Lower Your 2014 Mazda MX-5 Miata Insurance Quotes in 2024

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Jeffrey Johnson

Insurance Lawyer

Jeffrey Johnson is a legal writer with a focus on personal injury. He has worked on personal injury and sovereign immunity litigation in addition to experience in family, estate, and criminal law. He earned a J.D. from the University of Baltimore and has worked in legal offices and non-profits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman Univer...

Insurance Lawyer

UPDATED: May 9, 2024

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Looking for cheaper insurance coverage rates for your Mazda MX-5 Miata? If price shopping car insurance quotes online is new to you, chances are good that you are baffled by the vast number of online companies all promising to save you money.

You should make it a habit to get comparison quotes once or twice a year since prices fluctuate regularly. Even if you got the best deal on MX-5 Miata coverage two years ago a different company probably has better rate quotes today. There is too much inaccurate information about insurance coverage online, but you can learn some of the best techniques to reduce your insurance coverage bill.

The purpose of this post is to tell you the most effective way to quote insurance and some tricks to saving. If you are paying for car insurance now, you stand a good chance to be able to cut costs considerably using these techniques. Although drivers do need to understand how big insurance companies sell insurance online and use this information to your advantage.

Are you qualifying for every discount?

Companies that sell car insurance don’t always advertise every discount very clearly, so below is a list a few of the more well known and also the lesser-known credits that you can use to lower your rates. If you check and find you aren’t receiving every discount you deserve, you may be paying too high a price.

  • Include Life Insurance and Save – Some insurance carriers give lower prices if you buy some life insurance too.
  • Discounts for Government Workers – Federal government employees may reduce rates when you quote car insurance on MX-5 Miata coverage with certain companies.
  • First Accident Forgiveness – Not a discount per se, but certain companies will let one accident slide before hitting you with a surcharge if your claims history is clear before the accident.
  • Cautious Driver Discount – Safe drivers can get discounts for up to 45% lower rates on MX-5 Miata coverage than drivers with accident claims.
  • Student in College – College-age children who attend college more than 100 miles from home without a vehicle on campus could qualify for this discount.
  • Discount for Switching Early – Some companies provide a discount for switching policies before your current expiration date. It could save around 10% when you buy car insurance online.
  • Theft Prevention System – Cars, trucks, and SUVs that have factory anti-theft systems prevent vehicle theft and qualify for as much as a 10% discount.
  • Passive Restraint Discount – Cars that have air bags and/or automatic seat belt systems can receive discounts of 20 to 30 percent.
  • Pay Upfront and Save – By paying your entire bill at once rather than spreading payments over time you can avoid monthly service charges.
  • Home Ownership Discount – Owning a house may earn you a small savings because owning a home means you have a higher level of financial diligence.

Discounts save money, but please remember that some credits don’t apply to the whole policy. Most only reduce individual premiums such as comp or med pay. So when the math indicates it’s possible to get free car insurance, companies wouldn’t make money that way.

A list of companies and some of the premium reductions they offer include:

  • Progressive may offer discounts for online quote discount, multi-policy, good student, continuous coverage, online signing, multi-vehicle, and homeowner.
  • AAA includes discounts for education and occupation, multi-policy, anti-theft, AAA membership discount, and good driver.
  • Farmers Insurance policyholders can earn discounts including homeowner, distant student, good student, mature driver, electronic funds transfer, business and professional, and early shopping.
  • GEICO has discounts for air bags, anti-lock brakes, good student, military active duty, emergency military deployment, driver training, and five-year accident-free.
  • Esurance offers premium reductions for multi-car, paid-in-full, Switch & Save, multi-policy, and online quote.
  • SAFECO offers discounts for accident prevention training, safe driver, homeowner, bundle discounts, and drive less.
  • State Farm has savings for driver’s education, multiple autos, Steer Clear safe driver discount, defensive driving training, student away at school, Drive Safe & Save, and anti-theft.

If you are trying to find cheap car insurance quotes, ask all companies you are considering how many discounts you can get. Savings may not be offered in your area. To choose insurers offering insurance discounts, enter your zip code here.

How to compare free insurance coverage quotes

To find cheaper car insurance quotes, there are several ways to get quotes from different companies. The best way to find cheaper Mazda MX-5 Miata rates is to jump online and get quotes. It is quite easy and can be accomplished in a couple of different ways.

The most efficient way to get quotes for comparison is a comparison rater form. This form prevents you from having to do a different quote for every company. One quote request will return quotes from all major companies. It’s definitely the quickest method.

A different way to get quotes online is to manually visit the website for every company you want to compare and repeat the quote process again and again. For examples sake, we’ll pretend you want to view quotes from Nationwide, GEICO and GMAC. To do that, you would have to take the time to go to each site to enter your coverage information, which is why first method is recommended.

Whichever way you use, ensure you’re using the same deductibles and coverage limits for each comparison quote. If you use unequal deductibles or liability limits you can’t possibly decipher which rate is best. Just slight variations in insurance coverages may result in a large different in cost. Keep in mind that comparing a large number of companies helps you find the best price. Some smaller insurers to not give online quotes, so it’s important to also get prices from the smaller companies as well.

When in doubt talk to an agent

When choosing adequate coverage, there is no one size fits all plan. Every insured’s situation is different.

For instance, these questions could help you determine if your situation may require specific advice.

  • Is rental equipment covered for theft or damage?
  • Am I covered if I crash into my own garage door?
  • I have health insurance so do I need medical payments coverage?
  • What if I owe more than I can insure my car for?
  • Are my friends covered when driving my car?
  • Is a blown tire covered by insurance?
  • Does my policy cover me when driving someone else’s vehicle?
  • What is an SR-22 filing?

If you’re not sure about those questions but you think they might apply to your situation, then you may want to think about talking to an insurance agent. If you don’t have a local agent, take a second and enter your zip code.

Auto insurance specifics

Knowing the specifics of your policy aids in choosing which coverages you need and proper limits and deductibles. The terms used in a policy can be difficult to understand and even agents have difficulty translating policy wording.

Auto collision coverage

Collision coverage covers damage to your MX-5 Miata resulting from colliding with a stationary object or other vehicle. You will need to pay your deductible and the rest of the damage will be paid by collision coverage.

Collision can pay for things such as backing into a parked car, damaging your car on a curb, colliding with another moving vehicle and colliding with a tree. Collision coverage makes up a good portion of your premium, so consider removing coverage from older vehicles. Drivers also have the option to bump up the deductible to save money on collision insurance.

Medical payments and PIP coverage

Med pay and PIP coverage kick in for short-term medical expenses for EMT expenses, surgery and nursing services. They can be used to fill the gap from your health insurance policy or if you lack health insurance entirely. It covers all vehicle occupants and also covers getting struck while a pedestrian. PIP coverage is not an option in every state but it provides additional coverages not offered by medical payments coverage

UM/UIM (Uninsured/Underinsured Motorist) coverage

Uninsured or Underinsured Motorist coverage protects you and your vehicle from other motorists when they are uninsured or don’t have enough coverage. Covered claims include hospital bills for your injuries and also any damage incurred to your Mazda MX-5 Miata.

Due to the fact that many drivers only purchase the least amount of liability that is required, their liability coverage can quickly be exhausted. This is the reason having UM/UIM coverage should not be overlooked. Normally your uninsured/underinsured motorist coverages are identical to your policy’s liability coverage.

Auto liability insurance

Liability insurance will cover injuries or damage you cause to other’s property or people that is your fault. It protects YOU against claims from other people. It does not cover damage to your own property or vehicle.

Coverage consists of three different limits, per person bodily injury, per accident bodily injury, and a property damage limit. Your policy might show liability limits of 25/50/25 which means a $25,000 limit per person for injuries, a limit of $50,000 in injury protection per accident, and property damage coverage for $25,000. Another option is a combined limit which provides one coverage limit without having the split limit caps.

Liability insurance covers claims such as emergency aid, court costs and medical services. The amount of liability coverage you purchase is your choice, but consider buying as much as you can afford.

Comprehensive auto coverage

This coverage pays to fix your vehicle from damage caused by mother nature, theft, vandalism and other events. You first have to pay a deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage pays for things such as hitting a deer, a broken windshield, fire damage, theft and falling objects. The maximum amount you can receive from a comprehensive claim is the cash value of the vehicle, so if the vehicle is not worth much consider dropping full coverage.

Keep this in mind

You just read many ideas to compare 2014 Mazda MX-5 Miata insurance rates online. The most important thing to understand is the more you quote car insurance, the more likely it is that you will get a better rate. Drivers may discover the biggest savings come from some of the lesser-known companies.

People change insurance companies for any number of reasons including policy non-renewal, denial of a claim, lack of trust in their agent or delays in responding to claim requests. It doesn’t matter why you want to switch finding a great new company can be easier than you think.

As you shop your coverage around, don’t be tempted to buy poor coverage just to save money. There are too many instances where an insured dropped collision coverage to discover at claim time that it was a big mistake. Your goal should be to buy a smart amount of coverage at a price you can afford but still have enough coverage for asset protection.

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