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Mazda RX-8 Insurance Cost

Drivers have lots of options when shopping for car insurance for your Mazda vehicle. You can either contact your neighborhood insurance agent or price shop online to compare insurance costs of companies. Shopping for auto insurance by quoting online is simple to do, plus you will probably save money.

Comparing auto insurance rates direct online can be difficult if you have never used online rate quotes. But don't be discouraged because there is an easy way to compare rates. Lowering your Mazda RX-8 insurance rates is a fairly straight forward process. You just need to take a few minutes comparing rates online with multiple companies. This is very easy and can be done by getting a quick quote here.

Car insurance rates influenced by these things

Insurance rates on a Mazda RX-8 will vary greatly subject to many criteria. Including but not limited to:

  • More performance equals higher cost
  • Your accident history
  • Whether you insure your home with the same company
  • Pleasure use vs. commuting use
  • Add-on coverages such as rental reimbursement
  • No claims lowers premiums
  • Maintaining coverage lowers rates
  • Home ownership saves money

One last important factor that will help determine the rate you pay on your Mazda is the year of manufacture. Models that are new have a higher replacement value so the payout to repair will push premiums up. But new Mazda models may have options including lane departure warning system, anti-lock brakes, and adaptive headlights so those may help offset higher rates.

To get more specific information about how much rates will be for your vehicle, select the year of your RX-8 from the list below.

Liability coverages

Mazda RX-8 liability coverage provides protection from damage or injury you incur to people or other property by causing an accident. Liability insurance covers claims like pain and suffering, repair costs for stationary objects, and legal defense fees. This coverage is usually fairly inexpensive so purchase as much as you can afford.

Collision insurance

Collision coverage pays to fix your vehicle from damage resulting from a collision with a stationary object or other vehicle. You have to pay a deductible and the rest of the damage will be paid by collision coverage. Collision coverage for your Mazda RX-8 can be pricey, so consider removing coverage from vehicles that are 8 years or older. Drivers also have the option to choose a higher deductible to save money on collision insurance.

Comprehensive coverages

This coverage covers damage from a wide range of events other than collision. You need to pay your deductible first then the remaining damage will be covered by your comprehensive coverage. The maximum amount your auto insurance company will pay is the market value of your vehicle, so if your deductible is as high as the vehicle's value consider removing comprehensive coverage.

Uninsured/Underinsured Motorist (UM/UIM)

Uninsured or Underinsured Motorist coverage provides protection when the "other guys" either have no liability insurance or not enough. Due to the fact that many drivers carry very low liability coverage limits, it only takes a small accident to exceed their coverage. For this reason, having high UM/UIM coverages is important protection for you and your family.

Coverage for medical payments

Medical payments and Personal Injury Protection insurance reimburse you for immediate expenses for things like EMT expenses, pain medications, and nursing services. They can be used in conjunction with a health insurance plan or if there is no health insurance coverage. Personal injury protection coverage is not universally available and may carry a deductible.

How Much are Mazda RX-8 Insurance Rates?