Cheap 2004 Mazda Tribute Insurance Quotes

Being forced to pay for pricey insurance premiums can dry up your savings, especially in this economy. Doing a rate comparison is free, only takes a few minutes, and is a good way to reduce premiums and put more money in your pocket.

Multiple auto insurance companies compete to insure your vehicles, so it’s not easy to compare every insurance company to find the absolute lowest rate possible.

If you are insured now or are just looking to switch companies, you can follow these tips to find the best rates and still get good coverage. Buying car insurance is quite easy. Vehicle owners just need to learn the tricks to find the lowest price online.

How to compare free auto insurance price quotes

Performing a rate comparison can take hours if you don’t know the best way to get rate quotes. You can spend countless hours talking about coverages with insurance companies in your area, or you could save time and use the internet to get rates in a matter of minutes.

Most major companies participate in an industry program where prospective buyers only type in their quote data once, and each participating company returns a rated price based on that data. This eliminates the need for quote requests to each company.

To find out what other companies charge click here (opens in new window).

One minor caviat to using this type of system is you are unable to specify the companies you want pricing from. So if you prefer to pick specific insurance companies to request quotes from, we have a page of companies who write auto insurance in your area. Click here to view list.

It doesn’t matter which method you choose, just do your best to use apples-to-apples quote information for each comparison quote. If you use different liability limits you can’t possibly find the best deal for your Mazda Tribute.

Discounts to earn cheaper car insurance rates

Car insurance is not an enjoyable expense, but you may qualify for discounts to reduce the price significantly. Larger premium reductions will be automatically applied at quote time, but occassionally some discounts must be specially asked for prior to getting the savings.

  • Onboard Data Collection – Drivers who agree to allow driving data collection to spy on when and where they use their vehicle remotely like Allstate’s Drivewise may see discounts as long as they are good drivers.
  • Low Miles Discount – Keeping the miles down on your Mazda can earn slightly better rates than normal.
  • No Charge for an Accident – but a handful of insurance companies will forgive one accident without raising rates so long as you haven’t had any claims prior to being involved in the accident.
  • Smart Student Discounts – Excelling in school may save you up to 25%. You can use this discount normally well after school through age 25.
  • Active Service Discounts – Being on active duty in the military can result in better car insurance rates.
  • Air Bags and Passive Restraints – Vehicles equipped with air bags or motorized seat belts may get savings of more than 20%.
  • Government Employees – Being employed by or retired from a federal job could qualify for a slight premium decrease on Tribute coverage with a few car insurance companies.
  • Discounts for Cautious Drivers – Insureds who avoid accidents can save as much as half off their rates on Tribute coverage compared to accident prone drivers.
  • Theft Deterent System – Vehicles equipped with anti-theft or alarm systems prevent vehicle theft and will save you 10% or more.
  • Accident-Free Discounts – Drivers who stay claim-free are rewarded with significantly better rates on car insurance quote as opposed to insureds who have frequent claims or accidents.

Discounts lower rates, but most discounts do not apply to all coverage premiums. Most only apply to specific coverage prices like liability and collision coverage. Even though it may seem like all the discounts add up to a free policy, it doesn’t quite work that way.

Car insurance companies that may offer some of the discounts shown above include:

Double check with every insurance company the best way to save money. Discounts might not be offered in your area. To see a list of insurance companies offering car insurance discounts, click here.

Tailor your car insurance coverage to you

When it comes to choosing proper insurance coverage, there isn’t really a one size fits all plan. Every insured’s situation is different and your policy should reflect that. For instance, these questions could help you determine if your insurance needs might need professional guidance.

  • Do I need replacement cost coverage?
  • What is an SR-22 filing?
  • Do I need PIP (personal injury protection) coverage in my state?
  • Am I insured when driving a different vehicle?
  • Do I need higher collision deductibles?
  • Is my 2004 Mazda Tribute covered for flood damage?
  • When can I cancel my policy?
  • Am I covered if hit by an uninsured driver?

If you’re not sure about those questions but you know they apply to you then you might want to talk to a licensed agent. To find an agent in your area, fill out this quick form or you can also visit this page to select a carrier It’s fast, doesn’t cost anything and can help protect your family.

Car insurance coverage information

Learning about specific coverages of your insurance policy can help you determine the best coverages for your vehicles. The coverage terms in a policy can be confusing and even agents have difficulty translating policy wording. Below you’ll find typical coverage types found on most insurance policies.

Comprehensive coverage (or Other than Collision)

This pays to fix your vehicle from damage OTHER than collision with another vehicle or object. You first must pay your deductible and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive coverage protects against things such as theft, hitting a bird, falling objects and damage from getting keyed. The highest amount your insurance company will pay is the market value of your vehicle, so if the vehicle is not worth much it’s not worth carrying full coverage.

Uninsured Motorist or Underinsured Motorist insurance

Your UM/UIM coverage provides protection when the “other guys” are uninsured or don’t have enough coverage. Covered losses include injuries sustained by your vehicle’s occupants and also any damage incurred to your Mazda Tribute.

Because many people only purchase the least amount of liability that is required, it doesn’t take a major accident to exceed their coverage limits. So UM/UIM coverage is important protection for you and your family.

Insurance for medical payments

Coverage for medical payments and/or PIP reimburse you for immediate expenses for things like ambulance fees, funeral costs, prosthetic devices and chiropractic care. They are often used to fill the gap from your health insurance policy or if you are not covered by health insurance. They cover not only the driver but also the vehicle occupants as well as any family member struck as a pedestrian. Personal injury protection coverage is not an option in every state and may carry a deductible

Coverage for collisions

Collision coverage pays to fix your vehicle from damage caused by collision with another vehicle or an object, but not an animal. A deductible applies and the rest of the damage will be paid by collision coverage.

Collision can pay for things like backing into a parked car, hitting a parking meter, colliding with another moving vehicle, damaging your car on a curb and crashing into a ditch. Collision is rather expensive coverage, so you might think about dropping it from vehicles that are older. Another option is to raise the deductible in order to get cheaper collision rates.

Liability car insurance

Liability coverage protects you from damages or injuries you inflict on other’s property or people. This coverage protects you from claims by other people, and doesn’t cover your own vehicle damage or injuries.

It consists of three limits, bodily injury per person, bodily injury per accident and property damage. You might see values of 50/100/50 that translate to $50,000 bodily injury coverage, a per accident bodily injury limit of $100,000, and a limit of $50,000 paid for damaged property.

Liability coverage protects against claims like repair costs for stationary objects, structural damage, court costs, pain and suffering and bail bonds. How much liability coverage do you need? That is a decision to put some thought into, but it’s cheap coverage so purchase as high a limit as you can afford.

Comments About 2004 Mazda Tribute Insurance

  1. Terry Leblanc

    Does Nevada require a SR-22 after a DUI?

  2. Kyoko Neal

    I compared a lot of rate quotes for a 2004 Mazda Tribute in New York City, New York. Ended up at right around $100 every six months with AIG Insurance. Moved home policy as well. Still almost need a second mortgage.

  3. Merlyn Christensen

    Live in the northern part of Warwick, RI. Received quotes from Progressive, Liberty Mutual, and Esurance for my 2004 Mazda Tribute and saved $103 a year. It’s easy to compare rates online now.

  4. Kris Ball

    Got pretty cheap 2004 Mazda Tribute insurance from Allstate in Jersey City, NJ.

  5. Salley Salazar

    I’m in the south part of Indianapolis, Indiana. Received quotes from AAA, MetLife, and Travelers for my 2004 Mazda Tribute and I’m now saving $16 a month. My new agent seems to be really good. Highly recommended. My Mazda doesn’t have full coverage.

  6. Sonya Middleton

    It all costs too much. From northwest of Reno, NV. Quoted with Amica, Safeco, and some smaller one I can’t remember the name of for my 2004 Mazda Tribute and saved $84 a year. They have free quotes online.

  7. Merlin Schmidt

    Lots of useful info here. I’m in the west part of New Haven, CT. Checked online prices for a 2004 Mazda Tribute. Ended up at about $80 savings annually. Went with 21st Century. :) I don’t insure for physical damage though.

  8. Loise Odonnell

    Just my two cents. From Manchester, New Hampshire. Got quotes with Progressive, AAA, and some I forget for my 2004 Mazda Tribute and I think I saved around $30 each month. Insured with Hartford before.

  9. Aron Robertson

    I think Progressive has low rates in Georgia. For me anyway.

  10. Wallace Cash

    If you have a good history and live around Sioux Falls, SD, check out Allstate. They seem to be cheaper. Good multi-policy discounts. Book value doesn’t justify full coverage anymore.

  11. Anjelica Whitney

    I’m in the east part of Columbia, SC. I compared lots of rates. Saved roughly $20 a month. 21st Century was the best choice for me. I even had a DUI years ago. Not worth enough to pay for comprehensive and collision.

  12. Wai Ratliff

    This is too expensive. From Fairbanks, Alaska. Got prices from Nationwide, Erie, State Farm, and American Family for my Mazda and I’m now saving $17 a month. Insured with GEICO before. Might find lower rates online.

  13. Migdalia Copeland

    If you have a good history and live around Parkersburg, West Virginia, check out 21st Century. I saved quite a bit. My new agent seems to be really good. Did it all online. Liability only on my Tribute.

  14. Pasquale Morin

    I’m in the north part of Kailua, HI. Quoted prices from State Farm, Auto-Owners, Esurance, and The General for my Tribute and I think I cut my rates about $20 each month. Insured with Eastwood before. I quoted rates online then called them.

  15. Ione Lamb

    Does Pennsylvania require liability coverage?

  16. Wilbur Chase

    State Farm has the cheapest rates in Illinois. No comparison.

  17. Cathryn Massey

    Too expensive. I ride a bike.