Cheap Mazda MX-5 Miata Insurance in Santa Ana

Wish you could get out of an overpriced auto insurance policy? Trust us when we tell you there are many people just like you.

Amazingly, a recent NerdWallet.com study showed that nearly 70% of customers kept their coverage with the same auto insurance company for more than four years, and almost 40% of drivers have never compared rate quotes at all. California insurance shoppers can cut their rates by about 35% a year by just comparing quotes, but most just don't grasp the actual amount they would save if they switched to a more affordable policy.

Steps to finding better rates for Mazda MX-5 Miata insurance in Santa Ana

If you want to save the most money, the best way to get budget Mazda MX-5 Miata insurance is to compare prices at least once a year from providers who can sell car insurance in Santa Ana.

• Step 1: Try to comprehend how car insurance works and the modifications you can make to prevent rate increases. Many rating criteria that cause high rates such as high-risk driving behaviors and a substandard credit history can be amended by improving your driving habits or financial responsibility.
• Step 2: Obtain price quotes from exclusive agents, independent agents, and direct providers. Exclusive agents and direct companies can only quote rates from one company like GEICO and Allstate, while independent agencies can provide price quotes from multiple companies. View a list of agents
• Step 3: Compare the new rates to the premium of your current policy to see if a cheaper price is available in Santa Ana. If you find better rates and switch companies, make sure there is no coverage gap between policies.
• Step 4: Provide written notification to your current company to cancel your current auto insurance policy. Submit the application along with any required down payment for the new policy. Be sure to place your new proof of insurance paperwork in an easily accessible location.

One tip to remember is to use the same liability limits and deductibles on each quote request and and to compare every insurance company. This enables a fair price comparison and maximum price selection.

You have so many auto insurance companies to purchase coverage from, and though it is a good thing to be able to choose, having more car insurance companies makes it harder to find the lowest rates for Mazda MX-5 Miata insurance in Santa Ana.

It's important to take a look at other company's rates yearly because insurance rates change frequently. If you had the best rate on Mazda MX-5 Miata insurance in Santa Ana a couple years back other companies may now be cheaper. Ignore everything you know about auto insurance because you're going to learn the proper way to find better rates and still maintain coverage.

Our goal in writing this article tell you the best way to quote coverages and also save some money in the process If you are already insured, you should be able to save money using the tips covered below. Drivers just need to use the best way to shop from many different companies.

Compare Santa Ana Mazda MX-5 Miata insurance price quotes online

The following companies can provide price comparisons in Santa Ana, CA. If multiple companies are shown, it's highly recommended you visit several of them in order to get a fair rate comparison.

Insurance policy discounts you can't miss

The price of auto insurance can be rather high, but you may find discounts to help bring down the price. A few discounts will be applied at the time of purchase, but occasionally some discounts must be asked for before you get the savings.

• Low Mileage Discounts - Maintaining low annual mileage can qualify you for cheaper insurance rates.
• Passive Restraint Discount - Factory options such as air bags or motorized seat belts may earn rate discounts up to 30%.
• Sign Early and Save - A few larger companies offer discounts for buying a policy prior to your current MX-5 Miata insurance policy expiring. Ten percent is about the average savings.
• Life Insurance Discount - Not all insurance companies offer life insurance, but some may give you a discounted premium rate on car insurance if you buy a life policy as well.
• Good Grades Discount - Performing well in school can get you a discount of up to 25%. Most companies allow this discount up until you turn 25.
• ABS Brakes - Cars and trucks equipped with ABS or steering control are much safer to drive and therefore earn up to a 10% discount.
• Payment Method - By making one initial payment instead of making monthly payments you could save up to 5%.
• Bundled Policy Discount - If you have multiple policies and place coverage with the same company you could get a discount of at least 10% off all policies.

One thing to note about discounts is that most discount credits are not given to the whole policy. Most only apply to specific coverage prices like physical damage coverage or medical payments. So despite the fact that it appears all the discounts add up to a free policy, it doesn't quite work that way.

The illustration below shows the comparison of Mazda MX-5 Miata premium costs with and without discounts applied to the policy rates. The premiums are based on a female driver, a clean driving record, no claims, California state minimum liability limits, comp and collision included, and $1,000 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with homeowner, multi-policy, multi-car, claim-free, safe-driver, and marriage discounts applied.

A list of companies and some of the premium reductions they offer can be read below.

• State Farm offers discounts including driver's education, good student, accident-free, student away at school, Steer Clear safe driver discount, Drive Safe & Save, and good driver.
• GEICO discounts include defensive driver, emergency military deployment, membership and employees, five-year accident-free, anti-lock brakes, and multi-vehicle.
• Allstate may have discounts that include eSmart discount, farm vehicle, multi-policy, good payer, teenSMART discount, passive restraint, and FullPay discount.
• SAFECO offers discounts for drive less, bundle discounts, accident prevention training, multi-car, anti-lock brakes, and teen safety rewards.
• Farm Bureau includes discounts for multi-vehicle, renewal discount, youthful driver, safe driver, and good student.
• Progressive may include discounts for multi-policy, continuous coverage, online signing, homeowner, and good student.
• AAA may offer discounts for education and occupation, anti-theft, pay-in-full, multi-policy, good student, multi-car, and good driver.

If you are trying to find affordable Santa Ana car insurance quotes, ask all companies you are considering how you can save money. Some credits may not apply to policyholders in Santa Ana. If you would like to view companies who offer online Mazda MX-5 Miata insurance quotes in Santa Ana, click here to view.

Rate information and statistics

The price information shown below covers detailed analysis of insurance rates for Mazda MX-5 Miata models. Having a good understanding how insurance prices are established is important to be able to make informed decisions when shopping around for a new policy.

Prices based on married female driver age 30, no speeding tickets, no at-fault accidents, $500 deductibles, and California minimum liability limits. Discounts applied include claim-free, multi-vehicle, multi-policy, safe-driver, and homeowner. Premium amounts do not factor in your specific Santa Ana location which can affect prices greatly.

The diagram below demonstrates how choosing different deductibles and can affect Mazda MX-5 Miata annual premium costs for each different age group. The premiums assume a married male driver, comp and collision included, and no discounts are factored in.

Buying insurance from Santa Ana insurance agents

Some consumers would prefer to sit down and talk to an agent and that is recommended in a lot of cases Agents can help you choose the best coverages and help submit paperwork. The biggest benefit of getting free rate quotes online is that you can find lower rates but still work with a licensed agent. Buying insurance from neighborhood agents is still important in Santa Ana.

To help locate an agent, after submitting this quick form, your coverage information is submitted to insurance agents in Santa Ana who want to provide quotes for your insurance coverage. It simplifies rate comparisons since you won't have to find an agent since price quotes are sent to you instantly. If you wish to get a comparison quote from a particular provider, you can always go to their quote page and submit a quote form there.

If you need to find a reliable insurance agent, there are a couple of different agency structures from which to choose. Insurance agencies can either be exclusive agents or independent agents. Both types can insure your vehicles, but it is a good idea to know the difference in how they write coverage since it can affect the type of agent you choose.

Independent Agents (or Brokers)

Independent agents can quote rates with many companies so as a result can place your coverage through many companies and get the cheapest rates. To move your coverage to a new company, they can switch companies in-house without you having to go to a different agency.

If you are comparing rate quotes, you need to include rate quotes from a few independent agents to have the best price comparison.

Featured below is a short list of independent agencies in Santa Ana who can help you get free price quotes.

View more agents

Exclusive Insurance Agents

Exclusive agents normally can only provide a single company's rates such as State Farm or Allstate. These agents are unable to place coverage with different providers so if the price isn't competitive there isn't much they can do. Exclusive agents are well trained on what they offer which helps overcome the inability to quote other rates.

Below is a short list of exclusive agencies in Santa Ana that can give you comparison quotes.

View more agents

Finding the right car insurance agent should depend on more than just the price. These questions are important to ask:

• How long have they been in business?
• Will the agent help in case of a claim?
• Can they help ensure a fair claim settlement?
• If your car is totaled, how to they determine the replacement cost?
• Are they paid to recommend certain coverages?
• Do they regularly work with personal auto policies in Santa Ana?

Car insurance can get complicated

When quoting and choosing the best car insurance coverage for your personal vehicles, there isn't really a "best" method to buy coverage. Everyone's situation is unique.

Here are some questions about coverages that may help you determine whether or not you may require specific advice.

• Does my policy cover me when driving someone else's vehicle?
• Should I buy additional glass protection?
• Do I need roadside assistance coverage?
• Do I have coverage when making deliveries for my home business?
• Should I rate my Mazda MX-5 Miata as pleasure use or commute?
• Will my insurance pay for OEM parts?
• Does insurance cover tools stolen from my truck?
• Are all vehicle passengers covered by medical payments coverage?
• Do I need medical payments coverage since I have good health insurance?
• Is there a penalty for late payment?

If you're not sure about those questions, you might consider talking to a licensed insurance agent. If you want to speak to an agent in your area, take a second and complete this form. It's fast, doesn't cost anything and can provide invaluable advice.

Informed Consumers Can Slash Their Insurance Premiums

Smart consumers have a good feel for the rating factors that aid in calculating your premiums. When consumers understand what determines premiums, this enables informed choices that will entitle you to much lower annual insurance costs.

• Your gender affects rates - Over the last 50 years, statistics have shown women are more cautious behind the wheel. That doesn't necessarily mean that females are better at driving than males. Males and females cause at-fault accidents in similar percentages, but guys have costlier accidents. Not only are claims higher, but men get higher numbers of serious violations such as DWI and reckless driving.

  The information below shows the comparison of Mazda MX-5 Miata insurance prices for male and female drivers. The prices are based on no claims, a clean driving record, comp and collision included, $250 deductibles, single marital status, and no discounts are factored in.
• Consolidate policies and save money - Some insurers will award a discount to policyholders who have multiple policies with them, otherwise known as a multi-policy discount. If you currently are using one company, it's still a good idea to check prices from other companies to confirm you are receiving the best rates possible.There is a good possibility that you can save money by buying from different companies

• Older drivers are lower risk - Inexperience drivers tend to be more careless when driving with friends so car insurance rates are higher. Older drivers are shown to be more cautious, cost insurance companies less in claims, and usually have better credit.

  The chart below is based on a single driver, full coverage with $500 deductibles, and no discounts or violations.

• Costs are impacted by vehicle performance - The performance level of the car you are trying to find cheaper insurance for makes a substantial difference in how high your rates are. The cheapest rates are for small economy passenger cars, but the final cost of insurance is determined by many other factors.

  The data below assumes a married female driver age 20, full coverage with $500 deductibles, and no discounts or violations. It shows Mazda MX-5 Miata insurance rates compared to other models of vehicles that have different performance risks.
• Responsible credit equals lower prices - Having a bad credit score is likely to be a major factor in calculating your car insurance rates. So if your credit leaves room for improvement, you could be paying less to insure your Mazda MX-5 Miata by improving your credit score. Drivers with high credit ratings tend to file fewer claims and have better driving records than those with lower credit scores.
• Keep claims to a minimum - Auto insurance companies in California award discounts to insureds who are not frequent claim filers. If you tend to file frequent claims, you can expect much higher rates or policy non-renewal. Auto insurance is meant to be used in the event of claims that you cannot pay yourself.

• Insurance loss probability for a Mazda MX-5 Miata - Companies take into consideration insurance loss statistics for every vehicle to calculate a rate that will offset losses. Models that historically have higher prevalence or dollar amount of losses will have a higher cost to insure.

  The next table shows the loss history for Mazda MX-5 Miata vehicles. For each coverage type, the loss probability for all vehicles, regardless of make or model, is considered to be 100. Numbers below 100 suggest a positive loss record, while numbers above 100 point to more claims or a tendency for claims to be larger.

  Mazda MX-5 Miata Insurance Claim Statistics

  Vehicle Make and Model	Collision	Property Damage	Comp	Personal Injury	Medical Payment	Bodily Injury
  Mazda MX-5 Miata Convertible	76	61	74	72

  BETTER

  AVERAGE

  WORSE

  Empty fields indicate not enough data collected
  Statistics Source: Insurance Institute for Highway Safety for 2013-2015 Model Years

Buying the right Mazda vehicle insurance in California is an important decision

Despite the potentially high cost of Mazda MX-5 Miata insurance, insurance may not be optional for several reasons.

• Just about all states have mandatory liability insurance requirements which means the state requires a specific minimum amount of liability protection in order to license the vehicle. 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 your vehicle has a lienholder, almost all lenders will have a requirement that you have insurance to ensure the loan is repaid in case of a total loss. If the policy lapses, the bank may insure your Mazda at an extremely high rate and force you to pay the higher price.
• Insurance protects both your assets and your Mazda. It also can pay for medical bills incurred in an accident. One of the most valuable coverages, liability insurance, also pays expenses related to your legal defense if you cause an accident and are sued. If your Mazda gets damaged, your policy will pay to restore your vehicle to like-new condition.

The benefits of insuring your MX-5 Miata definitely exceed the cost, particularly for liability claims. On average, a vehicle owner in Santa Ana is overpaying more than $810 a year so you should quote your policy with other companies each time the policy renews to be sure current rates are still competitive.

Cheap car insurance rates are possible

As you quote Santa Ana car insurance, it's very important that you do not reduce coverage to reduce premium. There are many occasions where someone sacrificed comprehensive coverage or liability limits to discover at claim time that the savings was not a smart move. Your objective should be to get the best coverage possible at the best price and still be able to protect your assets.

Cheap Mazda MX-5 Miata insurance in Santa Ana is available from both online companies as well as from independent agents in Santa Ana, so get free Santa Ana car insurance quotes from both of them to have the best rate selection. Some companies don't offer online quoting and usually these small, regional companies only sell through independent agents.

We just covered some good ideas how to compare Mazda MX-5 Miata insurance prices in Santa Ana. The key concept to understand is the more price quotes you have, the higher the chance of saving money. Drivers may even discover the biggest savings come from some of the smallest insurance companies.

How to buy discount Mazda MX-5 Miata insurance in Santa Ana

It takes a few minutes, but the best way to get more affordable Mazda MX-5 Miata insurance in Santa Ana is to make a habit of regularly comparing prices from companies who sell insurance in California.

Step 1: Take a little time to learn about what coverages are included in your policy and the factors you can control to keep rates in check. Many factors that are responsible for high rates such as traffic violations and a less-than-favorable credit score can be controlled by making small lifestyle or driving habit changes.

Step 2: Quote rates from exclusive agents, independent agents, and direct providers. Direct and exclusive agents can give quotes from one company like GEICO or State Farm, while agents who are independent can provide rate quotes from multiple companies.

Step 3: Compare the new rate quotes to your current policy premium to see if switching to a new carrier will save money. If you find a better price and change companies, verify that coverage does not lapse between policies.

Step 4: Notify your current company to cancel your current auto insurance policy and submit payment and a completed application for the new policy. As soon as coverage is bound, keep your new certificate verifying coverage with your registration paperwork.

A good tip to remember is to make sure you're comparing identical limits and deductibles on every quote and and to compare as many companies as you can. Doing this ensures a fair rate comparison and the best price quote selection.

Additional learning opportunities

• What is Full Coverage? (Allstate)
• Who Has Affordable Auto Insurance Rates for Safe Drivers in Santa Ana? (FAQ)
• Who Has Cheap Auto Insurance for Active Military in Santa Ana? (FAQ)
• Who Has Affordable Santa Ana Car Insurance Rates for Real Estate Agents? (FAQ)
• Who Has the Cheapest Auto Insurance Rates for a Nissan Rogue in Santa Ana? (FAQ)
• Who Has the Cheapest Car Insurance Rates for Drivers with a DUI in Santa Ana? (FAQ)
• Who Has the Cheapest Car Insurance Quotes for Handicapped Drivers in Santa Ana? (FAQ)
• How Much is Auto Insurance for a Hyundai Elantra in Santa Ana? (FAQ)
• How Much are Santa Ana Car Insurance Quotes for a Ford Escape? (FAQ)
• Who Has Cheap Santa Ana Car Insurance for Uber Drivers? (FAQ)
• Think You're a Safe Driver? (State Farm)
• Protecting Teens from Drunk Driving (Insurance Information Institute)