Compare Mazda Tribute Insurance Rates in Irvine

Wish you could get out of an expensive insurance policy? You’re in good company because many Irvine drivers feel the same as you.

Insurance rates Mazda Tribute in IrvineIt’s hard to fathom, but the vast majority of consumers kept buying from the same company for at least four years, and nearly half have never compared insurance rates at all. Consumers in California could save themselves almost 35% a year by just comparing rate quotes, but they don’t want to spend time to compare other rate quotes.

Numerous insurers battle to insure your vehicles, so it can be very hard to choose a insurance company and uncover the absolute best rate on Mazda Tribute insurance in Irvine.

Companies offering Mazda Tribute insurance in California

The companies in the list below can provide free rate quotes in California. If you wish to find cheap car insurance in Irvine, it’s a good idea that you get rate quotes from several of them to get the best price comparison.

Facts and figures for Mazda Tribute insurance

The premium information shown below highlights different coverage prices for Mazda Tribute models. Understanding more about how insurance prices are formulated can aid in making informed coverage decisions.

Mazda Tribute Insurance Rates in Irvine, CA
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Tribute I Sport 2WD $324 $790 $454 $26 $136 $1,730 $144
Tribute I Sport 4WD $324 $790 $454 $26 $136 $1,730 $144
Tribute I Touring 2WD $324 $790 $454 $26 $136 $1,730 $144
Tribute I Grand Touring 2WD $372 $790 $454 $26 $136 $1,778 $148
Tribute I Touring 4WD $372 $790 $454 $26 $136 $1,778 $148
Tribute I Grand Touring 4WD $372 $930 $454 $26 $136 $1,918 $160
Tribute S Grand Touring 2WD $372 $930 $454 $26 $136 $1,918 $160
Tribute S Grand Touring 4WD $372 $930 $454 $26 $136 $1,918 $160
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Above prices assume single male driver age 40, no speeding tickets, no at-fault accidents, $100 deductibles, and California minimum liability limits. Discounts applied include multi-policy, multi-vehicle, claim-free, safe-driver, and homeowner. Rate quotes do not factor in zip code location which can revise insurance rates considerably.

Deductible comparison

One of the hardest decisions when shopping for car insurance is what deductibles to buy. The tables below may help to illustrate the premium difference of buying low and high physical damage deductibles. The first data set uses a $100 physical damage coverage deductible and the second data table uses a $500 deductible.

Mazda Tribute insurance prices with $100 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Tribute I Sport 2WD $332 $686 $376 $22 $112 $1,553 $129
Tribute I Sport 4WD $332 $686 $376 $22 $112 $1,553 $129
Tribute I Touring 2WD $332 $686 $376 $22 $112 $1,553 $129
Tribute I Grand Touring 2WD $380 $686 $376 $22 $112 $1,601 $133
Tribute I Touring 4WD $380 $686 $376 $22 $112 $1,601 $133
Tribute I Grand Touring 4WD $380 $810 $376 $22 $112 $1,725 $144
Tribute S Grand Touring 2WD $380 $810 $376 $22 $112 $1,725 $144
Tribute S Grand Touring 4WD $380 $810 $376 $22 $112 $1,725 $144
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Mazda Tribute insurance prices with $500 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Tribute I Sport 2WD $242 $464 $376 $22 $112 $1,216 $101
Tribute I Sport 4WD $242 $464 $376 $22 $112 $1,216 $101
Tribute I Touring 2WD $242 $464 $376 $22 $112 $1,216 $101
Tribute I Grand Touring 2WD $278 $464 $376 $22 $112 $1,252 $104
Tribute I Touring 4WD $278 $464 $376 $22 $112 $1,252 $104
Tribute I Grand Touring 4WD $278 $546 $376 $22 $112 $1,334 $111
Tribute S Grand Touring 2WD $278 $546 $376 $22 $112 $1,334 $111
Tribute S Grand Touring 4WD $278 $546 $376 $22 $112 $1,334 $111
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Data based on married male driver age 30, no speeding tickets, no at-fault accidents, and California minimum liability limits. Discounts applied include multi-vehicle, safe-driver, multi-policy, homeowner, and claim-free. Rates do not factor in specific zip code location which can raise or lower insurance rates significantly.

We can derive from the above data that using a $100 deductible costs roughly $30 more each month or $360 annually averaged for all Tribute models than requesting the higher $500 deductible. Because you would pay $400 more if you file a claim with a $500 deductible as compared to a $100 deductible, if you have at a minimum 13 months between claim filings, you would come out ahead if you elect the higher deductible.

How to calculate deductible break even period

Average monthly premium for $100 deductibles: $136
Average monthly premium for $500 deductibles (subtract): – $106
Monthly savings from raising deductible: $30
Difference between deductibles ($500 – $100): $400
Divide difference by monthly savings: $400 / $30
Number of months required between physical damage coverage claims in order to save money by choosing the higher deductible 13 months

One thing to be aware of is that a higher deductible level results in more money out-of-pocket if you have a claim. You need to have some savings in the event you have to pay the deductible for vehicle repair.

Price comparison of only insuring for liability

The example below illustrates the comparison of Mazda Tribute auto insurance rates with full physical damage coverage compared to only buying liability only. The information is based on no claims or driving violations, $100 deductibles, single status, and no discounts are applied.

Guidelines for eliminating full coverage

There is no definitive guideline of when to drop full coverage on your policy, but there is a guideline you can consider. If the annual cost of coverage is 10% or more of any settlement you would receive from your insurance company, then it’s probably a good time to buy liability coverage only.

For example, let’s pretend your Mazda Tribute claim settlement value is $3,000 and you have $1,000 deductibles. If your vehicle is totaled, the most your company will settle for is $2,000 after paying your deductible. If it’s costing in excess of $200 annually for your policy with full coverage, then it might be time to buy liability only.

There are some circumstances where only buying liability is not recommended. If you have an outstanding loan on your vehicle, you have to keep full coverage in order to keep the loan. Also, if you cannot afford to purchase a different vehicle if your current one is in an accident, you should keep full coverage on your policy.

Mazda Tribute Insurance Rate Factors

Many factors are used when quoting car insurance. Some factors are common sense like an MVR report, but other criteria are less apparent such as your credit history and annual miles driven. Smart consumers have a good feel for the factors that aid in calculating car insurance rates. When consumers understand what determines premiums, this enables you to make decisions that can earn you much lower annual insurance costs.

These discounts can slash Mazda Tribute insurance rates

Car insurance companies don’t list every discount available in an easy-to-find place, so we break down both the well known and the more hidden credits available to bring down your rates. If you’re not getting every credit available, you could be getting lower rates.Discount car insurance

As is typical with insurance, most discounts do not apply to all coverage premiums. Most only cut the price of certain insurance coverages like liability and collision coverage. So even though they make it sound like you can get free auto insurance, you won’t be that lucky.

The diagram below compares Mazda Tribute auto insurance costs with and without discounts applied to the premium. Data assumes a female driver, a clean driving record, no at-fault accidents, California state minimum liability limits, comprehensive and collision coverage, and $1,000 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with homeowner, multi-car, claim-free, marriage, safe-driver, and multi-policy discounts applied.

A list of car insurance companies and a selection of discounts can be read below.

Check with every insurance company how you can save money. Some of the earlier mentioned discounts may not apply to policyholders in Irvine. To see insurance companies who offer free Mazda Tribute insurance quotes in Irvine, click here to view.

Buying from insurance agents

Many drivers prefer to talk to an insurance agent and doing that can be a smart decision The best thing about price shopping on the web is that drivers can save money and get cheap rate quotes and also buy local. Putting coverage with neighborhood insurance agencies is especially important in Irvine.

Irvine insurance agentsUpon completion of this short form, your insurance data is emailed to participating agents in Irvine that give free quotes and help you find cheaper coverage. You never need to leave your house due to the fact that quote results will go instantly to you. It’s the lowest rates without a big time investment. If you have a need to compare rates from a specific insurance company, feel free to go to their quote page and submit a quote form there.

If you need to find a reputable agency, there are two types of insurance agents from which to choose. Agents in Irvine can be described as either exclusive or independent (non-exclusive).

Independent Insurance Agents

Independent agencies are not limited to a single company so they have the ability to put coverage through many companies and possibly get better coverage at lower prices. If they find a cheaper price, they simply move your policy to a different company and you don’t have to find a new agent.

If you are comparing car insurance prices, you should always compare quotes from a couple of independent agencies in order to have the best price comparison.

Featured below are independent insurance agencies in Irvine who can help you get free rate quotes.

California Agency Insurance
17632 Irvine Blvd # 235Tustin, CA 92780(714) 731-8300View Map

3151 Airway Ave Suite F203Costa Mesa, CA 92626(714) 258-2800View Map

14795 Jeffrey RdIrvine, CA 92618(949) 786-6888View Map

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Exclusive Agencies

Exclusive agents can only write with one company like Allstate and State Farm. These agents are not able to compare rates from other companies so they are skilled at selling on more than just price. They receive a lot of sales training on sales techniques which helps them sell on service rather than price.

The following is a short list of exclusive insurance agencies in Irvine that can give you price quote information.

1442 Irvine Blvd #204Tustin, CA 92780(714) 734-8300View Map

4482 Barranca Pkwy #224Irvine, CA 92604(949) 552-6601View Map

4860 Irvine Blvd Ste 206Irvine, CA 92620(714) 505-2457View Map

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Choosing a insurance agent should depend on more than just the price. The questions below may impact your decision as well.

If you get positive responses to any questions you may have as well as a price you’re happy with, most likely you have located an insurance agency that meets the criteria to properly insure your vehicles.

Affordable coverage is out there

Lower-priced Mazda Tribute insurance in Irvine is available both online in addition to many Irvine insurance agents, so you need to shop Irvine car insurance with both in order to have the best chance of saving money. A few companies may not provide online price quotes and many times these small, regional companies only sell through independent insurance agencies.

As you shop your coverage around, you should never sacrifice coverage to reduce premiums. In too many instances, an insured dropped uninsured motorist or liability limits and found out when filing a claim they didn’t have enough coverage. The aim is to buy enough coverage at the best possible price, but don’t skip important coverages to save money.

Steps to quoting cheaper Mazda Tribute insurance in Irvine

If saving the most money is your goal, then the best way to get more affordable Mazda Tribute insurance is to start comparing rates regularly from companies in Irvine. Price quotes can be compared by following these steps.

Step 1: Take a little time to learn about how companies price auto insurance and the things you can change to lower rates. Many things that cause high rates like at-fault accidents and poor credit history can be controlled by making minor changes in your lifestyle.

Step 2: Obtain price quotes from independent agents, exclusive agents, and direct companies. Exclusive agents and direct companies can only provide price estimates from one company like Progressive or Farmers Insurance, while agents who are independent can provide prices from multiple insurance companies.

Step 3: Compare the new rates to the premium of your current policy and determine if there is any savings. If you find better rates and make a switch, make sure the effective date of the new policy is the same as the expiration date of the old one.

Step 4: Provide written notification to your current company of your decision to cancel the current policy and submit payment and a completed application to your new company or agent. Be sure to place your new certificate verifying coverage in an accessible location in your vehicle.

An important note is to use identical limits and deductibles on each quote request and and to analyze all possible companies. This ensures a level playing field and many rates to choose from.

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