Miata Mailing List: April 1994, Message #136
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   From: buck@claude.ma30.bull.com (Kenneth J. Buck)
Subject: Miata Car Insurance
   Date: Thu, 7 Apr 1994 14:11:22 -0400

> From: GOZUMM@JEFLIN.TJU.EDU
> Subject: Miata Car Insurance
> 
> yes but compared to your comprehensive rates, I feel like passing out.
> My Miata gets almost the same insurance as my Honda civic when new ..
> but I pay $1200 !!! a year.
> ANyone out there can make comparisons ?
> I'm in NY City, NY.

as others have mentioned, where you live makes a big difference
in rates, both in terms of perceived risks (theft, accidents, etc.)
and insurance regulation (states like Massachusetts where the rates
are set on a statewide basis).

FWIW, i'm paying about $1050 this year, living in a relatively calm
place in MA near the NH state line; this is at least $200/year cheaper
than when i lived 5 miles away in Lowell (Lowell is NOT a good place
to be if you're worried about car theft!).  i also have some
fairly high ($500) deductibles on the assumption that i can afford to
self-insure myself a bit.  this all includes a
discount of about $350 because they think i'm a good driver (i.e.,
no recent speeding tickets - if i got a speeding ticket, they'd
instantly consider me a careless bum for the next 7 years and
probably charge me double, but i sense that blood pressure meter
going up fast, so i better change the subject... *whew!*)

--                                             
Ken Buck                                          /|
Internet: k.buck@ma30.bull.com                \'o.O'    ACK!
Mail:     Bull, MA30-833A                     =(___)= THPTPHH!
          300 Concord Rd, Billerica, MA 01821    U