2022 Mazda MX-5 Miata Car Insurance Quotes in 2024 – 10 Ways to Save

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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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Pricey insurance can eat up your budget and possibly require you to analyze your spending habits. Performing a rate comparison is a fast and free way to make ends meet.

Vehicle owners have multiple insurers to insure vehicles with, and even though it’s nice to have a choice, lots of choices makes it harder to adequately compare rates.

It’s a good idea to compare rates yearly because prices trend upward over time. If you had the best rate on MX-5 Miata insurance a year ago there is a good chance you can find better premium rates now. You can find a lot of wrong information about insurance out there, but in a few minutes you can learn some excellent ideas to find cheap insurance.

How to find cheap car insurance

Shopping for lower car insurance rates can take time and effort if you don’t utilize the fastest way to get free quotes. You could waste time talking to agents in your area, or you could use the internet to accomplish the same thing much quicker.

Many of the larger companies enroll in a system where insurance shoppers submit one quote, and each company can give them a price based on the submitted data. This eliminates the need for quotation requests for each company you want a rate for. To find out how much you’re overpaying now enter your zip code here.

The only downside to using this type of form is buyers cannot specifically choose which carriers you will receive quotes from. If you wish to select individual companies to receive pricing from, we put together a list of companies who write car insurance in your area. Click to enter zip code.

However you get your quotes, compare equivalent coverage limits and deductibles on every quote. If your comparisons have differing limits it’s impossible to determine the lowest rate for your Mazda MX-5 Miata. Having just a slight variation in limits could mean much higher rates. And when price shopping your coverage, comparing more rates from different companies helps improve the odds of finding better pricing. Some regional insurers cannot provide price estimates online, so you need to compare quotes on coverage from those companies, too.

Your insurance coverage should be tailored to you

When it comes to buying proper insurance coverage, there really is not a best way to insure your cars. Your needs are not the same as everyone else’s and a cookie cutter policy won’t apply. Here are some questions about coverages that can help discover whether or not you would benefit from professional advice.

  • Do I need rental car coverage?
  • Does my 2022 Mazda MX-5 Miata need full coverage?
  • How much liability insurance is required?
  • Am I covered if hit by an uninsured driver?
  • Does my 2022 Mazda MX-5 Miata qualify for pleasure use?
  • Do I have coverage for damage caused while driving under the influence?
  • Is upholstery damage covered by car insurance?

If it’s difficult to answer those questions, then you may want to think about talking to a licensed agent. If you want to speak to an agent in your area, complete your zip code.

Insurance coverage basics

Understanding the coverages of your insurance policy can be of help when determining appropriate coverage and the correct deductibles and limits. The coverage terms in a policy can be difficult to understand and coverage can change by endorsement. Below you’ll find the usual coverages offered by insurance companies.

Coverage for medical expenses – Medical payments and Personal Injury Protection insurance pay for expenses such as nursing services, chiropractic care, surgery, hospital visits and ambulance fees. They are often utilized in addition to your health insurance plan or if there is no health insurance coverage. Coverage applies to both the driver and occupants in addition to if you are hit as a while walking down the street. Personal injury protection coverage is not an option in every state but can be used in place of medical payments coverage

Comprehensive insurance – This pays to fix your vehicle from damage caused by mother nature, theft, vandalism and other events. You first must pay your deductible and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive can pay for claims such as vandalism, hail damage, fire damage and hitting a deer. The most your insurance company will pay is the market value of your vehicle, so if your deductible is as high as the vehicle’s value consider removing comprehensive coverage.

Coverage for uninsured or underinsured drivers – Uninsured or Underinsured Motorist coverage protects you and your vehicle’s occupants from other drivers when they either are underinsured or have no liability coverage at all. This coverage pays for injuries to you and your family and also any damage incurred to your 2022 Mazda MX-5 Miata.

Because many people only carry the minimum required liability limits, it doesn’t take a major accident to exceed their coverage limits. This is the reason having UM/UIM coverage is important protection for you and your family. Normally these limits are identical to your policy’s liability coverage.

Collision coverage – Collision coverage pays for damage to your MX-5 Miata resulting from a collision with another car or object. A deductible applies then your collision coverage will kick in.

Collision coverage protects against claims like rolling your car, damaging your car on a curb and scraping a guard rail. Collision is rather expensive coverage, so consider removing coverage from lower value vehicles. You can also raise the deductible to get cheaper collision coverage.

Liability coverages – This provides protection from damage that occurs to a person or their property in an accident. Split limit liability has three limits of coverage: bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You might see values of 50/100/50 that means you have a limit of $50,000 per injured person, a total of $100,000 of bodily injury coverage per accident, and a limit of $50,000 paid for damaged property. Some companies may use one limit called combined single limit (CSL) which combines the three limits into one amount with no separate limits for injury or property damage.

Liability coverage pays for claims such as pain and suffering, structural damage, legal defense fees, repair bills for other people’s vehicles and bail bonds. How much liability coverage do you need? That is a decision to put some thought into, but consider buying higher limits if possible.

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