How long has it been since you shopped around for low-cost Mazda Tribute insurance in Oakland? Buying lower-cost Oakland Mazda Tribute insurance quotes can seem to be somewhat intimidating for consumers new to online price comparisons. With literally dozens of companies competing online, how can anyone efficiently compare each option to find the lowest rates?
Amazingly, the majority of drivers have stayed with the same insurance company for a minimum of four years, and nearly 40% of drivers have never shopped around. U.S. drivers can cut their rates by almost $850 a year, but they underestimate the big savings they would realize if they switch to a new company.
The best way to compare rate quotes for Mazda Tribute insurance in Oakland is to know the fact all the major auto insurance companies pay for the opportunity to provide you with a free rate quote. To begin a comparison, all you need to do is spend a couple of minutes providing details including the make and model of your vehicles, your occupation, distance driven, and how much coverage you want. Your details gets sent immediately to multiple car insurance providers and you will receive price estimates almost instantly.
To compare rates for your Mazda Tribute now, click here and find out if you can get cheaper insurance in Oakland.
The auto insurance companies shown below are our best choices to provide free rate quotes in Oakland, CA. In order to find cheap auto insurance in Oakland, we suggest you visit two to three different companies to get the best price comparison.
Get cheap rates by taking advantage of discounts
Auto insurance companies don’t always list every discount they offer in a way that’s easy to find, so the following list contains a few of the more well known as well as the least known credits that may apply to you.
- One Accident Forgiven – Not really a discount, but a handful of insurance companies may permit one accident before your rates go up if you have no claims for a set time period.
- Discount for Life Insurance – If the company offers life insurance, you could get a discounted auto insurance rate on car insurance if you buy life insurance.
- Good Grades Discount – This discount can get you a discount of up to 25%. You can use this discount normally until age 25.
- Discounts for Seat Belt Usage – Drivers who always wear seat belts and also require passengers to use a seat belt can save up to 15% off the personal injury premium cost.
- Telematics Devices – Drivers who elect to allow their insurance company to look at driving patterns remotely such as Progressive’s Snapshot and State Farm’s In-Drive may see discounts as long as the data is positive.
- Driver Education Discount – Teen drivers should enroll in driver’s education if offered at their school.
- Low Mileage Discounts – Keeping the miles down on your Mazda may enable drivers to earn cheaper auto insurance rates.
- Early Signing – Some auto insurance companies reward drivers for switching to them prior to your current Tribute insurance policy expiring. It can save you around 10%.
- Military Rewards – Being deployed with a military unit may lower your auto insurance rates slightly.
It’s important to note that most discount credits are not given to the overall cost of the policy. A few only apply to the cost of specific coverages such as comprehensive or collision. So even though you would think all the discounts add up to a free policy, you won’t be that lucky.
The information below illustrates the comparison of Mazda Tribute insurance costs with and without discounts applied. The data assumes a female driver, no claims or driving violations, California state minimum liability limits, full coverage, and $100 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with claim-free, marriage, multi-car, homeowner, multi-policy, and safe-driver discounts applied.
For a list of insurers that offer the discounts shown above in California, click this link.
Insurance data for a Mazda Tribute
The coverage table below outlines different insurance costs for Mazda Tribute models. Learning as much as possible about how insurance policy rates are figured can assist in making informed coverage decisions.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Tribute I Sport 2WD | $268 | $570 | $508 | $30 | $152 | $1,528 | $127 |
| Tribute I Sport 4WD | $268 | $570 | $508 | $30 | $152 | $1,528 | $127 |
| Tribute I Touring 2WD | $268 | $570 | $508 | $30 | $152 | $1,528 | $127 |
| Tribute I Grand Touring 2WD | $308 | $570 | $508 | $30 | $152 | $1,568 | $131 |
| Tribute I Touring 4WD | $308 | $570 | $508 | $30 | $152 | $1,568 | $131 |
| Tribute I Grand Touring 4WD | $308 | $672 | $508 | $30 | $152 | $1,670 | $139 |
| Tribute S Grand Touring 2WD | $308 | $672 | $508 | $30 | $152 | $1,670 | $139 |
| Tribute S Grand Touring 4WD | $308 | $672 | $508 | $30 | $152 | $1,670 | $139 |
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Table data represents single female driver age 30, no speeding tickets, no at-fault accidents, $500 deductibles, and California minimum liability limits. Discounts applied include multi-vehicle, claim-free, safe-driver, homeowner, and multi-policy. Price information does not factor in vehicle garaging location which can alter auto insurance rates significantly.
Safe drivers Oakland pay cheaper rates
The information below demonstrates how traffic citations and at-fault collisions drive up Mazda Tribute insurance costs for different ages of insureds. The premiums are based on a married female driver, full coverage, $500 deductibles, and no policy discounts are applied.
How much more does full coverage cost in Oakland?
The information below visualizes the comparison of Mazda Tribute auto insurance costs with liability coverage only compared to full coverage. The data assumes no tickets, no at-fault accidents, $100 deductibles, marital status is single, and no additional discounts are factored in.
Are you wasting money paying for full coverage?
There is no definitive formula that is best for determining when to drop full coverage, but there is a guideline you can use. If the annual cost of comprehensive and collision coverage is more than 10% of the replacement cost of your vehicle minus the policy deductible, then you may want to consider only buying liability coverage.
For example, let’s pretend your Mazda Tribute book value is $7,000 and you have $1,000 physical damage deductibles. If your vehicle is damaged in an accident, the most your company will settle for is $6,000 after paying your deductible. If premium cost is more than $600 a year for physical damage coverage, then it might be time to consider dropping full coverage.
There are some circumstances where buying only liability insurance is not a good idea. If you have an outstanding loan on your vehicle, you have to keep full coverage in order to prevent your loan from defaulting. Also, if you can’t afford to buy a different vehicle in the even your car is totaled, you should keep full coverage on your policy.
Local Oakland car insurance agents and car insurance
A lot of people would rather get advice from a local agent and that can be a smart move The biggest benefit of comparing rates online is you can get lower rates and still have an agent to talk to. Buying insurance from neighborhood insurance agencies is especially important in Oakland.
Once you complete this quick form, your insurance coverage information is transmitted to companies in Oakland that can give you free Oakland car insurance quotes and help you find cheaper coverage. You won’t even need to leave your computer due to the fact that quote results will go to your email. You can find lower rates AND an agent nearby. If you want to get a comparison quote for a specific company, feel free to visit that company’s website and complete a quote there.
Car insurance agents in Oakland come in two varieties
If you need to find a reliable insurance agency, it helps to know the two different agency structures and how they differ in how they quote coverages. Car insurance policy providers are categorized either independent agents or exclusive agents.
Independent Agents (or Brokers)
Agents that choose to be independent do not write with just one company so they can quote policies through many companies and find the cheapest car insurance rates. If premiums increase, an independent agent can move your coverage and you don’t have to switch agencies.
When comparing car insurance prices, we recommend you get insurance quotes from independent agents to have the most options to choose from. Many write coverage with companies you’ve never heard of which may have better rates.
Featured below are independent insurance agents in Oakland that may be able to give free car insurance rate quotes.
- David E. Quan Agency Insurance Brokers, Inc.
523 47th St – Oakland, CA 94609 – (510) 653-8880 – View Map - Susan Bernosky – Strahan Ins Services Inc
5940 College Ave a – Oakland, CA 94618 – (510) 450-9051 – View Map - Links Insurance Services
1155 3rd St # 220 – Oakland, CA 94607 – (925) 361-5185 – View Map
Exclusive Car Insurance Agencies
These type of agents are contracted to one company and some examples include State Farm, AAA, and Liberty Mutual. Exclusive agents cannot place coverage with different providers so if the price isn’t competitive there isn’t much they can do. Exclusive agents receive a lot of sales training on their company’s products which helps offset the inability to provide other markets. Consumers often purchase coverage from exclusives primarily because of the brand legacy instead of buying on price only.
The following are exclusive insurance agents in Oakland that can give you rate quotes.
- Fernando Valenzuela – State Farm Insurance
1236 30th Ave – Oakland, CA 94601 – (510) 533-9712 – View Map - Judy Chambers – State Farm Insurance Agent
1305 Franklin St #400 – Oakland, CA 94612 – (510) 832-2195 – View Map - Joe Trapasso – State Farm Insurance Agent
1901 Harrison St Ste 100 – Oakland, CA 94612 – (510) 808-7120 – View Map
Finding the right insurance agent requires more thought than just a cheap quote. Any agent in Oakland should be forthright in answering these questions:
- Is coverage determined by price?
- Is the agent CPCU or CIC certified?
- Will they make sure you get an adequate claim settlement?
- Does the company allow you to choose your own collision repair facility?
- Can you contact them at any time?
- If they are an independent agency in Oakland, which companies do they recommend?
After getting acceptable answers to any questions you have and the cheapest Mazda Tribute insurance in Oakland quotes, chances are good that you have found an insurance agent that is reliable enough to adequately provide car insurance. Just keep in mind you are able to cancel your coverage at any point so don’t assume that you’re stuck with any specific company with no way to switch.
What insurance coverages do I need?
Always remember that when buying insurance from an agent or online, there is no “best” method to buy coverage. Coverage needs to be tailored to your specific needs.
For instance, these questions could help you determine if your insurance needs will benefit from professional help.
- Do I really need UM/UIM coverage?
- What does medical payments coverage do?
- What does roadside assistance cover?
- Do I need PIP (personal injury protection) coverage in California?
- Which companies will insure high-risk drivers?
- Which is better, split liability limits or combined limits?
- Is other people’s property covered if stolen from my vehicle?
- I have health insurance so do I need medical payments coverage?
If you’re not sure about those questions but you think they might apply to your situation, then you may want to think about talking to an agent. If you don’t have a local agent, simply complete this short form.
Choices You Make Can Impact Your Insurance Prices
Many factors are used when pricing auto insurance. Some are obvious like an MVR report, but other factors are not as apparent like your continuous coverage or how financially stable you are. The best way to find cheaper car insurance is to take a look at the rating factors that play a part in calculating the level of your policy premiums. If you know what influences your rates, this empowers consumers to make smart changes that will entitle you to lower premium levels.
The items below are just a few of the factors car insurance companies consider when setting your rates.
Prices may be higher where you live – Living in less populated areas of the country has definite advantages when insuring your vehicles. People who live in big cities have more auto accidents and longer commute times. Less people means less chance of accidents in addition to lower liability claims.
Less chance of injury means lower rates – Safe vehicles tend to have better insurance rates. Highly rated vehicles help reduce the chance of injuries in an accident and fewer serious injuries translates into fewer and smaller insurance claims and thus lower rates. If your Mazda is rated at a minimum four stars on Safercar.gov it may be receiving lower rates.
Pay more out-of-pocket – Comp and collision deductibles are the amount of money you are required to pay if a claim is determined to be covered. Coverage for physical damage, also called comprehensive and collision insurance, is used to repair damage to your car. Examples of some claims that would be covered would be collision with another vehicle, damage from fire, or theft of your vehicle. The more of the claim the insured is willing to pay, the less your car insurance will be.
An active car insurance claims history can cost more – If you are the type of insured that files lots of claims you should expect either policy cancellation or increased premiums. Companies in California provide the lowest premiums to insureds who only file infrequent claims. Your insurance policy is intended for claims that pose a financial burden.
Pleasure use or commuting – The more you drive your Mazda in a year’s time the more you will pay for car insurance. Most insurance companies charge to insure your cars partially by how you use the vehicle. Autos that do not get driven very much get more affordable rates than cars that get driven a lot. Double check that your car insurance coverage is showing the correct usage, because improper ratings can cost you money. An improperly rated Tribute may be wasting your money.
Male premiums may be higher – Over the last 50 years, statistics have shown women tend to be less risk to insure than men. However, don’t assume that females are better drivers. They both get in fender benders at about the same rate, but the men get into accidents with more damage. Men also tend to have more aggressive citations like DUI and reckless driving.
The information below compares Mazda Tribute insurance costs for male and female drivers. The price estimates are based on no claims or violations, full physical damage coverage, $1,000 deductibles, single status, and no discounts are applied.
Bad credit will cost you – Having a bad credit history can be a huge factor in determining your rates. Consumers who have high credit ratings tend to be less risk to insure as compared to drivers with lower ratings. Therefore, if your credit history is lower than you’d like, you could save money insuring your Mazda Tribute by taking the time to improve your credit score.
Buying the right vehicle insurance in California is an important decision
Even though it’s not necessarily cheap to insure a Mazda in Oakland, insurance is a good idea for several reasons.
- The majority of states have minimum mandated liability insurance limits which means you are required to carry a specific minimum amount of liability coverage if you don’t want to risk a ticket. In California these limits are 15/30/5 which means you must have $15,000 of bodily injury coverage per person, $30,000 of bodily injury coverage per accident, and $5,000 of property damage coverage.
- If you bought your Mazda with a loan, more than likely the lender will have a requirement that you have comprehensive coverage to guarantee loan repayment. If the policy lapses, the bank may insure your Mazda at a significantly higher premium and make you pay a much higher amount than you were paying before.
- Insurance safeguards both your Mazda Tribute and your assets. It will also cover hospital and medical expenses for both you and anyone you injure as the result of an accident. As part of your policy, liability insurance will also pay to defend you if you are named as a defendant in an auto accident. If you have damage to your Mazda as the result of the weather or an accident, comprehensive (other-than-collision) and collision coverage will pay to repair the damage.
The benefits of having insurance are without a doubt worth the cost, especially for larger claims. Today the average American driver overpays more than $700 annually so compare rate quotes at every renewal to make sure the price is not too high.
Quote more and you will save more
Insureds who switch companies do it for a variety of reasons including questionable increases in premium, poor customer service, delays in responding to claim requests or policy non-renewal. No matter why you want to switch, switching companies is pretty simple and you could end up saving a buck or two.
Some insurance companies may not provide online rate quotes and most of the time these smaller companies provide coverage only through local independent agencies. Affordable Mazda Tribute insurance in Oakland can be purchased on the web as well as from insurance agents, and you need to comparison shop both to get a complete price analysis.
We just presented many ideas to find lower-cost Mazda Tribute insurance in Oakland. The most important thing to understand is the more you quote Oakland car insurance, the better likelihood of getting affordable Mazda Tribute insurance quotes. Consumers could even find that the best price on car insurance is with some of the smallest insurance companies.
How to find lower priced Mazda Tribute insurance in Oakland
If you want to save money, the best way to get affordable auto insurance rates in Oakland is to begin comparing prices regularly from companies in California. You can compare rates by following these steps.
Step 1: Take a few minutes and learn about coverages and the changes you can make to keep rates down. Many rating factors that are responsible for high rates like traffic tickets, fender benders, and a less-than-favorable credit score can be controlled by making minor changes to your lifestyle.
Step 2: Obtain price quotes from direct carriers, independent agents, and exclusive agents. Direct and exclusive agents can provide rates from one company like Progressive and State Farm, while independent agencies can quote rates from many different companies.
Step 3: Compare the new rates to the price on your current policy and see if there is a cheaper rate. If you find a better price, ensure coverage does not lapse between policies.
Step 4: Give notification to your current company of your decision to cancel the current policy and submit any necessary down payment along with the completed application to the new company. Once received, put the certificate verifying coverage in an easily accessible location.
One thing to point out is that you’ll want to compare identical deductibles and limits on each quote and and to get rate quotes from as many auto insurance providers as possible. Doing this provides a level playing field and the best price selection.
Additional information is available below:
- Crash Avoidance Technologies FAQ (iihs.org)
- Who Has the Cheapest Oakland Car Insurance Rates for Retired Military? (FAQ)
- Who Has Affordable Auto Insurance Rates for Government Employees in Oakland? (FAQ)
- Who Has Affordable Oakland Car Insurance Rates for Uber Drivers? (FAQ)
- Credit and Insurance Scores (Insurance Information Institute)
- Air Bags: Potential Dangers to Your Children (Insurance Information Institute)