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Old 01-03-2007, 12:51 AM   #1
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Default how do you guys with "daily drivers" insure your maitas?

I am about to get my daily driver running again and progressive will save me $1180 per year, but just as a secondary vehical. How do you guys over 25 insure your miatas?
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Old 01-03-2007, 12:54 AM   #2
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Get specialty agreed upon value insurance. I'm with AllState with the non motorcycle vehicles now, but they really bent over backwards to match the rate from Sneed Insurance. Check them out. They quoted me less than $200/yr for full coverage, low deductible, and high limits. And the agreed upon value IIRC was $7500. Also see if Haggerty will insure a Miata. They've been super cheap with my old cars. Both Sneed and Haggerty made me prove that I had an insured daily driver and submit pics to validate condition.
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Old 01-03-2007, 12:55 AM   #3
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I've got 2 Miatas and drive both equally so I have both on full coverage; I'll probably drop the 97 down in coverage after the winter since the value is dropping on it and isn't worth full coverage any longer.
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Old 01-03-2007, 01:07 AM   #4
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Get specialty agreed upon value insurance. I'm with AllState with the non motorcycle vehicles now, but they really bent over backwards to match the rate from Sneed Insurance. Check them out. They quoted me less than $200/yr for full coverage, low deductible, and high limits. And the agreed upon value IIRC was $7500. Also see if Haggerty will insure a Miata. They've been super cheap with my old cars. Both Sneed and Haggerty made me prove that I had an insured daily driver and submit pics to validate condition.

awesome. I thought haggerty would only provide coverage on cars at $15k or more though. Right now state farm is ******* me at $100 on each car, each month with a clean record in all respects.

I want full coverage on both, and I'll be worried about theft when there's and intercooler hanging out the front.
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Old 01-03-2007, 01:32 AM   #5
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whoa the online sneed quote is only $160 per year!!!!
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Old 01-03-2007, 01:36 AM   #6
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whoa the online sneed quote is only $160 per year!!!!
Yeah, I wasn't bullshitting. They may even call you tomorrow to follow up. Their application will ask for a list of all mods, power output, and an agreed upon value. You'll have to submit pics of all sides, interior, engine, and top. It's a little extra work, but you save mad bank.

Beers are on you when you're in town.
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Old 01-03-2007, 01:40 AM   #7
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Yeah, I wasn't bullshitting. They may even call you tomorrow to follow up. Their application will ask for a list of all mods, power output, and an agreed upon value. You'll have to submit pics of all sides, interior, engine, and top. It's a little extra work, but you save mad bank.

Beers are on you when you're in town.
yeah...especially considering that I just parlayed at 6x monelines on usc, bsu, and ul!!!
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Old 01-03-2007, 09:12 AM   #8
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Good thread. I should be getting my car today or tomorrow and I was disappointed in the added cost for me and I love my insurance company. I might have to check Sneed out.

Frank
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Old 01-03-2007, 09:35 AM   #9
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I was primary on the miata for the longest time....cheaper than my 2000 altima.
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Old 01-03-2007, 10:58 AM   #10
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hey what's this "model year 2000 or older" BS on sneed's website?

haha
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Old 01-03-2007, 09:36 PM   #11
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I have full coverage on four vehicles.

1991 Miata
2002 Impreza WRX
2004 Mazda6
2006 Nissan Titan

The 6 and the Titan have gap insurance.

Roughly $1900 per year.
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Old 01-04-2007, 05:07 AM   #12
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Who's got the best deal on agreed-value insurance? I'm about to put a $2000 suspension on a car I paid $4000 for, so I figured it might be time to think about upgrading my policy to what it would actually cost to replace the car, instead of the tiddly-winks that AAA would give me.
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Old 01-04-2007, 09:21 AM   #13
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Damnit I need to turn 25.. my insurance sucks!
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Old 01-04-2007, 12:28 PM   #14
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Damnit I need to turn 25.. my insurance sucks!
my insurance didn't change when i hit 25
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Old 01-04-2007, 01:57 PM   #15
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Does Sneed care about roll bars? I seem to remember some companies won't insure you if you have one, can't remember if they are one of them or not.

I've been meaning to address this issue. Nationwide has the miata listed as a "pleasure" car and it is still expensive.
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Old 01-04-2007, 04:00 PM   #16
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Not sure about the roll bar. I think I drive the miata more than 5000 miles per year...I wonder if Sneed is actually going to check that?
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Old 01-04-2007, 05:07 PM   #17
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I ddidn't have money to get full coverage on the 99 miata and until now i had no fault only - sucks in michigan though because you don;t get anything if you get hit, maybe $500 (mini tort??). payed for that 1400 a year. I'm trying to find a cheaper place to get full coverage for the same price.

forgot to mention. I'm 18 and no tickets on my record. just a no fault collision.

Last edited by Dhaark; 01-04-2007 at 06:06 PM.
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Old 01-04-2007, 09:54 PM   #18
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I got three (3) tickets this last year. We have USAA Insurance, and pay $233 a month for a Toyota 4x4 Truck, Miata Turbo, Mercedes-Benz SLK, Yamaha R6 (Bike), and a Kawasaki Ninja (bike).
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Old 01-04-2007, 09:58 PM   #19
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Quote:
Originally Posted by GTS Miata View Post
Does Sneed care about roll bars? I seem to remember some companies won't insure you if you have one, can't remember if they are one of them or not.

I've been meaning to address this issue. Nationwide has the miata listed as a "pleasure" car and it is still expensive.
They shouldn't care about the roll bar. They just don't insure "track cars". My car has a roll bar, and it wasn't a problem. Please, no one point out the difference between a roll bar and a style bar. We all know. <edit> My car has a STYLE bar, not a roll bar. </edit>

GTS, I see you're in Athens. We're putting together a dyno day in Suwanee, about 45 minutes or so away from you. Should be sometime at the end of the month.

Last edited by Ben; 01-04-2007 at 11:45 PM.
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Old 01-04-2007, 11:16 PM   #20
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I have my miata listed as my "primary" car and my IS300 as my secondary.. saves me a TON.
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