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Needing real-world insurance rates for Miata

5 messages,  Last post on Aug 27, 2008 at 8:46 AM

You are in the Mazda Miata Forum.

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

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#1 of 5 Needing real-world insurance rates for Miata by nativetexan

Aug 21, 2008 (9:51 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?

#2 of 5 Re: Needing real-world insurance rates for Miata [nativetexan] by rpm

Aug 22, 2008 (8:03 am)

Replying to: nativetexan (Aug 21, 2008 9:51 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.

#3 of 5 Re: Needing real-world insurance rates for Miata [rpm] by ateixeira

Aug 27, 2008 (8:46 am)

Replying to: rpm (Aug 22, 2008 8:03 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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