Cheapest 2004 Mazda Tribute Insurance Rates in 2024

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Jeffrey Johnson

Insurance Lawyer

Jeffrey Johnson is a legal writer with a focus on personal injury. He has worked on personal injury and sovereign immunity litigation in addition to experience in family, estate, and criminal law. He earned a J.D. from the University of Baltimore and has worked in legal offices and non-profits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman Univer...

Insurance Lawyer

UPDATED: Jun 3, 2023

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Want better auto insurance rates for your Mazda Tribute? Expensive auto insurance can dwindle your bank account and force you to make sacrifices. Comparison shopping is free and is an excellent way to tighten up your finances. Because there are so many companies and agents to choose from, it can be hard to locate the cheapest insurer.

It’s important to price shop coverage occasionally because insurance rates trend upward over time. Just because you had the best deal for Tribute insurance last year you will most likely find a better rate today. There is a lot of bad information regarding auto insurance online, so we’re going to give you the best ways to reduce your auto insurance bill.

Save big with these discounts

Companies that sell car insurance don’t list all available discounts in an easy-to-find place, so we break down some of the best known as well as the least known savings tricks you should be using. If they aren’t giving you every credit you qualify for, you are throwing money away.

  • Seat Belts Save – Using a seat belt and requiring all passengers to wear their seat belts can save 10% or more on the medical payments or PIP coverage costs.
  • Employee of Federal Government – Active or retired federal employment can save as much as 8% for Tribute insurance depending on your company.
  • College Student – Children who live away from home and do not have a car can receive lower rates.
  • Anti-theft System – Cars that have factory anti-theft systems help deter theft and therefore earn up to a 10% discount.
  • E-sign – A handful of insurance companies will give a small break just for signing your application online.

It’s important to note that many deductions do not apply to all coverage premiums. Most only cut specific coverage prices like collision or personal injury protection. So even though it sounds like all those discounts means the company will pay you, you’re out of luck.

Car insurance companies who might offer these money-saving discounts are:

It’s a good idea to ask each insurance company which discounts you may be entitled to. Savings might not apply in every state.

Compare the Market for Auto Insurance

Finding lower auto insurance rates can be surprisingly simple. All that’s required is to spend a few minutes on the computer comparing price quotes provided by online insurance companies. This can be accomplished in a couple of different ways.

  • The single most time-saving way to compare a lot of rates at once is to use a rate comparison form like this one (opens in new window). This easy form prevents you from having to do separate quotation requests to each individual auto insurance company. A single form will return quotes from all major companies.
  • A more time consuming way to find lower rates requires a trip to each individual company website to complete a price quote. For instance, we’ll pretend you want to compare Nationwide, Allstate and GEICO. To find out each rate you need 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 list of links to insurance companies in your area, click here.
  • The hardest way of getting rate comparisons is to spend your day driving to and from local insurance agencies. The internet makes this process obsolete unless you prefer the professional advice only provided by licensed agents. However, consumers can price shop online and get advice from an agent in your area. We’ll cover that shortly.

Whichever way you use, ensure you’re using the exact same deductibles and coverage limits for every company. If each company quotes differing limits it’s not possible to decipher which rate is best.

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

Smart consumers have a good feel for the factors that help determine your insurance coverage rates. Understanding what determines base rates empowers consumers to make smart changes that could result in big savings.

  • Add-on coverages can add up – There are a ton of extra coverages that you can get tricked into buying on your 2004 Tribute policy. Coverages like vanishing deductibles, accidental death and motor club memberships may be costing you every month. These coverages may sound good when you first buy your policy, but if you don’t need them get rid of them and save.
  • Liability coverage protects you – Liability insurance is the coverage that protects you if ever you are found liable for causing damage or personal injury in an accident. It provides for a legal defense up to the limits shown on your policy. This coverage is very inexpensive compared to physical damage coverage, so buy as much as you can afford.
  • Drive less and save money – The higher the mileage driven in a year’s time the higher your rates will be. The majority of insurers apply a rate based upon how you use the vehicle. Vehicles used primarily for pleasure use receive lower rates as compared to vehicles used primarily for driving to work. An improperly rated Tribute may be costing you. Double check that your insurance coverage declarations sheet shows the correct usage for each vehicle, because improper ratings can cost you money.
  • High crash test scores lower rates – Vehicles with high crash test scores get lower rates. Safe vehicles have better occupant injury protection and lower injury rates translates into fewer and smaller insurance claims and more competitive rates for policyholders. If your Mazda earned at least an “acceptable” rating on the Insurance Institute for Highway Safety website it may be receiving lower rates.
  • Being married is a good thing – Having a spouse can get you a discount on your policy. Having a significant other is viewed as being more mature and responsible and it’s statistically proven that drivers who are married are more cautious.
  • A clean driving record saves money – Your driving record has a lot to do with how much you pay for insurance. Even a single speeding ticket may increase your cost by as much as thirty percent. Drivers with clean records get better rates than people who have multiple driving citations. Drivers who get severe violations such as hit and run, DWI or reckless driving convictions may be required to submit a SR-22 form with their state DMV in order to drive a vehicle legally.
  • Mature drivers pay less – Older drivers are more cautious drivers, file fewer claims and tend to be better behind the wheel. Teen drivers have a tendency to be less responsible behind the wheel and because of this, their insurance coverage rates are much higher.

But I don’t know anything about car insurance

When it comes to choosing the right insurance coverage for your personal vehicles, there is no single plan that fits everyone. Every situation is different so this has to be addressed. For example, these questions can help discover if you would benefit from an agent’s advice.

  • Will my rates increase for filing one claim?
  • How much liability insurance is required?
  • When should I remove comp and collision on my 2004 Mazda Tribute?
  • Am I covered when pulling a rental trailer?
  • How does medical payments coverage work?
  • What exactly is covered by my policy?
  • Does my insurance cover damage caused when ticketed for reckless driving?
  • Can my babysitter drive my car?
  • Is there coverage for injuries to my pets?
  • Am I covered when using my vehicle for business?

If you can’t answer these questions but you know they apply to you, then you may want to think about talking to an insurance agent. To find lower rates from a local agent, complete this form or go to this page to view a list of companies. It’s fast, doesn’t cost anything and you can get the answers you need.

Auto insurance coverages

Having a good grasp of your policy can help you determine which coverages you need for your vehicles. Insurance terms can be impossible to understand and even agents have difficulty translating policy wording. Shown next are typical coverage types found on most insurance policies.

Collision coverage

Collision coverage covers damage to your Tribute resulting from colliding with an object or car. A deductible applies then the remaining damage will be paid by your insurance company.

Collision coverage pays for things such as rolling your car, hitting a parking meter, sideswiping another vehicle and colliding with a tree. This coverage can be expensive, so consider dropping it from lower value vehicles. Another option is to increase the deductible to bring the cost down.


This will cover damage or injury you incur to other’s property or people that is your fault. It protects you from legal claims by others, and doesn’t cover damage to your own property or vehicle.

Coverage consists of three different limits, bodily injury per person, bodily injury per accident and property damage. Your policy might show liability limits of 100/300/100 that translate to $100,000 in coverage for each person’s injuries, a total of $300,000 of bodily injury coverage per accident, and a total limit of $100,000 for damage to vehicles and property.

Liability coverage protects against claims like attorney fees, legal defense fees, pain and suffering, emergency aid and repair costs for stationary objects. The amount of liability coverage you purchase is a decision to put some thought into, but you should buy as high a limit as you can afford.

Medical expense insurance

Med pay and PIP coverage pay for expenses for ambulance fees, pain medications, surgery and hospital visits. They are used to cover expenses not covered by your health insurance policy or if there is no health insurance coverage. Coverage applies to all vehicle occupants in addition to if you are hit as a while walking down the street. Personal Injury Protection is not an option in every state but it provides additional coverages not offered by medical payments coverage

Protection from uninsured/underinsured drivers

Your UM/UIM coverage protects you and your vehicle from other drivers when they are uninsured or don’t have enough coverage. It can pay for injuries to you and your family and damage to your Mazda Tribute.

Since many drivers have only the minimum liability required by law, it doesn’t take a major accident to exceed their coverage limits. That’s why carrying high Uninsured/Underinsured Motorist coverage is a good idea.

Comprehensive (Other than Collision)

Comprehensive insurance pays to fix your vehicle from damage that is not covered by collision coverage. A deductible will apply and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive coverage pays for things like a tree branch falling on your vehicle, hitting a deer, damage from getting keyed and a broken windshield. The highest amount a insurance company will pay at claim time is the ACV or actual cash value, so if it’s not worth much more than your deductible it’s not worth carrying full coverage.

Best coverage at the best price

We covered some good ideas how to shop for 2004 Mazda Tribute insurance online. It’s most important to understand that the more quotes you get, the better chance you’ll have of finding lower rates. You may even discover the lowest rates come from some of the smallest insurance companies. Some small companies may only write in your state and offer lower rates as compared to the big name companies such as Allstate, GEICO and Progressive.

As you go through the steps to switch your coverage, make sure you don’t skimp on critical coverages to save a buck or two. There have been many situations where consumers will sacrifice liability limits or collision coverage and learned later that their decision to reduce coverage ended up costing them more. Your goal should be to buy a smart amount of coverage at an affordable rate while not skimping on critical coverages.

More tips and info about insurance coverage is available in these articles:

Frequently Asked Questions

How are insurance rates determined for a 2004 Mazda Tribute?

Insurance rates for a 2004 Mazda Tribute are determined by several factors, including the driver’s age, driving history, location, coverage options, and the specific insurance company’s pricing policies.

Is the insurance rate for a 2004 Mazda Tribute generally higher or lower compared to other vehicles?

Insurance rates for a 2004 Mazda Tribute can vary depending on the insurance company and individual circumstances. Generally, SUVs like the Mazda Tribute may have slightly higher insurance rates compared to sedans due to their larger size and potentially higher repair costs.

Are there any specific safety features on the 2004 Mazda Tribute that can help lower insurance rates?

The 2004 Mazda Tribute comes equipped with various safety features, such as anti-lock brakes, airbags, traction control, and stability control systems. These safety features may help lower insurance rates, as they reduce the risk of accidents and injuries.

Are there any discounts available to help reduce insurance rates for a 2004 Mazda Tribute?

Insurance companies often offer discounts that can help reduce insurance rates for a 2004 Mazda Tribute. These may include discounts for being a safe driver, having anti-theft devices installed, completing a defensive driving course, or bundling multiple policies with the same company.

Does the location affect insurance rates for a 2004 Mazda Tribute?

Yes, the location where the vehicle is primarily parked or driven can affect insurance rates. Areas with higher rates of accidents, theft, or vandalism may have higher insurance premiums compared to areas with lower risks.

How can I find the cheapest insurance rates for my 2004 Mazda Tribute?

To find the cheapest insurance rates for a 2004 Mazda Tribute, it is recommended to shop around and compare quotes from multiple insurance companies. Additionally, maintaining a clean driving record, opting for higher deductibles, and bundling insurance policies can help lower insurance premiums.

Are older vehicles like the 2004 Mazda Tribute generally cheaper to insure?

Older vehicles like the 2004 Mazda Tribute can sometimes be cheaper to insure due to their lower market value. However, insurance rates also depend on other factors, such as the vehicle’s safety features, repair costs, and overall risk profile.

Is it necessary to have full coverage insurance for a 2004 Mazda Tribute?

The necessity for full coverage insurance on a 2004 Mazda Tribute depends on various factors, such as the vehicle’s value, your financial situation, and your risk tolerance. Full coverage typically includes comprehensive and collision coverage in addition to liability coverage.

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