Comparing Omaha auto insurance quotes online could seem overwhelming if you are someone who has never done online price comparisons. But don’t be confused because online price shopping is actually quite simple.
It goes without saying that auto insurance companies don’t want you to compare rates. People who shop around for a cheaper policy are likely to switch car insurance companies because of the good chance of finding coverage at a cheaper rate. Remarkably, a study showed that consumers who compared price quotes annually saved over $860 a year as compared to drivers who never shopped around for lower prices.
If finding low prices for Mazda RX-8 insurance in Omaha is the reason for your visit, then having a good understanding the best way to shop and compare auto insurance can save money and time.
If you are insured now, you will be able to get lower rates using these tips. Comparing rates for the cheapest protection in Omaha is not as hard as you think. Nevertheless, Nebraska drivers do need to understand how insurance companies calculate your policy premium because rates are impacted by many factors.
The quickest method we recommend to compare car insurance company rates for Mazda RX-8 insurance in Omaha is to know auto insurance companies have advanced systems to quote your coverage. The only thing you need to do is give the companies some data including your credit rating estimate, whether the vehicles are used for commuting, how old drivers are, and whether your vehicle is owned or leased. The rating information is instantly submitted to multiple companies and you should receive rate quotes within a short period of time.
To compare rates for your Mazda RX-8 now, click here and complete the quick form.
The following companies are ready to provide price quotes in Nebraska. To get the best auto insurance in NE, we recommend you click on several of them to get the cheapest price.
Insurance rate breakdown
The table shown below covers different insurance policy prices for Mazda RX-8 models. Understanding more about how auto insurance premiums are determined can benefit drivers when making decisions on the best policy coverages.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| RX-8 Sport 4-Dr Coupe | $318 | $632 | $362 | $22 | $108 | $1,442 | $120 |
| RX-8 Grand Touring 4-Dr Coupe | $318 | $726 | $362 | $22 | $108 | $1,536 | $128 |
| RX-8 R3 4-Dr Coupe | $318 | $726 | $362 | $22 | $108 | $1,536 | $128 |
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Table data represents single male driver age 40, no speeding tickets, no at-fault accidents, $100 deductibles, and Nebraska minimum liability limits. Discounts applied include homeowner, safe-driver, multi-policy, claim-free, and multi-vehicle. Estimates do not factor in zip code location which can revise insurance rates significantly.
Can higher deductibles save money?
When shopping for insurance, a common question is how high should the physical damage coverage deductibles be. The comparisons below sum up the difference in cost when you buy lower versus higher physical damage coverage deductibles. The first price estimate table uses a $250 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 | $292 | $460 | $300 | $18 | $90 | $1,185 | $99 |
| RX-8 Grand Touring 4-Dr Coupe | $292 | $530 | $300 | $18 | $90 | $1,255 | $105 |
| RX-8 R3 4-Dr Coupe | $292 | $530 | $300 | $18 | $90 | $1,255 | $105 |
| Get Your Own Custom Quote Go | |||||||
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| RX-8 Sport 4-Dr Coupe | $180 | $290 | $300 | $18 | $90 | $878 | $73 |
| RX-8 Grand Touring 4-Dr Coupe | $180 | $334 | $300 | $18 | $90 | $922 | $77 |
| RX-8 R3 4-Dr Coupe | $180 | $334 | $300 | $18 | $90 | $922 | $77 |
| Get Your Own Custom Quote Go | |||||||
Price data assumes married male driver age 30, no speeding tickets, no at-fault accidents, and Nebraska minimum liability limits. Discounts applied include multi-policy, homeowner, claim-free, multi-vehicle, and safe-driver. Price information does not factor in your specific Omaha location which can alter insurance rates greatly.
Based on the figures above, using a $250 deductible costs approximately $27 more each month or $324 annually averaged for all RX-8 models than selecting the higher $1,000 deductible. Since you would pay $750 more to settle a claim with a $1,000 deductible as compared to a $250 deductible, if you usually have more than 28 months between claim filings, you would save money if you choose a higher deductible.
Rate comparison of full coverage and liability-only
The diagram below illustrates the difference between Mazda RX-8 annual premium costs with and without full coverage. The premiums assume no driving violations, no at-fault accidents, $100 deductibles, drivers are not married, and no other discounts are factored in.
Should you be buying full coverage?
There is no clear-cut formula for dropping physical damage insurance, but there is a general school of thought. If the annual cost of your full coverage insurance is more than around 10% of the replacement cost minus the deductible, then it’s probably a good time to buy liability coverage only.
For example, let’s pretend your Mazda RX-8 replacement cost is $3,000 and you have $1,000 deductibles. If your vehicle is severely damaged, the most your company will settle for is $2,000 after paying your policy deductible. If you are paying more than $200 annually for full coverage, then it could be time to drop full coverage.
There are some cases where dropping physical damage coverage is not recommended. If you still have a lienholder on your title, you have to keep full coverage in order to prevent your loan from defaulting. Also, if you cannot afford to purchase a different vehicle if your current one is damaged, you should not buy liability only.
Protect more than your Mazda RX-8
Despite the high cost of buying insurance for a Mazda RX-8 in Omaha, insurance is most likely required but also gives you several important benefits.
- The majority of states have minimum liability requirements which means it is punishable by state law to not carry specific minimum amounts of liability insurance if you want to drive legally. 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.
- If you bought your Mazda RX-8 with a loan, almost every bank will require that you have comprehensive coverage to ensure the loan is repaid in case of a total loss. If you do not pay your insurance premiums, the bank or lender will purchase a policy for your Mazda at a more expensive rate and make you pay much more than you were paying before.
- Insurance protects both your assets and your car. It also can pay for all forms of medical expenses for you, any passengers, and anyone injured in an accident. Liability coverage will also pay for a defense attorney if you are sued as the result of your driving. If your vehicle suffers damage from an accident or hail, comprehensive (other-than-collision) and collision coverage will cover the repair costs.
The benefits of carrying enough insurance definitely exceed the cost, specifically if you ever have a liability claim. As of last year, the average driver in Nebraska overpays as much as $810 a year so it’s important to compare rates each time the policy renews to help ensure money is not being wasted.
How to Lower Your Insurance Rates
Part of the insurance buying process is learning the rating factors that are used to determine your premiums. When you understand what influences your rates, this enables you to make decisions that could result in better insurance rates.
Affects performance affects auto insurance premiums – The performance of the vehicle you own makes a big difference in how high your rates are. The lowest base rates will normally be found when insuring low performance passenger cars, but your final cost has many other factors.
The following data uses these assumptions: single male driver age 20, full coverage with $250 deductibles, and no discounts or violations. The data compares Mazda RX-8 rates compared to other makes and models that have different performance risks.
Bad drivers pay high costs – Your driving citation history has a big impact on rates. Attentive drivers pay less for auto insurance than their less careful counterparts. Even one chargeable violation can increase the cost of insurance twenty percent or more. Drivers unfortunate enough to have dangerous tickets like DUI, reckless driving or excessive speeding may need to submit a SR-22 or proof of financial responsibility with their state’s department of motor vehicles in order to drive a vehicle legally.
The example below highlights how speeding tickets and at-fault accidents can drive up Mazda RX-8 car insurance costs for each age group. The rate quotes are based on a married female driver, comp and collision included, $250 deductibles, and no additional discounts are factored in.
Single drivers take more risk – Getting married may save some money on insurance. Having a significant other means you’re more mature than a single person it has been statistically shown that drivers who are married are more cautious.
Do thieves like your car? – Purchasing a vehicle with anti-theft technology or alarm system can help lower your premiums. Anti-theft features like OnStar found on GM vehicles, advanced tracking like LoJack, and vehicle immobilization systems can thwart auto theft and help lower rates.
Policy lapses lead to higher insurance rates – Having an insurance coverage lapse can be a quick way to pay more for insurance. And not only will insurance be more expensive, getting caught without coverage may result in fines and jail time. You will then be forced to file a SR-22 with the Nebraska motor vehicle department to get your license reinstated.
Choose high IIHS safety ratings and save – Vehicles with high crash test scores are cheaper to insure. Safer cars help reduce the chance of injuries in an accident and lower rates of occupant injuries translates into fewer and smaller insurance claims passed on to you as lower rates. If your Mazda RX-8 has ratings of a minimum an “acceptable” rating on the Insurance Institute for Highway Safety website you may be receiving a better rate.
Discounts can help to save on Mazda RX-8 insurance in Omaha
Car insurance is neither fun to buy or cheap, but you might already qualify for some discounts that can dramatically reduce your bill. Some discounts will apply at quote time, but some discounts are required to be asked for prior to getting the savings. If you check and find you aren’t receiving every discount available, you are not getting the best rate possible.
- Save with a New Car – Insuring a vehicle that is new can save you some money since newer vehicles are generally safer.
- E-sign – A handful of insurance companies provide a small discount for buying your policy on their website.
- Low Mileage Discounts – Driving less could qualify for lower premium rates on the low mileage vehicles.
- Federal Employees – Simply working for the federal government could cut as much as 10% off but check with your company.
- Early Switch Discount – A few companies allow discounts for buying a policy before your current RX-8 insurance policy expires. It could save around 10% when you buy Omaha auto insurance online.
- Payment Method – By making one initial payment rather than spreading payments over time you could save 5% or more.
- Discounts for Good Drivers – Drivers who don’t get into accidents can save as much as half off their rates than less cautious drivers.
- Defensive Driver – Taking part in a course in driver safety could earn you a small percentage discount depending on where you live.
- Theft Prevention System – Cars equipped with tracking devices and advanced anti-theft systems prevent vehicle theft and earn discounts up to 10% off your Omaha auto insurance quote.
You can save money using discounts, but most credits do not apply to all coverage premiums. Some only apply to individual premiums such as collision or personal injury protection. So even though they make it sound like all those discounts means the company will pay you, insurance companies wouldn’t stay in business.
The illustration below visualizes the comparison of Mazda RX-8 annual premium costs with and without discounts applied to the premium. The price estimates are based on a male driver, no driving violations, no at-fault accidents, Nebraska state minimum liability limits, full physical damage coverage, and $500 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with multi-policy, multi-car, homeowner, safe-driver, marriage, and claim-free discounts applied.
A few popular companies and some of the discounts are detailed below.
- State Farm has savings for accident-free, anti-theft, good student, driver’s education, passive restraint, Drive Safe & Save, and safe vehicle.
- Progressive offers discounts for good student, multi-policy, online quote discount, online signing, multi-vehicle, and homeowner.
- Travelers includes discounts for student away at school, save driver, hybrid/electric vehicle, driver training, early quote, payment discounts, and IntelliDrive.
- American Family offers discounts including good student, bundled insurance, defensive driver, multi-vehicle, mySafetyValet, air bags, and Steer into Savings.
- Liberty Mutual has discounts for newly married, multi-policy, good student, teen driver discount, and safety features.
It’s a good idea to ask each company or agent which discounts you may be entitled to. Some credits may not apply in Omaha. For a list of companies offering car insurance discounts in Omaha, follow this link.
Local Omaha insurance agencies
Many people would rather sit down and talk to an agent and that is recommended in a lot of cases An additional benefit of getting online price quotes is that you can find the best rates but still work with a licensed agent. Putting coverage with small agencies is important particularly in Omaha.
By using this simple form, your coverage information is transmitted to participating agents in Omaha who will return price quotes to get your business. There is no reason to drive around due to the fact that quote results will go directly to you. It’s the lowest rates and work with a local agent. If you have a need to compare rates from a specific insurance company, you just need to jump over to their website and complete a quote there.
If you’re trying to find a reliable agent, it’s important to understand the types of insurance agents and how they can quote your rates. Car insurance agencies are classified as either exclusive or independent agents depending on their company appointments.
Independent Agents (or Brokers)
These agents are not limited to a single company so they can write business with many different companies and potentially find a lower price. If prices rise, they can switch companies in-house and the insured can keep the same agent.
If you need lower rates, you definitely need to compare prices from several independent insurance agents for maximum quote selection. Most also have access to smaller mutual companies which may provide better rates.
Below is a small list of independent insurance agents in Omaha that may be able to give you competitive price quotes.
- AA Brokers Insurance Agency Inc.
2214 N 90th Plaza – Omaha, NE 68134 – (402) 392-1930 – View Map - Alvarez Insurance Agency
4629 S 23rd St – Omaha, NE 68107 – (402) 733-1878 – View Map - Auto Insurance Mart
1913 Military Ave – Omaha, NE 68111 – (402) 553-0700 – View Map
Exclusive Agents
Exclusive insurance agents can only provide pricing for a single company and some examples include State Farm, Allstate and AAA. Exclusive agents cannot compare rates from other companies so you might not find the best rates. Exclusive agencies are usually quite knowledgeable on their company’s products and that can be a competitive advantage. Consumers sometimes choose to use an exclusive agent partially due to the brand name rather than low price.
Below is a list of exclusive agencies in Omaha willing to provide price quotes.
- Matt Dougherty – State Farm Insurance Agent
4910 Dodge St – Omaha, NE 68132 – (402) 884-2870 – View Map - Anthony Anderson – State Farm Insurance Agent
11204 Davenport St #200 – Omaha, NE 68154 – (402) 393-0300 – View Map - Tim Edwards – State Farm Insurance Agent
6550 S 84th St #200 – Omaha, NE 68127 – (402) 331-0112 – View Map
Finding the right insurance agency should include more criteria than just the quoted price. Some important questions to ask are:
- Do they have 24-hour customer assistance?
- Which insurance company do they prefer to write with?
- Which members of your family are coverage by the policy?
- Is auto insurance their primary focus in Omaha?
- Will the agent or a CSR service your policy?
- What are their preferred companies if they are an independent agency?
- Is the quote a firm price?
More comparisons equals cheaper rates
Drivers who switch companies do it for a number of reasons such as lack of trust in their agent, poor customer service, being labeled a high risk driver or an unsatisfactory settlement offer. It doesn’t matter why you want to switch choosing a new insurance company can be less work than you think.
We just presented a lot of ways to get a better price on Mazda RX-8 insurance in Omaha. The key concept to understand is the more providers you compare, the better your chances of lowering your rates. Drivers may even discover the best prices are with some of the lesser-known companies.
Budget-conscious Mazda RX-8 insurance is available on the web in addition to local insurance agencies, and you should compare rates from both so you have a total pricing picture. Some insurance providers may not have rates over the internet and many times these small, regional companies provide coverage only through local independent agencies.
Steps to finding low-cost rates for Mazda RX-8 insurance in Omaha
If saving the most money is your goal, then the best way to find the cheapest price for Mazda RX-8 insurance is to start comparing prices regularly from different companies in Omaha. Rates can be compared by completing these steps.
- Try to understand how insurance companies determine prices and the factors you can control to keep rates low. Many things that cause rate increases like accidents, careless driving, and a bad credit score can be eliminated by being financially responsible and driving safely.
- Obtain price quotes from independent agents, exclusive agents, and direct companies. Direct and exclusive agents can provide rates from one company like Progressive or Allstate, while agents who are independent can provide price quotes from many different companies.
- Compare the new rate quotes to your existing coverage to determine if switching companies saves money. If you find a better price and change companies, make sure the effective date of the new policy is the same as the expiration date of the old one.
- Give notification to your current company to cancel your current coverage. Submit a completed application and payment to your new company or agent. Once received, place the new certificate of insurance with your registration paperwork.
The most important part of this process is to make sure you enter similar limits and deductibles on each price quote and and to get quotes from as many companies as possible. This enables a fair rate comparison and a complete selection of prices.
Additional information
- If I File a Claim will My Insurance Go Up? (Insurance Information Institute)
- How Much are Auto Insurance Rates for a Mazda CX-7 in Omaha? (FAQ)
- What is the Best Cheap Auto Insurance in Omaha, Nebraska? (FAQ)
- How Much are Auto Insurance Quotes for a Toyota RAV4 in Omaha? (FAQ)
- How Much is Car Insurance for Drivers Over Age 50 in Omaha? (FAQ)
- Who Has Cheap Car Insurance for a Kia Optima in Omaha? (FAQ)
- What Determines the Price of My Auto Insurance Policy? (Insurance Information Institute)
- Should I Buy a New or Used Car? (Allstate)
- Rental Reimbursement Coverage (Allstate)
- Older Drivers FAQ (iihs.org)