Save Money on Mazda Tribute Insurance in Columbus

Inconceivable but true, a large majority of drivers renewed their policy with the same company for well over three years, and nearly 40% of drivers have never taken the time to shop around. Many consumers in Ohio can save hundreds of dollars each year, but they don’t invest the time required to do a rate comparison.

The best way we recommend to get more affordable car insurance rates is to regularly compare price quotes from different companies who provide car insurance in Columbus. Rate comparisons can be done by completing these steps.

1. Take a few minutes and learn about how car insurance works and the things you can control to keep rates down. Many policy risk factors that increase rates like traffic violations and a substandard credit history can be improved by improving your driving habits or financial responsibility.
2. Compare rates from direct carriers, independent agents, and exclusive agents. Exclusive agents and direct companies can only provide price estimates from one company like GEICO or State Farm, while independent agencies can quote rates from multiple insurance companies.
3. Compare the quotes to your existing coverage to see if a cheaper price is available. If you find a better price and make a switch, make sure the effective date of the new policy is the same as the expiration date of the old one.

An important note is to try to use identical deductibles and limits on each quote request and and to compare all possible companies. Doing this guarantees an apples-to-apples comparison and a good representation of prices.

Companies offering low-cost Mazda Tribute price quotes in Columbus, OH

The companies in the list below offer free rate quotes in Columbus, OH. If more than one company is shown, it’s a good idea that you visit several of them in order to get a fair rate comparison.

Mazda Tribute insurance charts and tables

The price information below showcases estimates of insurance premium costs for Mazda Tribute models. Understanding how policy rates are formulated can aid in making decisions on which insurance to purchase.

Above prices assume single male driver age 30, no speeding tickets, no at-fault accidents, $500 deductibles, and Ohio minimum liability limits. Discounts applied include homeowner, claim-free, multi-policy, multi-vehicle, and safe-driver. Table data does not factor in specific location which can raise or lower insurance rates substantially.

Auto insurance deductibles

One of the most common auto insurance questions is what deductibles to buy. The following insurance rates can help show the costs and benefits between low and high comp and collision deductibles. The first data table uses a $250 deductible for comp and collision and the second rate table uses a $1,000 deductible.

Data rating is based on married male driver age 30, no speeding tickets, no at-fault accidents, and Ohio minimum liability limits. Discounts applied include homeowner, claim-free, multi-policy, safe-driver, and multi-vehicle. Premium costs do not factor in vehicle location which can lower or raise insurance rates substantially.

Based on this data, we can arrive at the conclusion that using a $250 deductible costs roughly $17 more each month or $204 a year than quoting the higher $1,000 deductible. Due to the fact that you would have to pay $750 more to settle a claim with a $1,000 deductible as compared to a $250 deductible, if you usually have at a minimum 44 months between claim filings, you would probably save some money by selecting a higher deductible.

Insurance rate increases from tickets or accidents

The example below shows how violations and fender-benders impact Mazda Tribute annual premium costs for different age categories. The price estimates are based on a married male driver, comp and collision included, $100 deductibles, and no discounts are applied.

Yearly auto insurance costs for men versus women

The diagram below illustrates the difference between Mazda Tribute insurance prices for male and female drivers. The premiums are based on no violations or accidents, full physical damage coverage, $100 deductibles, drivers are not married, and no other discounts are factored in.

Full coverage rates compared to liability-only

The illustration below visualizes the comparison of Mazda Tribute car insurance costs with and without physical damage coverage. Data assumes a clean driving record, no claims, $1,000 deductibles, drivers are not married, and no discounts are taken into consideration.

When to drop full coverage

There is no clear-cut rule that is best for determining when to drop comprehensive and collision coverage on your policy, but there is a general convention. If the annual cost of having full coverage is about 10% or more of replacement cost minus your deductible, then you might consider buying liability only.

For example, let’s say your Mazda Tribute settlement value is $7,000 and you have $1,000 physical damage deductibles. If your vehicle is totaled, you would only receive $6,000 after you pay the deductible. If you are currently paying more than $600 a year for physical damage coverage, then it could be time to drop full coverage.

There are a few cases where eliminating full coverage is not recommended. If you still have a lienholder on your title, you must maintain physical damage coverage in order to prevent your loan from defaulting. Also, if your finances do not allow you to purchase a different vehicle in case of an accident, you should not remove full coverage.

Car insurance policy discounts you can’t miss

Car insurance can be pricey, but you can get discounts that you may not even be aware of. Some discounts will apply when you get a quote, but some must be asked about before they will apply.

• Accident-Free Discounts – Drivers with accident-free driving histories pay much less as opposed to frequent claim filers.
• Memberships – Joining qualifying clubs or civic groups can get you a small discount on your bill.
• Full Payment Discount – By making one initial payment rather than paying monthly you can actually save on your bill.
• Air Bags and Passive Restraints – Factory air bags or motorized seat belts could see savings of 20% or more.
• Accident Forgiveness – Not a discount per se, but companies like Progressive and Allstate permit an accident without getting socked with a rate hike so long as you haven’t had any claims before the accident.

Don’t be surprised that most credits do not apply to the entire cost. Most cut individual premiums such as liability and collision coverage. So despite the fact that it appears all those discounts means the company will pay you, it’s just not the way it works. But any discount will reduce your premiums.

The example below compares Mazda Tribute auto insurance costs with and without discounts applied. The premium estimates are based on a male driver, no accidents, no driving violations, Ohio state minimum liability limits, full physical damage coverage, and $500 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with multi-car, safe-driver, claim-free, marriage, multi-policy, and homeowner discounts applied.

If you would like to view insurers with the best discounts in Columbus, follow this link.

Why Smart Consumers Pay Less for Mazda Tribute Insurance

Lots of things are used when pricing auto insurance. Some are pretty understandable like a motor vehicle report, although others are not as apparent such as whether you are married or your financial responsibility.

The items below are some of the major factors used by your company to calculate premiums.

Increase deductibles and save – The deductibles define the amount you are required to spend out-of-pocket before your insurance pays a claim. Physical damage coverage, commonly called comprehensive (or other-than-collision) and collision coverage, covers damage that occurs to your car. Some examples of covered claims could be collision with another vehicle, collision with a deer, and having a roll-over accident. The more you are required to pay out-of-pocket, the less your company will charge you for insurance.

Stay claim-free and lower prices – If you are the type of insured that files lots of claims you shouldn’t be surprised to get either higher rates or even cancellation. Auto insurance companies in Ohio provide better rates to insureds who are not frequent claim filers. Auto insurance is intended to be relied upon for more catastrophic claims.

Performance affects insurance premiums – The performance level of the car you are insuring makes a significant difference in the rate you pay. The lowest rates are usually found on low performance passenger models, but many other things help determine your insurance rates.

The data below uses these variables: married male driver age 30, full coverage with $100 deductibles, and no discounts or violations. It illustrates Mazda Tribute car insurance rates compared to other vehicles that have different performance rating factors.

Big city or small town – Having an address in a small town can be a good thing when buying insurance. People in densely populated areas have congested traffic and more severe claims. Less people living in that area means reduced accidents and also fewer theft and vandalism claims.

Age of drivers – Young drivers in Ohio have a tendency to get distracted easily in a vehicle so they pay higher insurance rates. Mature drivers tend to be more responsible, cause fewer claims and accidents, and are safer drivers.

The chart below uses these assumptions: single driver, full coverage with $250 deductibles, and no discounts or violations.

Liability safeguards assets – Your insurance policy’s liability coverage will provide protection if ever you are determined to be liable for damages caused by your negligence. This coverage provides legal defense coverage starting from day one. Carrying liability coverage is mandatory and cheap compared to insuring for physical damage coverage, so do not skimp.

Single drivers take more risk – Having a spouse can actually save you money on your policy. Marriage is viewed as being more mature and responsible and statistics show married drivers get in fewer accidents.

Certain vocations pay higher rates – Do you work in a high-stress field? Careers like fire fighters, police officers, and dentists tend to have higher premium rates attributed to intense work requirements and lots of time spent at work. Conversely, jobs like scientists, athletes and the unemployed get better rates.

Car insurance can be complex

When choosing proper insurance coverage, there really is not a single plan that fits everyone. Your needs are unique to you.

Here are some questions about coverages that may help you determine if your situation might need an agent’s assistance.

• How do I insure my teen driver?
• Can I rent a car in Mexico?
• Are my company tools covered if they get stolen?
• How much will a speeding ticket raise my rates?
• Am I covered when renting a car or should I buy coverage from the car rental agency?
• What is roadside assistance coverage?
• Am I covered when driving a rental car?
• What is the rate difference between pleasure use and commuting?
• Is a new car covered when I drive it off the dealer lot?
• Should I buy more coverage than the required Ohio minimum liability coverage?

If it’s difficult to answer those questions but you know they apply to you, then you may want to think about talking to an insurance agent. If you don’t have a local agent, fill out this quick form.

Auto insurance is available from agents near you

Certain consumers would rather talk to a local agent and that is not a bad decision An additional benefit of comparing rate quotes online is you may find lower car insurance rates and still have an agent to talk to. Supporting local agents is definitely important in Columbus.

To find an agent, once you fill out this simple form, your insurance data is submitted to companies in Columbus that provide free Columbus auto insurance quotes for your insurance coverage. You won’t even need to do any legwork since rate quotes are delivered to you directly. You can find better rates and a licensed agent to work with. If for some reason you want to compare rates from one company in particular, you just need to visit that company’s website and submit a quote form there.

If you are wanting to purchase auto insurance from a local Columbus insurance agency, there are two types of insurance agents that differ in how they can insure your vehicles. Insurance agencies in Columbus may be either exclusive or independent.

Independent Insurance Agents

Agents in the independent channel do not have single company limitations so they have the ability to put coverage through many companies and potentially find a lower price. If they quote lower rates, they simply move your policy to a different company which makes it simple for you. When searching for an agent, it’s recommended you get quotes from a few independent agents for maximum quote selection. A lot of them also have access to smaller mutual companies that may have much lower rates than larger companies.

Shown below is a short list of independent agencies in Columbus that may be able to give you cheap rate quotes.

• Putnam White Lewis Insurance Agency
  4161 N High St – Columbus, OH 43214 – (614) 267-1269 – View Map
• Nationwide Insurance: Robert Darnell Jackson Agency
  2690 E Main St – Columbus, OH 43209 – (614) 235-5413 – View Map
• Associated Insurance Agency – Pickerington
  12927 Stonecreek Dr – Pickerington, OH 43147 – (614) 866-6060 – View Map

More Columbus agents

Exclusive Agents

Agents that choose to be exclusive write business for a single company like Allstate and State Farm. Exclusive agents cannot shop your coverage around so they have no alternatives for high prices. Exclusive insurance agents receive extensive training on sales techniques which helps them sell on service rather than price. Some people will only purchase coverage from exclusives partially due to loyalty to the company instead of buying on price only.

Below is a list of exclusive insurance agencies in Columbus willing to provide price quote information.

• Meghan Humphreys – State Farm Insurance Agent
  3468 N High St a – Columbus, OH 43214 – (614) 754-9855 – View Map
• Bob Zedeker II – State Farm Insurance Agent
  3250 W Henderson Rd Ste 101 – Columbus, OH 43220 – (614) 457-5070 – View Map
• Vic Jimenez – State Farm Insurance Agent
  35 N Wilson Rd – Columbus, OH 43204 – (614) 272-5456 – View Map

More Columbus agents

Deciding on an insurance agency shouldn’t rely on just a cheap quote. Get answers to these questions too.

• How long have they worked with personal auto insurance coverage?
• Are they in the agency full-time?
• What companies can they write with?
• Will vehicle repairs be made with aftermarket parts or OEM replacement parts?
• Can you use your own choice of collision repair facility?
• Which companies do they recommend if they are an independent agency?

Once you have reasonable responses to all your questions in addition to an acceptable price estimate, chances are good that you have found an insurance agency that is professional and can provide auto insurance coverage. But remember, once you purchase a policy you can cancel a policy when you choose so don’t think that you’re stuck with a specific agent for any length of time.

How much can you save?

Some car insurance companies do not offer rates over the internet and many times these small, regional companies only sell coverage through independent agencies. Cheaper car insurance in Columbus can be bought online and with local Columbus insurance agents, so compare prices from both to have the best chance of lowering rates.

People leave their current company for any number of reasons including policy non-renewal, an unsatisfactory settlement offer, being labeled a high risk driver or delays in paying claims. Regardless of your reason, choosing a new company is easier than you think.

When getting Columbus auto insurance quotes online, you should never buy lower coverage limits just to save a few bucks. There are many occasions where someone sacrificed comprehensive coverage or liability limits only to regret they didn’t purchase enough coverage. Your focus should be to purchase a proper amount of coverage at an affordable rate, but do not sacrifice coverage to save money.

Additional detailed information is available in these articles:

• Rental Reimbursement Coverage (Allstate)
• Who Has Affordable Car Insurance Rates for Drivers Over Age 50 in Columbus? (FAQ)
• Who Has Affordable Columbus Auto Insurance for Drivers with Accidents? (FAQ)
• Who Has the Cheapest Car Insurance Rates for Drivers Over Age 70 in Columbus? (FAQ)
• Who Has Cheap Car Insurance Quotes for Drivers Requiring a SR22 in Columbus? (FAQ)
• Auto Theft Statistics (Insurance Information Institute)
• Get the Right Protection (InsureUonline.org)