Vehicles > Mazda > RX-8

Mazda RX-8 Insurance Cost

Finding cheaper auto insurance by comparing rates online is simple to do, plus you will probably save money. The critical component is to get as many rate quotes as possible so you can get the lowest rate quotes.

Finding the best direct price on auto insurance can be difficult if you have never used online quoting. But don't let that discourage you because there is an easy way to compare rates. Lowering your Mazda RX-8 insurance rates can be quick and easy. You just need to take a few minutes comparing rates online with multiple companies. It is quite easy and can be accomplished by completing this short form.

Premiums are calculated by...

Insurance rates for a Mazda RX-8 can fluctuate considerably subject to many criteria. Including but not limited to:

  • Traffic citations increase rates
  • Credit rating impacts rates
  • Men typically pay more than women
  • Low deductibles cost more
  • Crash test rating for your RX-8
  • No claims lowers premiums
  • Having continuous coverage saves you money
  • Home ownership saves money

One last important factor which can affect the rate you pay on your Mazda is the year of manufacture. New vehicles have a higher actual cash value so the payout to repair may result in higher rates. Although more recent Mazda vehicles may have options included like a backup camera, automatic crash notification, pedestrian detection, and blind-spot warning system which may give discounted rates.

To get a better understanding how rates are influenced for your specific model year, select the year of your vehicle from the list below.

Auto liability insurance

Mazda RX-8 liability coverage will cover damage or injury you incur to other people or property that is your fault. Liability can pay for claims like pain and suffering, repair costs for stationary objects, and legal defense fees. This coverage is usually fairly inexpensive so purchase as high a limit as you can afford.

Collision insurance

This will pay to fix damage to your Mazda caused by collision with a stationary object or other vehicle. A deductible applies and the rest of the damage will be paid by collision coverage. Mazda RX-8 collision insurance is rather expensive coverage, so consider removing coverage from vehicles that are 8 years or older. It's also possible to choose a higher deductible in order to get cheaper Mazda RX-8 insurance cost.

Comprehensive insurance

Comprehensive insurance pays to fix your vehicle from 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 most your auto insurance company will pay is the market value of your vehicle, so if the vehicle's value is low it's not worth carrying full coverage.

Uninsured/Underinsured Motorist (UM/UIM)

Uninsured or Underinsured Motorist coverage protects you and your vehicle from other motorists when they are uninsured or don't have enough coverage. Since a lot of drivers have only the minimum liability required by law, their limits can quickly be used up. This is the reason having UM/UIM coverage should not be overlooked.

Med pay and Personal Injury Protection (PIP)

Personal Injury Protection (PIP) and medical payments coverage reimburse you for immediate expenses for things like EMT expenses, pain medications, and nursing services. They are used to fill the gap from your health insurance program or if you are not covered by health insurance. Personal injury protection coverage is only offered in select states but it provides additional coverages not offered by medical payments coverage.

How Much are Mazda RX-8 Insurance Rates?