Compare Mazda RX-8 Insurance Quotes in Sacramento

Discount Mazda RX-8 insuranceLocating the cheapest insurance for your Mazda RX-8 in California can normally be an all-consuming task, but you can learn our insurance buying tips to save time. There are both good and bad ways to shop for insurance so you’re going to learn the quickest way to price shop coverage for your Mazda and find the lowest price either online or from Sacramento insurance agents.

It’s a good habit to price shop coverage quite often because insurance prices change quite often. Just because you had the lowest rates on Mazda RX-8 insurance in Sacramento a few years ago you can probably find a better rate quote now. Don’t believe everything you read about RX-8 insurance on the internet, but by reading this article, you’re going to learn a bunch of ideas how to save money.

Cheap companies for Mazda RX-8 insurance in California

The following companies provide price quotes in Sacramento, CA. If multiple companies are listed, we recommend you visit as many as you can in order to find the most affordable rates.

Analysis of Mazda RX-8 rates

The premium table shown below highlights estimates of policy rates for Mazda RX-8 models. Understanding more about how insurance policy premiums are established can help customers make smart buying decisions.

Mazda RX-8 Insurance Rates in Sacramento, CA
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
RX-8 Sport 4-Dr Coupe $458 $914 $574 $34 $172 $2,152 $179
RX-8 Grand Touring 4-Dr Coupe $458 $1052 $574 $34 $172 $2,290 $191
RX-8 R3 4-Dr Coupe $458 $1052 $574 $34 $172 $2,290 $191
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Prices based on single female driver age 40, no speeding tickets, no at-fault accidents, $100 deductibles, and California minimum liability limits. Discounts applied include multi-policy, homeowner, claim-free, safe-driver, and multi-vehicle. Rate quotes do not factor in specific zip code location which can affect insurance rates substantially.

Comparison of policy deductibles

One common question asked by Sacramento drivers is how high should the deductibles for physical damage be. The tables below can help illustrate the rate differences between low and high coverage deductibles. The first set of prices uses a $250 deductible for physical damage and the second price grid uses a $1,000 deductible.

Mazda RX-8 insurance policy rates with $250 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
RX-8 Sport 4-Dr Coupe $430 $678 $442 $26 $132 $1,733 $144
RX-8 Grand Touring 4-Dr Coupe $430 $780 $442 $26 $132 $1,835 $153
RX-8 R3 4-Dr Coupe $430 $780 $442 $26 $132 $1,835 $153
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Mazda RX-8 insurance policy rates with $1,000 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
RX-8 Sport 4-Dr Coupe $266 $426 $442 $26 $132 $1,292 $108
RX-8 Grand Touring 4-Dr Coupe $266 $490 $442 $26 $132 $1,356 $113
RX-8 R3 4-Dr Coupe $266 $490 $442 $26 $132 $1,356 $113
Get Your Own Custom Quote Go

Premium data assumes married male driver age 30, no speeding tickets, no at-fault accidents, and California minimum liability limits. Discounts applied include multi-vehicle, claim-free, multi-policy, safe-driver, and homeowner. Price estimates do not factor in Sacramento location which can decrease or increase prices considerably.

Based on these figures, using a $250 deductible will cost in the ballpark of $39 more each month or $468 each year than requesting the higher $1,000 deductible. Due to the fact that you would have to pay $750 more if you turn in a claim with a $1,000 deductible as compared to a $250 deductible, if you usually have at least 19 months between claim filings, you would more than likely save some money by going with a higher deductible. Here is an example of how you can come to your own conclusion.

Average monthly premium for $250 deductibles: $150
Average monthly premium for $1,000 deductibles (subtract): – $111
Monthly savings from raising deductible: $39
Difference between deductibles ($1,000 – $250): $750
Divide difference by monthly savings: $750 / $39
Number of months required between physical damage coverage claims in order to save money by choosing the higher deductible 19 months

An important sidenote is that raising deductibles to get cheaper rates results in more money out-of-pocket if you have a claim. It will be required that you have some funds available in the event you have to pay more for the deductible.

The chart below highlights how deductible selection and can raise or lower Mazda RX-8 premium costs for different age categories. The premium estimates are based on a married male driver, comprehensive and collision coverage, and no other discounts are factored in.

Insurance rates based on gender

The example below shows the difference between Mazda RX-8 insurance rates for male and female drivers. The premium estimates are based on no violations or claims, comprehensive and collision coverage, $250 deductibles, marital status is single, and no additional discounts are factored in.

Discounts can help lower rates on Mazda RX-8 insurance in Sacramento

Companies offering auto insurance do not list every discount available very clearly, so the list below gives a summary of both well-publicized as well as some of the hidden credits available to lower your premiums when you buy Sacramento auto insurance online.

Drivers should understand that many deductions do not apply to the entire cost. Most only apply to specific coverage prices like medical payments or collision. Even though it may seem like you can get free auto insurance, you’re out of luck.

The illustration below illustrates the difference between Mazda RX-8 insurance costs with and without policy discounts. The rates are based on a male driver, a clean driving record, no at-fault accidents, California state minimum liability limits, comprehensive and collision coverage, and $1,000 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with multi-car, claim-free, homeowner, marriage, multi-policy, and safe-driver discounts applied.

To view companies that offer multiple discounts in Sacramento, click this link.

Insurance quotes from local Sacramento insurance agents

Some people would rather buy from a local agent and we recommend doing that Licensed agents can help you choose the best coverages and help submit paperwork. An additional benefit of price shopping on the web is the fact that you can find cheap rate quotes and also buy local.

Find insurance agent in SacramentoAfter completing this short form, your coverage information is sent to local insurance agents who will gladly provide quotes for your insurance coverage. You don’t have to search for an agent due to the fact that quote results will go instantly to you. If you need to get a comparison quote from a particular provider, feel free to go to their quote page to submit a rate quote request.

Selecting an company should include more criteria than just the quoted price. Any good agent in Sacramento should know the answers to these questions.

If you prefer to buy insurance from local Sacramento agents, you need to know there are two types of insurance agents and how they function. Insurance agencies can be categorized as either independent agents or exclusive agents depending on their employer. Both can write policy coverage, but it’s good to learn the difference in how they write coverage because it may have an impact on the kind of agent you use.

Exclusive Insurance Agencies

These agents are contracted to one company such as State Farm or Allstate. Exclusive agents are unable to compare other company’s rates so they are skilled at selling on more than just price. Exclusive insurance agents are usually well trained on sales techniques which helps them compete with independent agents. Many people buy insurance from these agents mostly because of high brand loyalty rather than having low rates.

Shown below are exclusive insurance agents in Sacramento that are able to give comparison quotes.

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Independent Insurance Agencies

Agents that elect to be independent do not sell for just one brand and that is an advantage because they can write policies through many companies and find the cheapest rate. If they quote lower rates, they can switch companies in-house which requires no work on your part.

When comparison shopping, you should always compare prices from at a minimum one independent agency so that you can do a thorough price comparison. Most also write with mutual insurance companies which may provide better rates.

The following is a short list of independent agencies in Sacramento who can help you get rate quotes.

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Cheaper auto insurance is a realistic goal

As you go through the steps to switch your coverage, make sure you don’t skimp on critical coverages to save a buck or two. There have been many situations where an accident victim reduced physical damage coverage only to regret they didn’t have enough coverage. Your goal should be to purchase a proper amount of coverage at the best price, but don’t skip important coverages to save money.

Lower-priced auto insurance in Sacramento is available on the web and also from your neighborhood Sacramento agents, and you need to price shop both in order to have the best price selection to choose from. Some insurance companies do not offer rates over the internet and most of the time these smaller companies sell through independent insurance agents.

You just learned a lot of techniques to get a better price on Mazda RX-8 insurance in Sacramento. The most important thing to understand is the more price quotes you have, the higher the chance of saving money. You may even discover the lowest priced auto insurance comes from a small mutual company.

Steps to buying cheaper Mazda RX-8 insurance in Sacramento

The best way to get more affordable car insurance rates in Sacramento is to compare prices once a year from different companies in California.

One thing to point out is to try to compare the same liability limits and deductibles on every price quote and and to get rates from as many car insurance companies as possible. This provides an accurate price comparison and a thorough selection of prices.

Much more information about auto insurance in California can be found below: