Unthinkable but true, most drivers kept their policy with the same company for at least the last four years, and roughly 40% of drivers have never even compared rates from other companies. The average driver in Charlotte could save almost 10% every year, but they underestimate the amount of money they would save if they changed companies.
The easiest way to find affordable quotes for Mazda RX-8 insurance is to compare prices regularly from different companies who sell insurance in Charlotte.
First, spend a few minutes and learn about coverages and the modifications you can make to prevent rate increases. Many risk factors that drive up the price like accidents, traffic tickets, and a bad credit score can be controlled by making minor driving habit or lifestyle changes.
Second, quote rates from exclusive agents, independent agents, and direct providers. Direct and exclusive agents can only give rate quotes from a single company like GEICO or State Farm, while independent agencies can quote rates for a wide range of companies.
Third, compare the quotes to your current policy and determine if there is any savings. If you find a better price and change companies, make sure there is no lapse in coverage.
One tip to remember is to try to use similar coverage information on every quote request and and to analyze as many carriers as you can. This ensures an accurate price comparison and and a good selection of different prices.
These discounts can lower your insurance quotes
Companies that sell car insurance don’t always publicize all discounts in a way that’s easy to find, so the below list has a few of the more well known and the harder-to-find credits that may apply to you. If you’re not getting every credit you qualify for, you could be getting lower rates.
- Drivers Ed for Students – It’s a good idea to have your young drivers successfully take a driver’s education course as it will make them better drivers and lower rates.
- Online Discount – A few larger companies will discount your bill up to fifty bucks for buying your policy over the internet.
- Federal Employees – Being employed by or retired from a federal job can earn a discount up to 10% with select insurance companies.
- Multiple Policy Discount – If you insure your home and vehicles with one insurance company they may give you a discount of at least 10% off all policies.
- Professional Organizations – Participating in qualifying clubs or civic groups could qualify you for a break when shopping for insurance.
- Defensive Driver Discount – Taking a course that instructs on driving safety may get you a small discount depending on where you live.
- Safety Restraint Discount – Drivers who always wear seat belts and also require passengers to use a seat belt can save a little off PIP or medical payments premium.
- Fewer Miles Equal More Savings – Fewer annual miles on your Mazda can qualify you for lower insurance rates due to less chance of an accident.
- Save over 55 – If you’re over the age of 55, you can possibly qualify for a slight reduction on a Charlotte auto insurance quote.
- Discounts for Responsible Drivers – Drivers without accidents could pay up to 40% less as compared to drivers with claims.
It’s important to note that some credits don’t apply to all coverage premiums. The majority will only reduce the cost of specific coverages such as comprehensive or collision. So when the math indicates you can get free auto insurance, it’s just not the way it works.
The chart below illustrates the difference between Mazda RX-8 insurance costs with and without discounts. The data is based on a female driver, a clean driving record, no claims, North Carolina state minimum liability limits, comp and collision included, and $100 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with multi-policy, multi-car, safe-driver, marriage, claim-free, and homeowner discounts applied.
Companies and some of the premium reductions they offer are outlined below.
- American Family discounts include good student, multi-vehicle, air bags, mySafetyValet, TimeAway discount, and defensive driver.
- Nationwide has savings for good student, multi-policy, accident-free, anti-theft, defensive driving, easy pay, and business or organization.
- MetLife may include discounts for good driver, accident-free, defensive driver, good student, claim-free, multi-policy
- 21st Century policyholders can earn discounts including teen driver, good student, driver training, homeowners, defensive driver, and early bird.
- Farmers Insurance includes discounts for mature driver, electronic funds transfer, early shopping, homeowner, business and professional, and multi-car.
- Allstate offers premium reductions for senior citizen, utility vehicle, resident student, anti-theft, and new car.
Check with every prospective company to apply every possible discount. Some credits might not be offered everywhere. To find insurers who offer free Mazda RX-8 insurance quotes in Charlotte, click this link.
The companies shown below offer free quotes in Charlotte, NC. If your goal is to find cheap auto insurance in Charlotte, it’s highly recommended you visit several of them to get a more complete price comparison.
Mazda RX-8 coverage analysis
The premium table displayed next showcases detailed analysis of insurance premium costs for Mazda RX-8 models. Learning more about how rate quotes are determined can be valuable when making smart choices when purchasing an auto insurance policy.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| RX-8 Sport 4-Dr Coupe | $154 | $262 | $240 | $14 | $72 | $742 | $62 |
| RX-8 Grand Touring 4-Dr Coupe | $154 | $302 | $240 | $14 | $72 | $782 | $65 |
| RX-8 R3 4-Dr Coupe | $154 | $302 | $240 | $14 | $72 | $782 | $65 |
| Get Your Own Custom Quote Go | |||||||
Premium data assumes married male driver age 50, no speeding tickets, no at-fault accidents, $500 deductibles, and North Carolina minimum liability limits. Discounts applied include claim-free, homeowner, multi-vehicle, multi-policy, and safe-driver. Price estimates do not factor in specific Charlotte garaging location which can decrease or increase premiums considerably.
Can higher deductibles save money?
When comparing auto insurance rates, the most common question is how high should the deductibles for physical damage be. The figures shown below sum up how much more rates are when you choose different coverage deductibles. The first set of prices uses a $100 physical damage coverage deductible and the second set of prices uses a $1,000 deductible.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| RX-8 Sport 4-Dr Coupe | $270 | $456 | $250 | $14 | $74 | $1,089 | $91 |
| RX-8 Grand Touring 4-Dr Coupe | $270 | $524 | $250 | $14 | $74 | $1,157 | $96 |
| RX-8 R3 4-Dr Coupe | $270 | $524 | $250 | $14 | $74 | $1,157 | $96 |
| Get Your Own Custom Quote Go | |||||||
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| RX-8 Sport 4-Dr Coupe | $150 | $240 | $250 | $14 | $74 | $728 | $61 |
| RX-8 Grand Touring 4-Dr Coupe | $150 | $276 | $250 | $14 | $74 | $764 | $64 |
| RX-8 R3 4-Dr Coupe | $150 | $276 | $250 | $14 | $74 | $764 | $64 |
| Get Your Own Custom Quote Go | |||||||
Data variables include married male driver age 30, no speeding tickets, no at-fault accidents, and North Carolina minimum liability limits. Discounts applied include homeowner, multi-vehicle, claim-free, safe-driver, and multi-policy. Information does not factor in zip code location which can influence coverage prices substantially.
Based on these figures, using a $100 deductible will cost in the ballpark of $31 more each month or $372 a year across all Mazda RX-8 models than quoting the higher $1,000 deductible. Since you would have to pay $900 more out of your own pocket with a $1,000 deductible as compared to a $100 deductible, if you have at a minimum 29 months between claim filings, you would more than likely save some money if you opt for a higher deductible.
Special considerations
Keep in mind that when it comes to choosing your policy for your vehicles, there really is no perfect coverage plan. Everyone’s needs are different.
These are some specific questions might point out whether or not you would benefit from professional advice.
- Are rock chip repairs covered?
- I have health insurance so do I need medical payments coverage?
- Can I get a multi-policy discount?
- Should I buy additional glass protection?
- Should I buy more coverage than the required North Carolina minimum liability coverage?
- Does low annual mileage earn a discount?
- Should I file a claim if it’s only slightly more than my deductible?
- What is an SR-22 filing?
- Are there any extra discounts I can get?
If it’s difficult to answer those 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, complete this form. It is quick, free and may give you better protection.
When should I contact an insurance agency?
A lot of people still prefer to buy from a local agent and that is not a bad decision Professional insurance agents are highly skilled in risk management and will help you if you have claims. One of the great benefits of price shopping on the web is the fact that you can find cheap auto insurance rates and also buy local.
After completing this simple form, the coverage information is transmitted to companies in Charlotte that provide free Charlotte auto insurance quotes for your insurance coverage. It’s much easier because you don’t need to drive around because prices are sent instantly to you. If you wish to quote rates from a particular provider, don’t hesitate to jump over to their website and submit a quote form there.
Picking an insurance company requires you to look at more than just the bottom line cost. These questions are important to ask:
- Can you contact them at any time?
- How much experience to they have in personal lines coverages?
- Do they specialize in personal lines coverage in Charlotte?
- Can they provide you with a list of referrals?
- Do they have a Better Business Bureau rating in Charlotte?
- In the event of vehicle damage, can you pick the collision repair facility?
Exclusive and independent Charlotte car insurance agents
If you want to use a reliable agent, it’s helpful to know the different agency structures that you can select. Agencies in Charlotte can either be exclusive agents or independent agents. Both can sell affordable auto insurance policies, but it’s good to learn how they are different since it may influence your selection of an agent.
Exclusive Insurance Agencies
These agents generally can only insure with one company such as Farmers Insurance, American Family, State Farm and Allstate. They generally cannot place coverage with different providers so you need to shop around if the rates are high. Exclusive insurance agents are very knowledgeable on what they offer which helps them sell insurance even at higher premiums.
The following are Charlotte exclusive insurance agencies that are able to give comparison quotes.
Allstate Insurance: Michael Randolph
1001 W W.T. Harris Blvd m – Charlotte, NC 28213 – (704) 549-1710 – View Map
Howard Johnson Jr – State Farm Insurance Agent
5342 Docia Crossing Rd a – Charlotte, NC 28269 – (704) 947-7233 – View Map
Brian McCaw – State Farm Insurance Agent
5950 Fairview Rd #220 – Charlotte, NC 28210 – (704) 554-0144 – View Map
Independent Insurance Agents
Independent insurance agents are not locked into one company so they can quote policies amongst many companies and find you the best rates. If they quote lower rates, the business is moved internally and the insured can keep the same agent. If you are comparing auto insurance prices, we recommend you get insurance quotes from independent agents to get the most accurate price comparison.
The following is a list of independent insurance agents in Charlotte that can give you price quotes.
Swimmer Insurance Agency
725 Providence Rd #100 – Charlotte, NC 28207 – (704) 333-6694 – View Map
O H Walker Insurance Agency Inc
2210 Crownpoint Executive Dr – Charlotte, NC 28227 – (704) 814-4343 – View Map
Honeycutt Insurance Agency
3121 Springbank Ln F – Charlotte, NC 28226 – (704) 752-8233 – View Map
Shop around and save
Consumers leave their current company for many reasons like high rates after DUI convictions, policy non-renewal, high prices or delays in paying claims. It doesn’t matter what your reason, finding a new auto insurance company is pretty easy and you might even save some money in the process.
Lower-priced Mazda RX-8 insurance in Charlotte is available both online as well as from insurance agents, so you should compare both to have the best rate selection. Some auto insurance companies do not provide price quotes online and usually these smaller companies only sell coverage through local independent agents.
When searching for the cheapest Mazda RX-8 rate quotes, it’s not a good idea to skimp on critical coverages to save a buck or two. There are too many instances where an insured dropped uninsured motorist or liability limits and found out when filing a claim that the small savings ended up costing them much more. Your goal should be to buy the best coverage you can find at an affordable rate and still be able to protect your assets.
To read more, take a look at the following helpful articles:
- Warning systems don’t curb driver distraction (Insurance Institute for Highway Safety)
- Who Has Affordable Auto Insurance for Drivers with a Bad Driving Record in Charlotte? (FAQ)
- Auto Insurance FAQ (Farmers Insurance)
- Insurance losses by make and model (Insurance Institute for Highway Safety)
- New vehicle ratings focus on headlights (Insurance Institute for Highway Safety)