Best Pittsburgh Mazda RX-8 Insurance

Would you like to save money by finding more competitive Mazda RX-8 insurance in Pittsburgh? Scraping up a payment for expensive Mazda RX-8 insurance in Pittsburgh can dry up your checking account and force you to tighten up your finances.

Inconceivable but true, a large majority of drivers have been with the same company for four years or more, and practically 40% of auto insurance customers have never compared quotes from other companies. With the average premium in Pennsylvania being $1,400, drivers can cut their rates by as much as $686 a year just by shopping around, but they just feel it’s too hard to find lower-cost rates by getting comparison quotes.

Companies like Allstate, Progressive and GEICO increase brand awareness with ad campaigns and it is challenging if not impossible to see past the geckos and flying pigs and do the work needed to find the best deal.

If you are insured now, you will most likely be able to save money using these techniques. Finding the cheapest car insurance coverage in Pittsburgh can be much easier if you know how to start. But Pennsylvania car owners need to learn how big insurance companies determine prices and apply this information to your search.

The majority of larger companies like State Farm, Allstate and GEICO make it easy to get coverage price quotes direct online. Doing online quotes for Mazda RX-8 insurance in Pittsburgh is very simple as you simply type in the amount of coverage you want into the quote form. When complete, the quote system sends out for your credit score and driving record and quotes a price based on the data you entered. Getting online rate quotes for Mazda RX-8 insurance in Pittsburgh makes comparing rates easy, and it is important to get many rate quotes if you are searching for affordable rates.

To quickly use this form to compare rates, check out the auto insurance providers below. If you have your current policy handy, we recommend you duplicate deductibles and limits as close as possible to your current policy. This helps ensure you will be getting a price comparison based on identical coverages.

The car insurance companies shown below are ready to provide quotes in Pennsylvania. If multiple companies are listed, we suggest you visit as many as you can to get the best price comparison.

Rates and other information

The premium table shown next showcases detailed analysis of insurance policy prices for Mazda RX-8 models. Understanding more about how premiums are formulated can benefit drivers when making informed coverage decisions.

Prices above based on married female driver age 30, no speeding tickets, no at-fault accidents, $1000 deductibles, and Pennsylvania minimum liability limits. Discounts applied include homeowner, multi-policy, claim-free, safe-driver, and multi-vehicle. Prices do not factor in Pittsburgh location which can increase or decrease premium rates greatly.

Should you raise deductibles?

One common question asked by Pittsburgh drivers is where should you set your physical damage deductibles. The comparisons below determine the differences in premium rates between low and high coverage deductibles. The first data table uses a $100 physical damage coverage deductible and the second data table uses a $500 deductible.

Prices above based on married male driver age 30, no speeding tickets, no at-fault accidents, and Pennsylvania minimum liability limits. Discounts applied include multi-policy, multi-vehicle, safe-driver, claim-free, and homeowner. Premium amounts do not factor in specific zip code location which can revise rates noticeably.

We can estimate from the data above that using a $100 deductible will cost in the ballpark of $28 more each month or $336 every year than choosing the higher $500 deductible. Due to the fact that you would have to pay $400 more if you file a claim with a $500 deductible as compared to a $100 deductible, if you tend to go at a minimum 14 months between claim filings, you would probably be better off if you elect the higher deductible.

The example below illustrates how your deductible choice and can impact Mazda RX-8 annual premium costs for different age groups. The premiums assume a single male driver, comp and collision included, and no discounts are taken into consideration.

Car insurance rates by gender and age

The illustration below visualizes the comparison of Mazda RX-8 annual premium costs for male and female drivers. The costs are based on a clean driving record, no claims, comp and collision included, $250 deductibles, drivers are not married, and no policy discounts are applied.

Does it make sense to buy full coverage?

The chart below illustrates the difference between Mazda RX-8 insurance rates with full coverage compared to only the Pennsylvania minimum liability coverage. The premiums are based on a clean driving record, no claims, $250 deductibles, single status, and no additional discounts are factored in.

Should you buy full coverage or liability only?

There is no definitive formula that works best for making the decision to drop full coverage, but there is a general convention. If the yearly cost for physical damage coverage is about 10% or more of the settlement you would receive from your company, then it could be time to drop full coverage.

For example, let’s assume your Mazda RX-8 replacement cost is $9,000 and you have $1,000 deductibles. If your vehicle is destroyed, the most you would get paid by your company is $8,000 after paying the physical damage deductible. If premium cost is more than $800 annually to have full coverage, then you might want to think about dropping full coverage.

There are some scenarios where buying only liability insurance is not a good plan. If you still owe money on your vehicle, you are required to maintain full coverage in order to prevent the bank from purchasing higher-priced coverage. Also, if your savings is not enough to buy a different vehicle if your current one is totaled, you should not opt for liability only.

Insurance does more than just protect your car

Despite the high insurance cost for a Mazda RX-8 in Pittsburgh, paying for insurance serves an important purpose.

• The majority of states have minimum liability requirements which means you are required to carry a specific minimum amount of liability insurance coverage if you drive a vehicle. In Pennsylvania these limits are 15/30/5 which means you must have $15,000 of bodily injury coverage per person, $30,000 of bodily injury coverage per accident, and $5,000 of property damage coverage.
• If you have a loan on your Mazda RX-8, it’s most likely the lender will force you to have insurance to guarantee their interest in the vehicle. If you let the policy lapse, the lender will be forced to insure your Mazda for a much higher rate and force you to pay the higher premium.
• Insurance preserves not only your Mazda RX-8 but also your financial assets. It also can pay for medical bills incurred in an accident. As part of your policy, liability insurance also pays for attorney fees and expenses if someone files suit against you as the result of an accident. If your car is damaged in a storm or accident, comprehensive (other-than-collision) and collision coverage will pay to restore your vehicle to like-new condition.

The benefits of insuring your RX-8 greatly outweigh the cost, particularly if you ever have a claim. As of last year, the average driver in Pennsylvania is currently overpaying as much as $700 annually so it’s important to compare rates at every renewal to be sure current rates are still competitive.

Save a ton with these eight discounts

Companies don’t always list every discount available very clearly, so we took the time to find some of the best known and the more hidden credits available to bring down your rates.

• Paperwork-free – Some of the larger companies will give a small break for buying your policy over the internet.
• Passenger Safety Discount – Factory air bags and/or automatic seat belt systems could see savings of up to 25% or more.
• Theft Deterrent – Cars, trucks, and SUVs equipped with tracking devices and advanced anti-theft systems help deter theft and will qualify for a discount on a Pittsburgh car insurance quote.
• Bundled Policy Discount – If you can combine your auto and home policy with one insurance company you could save approximately 10% to 15%.
• Accident-Free Discounts – Insureds who avoid accidents and claims can save substantially in comparison to accident-prone drivers.
• Discount for Home Ownership – Owning a house in Pittsburgh may earn you a small savings because maintaining a house is proof that your finances are in order.
• Senior Discount – Drivers that qualify as senior citizens may be able to get a small discount on rates.
• Safe Drivers – Drivers who avoid accidents may receive a discount up to 45% than less cautious drivers.

It’s important to note that most discounts do not apply to the entire policy premium. Some only reduce individual premiums such as physical damage coverage or medical payments. So even though you would think you could get a free insurance policy, it just doesn’t work that way.

The diagram below illustrates the comparison of Mazda RX-8 annual premium costs with and without discounts applied to the premium. The costs are based on a female driver, no driving violations, no at-fault accidents, Pennsylvania state minimum liability limits, full coverage, and $500 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with multi-policy, marriage, safe-driver, homeowner, claim-free, and multi-car discounts applied.

If you would like to choose from a list of companies that offer the discounts shown above in Pittsburgh, click here.

Situations that may require an agent’s advice

Keep in mind that when it comes to choosing a policy for your vehicles, there isn’t really a “best” method to buy coverage. Everyone’s needs are different so this has to be addressed.
Here are some questions about coverages that could help you determine whether your personal situation could use an agent’s help.

• Why am I required to buy liability insurance?
• Should I pay a claim out-of-pocket?
• Are my tools covered if they get stolen from my vehicle?
• Does my policy cover me when driving someone else’s vehicle?
• Are my friends covered when driving my Mazda RX-8?
• Can I afford to buy a different vehicle if my Mazda RX-8 is totaled?
• Are rock-chip repairs free?

If you’re not sure about those questions but you think they might apply to your situation, you might consider talking to a licensed insurance agent. To find an agent in your area, fill out this quick form or you can go here for a list of companies in your area.

Insurance agent or online?

A small number of people would prefer to visit with an insurance agent. A nice benefit of comparing car insurance online is that you can find lower premium rates and still have a local agent. Buying from and supporting local agencies is important especially in Pittsburgh.

To find an agent, once you fill out this quick form, the coverage information is transmitted to local insurance agents that can give you free Pittsburgh car insurance quotes to get your business. You never need to contact any insurance agencies due to the fact that quote results will go instantly to you. You can find lower rates and a licensed agent to work with. If you have a need to compare prices from a specific company, don’t hesitate to find their quoting web page and fill out their quote form.

Two types of car insurance agents

If you want a local Pittsburgh insurance agent, you need to know there are two types of agencies and how they can write your policy. Agents may be either independent (non-exclusive) or exclusive.

Independent Car Insurance Agents

Agents of this type are not limited to a single company so as a result can place your coverage amongst many companies and find you cheaper rates. If they find a lower price, your agent can just switch to a different company and you can keep the same agent. When comparison shopping, it’s a good idea to get several quotes from a few independent agents to maximize your price options.

Featured below is a partial list of independent insurance agencies in Pittsburgh who may provide competitive price quotes.

View more agents

Exclusive Agents

Exclusive insurance agents can only provide one company’s prices and examples are American Family, State Farm, and Allstate. Exclusive agents cannot provide rate quotes from other companies so it’s a take it or leave it situation. They are usually quite knowledgeable on their products and sales techniques which helps them compete with independent agents.

Listed below is a short list of exclusive insurance agents in Pittsburgh willing to provide rate quotes.

View more agents

Finding the right car insurance agent requires you to look at more than just a cheap quote. Here are some questions to ask:

• Does the agent have professional designations like CIC, CPCU or AIC?
• Is there any savings for paying the full premium?
• Are they able to influence company decisions when a claim is filed?
• Can you contact them at any time?
• Is the agency covered by Errors and Omissions coverage?
• What company holds the largest book of business for them?
• How long has the business existed?

Auto insurance policy coverages for a Mazda RX-8

Having a good grasp of a auto insurance policy can be of help when determining which coverages you need for your vehicles. Policy terminology can be ambiguous and reading a policy is terribly boring. These are typical coverage types found on most auto insurance policies.

Collision insurance

This will pay to fix damage to your RX-8 resulting from colliding with an object or car. You will need to pay your deductible then the remaining damage will be paid by your insurance company.

Collision coverage pays for things like crashing into a ditch, colliding with a tree and crashing into a building. Collision is rather expensive coverage, so you might think about dropping it from vehicles that are older. It’s also possible to choose a higher deductible on your RX-8 in order to get cheaper collision rates.

UM/UIM (Uninsured/Underinsured Motorist) coverage

Uninsured or Underinsured Motorist coverage provides protection when other motorists do not carry enough liability coverage. Covered claims include hospital bills for your injuries and also any damage incurred to your Mazda RX-8.

Because many people only carry the minimum required liability limits (which is 15/30/5), it doesn’t take a major accident to exceed their coverage limits. That’s why carrying high Uninsured/Underinsured Motorist coverage is important protection for you and your family. Most of the time your uninsured/underinsured motorist coverages are similar to your liability insurance amounts.

Comprehensive auto coverage

This coverage covers damage caused by mother nature, theft, vandalism and other events. You first must pay your deductible and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive insurance covers claims such as falling objects, hitting a deer and hitting a bird. The most you’ll receive from a claim is the cash value of the vehicle, so if your deductible is as high as the vehicle’s value it’s not worth carrying full coverage.

Coverage for liability

Liability insurance protects you from damage or injury you incur to a person or their property in an accident. Liability coverage has three limits: per person bodily injury, per accident bodily injury, and a property damage limit. As an example, you may have values of 15/30/5 which means a limit of $15,000 per injured person, a total of $30,000 of bodily injury coverage per accident, and a total limit of $5,000 for damage to vehicles and property. Occasionally you may see one limit called combined single limit (CSL) which provides one coverage limit and claims can be made without the split limit restrictions.

Liability insurance covers claims such as court costs, loss of income, legal defense fees and funeral expenses. How much liability should you purchase? That is up to you, but it’s cheap coverage so purchase as much as you can afford. Pennsylvania state law requires minimum liability limits of 15/30/5 but you should consider buying better liability coverage.

The chart below shows why buying minimum limits may not be enough coverage.

Medical payments and PIP coverage

Personal Injury Protection (PIP) and medical payments coverage provide coverage for short-term medical expenses such as nursing services, EMT expenses, doctor visits, funeral costs and surgery. The coverages can be used to fill the gap from your health insurance policy or if you do not have health coverage. Medical payments and PIP cover all vehicle occupants in addition to if you are hit as a while walking down the street. PIP coverage is only offered in select states and may carry a deductible

Find cheap rates by being thorough

More affordable auto insurance in Pittsburgh can be purchased both online and with local Pittsburgh insurance agents, and you need to comparison shop both to have the best rate selection. A few companies don’t offer internet price quotes and usually these smaller companies sell through local independent agents.

You just learned a lot of ways to get a better price on Mazda RX-8 insurance in Pittsburgh. The key thing to remember is the more quotes you get, the higher your chance of finding low cost Pittsburgh car insurance quotes. You may even find the lowest priced auto insurance comes from a company that doesn’t do a lot of advertising. These smaller insurers may have significantly lower premium rates on certain market segments compared to the large companies like Allstate or State Farm.

Steps to finding cheaper rates for Mazda RX-8 insurance in Pittsburgh

Really, the only way to get low-cost Mazda RX-8 insurance is to do a yearly price comparison from insurance carriers who sell insurance in Pittsburgh.

1. Take a few minutes and learn about how insurance companies determine prices and the factors you can control to keep rates low. Many rating factors that cause rate increases like distracted driving and an unacceptable credit rating can be remedied by making lifestyle changes or driving safer.
2. Compare rates from independent agents, exclusive agents, and direct companies. Direct companies and exclusive agencies can only give prices from a single company like GEICO and Allstate, while independent agencies can quote rates for many different companies.
3. Compare the new rates to your current policy to see if switching to a new carrier will save money. If you can save some money and switch companies, verify that coverage does not lapse between policies.
4. Tell your current agent or company of your decision to cancel your current auto insurance policy. Submit a completed policy application and payment for the new policy. Once the application is submitted, keep the new certificate of insurance with your registration paperwork.

A good tip to remember is that you use identical coverages on every price quote and and to look at as many auto insurance providers as possible. This ensures an apples-to-apples comparison and the best price selection.

Additional auto insurance information can be found at the links below

• Rental Reimbursement Coverage (Allstate)
• What Auto Insurance is Cheapest for a Toyota Tacoma in Pittsburgh? (FAQ)
• How Much are Car Insurance Quotes for Drivers with a DUI in Pittsburgh? (FAQ)
• How Much is Pittsburgh Auto Insurance for a 20 Year Old Male? (FAQ)
• Insurance losses by make and model (Insurance Institute for Highway Safety)
• Child Safety Seats (Insurance Information Institute)
• Preventing Carjacking and Theft (Insurance Information Institute)