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Needing real-world insurance rates for Miata

3 messages,  Last post on Aug 27, 2008 at 7:46 AM

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What is this discussion about? Mazda MX-5 Miata, Toyota Camry Solara, Volkswagen New Beetle, Buying Insurance, Convertible

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#1 of 3 Needing real-world insurance rates for Miata by nativetexan Aug 21, 2008 (8:51 pm)
I've done a ton of research to find the right used car for my 18-yr old. On iihs.org, convertibles of all makes are rated as LOWER losses than most others, generally.   It challenges common sense to see that a Civic coupe costs more to insure than a convertible of any make (Beetle, Solara, Sebring, etc.), but I swear it's right there in black and white on iihs.org, to which many major insurers contribute. What's the catch?    I'm focusing on the Miata because the cars I've seen have a roll-bar behind the seats, which in my simple mind seems to make it safer (don't know if this is a standard feature or not).   Insurance is one of the highest costs of ownership. Do these lower insurance rates hold true? Replies to this message: rpm (Aug 22, 2008 7:03 am) ateixeira (Aug 27, 2008 7:46 am)
#2 of 3 Re: Needing real-world insurance rates for Miata [nativetexan] by rpm Aug 22, 2008 (7:03 am)
Replying to: nativetexan (Aug 21, 2008 8:51 pm) this is just a guess on my part, but I would think that the bulk of the insurance premium would come from 2 areas that aren't strongly tied to the safety of the car:   1. liability. relates more to age, sex, and driving record that it does to the vehicle type.   2. theft history for that model. Replies to this message: ateixeira (Aug 27, 2008 7:46 am)
#3 of 3 Re: Needing real-world insurance rates for Miata [rpm] by ateixeira Aug 27, 2008 (7:46 am)
Replying to: rpm (Aug 22, 2008 7:03 am) Bingo, and Civics are stolen quite often, which would explain the high rates.   Also, a Miata is only a 2 seater, so there is only up to one passenger on board to distract the driver, while the Civic coupe may have up to 4.

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