Cheapest Quotes for Mazda RX-8 Insurance in Lincoln

If you want to find the absolute lowest rates, then the best way to save money on Mazda RX-8 insurance in Lincoln is to begin comparing prices regularly from insurance carriers that sell auto insurance in Nebraska. You can shop around by following these guidelines.

The critical component of shopping around is to use the same liability limits and deductibles on each price quote and to quote with as many different insurance providers as possible. This guarantees a level playing field and maximum price selection.

Discount Mazda RX-8 insuranceUnbelievably, nearly 70% of drivers have remained with the same insurance company for more than four years, and almost half have never quoted rates to find cheap coverage. Many drivers in Nebraska could cut their rates by up to 30% a year just by comparing rates, but they feel it’s too difficult to compare rates.

To find more affordable quotes, there are a couple of ways to get quotes from different Lincoln insurance companies. The easiest way by far to find cheaper Mazda RX-8 rates consists of obtaining rate quotes online.

It’s so fast and easy to compare price quotes online that it takes the place of having to drive to and from local Lincoln insurance agencies. The internet has made agencies unnecessary unless you’re the type of person who wants the extra assistance that only a licensed agent can provide. If you prefer, some companies allow you to get prices online and have a local agent actually service the policy.

Just keep in mind that comparing all the rates in your area increases your odds of finding more affordable insurance. Some companies don’t provide online Lincoln RX-8 insurance quotes, so it’s important to also get quotes from those companies as well.

The following companies can provide quotes in Lincoln, NE. If multiple companies are listed, we suggest you visit two to three different companies to get a more complete price comparison.

Why you need auto insurance

Even though Lincoln RX-8 insurance rates can get expensive, insurance is mandatory in Nebraska but it also protects more than you think.

First, most states have compulsory liability insurance requirements which means you are required to buy a specific level of liability protection if you don’t want to risk a ticket. In Nebraska these limits are 25/50/25 which means you must have $25,000 of bodily injury coverage per person, $50,000 of bodily injury coverage per accident, and $25,000 of property damage coverage.

Second, if you bought your car with a loan, it’s most likely the lender will have a requirement that you buy full coverage to ensure the loan is repaid in case of a total loss. If you cancel or allow the policy to lapse, the bank will be required to insure your Mazda at a more expensive rate and require you to fork over much more than you were paying before.

Third, auto insurance protects both your assets and your Mazda. It will also pay for medical transport and hospital expenses for both you and anyone you injure as the result of an accident. One of the most valuable coverages, liability insurance, also covers all legal expenses up to the policy limit if you are named as a defendant in an auto accident. If mother nature or an accident damages your car, comprehensive and/or collision insurance will pay all costs to repair after the deductible has been paid.

The benefits of buying enough insurance more than offset the price you pay, specifically if you ever have a liability claim. Despite what companies tell you, the average driver is overpaying more than $700 annually so you should quote rates every year to save money.

Insurance coverage details

The table shown next showcases different coverage prices for Mazda RX-8 models. Knowing how policy rates are determined is important for drivers to make informed decisions when comparing rate quotes.

Mazda RX-8 Insurance Rates in Lincoln, NE
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
RX-8 Sport 4-Dr Coupe $296 $506 $308 $18 $92 $1,220 $102
RX-8 Grand Touring 4-Dr Coupe $296 $582 $308 $18 $92 $1,296 $108
RX-8 R3 4-Dr Coupe $296 $582 $308 $18 $92 $1,296 $108
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Data based on married male driver age 40, no speeding tickets, no at-fault accidents, $100 deductibles, and Nebraska minimum liability limits. Discounts applied include multi-vehicle, safe-driver, multi-policy, claim-free, and homeowner. Price estimates do not factor in vehicle garaging location which can influence premium rates noticeably.

Rate comparison for different deductibles

When shopping for car insurance, a common question is where should you set your physical damage deductibles. The comparison tables below sum up the differences in price between low and high comp and collision deductibles. The first rate table uses a $100 deductible for comprehensive and collision coverage and the second price grid uses a $500 deductible.

Mazda RX-8 insurance prices with $100 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
RX-8 Sport 4-Dr Coupe $324 $548 $300 $18 $90 $1,305 $109
RX-8 Grand Touring 4-Dr Coupe $324 $632 $300 $18 $90 $1,389 $116
RX-8 R3 4-Dr Coupe $324 $632 $300 $18 $90 $1,389 $116
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Mazda RX-8 insurance prices with $500 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
RX-8 Sport 4-Dr Coupe $236 $370 $300 $18 $90 $1,014 $85
RX-8 Grand Touring 4-Dr Coupe $236 $428 $300 $18 $90 $1,072 $89
RX-8 R3 4-Dr Coupe $236 $428 $300 $18 $90 $1,072 $89
Get Your Own Custom Quote Go

Data based on married male driver age 30, no speeding tickets, no at-fault accidents, and Nebraska minimum liability limits. Discounts applied include homeowner, multi-policy, claim-free, multi-vehicle, and safe-driver. Premium amounts do not factor in specific Lincoln garaging location which can decrease or increase price quotes noticeably.

Based on the above data, using a $100 deductible would cost the average driver about $26 more each month or $312 every year averaged for all RX-8 models than opting for the higher $500 deductible. Since you would pay $400 more to file a claim with a $500 deductible as compared to a $100 deductible, if you tend to go at least 15 months between claim filings, you would most likely save money if you opt for a higher deductible.

The illustration below demonstrates how choosing different deductibles and can influence Mazda RX-8 insurance rates for each age group. The premiums are based on a married male driver, comprehensive and collision coverage, and no policy discounts are applied.

Discounts can help save money on Mazda RX-8 insurance in Lincoln

Car insurance can cost a lot, but there may be some discounts that you may not even know about. Some trigger automatically at the time of purchase, but some may not be applied and must be asked for before being credited.Discount insurance

It’s important to note that most discounts do not apply to the entire cost. Most only apply to specific coverage prices like liability, collision or medical payments. Just because you may think adding up those discounts means a free policy, companies don’t profit that way. But all discounts will cut your premiums.

The chart below illustrates the difference between Mazda RX-8 insurance costs with and without discounts. The rate quotes are based on a female driver, a clean driving record, no claims, Nebraska state minimum liability limits, comp and collision included, and $1,000 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with marriage, claim-free, multi-policy, safe-driver, homeowner, and multi-car discounts applied.

Large insurance companies and some of the discounts can be read below.

Before purchasing a policy, check with every insurance company which discounts you may be entitled to. A few discounts may not apply to policies everywhere. To see a list of providers with discount insurance rates in Nebraska, click here to view.

Different people need different auto insurance coverages

When quoting and choosing insurance from an agent or online for your vehicles, there isn’t really a one size fits all plan. Your situation is unique.Auto insurance savings

These are some specific questions may help highlight if your insurance needs might need an agent’s assistance.

If you don’t know the answers to these questions but one or more may apply to you, you may need to chat with an agent. To find an agent in your area, simply complete this short form.

Nebraska car insurance company ratings

Selecting the top car insurance provider can be challenging considering how many choices drivers have in Nebraska. The company ratings listed below can help you choose which auto insurers you want to consider when shopping around.

Top 10 Lincoln Car Insurance Companies Ranked by Customer Service

  1. State Farm
  2. Nationwide
  3. Safeco Insurance
  4. American Family
  5. Travelers
  6. Liberty Mutual
  7. GEICO
  8. Allstate
  9. The Hartford
  10. Farmers Insurance

Top 10 Lincoln Car Insurance Companies by A.M. Best Rank

  1. USAA – A++
  2. Travelers – A++
  3. State Farm – A++
  4. GEICO – A++
  5. Nationwide – A+
  6. Esurance – A+
  7. The Hartford – A+
  8. Progressive – A+
  9. Allstate – A+
  10. The General – A-