Compare Mazda Tribute Insurance Quotes in Lubbock

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Discount Mazda Tribute insuranceThe best way we recommend to find lower priced Mazda Tribute insurance in Lubbock is to start comparing prices yearly from insurance carriers who sell auto insurance in Texas. You can compare prices by following these guidelines.

  1. Get a basic knowledge of how your policy works and the modifications you can make to keep rates low. Many rating criteria that cause high rates such as traffic citations and a substandard credit history can be rectified by improving your driving habits or financial responsibility. This article gives additional tips to help keep rates affordable and find overlooked discounts.
  2. Quote rates from direct, independent, and exclusive agents. Exclusive agents and direct companies can give quotes from a single company like Progressive or Allstate, while independent agencies can provide rate quotes from multiple insurance companies. Start a quote
  3. Compare the new quotes to the price on your current policy and see if you can save money. If you find a better price and buy the policy, make sure there is no coverage gap between policies.
  4. Give notification to your current company to cancel your existing policy and submit payment and a completed application to your new agent or company. Immediately keep your new certificate verifying proof of insurance in your glove compartment.

An important part of this process is to try to use similar limits and deductibles on every quote request and and to analyze as many auto insurance providers as possible. This ensures an accurate price comparison and and a good selection of different prices.

Amazingly, a recent NerdWallet.com study showed that over 70% of consumers have bought insurance from the same company for at least four years, and nearly 40% of drivers have never shopped around. American consumers can save hundreds of dollars each year just by getting comparison quotes, but most undervalue the amount of money they would save if they replace their high priced policy.

Lubbock insurance discounts for a Mazda Tribute

Companies offering auto insurance don't list all discounts very well, so the below list has some of the best known and the harder-to-find discounts that you can inquire about if you buy Lubbock auto insurance online.

  • Discount for Good Grades - Being a good student may save you up to 25%. You can use this discount normally until age 25.
  • Telematics Devices - Drivers that enable their insurance company to analyze driving patterns by using a small device installed in their vehicle such as State Farm's In-Drive may see discounts as long as the data is positive.
  • Active Military Service - Being deployed with a military unit could be rewarded with lower insurance rates.
  • Drive Less and Save - Low mileage vehicles can earn lower prices due to less chance of an accident.
  • Resident Student - Youth drivers who live away from home at college and don't have a car may be able to be covered for less.
  • Bundle and Save - When you have multiple policies with the same insurance company you could save as much as 10 to 15 percent.
  • Driver Safety - Successfully completing a course that instructs on driving safety could earn you a small percentage discount if your company offers it.
  • Memberships - Being in qualifying clubs or civic groups is a good way to get lower rates on your bill.

Don't be shocked that most of the big mark downs will not be given to the entire cost. Some only apply to individual premiums such as collision or personal injury protection. So even though it sounds like you can get free auto insurance, insurance companies wouldn't stay in business.

The information below illustrates the difference between Mazda Tribute insurance rates with and without discounts. The prices are based on a female driver, no violations or accidents, Texas state minimum liability limits, full coverage, and $250 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with multi-policy, marriage, multi-car, safe-driver, homeowner, and claim-free discounts applied.

A list of insurance companies and a selection of discounts are:

  • State Farm has discounts for Drive Safe & Save, multiple autos, anti-theft, defensive driving training, safe vehicle, and driver's education.
  • Nationwide includes discounts for multi-policy, Farm Bureau membership, easy pay, business or organization, anti-theft, and family plan.
  • GEICO offers premium reductions for emergency military deployment, multi-vehicle, driver training, seat belt use, and military active duty.
  • AAA offers discounts for good student, AAA membership discount, good driver, pay-in-full, multi-car, multi-policy, and education and occupation.
  • 21st Century discounts include driver training, air bags, anti-lock brakes, student driver, homeowners, and early bird.
  • The Hartford has savings for bundle, good student, air bag, defensive driver, vehicle fuel type, and anti-theft.

If you want cheaper Lubbock auto insurance quotes, ask every company to apply every possible discount. Savings may not be offered everywhere.

The auto insurance companies shown below can provide free rate quotes in Lubbock, TX. If multiple companies are listed, it's a good idea that you visit two to three different companies to get the most affordable price.

Mazda Tribute insurance statistics and information

The data table displayed below showcases a range of policy rates for Mazda Tribute models. Learning a little about how car insurance prices are formulated is important to be able to make smart buying decisions.

Mazda Tribute Insurance Rates in Lubbock, TX
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Tribute I Sport 2WD $180 $392 $340 $20 $102 $1,034 $86
Tribute I Sport 4WD $180 $392 $340 $20 $102 $1,034 $86
Tribute I Touring 2WD $180 $392 $340 $20 $102 $1,034 $86
Tribute I Grand Touring 2WD $206 $392 $340 $20 $102 $1,060 $88
Tribute I Touring 4WD $206 $392 $340 $20 $102 $1,060 $88
Tribute I Grand Touring 4WD $206 $462 $340 $20 $102 $1,130 $94
Tribute S Grand Touring 2WD $206 $462 $340 $20 $102 $1,130 $94
Tribute S Grand Touring 4WD $206 $462 $340 $20 $102 $1,130 $94
Get Your Own Custom Quote Go

Data rating is based on married female driver age 40, no speeding tickets, no at-fault accidents, $500 deductibles, and Texas minimum liability limits. Discounts applied include multi-vehicle, safe-driver, claim-free, homeowner, and multi-policy. Premium costs do not factor in specific Lubbock garaging location which can increase or decrease coverage rates noticeably.

Policy deductibles

One of the hardest decisions when shopping for car insurance is which deductible level should you buy. The tables below can help you understand the rate fluctuation when you buy lower versus higher policy deductibles. The first pricing table uses a $250 physical damage coverage deductible and the second rate table uses a $500 deductible.

Mazda Tribute insurance with $250 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Tribute I Sport 2WD $256 $496 $324 $20 $96 $1,217 $101
Tribute I Sport 4WD $256 $496 $324 $20 $96 $1,217 $101
Tribute I Touring 2WD $256 $496 $324 $20 $96 $1,217 $101
Tribute I Grand Touring 2WD $294 $496 $324 $20 $96 $1,255 $105
Tribute I Touring 4WD $294 $496 $324 $20 $96 $1,255 $105
Tribute I Grand Touring 4WD $294 $584 $324 $20 $96 $1,343 $112
Tribute S Grand Touring 2WD $294 $584 $324 $20 $96 $1,343 $112
Tribute S Grand Touring 4WD $294 $584 $324 $20 $96 $1,343 $112
Get Your Own Custom Quote Go
Mazda Tribute insurance with $500 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Tribute I Sport 2WD $208 $400 $324 $20 $96 $1,048 $87
Tribute I Sport 4WD $208 $400 $324 $20 $96 $1,048 $87
Tribute I Touring 2WD $208 $400 $324 $20 $96 $1,048 $87
Tribute I Grand Touring 2WD $240 $400 $324 $20 $96 $1,080 $90
Tribute I Touring 4WD $240 $400 $324 $20 $96 $1,080 $90
Tribute I Grand Touring 4WD $240 $472 $324 $20 $96 $1,152 $96
Tribute S Grand Touring 2WD $240 $472 $324 $20 $96 $1,152 $96
Tribute S Grand Touring 4WD $240 $472 $324 $20 $96 $1,152 $96
Get Your Own Custom Quote Go

Above prices assume married male driver age 30, no speeding tickets, no at-fault accidents, and Texas minimum liability limits. Discounts applied include multi-policy, safe-driver, claim-free, multi-vehicle, and homeowner. Price estimates do not factor in the specific area where the vehicle is garaged which can impact insurance rates greatly.

Based on the figures above, using a $250 deductible costs about $15 more each month or $180 a year across all Mazda Tribute models than choosing the higher $500 deductible. Since the policyholder would be required to pay $250 more if you file a claim with a $500 deductible as compared to a $250 deductible, if you normally go at least 17 months between claims, you would more than likely save some money if you choose the higher deductible.

Mazda Tribute full coverage rates compared to liability only

The illustration below shows the difference between Mazda Tribute insurance costs with full coverage compared to only the Texas minimum liability coverage. The data is based on no violations or claims, $1,000 deductibles, drivers are single, and no discounts are taken into consideration.

When to stop buying physical damage coverage

There is no set guideline to stop buying comprehensive and collision coverage on your policy, but there is a guideline you can use. If the annual cost of comprehensive and collision coverage is more than about 10% of the replacement cost minus the deductible, then you might consider buying liability only.

For example, let's say your Mazda Tribute book value is $4,000 and you have $1,000 policy deductibles. If your vehicle is totaled, you would only receive $3,000 after you pay the deductible. If you are paying more than $300 annually for full coverage, then it's probably a good time to buy liability coverage only.

There are a few cases where dropping full coverage is not financially feasible. If you have an outstanding loan on your vehicle, you have to keep full coverage in order to satisfy the requirements of the loan. Also, if you can't afford to buy a different vehicle in the event your current vehicle is totaled, you should not consider dropping full coverage.

The Mazda Tribute Insurance Premium Equation

Many different elements are part of the equation when you quote your car insurance policy. Some of the criteria are obvious such as your driving history, but other criteria are less obvious such as your credit history or how financially stable you are.

The items below are some of the most common factors used by your company to calculate your rates.

Insure your auto and home with one company - Most companies will award better rates to people who buy several policies from them. It's known as a multi-policy discount. Even though this discount sounds good, you may still want to shop around to guarantee you are still saving the most.

Cut insurance rates and deter theft - Owning a car that has an advanced theft prevention system can save you some money. Anti-theft devices like vehicle immobilizer systems, General Motors OnStar and LoJack tracking systems can help prevent car theft and help bring rates down.

Claim-free discounts can add up - If you frequently file small claims, you shouldn't be surprised to get increased rates or even have your policy non-renewed. Companies in Texas give lower rates to drivers who are claim-free. Insurance coverage is intended to be relied upon for major claims that would cause financial hardship.

Gender as a rate factor - Over the last 50 years, statistics have shown that females tend to be a little less risky than males. That doesn't necessarily mean that males are worse at driving than females. Males and females have fender benders at a similar rate, but guys tend to have more serious accidents. Not only that, but men also get more serious tickets such as reckless driving.

The illustration below illustrates the comparison of Mazda Tribute car insurance costs for male and female drivers. The rate quotes are based on no claims or driving violations, comprehensive and collision coverage, $1,000 deductibles, drivers are single, and no additional discounts are factored in.

Get married and get better costs - Walking down the aisle may cut your premiums compared to being single. Having a significant other means you're more financially stable and it's statistically proven that married drivers get in fewer accidents.

Higher premiums for specific occupations - Careers such as military personnel, police officers, and medical professionals usually pay the highest average rates due to job stress and incredibly demanding work hours. Other jobs such as actors, engineers and retirees pay lower than average rates.

How do I know if I need professional advice?

Always keep in mind that when comparing adequate coverage for your vehicles, there is no one-size-fits-all type of policy. You are unique.

For instance, these questions might help in determining whether your personal situation may require specific advice.

  • Can I get a multi-policy discount?
  • Is a new car covered when I drive it off the dealer lot?
  • Can I pay claims out-of-pocket if I buy high deductibles?
  • Am I covered if I break a side mirror?
  • Do I need special coverage while pulling a rented trailer?
  • Does my insurance cover a custom paint job?
  • What if a claim settlement is too low?
  • Do I need rental car coverage?
  • Can my teen driver be rated on a liability-only vehicle?

If you don't know the answers to these questions, then you may want to think about talking to a licensed insurance agent. If you want to speak to an agent in your area, complete this form. It only takes a few minutes and may give you better protection.

What if I want to buy from local Lubbock car insurance agents?

Some people would prefer to sit down with an agent and often times that is recommended Good agents are trained to spot inefficiencies and help file insurance claims. One of the benefits of getting free rate quotes online is that drivers can save money and get cheap car insurance rates but still work with a licensed agent. Buying from and supporting neighborhood insurance agencies is definitely important in Lubbock.

Insurance agency in LubbockTo help locate an agent, after submitting this short form, your information gets sent to agents in your area that can give you free Lubbock auto insurance quotes for your coverage. It's much easier because you don't need to contact any agents because quoted prices will be sent instantly to you. If you need to compare prices for a specific company, you would need to navigate to their website and fill out the quote form the provide.

If you would like to find a reputable agency, it's important to understand the types of insurance agents and how they operate. Insurance agencies in Lubbock can either be exclusive or independent (non-exclusive). Both can sell affordable car insurance policies, but it's worth learning the differences since it may influence which agent you choose.

Independent Car Insurance Agencies or Brokers

Independent insurance agents can sell policies from many different companies so as a result can place your coverage with any number of different companies and find the cheapest rate. If you are not satisfied with one company, an independent agent can move your coverage which makes it simple for you.

When comparison shopping, you definitely need to include price quotes from at a minimum one independent agency to maximize your price options. They also have the ability to place coverage with small mutual carriers that many times have cheaper rates.

Shown below is a list of independent insurance agencies in Lubbock that may be able to give price quote information.

More Lubbock agents

Exclusive Car Insurance Agencies

These type of agents can only write with one company such as Farmers Insurance and State Farm. These agents are not able to compare other company's rates so always compare other rates. They are well trained on the products they sell which aids in selling service over price. A lot of people buy from the same agent for years mainly due to loyalty to the company rather than low price.

Shown below is a list of exclusive agents in Lubbock that can give you comparison quotes.

More Lubbock agents

Finding the right insurance agency shouldn't rely on just a cheap price quote. Below are some questions you should ask.

  • Can they help ensure a fair claim settlement?
  • Which companies can they place coverage with?
  • Does the company have a solid financial rating?
  • Are they in the agency full-time?
  • Do they prorate repair cost based on vehicle mileage?
  • How are they compensated?
  • Does the company use OEM repair parts?

Three reasons car insurance is important

Despite the high cost of buying insurance for a Mazda Tribute in Lubbock, car insurance is required by state law in Texas and it also provides benefits you may not be aware of.

First, just about all states have minimum mandated liability insurance limits which means it is punishable by state law to not carry a specific level of liability insurance coverage in order to drive the car legally. In Texas these limits are 30/60/25 which means you must have $30,000 of bodily injury coverage per person, $60,000 of bodily injury coverage per accident, and $25,000 of property damage coverage.

Second, if you have a loan on your Tribute, it's most likely the lender will have a requirement that you have physical damage coverage to ensure they get paid if you total the vehicle. If you let the policy lapse, the lender will be forced to insure your Mazda at a more expensive rate and force you to reimburse them much more than you were paying before.

Third, insurance safeguards not only your Mazda but also your assets. Insurance will pay for medical transport and hospital expenses for yourself as well as anyone injured by you. As part of your policy, liability insurance will also pay to defend you if you are sued as the result of your driving. If your Mazda gets damaged, collision and comprehensive (also known as other-than-collision) coverage will pay to restore your vehicle to like-new condition.

The benefits of having car insurance definitely exceed the cost, especially if you ever need it. An average driver in America is overpaying more than $869 every year so you should quote rates at least once a year to ensure rates are competitive.

Compare but don't skimp

Cheaper Mazda Tribute insurance in Lubbock can be bought from both online companies as well as from insurance agents, so you should compare both so you have a total pricing picture. A few companies may not provide online price quotes and usually these smaller companies prefer to sell through independent agents.

Consumers switch companies for a variety of reasons including high rates after DUI convictions, questionable increases in premium, not issuing a premium refund or delays in responding to claim requests. Regardless of your reason for switching companies, choosing a new insurance company is pretty easy and you might even save some money in the process.

When buying insurance coverage, it's very important that you do not buy less coverage just to save a little money. In many cases, an accident victim reduced liability coverage limits and discovered at claim time that they should have had better coverage. Your strategy should be to buy the best coverage you can find at the best cost and still be able to protect your assets.

More information is located at the links below