1997 Mazda MX-5 Miata Insurance Quotes

Want better insurance rates for your Mazda MX-5 Miata? Purchasing the cheapest insurance on the internet can be difficult for consumers new to comparison shopping online. With such a large number of choices, how can you have a chance to compare the different rates to find the lowest rates?

You should make it a habit to shop coverage around quite often due to the fact that insurance rates tend to go up over time. Even if you think you had the lowest price for MX-5 Miata insurance six months ago you can probably find a better price now. Ignore everything you know about insurance because you’re about to learn the fastest and easiest way to reduce your cost while improving coverage.

Locating the best coverage can be fairly easy. Just about every driver who shops for insurance coverage stands a good chance to be able to reduce their rates. Nevertheless, drivers must comprehend the methods companies use to sell insurance online.

How to Get Insurance Comparison Quotes

There are several ways to compare rate quotes and find the best price. The easiest way by far to find competitive 1997 Mazda MX-5 Miata insurance rates is simply to get online rate quotes. This can be done in just a few minutes using one of these methods.

1. The easiest and least time consuming way consumers can analyze rates is to use a rate comparison form (click to open form in new window). This method keeps you from doing separate quotes for every insurance company. One simple form gets you price quotes from multiple companies. It’s the fastest way to compare.
2. A harder way to obtain and compare quotes online consists of visiting the website of each company to request a price quote. For sake of this example, we’ll assume you want to compare Geico, 21st Century and Progressive. To get each rate you have to go to every website and enter your information, and that’s why the first method is more popular. To view a list of companies in your area, click here.
3. The hardest method of comparing rate quotes is driving around to insurance agents’ offices. The ability to buy insurance online can eliminate the need for a local agent unless you want the professional guidance that only a license agent can provide. You can, however, price shop online and get advice from an agent in your area and we’ll touch on that later.

It’s up to you how you get prices quotes, just ensure you are comparing apples-to-apples coverage information with every price quote. If each company quotes differing limits then you won’t be able to find the best deal for your Mazda MX-5 Miata. Quoting even small variations in limits can make a big difference in price. And when price shopping your coverage, obtaining a wide range of quotes will improve the odds of getting the best rates.

Discounts are basically free money

The price of auto insurance can be rather high, but you can get discounts to cut the cost considerably. Certain discounts will be applied when you quote, but lesser-known reductions have to be requested specifically prior to getting the savings.

• E-sign – A few companies may give you up to $50 for buying your policy digitally online.
• Discount for New Cars – Insuring a new car is cheaper because new vehicles have to meet stringent safety requirements.
• Seat Belts Save more than Lives – Buckling up and requiring all passengers to buckle their seat belts could save 15% off your PIP or medical payments premium.
• Multi-policy Discount – If you insure your home and vehicles with the same company you will save 10% to 20% off each policy.
• Student in College – Kids in college who attend school more than 100 miles from home and don’t have a car can receive lower rates.
• Accident Free – Good drivers with no accidents can earn big discounts compared to bad drivers.

Keep in mind that some of the credits will not apply to all coverage premiums. Some only apply to individual premiums such as medical payments or collision. Just because you may think it’s possible to get free car insurance, companies wouldn’t make money that way. But any discount will reduce your premiums.

For a list of insurers who offer insurance discounts, click here.

Which insurance is the “right” coverage?

When it comes to choosing proper insurance coverage for your vehicles, there is no perfect coverage plan. Everyone’s needs are different.

These are some specific questions may help highlight if your insurance needs would benefit from professional advice.

• Should I get collision insurance on every vehicle?
• Does my 1997 Mazda MX-5 Miata qualify for pleasure use?
• Do I have coverage when making deliveries for my home business?
• Does insurance cover tools stolen from my truck?
• Which is better, split liability limits or combined limits?
• When would I need rental car insurance?
• Is a fancy paint job covered?

If you can’t answer these questions but one or more may apply to you, then you may want to think about talking to a licensed insurance agent. To find an agent in your area, fill out this quick form.

Insurance coverage breakdown

Having a good grasp of insurance helps when choosing the right coverages for your vehicles. The coverage terms in a policy can be difficult to understand and even agents have difficulty translating policy wording.

Coverage for medical expenses

Med pay and PIP coverage pay for short-term medical expenses for things like pain medications, dental work and surgery. They can be used to cover expenses not covered by your health insurance policy or if you lack health insurance entirely. Medical payments and PIP cover not only the driver but also the vehicle occupants and also covers if you are hit as a while walking down the street. Personal Injury Protection is not available in all states and may carry a deductible

Collision insurance

Collision insurance pays for damage to your MX-5 Miata from colliding with another car or object. You have to pay a deductible and then insurance will cover the remainder.

Collision coverage protects against claims such as driving through your garage door, hitting a mailbox, crashing into a ditch and damaging your car on a curb. Collision coverage makes up a good portion of your premium, so consider dropping it from vehicles that are 8 years or older. Drivers also have the option to raise the deductible to bring the cost down.

Auto liability

Liability coverage protects you from damages or injuries you inflict on other’s property or people that is your fault. This insurance protects YOU against other people’s claims. Liability doesn’t cover your own vehicle damage or injuries.

Coverage consists of three different limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. Your policy might show policy limits of 25/50/25 which stand for a limit of $25,000 per injured person, $50,000 for the entire accident, and a limit of $25,000 paid for damaged property. Another option is one limit called combined single limit (CSL) which limits claims to one amount and claims can be made without the split limit restrictions.

Liability coverage protects against things such as medical services, loss of income, structural damage, attorney fees and medical expenses. How much coverage you buy is a personal decision, but you should buy as large an amount as possible.

Comprehensive insurance

This coverage will pay to fix damage caused by mother nature, theft, vandalism and other events. A deductible will apply then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage protects against claims such as hail damage, a broken windshield, hitting a bird and rock chips in glass. The maximum amount a insurance company will pay at claim time is the market value of your vehicle, so if the vehicle is not worth much it’s probably time to drop comprehensive insurance.

Coverage for uninsured or underinsured drivers

This provides protection from other motorists when they either are underinsured or have no liability coverage at all. Covered claims include hospital bills for your injuries as well as your vehicle’s damage.

Because many people carry very low liability coverage limits, their limits can quickly be used up. This is the reason having UM/UIM coverage is very important. Frequently these limits are identical to your policy’s liability coverage.