Compare 2003 Mazda Tribute Car Insurance Cost

Are you tired of not being able to scrape enough together to pay your insurance coverage bill each month? You have the same problem as many other consumers.

Online insurance companies like Geico, Progressive and Allstate persitently shower you with catchy ads and it is difficult to ignore the propoganda and do the work needed to find the best deal.

It’s important to quote other rates before your policy renews because insurance coverage rates tend to go up over time. If you had the best premium rates for Tribute insurance two years ago you may be paying too much now. There is a lot of wrong information about insurance coverage online but by reading this article, you’re going to learn the best ways to find affordable insurance coverage.

If you currently have a car insurance policy, you stand a good chance to be able to reduce your rates substantially using this strategy. Choosing the best insurance company for you is not rocket science. But consumers do need to learn how insurance companies market insurance on the web and take advantage of how the system works.

How to get cheap auto insurance

When shopping for auto insurance there are multiple ways to obtain and compare prices from different insurance companies. By far the easiest way to lower the rate you pay for 2003 Mazda Tribute insurance is to get quotes online. This can be done in a couple minutes as outlined below.

  1. If you are pressed for time, the simplest way to get the best comparison quotes is an all-inclusive rate comparison like this one (opens in new window). This form prevents you from having to do separate quotation requests for each company you want a rate for. Just one form will get you rate comparisons from multiple companies.
  2. A slightly less efficient method to find lower rates requires a trip to each company’s website and get a separate price quote. For examples sake, let’s assume you want to compare rates from Nationwide, Farmers and GMAC. You would need to spend time going to each site individually and repeatedly type in your coverage information, which is not fast way to get rate quotes. To view a list of companies in your area, click here.
  3. The final method to get price estimates is to spend your day driving to local insurance agencies. Comparing rate quotes online makes this process obsolete unless you require the professional guidance of a local agent. However, consumers can obtain prices from the web and have a local agent actually service the policy.

It’s your choice how you get your quotes, but compare the same coverages for each price quote. If you are comparing different liability limits it will be impossible to make a fair comparison for your Mazda Tribute. Just slight variations in coverages can result in a big premium difference. And when comparing auto insurance rates, know that comparing a large number of companies helps you find the best price.

Insurance rates and discounts

Some insurers don’t always list every available discount in an easy-to-find place, so the following is a list of both well-publicized as well as some of the hidden discounts that you can inquire about if you buy car insurance online.

  • Bundle and Save – If you can bundle your auto and home insurance and insure them both with the same insurance company you could earn a discount of over 10 percent off each policy depending on the company.
  • Discount for Low Mileage – Driving fewer miles may enable drivers to earn cheaper rates.
  • College Student – College-age children who live away from home at college and do not take a car to college could get you a discount.
  • Anti-lock Brake Discount – Cars, trucks, and SUVs that have anti-lock braking systems can stop better under adverse conditions and qualify for as much as a 10% discount.
  • Safe Driver Discounts – Insureds without accidents can save as much as half off their rates for Tribute insurance than drivers with accidents.
  • Theft Deterent System – Cars and trucks with anti-theft systems can help prevent theft and qualify for as much as a 10% discount.
  • Military Discounts – Having a deployed family member could qualify you for better prices.

Consumers should know that most of the big mark downs will not be given the the whole policy. Most only reduce specific coverage prices like collision or personal injury protection. If you do the math and it seems like having all the discounts means you get insurance for free, you aren’t that lucky.

To choose insurers with the best discounts, click here to view.

Situations that may require an agent’s advice

When it comes to choosing the best auto insurance coverage, there isn’t really a “perfect” insurance plan. Every insured’s situation is different and your policy should reflect that. For instance, these questions might point out whether you might need professional guidance.

  • Does my insurance cover damage caused when ticketed for reckless driving?
  • Does medical payments coverage apply to all occupants?
  • Do I need replacement cost coverage?
  • Is business equipment covered while in my vehicle?
  • I don’t drive much so do I pay less?
  • Do I need to file an SR-22 for a DUI in my state?
  • Will my rates increase for filing one claim?
  • At what point should I drop full coverage?
  • Do I have coverage when making deliveries for my home business?

If you’re not sure about those questions but you know they apply to you, you might consider talking to a licensed insurance agent. To find lower rates from a local agent, complete this form or you can go here for a list of companies in your area.

What determines Mazda Tribute insurance costs?

Part of the car insurance buying process is learning some of the things that come into play when calculating the rates you pay for car insurance. If you understand what impacts premium levels, this allows you to make good choices that may reward you with lower premium levels. Many different elements are used when pricing auto insurance. Some of the criteria are obvious like a motor vehicle report, but other factors are less apparent such as your marital status or your financial responsibility.

Shown below are some of the factors used by your company to calculate rates.

  • Does your occupation raise your prices? – Careers like fire fightersairline pilots and stock brokers generally have higher rates than average attributed to intense work requirements and lengthy work days. Other jobs such as actors, students and retirees get better rates for Tribute insurance.
  • Prevent theft and reduce car insurance rates – Selecting a car model with an alarm system can earn a premium discount. Systems that thwart theives such as OnStar, LoJack tracking, and tamper alarms all hinder your vehicle from being stolen.
  • Low physical damage deductibles mean high costs – Your deductibles tell how much you are required to spend if you file a covered claim. Protection for physical damage, also called comprehensive and collision insurance, is used to repair damage to your car. Examples of some claims that would be covered are colliding with a stationary object, damage caused by hail, and damage caused by road hazards. The higher the amount you have to pay, the lower your rates will be for Tribute insurance.
  • Marriage can save you money – Having a significant other can get you a discount when buying car insurance. It means you’re more responsible it has been statistically shown that married drivers tend to file fewer claims.
  • Cautious drivers pay less – Attentive drivers have lower premiums than their less careful counterparts. Having just one speeding ticket may cause rates to rise by twenty percent. Drivers unfortunate enough to have careless violations such as hit and run, DWI or reckless driving convictions may find they need to maintain a SR-22 with their state motor vehicle department in order to prevent their license from being revoked.

Specific coverages for a Mazda Tribute

Having a good grasp of a insurance policy aids in choosing which coverages you need for your vehicles. Insurance terms can be impossible to understand and even agents have difficulty translating policy wording. Below you’ll find typical coverage types found on the average insurance policy.

Comprehensive insurance

Comprehensive insurance coverage will pay to fix damage caused by mother nature, theft, vandalism and other events. You need to pay your deductible first then the remaining damage will be covered by your comprehensive coverage.

Comprehensive insurance covers claims such as fire damage, a tree branch falling on your vehicle, theft, damage from a tornado or hurricane and vandalism. The maximum payout a insurance company will pay at claim time is the actual cash value, so if it’s not worth much more than your deductible consider dropping full coverage.

Liability

This provides protection from injuries or damage you cause to people or other property. It protects YOU from legal claims by others, and doesn’t cover your injuries or vehicle damage.

It consists of three limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. As an example, you may have limits of 50/100/50 which means $50,000 bodily injury coverage, a total of $100,000 of bodily injury coverage per accident, and a total limit of $50,000 for damage to vehicles and property. Occasionally you may see a combined limit that pays claims from the same limit without having the split limit caps.

Liability can pay for things like funeral expenses, attorney fees, pain and suffering and loss of income. The amount of liability coverage you purchase is a decision to put some thought into, but you should buy as large an amount as possible.

Uninsured/Underinsured Motorist (UM/UIM)

Your UM/UIM coverage gives you protection from other motorists when they either have no liability insurance or not enough. This coverage pays for hospital bills for your injuries and also any damage incurred to your Mazda Tribute.

Since a lot of drivers have only the minimum liability required by law, it doesn’t take a major accident to exceed their coverage limits. So UM/UIM coverage is very important. Frequently your uninsured/underinsured motorist coverages are similar to your liability insurance amounts.

Med pay and Personal Injury Protection (PIP)

Coverage for medical payments and/or PIP reimburse you for expenses for things like prosthetic devices, dental work and chiropractic care. They are used to fill the gap from your health insurance plan or if you do not have health coverage. Coverage applies to not only the driver but also the vehicle occupants and also covers getting struck while a pedestrian. Personal Injury Protection is not an option in every state and may carry a deductible

Collision insurance

This coverage covers damage to your Tribute resulting from colliding with an object or car. You have to pay a deductible and the rest of the damage will be paid by collision coverage.

Collision coverage protects against claims such as crashing into a building, sideswiping another vehicle and damaging your car on a curb. This coverage can be expensive, so consider removing coverage from older vehicles. You can also bump up the deductible to get cheaper collision coverage.

One last thing about your coverage

As you quote car insurance, do not reduce coverage to reduce premium. Too many times, consumers will sacrifice liability coverage limits only to regret at claim time that the few dollars in savings costed them thousands. The ultimate goal is to purchase a proper amount of coverage for the lowest cost, but do not sacrifice coverage to save money.

In this article, we covered a lot of ways to compare 2003 Mazda Tribute insurance prices online. It’s most important to understand that the more companies you get rates for, the higher your chance of finding inexpensive car insurance. Consumers may even find the lowest priced car insurance comes from the smaller companies. They may only write in your state and offer lower rates than the large multi-state companies such as Progressive and Geico.

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Comments About 2003 Mazda Tribute Insurance

  1. Trang Shelton

    Well-written and thought out article. I’m in the west part of Atlanta, GA. Got free quotes online for a 2003 Mazda Tribute. Ended up at about $90 savings annually. Went with GEICO. Good multi-policy discounts.

  2. Elane Hutchinson

    I got decent rates for a 2003 Mazda Tribute in West Valley City, UT. Ended up at right around $110 every six months with AIG Insurance. I’m a pretty good driver though. Are quotes cheaper online?

  3. Thresa Fox

    Does 21st Century use ACV or replacement cost?

  4. Lynne Patrick

    I’m from Bridgeport, Connecticut. Compared rates from a lot of places. Saved right around $30 a month. State Farm was the cheapest for me. You can get a rate quote online.

  5. Reagan Roberts

    Good detail in your article. I live in a small town just outside of Miami, FL. Got quotes with GEICO, Auto-Owners, and Erie for my Mazda and saved just over $110 a year. Was with GEICO. :) Next renewal I’ll just do liability.

  6. Shon Pennington

    Located in Las Vegas, Nevada. Got quotes with Amica, Nationwide, and a few others for my Tribute and saved $103 a year. Left State Farm to switch. They were helpful in switching over.

  7. Jimmie Tanner

    I’m in the north part of Fort Wayne, Indiana. Quoted with Allstate, AIG Insurance, and some I forget for my Tribute and saved $117 a year. Was with State Farm. Are quotes cheaper online?