Looking for lower-priced Mazda Tribute insurance in Orlando? Are you sick and tired of not being able to scrape enough together to insure your Mazda every month? You are no different than many other Florida consumers.
It’s safe to conclude that insurance companies don’t want you to compare rates. Drivers who perform rate comparisons will, in all likelihood, move their business because there are good odds of finding more affordable rates. A recent insurance study revealed that drivers who regularly compared rates saved about $72 a month compared to other drivers who never shopped around for lower prices.
If finding budget-friendly auto insurance is your target objective, learning how to choose a company and compare insurance premiums can help simplify the task of finding more affordable coverage.
How to find cheaper rates for Mazda Tribute insurance in Orlando
The preferred way to get affordable Mazda Tribute insurance is to compare quotes annually from providers in Orlando.
- First, it will benefit you to learn about what coverages are included in your policy and the things you can change to prevent rate increases. Many factors that drive up the price such as accidents, traffic violations, and a negative credit history can be remedied by making minor driving habit or lifestyle changes.
- Second, compare prices from direct carriers, independent agents, and exclusive agents. Exclusive and direct companies can only provide price estimates from one company like Progressive and State Farm, while agents who are independent can give you price quotes for a wide range of companies.
- Third, compare the new rates to your existing coverage to determine if switching companies saves money. If you find better rates and buy the policy, make sure coverage is continuous and does not lapse.
- Fourth, provide proper notification to your current company to cancel your current car insurance policy and submit the application along with any required down payment for your new policy. Immediately upon receiving it, store the proof of insurance certificate in your vehicle.
The key thing to remember is to make sure you enter the same level of coverage on every price quote and and to get quotes from all possible companies. This guarantees an apples-to-apples comparison and a good representation of prices.
Popular companies such as State Farm and GEICO persitently shower you with catchy ads and consumers find it hard to sift through the bull and take the time to shop coverage around.
These discounts can cut Mazda Tribute insurance rates
Some insurance providers don’t list every available discount very clearly, so the following list contains both the well known as well as some of the hidden credits available to bring down your rates.
- Driver’s Education for Students – Have your child enroll in driver’s education if offered at their school.
- No Accidents – Insureds with no claims or accidents get the best insurance rates in comparison to accident-prone drivers.
- Distant College Student Discount – Children who are enrolled in higher education away from home and won’t have access to an insured vehicle may qualify for this discount.
- Safety Restraint Discount – Drivers who require all occupants to use their safety belts can save a little off PIP or medical payments premium.
- Pay Now and Pay Less – By paying your entire bill at once rather than spreading payments over time you may have a lower total premium amount.
- Memberships – Participating in qualifying employment or professional organizations could qualify you for a break on insurance.
- Federal Government Employee – Employees or retirees of the government can save as much as 8% with select insurance companies.
- Safety Course Discount – Participating in a course that instructs on driving safety could cut 5% off your bill and also improve your driving technique.
- Anti-theft Discount – Cars that have factory anti-theft systems help deter theft and will save you 10% or more on Tribute insurance in Orlando.
- New Vehicle Savings – Buying a new car instead of a used Tribute may earn a small discount because new vehicles keep occupants safer.
Don’t be surprised that some credits don’t apply to your bottom line cost. Most only apply to the cost of specific coverages such as comp or med pay. Even though it appears having all the discounts means you get insurance for free, it’s just not the way it works.
The diagram below compares Mazda Tribute insurance costs with and without discounts applied to the premium. Data assumes a female driver, no claims or driving violations, Florida state minimum liability limits, comp and collision included, and $250 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with multi-policy, safe-driver, marriage, multi-car, homeowner, and claim-free discounts applied.
To see insurance companies with discount insurance rates in Florida, click here.
When comparing auto insurance rates, know that comparing a wide range of rates provides better odds of finding more affordable insurance.
The providers in the list below are our best choices to provide free rate quotes in Orlando, FL. To get cheap auto insurance in Orlando, FL, we suggest you visit two to three different companies in order to find the cheapest rates.
Car insurance analysis for a Mazda Tribute
The table displayed next showcases estimates of insurance rates for Mazda Tribute models. Being more informed about how premiums are formulated is important for making smart buying decisions.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Tribute I Sport 2WD | $216 | $450 | $334 | $20 | $100 | $1,120 | $93 |
| Tribute I Sport 4WD | $216 | $450 | $334 | $20 | $100 | $1,120 | $93 |
| Tribute I Touring 2WD | $216 | $450 | $334 | $20 | $100 | $1,120 | $93 |
| Tribute I Grand Touring 2WD | $248 | $450 | $334 | $20 | $100 | $1,152 | $96 |
| Tribute I Touring 4WD | $248 | $450 | $334 | $20 | $100 | $1,152 | $96 |
| Tribute I Grand Touring 4WD | $248 | $532 | $334 | $20 | $100 | $1,234 | $103 |
| Tribute S Grand Touring 2WD | $248 | $532 | $334 | $20 | $100 | $1,234 | $103 |
| Tribute S Grand Touring 4WD | $248 | $532 | $334 | $20 | $100 | $1,234 | $103 |
| Get Your Own Custom Quote Go | |||||||
Above prices assume married female driver age 50, no speeding tickets, no at-fault accidents, $250 deductibles, and Florida minimum liability limits. Discounts applied include multi-vehicle, multi-policy, homeowner, claim-free, and safe-driver. Price estimates do not factor in specific garaging location which can revise price quotes noticeably.
Raise deductibles and save
One of the hardest decisions when shopping for car insurance is which deductibles should you choose. The rates shown below can help show the cost difference of buying low and high policy deductibles. The first data table uses a $100 deductible and the second price grid uses a $1,000 deductible.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Tribute I Sport 2WD | $312 | $648 | $354 | $20 | $106 | $1,465 | $122 |
| Tribute I Sport 4WD | $312 | $648 | $354 | $20 | $106 | $1,465 | $122 |
| Tribute I Touring 2WD | $312 | $648 | $354 | $20 | $106 | $1,465 | $122 |
| Tribute I Grand Touring 2WD | $358 | $648 | $354 | $20 | $106 | $1,511 | $126 |
| Tribute I Touring 4WD | $358 | $648 | $354 | $20 | $106 | $1,511 | $126 |
| Tribute I Grand Touring 4WD | $358 | $764 | $354 | $20 | $106 | $1,627 | $136 |
| Tribute S Grand Touring 2WD | $358 | $764 | $354 | $20 | $106 | $1,627 | $136 |
| Tribute S Grand Touring 4WD | $358 | $764 | $354 | $20 | $106 | $1,627 | $136 |
| Get Your Own Custom Quote Go | |||||||
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Tribute I Sport 2WD | $174 | $342 | $354 | $20 | $106 | $996 | $83 |
| Tribute I Sport 4WD | $174 | $342 | $354 | $20 | $106 | $996 | $83 |
| Tribute I Touring 2WD | $174 | $342 | $354 | $20 | $106 | $996 | $83 |
| Tribute I Grand Touring 2WD | $200 | $342 | $354 | $20 | $106 | $1,022 | $85 |
| Tribute I Touring 4WD | $200 | $342 | $354 | $20 | $106 | $1,022 | $85 |
| Tribute I Grand Touring 4WD | $200 | $402 | $354 | $20 | $106 | $1,082 | $90 |
| Tribute S Grand Touring 2WD | $200 | $402 | $354 | $20 | $106 | $1,082 | $90 |
| Tribute S Grand Touring 4WD | $200 | $402 | $354 | $20 | $106 | $1,082 | $90 |
| Get Your Own Custom Quote Go | |||||||
Price data assumes married male driver age 30, no speeding tickets, no at-fault accidents, and Florida minimum liability limits. Discounts applied include safe-driver, multi-vehicle, homeowner, multi-policy, and claim-free. Premium costs do not factor in specific Orlando garaging location which can alter auto insurance rates significantly.
Based on these figures, using a $100 deductible will cost you roughly $42 more each month or $504 each year than opting for the higher $1,000 deductible. Since you would pay $900 more out-of-pocket with a $1,000 deductible as compared to a $100 deductible, if you go at least 21 months between claims, you would probably save some money if you opt for a higher deductible.
How to decide to raise your deductibles
| Average monthly premium for $100 deductibles: | $128 |
| Average monthly premium for $1,000 deductibles (subtract): | – $86 |
| Monthly savings from raising deductible: | $42 |
| Difference between deductibles ($1,000 – $100): | $900 |
| Divide difference by monthly savings: | $900 / $42 |
| Number of months required between physical damage coverage claims in order to save money by choosing the higher deductible | 21 months |
An important thing to remember is that increasing deductibles to save money means you will have to pay more if you have a claim. You will want to have enough savings in the event you need to pay more to get your vehicle repaired.
The diagram below highlights how deductible selection and can raise or lower Mazda Tribute yearly insurance costs for different age groups of insureds. The information is based on a married female driver, full physical damage coverage, and no discounts are factored in.
Careless driving habits raise Orlando car insurance rates
The diagram below highlights how traffic violations and fender-benders can impact Mazda Tribute premium costs for different age groups. The rates are based on a married female driver, comp and collision included, $100 deductibles, and no discounts are taken into consideration.
Rate difference between full and liability-only coverage
The chart below compares Mazda Tribute premium costs with liability coverage only compared to full coverage. The rate quotes are based on no violations or accidents, $1,000 deductibles, drivers are not married, and no additional discounts are factored in.
When to stop paying for full coverage
There is no set guideline that works best for making the decision to drop physical damage coverage, but there is a general guideline. If the yearly cost of full coverage is 10% or more of any settlement you would receive from your insurance company, then it might be time to buy liability only.
For example, let’s pretend your Mazda Tribute book value is $9,000 and you have $1,000 policy deductibles. If your vehicle is destroyed, the most you would receive is $8,000 after paying the physical damage deductible. If premium cost is more than $800 annually to have full coverage, then you might consider buying liability only.
There are a few situations where dropping full coverage is not a good idea. If you haven’t paid off your loan, you must maintain physical damage coverage in order to keep the loan. Also, if you cannot afford to purchase a different vehicle if your current one is damaged, you should not consider dropping full coverage.
Buy Mazda Tribute Insurance for Less
Lots of things are taken into consideration when you quote your car insurance policy. Some are pretty understandable such as your driving history, but others are less obvious like your continuous coverage or your financial responsibility. Smart consumers have a good feel for some of the elements that are used to determine the level of your policy premiums. When consumers understand what positively or negatively impacts your premiums, this enables informed choices that will entitle you to lower premium levels.
Your gender affects prices – Over time, data shows women are more cautious behind the wheel. That doesn’t necessarily mean that women are BETTER drivers than men. Men and women tend to get into accidents in similar percentages, but males have costlier accidents. They also receive more costly citations such as reckless driving.
The diagram below compares Mazda Tribute insurance rates for male and female drivers. The data is based on no accidents, no driving violations, full coverage, $100 deductibles, drivers are not married, and no discounts are applied.
More miles equals more premium – Driving a lot of miles annually the higher the price you pay to insure it. Most insurance companies charge to insure your cars based on how the vehicle is used. Cars and trucks that do not get driven very much get more affordable rates than those that get driven frequently. Having the wrong rating on your Tribute may be costing you. Verify your insurance coverage reflects the proper vehicle usage.
Where you live can modify rates – Choosing to live in less populated areas is a positive aspect when shopping for auto insurance. Less people means a lower chance of having an accident and lower theft and vandalism rates. Drivers who live in large Florida cities have to deal with more aggressive driving styles and longer commutes to work. The longer drive time means higher likelihood of an accident.
If you don’t need it don’t buy it – There are many additional extra coverages that you can get tricked into buying on your insurance policy. Coverages for roadside assistance, death and dismemberment, and membership fees are probably not needed. The coverages may be enticing when talking to your agent, but if you don’t need them get rid of them and save.
Do you know you’re credit rating? – Having a bad credit score is likely to be a major factor in calculating your premium rate. If your credit rating is lower than you’d like, you may save money insuring your Mazda Tribute by improving your credit score. Consumers who have very good credit scores tend to be more responsible and file fewer claims than those with lower credit ratings.
Teenagers are high risk – Mature drivers have been proven to be more responsible, statistically cause fewer accidents, and are generally more financially stable. Youthful drivers tend to be inattentive and easily distracted when behind the wheel so they pay higher insurance rates.
The following data uses these variables: single driver, full coverage with $250 deductibles, and no discounts or violations.
Lower insurance rates with GPS tracking and theft deterrents – Selecting a car model with anti-theft technology or alarm system can earn a premium discount. Advanced theft deterrents such as vehicle immobilizer systems, OnStar, and tracking devices like LoJack all help stop your vehicle from being stolen.
Car insurance quotes from neighborhood Orlando auto insurance agents
A small number of people would rather buy from a licensed agent and that can be a smart move An additional benefit of comparing car insurance online is the fact that drivers can get lower rates and still buy from a local agent.
By using this simple form, your coverage information is immediately sent to participating agents in Orlando that provide free Orlando auto insurance quotes for your insurance coverage. It makes it easy because there is no need to contact any agents because prices are sent directly to you. You can get cheaper car insurance rates without the usual hassles of price shopping. If you want to get a comparison quote for a specific company, feel free to jump over to their website and give them your coverage information.
Finding the right insurer requires more thought than just a cheap price. The following questions are important to ask.
- How much will you save each year by using a higher deductible?
- Is insurance their full-time profession?
- What insurance company do they write the most business with?
- Will you get a loaner vehicle if you car is being repaired?
- Do they offer accident forgiveness?
- Where would your vehicle be repaired?
- Are claims handled at the agent’s location?
If you are wanting to purchase car insurance from a good Orlando insurance agent, there are a couple of different types of agents and how they can service your needs differently. Orlando agents are either exclusive agents or independent agents.
Exclusive Agencies
Agents that choose to be exclusive can only place business with one company and some examples include American Family, State Farm, and Allstate. Exclusive agents cannot compare other company’s rates so they have to upsell other benefits. They are highly trained on their company’s products which helps them sell insurance even at higher premiums.
Below is a short list of exclusive agents in Orlando that are able to give comparison quotes.
Rocco English – State Farm Insurance Agent
7536 Dr Phillips Blvd #320 – Orlando, FL 32819 – (407) 351-5353 – View Map
David Chong – State Farm Insurance Agent
10421 Moss Park Rd – Orlando, FL 32832 – (407) 736-9700 – View Map
Bruce Baltich – State Farm Insurance Agent
198 S Semoran Blvd – Orlando, FL 32807 – (407) 273-9170 – View Map
Independent Agents (or Brokers)
Independent agencies do not work for one specific company and that allows them to write policies with many different companies enabling the ability to shop coverage around. If your premiums go up, your agent can just switch to a different company and you don’t have to switch agencies. If you are comparing car insurance prices, you definitely need to get insurance quotes from independent agents in order to compare the most rates.
The following is a list of independent agencies in Orlando that can give you rate quotes.
Orlando Insurance Agency
5764 N Orange Blossom Trail – Orlando, FL 32810 – (407) 901-2103 – View Map
worldwide insurance agency
4697 Rose Coral Dr #7 – Orlando, FL 32808 – (407) 616-7894 – View Map
Gingerbread Insurance Agency
8000 S Orange Ave #201 – Orlando, FL 32809 – (407) 309-9949 – View Map
Once you have satisfactory answers and a low price estimate, it’s possible that you found a car insurance agent that can be trusted to service your policy. Just understand that it’s your coverage and you can cancel a policy whenever you wish so don’t assume that you are permanently stuck with a specific agent for any length of time.
Insurance protects more than just your car
Despite the high insurance cost for a Mazda Tribute in Orlando, insuring your vehicle may not be optional for several reasons.
- Just about all states have mandatory insurance requirements which means you are required to carry specific minimum amounts of liability insurance coverage in order to get the vehicle licensed. In Florida these limits are 10/20/10 which means you must have $10,000 of bodily injury coverage per person, $20,000 of bodily injury coverage per accident, and $10,000 of property damage coverage.
- If you bought your Mazda with a loan, almost all lenders will require that you have full coverage to protect their interest in the vehicle. If you let the policy lapse, the lender will be forced to insure your Mazda for a much higher rate and make you pay the higher price.
- Insurance protects your Mazda and your assets. It will also provide coverage for hospital and medical expenses for both you and anyone you injure as the result of an accident. Liability coverage also pays for attorney fees and expenses in the event you are sued. If your car is damaged in a storm or accident, comprehensive and collision coverage will pay to repair the damage minus the deductible amount.
The benefits of insuring your Tribute more than cancel out the cost, especially when you need to use it. Unknowingly, the average driver is currently overpaying as much as $825 a year so you should quote rates at least once a year to ensure rates are competitive.
Compare. Compare. Compare.
When you buy Orlando auto insurance online, it’s a bad idea to buy lower coverage limits just to save a few bucks. In too many instances, someone sacrificed full coverage only to regret at claim time that they should have had better coverage. The proper strategy is to purchase plenty of coverage at the best cost while not skimping on critical coverages.
We’ve covered a lot of techniques to reduce Mazda Tribute insurance auto insurance rates online in Orlando. The most important thing to understand is the more times you quote, the better likelihood of getting affordable Mazda Tribute insurance quotes. Consumers may even find the lowest auto insurance rates are with a small local company. Regional companies may only write in your state and offer lower premium rates as compared to the big name companies such as Allstate, GEICO and Progressive.
Steps to quoting cheaper Mazda Tribute insurance in Orlando
It takes a little time, but the best way to find affordable quotes for Mazda Tribute insurance in Orlando is to do an annual price comparison from insurance carriers that sell auto insurance in Florida. You can compare prices by following these guidelines.
- First, get a basic knowledge of how your policy works and the factors you can control to keep rates low. Many factors that increase rates such as traffic citations, accidents, and a not-so-good credit score can be amended by making small lifestyle or driving habit changes.
- Second, obtain price quotes from independent agents, exclusive agents, and direct companies. Exclusive agents and direct companies can only give prices from a single company like GEICO and Allstate, while independent agencies can provide prices for many different companies. View a list of agents
- Third, compare the new rate quotes to the price on your current policy to see if a cheaper rate is available in Orlando. If you find a lower rate quote and switch companies, make sure coverage is continuous and does not lapse.
The most important part of shopping around is that you’ll want to compare identical deductibles and limits on every price quote and and to get quotes from as many car insurance companies as possible. Doing this helps ensure a fair rate comparison and a thorough selection of prices.
Helpful resources
- Crash Avoidance Technologies FAQ (iihs.org)
- Who Has the Cheapest Orlando Auto Insurance for Single Moms? (FAQ)
- Who Has Affordable Auto Insurance Quotes for a Company Car in Orlando? (FAQ)
- What Insurance is Cheapest for Drivers Over Age 60 in Orlando? (FAQ)
- Who Has Affordable Orlando Auto Insurance Rates for Uninsured Drivers? (FAQ)
- Who Has Cheap Auto Insurance Quotes for a Ford Focus in Orlando? (FAQ)
- How Much are Orlando Auto Insurance Quotes for Unemployed Drivers? (FAQ)
- Five Steps to Filing an Auto Insurance Claim (Insurance Information Institute)
- Pickups fall short in headlight tests (Insurance Institute for Highway Safety)