Mazda MX-5 Miata RF Insurance Rates

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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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You have many choices when buying insurance for your Mazda MX-5 Miata RF. You can get prices from an agent or shop online to compare rates from many different car insurance companies. Shopping for car insurance through online rate quotes is easy, in addition you can save money.

Consumers not familiar with comparing rates may think buying cheap Mazda MX-5 Miata RF insurance is going to be difficult. Finding lower Mazda MX-5 Miata RF insurance cost can be surprisingly simple. You just have to spend a little time getting comparison quotes from different insurance companies. This is very easy and can be done by comparing rates here.

Criteria which help determine Mazda MX-5 Miata RF insurance quotes

Car insurance premiums for a Mazda MX-5 Miata RF will vary greatly based upon several criteria. A few of these criteria are:

  • The performance level of your MX-5 Miata RF
  • Your accident history
  • Whether you insure your home with the same company
  • Use of your vehicle
  • Your age
  • Whether you are married
  • Optional coverages like vehicle replacement
  • Your claim history
  • Maintaining coverage lowers rates
  • Owning a home can lower rates

An additional factor that will help determine Mazda MX-5 Miata RF insurance rates is the year of the vehicle. Newer models have a higher replacement value than older models so repair costs are higher which will push premiums up. But newer models may have safety features including dual-stage airbags, all-wheel drive, blind-spot warning system, and tire pressure monitors so those may lower rates.

Auto liability - Liability insurance protects you from injuries or damage you cause to other people or property by causing an accident. Liability insurance covers claims such as funeral expenses, loss of income, and emergency aid. Liability insurance is relatively cheap so you should buy as much as you can afford.

Collision coverage - Collision coverage pays for damage to your MX-5 Miata RF caused by collision with another vehicle or an object, but not an animal. You have to pay a deductible and then insurance will cover the remainder. Mazda MX-5 Miata RF collision insurance is rather expensive coverage, so consider dropping it from older vehicles. You can also raise the deductible to save money on collision insurance.

Comprehensive auto coverage - Comprehensive insurance pays for damage caused by mother nature, theft, vandalism and other events. You first have to pay a deductible and then insurance will cover the rest of the damage. The maximum amount a car insurance company will pay at claim time is the actual cash value, so if it's not worth much more than your deductible consider dropping full coverage.

Uninsured/Underinsured Motorist coverage - This coverage protects you and your vehicle's occupants when the "other guys" do not carry enough liability coverage. Due to the fact that many drivers only carry the minimum required liability limits, it only takes a small accident to exceed their coverage. For this reason, having high UM/UIM coverages is important protection for you and your family.

Medical payments and PIP coverage - Med pay and PIP coverage provide coverage for bills such as ambulance fees, surgery, and doctor visits. They are often used to fill the gap from your health insurance plan or if there is no health insurance coverage. PIP is not available in all states and gives slightly broader coverage than med pay.

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