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.

Insurance for Mazda TributeThe 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.

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.Save money with discounts

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.

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.

Mazda Tribute Insurance Rates in Cleveland, OH
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Tribute I Sport 2WD $142 $238 $252 $14 $76 $722 $60
Tribute I Sport 4WD $142 $238 $252 $14 $76 $722 $60
Tribute I Touring 2WD $142 $238 $252 $14 $76 $722 $60
Tribute I Grand Touring 2WD $162 $238 $252 $14 $76 $742 $62
Tribute I Touring 4WD $162 $238 $252 $14 $76 $742 $62
Tribute I Grand Touring 4WD $162 $280 $252 $14 $76 $784 $65
Tribute S Grand Touring 2WD $162 $280 $252 $14 $76 $784 $65
Tribute S Grand Touring 4WD $162 $280 $252 $14 $76 $784 $65
Get Your Own Custom Quote Go

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.

Mazda Tribute insurance premium rates with $100 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Tribute I Sport 2WD $170 $352 $192 $12 $58 $809 $67
Tribute I Sport 4WD $170 $352 $192 $12 $58 $809 $67
Tribute I Touring 2WD $170 $352 $192 $12 $58 $809 $67
Tribute I Grand Touring 2WD $196 $352 $192 $12 $58 $835 $70
Tribute I Touring 4WD $196 $352 $192 $12 $58 $835 $70
Tribute I Grand Touring 4WD $196 $416 $192 $12 $58 $899 $75
Tribute S Grand Touring 2WD $196 $416 $192 $12 $58 $899 $75
Tribute S Grand Touring 4WD $196 $416 $192 $12 $58 $899 $75
Get Your Own Custom Quote Go

Mazda Tribute insurance premium rates with $500 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Tribute I Sport 2WD $124 $238 $192 $12 $58 $624 $52
Tribute I Sport 4WD $124 $238 $192 $12 $58 $624 $52
Tribute I Touring 2WD $124 $238 $192 $12 $58 $624 $52
Tribute I Grand Touring 2WD $142 $238 $192 $12 $58 $642 $54
Tribute I Touring 4WD $142 $238 $192 $12 $58 $642 $54
Tribute I Grand Touring 4WD $142 $280 $192 $12 $58 $684 $57
Tribute S Grand Touring 2WD $142 $280 $192 $12 $58 $684 $57
Tribute S Grand Touring 4WD $142 $280 $192 $12 $58 $684 $57
Get Your Own Custom Quote Go

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.

How to determine when to raise your deductibles

Average monthly premium for $100 deductibles: $71
Average monthly premium for $500 deductibles (subtract): – $54
Monthly savings from raising deductible: $17
Difference between deductibles ($500 – $100): $400
Divide difference by monthly savings: $400 / $17
Number of months required between physical damage coverage claims in order to save money by choosing the higher deductible 24 months

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.

Cleveland insurance agentsBy 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:

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.

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.

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: