Q: What type of car insurance should I get if I'm a new driver and bought a 2012 Mazda RX8?
Apr 23, 2021

I'm a 19-year-old woman who recently got a 2012 Mazda RX8. I know nothing about how liability or deductibles work, but I also want the cheapest coverage. What should I do?

Answer provided by
Eric Schad
Eric Schad has been a freelance writer for nearly a decade, as well as an SEO specialist and editor for the past five years. Before getting behind the keyboard, he worked in the finance and music industries (the perfect combo). With a wide array of professional and personal experiences, he’s developed a knack for tone and branding across many different verticals. Away from the computer, Schad is a blues guitar shredder, crazed sports fan, and always down for a spontaneous trip anywhere around the globe.

“Sweet ride! While you might love driving your Mazda, it’s also going to be expensive to insure because you’re young and it’s a sports car.

Liability insurance pays for the other driver’s medical bills and property damage in an accident if you’re at fault. A deductible is the amount you have to pay out of pocket to get your car fixed. Once you pay this amount, your insurance will cover the rest.

Because you have a fancier sports car, you might want to get full coverage. This typically includes:

  • Liability insurance, as mentioned above
  • Collision insurance, which covers damage to your vehicle
  • Comprehensive insurance, which covers damage to your car that’s not the result of a collision

Through this full coverage, you can make sure that your car and other motorists are covered. However, this level of protection is going to come at a greater cost than a liability-only policy.

You can shop for car insurance quotes online to find the best rates available. Consider signing up with Jerry, a free insurance-shopping app can provide you with competitive quotes in under a minute.”

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This app is truly amazing and I recommend it to everyone. They were able to save me over $100/yr on car insurance, and I hardly had to do a thing. They got finalized quotes for me in minutes, and I didn't have to call anyone. They also canceled my old policy, and got me on to my new one for me!