Car Insurance Rate Quotes for a Mazda MX-5 Miata in San Diego

Pretty sure you bought an overpriced auto insurance policy? You’re in good company because there are many people just like you.

Inconceivable but true, almost 70% of drivers kept buying from the same company for at least four years, and nearly 40% of drivers have never compared rates with other companies. Most drivers in California could save an average of roughly $470 each year just by comparing rates, but most just don’t grasp how much they could save if they replace their high priced policy. There are many auto insurance companies to insure vehicles with, and even though it’s nice to have multiple companies, lots of choices makes it harder to compare rates and find the lowest cost auto insurance.

Locating the most cost-effective car insurance policy in San Diego is much easier if you know where to start. If you are already insured or just want to reduce your rates, you can use these techniques to lower your rates and still have adequate protection. Shoppers only have to learn the tricks to get comparison quotes on the web.

The auto insurance companies shown below are our best choices to provide price comparisons in San Diego, CA. If multiple providers are shown, we recommend you visit several of them in order to find the most affordable rates.

Premium data assumes married male driver age 50, no speeding tickets, no at-fault accidents, $100 deductibles, and California minimum liability limits. Discounts applied include multi-vehicle, safe-driver, claim-free, multi-policy, and homeowner. Price estimates do not factor in vehicle location which can revise coverage rates greatly.

Insurance rate increases from tickets or accidents

The example below shows how violations and at-fault accidents impact Mazda MX-5 Miata car insurance costs for different categories of driver ages. The prices are based on a single female driver, comp and collision included, $100 deductibles, and no discounts are factored in.

Rate comparison for different deductibles

When buying auto insurance, a common question is where to set your physical damage deductibles. The rates below lay out the cost difference of buying low and high coverage deductibles. The first rate table uses a $250 physical damage deductible and the second set of rates uses a $1,000 deductible.

Data based on married male driver age 30, no speeding tickets, no at-fault accidents, and California minimum liability limits. Discounts applied include multi-vehicle, safe-driver, homeowner, claim-free, and multi-policy. Prices do not factor in specific location information which can change premium rates greatly.

Based on this data, using a $250 deductible will cost you about $29 more each month or $348 annually than opting for the higher $1,000 deductible. Since the policyholder would be required to pay $750 more to settle a claim with a $1,000 deductible as compared to a $250 deductible, if you normally go more than 26 months between claims, you would more than likely save some money if you opt for a higher deductible.

Don’t overlook these Mazda MX-5 Miata insurance discounts

Car insurance is neither fun to buy or cheap, but you may qualify for discounts that many consumers don’t even know exist. Some discounts will apply at the time of purchase, but some discounts are required to be inquired about prior to receiving the credit.

• Accident Forgiveness – This one isn’t a discount, but a handful of insurance companies permit an accident without the usual rate increase as long as you don’t have any claims before the accident.
• Auto/Home Discount – If you can combine your auto and home policy and place coverage with the same company you may earn nearly 15% which can help you find inexpensive Mazda MX-5 Miata insurance in San Diego.
• Low Mileage Discounts – Driving fewer miles could be rewarded with lower prices on the low mileage vehicles.
• Discount for Home Ownership – Just owning your own home can help you save on car insurance due to the fact that maintaining a home requires a higher level of personal finance.
• Driving Data Discount – People who choose to allow driving data collection to study their driving habits by using a telematics device such as Drivewise from Allstate or Snapshot from Progressive might get better premium rates if they show good driving skills.
• E-sign – Some companies will give you a small discount for completing your application on the internet.
• Multi-car Discount – Buying coverage for all your vehicles on the same car insurance policy could earn a price break for each car.
• Defensive Driving Course – Taking part in a course in safe driver is a good idea and can lower rates depending on where you live.
• Theft Deterrent Discount – Cars, trucks, and SUVs equipped with tracking devices and advanced anti-theft systems have a lower chance of being stolen and therefore earn up to a 10% discount.
• Safe Driver Discount – Drivers who avoid accidents can get discounts for up to 45% lower rates than their less cautious counterparts.

Discounts save money, but please remember that most credits do not apply to the entire cost. Some only reduce individual premiums such as medical payments or collision. So even though it sounds like you can get free auto insurance, companies wouldn’t make money that way.

Larger car insurance companies and their possible discounts are shown below.

• Farm Bureau offers discounts for renewal discount, youthful driver, 55 and retired, good student, and safe driver.
• MetLife discounts include multi-policy, accident-free, good student, good driver, and claim-free.
• Progressive policyholders can earn discounts including homeowner, multi-vehicle, good student, multi-policy, continuous coverage, and online signing.
• AAA has savings for multi-policy, multi-car, anti-theft, good student, and education and occupation.
• American Family may offer discounts for air bags, TimeAway discount, defensive driver, good student, bundled insurance, mySafetyValet, and Steer into Savings.
• GEICO may include discounts for multi-vehicle, anti-lock brakes, membership and employees, seat belt use, multi-policy, and good student.
• State Farm offers premium reductions for driver’s education, accident-free, defensive driving training, good student, safe vehicle, and Drive Safe & Save.

When getting free San Diego auto insurance quotes, it’s a good idea to all the companies the best way to save money. Some credits may not apply to policies in San Diego. To locate insurance companies that can offer you the previously mentioned discounts in San Diego, click here to view.

Buying the right MX-5 Miata insurance in California is an important decision

Even though it’s not necessarily cheap to insure a Mazda in San Diego, paying for car insurance serves an important purpose.

• Most states have compulsory liability insurance requirements which means it is punishable by state law to not carry a specific minimum amount of liability in order to be legal. In California these limits are 15/30/5 which means you must have $15,000 of bodily injury coverage per person, $30,000 of bodily injury coverage per accident, and $5,000 of property damage coverage.
• If you bought your Mazda with a loan, almost all lenders will stipulate that you buy insurance to protect their interest in the vehicle. If you do not pay your insurance premiums, the bank may buy a policy for your Mazda at a much higher premium rate and require you to pay a much higher amount than you were paying before.
• Car insurance preserves both your Mazda MX-5 Miata and your assets. It also can pay for many types of medical costs for you, any passengers, and anyone injured in an accident. As part of your policy, liability insurance will also pay for a defense attorney in the event you are sued. If damage is caused by hail or an accident, your car insurance policy will pay all costs to repair after the deductible has been paid.

The benefits of buying enough insurance are definitely more than the cost, specifically if you ever have a liability claim. The average driver in America is wasting up to $820 a year so you should quote rates at every renewal to ensure rates are competitive.

Special considerations

When quoting and comparing adequate coverage for your personal vehicles, there isn’t really a “perfect” insurance plan. Your needs are unique to you.

Here are some questions about coverages that might point out whether you may require specific advice.

• Why am I required to buy liability insurance?
• What is an adequate liability insurance limit?
• Should I put collision coverage on all my vehicles?
• I don’t drive much so do I pay less?
• What does roadside assistance cover?
• Am I covered when driving a rental car?
• Will damage be repaired with OEM parts?
• Is rental equipment covered for theft or damage?

If it’s difficult to answer those questions but one or more may apply to you, then you may want to think about talking to an insurance agent. To find an agent in your area, simply complete this short form. It is quick, free and can help protect your family.

When should I have guidance from an insurance agent?

Many people would prefer to buy from a local agent and doing that can be a smart decision Most agents can point out coverage gaps and help you file claims. The biggest benefit of comparing rate quotes online is the fact that drivers can get cheap rate quotes and still have an agent to talk to.

For easy comparison, once you complete this short form, your insurance data gets sent to local insurance agents who want to provide quotes to get your business. It simplifies rate comparisons since you won’t have to find an agent on your own as quotes are delivered to you instantly. If you have a need to compare rates for a specific company, you can always jump over to their website and submit a quote form there.

Finding the right provider requires more thought than just a low price. A good agent in San Diego will have answers to these questions.

• Is vehicle damage repaired with OEM or aftermarket parts?
• Do they regularly work with personal auto policies in San Diego?
• Is the agency involved in supporting local community causes?
• Is their price quote a firm figure or are their hidden costs?
• What insurance companies do they recommend if they are an independent agent?

If you want a good insurance agency, you should know the types of insurance agents and how they operate. Car insurance agents in San Diego can be classified as either independent or exclusive depending on the company they work for. Both types can write car insurance policies, but it’s important to point out the differences since it may influence which agent you choose.

Exclusive Car Insurance Agencies

Exclusive agents normally can only provide a single company’s rates like Farmers Insurance and State Farm. They generally cannot place coverage with different providers so keep that in mind. Exclusive insurance agents are well trained on their products and sales techniques and that can be a competitive advantage.

Listed below is a short list of exclusive insurance agents in San Diego who can help you get price quotes.

More San Diego agents

Independent Car Insurance Agencies

Independent insurance agents are not limited to a single company and that allows them to write policies through many companies depending on which coverage is best. If you are not satisfied with one company, your agent can just switch to a different company which makes it simple for you.

When comparing rate quotes, you absolutely need to compare quotes from a couple of independent agencies so that you can do a thorough price comparison.

The following are independent insurance agencies in San Diego that can give you price quotes.

More San Diego agents