View 2021 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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Consumers have many options when looking for the lowest priced Mazda MX-5 Miata RF insurance. You can either spend your time contacting agents getting price quotes or utilize the internet to get rate quotes. There is a better way to compare insurance rates so you’re going to learn the quickest way to get price quotes for a Mazda and obtain the lowest possible price from local insurance agents and online providers.

Finding affordable coverage is not that difficult. If you are paying for car insurance now, you should be able to save some money using this information. Drivers only need to know the most efficient way to get comparison quotes online.

Choices you make can impact your insurance prices

Multiple criteria are part of the equation when you quote your car insurance policy. Some are pretty understandable such as traffic violations, but other factors are not as apparent like your continuous coverage or your financial responsibility. One of the most helpful ways to save on car insurance is to to have a grasp of the different types of things that go into determining the level of your policy premiums. When consumers understand what controls the rates you pay, this allows you to make educated decisions that could result in big savings.

The following are some of the most rate-impacting factors utilized by car insurance companies to help set prices.

  • More traffic means higher claims – Being located in areas with lower population has definite advantages when insuring your vehicles. Fewer drivers and short commutes translates into fewer accidents in addition to fewer liability claims. City drivers have more traffic problems and longer commutes to work. Longer commute distances means higher likelihood of an accident.
  • Your stress level may be raising your prices – Did you know your car insurance rates can be affected by your occupation? Careers such as real estate brokers, air traffic controllers and medical professionals tend to pay higher rates than the rest of us in part from stressful work requirements and lots of time spent at work. Other careers such as scientists, historians and retirees pay lower than average rates for MX-5 Miata RF coverage.
  • Better car insurance rates on safer vehicles – Cars with five star safety ratings get lower rates. Highly rated vehicles reduce injuries and better occupant protection translates into fewer and smaller insurance claims and cheaper rates on your policy. If your Mazda MX-5 Miata RF has at least an “acceptable” rating on the Insurance Institute for Highway Safety website you may qualify for a discount.
  • Avoid tickets and save – A bad driving record impacts your car insurance rates tremendously. Drivers with clean records get better rates than their less careful counterparts. Only having one speeding ticket or other violation can increase rates to the point where it’s not affordable. Drivers who have received serious violations like reckless driving or DUI may find they need to submit a SR-22 form with the DMV in their state in order to prevent a license revocation.

Discounts to earn lower-cost auto insurance rates

Some providers don’t necessarily list every discount they offer very clearly, so the following list contains some of the more common as well as the least known savings tricks you should be using when you buy insurance online.

  • Paperless Signup – Many insurance companies give back up to $50 for completing your application on the web.
  • Include Life Insurance and Save – Some auto insurance companies give a small discount if you purchase a life policy as well.
  • Save with More Vehicles Insured – Purchasing coverage when you have more than one vehicle on the same auto insurance policy could earn a price break for each car.
  • Early Switch Discount – A few insurance companies give discounts for switching to them before your current expiration date. It’s a savings of about 10%.
  • New Car Discount – Buying a new car model can get you a discount because new vehicles keep occupants safer.
  • Telematics Data – Drivers who elect to allow their insurance company to track driving habits through the use of a telematics system like In-Drive from State Farm and Progressive’s Snapshot could see a rate decrease if their driving habits are good.
  • Driver Safety – Taking part in a course in safe driver may get you a small discount and also improve your driving technique.
  • Full Payment Discount – If you pay your bill all at once rather than spreading payments over time you can actually save on your bill.
  • Club Memberships – Belonging to specific professional or occupational memberships or organizations could qualify you for a break when shopping for auto insurance.

Don’t be surprised that most of the big mark downs will not be given to your bottom line cost. Most only cut individual premiums such as medical payments or collision. Even though the math looks like all the discounts add up to a free policy, you’re out of luck.

A few companies that may offer policyholders some of the above discounts include:

  • 21st Century
  • State Farm
  • AAA
  • Liberty Mutual
  • Progressive

When getting free insurance quotes, it’s a good idea to every prospective company which discounts you may be entitled to. Some discounts may not be available in your state. To view auto insurance companies who offer discounts, enter your zip code here.

Big names are not always cheapest

Consumers can’t ignore all the ads that promise big savings by Progressive, Allstate and GEICO. They all seem to make the promise about saving some big amount if you change your policy.

It sounds good, but how can they all offer drivers better rates? It’s all in the words they use.

Different companies give the cheapest rates for the type of insured that is profitable for them. An example of a profitable risk profile could possibly be over age 30, has other policies, and has a short commute. Anybody that fits those parameters may get the lowest prices and as a result will probably cut their rates substantially.

Potential insureds who may not quite match this stringent profile must pay higher rates and the customer buying from a different company. If you pay close attention to the ads, they say “customers who switch” but not “all drivers who get quotes” save that much when switching. This is how insurance companies can confidently make claims that they all have the best premium rates. This really illustrates why you really should get as many free insurance quotes as possible. It’s just not possible to know the company that will give you the biggest savings.

Tailor your insurance coverage coverage to you

When it comes to buying the best insurance coverage coverage for your vehicles, there really is no single plan that fits everyone. Everyone’s situation is a little different.

These are some specific questions might help in determining whether your personal situation might need professional guidance.

  • What is the difference between comprehensive and collision coverage?
  • Do I need added coverage for expensive stereo equipment?
  • Can I afford to buy a different vehicle if my 2021 Mazda MX-5 Miata RF is totaled?
  • Is my Mazda MX-5 Miata RF covered if I use it for business?
  • How high should my uninsured/underinsured coverage be in my state?
  • Should I carry comprehensive and collision coverage?
  • Does medical payments coverage apply to all occupants?

If you’re not sure about those questions, you may need to chat with an insurance agent. To find lower rates from a local agent, simply complete your zip code. It is quick, free and can provide invaluable advice.

Specific coverages for a 2021 Mazda MX-5 Miata RF

Understanding the coverages of a insurance policy can help you determine the best coverages at the best deductibles and correct limits. The terms used in a policy can be difficult to understand and even agents have difficulty translating policy wording.

Medical costs insurance – Med pay and PIP coverage pay for short-term medical expenses for doctor visits, nursing services, pain medications and rehabilitation expenses. The coverages can be used in conjunction with a health insurance policy or if you do not have health coverage. It covers all vehicle occupants and will also cover being hit by a car walking across the street. Personal injury protection coverage is only offered in select states and may carry a deductible

Collision – This covers damage to your MX-5 Miata RF resulting from a collision with another vehicle or an object, but not an animal. You have to pay a deductible and then insurance will cover the remainder.

Collision can pay for things like hitting a parking meter, sustaining damage from a pot hole, backing into a parked car, rolling your car and scraping a guard rail. This coverage can be expensive, so consider removing coverage from lower value vehicles. You can also raise the deductible to get cheaper collision coverage.

Comprehensive or Other Than Collision – Comprehensive insurance coverage will pay to fix damage OTHER than collision with another vehicle or object. You first have to pay a deductible and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive insurance covers claims like rock chips in glass, falling objects and damage from a tornado or hurricane. The maximum payout a insurance company will pay at claim time is the ACV or actual cash value, so if your deductible is as high as the vehicle’s value it’s not worth carrying full coverage.

Auto liability insurance – Liability coverage protects you from damage or injury you incur to people or other property that is your fault. It protects YOU from legal claims by others. It does not cover damage to your own property or vehicle.

Liability coverage has three limits: per person bodily injury, per accident bodily injury, and a property damage limit. You might see policy limits of 100/300/100 that translate to a $100,000 limit per person for injuries, a limit of $300,000 in injury protection per accident, and $100,000 of coverage for damaged property.

Liability insurance covers things such as medical services, bail bonds, emergency aid, structural damage and legal defense fees. How much coverage you buy is your choice, but buy as high a limit as you can afford.

UM/UIM Coverage – Uninsured or Underinsured Motorist coverage protects you and your vehicle from other motorists when they either have no liability insurance or not enough. Covered losses include medical payments for you and your occupants as well as your vehicle’s damage.

Since many drivers carry very low liability coverage limits, it only takes a small accident to exceed their coverage. That’s why carrying high Uninsured/Underinsured Motorist coverage should not be overlooked.

In Summary

As you prepare to switch companies, it’s a bad idea to buy lower coverage limits just to save a few bucks. In many cases, drivers have reduced collision coverage to discover at claim time that the small savings ended up costing them much more. The proper strategy is to find the BEST coverage at the best possible price and still be able to protect your assets.

More affordable insurance coverage can be purchased both online and from local insurance agents, so you need to shop insurance with both in order to have the best chance of saving money. There are still a few companies who do not offer online rate quotes and many times these smaller companies sell through independent agents.

We’ve covered a lot of ways to get a better price on 2021 Mazda MX-5 Miata RF insurance. The key concept to understand is the more rate quotes you have, the more likely it is that you will get a better rate. You may be surprised to find that the lowest prices come from an unexpected company.

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