Finding better insurance prices for a new or used Mazda MX-5 Miata in Georgia can turn out to be an all-consuming task, but you can learn our auto insurance buying tips and make it easy. There are both good and bad ways to shop for auto insurance and we’ll show you the absolute fastest way to get price quotes for your Mazda and locate the lowest possible price either online or from Atlanta insurance agents.
You should make it a habit to compare premium rates yearly due to the fact that insurance prices are variable and change quite frequently. Even if you got the best price on Mazda MX-5 Miata insurance in Atlanta at your last renewal a different company probably has better rates today. Forget all the misinformation about auto insurance because you’re about to learn the right way to save on auto insurance.
If you have insurance now or are just looking to switch companies, use these techniques to shop for the lowest rates without reducing protection. Getting quotes for cheaper insurance coverage in Atlanta is not as hard as you think. Smart shoppers only need to know the most time-saving way to compare different rates from many different companies online.
The most recommended method to compare policy rates for Mazda MX-5 Miata insurance in Atlanta is to realize most of the larger companies participate in a system to give you rate quotes. All consumers are required to do is take a few minutes to give details such as whether you are single or married, daily mileage, whether or not you need a SR-22, and whether you have decent credit. Your information gets transmitted to many different companies and they return cost estimate with very little delay.
To compare rates for your Mazda MX-5 Miata now, click here and find out if you can get cheaper insurance in Atlanta.
The companies shown below are ready to provide price quotes in Atlanta, GA. If more than one company is shown, it’s a good idea that you get price quotes from several of them to get the most affordable price.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| MX-5 Miata Sport 2-Dr Convertible | $238 | $418 | $452 | $26 | $136 | $1,270 | $106 |
| MX-5 Miata Touring 2-Dr Convertible | $376 | $752 | $452 | $26 | $136 | $1,742 | $145 |
| MX-5 Miata Grand Touring 2-Dr Convertible | $262 | $502 | $352 | $20 | $106 | $1,242 | $104 |
| Get Your Own Custom Quote Go | |||||||
Data rating is based on married female driver age 40, no speeding tickets, no at-fault accidents, $250 deductibles, and Georgia minimum liability limits. Discounts applied include homeowner, safe-driver, multi-policy, multi-vehicle, and claim-free. Rate quotes do not factor in specific location which can lower or raise auto insurance rates significantly.
Careless Atlanta drivers pay higher rates
The diagram below highlights how speeding tickets and accidents can influence Mazda MX-5 Miata insurance rates for different age categories. The premiums are based on a married male driver, full coverage, $250 deductibles, and no policy discounts are applied.
How much more does full coverage cost?
The information below shows the comparison of Mazda MX-5 Miata car insurance costs with liability coverage only compared to full coverage. The data is based on no claims or violations, $500 deductibles, single female driver, and no policy discounts are applied.
When to stop buying comprehensive and collision coverage
There is no definitive rule that is best for determining when to drop comp and collision coverage, but there is a guideline you can use. If the yearly cost for physical damage coverage is 10% or more of the replacement cost of your vehicle minus the policy deductible, then it may be the right time to buy liability only.
For example, let’s say your Mazda MX-5 Miata replacement value is $8,000 and you have $1,000 policy deductibles. If your vehicle is totaled, the most you would receive is $7,000 after the policy deductible has been paid. If you are paying more than $700 annually for comprehensive and collision coverage, then you might want to consider buying only liability coverage.
There are some circumstances where eliminating full coverage is not advised. If you haven’t satisfied your loan, you have to maintain full coverage in order to prevent your loan from defaulting. Also, if your finances do not allow you to purchase a different vehicle if your current one is in an accident, you should not consider dropping full coverage.
Physical damage deductible comparison
One common question asked by Atlanta drivers is how high should your deductibles be. The premium rates below can help you understand the costs and benefits of buying low and high policy deductibles. The first data set uses a $250 deductible for physical damage and the second price chart uses a $500 deductible.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| MX-5 Miata Sport 2-Dr Convertible | $264 | $420 | $334 | $20 | $100 | $1,163 | $97 |
| MX-5 Miata Touring 2-Dr Convertible | $304 | $512 | $334 | $20 | $100 | $1,295 | $108 |
| MX-5 Miata Grand Touring 2-Dr Convertible | $304 | $512 | $334 | $20 | $100 | $1,295 | $108 |
| Get Your Own Custom Quote Go | |||||||
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| MX-5 Miata Sport 2-Dr Convertible | $216 | $340 | $334 | $20 | $100 | $1,010 | $84 |
| MX-5 Miata Touring 2-Dr Convertible | $248 | $414 | $334 | $20 | $100 | $1,116 | $93 |
| MX-5 Miata Grand Touring 2-Dr Convertible | $248 | $414 | $334 | $20 | $100 | $1,116 | $93 |
| Get Your Own Custom Quote Go | |||||||
Data based on married male driver age 30, no speeding tickets, no at-fault accidents, and Georgia minimum liability limits. Discounts applied include multi-vehicle, multi-policy, homeowner, claim-free, and safe-driver. Price information does not factor in vehicle garaging location which can revise price quotes considerably.
Based on these figures, using a $250 deductible costs an average of $14 more each month or $168 every year than quoting the higher $500 deductible. Since you would have to pay $250 more if you turn in a claim with a $500 deductible as compared to a $250 deductible, if you tend to average more than 18 months between claims, you would probably be better off if you elect the higher deductible. The illustration below shows a better example of how you can perform this determination yourself.
| Average monthly premium for $250 deductibles: | $104 |
| Average monthly premium for $500 deductibles (subtract): | – $90 |
| Monthly savings from raising deductible: | $14 |
| Difference between deductibles ($500 – $250): | $250 |
| Divide difference by monthly savings: | $250 / $14 |
| Number of months required between physical damage coverage claims in order to save money by choosing the higher deductible | 18 months |
An important thing to remember is that a higher deductible level results in having to pay to pay more out-of-pocket if you have a claim. That will require some funds available in the event you need to pay the deductible for vehicle repair.
What is the best auto insurance coverage?
Always keep in mind that when comparing coverage online or from an agent for your vehicles, there isn’t really a one size fits all plan. Your situation is unique so your insurance should reflect that
These are some specific questions may help highlight if you could use an agent’s help.
- Should I get collision insurance on every vehicle?
- How many claims can I have before being canceled?
- Do I benefit by insuring my home with the same company?
- When does my teenage driver need to be added to my policy?
- Should I bundle my homeowners policy with my auto?
- Can I pay claims out-of-pocket if I buy high deductibles?
- What is high-risk coverage and where do I buy it?
- Am I covered when delivering products for my home-based business?
If you’re not sure about those questions but one or more may apply to you, you might consider talking to a licensed agent. To find lower rates from a local agent, take a second and complete this form or you can also visit this page to select a carrier It’s fast, free and you can get the answers you need.
When to have guidance from an insurance agent
A lot of people still like to buy from a licensed agent and that is a smart decision Professional insurance agents can point out coverage gaps and will help you if you have claims. One of the benefits of comparing auto insurance online is you can get cheap rate quotes and still buy from a local agent.
Upon completion of this quick form, your insurance coverage information is submitted to local insurance agents who will gladly provide quotes for your business. You never need to leave your computer because quoted prices will be sent instantly to you. In the event you want to quote rates from a particular provider, you just need to go to their quote page and fill out the quote form the provide.
Choosing an insurer is decision based upon more than just a cheap price. Agents should be asked these questions:
- Is working in the agency their full-time job?
- Will one accident increase rates?
- Does the company allow you to choose your own collision repair facility?
- Do they get extra compensation for selling add-on coverages?
- Are they primarily personal or commercial lines agents in Atlanta?
- Do you need full coverage on every vehicle?
- What insurance company do they write the most business with?
Different types of Atlanta car insurance agents
If you want to buy auto insurance from a reliable insurance agent, it helps to know the two types of insurance agents and how they can service your needs differently. Agents can be classified as either exclusive or independent agents depending on their company appointments. Both can properly insure your vehicles, but it is a good idea to know how they differ since it may influence buying decisions.
Exclusive Agents
Exclusive agents can usually just insure with one company like State Farm, AAA, and Liberty Mutual. These agents are unable to provide rate quotes from other companies so they have to upsell other benefits. Exclusive insurance agents receive a lot of sales training on the products they sell which helps them compete with independent agents. Consumers frequently use the same agent mainly due to the prominent brand name and the convenience of having all coverages with one company.
Below is a short list of exclusive insurance agencies in Atlanta who may provide you with comparison quotes.
- Shiron Kilgore – State Farm Insurance Agent
42 Forsyth St NW – Atlanta, GA 30303 – (404) 527-4883 – View Map - Carter Nicholson – State Farm Insurance Agent
3040 Briarcliff Rd NE c – Atlanta, GA 30329 – (404) 748-9739 – View Map - Danny Gibson State Farm Insurance Agent
215 Piedmont Ave NE #1 – Atlanta, GA 30308 – (404) 524-2292 – View Map
Independent Insurance Agents
Independent agencies often have many company appointments so they can write business through many different auto insurance companies and find the cheapest auto insurance rates. If they find a lower price, they simply move your policy to a different company which is easy for the insured.
If you are comparing auto insurance prices, we highly recommend that you compare prices from several independent insurance agents in order to compare the most rates. Many write coverage with less well-known companies which could offer lower prices.
The following is a short list of independent insurance agencies in Atlanta willing to provide comparison quotes.
- White and White Insurance
2882 E Point St – Atlanta, GA 30344 – (404) 766-9390 – View Map - Snellings Walters Insurance Agency
1117 Perimeter Center W – Atlanta, GA 30338 – (770) 396-9600 – View Map - InsuranceHub | Nationwide Insurance | Atlanta Office
1830 Water Pl #105 – Atlanta, GA 30339 – (404) 892-2864 – View Map