Cheap Insurance for a Mazda Tribute in Cleveland

Astonishing but true, the vast majority of insurance customers in Ohio have remained with the same insurance company for well over three years, and nearly 40% of drivers have never compared rate quotes at all. Consumers in America could save an average of as much as $859 each year by just shopping around, but they don’t believe the actual amount they would save if they moved their coverage to a different company.

The recommended way to get low-cost Mazda Tribute insurance in Cleveland is to compare prices once a year from providers who provide auto insurance in Ohio.

• First, spend some time learning about car insurance and the things you can control to lower rates. Many risk factors that cause high rates such as speeding and a low credit rating can be remedied by making small lifestyle or driving habit changes. Read the full article for the details to help find cheaper rates and find discounts that you may qualify for.
• Second, request price quotes from direct carriers, independent agents, and exclusive agents. Exclusive agents and direct companies can only give prices from a single company like GEICO and State Farm, while agents who are independent can quote prices from multiple companies.
• Third, compare the new rate quotes to your current policy premium and see if there is a cheaper rate. If you find a better price and change companies, ensure there is no coverage lapse between policies.
• Fourth, tell your current company to cancel your current coverage and submit any necessary down payment along with the completed application to your new insurance company. Make sure you put the new certificate verifying coverage somewhere easily accessible.

A good piece of advice is to use the same physical damage deductibles and liability limits on each price quote and and to compare as many car insurance companies as possible. This helps ensure the most accurate price comparison and a good representation of prices.

The easiest way to compare car insurance rates for Mazda Tribute insurance in Cleveland utilizes the fact almost all companies provide online access to quote your coverage. The only thing you need to do is give them rating details including driver ages, whether you are single or married, if you went to college, and if you have a valid license. The rating information is then sent to insurance companies and you will get price comparisons instantly to find the best rate.

To get price quotes for your Mazda Tribute now, click here and see if a lower rate is available in Cleveland.

The companies in the list below are ready to provide price comparisons in Cleveland, OH. If you want the best auto insurance in Cleveland, we recommend you visit two to three different companies to get the best price comparison.

Mazda Tribute insurance discounts in Cleveland

Car insurance companies don’t always list every discount available very well, so the list below contains some of the more common as well as some of the hidden discounts you could be receiving when you buy Cleveland car insurance online.

• Seat Belt Usage – Drivers who require all vehicle occupants to wear their seat belts can save 10% or more on the premium charged for medical payments and/or PIP.
• Driver Education Discount – Cut your cost by having your teen driver successfully complete driver’s ed class in school.
• Discount for Passive Restraints – Factory air bags or motorized seat belts may qualify for discounts as much as 30%.
• Full Payment Discount – By making one initial payment rather than paying in monthly installments you can avoid monthly service charges.
• Discount for Good Grades – A discount for being a good student can get you a discount of up to 25%. This discount can apply well after school through age 25.
• College Student Discount – Youth drivers who are enrolled in higher education away from home and leave their car at home may qualify for this discount.
• Theft Deterrent System – Anti-theft and alarm system equipped vehicles prevent vehicle theft and earn discounts up to 10% off your Cleveland car insurance quote.
• Save with a New Car – Adding a new car to your policy can cost up to 25% less since new model year vehicles have better safety ratings.
• Paper-free Discount – A handful of companies provide a small discount for buying your policy on their website.
• Homeowners Savings – Owning a home in Cleveland can get you a discount since owning and maintaining a home demonstrates responsibility.

Don’t be surprised that some credits don’t apply to the whole policy. Most only cut individual premiums such as medical payments or collision. So even though you would think you can get free auto insurance, company stockholders wouldn’t be very happy.

The chart below compares Mazda Tribute insurance prices with and without policy discounts. The price estimates are based on a male driver, no accidents, no driving violations, Ohio state minimum liability limits, full physical damage coverage, and $250 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with claim-free, multi-policy, marriage, safe-driver, homeowner, and multi-car discounts applied.

A list of car insurance companies and their offered discounts are included below.

• Progressive offers discounts for online quote discount, continuous coverage, online signing, multi-policy, multi-vehicle, homeowner, and good student.
• Farmers Insurance policyholders can earn discounts including youthful driver, distant student, multi-car, bundle discounts, and electronic funds transfer.
• Farm Bureau offers discounts including youthful driver, multi-vehicle, good student, safe driver, 55 and retired, driver training, and renewal discount.
• State Farm may offer discounts for defensive driving training, Steer Clear safe driver discount, safe vehicle, student away at school, passive restraint, multiple autos, and multiple policy.
• GEICO has discounts for military active duty, defensive driver, daytime running lights, air bags, federal employee, anti-lock brakes, and driver training.
• SAFECO includes discounts for bundle discounts, multi-car, teen safety rewards, accident prevention training, anti-theft, homeowner, and drive less.
• Liberty Mutual may include discounts for multi-car, safety features, multi-policy, teen driver discount, newly married, and good student.

Before you buy a policy, ask each company to give you their best rates. A few discounts may not apply to policies in Cleveland. To see a list of companies with discount car insurance rates in Ohio, click here.

Car insurance analysis for a Mazda Tribute

The coverage information shown below outlines estimates of policy rates for Mazda Tribute models. Being more informed about how car insurance premiums are figured can benefit drivers when making informed decisions.

Table data represents single male driver age 30, no speeding tickets, no at-fault accidents, $500 deductibles, and Ohio minimum liability limits. Discounts applied include homeowner, multi-vehicle, multi-policy, safe-driver, and claim-free. Estimates do not factor in specific location information which can alter rates substantially.

Should you raise deductibles?

When comparing car insurance rates, the most common question is how high should the physical damage deductibles be. The comparison tables below highlight how much more you’ll pay between low and high deductibles. The first price estimate table uses a $100 physical damage coverage deductible and the second rate table uses a $500 deductible.

Data based on married male driver age 30, no speeding tickets, no at-fault accidents, and Ohio minimum liability limits. Discounts applied include multi-vehicle, homeowner, claim-free, safe-driver, and multi-policy. Price information does not factor in specific zip code location which can influence insurance rates greatly.

Based on the above data, using a $100 deductible costs an average of $17 more each month or $204 annually than buying the higher $500 deductible. Because you would be required to pay $400 more out of your own pocket with a $500 deductible as compared to a $100 deductible, if you average at a minimum 24 months between claims, you would more than likely save some money if you choose a higher deductible.

The diagram below shows how choosing a deductible and can affect Mazda Tribute premium costs for each different age group. The information is based on a single male driver, comp and collision included, and no policy discounts are applied.

How do Insurance Providers Determine Mazda Tribute Insurance Premiums?

It’s important that you understand the factors that come into play when calculating the price you pay for car insurance. When you understand what impacts premium levels, this helps enable you to make changes that may result in lower car insurance prices.

Shown below are some of the factors used by companies to determine prices.

Prevent your car from being stolen – Driving a car that has a built-in theft deterrent system can help lower your rates. Anti-theft features such as tamper alarm systems, vehicle immobilizer technology and General Motors OnStar all aid in stopping car theft and help bring rates down.

The type of car you drive affects your costs – The performance of the car, truck or SUV you drive makes a significant difference in your auto insurance rates. Lower cost passenger cars usually have the lowest rates, but your final cost has many other factors.

The following chart uses these assumptions: married female driver age 50, full coverage with $1000 deductibles, and no discounts or violations. The data compares Mazda Tribute rates compared to other models of vehicles that have different performance rating factors.

Buy as much liability insurance as you can afford – A critical coverage on your policy, liability insurance provides coverage if a jury decides you are liable for damages from an accident. Liability provides legal defense coverage up to the limits shown on your policy. Liability is cheap compared to insuring for physical damage coverage, so do not cut corners here.

Rates can be impacted by your job – Did you know your car insurance rates can be affected by your occupation? Jobs such as military personnel, executives, and emergency personnel generally have the highest average rates due to stressful work requirements and long work hours. On the flip side, occupations like farmers, students and the unemployed get better rates.

Which gender costs less? – Statistics show that women are safer drivers than men. That doesn’t necessarily mean that females are better at driving than males. Women and men are responsible for at-fault accidents in similar percentages, but guys have costlier accidents. Not only are claims higher, but men get higher numbers of serious violations like DWI (DUI) or reckless driving. Males from age 16 to 21 cause the most accidents and therefore pay the highest rates.

The example below shows the difference between Mazda Tribute car insurance costs for male and female drivers. The premium estimates are based on no claims or driving violations, comprehensive and collision coverage, $1,000 deductibles, drivers are not married, and no discounts are applied.

Know your credit score – Having a bad credit score factor in your rate calculation. Drivers who have good credit tend to file fewer claims and have better driving records than drivers who have lower credit ratings. If your credit rating is not that good, you could save money insuring your Mazda Tribute by improving your credit score.

Raising coverage deductibles saves money – Insurance for physical damage, commonly called comprehensive (or other-than-collision) and collision coverage, covers damage that occurs to your Mazda. Some instances where coverage would apply would be running into the backend of another car, collision with an animal, and damage from a fallen tree branch. Deductibles for physical damage tell how much you are willing to pay out-of-pocket before your car insurance pays a claim. The more of the claim the insured has to pay upfront, the better rate you will receive.

Auto insurance agents can help

A small number of people still prefer to have an agent’s advice and we recommend doing that A good thing about comparing auto insurance online is you may find cheap rate quotes and still choose a local agent.

By using this form (opens in new window), the quote information is instantly submitted to companies in Cleveland who will return price quotes and help you find cheaper coverage. You won’t even need to contact any agents because quoted prices will be sent straight to your inbox. Get lower rates and an insurance agent to talk to. If you have a need to get a rate quote from one company in particular, just search and find their rate quote page and complete a quote there.

Picking the best company should depend on more than just a cheap quote. Any agent in Cleveland should be forthright in answering these questions:

• Are there any discounts that you might be missing?
• Which companies do they recommend if they are an independent agency?
• When do they do a full risk review?
• Does the company allow you to choose your own collision repair facility?
• Can they help ensure a fair claim settlement?
• Does the agent have a valid license to sell insurance in Ohio?

If you would like to find local Cleveland agents, you must know there are a couple types of agencies and how they function. Agents in Cleveland can either be independent agents or exclusive agents.

Exclusive Insurance Agencies

Exclusive insurance agents normally can only provide a single company’s rates such as Farmers Insurance, State Farm, or Allstate. These agents are not able to place coverage with different providers so they are skilled at selling on more than just price. Exclusive agents receive extensive training on their company’s products which aids in selling service over price. Consumers frequently purchase coverage from exclusives mainly due to the brand name and the convenience of having all coverages with one company.

Below is a list of exclusive agencies in Cleveland that can give you price quotes.

• Dick McClement – State Farm Insurance Agent
  2700 W 25th St – Cleveland, OH 44113 – (216) 621-3723 – View Map
• Justin Ragor – State Farm Insurance Agent
  3878 Rocky River Dr Ste 4 – Cleveland, OH 44111 – (216) 251-5300 – View Map
• Farmers Insurance – Earl Soroka
  1621 Euclid Ave #408 – Cleveland, OH 44115 – (216) 452-0885 – View Map

View more Cleveland agents

Independent Auto Insurance Agencies

Independent insurance agents often have many company appointments so as a result can place your coverage amongst many companies and potentially find a lower price. If they find a lower price, your policy is moved internally which is easy for the insured.

If you are comparing rate quotes, it’s a good idea to include price quotes from independent agents in order to have the best price comparison. Many independent agencies also insure through small regional insurance companies that may provide cheaper auto insurance rates.

Shown below are Cleveland independent insurance agencies that can give you comparison quotes.

• The Brooks and Stafford Company
  55 Public Square #1650 – Cleveland, OH 44113 – (216) 696-3000 – View Map
• Coventry Insurance Agency
  230 W Huron Rd – Cleveland, OH 44113 – (216) 307-3611 – View Map
• Evarts Tremaine
  1111 Superior Ave #420 – Cleveland, OH 44113 – (216) 621-7183 – View Map

View more Cleveland agents

Once you have good responses to these questions and a good coverage price, it’s possible that you found an auto insurance agent that is a good match to service your policy. Just keep in mind it’s your coverage and you can terminate coverage any time you want so never assume that you are permanently stuck with a policy for any length of time.

Car insurance company ratings

Choosing the right insurer can be difficult considering how many companies are available to choose from in Cleveland. The company ratings in the lists below can help you pick which auto insurers you want to consider purchasing coverage from.

Top 10 Cleveland Car Insurance Companies Overall

1. USAA
2. 21st Century
3. GEICO
4. Nationwide
5. AAA Insurance
6. Liberty Mutual
7. Safeco Insurance
8. State Farm
9. Travelers
10. American Family

Don’t give up on cheap rates

While you’re price shopping online, it’s a bad idea to reduce needed coverages to save money. There are many occasions where consumers will sacrifice uninsured motorist or liability limits and discovered at claim time they didn’t have enough coverage. The proper strategy is to buy a smart amount of coverage at the best price.

In this article, we covered many tips how you can shop for Mazda Tribute insurance online. The key thing to remember is the more rate comparisons you have, the higher your chance of finding affordable Mazda Tribute insurance quotes. Consumers may even find the lowest priced car insurance comes from a small mutual company.

Discount Mazda Tribute insurance in Cleveland is definitely available on the web and from local agencies, so you need to quote Cleveland car insurance with both to have the best chance of lowering rates. A few companies don’t offer price quotes online and most of the time these smaller providers only sell through independent agents.

To learn more, feel free to visit the resources below:

• Protect Yourself Against Auto Theft (Insurance Information Institute)
• Who Has the Cheapest Cleveland Car Insurance for a GMC Acadia? (FAQ)
• Liability Insurance Coverage (Nationwide)
• What is Covered by an Auto Insurance Policy? (Insurance Information Institute)
• New Honda safety features benefit drivers of all ages (Insurance Institute for Highway Safety)
• How Much Auto Coverage do I Need? (Insurance Information Institute)