Lower Your 2011 Mazda RX-8 Insurance Quotes

Finding low-cost insurance for a Mazda RX-8 can turn out to be a lot of work, but you can learn these tips to make it easier.

There are both good and bad ways to shop for insurance and we’ll show you the quickest way to compare rates for a Mazda and get the cheapest rates either online or from local insurance agents.

Auto insurance policy discounts

Some companies don’t necessarily list every possible discount very clearly, so the following list contains both the well known and the more hidden credits that may apply to you.

  • Switch and Save Discount – A few companies allow discounts for renewing your policy before your current policy expires. It’s a savings of about 10%.
  • Policy Bundle Discount – If you can bundle your home and auto insurance with the same insurance company you could save approximately 10% to 15%.
  • Smart Student Discounts – Being a good student can earn a discount of 20% or more. You can use this discount normally until age 25.
  • Government Employees – Active or former government employment can earn a discount up to 10% on RX-8 insurance with some auto insurance companies.
  • Senior Citizen Rates – Drivers over the age of 55 can possibly qualify for a small decrease in premiums on RX-8 insurance.
  • Low Mileage Discounts – Low mileage vehicles may enable drivers to earn lower rates on the low mileage vehicles.

We need to note that some of the credits will not apply the the whole policy. Most only apply to the price of certain insurance coverages like medical payments or collision. If you do the math and it seems like it’s possible to get free car insurance, that’s just not realistic.

A few popular companies and their possible discounts are detailed below.

  • State Farm policyholders can earn discounts including defensive driving training, student away at school, passive restraint, anti-theft, and good driver.
  • Esurance has discounts for multi-policy, Pac-12 alumni, renters, paid-in-full, and online quote.
  • Progressive offers discounts for multi-policy, good student, online signing, multi-vehicle, homeowner, and online quote discount.
  • Liberty Mutual discounts include preferred payment discount, newly married, safety features, new graduate, multi-car, and new move discount.
  • Auto-Owners Insurance may have discounts that include paid in full, mature driver, group or association, safe vehicle, air bags, and student away at school.
  • Geico offers premium reductions for federal employee, multi-policy, emergency military deployment, good student, and multi-vehicle.

When getting a coverage quote, ask all companies you are considering how many discounts you can get. Some discounts listed above may not apply in your area. To view insurers with discount auto insurance rates, click here to view.

How to lower your auto insurance cost

Shopping for lower auto insurance rates can take time and effort if you aren’t aware of the easiest way. You could waste time driving to agents in your area, or you could save time and use online quotes for quick rates.

Most of the best insurance companies are enrolled in a marketplace where prospective buyers enter their coverage request one time, and at least one company can provide price quotes based on the submitted data. This prevents consumers from doing quote requests to each company. To compare rates now click here (opens in new window).

The one downside to using this type of form is buyers cannot specifically choose which companies to get quotes from. If you would rather choose from a list of companies to compare prices, we have a page of companies who write auto insurance in your area. View list of insurance companies.

Take whichever approach you prefer, but ensure you are comparing exactly the same coverages with every price quote. If you are comparing higher or lower deductibles it will be nearly impossible to decipher which rate is best.

How do I know if I need professional advice?

When it comes to choosing adequate coverage, there isn’t really a one size fits all plan. Every insured’s situation is different.

For instance, these questions can help discover if you may require specific advice.

  • What is the rate difference between pleasure use and commuting?
  • Does my policy pay for OEM or aftermarket parts?
  • What is high-risk coverage and where do I buy it?
  • Can I still get insurance after a DUI?
  • How high should my medical payments coverage be?
  • Do I have any recourse if my insurance company denies a claim?
  • Do I need to file an SR-22 for a DUI in my state?
  • Am I covered when driving on a suspended license?
  • Am I covered when driving someone else’s vehicle?

If it’s difficult to answer those questions then you might want to talk to an agent. To find lower rates from a local agent, complete this form. It’s fast, doesn’t cost anything and can help protect your family.

Insurance coverage options for a 2011 Mazda RX-8

Having a good grasp of insurance can help you determine the right coverages at the best deductibles and correct limits. Policy terminology can be confusing and even agents have difficulty translating policy wording.

Liability auto insurance – Liability coverage can cover damages or injuries you inflict on a person or their property in an accident. This insurance protects YOU against other people’s claims. It does not cover damage sustained by your vehicle in an accident.

It consists of three limits, bodily injury per person, bodily injury per accident and property damage. Your policy might show values of 50/100/50 that translate to $50,000 in coverage for each person’s injuries, a per accident bodily injury limit of $100,000, and property damage coverage for $50,000. Some companies may use a combined limit which combines the three limits into one amount and claims can be made without the split limit restrictions.

Liability can pay for things like court costs, structural damage, medical expenses and funeral expenses. How much liability coverage do you need? That is a decision to put some thought into, but you should buy higher limits if possible.

Comprehensive insurance – This covers damage caused by mother nature, theft, vandalism and other events. You first must pay your deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage pays for claims like a tree branch falling on your vehicle, rock chips in glass and vandalism. The highest amount your insurance company will pay is the cash value of the vehicle, so if the vehicle’s value is low it’s not worth carrying full coverage.

Coverage for uninsured or underinsured drivers – Uninsured or Underinsured Motorist coverage protects you and your vehicle’s occupants when other motorists either have no liability insurance or not enough. It can pay for injuries to you and your family as well as your vehicle’s damage.

Since a lot of drivers only purchase the least amount of liability that is required, their liability coverage can quickly be exhausted. This is the reason having UM/UIM coverage is important protection for you and your family. Frequently these coverages are similar to your liability insurance amounts.

Collision coverage – This pays to fix your vehicle from damage resulting from colliding with another car or object. You have to pay a deductible and the rest of the damage will be paid by collision coverage.

Collision coverage protects against things such as backing into a parked car, sustaining damage from a pot hole, colliding with another moving vehicle, colliding with a tree and sideswiping another vehicle. Collision is rather expensive coverage, so consider dropping it from vehicles that are older. It’s also possible to raise the deductible to bring the cost down.

Coverage for medical expenses – Med pay and PIP coverage pay for expenses for things like doctor visits, chiropractic care, hospital visits, dental work and EMT expenses. They can be used to fill the gap from your health insurance policy or if there is no health insurance coverage. Medical payments and PIP cover you and your occupants and also covers any family member struck as a pedestrian. Personal Injury Protection is not available in all states but can be used in place of medical payments coverage

A penny earned…

In this article, we presented many ideas to lower your 2011 Mazda RX-8 insurance prices. The key thing to remember is the more times you quote, the higher your chance of finding the cheapest insurance coverage. You may even discover the lowest prices are with the least-expected company.

When getting insurance coverage quotes online, it’s a bad idea to buy less coverage just to save a little money. Too many times, an insured cut physical damage coverage only to find out that they should have had better coverage. The aim is to get the best coverage possible at an affordable rate while still protecting your assets.

Lower-priced 2011 Mazda RX-8 insurance is available both online in addition to local insurance agencies, so you need to shop insurance coverage with both in order to have the best chance of saving money. There are still a few companies who may not provide the ability to get quotes online and usually these smaller providers provide coverage only through independent insurance agencies.

More tips and info about auto insurance is available by following these links: