Surprisingly, a recent survey revealed that the majority of drivers kept their coverage with the same auto insurance company for at least the last four years, and just short of a majority have never compared auto insurance rates at all. Many consumers in Long Beach could save themselves about 35% a year, but they think it’s difficult to compare rate quotes online.
If saving money is your primary concern, then the best way to get budget car insurance rates is to regularly compare price quotes from companies who sell insurance in Long Beach.
Step 1: Read and learn about how companies price auto insurance and the measures you can control to prevent high rates. Many rating factors that are responsible for high rates like traffic citations and an unacceptable credit score can be amended by making lifestyle changes or driving safer.
Step 2: Compare prices from independent agents, exclusive agents, and direct companies. Direct and exclusive agents can provide rates from one company like Progressive and State Farm, while agents who are independent can provide price quotes for a wide range of companies.
Step 3: Compare the quotes to your existing policy and determine if cheaper MX-5 Miata coverage is available in Long Beach. If you find a better price and buy the policy, make sure coverage does not lapse between policies.
Step 4: Give notification to your agent or company of your intention to cancel your current policy. Submit a down payment along with a signed application to the new company. Immediately upon receiving it, safely store the certificate of insurance with your vehicle’s registration.
One thing to point out is to use the same liability limits and deductibles on every quote and and to look at as many different companies as possible. This guarantees a level playing field and maximum price selection.
Best companies for competitive Mazda MX-5 Miata insurance in California
The companies shown below have been selected to offer free rate quotes in Long Beach, CA. If you want cheap car insurance in Long Beach, it’s highly recommended you visit two to three different companies to get a more complete price comparison.
Mazda MX-5 Miata insurance charts and tables
The table shown below showcases detailed analysis of insurance coverage prices for Mazda MX-5 Miata models. Having a good understanding how insurance prices are formulated is important to be able to make smart choices when purchasing an auto insurance policy.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| MX-5 Miata Sport 2-Dr Convertible | $270 | $434 | $386 | $22 | $116 | $1,228 | $102 |
| MX-5 Miata Touring 2-Dr Convertible | $310 | $530 | $386 | $22 | $116 | $1,364 | $114 |
| MX-5 Miata Grand Touring 2-Dr Convertible | $310 | $530 | $386 | $22 | $116 | $1,364 | $114 |
| Get Your Own Custom Quote Go | |||||||
Data based on married male driver age 40, no speeding tickets, no at-fault accidents, $250 deductibles, and California minimum liability limits. Discounts applied include claim-free, multi-vehicle, homeowner, safe-driver, and multi-policy. Premium costs do not factor in Long Beach location which can influence coverage prices considerably.
An analysis of deductible level
One of the most common auto insurance questions is how high should the physical damage deductibles be. The premium rates below outline the cost difference between high and low physical damage deductibles. The first set of prices uses a $250 physical damage deductible and the second pricing table uses a $1,000 deductible.
| 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 | |||||||
| 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 | |||||||
Table data represents married male driver age 30, no speeding tickets, no at-fault accidents, and California minimum liability limits. Discounts applied include safe-driver, multi-vehicle, multi-policy, claim-free, and homeowner. Price estimates do not factor in specific location which can influence auto insurance rates noticeably.
Based on the above data, using a $250 deductible costs approximately $29 more each month or $348 a year than choosing the higher $1,000 deductible. Because you would pay $750 more out of your own pocket with a $1,000 deductible as compared to a $250 deductible, if you usually have at a minimum 26 months between claim filings, you would probably be better off if you choose the higher deductible.
Men versus women drivers and insurance cost
The example below illustrates the difference between Mazda MX-5 Miata insurance rates for male and female drivers. The premiums assume no claims or violations, comprehensive and collision coverage, $100 deductibles, drivers are single, and no other discounts are factored in.
Cheaper Mazda MX-5 Miata insurance in Long Beach
Companies don’t list every possible discount in a way that’s easy to find, so the list below contains both well-publicized and the more hidden discounts you could be receiving when you buy Long Beach auto insurance online.
- Discount for Passive Restraints – Factory air bags may earn rate discounts of up to 25% or more.
- ABS and Traction Control Discounts – Vehicles with anti-lock braking systems are safer to drive and therefore earn up to a 10% discount.
- Good Student – Performing well in school may save as much as 25% on a Long Beach auto insurance quote. The discount lasts up until you turn 25.
- Sign Online – Some of the larger companies may give you up to $50 for completing your application on your computer.
- Defensive Driver Discount – Taking time to complete a course in defensive driver is a good idea and can lower rates if your company offers it.
- Discount for Swiching Early – Some insurance companies give discounts for buying a new policy prior to your current MX-5 Miata insurance policy expiring. You can save around 10% with this discount.
- Professional Memberships – Being in certain professional organizations is a simple method to lower premiums on your policy.
Remember that some credits don’t apply to all coverage premiums. A few only apply to the cost of specific coverages such as medical payments or collision. So when the math indicates all the discounts add up to a free policy, that’s just not realistic.
The information below shows the difference between Mazda MX-5 Miata auto insurance costs with and without discounts applied. The rates are based on a male driver, no tickets, no at-fault accidents, California state minimum liability limits, full physical damage coverage, and $100 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with safe-driver, claim-free, marriage, homeowner, multi-policy, and multi-car discounts applied.
Companies and their offered discounts are shown below.
- Progressive offers discounts for online signing, good student, multi-policy, homeowner, multi-vehicle, and online quote discount.
- AAA discounts include anti-theft, AAA membership discount, pay-in-full, good driver, good student, education and occupation, and multi-car.
- Farmers Insurance may include discounts for mature driver, distant student, teen driver, good student, and bundle discounts.
- GEICO may have discounts that include good student, five-year accident-free, anti-theft, air bags, membership and employees, and anti-lock brakes.
- Esurance includes discounts for renters, online shopper, DriveSense, anti-theft, and Pac-12 alumni.
- SAFECO offers discounts including accident prevention training, bundle discounts, multi-car, drive less, and safe driver.
- State Farm may offer discounts for Drive Safe & Save, accident-free, anti-theft, passive restraint, safe vehicle, good driver, and multiple autos.
Before you buy a policy, ask each insurance company the best way to save money. Savings may not apply to policyholders in your area. If you would like to see a list of companies who offer online Mazda MX-5 Miata insurance quotes in Long Beach, click here to view.
Everyone needs different auto insurance coverages
When choosing the right insurance coverage for your vehicles, there really is not a cookie cutter policy. Your financial needs are unique.
Here are some questions about coverages that can aid in determining whether you might need professional guidance.
- Are split liability limits better than a combined single limit?
- Am I covered if I crash into my own garage door?
- How much liability insurance is required?
- When should I remove my kid from my policy?
- What does medical payments coverage do?
- Are rock chip repairs covered?
- Does my insurance cover damage caused when ticketed for reckless driving?
- Is my camper covered for physical damage?
If you’re not sure about those questions, you might consider talking to a licensed agent. If you want to speak to an agent in your area, take a second and complete this form.
Independent or exclusive insurance agents
Some consumers would rather get professional advice from a licensed agent and that can be a smart move The biggest benefit of comparing rate quotes online is the fact that drivers can get cheap auto insurance rates and still have a local agent.
To help locate an agent, after submitting this quick form, your insurance data is transmitted to insurance agents in Long Beach who will return price quotes and help you find cheaper coverage. You never need to visit any agencies because quoted prices will be sent to you. You can most likely find cheaper rates and work with a local agent. If you need to compare prices from a particular provider, feel free to visit that company’s website and submit a quote form there.
Choosing the best insurer should depend on more than just a low price. A good agent in Long Beach will have answers to these questions.
- Which insurance company do they prefer to write with?
- Will the agent help in case of a claim?
- How often do they review policy coverages?
- Will a damage claim use OEM or aftermarket replacement parts?
- Do they have designations such as AIC, CPCU, or CIC?
- How are they compensated?
- By raising physical damage deductibles, how much would you save?
- What are their preferred companies if they are an independent agency?
Pick the best auto insurance agent in Long Beach for you
If you want to buy auto insurance from a reputable agency, there are two types of insurance agents and how they are distinctly different. Agencies in Long Beach can either be exclusive or independent.
Exclusive Insurance Agencies
Exclusive agents work for only one company and examples are Allstate, State Farm and Farmers Insurance. They generally cannot provide prices from multiple companies so they really need to provide good service. Exclusive agencies are usually well trained on their company’s products which can be an advantage. Some people will only use the same agent mainly due to high brand loyalty and the convenience of having all coverages with one company.
The following is a list of exclusive insurance agencies in Long Beach that can give you comparison quotes.
- Ed Ratleff – State Farm Insurance Agent
1190 N Studebaker Rd f – Long Beach, CA 90815 – (562) 799-0291 – View Map - Farmers Insurance – Steven Gordon
1800 Palo Verde Ave d – Long Beach, CA 90815 – (562) 598-9500 – View Map - Allstate Insurance: Brenda Soto Bryan
4202 Atlantic Ave Ste 201 – Long Beach, CA 90807 – (562) 426-1752 – View Map
Independent Auto Insurance Agents
These agents do not write with just one company so they can write business with multiple insurance companies and find the cheapest rate. If you want to switch companies, they simply move the coverage in-house and you stay with the same agent.
When searching for an agent, you will definitely want to contact independent agents to get the most accurate price comparison. Most independent agents also contract with different regional companies who may have lower rates.
Below are independent agents in Long Beach willing to provide price quote information.
- Lara Insurance
6689 Downey Ave – Long Beach, CA 90805 – (562) 408-2800 – View Map - Integrity Now Insurance Brokers, Inc.
6285 E Spring St – Long Beach, CA 90808 – (562) 606-1030 – View Map - Amico Insurance Agency Inc.
100 Oceangate #1200 – Long Beach, CA 90802 – (877) 467-8799 – View Map
A little work can save a LOT of money
In this article, we covered a lot of ways to find cheap Mazda MX-5 Miata insurance in Long Beach. It’s most important to understand that the more times you quote, the more likely it is that you will get a better rate. You may even be surprised to find that the biggest savings come from a small mutual company.
A few companies may not offer online rate quotes and usually these small insurance companies prefer to sell through independent agencies. Budget-conscious Mazda MX-5 Miata insurance is available on the web and with local Long Beach insurance agents, so compare prices from both to have the best chance of lowering rates.
When trying to cut insurance costs, it’s very important that you do not buy lower coverage limits just to save a few bucks. There have been many situations where an insured cut physical damage coverage only to regret at claim time they didn’t purchase enough coverage. Your objective should be to find the BEST coverage for the lowest cost, not the least amount of coverage.
Additional resources
- Top Signs Your Brakes are Giving Out (State Farm)
- What Auto Insurance is Cheapest for Real Estate Agents in Long Beach? (FAQ)
- Who Has the Cheapest Auto Insurance Rates for a Toyota 4Runner in Long Beach? (FAQ)
- What Insurance is Cheapest for a Kia Optima in Long Beach? (FAQ)
- Older Driver Statistics (Insurance Information Institute)
- Choosing an Insurance Company (Insurance Information Institute)
- Neck Injury FAQ (iihs.org)