Mazda RX-8 Insurance Rates in Seattle

Feeling guilty for buying an underperforming, overpriced auto insurance policy? Don’t sweat it because there are lots of Seattle residents who feel the same.

Inconceivable but true, a large majority of auto insurance policyholders kept their coverage with the same auto insurance company for well over three years, and just short of a majority have never taken the time to shop around. Many consumers in Seattle could save themselves as much as $430 a year by just comparing rate quotes, but most undervalue the large savings they would see if they switched to a more affordable policy.

Drivers have so many insurance companies to choose from, and though it is a good thing to have a selection, it can be more difficult to compare rates for Mazda RX-8 insurance in Seattle.

Best companies for Mazda RX-8 insurance

The companies shown below are ready to provide quotes in Washington. If multiple providers are shown, we recommend you get price quotes from several of them to get a more complete price comparison.

Data assumes married male driver age 40, no speeding tickets, no at-fault accidents, $250 deductibles, and Washington minimum liability limits. Discounts applied include multi-vehicle, claim-free, multi-policy, homeowner, and safe-driver. Premium amounts do not factor in Seattle location which can affect premium rates significantly.

Careless driving habits raise car insurance rates

The information below illustrates how speeding tickets and at-fault accidents can influence Mazda RX-8 insurance costs for different age groups of insureds. The costs are based on a single male driver, full coverage, $500 deductibles, and no other discounts are factored in.

Can higher deductibles save money?

The example below shows how choosing a deductible and can increase or decrease Mazda RX-8 insurance premiums for different age categories. The information is based on a married male driver, comprehensive and collision coverage, and no other discounts are factored in.

Rate comparison for different deductibles

One frequently asked question is where to set your physical damage deductibles. The figures shown below summarize the difference in cost between low and high comp and collision deductibles. The first rate estimation uses a $250 deductible for comprehensive and collision coverage and the second rate table uses a $1,000 deductible.

Table data represents married male driver age 30, no speeding tickets, no at-fault accidents, and Washington minimum liability limits. Discounts applied include multi-vehicle, homeowner, multi-policy, safe-driver, and claim-free. Rates do not factor in specific location information which can affect prices noticeably.

Based on the data above, we can derive that using a $250 deductible will cost you roughly $27 more each month or $324 a year than choosing the higher $1,000 deductible. Because you would be required to pay $750 more if you turn in a claim with a $1,000 deductible as compared to a $250 deductible, if you normally average more than 28 months between claims, you would probably save some money if you choose a higher deductible.

Insurance policy discounts for Mazda RX-8 insurance in Seattle

Companies that sell car insurance do not list the entire discount list in an easy-to-find place, so here is a list both well-publicized and the harder-to-find insurance savings.

• Federal Employees – Simply working for the federal government may reduce rates when you quote Seattle car insurance depending on your company.
• More Vehicles More Savings – Buying a policy with multiple cars or trucks with the same insurance company can reduce rates for all insured vehicles.
• Telematics Discount – Drivers who elect to allow their company to study their driving habits through the use of a telematics system like Drivewise from Allstate or In-Drive from State Farm might see lower rates if they exhibit good driving behavior.
• Bundled Policy Discount – If you can bundle your auto and homeowners insurance with one company they may give you a discount of nearly 15% which can help you find low cost Mazda RX-8 insurance.
• Discounts for Seat Belt Usage – Requiring all passengers to fasten their seat belts may be able to save a few bucks off PIP or medical payments premium.
• Early Switch Discount – Some larger companies provide a discount for switching companies before your current RX-8 insurance policy expires. It could save around 10% when you buy Seattle car insurance online.
• Driver Training Discounts – Passing a defensive driving class could cut 5% off your bill depending on where you live.

A quick disclaimer, some of the credits will not apply to your bottom line cost. Most only apply to specific coverage prices like physical damage coverage or medical payments. Just because it seems like you would end up receiving a 100% discount, companies wouldn’t make money that way.

Car insurance companies that may offer quotes with these benefits include:

• GEICO
• Auto-Owners Insurance
• American Family
• Esurance
• Progressive
• State Farm
• AAA

It’s a good idea to ask all companies you are considering to give you their best rates. Some credits might not apply in every state.

Smart Buyers Can Save Money

Multiple criteria are considered when pricing auto insurance. Some are pretty understandable such as your driving history, although others are not quite as obvious like where you live or your vehicle rating.

Cautious drivers pay better prices – Having just one citation may cause rates to rise by twenty percent. Attentive drivers get better rates compared to drivers with tickets. Drivers who have serious tickets such as DUI or willful reckless driving may be required to submit a SR-22 or proof of financial responsibility with their state motor vehicle department in order to keep their license.

What are good liability insurance limits? – Your policy’s liability coverage will afford coverage if ever you are determined to be liable for damages from an accident. Your policy’s liability insurance provides for a legal defense to attempt to prove you were not liable. This coverage is very inexpensive compared to physical damage coverage, so buy as much as you can afford.

Deter theft and save money – Purchasing a vehicle with an alarm system can help bring down rates. Anti-theft features such as vehicle immobilizer systems, General Motors OnStar and LoJack tracking systems can help prevent your vehicle from being stolen.

Reserve claims for larger damages – Insurance companies in Washington provide most affordable rates to people who only file infrequent claims. If you are the type of insured that files lots of claims you can definitely plan on either higher rates or even cancellation. Your car insurance is designed for larger claims.

More people means more accidents – Being located in smaller towns and rural areas of the country may provide you with better prices when buying car insurance. Fewer drivers and short commutes translates into fewer accident claims in addition to fewer liability claims. People who live in big cities tend to have more road rage incidents and a longer drive to work. More time behind the wheel means more chance of being in an accident.

Being married brings a discount – Having a spouse may cut your premiums compared to being single. Marriage generally demonstrates drivers are more mature it has been statistically shown that married couples file fewer claims.

Insurance prices and driver gender – Over time, data shows females are less aggressive when driving. That doesn’t necessarily mean that females are better drivers. Both sexes tend to get into auto accidents in similar numbers, but men have costlier accidents. Not only that, but men also get higher numbers of serious violations such as driving while intoxicated (DWI) or driving recklessly.

Which policy gives me the best coverage?

Always keep in mind that when comparing insurance from an agent or online, there really is not a best way to insure your cars. Everyone’s situation is a little different.

For example, these questions may help highlight whether you would benefit from professional advice.

• Does liability extend to a camper or trailer?
• What is roadside assistance coverage?
• How much can I save by bundling my policies?
• What if I total my Mazda RX-8 and owe more than it’s worth?
• When should I not file a claim?
• If my car is totalled with they pay enough to replace it?

If you don’t know the answers to these questions but you know they apply to you, you may need to chat with a licensed agent. To find lower rates from a local agent, simply complete this short form.

Insurance agents can help

Some people prefer to sit down and talk to an agent and there is nothing wrong with that. The biggest benefit of comparing auto insurance online is the fact that you can find cheaper prices and still have an agent to talk to.

After filling out this quick form, your insurance data is emailed to participating agents in Seattle that give free quotes for your coverage. There is no need to even leave your home due to the fact that quote results will go to you. Get lower rates and work with a local agent. If you wish to compare prices from a specific insurance company, just jump over to their website and complete a quote there.

Choosing a insurer is decision based upon more than just a low price. Some important questions to ask are:

• Does the quote include credit and driving reports?
• Do you need full coverage on every vehicle?
• Does the agency have a current Errors and Omissions policy?
• If your car is in the repair shop, do you have coverage for a rental car?
• Which companies can they place coverage with?
• Do they offer accident forgiveness?

The following is a list of insurance companies in Seattle willing to provide price quote information for Mazda RX-8 insurance in Seattle.

More Seattle agents

The insurance bait and switch

Respected companies like State Farm and Allstate constantly bombard you with ads on TV and radio. All the companies advertise claims of big savings if you move your policy. But how can every company claim to save you money? Here is how they do it.

All companies require specific criteria for the driver that is profitable for them. One example of a profitable risk profile should be between the ages of 30 and 45, carries high limits, and drives less than 5,000 miles a year. A propective insured who fits that profile gets the lowest prices and is almost guaranteed to save when they switch companies.

Potential customers who may not quite match these stringent criteria will be quoted higher premiums which translates to the customer not buying. The trick companies use is to say “drivers that switch” not “everyone that quotes” save money. This is how companies can advertise the savings. Because of this risk profiling, it is so important to get Seattle car insurance quotes from several different companies. It is impossible to predict which insurance companies will have the best prices at this point in time.

Quote. Compare. Save.

You just learned a lot of ways to lower your Mazda RX-8 insurance car insurance rates in Seattle. The key concept to understand is the more rate comparisons you have, the better likelihood of getting affordable Mazda RX-8 insurance quotes. You may even discover the best price on auto insurance is with an unexpected company.

Cost effective Mazda RX-8 insurance is definitely available from both online companies in addition to local insurance agencies, and you should compare rates from both to have the best selection. Some insurance companies may not offer online price quotes and many times these small insurance companies provide coverage only through local independent agencies.

Consumers change insurance companies for any number of reasons including unfair underwriting practices, denial of a claim, delays in responding to claim requests or policy non-renewal. It doesn’t matter why you want to switch finding a new auto insurance company is pretty simple and you could end up saving a buck or two.

More detailed auto insurance information can be found at these sites:

• Comprehensive Coverage (Liberty Mutual)
• Who Has Affordable Auto Insurance Rates for Drivers with Bad Credit in Seattle? (FAQ)
• How Much are Seattle Car Insurance Quotes for a Toyota Camry? (FAQ)
• How Much is Seattle Auto Insurance for Drivers Over Age 70? (FAQ)
• Who Has the Cheapest Seattle Car Insurance for a School Permit? (FAQ)
• What Auto Insurance is Cheapest for Uber Drivers in Seattle? (FAQ)
• Crash Avoidance Technologies FAQ (iihs.org)
• Auto Insurance 101 (About.com)
• Top Signs Your Brakes are Giving Out (State Farm)