How Much Does 2003 Mazda Tribute Insurance Cost?

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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: May 12, 2022

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Want lower insurance rates for your Mazda Tribute? Are you a victim of high-priced insurance? Believe me, many consumers feel financially strained by their insurance policy. Since consumers have many insurance companies to choose from, it is very difficult to locate the right car insurance company.

Finding the best rates is quite easy. If you are insured now or are looking for a new policy, you can use this information to shop for the lowest rates while maintaining coverages. Drivers just need to learn the most effective way to shop for car insurance on the web.

Car Insurance Prices

Getting a cheaper price on 2003 Mazda Tribute insurance isn’t really that difficult. All you need to do is spend a few minutes comparing price quotes online with multiple companies. This can be accomplished in just a few minutes using one of these methods.

  1. Probably the best way to get quotes would be an industry-wide quote request form like this one (opens in new window). This type of form saves time by eliminating separate quotes to each individual car insurance company. One simple form gets you coverage quotes from many national carriers.
  2. A slightly less efficient method to find lower rates requires you to visit the website of each company to complete their respective quote request forms. For instance, we’ll pretend you want to compare Farmers, Progressive and GEICO. To get each rate you have to take the time to go to each site to input your insurance information, which is why the first method is more popular.

    For a handy list of car insurance company links in your area, click here.

Which method you use is up to you, but ensure you’re using exactly the same coverage limits and deductibles for every quote you compare. If the quotes have different liability limits it’s impossible to determine which rate is truly the best.

When might I need help?

When it comes to choosing the best car insurance coverage for your personal vehicles, there isn’t really a “best” method to buy coverage. Every situation is different and your policy should reflect that. For example, these questions might help in determining if your insurance needs would benefit from professional advice.

  • Is business property covered if stolen from my car?
  • Does my personal policy cover me when driving out-of-state?
  • Am I covered by my employer’s commercial auto policy when driving my personal car for business?
  • Do I need medical payments coverage since I have good health insurance?
  • How do I buy GAP insurance?
  • Is my ex-spouse still covered by my policy?
  • Do I pay less for low miles?

If you’re not sure about those questions then you might want to talk to a licensed insurance agent. If you don’t have a local agent, take a second and complete this form or you can go here for a list of companies in your area. It only takes a few minutes and can help protect your family.

Specific coverage details

Understanding the coverages of a car insurance policy can help you determine the best coverages at the best deductibles and correct limits. The terms used in a policy can be impossible to understand and coverage can change by endorsement. Shown next are the normal coverages found on most car insurance policies.

Liability insurance

This coverage will cover damage or injury you incur to other’s property or people. It protects you against claims from other people, and does not provide coverage for damage to your own property or vehicle.

Liability coverage has three limits: bodily injury per person, bodily injury per accident and property damage. As an example, you may have values of 50/100/50 which stand for a $50,000 limit per person for injuries, a total of $100,000 of bodily injury coverage per accident, and $50,000 of coverage for damaged property.

Liability coverage pays for claims like attorney fees, medical expenses, funeral expenses and bail bonds. The amount of liability coverage you purchase is a decision to put some thought into, but it’s cheap coverage so purchase higher limits if possible.

UM/UIM (Uninsured/Underinsured Motorist) coverage

Uninsured or Underinsured Motorist coverage protects you and your vehicle’s occupants when the “other guys” do not carry enough liability coverage. Covered claims include medical payments for you and your occupants as well as damage to your Mazda Tribute.

Because many people only carry the minimum required liability limits, it doesn’t take a major accident to exceed their coverage limits. So UM/UIM coverage is very important.

Comprehensive auto coverage

This pays for damage OTHER than collision with another vehicle or object. You first have to pay a deductible and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive can pay for things like damage from flooding, a tree branch falling on your vehicle and hitting a deer. The highest amount you’ll receive from a claim is the market value of your vehicle, so if it’s not worth much more than your deductible it’s not worth carrying full coverage.

Collision insurance

This will pay to fix damage to your Tribute caused by collision with another vehicle or an object, but not an animal. You first must pay a deductible then the remaining damage will be paid by your insurance company.

Collision coverage protects against claims like damaging your car on a curb, sustaining damage from a pot hole, scraping a guard rail and backing into a parked car. Paying for collision coverage can be pricey, so you might think about dropping it from lower value vehicles. Drivers also have the option to choose a higher deductible to get cheaper collision coverage.

Medical payments and PIP coverage

Coverage for medical payments and/or PIP reimburse you for immediate expenses for things like funeral costs, X-ray expenses, prosthetic devices and rehabilitation expenses. They can be used to cover expenses not covered by your health insurance plan or if you are not covered by health insurance. Medical payments and PIP cover not only the driver but also the vehicle occupants as well as getting struck while a pedestrian. Personal injury protection coverage is not universally available and may carry a deductible

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