Miata Mailing List: September 1992, Message #35
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   From: (none)
Subject: insurance
   Date: (none)

In both Colorado (where I now live) and Texas (where I lived when
I bought the car), the Miata is considered a sports car, but I can't
really tell what that means, since the cost for comprehensive coverage
on the Miata is only about 30% more than liability on my 77 dodge colt
beatercar.  My last insurance agent told me that the rates for a car
were determined in a large part by the average demographics of the
ownership (did that make sense?).  Since the Miata is more popular
with college grads, middle aged (damn, do I fit that category already?)
folks, and women, it will be less expensive to insure than other
vehicles, especially the rice-rockets from Dodge/Mitsubishi
and the American hotrods, which are quite popular with a less mature
group of drivers ;) (i. e. high-school students and recent h.s. grads).
Currently, I think I pay about $600 per year for comprehensive on the
Miata, $500 per year for comprehesive on a 87 Jeep truck, and $400
per year for liability on a 77 dodge colt.  The Miata is covered as
a pleasure vehicle.
Hope this helps.:

Steve Grossman
Software Engineer
Storage Technology Corp.