2002 Mazda Tribute Car Insurance Quotes

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Jeffrey Johnson graduated summa cum laude from the University of Baltimore School of Law and has worked in legal offices and nonprofits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman University and worked in film, education, and publishing. His professional writing has appeared on sites like The Manifest and Vice, and he is the author of a novel ...

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Written by Jeffrey Johnson
Insurance Lawyer Jeffrey Johnson

UPDATED: Dec 7, 2021

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Are you tired of scraping the payment together to buy car insurance? You’re in the same situation as the majority of other car owners. Insurance companies such as State Farm and GEICO constantly bombard you with fancy advertisements and it is difficult to see through the cute green geckos and mayhem and effectively compare rates to find the best deal.

If you have a policy now or need a new policy, you can learn to shop for the lowest rates and still get good coverage. Finding the best rates is easy if you know what you’re doing. Drivers only need an understanding of the proper methods to compare rates over the internet.

Why you might be paying too much to insure your Mazda Tribute

An important part of buying insurance is that you know the factors that come into play when calculating your auto insurance rates. Knowing what impacts premium levels allows you to make educated decisions that will entitle you to better auto insurance rates.

  • Multiple policies with one company can save – The majority of auto insurance companies will give a discount to policyholders who have multiple policies with them in the form of a multi-policy discount. Even with this discount, it’s in your best interest to compare rates to make sure you are getting the best deal. Consumers may find a better deal by splitting coverages up.
  • High numbers of claims are not good – Auto insurance companies generally give better rates to policyholders who are claim-free. If you are a frequent claim filer, you can pretty much guarantee either a policy non-renewal or much higher rates. Auto insurance is intended to be relied upon for the bigger claims that can’t be paid out-of-pocket.
  • Do you know you’re credit rating? – A driver’s credit rating is a important factor in calculating your auto insurance rates. Drivers who have excellent credit tend to be better drivers and file fewer claims as compared to drivers with lower credit scores. So if your credit can use some improvement, you could save money insuring your 2002 Mazda Tribute by improving your credit score.
  • Your car’s features help determine rates – Purchasing a vehicle with an alarm system can help bring down rates. Anti-theft features like tamper alarm systems, vehicle immobilizer technology and General Motors OnStar all aid in stopping auto theft.
  • Where you live can impact rates – Being located in small towns and rural areas can save you money when talking about auto insurance. Drivers who live in large cities tend to have traffic congestion and much longer commute distances. Fewer people means fewer accidents.

Don’t pay full price with these discounts

Properly insuring your vehicles can get expensive, but there could be available discounts that you may not even be aware of. Larger premium reductions will be automatically applied at the time of purchase, but less common discounts must be asked for in order for you to get them. If you don’t get every credit you qualify for, you’re just leaving money on the table.

  • Life Insurance Discount – Select insurance companies reward you with lower rates if you buy auto and life insurance together.
  • Early Switch Discount – A few companies offer discounts for signing up prior to your current policy expiration. It’s a savings of about 10%.
  • New Car Discount – Buying coverage on a new vehicle can be considerably cheaper compared to insuring an older model.
  • Memberships – Participating in a professional or civic organization may earn a discount on your policy for Tribute insurance.
  • Accident Forgiveness – A handful of insurance companies will allow you to have one accident before raising your premiums so long as you haven’t had any claims for a set time period.
  • Drivers Ed for Students – Make teen driver coverage more affordable by requiring them to complete a driver education course in high school.
  • Military Rewards – Being on active duty in the military could mean lower rates.
  • Defensive Driver – Taking a course in driver safety could save 5% or more if your company offers it.
  • Bundle and Save – When you combine your home and auto insurance with the same insurance company you may earn at least 10% off all policies.
  • Anti-lock Brake System – Cars that have steering control and anti-lock brakes can avoid accidents and earn discounts up to 10%.

As a disclaimer on discounts, some of the credits will not apply to your bottom line cost. A few only apply to individual premiums such as medical payments or collision. So when it seems like it’s possible to get free car insurance, auto insurance companies aren’t that generous. But any discount will cut your premiums.

Do drivers who switch really save?

Consumers get pounded daily by advertisements that promise big savings by Allstate, GEICO and Progressive. All the companies make the same claim that you can save if you change to their company.

How do they all make the same claim?

All companies are able to cherry pick for the type of driver that is profitable for them. For instance, a preferred risk could be between 25 and 40, has no prior claims, and chooses high deductibles. Any driver who matches those parameters will qualify for the lowest rates and most likely will save when they switch companies.

Consumers who fall outside these standards will be quoted a more expensive rate and this can result in business going elsewhere. The ad wording is “drivers who switch” not “people who quote” save money. That is how companies can truthfully make those claims.

This emphasizes why drivers must get a wide range of price quotes. It’s impossible to know which company will provide you with the cheapest Mazda Tribute insurance rates.

Your personal situation dictates your coverage

When choosing proper insurance coverage for your personal vehicles, there really is not a cookie cutter policy. Everyone’s situation is a little different and a cookie cutter policy won’t apply. For example, these questions might help in determining if you would benefit from professional advice.

  • How much liability coverage do I need in my state?
  • Do I really need UM/UIM coverage?
  • Do I have coverage when using my vehicle for my home business?
  • Am I covered by my spouse’s policy after a separation?
  • Am I covered if I crash into my own garage door?
  • What is no-fault insurance?
  • What if I don’t agree with a claim settlement offer?
  • What can I do if my company denied a claim?
  • Should I have a commercial auto policy?
  • Should I carry comprehensive and collision coverage?

Coverage specifics

Knowing the specifics of your policy can help you determine which coverages you need for your vehicles. Policy terminology can be ambiguous and nobody wants to actually read their policy. Below you’ll find typical coverages found on the average insurance policy.

Medical expense insurance – Medical payments and Personal Injury Protection insurance kick in for bills for doctor visits, prosthetic devices and surgery. They are often used to fill the gap from your health insurance policy or if you are not covered by health insurance. Coverage applies to not only the driver but also the vehicle occupants and will also cover any family member struck as a pedestrian. PIP coverage is only offered in select states and gives slightly broader coverage than med pay

Protection from uninsured/underinsured drivers – This coverage gives you protection from other drivers when they are uninsured or don’t have enough coverage. Covered losses include medical payments for you and your occupants and damage to your Mazda Tribute.

Since a lot of drivers only purchase the least amount of liability that is required, their limits can quickly be used up. So UM/UIM coverage should not be overlooked. Normally these coverages are similar to your liability insurance amounts.

Liability coverage – Liability insurance provides protection from damage or injury you incur to other’s property or people in an accident. 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 for each person injured, bodily injury for the entire accident and a property damage limit. As an example, you may have limits of 25/50/25 that means you have $25,000 in coverage for each person’s injuries, a limit of $50,000 in injury protection per accident, and property damage coverage for $25,000. Occasionally you may see a combined single limit or CSL that pays claims from the same limit rather than limiting it on a per person basis.

Liability coverage pays for claims like bail bonds, structural damage, legal defense fees, pain and suffering and medical services. How much liability should you purchase? That is a personal decision, but it’s cheap coverage so purchase as high a limit as you can afford.

Collision coverages – Collision coverage pays to fix your vehicle from damage from colliding with a stationary object or other vehicle. You will need to pay your deductible then your collision coverage will kick in.

Collision coverage pays for claims such as scraping a guard rail, driving through your garage door, crashing into a building, crashing into a ditch and hitting a parking meter. Collision coverage makes up a good portion of your premium, so you might think about dropping it from older vehicles. Another option is to bump up the deductible to get cheaper collision coverage.

Comprehensive (Other than Collision) – Comprehensive insurance coverage will pay to fix damage caused by mother nature, theft, vandalism and other events. A deductible will apply then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage protects against claims like theft, hail damage, fire damage, hitting a deer and rock chips in glass. The maximum payout you’ll receive from a claim is the ACV or actual cash value, so if the vehicle’s value is low it’s probably time to drop comprehensive insurance.

Smart consumers save more

We just covered a lot of information how to save on 2002 Mazda Tribute insurance. The key concept to understand is the more rate comparisons you have, the better chance you’ll have of finding lower rates. Drivers may discover the most savings is with a lesser-known regional company. These smaller insurers may only write in your state and offer lower rates than their larger competitors like State Farm, GEICO and Nationwide.

While you’re price shopping online, don’t be tempted to buy less coverage just to save a little money. In too many instances, an accident victim reduced uninsured motorist or liability limits and learned later that the few dollars in savings costed them thousands. The aim is to buy the best coverage you can find at an affordable rate while not skimping on critical coverages.

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