Mazda MX-5 Miata Insurance Quotes in Los Angeles

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Insurance quote for Mazda MX-5 Miata in Los AngelesWant to learn how to buy lower-priced Mazda MX-5 Miata insurance in Los Angeles? Finding low cost Mazda MX-5 Miata insurance in Los Angeles may be frustrating for drivers who have little experience quoting and comparing prices online. There are so many different companies and agents to choose from that it can easily become hard work to lower your prices on Mazda MX-5 Miata insurance.

It's amazing but a large majority of drivers kept their coverage with the same insurance company for a minimum of four years, and nearly the majority have never compared rates with other companies. U.S. consumers can save $860 each year by just comparing quotes, but most tend to underestimate how much money they would save if they replace their high priced policy.

Locating the most cost-effective insurance policy in Los Angeles is not that difficult as long as you know where to start. If you already have coverage, you will be able to get lower rates using the tips covered below. Although California consumers need to learn how companies determine what you pay because rates are impacted by many factors.

Discounts mean cheaper rates for Mazda MX-5 Miata insurance in Los Angeles

Car insurance is expensive, but you may be missing some discounts that can drop the cost substantially. Many discounts should be triggered at quote time, but a few need to be specially asked for before you get the savings.Discount car insurance

  • Driver Education Discount - Make teen driver coverage more affordable by requiring them to enroll in driver's education as it will make them better drivers and lower rates.
  • Drive Safe and Save - Drivers who avoid accidents can get discounts for up to 45% lower rates than drivers with accidents.
  • Professional Organizations - Being in a professional or civic organization can get you a small discount on your next car insurance statement.
  • Multiple Vehicles - Purchasing coverage when you have several vehicles with the same car insurance company qualifies for this discount.
  • Seat Belt Usage - Buckling up and requiring all passengers to buckle up can save up to 15% off the PIP or medical payment premium.

Discounts lower rates, but some of the credits will not apply to the overall cost of the policy. Some only apply to specific coverage prices like medical payments or collision. Despite the fact that it seems like you could get a free car insurance policy, insurance companies wouldn't stay in business. Any amount of discount should definitely cut your policy premiums.

The information below illustrates the comparison of Mazda MX-5 Miata car insurance rates with and without discounts applied to the policy rates. The rates are based on a female driver, no claims or driving violations, California state minimum liability limits, full physical damage coverage, and $250 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with claim-free, multi-car, multi-policy, safe-driver, homeowner, and marriage discounts applied.

Some of the larger companies that may have many of the previously listed discounts include:

Before purchasing a policy, check with all companies you are considering how you can save money. All car insurance discounts may not be offered in every state. To see car insurance companies who offer discounts in Los Angeles, follow this link.

To get cheaper Los Angeles auto insurance quotes, there a variety of ways to compare rate quotes from local Los Angeles insurance companies. The quickest method to find the lowest Mazda MX-5 Miata rates is to perform an online rate comparison.

When quoting insurance, remember that comparing more prices will enable you to find lower pricing. Not every company does online price quotes, so it's important to also get prices from the smaller companies as well.

The companies in the list below offer comparison quotes in Los Angeles, CA. If multiple companies are listed, we recommend you get rates from several of them to get the best price comparison.

Mazda MX-5 Miata insurance charts and tables

The data table shown next highlights a range of insurance coverage prices for Mazda MX-5 Miata models. Being aware of how insurance policy premiums are formulated can aid in making smart choices when comparing insurance rates.

Mazda MX-5 Miata Insurance Rates in Los Angeles, CA
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
MX-5 Miata Sport 2-Dr Convertible $242 $382 $376 $22 $112 $1,134 $95
MX-5 Miata Touring 2-Dr Convertible $278 $464 $376 $22 $112 $1,252 $104
MX-5 Miata Grand Touring 2-Dr Convertible $278 $464 $376 $22 $112 $1,252 $104
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Price data assumes married male driver age 30, no speeding tickets, no at-fault accidents, $500 deductibles, and California minimum liability limits. Discounts applied include homeowner, multi-policy, claim-free, safe-driver, and multi-vehicle. Rate information does not factor in garaging location in Los Angeles which can change premiums greatly.

An analysis of deductible level

A question often asked by Los Angeles drivers is the level to set your comp and collision deductibles. The data tables below can help illustrate how much more rates are between low and high coverage deductibles. The first data set uses a $250 deductible for comprehensive and collision coverage and the second pricing table uses a $500 deductible.

Mazda MX-5 Miata insurance rates with $250 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
MX-5 Miata Sport 2-Dr Convertible $298 $472 $376 $22 $112 $1,305 $109
MX-5 Miata Touring 2-Dr Convertible $342 $576 $376 $22 $112 $1,453 $121
MX-5 Miata Grand Touring 2-Dr Convertible $342 $576 $376 $22 $112 $1,453 $121
Get Your Own Customized Quote Go
Mazda MX-5 Miata insurance rates with $500 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
MX-5 Miata Sport 2-Dr Convertible $242 $382 $376 $22 $112 $1,134 $95
MX-5 Miata Touring 2-Dr Convertible $278 $464 $376 $22 $112 $1,252 $104
MX-5 Miata Grand Touring 2-Dr Convertible $278 $464 $376 $22 $112 $1,252 $104
Get Your Own Customized Quote Go

Prices based on married male driver age 30, no speeding tickets, no at-fault accidents, and California minimum liability limits. Discounts applied include multi-vehicle, claim-free, safe-driver, homeowner, and multi-policy. Premium amounts do not factor in garaging location in Los Angeles which can raise or lower rates noticeably.

Based on the above data, using a $250 deductible costs an average of $16 more each month or $192 every year than selecting the higher $500 deductible. Because you would pay $250 more if you file a claim with a $500 deductible as compared to a $250 deductible, if you tend to average more than 16 months between claims, you would more than likely save some money if you choose the higher deductible.

The diagram below shows how different deductible levels and can raise or lower Mazda MX-5 Miata insurance premiums for different insured age categories. The data is based on a married male driver, full coverage, and no additional discounts are factored in.

Mazda MX-5 Miata insurance costs by age and gender

The example below illustrates the difference between Mazda MX-5 Miata insurance premiums for male and female drivers. The premium estimates are based on a clean driving record, no at-fault accidents, full physical damage coverage, $1,000 deductibles, single status, and no discounts are applied to the premium.

Compare prices but work with a neighborhood Los Angeles auto insurance agent

A small number of people still like to talk to an insurance agent and that is OK! One of the best bonuses of comparing rate quotes online is that you can find lower rates and still have a local agent.

Insurance agents in Los AngelesFor easy comparison, once you complete this simple form, your insurance data is transmitted to local insurance agents in Los Angeles who can give free rate quotes for your car insurance coverage. You won't even need to leave your house as quotes are delivered directly to you. Get lower rates without a big time investment. If you wish to get a price quote for a specific company, you can always search and find their rate quote page and complete a quote there.

Deciding on an insurer requires you to look at more than just the premium amount. These are some questions your agent should answer.

  • How long has the business existed?
  • Which members of your family are coverage by the policy?
  • Does the company have a local claim office in Los Angeles?
  • Do they specialize in personal lines auto insurance in Los Angeles?
  • Do they feel the quoted coverages are adequate?
  • Will they take your side in the event of a claim?
  • Does the agency support the community they serve?
  • Do they have cheaper tiers of coverage?

Different types of Los Angeles auto insurance agents

If you are wanting to purchase car insurance from a reputable agency, it's important to understand the different types of agencies and how they operate. Car insurance policy providers can be classified as either independent agents or exclusive agents depending on their employer.

Exclusive Agencies

Agents of this type can only write with one company like Farmers Insurance, Allstate, or State Farm. They are unable to place coverage with different providers so they really need to provide good service. Exclusive agencies receive a lot of sales training on what they offer which helps them sell on service rather than price. Consumers often use the same exclusive agent partially due to the brand legacy and the convenience of having a single billing for all their coverages.

Listed below are exclusive agents in Los Angeles who can help you get rate quotes.

More Los Angeles agents

Independent Agents (or Brokers)

Independent agencies are not restricted to one company so they have the ability to put coverage through many companies and find you cheaper rates. If they quote lower rates, they simply move your policy to a different company and you can keep the same agent. If you need lower rates, you definitely need to contact at a minimum one independent agency to have the most options to choose from. A lot of them also have access to companies that do not advertise much that many times have cheaper rates.

The following are Los Angeles independent agencies that are able to give price quotes.

More Los Angeles agents

Auto insurance coverages

Having a good grasp of a insurance policy can help you determine which coverages you need and proper limits and deductibles. The coverage terms in a policy can be impossible to understand and reading a policy is terribly boring.

Liability insurance

This coverage provides protection from injuries or damage you cause to other people or property in an accident. This coverage protects you against claims from other people. It does not cover damage sustained by your vehicle in an accident.

Split limit liability has three limits of coverage: per person bodily injury, per accident bodily injury, and a property damage limit. You might see policy limits of 15/30/5 that means you have $15,000 in coverage for each person's injuries, a limit of $30,000 in injury protection per accident, and a total limit of $5,000 for damage to vehicles and property.

Liability can pay for things like emergency aid, funeral expenses, pain and suffering and structural damage. How much coverage you buy is up to you, but you should buy as high a limit as you can afford. California state minimum liability requirements are 15/30/5 but it's recommended drivers buy more liability than the minimum.

The chart below demonstrates why buying the state minimum limits may not be high enough to cover claims.

Medical costs insurance

Medical payments and Personal Injury Protection insurance pay for bills for things like pain medications, rehabilitation expenses and chiropractic care. They can be used in conjunction with a health insurance plan or if you do not have health coverage. It covers you and your occupants in addition to if you are hit as a while walking down the street. Personal Injury Protection is not universally available and gives slightly broader coverage than med pay

UM/UIM Coverage

This coverage gives you protection from other drivers when they are uninsured or don't have enough coverage. This coverage pays for injuries to you and your family and also any damage incurred to your Mazda MX-5 Miata.

Due to the fact that many California drivers carry very low liability coverage limits (which is 15/30/5), it doesn't take a major accident to exceed their coverage limits. So UM/UIM coverage is very important.

Collision protection

This pays for damage to your MX-5 Miata caused by collision with another vehicle or an object, but not an animal. You first must pay a deductible and the rest of the damage will be paid by collision coverage.

Collision insurance covers things such as damaging your car on a curb, hitting a mailbox, crashing into a ditch and hitting a parking meter. Paying for collision coverage can be pricey, so consider removing coverage from lower value vehicles. You can also raise the deductible on your MX-5 Miata to bring the cost down.

Comprehensive or Other Than Collision

Comprehensive insurance coverage covers damage OTHER than collision with another vehicle or object. A deductible will apply then the remaining damage will be covered by your comprehensive coverage.

Comprehensive can pay for things like vandalism, hitting a deer and damage from getting keyed. The highest amount a insurance company will pay at claim time is the market value of your vehicle, so if your deductible is as high as the vehicle's value it's not worth carrying full coverage.

Compare car insurance rates regularly to save

As you quote Los Angeles auto insurance, it's a bad idea to reduce needed coverages to save money. In many cases, consumers will sacrifice full coverage and found out when filing a claim that their decision to reduce coverage ended up costing them more. Your strategy should be to buy the best coverage you can find at the lowest possible cost but still have enough coverage for asset protection.

We just showed you many tips how you can compare Mazda MX-5 Miata insurance prices in Los Angeles. The key concept to understand is the more rate comparisons you have, the better your comparison will be. You may even be surprised to find that the best prices are with a company that doesn't do a lot of advertising.

Insureds who switch companies do it for a number of reasons such as high prices, lack of trust in their agent, questionable increases in premium and policy cancellation. Regardless of your reason, finding the right car insurance provider is not as difficult as it may seem.

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