Affordable Rates for Mazda MX-5 Miata Insurance in San Jose

It’s an obvious statement that auto insurance companies don’t want policyholders to compare prices from other companies. Drivers who shop around will probably switch companies because there are good odds of finding good coverage at a lower price. A recent insurance study discovered that consumers who compared prices once a year saved over $70 a month compared to those who never compared rates.

If saving money on Mazda MX-5 Miata insurance is your objective, then having some knowledge of how to find and compare insurance coverage can help you succeed in finding affordable rates.

Insurance rates Mazda MX-5 Miata in San JoseThe recommended way to get the cheapest Mazda MX-5 Miata insurance is to compare prices regularly from providers who sell auto insurance in San Jose. Rate comparisons can be done by following these guidelines.

  1. Get an understanding of individual coverages and the modifications you can make to lower rates. Many rating criteria that are responsible for high rates like inattentive driving and an imperfect credit rating can be amended by making minor driving habit or lifestyle changes.
  2. Request rate estimates from independent agents, exclusive agents, and direct companies. Exclusive and direct companies can only provide price estimates from a single company like Progressive and State Farm, while independent agents can provide price quotes from many different companies.
  3. Compare the new rates to the price on your current policy to see if a cheaper price is available. If you find a lower rate and make a switch, make sure there is no lapse between the expiration of your current policy and the new one.

The key aspect of shopping around is that you use the same amount of coverage on every price quote and and to analyze as many car insurance companies as possible. Doing this enables an accurate price comparison and a complete price analysis.

Most major insurance companies make it easy to get price estimates directly from their websites. Getting Mazda MX-5 Miata insurance prices online is pretty painless because it’s just a matter of typing in the coverage amounts you desire as detailed in the form. After the form is submitted, their system gets credit information and your driving record and returns a price quote determined by many factors. This makes comparing rates easy, and it’s absolutely necessary to get many rate quotes if you are searching for the most affordable premium on auto insurance.

To save time and find out if lower rates are available, check out the auto insurance providers below. If you currently have coverage, we recommend you duplicate the limits and deductibles just like they are on your policy. This ensures you will get a fair comparison based on identical coverages.

The companies in the list below can provide free rate quotes in California. If the list has multiple companies, it’s a good idea that you compare several of them to get the best price comparison.

Rate information and statistics

The premium information displayed next outlines different insurance costs for Mazda MX-5 Miata models. Being more informed about how insurance quotes are established can help customers make decisions on which insurance to purchase.


Mazda MX-5 Miata Insurance Rates in San Jose, 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
Get Your Own Custom Quote Go

Premium data assumes married male driver age 30, no speeding tickets, no at-fault accidents, $500 deductibles, and California minimum liability limits. Discounts applied include multi-policy, claim-free, safe-driver, multi-vehicle, and homeowner. Rate quotes do not factor in specific garaging location which can change auto insurance rates greatly.

Should you raise deductibles?

A question often asked by San Jose drivers is which deductible level should you buy. The comparison tables below help summarize the differences in price between low and high policy deductibles. The first data table uses a $250 deductible for comp and collision and the second pricing table uses a $1,000 deductible.


Mazda MX-5 Miata insurance 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 Custom Quote Go

Mazda MX-5 Miata insurance with $1,000 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
MX-5 Miata Sport 2-Dr Convertible $184 $298 $376 $22 $112 $992 $83
MX-5 Miata Touring 2-Dr Convertible $210 $362 $376 $22 $112 $1,082 $90
MX-5 Miata Grand Touring 2-Dr Convertible $210 $362 $376 $22 $112 $1,082 $90
Get Your Own Custom Quote Go

Premium data assumes married male driver age 30, no speeding tickets, no at-fault accidents, and California minimum liability limits. Discounts applied include homeowner, multi-vehicle, safe-driver, multi-policy, and claim-free. Information does not factor in San Jose location which can impact coverage rates considerably.

We can estimate from the data above that using a $250 deductible costs approximately $29 more each month or $348 for a full year across all Mazda MX-5 Miata models than choosing the higher $1,000 deductible. Since the policyholder would be required to pay $750 more if you file a claim with a $1,000 deductible as compared to a $250 deductible, if you usually have at least 26 months between claims, you would save money by going with a higher deductible.

The example below highlights how deductible selection and can affect Mazda MX-5 Miata yearly insurance costs for different categories of driver ages. Data assumes a single male driver, comprehensive and collision coverage, and no policy discounts are applied.

Smart Buyers Know How to Find Car Insurance More Affordably

One of the most helpful ways to save on car insurance is to to have a grasp of some of the elements that are used to determine the price you pay for car insurance. When you understand what determines base rates, this allows you to make good choices that may result in lower premium levels. Many different elements are taken into consideration when pricing auto insurance. Some of the criteria are obvious like your driving record, but other criteria are less apparent like where you live or your commute time.

The following are most of the major factors used by companies to determine your premiums.

Insurance protects more than just your car

Even though it’s not necessarily cheap to insure a Mazda in San Jose, paying for insurance serves a purpose in several ways.

The benefits of carrying adequate insurance are definitely more than the cost, especially for larger claims. According to a survey of 1,000 drivers, the average driver is wasting up to $800 each year so you should quote and compare rates once a year at a minimum to ensure rates are competitive.