How many times have you told yourself to find more affordable Mazda Tribute insurance in Seattle? Being forced to pay for pricey insurance premiums can dwindle your funds and maybe even restrict other spending. Doing a rate comparison is recommended to slash your bill and have more diposable income.
Unbelievable but true, 70% of consumers have remained with the same insurance company for well over three years, and just short of a majority have never even compared rates from other companies. With the average premium in Washington being $1,202, drivers could save themselves nearly $400 a year just by shopping around, but they think it’s difficult to go online and compare rates. Insurance companies such as State Farm, Allstate, GEICO and Progressive all claim big savings, bombarding you with ad campaigns and it is difficult to ignore the flashy ads and do the work needed to find the best deal.
It is always a good idea to do price comparisons before your next renewal because rates change quite often. Just because you had the best rate on Mazda Tribute insurance in Seattle a year ago you may be paying too much now. There is a lot of bad information regarding Tribute insurance on the web, but we’re going to give you the easiest ways to quit paying high insurance rates in Seattle.
Most major insurance companies like State Farm and Allstate allow you to get coverage prices direct online. Getting online quotes for Mazda Tribute insurance in Seattle is pretty easy as you simply type in the amount of coverage you want into the quote form. Once entered, the quote system obtains your credit score and driving record and returns pricing information determined by many factors. This simplifies rate comparisons, and it is important to have as many quotes as possible in order to get the best auto insurance rates.
To quickly find out how much you can save on auto insurance, visit the companies below or click here to submit a quote request to multiple companies at once. To compare your current rates, we recommend you input the coverage information just like they are on your policy. This ensures you will get comparison quotes for exact coverage.
The following companies have been selected to offer price comparisons in Seattle, WA. If multiple providers are shown, it’s a good idea that you visit two to three different companies to get the best price comparison.
|Model||Comp||Collision||Liability||Medical||UM/UIM||Annual Premium||Monthly Premium|
|Tribute I Sport 2WD||$212||$518||$326||$20||$98||$1,174||$98|
|Tribute I Sport 4WD||$138||$304||$284||$16||$84||$826||$69|
|Tribute I Touring 2WD||$118||$236||$256||$16||$76||$702||$59|
|Tribute I Grand Touring 2WD||$196||$376||$264||$16||$78||$930||$78|
|Tribute I Touring 4WD||$196||$376||$284||$16||$84||$956||$80|
|Tribute I Grand Touring 4WD||$136||$322||$326||$20||$98||$902||$75|
|Tribute S Grand Touring 2WD||$176||$376||$236||$14||$70||$872||$73|
|Tribute S Grand Touring 4WD||$122||$278||$284||$16||$84||$784||$65|
|Get Your Own Custom Quote Go|
Table data represents single female driver age 50, no speeding tickets, no at-fault accidents, $1,000 deductibles, and Washington minimum liability limits. Discounts applied include claim-free, homeowner, safe-driver, multi-vehicle, and multi-policy. Price information does not factor in specific Seattle garaging location which can decrease or increase rates greatly.
Mazda Tribute liability-only versus full coverage
The example below illustrates the comparison of Mazda Tribute insurance costs with and without physical damage coverage. The costs are based on no violations or accidents, $250 deductibles, single female driver, and no other discounts are factored in.
When to stop buying comprehensive and collision coverage
There is no set rule for dropping full coverage on your policy, but there is a general school of thought. If the annual cost of comprehensive and collision coverage is 10% or more of the vehicle’s replacement cost less your deductible, then it’s probably a good time to buy liability coverage only.
For example, let’s pretend your Mazda Tribute settlement value is $6,000 and you have $1,000 deductibles. If your vehicle is destroyed, you would only receive $5,000 after paying the physical damage deductible. If you are paying over $500 a year for full coverage, then it might be time to consider dropping full coverage.
There are a few cases where only buying liability is not financially feasible. If you haven’t paid off your loan, you must maintain physical damage coverage in order to keep the loan. Also, if your savings is not enough to buy a different vehicle if your current one is totaled, you should not eliminate full coverage.
Protect more than your Tribute
Even though Seattle Tribute insurance rates can get expensive, insurance may not be optional for several reasons.
First, just about all states have compulsory liability insurance requirements which means the state requires a specific minimum amount of liability insurance in order to drive the car. In Washington these limits are 25/50/10 which means you must have $25,000 of bodily injury coverage per person, $50,000 of bodily injury coverage per accident, and $10,000 of property damage coverage.
Second, if you bought your car with a loan, almost every bank will have a requirement that you buy full coverage to guarantee their interest in the vehicle. If you default on your policy, the bank or lender will purchase a policy for your Mazda at an extremely high rate and force you to pay for it.
Third, insurance protects both your Mazda and your assets. It also can pay for many types of medical costs for you, any passengers, and anyone injured in an accident. Liability coverage also covers all legal expenses up to the policy limit if someone files suit against you as the result of an accident. If damage is caused by hail or an accident, comprehensive (other-than-collision) and collision coverage will pay to repair the damage.
The benefits of having insurance are definitely more than the cost, especially for larger claims. According to a recent study, the average American driver is overpaying over $825 a year so it’s very important to do a rate comparison each time the policy renews to be sure current rates are still competitive.
Save $484 a year? Really?
Consumers in Washington can’t get away from all the ads for the lowest price auto insurance from companies such as State Farm and Allstate. All the ads state the claim about savings if you get a free Seattle car insurance quote and switch your coverage to them.
Is it even possible that every company can offer drivers better rates? Here is the trick they use.
Insurance providers have a certain “appetite” for the type of insured that will generate a profit. A good example of a preferred risk could be between 25 and 40, is a homeowner, and drives less than 7,500 miles a year. A customer that meets those criteria will qualify for the lowest premium rates in Seattle and will also save quite a bit of money when switching.
Drivers who don’t measure up to the ideal profile will have to pay more expensive rates and ends up with the customer buying from someone else. The ads state “customers who switch” but not “everyone who gets a quote” can save as much as they claim. That’s the way companies can make claims like that. This really drives home the point why drivers should get Seattle car insurance quotes as often as possible. It’s impossible to know the company that will give you lower rates than your current company.
These discounts can lower Mazda Tribute insurance rates
Insuring your vehicles can cost a lot, but there could be significant discounts to help bring down the price. Certain discounts will be triggered automatically when you get a quote, but occasionally some discounts must be asked for before they will apply.
- Safety Course Discount – Taking part in a driver safety course is a good idea and can lower rates if your company offers it.
- Senior Citizen Rates – Seniors may qualify for a slight reduction on a Seattle car insurance quote.
- Low Miles Discount – Low annual miles may enable drivers to earn substantially lower premium rates.
- Discount for Home Ownership – Simply owning a home may trigger a policy discount on auto insurance since home ownership is proof that your finances are in order.
- Auto/Home Discount – If you combine your homeowners and auto policies and place coverage with the same company you could save approximately 10% to 15%.
- Driver Education Discount – Reduce the cost of insurance for teen drivers by having them successfully take a driver’s education course as it can save substantially.
- Discount for Life Insurance – If the company offers life insurance, you could get better prices if you take out auto and life insurance together.
- Multiple Cars – Having several vehicles with the same company could earn a price break for each car.
- Early Switch Discount – A few insurance companies give discounts for switching policies before your current coverage expires. It could save around 10% when you buy Seattle car insurance online.
- Clubs and Organizations – Being in certain professional organizations is a simple method to lower premiums when shopping for auto insurance.
As a footnote on discounts, most of the big mark downs will not be given to all coverage premiums. Most cut specific coverage prices like liability and collision coverage. If you do the math and it seems like you can get free auto insurance, it just doesn’t work that way.
Insurance companies who might offer some of the discounts shown above include:
When getting free Seattle car insurance quotes, it’s a good idea to each company which discounts can lower your rates. Some of the earlier mentioned discounts might not be available to policyholders in Seattle. If you would like to view providers that offer some of these discounts in Washington, click here to view.
Should I get advice from an insurance agent?
Many drivers just want to talk to a local agent and often times that is recommended Good insurance agents will help you protect your assets and will help you if you have claims. The best thing about comparing rate quotes online is that you can find the best rates and also buy local.
After filling out this form (opens in new window), your information is instantly submitted to companies in Seattle who can give free rate quotes and help you find cheaper coverage. You won’t need to search for any insurance agencies because prices are sent to you instantly. If you want to quote rates from a particular provider, just jump over to their website and fill out their quote form.
Finding the right company requires you to look at more than just a low price. The following questions are important to ask.
- Is there a Errors and Omissions policy in force?
- What is the agency’s Better Business Bureau rating?
- Are claims handled at the agent’s location?
- How are claims handled?
- Are they paid to recommend certain coverages?
- Are they giving you every discount you deserve?
- Are all drivers listed on the coverage quote?
Shown below is a short list of auto insurance companies in Seattle who can help you get price quotes for Mazda Tribute insurance in Seattle.
How much insurance do I need?
When buying proper insurance coverage for your vehicles, there really is no one size fits all plan. Everyone’s situation is unique so your insurance needs to address that.
For instance, these questions could help you determine if your situation would benefit from an agent’s advice.
- What is medical payments coverage?
- Do all my vehicles need collision coverage?
- What is roadside assistance coverage?
- Is there coverage for injuries to my pets?
- I have health insurance so do I need medical payments coverage?
- Am I covered if I drive in a foreign country?
- Do I need replacement cost coverage?
- How does medical payments coverage work?
If you don’t know the answers to these questions, then you may want to think about talking to a licensed agent. To find lower rates from a local agent, complete this form or you can also visit this page to select a carrier It only takes a few minutes and can provide invaluable advice.
Frequent quotes can save
As you go through the steps to switch your coverage, don’t be tempted to buy less coverage just to save a little money. There are too many instances where consumers will sacrifice physical damage coverage to discover at claim time that their decision to reduce coverage ended up costing them more. Your goal is to buy the best coverage you can find for the lowest price but still have enough coverage for asset protection.
Some insurance companies may not offer the ability to get a quote online and most of the time these smaller providers prefer to sell through independent insurance agencies. Budget-friendly insurance in Seattle is available online and with local Seattle insurance agents, so you should be comparing quotes from both in order to have the best price selection to choose from.
In this article, we covered quite a bit of information on how to save on Mazda Tribute insurance in Seattle. The key concept to understand is the more rate quotes you have, the better chance you’ll have of finding cheaper Seattle car insurance quotes. You may even find the biggest savings come from some of the smallest insurance companies. These companies may often insure only within specific states and give better rates than the large multi-state companies such as State Farm, GEICO and Nationwide.
More tips and info about insurance can be read in the articles below:
- Understanding Your Insurance Deductible (Insurance Information Institute)
- Who Has Cheap Car Insurance for Seniors in Seattle? (FAQ)
- How Much are Seattle Car Insurance Rates for State Employees? (FAQ)
- Who Has the Cheapest Seattle Car Insurance for Teenage Females? (FAQ)
- What is Full Coverage? (Allstate)
- Vehicle Insurance in the U.S. (Wikipedia)
- Understanding Car Crashes Video (iihs.org)