Vehicles > Mazda > RX-8

Mazda RX-8 Insurance Rates

Buying car insurance by getting online quotes saves time, is easy to do and at the same time you can save money. The key to finding lower rates is to get rates from all providers so you can get the cheapest rate quotes.

Shopping online for car insurance is challenging if you are a beginner to online quoting. But relax because it's actually quite easy. There are several ways to get quotes and find the best price. The recommended way to find competitive Mazda RX-8 insurance cost is to get quotes online. It is quite easy and can be accomplished by completing this short form.

What factors determine Mazda RX-8 insurance quotes?

Car insurance premiums paid to insure a Mazda RX-8 can fluctuate considerably and are calculated by many factors. Taken into consideration are:

  • Tickets increase premiums
  • Credit rating impacts rates
  • Men typically pay more than women
  • Low deductibles cost more
  • Your vehicle's safety rating
  • Your occupation
  • Insurance coverage level
  • Whether you rent or own your home

An additional factor that helps determine Mazda RX-8 insurance rates is the year of the vehicle. Older models have a reduced actual cash value than newer models so the costs to repair may end up costing you less. Although more recent Mazda vehicles may have safety features included like anti-lock brakes, adaptive headlights, and adaptive cruise control 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 available model years below.

Liability - This will cover damages or injuries you inflict on a person or their property in an accident. Liability can pay for things such as emergency aid, pain and suffering, and medical services. It is cheap coverage so you should buy as high a limit as you can afford.

Collision coverage - Collision insurance will pay to fix damage to your Mazda from colliding with an object or car. A deductible applies then the remaining damage will be paid by your insurance company. This coverage can be expensive, so analyze the benefit of dropping coverage from older vehicles. It's also possible to raise the deductible in order to get cheaper Mazda RX-8 insurance rates.

Comprehensive or Other Than Collision - This pays to fix your vehicle from damage that is not covered by collision coverage. You first must pay your deductible and then insurance will cover the rest of the damage. The most you can receive from a comprehensive claim is the cash value of the vehicle, so if the vehicle's value is low it's not worth carrying full coverage.

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

Medical costs insurance - Personal Injury Protection (PIP) and medical payments coverage kick in for expenses such as doctor visits, EMT expenses, and X-ray expenses. They are used to cover expenses not covered by your health insurance program or if you are not covered by health insurance. PIP 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?