Would you prefer to buy the cheapest Mazda Tribute insurance in San Diego? Wish you could get a refund on high-priced Mazda Tribute insurance in San Diego? Trust us when we tell you many San Diego drivers have buyer’s remorse.
It’s amazing but 70% of consumers have purchased from the same company for well over three years, and practically 40% of car insurance customers have never compared rate quotes at all. The average driver in America could save as much as $850 a year just by comparing rates, but they don’t understand how simple it is to shop around. Many auto insurance companies vie to insure your vehicles, and it can be difficult to compare rates to find the absolute cheapest price on Mazda Tribute insurance in San Diego.
It’s a good habit to get comparison quotes occasionally due to the fact that insurance prices go up and down regularly. Even if you got the lowest rate on Mazda Tribute insurance in San Diego a few years ago you can probably find a lower rate today. You’ll find quite a bit of inaccurate information about Tribute insurance on the web, but you can learn some good information on how to reduce your car insurance bill.
If you have coverage now or just want cheaper rates, use these techniques to cut your premiums without having to cut coverage. Locating the best rates in San Diego is actually quite easy if you know where to start. Vehicle owners just need to know the proper methods to shop their coverage around online.
Companies offering Mazda Tribute insurance in San Diego
The providers in the list below are ready to provide free rate quotes in California. If more than one company is shown, we recommend you visit as many as you can to get the most affordable price.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Tribute I Sport 2WD | $178 | $354 | $384 | $22 | $114 | $1,052 | $88 |
| Tribute I Sport 4WD | $204 | $446 | $508 | $30 | $152 | $1,340 | $112 |
| Tribute I Touring 2WD | $298 | $576 | $376 | $22 | $112 | $1,384 | $115 |
| Tribute I Grand Touring 2WD | $422 | $844 | $508 | $30 | $152 | $1,956 | $163 |
| Tribute I Touring 4WD | $252 | $426 | $386 | $22 | $116 | $1,202 | $100 |
| Tribute I Grand Touring 4WD | $366 | $914 | $488 | $28 | $146 | $1,942 | $162 |
| Tribute S Grand Touring 2WD | $240 | $426 | $492 | $30 | $148 | $1,336 | $111 |
| Tribute S Grand Touring 4WD | $332 | $664 | $384 | $22 | $114 | $1,516 | $126 |
| Get Your Own Custom Quote Go | |||||||
Prices above based on married female driver age 30, no speeding tickets, no at-fault accidents, $250 deductibles, and California minimum liability limits. Discounts applied include homeowner, claim-free, safe-driver, multi-vehicle, and multi-policy. Price information does not factor in specific San Diego garaging location which can influence insurance rates considerably.
Full coverage rates compared to liability-only
The information below shows the comparison of Mazda Tribute annual premium costs with and without physical damage coverage. The prices are based on no violations or accidents, $250 deductibles, married female driver, and no discounts are taken into consideration.
When to drop comprehensive and collision coverage
There is no set guideline of when to stop paying for full coverage, but there is a general guideline. If the annual cost of comprehensive and collision coverage is more than about 10% of the vehicle’s replacement cost less your deductible, then it’s probably a good time to buy liability coverage only.
For example, let’s assume your Mazda Tribute replacement cost is $9,000 and you have $1,000 policy deductibles. If your vehicle is damaged in an accident, the most you would receive is $8,000 after paying your deductible. If it’s costing you more than $800 a year for comprehensive and collision coverage, then it may be the right time to buy liability only.
There are a few cases where only buying liability is not a good idea. If you haven’t paid off your loan, you have to maintain full coverage as part of the loan conditions. Also, if you can’t afford to buy a different vehicle in the even your car is totaled, you should not consider dropping full coverage.
Gender differences in auto insurance premiums
The example below compares Mazda Tribute auto insurance costs for male and female drivers. Data assumes a clean driving record, no at-fault accidents, full coverage, $250 deductibles, marital status is single, and no other discounts are factored in.
Safe drivers pay cheaper rates
The chart below illustrates how violations and accidents can impact Mazda Tribute insurance premiums for different insured age categories. The price estimates are based on a single female driver, full physical damage coverage, $500 deductibles, and no discounts are factored in.
Mazda Tribute Insurance Cost Factors
Many factors are used when you get a price on insurance. Some factors are common sense like a motor vehicle report, although others are not as apparent like where you live or your commute time.
- Mature drivers pay less – Older people are more cautious drivers, statistically cause fewer accidents, and usually have better credit.Drivers with little experience are known to be easily distracted when behind the wheel therefore car insurance rates are much higher.
- Your car’s features help determine rates – Choosing to buy a car with a theft deterrent system can earn a premium discount. Theft deterrent systems such as LoJack tracking devices, vehicle tamper alarm systems or GM’s OnStar system all aid in stopping vehicle theft.
- Liability safeguards assets – The liability section of your policy will provide protection in the event that a court rules you are at fault for causing personal injury or damage in an accident. It provides legal defense which can be incredibly expensive. Liability insurance is pretty cheap when compared with rates for comp and collision, so do not cut corners here.
- Impacts performance impacts rates – The make and model of the vehicle you are trying to find cheaper insurance for makes a big difference in your rates. The lowest rates will generally be found on lower cost passenger vehicles, but the cost you end up paying is determined by many additional factors. Due to the fact that the Mazda Tribute is considered a standard SUV, insuring your vehicle will cost slightly more as compared to the average rate in San Diego.
- Never go without car insurance – Letting your insurance expire will be a guaranteed way to trigger a rate increase. And not only will insurance be more expensive, the inability to provide proof of insurance can result in a fine, jail time, or a revoked license. You may then be required to provide proof of insurance in the form of an SR-22 filing with the California motor vehicle department.
- High credit rating translates to low rates – Your credit history can be an important factor in calculating your premium rate. Insureds that have excellent credit tend to be more responsible than drivers who have lower ratings. If your credit history can use some improvement, you may save money insuring your Mazda Tribute if you improve your credit rating.
- Where you live is a factor – Having an address in smaller towns and rural areas of the country has it’s advantages when it comes to car insurance. Drivers in populated areas regularly have more auto accidents and longer commutes to work. Fewer drivers means less chance of accidents as well as less vandalism and auto theft.
- Extra policy coverages you don’t need – Insurance companies have many optional add-on coverages that you can buy on your Tribute policy. Insurance for things like roadside assistance, accident forgiveness, and extra life insurance coverage are examples of these. These coverages may sound good initially, but your money might be better spent on other coverage so think about removing them and cutting costs.
These discounts can lower your insurance rates
Companies don’t necessarily list every possible discount very well, so the following is a list of some of the best known and also the lesser-known discounts that you may qualify for.
- Renewal Discounts – Select companies give a discount for switching to them before your current Tribute insurance policy expires. It’s a savings of about 10%.
- Theft Prevention System – Cars and trucks equipped with tracking devices and advanced anti-theft systems are stolen less frequently and will qualify for a discount on a San Diego car insurance quote.
- Discount for Multiple Policies – If you combine your auto and homeowners policies and insure them both with the same insurance company you may earn up to 20% and get you low cost Mazda Tribute insurance.
- Student Discount for Driver Training – Teen drivers should enroll and complete driver’s education in school.
- Defensive Driver Discounts – Successfully completing a course in defensive driving can save you 5% or more and also improve your driving technique.
- One Accident Forgiven – Not necessarily a discount, but a few companies such as GEICO, State Farm, and Progressive allow you one accident without getting socked with a rate hike with the catch being you have to be claim-free for a set time period.
- Seat Belts Save more than Lives – Requiring all passengers to buckle up before driving can save up to 10 percent (depending on the company) on medical payment and PIP coverage.
- New Vehicle Savings – Insuring a vehicle that is new can get you a discount because new model year vehicles keep occupants safer.
- Good Student Discount – A discount for being a good student can earn a discount of 20% or more. Earning this discount can benefit you well after school through age 25.
Remember that some of the credits will not apply to all coverage premiums. The majority will only reduce the cost of specific coverages such as comp or med pay. Even though the math looks like all the discounts add up to a free policy, it doesn’t quite work that way.
To choose insurers with discount rates in San Diego, follow this link.
Independent and exclusive insurance agencies
Certain consumers just prefer to buy from a licensed agent and that is recommended in a lot of cases Good insurance agents are trained risk managers and help submit paperwork. One of the great benefits of comparing insurance prices online is the fact that you can find the lowest rates and still choose a local agent.
For easy comparison, once you complete this short form, your information is submitted to local insurance agents in San Diego who can give free rate quotes for your car insurance coverage. There is no need to do any legwork as quotes are delivered immediately to you. If you want to compare prices for a specific company, feel free to navigate to their website and fill out the quote form the provide.
Finding a good company requires more thought than just the bottom line cost. Some important questions to ask are:
- What discounts might you be missing?
- How long have they worked with personal auto insurance coverage?
- Is there a local claims center in San Diego?
- Will they make sure you get an adequate claim settlement?
- If you have an accident, are you able to get your vehicle repaired at the shop of your choice?
- Are they primarily personal or commercial lines agents in San Diego?
The following is a short list of car insurance companies in San Diego that are able to give price quotes for Mazda Tribute insurance in San Diego.
David Thompson – State Farm Insurance Agent
7061 Clairemont Mesa Blvd Ste 217 – San Diego, CA 92111 – (858) 560-5400 – View Map
Lisa Keith – State Farm Insurance Agent
1635 Rosecrans St b – San Diego, CA 92106 – (619) 694-4788 – View Map
Farmers Insurance: James Calafata
4325 Cass St – San Diego, CA 92109 – (858) 483-7171 – View Map
Karen L Wroan – State Farm Insurance Agent
12780 High Bluff Dr #180 – San Diego, CA 92130 – (858) 755-7553 – View Map
Insurance in the media
California consumers can’t get away from ads that promise big savings from companies such as State Farm, GEICO and Progressive. All the ads make the same claim about saving some big amount just by moving your policy.
Is it even possible that every company can charge less that you’re paying now?
All companies offer their best rates for a prospective insured that makes them money. For example, a desirable insured might be between the ages of 30 and 45, has other policies, and drives a lower-performance vehicle. A driver that hits that “sweet spot” will probably get cheap rates and therefore will cut their rates substantially.
Potential insureds who cannot meet these stringent criteria will probably have to pay a more expensive rate which results in business going elsewhere. If you pay close attention to the ads, they say “people who switch” not “all people who quote” can save as much as they claim. This is how insurance companies can confidently make claims that they all have the best rates. Because each company has a different risk profile, you need to compare price quotes frequently. It’s not possible to predict which company will have better prices than you’re paying now.
Everyone needs different auto insurance coverages
Always keep in mind that when comparing adequate coverage, there really is no one-size-fits-all type of policy. Each situation is unique so your insurance should reflect that
Here are some questions about coverages that may help highlight whether you might need an agent’s assistance.
- Which companies will insure me after a DUI?
- Do I need PIP coverage since I have good health insurance?
- Is coverage enough to protect my assets?
- Am I covered when renting a car or should I buy coverage from the car rental agency?
- What does UM/UIM cover?
- What is GAP insurance?
- Should I file a claim if it’s only slightly more than my deductible?
- What vehicles should carry emergency assistance coverage?
If it’s difficult to answer those questions, you may need to chat with an agent. If you don’t have a local agent, simply complete this short form or click here for a list of auto insurance companies in your area. It’s fast, free and you can get the answers you need.
Be persistent to save money
We just showed you some good ideas how to save on Mazda Tribute insurance in San Diego. The key thing to remember is the more price quotes you have, the higher your chance of finding low cost San Diego car insurance quotes. You may even find the most savings is with some of the lesser-known companies. Smaller companies may cover specific market segments cheaper than their larger competitors like Progressive or GEICO.
Budget-conscious Mazda Tribute insurance can be sourced from both online companies as well as from insurance agents, and you need to price shop both to have the best selection. Some insurance companies do not offer rates over the internet and many times these smaller providers only sell through local independent agents.
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