View 2018 Mazda MX-5 Miata RF Insurance Rates 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: Apr 1, 2024

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Locating low-cost insurance for your Mazda MX-5 Miata RF can normally be a painful process, but you can follow a few tricks to save time. There is a right way and a wrong way to buy car insurance so you’re going to learn the quickest way to compare rates for a new or used Mazda and find the best price possible.

It’s a great practice to get comparison quotes as often as possible since insurance rates fluctuate regularly. If you had the lowest premium rates on MX-5 Miata RF coverage at your last renewal you may be paying too much now. Ignore everything you know about car insurance because you’re going to get a crash course in how to quote online to save on car insurance.

Auto insurance discounts help slash rates

Some companies don’t always list every discount available very well, so we researched some of the best known and also the more inconspicuous credits available to you.

  • Auto/Home Discount – If you combine your homeowners and auto policies and insure them both with the same insurance company you may save at least 10% off all policies.
  • Distant Student Discount – Children who live away from home to go to college without a vehicle on campus could get you a discount.
  • Active Military Service – Being deployed in the military could mean lower auto insurance rates.
  • Paperless Signup – Certain auto insurance companies may give you up to $50 shop insurance online.
  • Homeowners Discount – Just owning your own home can save you money because of the fact that having a home is proof of financial responsibility.
  • No Claims – Good drivers with no accidents can earn big discounts compared to frequent claim filers.
  • Government Employees – Simply working for the federal government can save as much as 8% on MX-5 Miata RF coverage but check with your company.

While discounts sound great, it’s important to understand that most of the big mark downs will not be given to the entire policy premium. Most only apply to the price of certain insurance coverages like comp or med pay. Despite the appearance that you could get a free auto insurance policy, companies don’t profit that way. But all discounts will cut the premium cost.

The best auto insurance companies and a selection of discounts can be found below.

  • State Farm includes discounts for safe vehicle, passive restraint, anti-theft, student away at school, and good driver.
  • GEICO discounts include driver training, anti-theft, emergency military deployment, good student, anti-lock brakes, and federal employee.
  • SAFECO offers discounts for safe driver, teen safe driver, anti-theft, homeowner, anti-lock brakes, and bundle discounts.
  • Farmers Insurance has savings for early shopping, youthful driver, distant student, homeowner, and business and professional.
  • AAA may offer discounts for anti-theft, multi-car, good driver, AAA membership discount, and multi-policy.
  • USAA may have discounts that include defensive driver, multi-policy, family discount, new vehicle, annual mileage, and safe driver.

If you need lower rates, check with every prospective company which discounts you qualify for. Some of the earlier mentioned discounts might not be available to policyholders in your area.

Which is the best insurance?

When it comes to choosing proper insurance coverage for your vehicles, there is no “best” method to buy coverage. Everyone’s situation is unique.

These are some specific questions can help discover whether your personal situation might need professional guidance.

  • Does my medical payments coverage pay my health insurance deductible?
  • Can my teen driver be rated on a liability-only vehicle?
  • Can I rent a car in Mexico?
  • Can I make deliveries for my home business?
  • Are my tools covered if they get stolen from my vehicle?
  • Am I covered when driving someone else’s vehicle?
  • Am I covered when renting a car or should I buy coverage from the car rental agency?
  • What are the best liability limits?
  • Is my camper covered by my car insurance policy?
  • Do I need more liability coverage?

If you don’t know the answers to these questions but a few of them apply, you may need to chat with an agent. If you don’t have a local agent, complete your zip code. It only takes a few minutes and can provide invaluable advice.

Do car insurance companies bend the truth?

Drivers can’t avoid all the ads that claim the cheapest premium rates from the likes of Progressive, GEICO, Allstate and State Farm. All the ads try to convey promises about savings if you move your policy.

How do they all charge lower premium rates?

Insurance companies have an ideal profile for a prospective insured that will generate a profit. For instance, this type of risk profile may be married and over the age of 30, owns their home, and has great credit. Any driver that matches those criteria receives the best premium rates as well as save a lot if they switch.

Potential customers who don’t measure up to the “perfect” profile will see more expensive rates which leads to the prospect going elsewhere. If you pay close attention to the ads, they say “customers that switch” not “all people who quote” save that kind of money. That is how companies can make those claims. Because of the profiling, you absolutely need to get insurance quotes as often as possible. It is just not possible to predict which insurance companies will give you the biggest savings.

Coverages available on your insurance policy

Knowing the specifics of a insurance policy aids in choosing the best coverages and proper limits and deductibles. Policy terminology can be confusing and reading a policy is terribly boring.

Uninsured and underinsured coverage

This protects you and your vehicle from other motorists when they do not carry enough liability coverage. This coverage pays for hospital bills for your injuries and also any damage incurred to your Mazda MX-5 Miata RF.

Since a lot of drivers only purchase the least amount of liability that is required, their liability coverage can quickly be exhausted. That’s why carrying high Uninsured/Underinsured Motorist coverage is important protection for you and your family.

Auto liability

This coverage provides protection from injuries or damage you cause to people or other property by causing an accident. It protects you against other people’s claims. Liability doesn’t cover damage sustained by your vehicle in an accident.

Split limit liability has three limits of coverage: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You commonly see values 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.

Liability insurance covers claims like medical services, medical expenses, emergency aid, pain and suffering and repair costs for stationary objects. The amount of liability coverage you purchase is your choice, but buy higher limits if possible.

Comprehensive coverages

This coverage pays for damage OTHER than collision with another vehicle or object. You first have to pay a deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive can pay for claims like hitting a deer, a tree branch falling on your vehicle, a broken windshield and theft. The maximum payout you’ll receive from a claim is the actual cash value, so if the vehicle’s value is low it’s not worth carrying full coverage.

Collision coverage

Collision insurance pays for damage to your MX-5 Miata RF resulting from colliding with an object or car. You will need to pay your deductible and the rest of the damage will be paid by collision coverage.

Collision coverage protects against claims such as hitting a mailbox, hitting a parking meter, crashing into a building and sideswiping another vehicle. Collision coverage makes up a good portion of your premium, so consider removing coverage from lower value vehicles. It’s also possible to bump up the deductible in order to get cheaper collision rates.

Coverage for medical payments

Coverage for medical payments and/or PIP provide coverage for expenses like funeral costs, X-ray expenses, doctor visits, nursing services and rehabilitation expenses. The coverages can be used to cover expenses not covered by your health insurance plan or if you lack health insurance entirely. They cover all vehicle occupants in addition to being hit by a car walking across the street. PIP coverage is only offered in select states and gives slightly broader coverage than med pay

A tidy conclusion

As you shop your coverage around, don’t be tempted to buy poor coverage just to save money. Too many times, consumers will sacrifice uninsured motorist or liability limits only to find out that it was a big error on their part. Your objective should be to purchase plenty of coverage for the lowest cost while still protecting your assets.

Consumers who switch companies do it for a variety of reasons including extreme rates for teen drivers, lack of trust in their agent, high prices and delays in paying claims. It doesn’t matter what your reason, choosing a new insurance company can be pretty painless.

Discount 2018 Mazda MX-5 Miata RF insurance can be sourced from both online companies in addition to local insurance agencies, so you need to shop insurance with both in order to have the best chance of saving money. A few companies may not offer the ability to get quotes online and these regional carriers only sell through independent insurance agencies.

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