Cheapest Rates for Mazda Tribute Insurance in Plano

  1. Home
  2. >
  3. Plano Auto Insurance
  4. >
  5. Mazda Tribute

It takes a few minutes, but the best way to get cheaper auto insurance rates in Plano is to compare quotes annually from insurance carriers who provide auto insurance in Texas.

  1. Spend some time learning about coverages and the factors you can control to keep rates down. Many factors that increase rates such as accidents, careless driving, and bad credit can be amended by paying attention to minor details.
  2. Compare rates from exclusive agents, independent agents, and direct providers. Exclusive and direct companies can only give prices from a single company like Progressive or Farmers Insurance, while independent agents can quote rates for a wide range of insurance providers.
  3. Compare the price quotes to your existing policy and determine if there is any savings. If you find a lower rate quote and decide to switch, ensure there is no coverage lapse between policies.

A good tip to remember is that you'll want to make sure you compare identical deductibles and limits on each price quote and and to look at as many auto insurance providers as possible. Doing this enables a fair rate comparison and the best rate selection.

Insurance for Mazda TributeIt's hard to fathom, but the vast majority of consumers kept their policy with the same company for four years or more, and nearly half have never compared rates with other companies. Plano drivers could cut their rates by roughly $1,800 a year by just comparing quotes, but most undervalue how much savings they would realize if they switched.

We hope to tell you how car insurance quotes work and some tips to save money. If you already have coverage, you will surely be able to buy cheaper auto insurance using these methods. But Texas car owners can benefit from knowing the methods companies use to determine premium rates.

Informed Drivers Can Reduce Their Insurance Rates

The best way to find cheaper car insurance is to take a look at some of the elements that go into determining car insurance rates. If you have some idea of what controls the rates you pay, this enables informed choices that can help you get lower car insurance prices. Lots of factors are part of the calculation when you get a price on insurance. Some are pretty understandable such as traffic violations, although some other factors are not quite as obvious such as whether you are married or your vehicle rating.

The list below includes some of the items used by companies to determine premiums.

  • Your stress level may be raising your rates - Careers such as military personnel, police officers, and medical professionals generally have higher average rates attributed to intense work requirements and long work days. Conversely, careers like scientists, engineers and homemakers generally pay rates lower than average.
  • Your location is a factor - Having an address in a small town is a positive aspect when buying car insurance. People in densely populated areas regularly have more aggressive driving styles and more severe claims. Fewer people means reduced accidents in addition to lower liability claims.
  • Only buy what you need - There are quite a few extra coverages that can add up if you aren't diligent. Coverage for things like rental car coverage, death and dismemberment, and extra equipment coverage are some examples. These coverages may sound good at first, but if you have no use for them consider taking them off your policy.
  • Be proud to be claim-free - Insurance companies in Texas generally give lower rates to insureds who only file infrequent claims. If you are a frequent claim filer, you can expect higher premiums or even policy non-renewal. Insurance coverage is intended for more catastrophic claims.
  • Rates can drop if you have more than one policy - Most larger insurance companies afford better rates to buyers that purchase more than one policy. It's known as a multi-policy discount. Even if you already get this discount, you may still want to check prices from other companies to ensure the best deal.There is a chance you can save more without the discount even if you have your coverage with different companies
  • Performance affects insurance rates - The type of vehicle you are buying insurance for makes a huge difference in your premium level. Lower performance four cylinder passenger models receive the most favorable rates, but your final cost has many other factors.

    The following chart uses these assumptions: single male driver age 50, full coverage with $500 deductibles, and no discounts or violations. The chart compares Mazda Tribute insurance premiums compared to other makes and models that have different risk factors.

Rate information and statistics

The premium table shown next outlines a range of coverage costs for Mazda Tribute models. Learning a little about how insurance prices are formulated can help drivers make smart choices when buying a policy.

Mazda Tribute Insurance Rates in Plano, TX
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Tribute I Sport 2WD $246 $560 $422 $24 $126 $1,378 $115
Tribute I Sport 4WD $246 $560 $422 $24 $126 $1,378 $115
Tribute I Touring 2WD $246 $560 $422 $24 $126 $1,378 $115
Tribute I Grand Touring 2WD $282 $560 $422 $24 $126 $1,414 $118
Tribute I Touring 4WD $282 $560 $422 $24 $126 $1,414 $118
Tribute I Grand Touring 4WD $282 $660 $422 $24 $126 $1,514 $126
Tribute S Grand Touring 2WD $282 $660 $422 $24 $126 $1,514 $126
Tribute S Grand Touring 4WD $282 $660 $422 $24 $126 $1,514 $126
Get Your Own Custom Quote Go

Above prices assume single female driver age 40, no speeding tickets, no at-fault accidents, $250 deductibles, and Texas minimum liability limits. Discounts applied include multi-vehicle, multi-policy, safe-driver, claim-free, and homeowner. Price information does not factor in your specific Plano location which can affect insurance rates greatly.

Can higher deductibles save money?

One of the hardest decisions when shopping for insurance is how high or low should comp and collision deductibles be. The following insurance rates can help you visualize the price difference between high and low physical damage coverage deductibles. The first rate quote example uses a $250 deductible for comprehensive and collision coverage and the second price grid uses a $500 deductible.

Mazda Tribute insurance prices 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 prices 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

Data rating is based on married male driver age 30, no speeding tickets, no at-fault accidents, and Texas minimum liability limits. Discounts applied include homeowner, multi-vehicle, claim-free, safe-driver, and multi-policy. Rates do not factor in the specific area where the vehicle is garaged which can raise or lower premiums noticeably.

Based on the data above, we can derive that using a $250 deductible costs about $15 more each month or $180 every year than requesting the higher $500 deductible. Since you would pay $250 more if you turn in a claim with a $500 deductible as compared to a $250 deductible, if you go more than 17 months between claim filings, you would save money by selecting a higher deductible.

Affordable Plano insurance quotes with discounts

Auto insurance companies don't always list all available discounts very well, so the list below contains both the well known in addition to some of the lesser obvious credits that you can use to lower your rates. If you do not check that you are getting every discount you deserve, you're paying more than you need to.Insurance discounts

  • Safety Restraint Discount - Requiring all passengers to wear their seat belts can save up to 10 percent (depending on the company) off the personal injury premium cost.
  • Accident-Free Discounts - Good drivers with no accidents can save substantially when compared to frequent claim filers.
  • Defensive Driver Discount - Participating in a course teaching driver safety skills could cut 5% off your bill if your company offers it.
  • Discounts for Government Workers - Simply working for the federal government may qualify for a discount when you quote Plano auto insurance with certain companies.
  • Membership in Organizations - Belonging to qualifying clubs or civic groups is a simple method to lower premiums on insurance.
  • Onboard Data Collection - Drivers who elect to allow driving data submission to spy on driving habits by using a telematic data system such as Allstate's Drivewise and State Farm's In-Drive system might get better premium rates if their driving habits are good.
  • Military Deployment Discount - Being deployed with a military unit may qualify for rate reductions.
  • Discounts for Multiple Vehicles - Buying a policy with multiple cars on one policy qualifies for this discount.
  • First Accident Forgiveness - This one is not really a discount per se, but some companies like Liberty Mutual and GEICO will allow you to have one accident without getting socked with a rate hike if you are claim-free prior to being involved in the accident.
  • Theft Deterrent Discount - Cars, trucks, and SUVs optioned with advanced anti-theft systems can help prevent theft and will save you 10% or more on Tribute insurance in Plano.

A little disclaimer on discounts, many deductions do not apply to the entire cost. Some only reduce the price of certain insurance coverages like medical payments or collision. Despite the fact that it seems like all the discounts add up to a free policy, it doesn't quite work that way.

The diagram below shows the comparison of Mazda Tribute car insurance costs with and without discounts. The premium estimates are based on a male driver, no driving violations, no at-fault accidents, Texas 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 safe-driver, claim-free, multi-car, homeowner, multi-policy, and marriage discounts applied.

Large insurance companies and a partial list of their discounts are shown below.

  • AAA has savings for pay-in-full, multi-policy, good driver, anti-theft, AAA membership discount, good student, and multi-car.
  • Progressive may have discounts that include homeowner, online signing, multi-policy, continuous coverage, online quote discount, and multi-vehicle.
  • State Farm policyholders can earn discounts including Steer Clear safe driver discount, safe vehicle, student away at school, anti-theft, passive restraint, multiple autos, and driver's education.
  • Esurance includes discounts for anti-lock brakes, renters, multi-car, good driver, and Switch & Save.
  • Nationwide has discounts for family plan, accident-free, multi-policy, business or organization, defensive driving, anti-theft, and Farm Bureau membership.

It's a good idea to ask each company what discounts are available to you. Discounts might not apply everywhere. For a list of companies who offer free Mazda Tribute insurance quotes in Plano, click here.

Which auto insurance company is best in Plano?

Ending up with the top company can be a challenge considering how many companies are available to choose from in Plano. The company ratings shown next may help you choose which providers you want to consider to insure your vehicles.

Top 10 Plano Car Insurance Companies by A.M. Best Rank

  1. Travelers - A++
  2. USAA - A++
  3. GEICO - A++
  4. State Farm - A++
  5. Titan Insurance - A+
  6. Esurance - A+
  7. Progressive - A+
  8. The Hartford - A+
  9. Allstate - A+
  10. Nationwide - A+

Top 10 Plano Car Insurance Companies Ranked by Customer Service

  1. USAA
  2. Travelers
  3. Mercury Insurance
  4. AAA Insurance
  5. Nationwide
  6. Safeco Insurance
  7. Progressive
  8. State Farm
  9. The Hartford
  10. The General

Cheap rates are available

We just showed you some good ideas how to get a better price on Mazda Tribute insurance in Plano. The key concept to understand is the more providers you compare, the better likelihood of getting affordable Mazda Tribute insurance quotes. Drivers may even discover the biggest savings come from a company that doesn't do a lot of advertising.

Insureds who switch companies do it for a number of reasons such as questionable increases in premium, not issuing a premium refund, being labeled a high risk driver and policy cancellation. Regardless of your reason for switching companies, finding a new company is pretty easy and you might even save some money in the process.

When getting Plano auto insurance quotes online, it's not a good idea to buy less coverage just to save a little money. In many cases, someone sacrificed collision coverage only to regret that the small savings ended up costing them much more. Your strategy should be to purchase plenty of coverage at a price you can afford, but do not skimp to save money.

For more information, feel free to browse these articles: