Cheapest Insurance for a Mazda MX-5 Miata in Pittsburgh

Unfortunately, nearly 70% of drivers renewed their policy with the same company for over three years, and nearly the majority have never compared rates to find affordable insurance. Pennsylvania insurance shoppers could save themselves up to $686 a year, but most tend to underestimate how much money they would save if they switched.

The most effective way to get discount Mazda MX-5 Miata insurance is to regularly compare quotes from providers in Pittsburgh.

• First, learn about how insurance works and the things you can control to prevent expensive coverage. Many risk factors that drive up the price such as accidents, traffic tickets, and a not-so-good credit rating can be amended by making minor driving habit or lifestyle changes.
• Second, get rate quotes from independent agents, exclusive agents, and direct companies. Exclusive and direct companies can only quote rates from a single company like GEICO or Allstate, while independent agents can provide prices from multiple companies.
• Third, compare the new rates to your existing rates and determine if there is any savings. If you can save money and change companies, ensure coverage does not lapse between policies.

The most important part of this process is that you’ll want to compare similar limits and deductibles on every price quote and and to get rates from as many companies as possible. This helps ensure a level playing field and a complete price analysis.

Pittsburgh car insurance discounts

Not many people think insurance is cheap, but you may be missing some discounts that could drop your premiums quite a bit. Some discounts apply automatically at quote time, but lesser-known reductions have to be asked about prior to getting the savings.

• Renewal Discounts – Some companies reward drivers for switching to them before your current expiration date. You can save around 10% with this discount.
• Pay Early and Save – If you can afford to pay the entire bill rather than paying monthly you can actually save on your bill.
• Pittsburgh Homeowners Pay Less – Just being a homeowner can earn you a little savings because it demonstrates responsibility.
• Accident-Free Discounts – Insureds with no claims or accidents pay less as opposed to insureds who have frequent claims or accidents.
• College Student Discount – Youth drivers who live away from home at college and don’t have a car could qualify for this discount.

Remember that most discounts do not apply to the whole policy. Some only reduce the price of certain insurance coverages like physical damage coverage or medical payments. So even though they make it sound like all the discounts add up to a free policy, it just doesn’t work that way.

The diagram below illustrates the difference between Mazda MX-5 Miata auto insurance rates with and without discounts applied to the policy rates. The premiums assume a male driver, no accidents or driving violations, Pennsylvania state minimum liability limits, comp and collision included, and $500 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with safe-driver, multi-car, multi-policy, claim-free, homeowner, and marriage discounts applied.

A list of car insurance companies and a partial list of their discounts are:

• State Farm has discounts for student away at school, driver’s education, good driver, multiple autos, and multiple policy.
• Farmers Insurance may include discounts for teen driver, switch companies, business and professional, electronic funds transfer, multi-car, youthful driver, and good student.
• GEICO includes discounts for federal employee, five-year accident-free, membership and employees, emergency military deployment, and seat belt use.
• American Family discounts include air bags, early bird, Steer into Savings, good student, good driver, accident-free, and multi-vehicle.
• Nationwide offers discounts for anti-theft, multi-policy, defensive driving, business or organization, family plan, easy pay, and good student.
• Progressive policyholders can earn discounts including online signing, multi-policy, multi-vehicle, online quote discount, good student, homeowner, and continuous coverage.

When getting free Pittsburgh car insurance quotes, it’s a good idea to each insurance company which discounts they offer. Savings may not apply in your state. To choose car insurance companies who offer online Mazda MX-5 Miata insurance quotes in Pittsburgh, follow this link.

To find the best car insurance quotes, there are several ways to obtain and compare prices from many car insurance companies in Pennsylvania. The quickest method to find affordable Mazda MX-5 Miata insurance rates involves getting comparison quotes online.

Doing online price quotes comparisons is so easy that it replaces the need to spend time driving to insurance agents’ offices. Quoting Mazda MX-5 Miata insurance online has reduced the need for local agents unless you want the trained advice that you can only get from talking to an agent. Although you can comparison shop your insurance online and have a local agent actually service the policy. Keep in mind that comparing a large number of companies helps you find more affordable insurance. Some insurance companies are not set up to provide online Pittsburgh MX-5 Miata insurance quotes, so it’s important to also get rates from those companies as well.

The providers in the list below are ready to provide price quotes in Pennsylvania. If multiple companies are listed, it’s a good idea that you visit several of them to get the best price comparison.

Mazda MX-5 Miata insurance charts and tables

The rate table shown below outlines a range of rate quotes for Mazda MX-5 Miata models. Having a better idea how policy premiums are formulated can benefit drivers when making smart choices when purchasing an insurance policy.

Data based on single female driver age 50, no speeding tickets, no at-fault accidents, $100 deductibles, and Pennsylvania minimum liability limits. Discounts applied include safe-driver, homeowner, multi-vehicle, claim-free, and multi-policy. Information does not factor in Pittsburgh location which can affect premiums significantly.

Policy deductibles

A question often asked by Pittsburgh drivers is the level to set your comp and collision deductibles. The data tables below can help you visualize the differences in price between high and low physical damage coverage deductibles. The first rate quote example uses a $250 deductible for comprehensive and collision coverage and the second rate chart uses a $1,000 deductible.

Prices above based on married male driver age 30, no speeding tickets, no at-fault accidents, and Pennsylvania minimum liability limits. Discounts applied include claim-free, safe-driver, multi-policy, homeowner, and multi-vehicle. Rate information does not factor in specific Pittsburgh garaging location which can revise prices noticeably.

Based on the figures above, using a $250 deductible could cost the average driver approximately $23 more each month or $276 for a full year averaged for all MX-5 Miata models than choosing the higher $1,000 deductible. Because you would pay $750 more to settle a claim with a $1,000 deductible as compared to a $250 deductible, if you go at a minimum 33 months between claim filings, you would save more money going with the higher deductible. Below is how you can do this calculation yourself.

One big caveat is that a higher deductible means you will have to pay more out-of-pocket when you file a claim. You must have enough money stashed away in the event you need to pay the deductible.

The diagram below highlights how deductible choice and can influence Mazda MX-5 Miata annual premium costs for each age group. The rate quotes are based on a married female driver, comprehensive and collision coverage, and no discounts are taken into consideration.

Mazda MX-5 Miata insurance costs by age and gender

The example below shows the difference between Mazda MX-5 Miata car insurance rates for male and female drivers. Data assumes a clean driving record, no at-fault accidents, comprehensive and collision coverage, $1,000 deductibles, drivers are not married, and no other discounts are factored in.

Compare rates but still have a local neighborhood Pittsburgh car insurance agent

Some consumers just want to talk to an insurance agent and that can be a great decision A nice benefit of getting online price quotes is that you can find the best rates and still buy from a local agent. And providing support for local agents is definitely important in Pittsburgh.

To find an agent, once you fill out this simple form, the coverage information is instantly submitted to companies in Pittsburgh who will return price quotes for your insurance coverage. It makes it easy because there is no need to visit any agencies since price quotes are sent to you instantly. You can find lower rates AND a local agent. If you need to quote rates from a specific insurance provider, feel free to go to their quote page and submit a quote form there.

Selecting an provider is decision based upon more than just a cheap quote. Ask your prospective agent these questions:

• Do the companies they represent have a solid financial rating?
• Will your rates increase after a single accident?
• Does the company allow you to choose your own collision repair facility?
• Where would glass claims be handled in Pittsburgh?
• How would your car be valued if totaled?

Once you have received good responses to these questions and an acceptable price quote, you may have found an provider that can properly insure your vehicles.

You can find cheap coverage

As you go through the steps to switch your coverage, you should never skimp on critical coverages to save a buck or two. There are a lot of situations where drivers have reduced liability limits or collision coverage only to regret at claim time that the small savings ended up costing them much more. The proper strategy is to find the BEST coverage at the lowest possible cost while not skimping on critical coverages.

You just learned some good ideas how to shop for Mazda MX-5 Miata insurance online. The most important thing to understand is the more providers you compare, the higher your chance of finding affordable Mazda MX-5 Miata insurance quotes. You may even discover the lowest rates are with a smaller regional carrier. Smaller companies may often insure only within specific states and give better rates than the large multi-state companies such as Progressive or GEICO.

Lower-priced car insurance in Pittsburgh can be found on the web as well as from insurance agents, and you need to price shop both to have the best chance of lowering rates. A few companies may not have internet price quotes and usually these smaller companies only sell through independent agencies.

Helpful resources

• Keeping Children Safe in Crashes Video (iihs.org)
• How Much are Car Insurance Quotes for Good Drivers in Pittsburgh? (FAQ)
• Vehicle Size and Weight FAQ (iihs.org)
• What are my Rights when Filing a Claim? (Insurance Information Institute)
• How to Avoid Staged Accidents (State Farm)