Want a free price quotes on low-cost auto insurance rates in San Jose, CA? San Jose drivers have many options when trying to find affordable Mazda Tribute insurance. You can either spend your time driving around getting price quotes or utilize the internet to get rate quotes. There are both good and bad ways to compare auto insurance rates and you need to know the absolute fastest way to quote coverages for a Mazda and obtain the lowest possible price either online or from San Jose insurance agents.
Buying the cheapest insurance in San Jose can be made easier if you know where to look. If you have a current insurance policy, you stand a good chance to be able to save money using the concepts you’re about to learn. Consumers only need an understanding of the quickest way to shop for insurance over the internet.
Get cheaper rates on Mazda Tribute insurance in San Jose with these insurance discounts
Insurance is easily one of your largest bills, but you might find some hidden discounts to cut the cost considerably. Some discounts apply automatically when you quote, but some may not be applied and must be specifically requested prior to receiving the credit.
- Student Driver Training – Require your teen driver to successfully complete driver’s ed class as it can save substantially.
- Discounts for Seat Belt Usage – Requiring all passengers to buckle up can save up to 15% on the medical payments or PIP coverage costs.
- ABS Braking Discount – Vehicles with anti-lock braking systems prevent accidents and therefore earn up to a 10% discount.
- Accident Waiver – Not really a discount, but certain companies may permit one accident before they charge you more for coverage with the catch being you have to be claim-free before the accident.
- Passenger Safety Discount – Factory options such as air bags and/or automatic seat belt systems may earn rate discounts of 20 to 30 percent.
- Buy New and Save – Adding a new car to your policy can cost up to 25% less because new vehicles keep occupants safer.
- Good Student – Excelling in school can earn a discount of 20% or more. The discount lasts until age 25.
Please keep in mind that many deductions do not apply to the entire policy premium. Some only reduce individual premiums such as liability and collision coverage. Just because it seems like it’s possible to get free car insurance, insurance companies aren’t that generous.
The chart below compares Mazda Tribute car insurance rates with and without discounts being applied to the rates. The costs are based on a male driver, a clean driving record, no claims, California state minimum liability limits, comp and collision included, and $500 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with claim-free, safe-driver, multi-policy, marriage, multi-car, and homeowner discounts applied.
If you would like to choose from a list of providers that provide some of the discounts listed above in San Jose, click this link.
The companies shown below offer quotes in California. If more than one company is shown, we recommend you get prices from several of them to find the most affordable car insurance rates.
Mazda Tribute insurance coverage information
The coverage table below showcases detailed analysis of policy rates for Mazda Tribute models. Having a better idea how car insurance premiums are calculated can help customers make smart buying decisions.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Tribute I Sport 2WD | $184 | $362 | $376 | $22 | $112 | $1,056 | $88 |
| Tribute I Sport 4WD | $184 | $362 | $376 | $22 | $112 | $1,056 | $88 |
| Tribute I Touring 2WD | $184 | $362 | $376 | $22 | $112 | $1,056 | $88 |
| Tribute I Grand Touring 2WD | $210 | $362 | $376 | $22 | $112 | $1,082 | $90 |
| Tribute I Touring 4WD | $210 | $362 | $376 | $22 | $112 | $1,082 | $90 |
| Tribute I Grand Touring 4WD | $210 | $426 | $376 | $22 | $112 | $1,146 | $96 |
| Tribute S Grand Touring 2WD | $210 | $426 | $376 | $22 | $112 | $1,146 | $96 |
| Tribute S Grand Touring 4WD | $210 | $426 | $376 | $22 | $112 | $1,146 | $96 |
| Get Your Own Custom Quote Go | |||||||
Data based on married male driver age 30, no speeding tickets, no at-fault accidents, $1000 deductibles, and California minimum liability limits. Discounts applied include safe-driver, multi-vehicle, multi-policy, claim-free, and homeowner. Rate quotes do not factor in vehicle location which can raise or lower prices substantially.
Raise deductibles and save
The hardest decision when buying coverage is how low should you set your deductibles. The comparison tables below sum up the difference in cost when you buy lower versus higher physical damage deductibles. The first rate estimation uses a $250 deductible for comprehensive and collision coverage and the second price table uses a $500 deductible.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Tribute I Sport 2WD | $298 | $576 | $376 | $22 | $112 | $1,409 | $117 |
| Tribute I Sport 4WD | $298 | $576 | $376 | $22 | $112 | $1,409 | $117 |
| Tribute I Touring 2WD | $298 | $576 | $376 | $22 | $112 | $1,409 | $117 |
| Tribute I Grand Touring 2WD | $342 | $576 | $376 | $22 | $112 | $1,453 | $121 |
| Tribute I Touring 4WD | $342 | $576 | $376 | $22 | $112 | $1,453 | $121 |
| Tribute I Grand Touring 4WD | $342 | $678 | $376 | $22 | $112 | $1,555 | $130 |
| Tribute S Grand Touring 2WD | $342 | $678 | $376 | $22 | $112 | $1,555 | $130 |
| Tribute S Grand Touring 4WD | $342 | $678 | $376 | $22 | $112 | $1,555 | $130 |
| Get Your Own Custom Quote Go | |||||||
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Tribute I Sport 2WD | $242 | $464 | $376 | $22 | $112 | $1,216 | $101 |
| Tribute I Sport 4WD | $242 | $464 | $376 | $22 | $112 | $1,216 | $101 |
| Tribute I Touring 2WD | $242 | $464 | $376 | $22 | $112 | $1,216 | $101 |
| Tribute I Grand Touring 2WD | $278 | $464 | $376 | $22 | $112 | $1,252 | $104 |
| Tribute I Touring 4WD | $278 | $464 | $376 | $22 | $112 | $1,252 | $104 |
| Tribute I Grand Touring 4WD | $278 | $546 | $376 | $22 | $112 | $1,334 | $111 |
| Tribute S Grand Touring 2WD | $278 | $546 | $376 | $22 | $112 | $1,334 | $111 |
| Tribute S Grand Touring 4WD | $278 | $546 | $376 | $22 | $112 | $1,334 | $111 |
| Get Your Own Custom Quote Go | |||||||
Prices above based on married male driver age 30, no speeding tickets, no at-fault accidents, and California minimum liability limits. Discounts applied include homeowner, multi-policy, multi-vehicle, safe-driver, and claim-free. Rates do not factor in specific San Jose garaging location which can decrease or increase rates substantially.
Using the data above, we can ascertain that using a $250 deductible will cost you approximately $17 more each month or $204 every year across all Mazda Tribute models than opting for the higher $500 deductible. Since you would pay $250 more out-of-pocket with a $500 deductible as compared to a $250 deductible, if you have at least 15 months between claims, you would save money if you decide on a higher deductible.
How to calculate if a higher deductible is a good decision
| Average monthly premium for $250 deductibles: | $123 |
| Average monthly premium for $500 deductibles (subtract): | – $106 |
| Monthly savings from raising deductible: | $17 |
| Difference between deductibles ($500 – $250): | $250 |
| Divide difference by monthly savings: | $250 / $17 |
| Number of months required between physical damage coverage claims in order to save money by choosing the higher deductible | 15 months |
The information below illustrates how your deductible choice and can raise or lower Mazda Tribute insurance premiums for each different age category. The rates are based on a single male driver, comp and collision included, and no additional discounts are factored in.
Mazda Tribute insurance premiums by gender and age
The example below compares Mazda Tribute auto insurance rates for male and female drivers. The data assumes no driving violations, no at-fault accidents, full coverage, $100 deductibles, marital status is single, and no discounts are taken into consideration.
Difference between liability only and full coverage rates
The chart below illustrates the comparison of Mazda Tribute insurance prices with full physical damage coverage compared to only buying liability only. The costs are based on no driving violations, no at-fault accidents, $100 deductibles, drivers are not married, and no discounts are applied.
When to stop buying full coverage
There is no exact formula that works best for making the decision to drop physical damage insurance, but there is a guideline you can consider. If the yearly cost for physical damage coverage is more than around 10% of the replacement cost of your vehicle minus the policy deductible, then you might want to consider buying only liability coverage.
For example, let’s say your Mazda Tribute replacement cost is $4,000 and you have $1,000 policy deductibles. If your vehicle is severely damaged, the most your company will settle for is $3,000 after you pay the deductible. If it’s costing you more than $300 a year for comprehensive and collision coverage, then it may be the right time to buy liability only.
There are some circumstances where buying only liability insurance is not a good idea. If you still owe money on your vehicle, you have to maintain full coverage as part of the loan conditions. Also, if you don’t have enough money to buy a different vehicle if your current one is damaged, you should not remove full coverage.
How to Lower Your Insurance Premiums
When buying auto insurance it’s important to understand the factors that come into play when calculating your policy premiums. If you have a feel for what positively or negatively impacts your premiums, this enables you to make decisions that may reward you with lower rates.
- If you don’t need it don’t buy it – Insurance companies have many add-on coverages that can waste your money but may not be useful. Coverage for things like rental car reimbursement, high-cost glass coverage, and membership fees could be just wasting money. You may think they are a good idea at first, but if they’re wasting money remove them and pocket the money.
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High premiums for teen drivers – More experienced drivers are more cautious drivers, statistically cause fewer accidents, and receive fewer citations. Teen drivers are statistically shown to be careless and easily distracted with other occupants in the car and because of this, their auto insurance rates are much higher.
The data below is based on a single driver, full coverage with $1000 deductibles, and no discounts or violations.
- Your address can affect premiums – Having an address in areas with lower population has it’s advantages when shopping for auto insurance. Residents of big cities regularly have more aggressive driving styles and higher rates of accident claims. Less people translates into fewer accidents and also fewer theft and vandalism claims.
- Higher premiums for demanding vocations – Occupational choices like military personnel, business owners, and accountants are shown to have higher premiums than the average policyholder due to high stress and lots of time spent away from family. On the flip side, careers like professors, students and homemakers pay lower than average rates.
What if I want to buy from local San Jose insurance agents?
Some people still like to get professional advice from a licensed agent and often times that is recommended Professional insurance agents can help you choose the best coverages and help submit paperwork. An additional benefit of comparing insurance prices online is that drivers can save money and get the best rates but also keep your business local.
To help locate an agent, after submitting this form (opens in new window), your insurance coverage information is transmitted to companies in San Jose who want to provide quotes for your coverage. It’s much easier because you don’t need to contact any insurance agencies because quoted prices will be sent to you. If for some reason you want to compare rates from a particular provider, you would need to visit that company’s website and give them your coverage information.
Picking a insurer should depend on more than just the bottom line cost. These are some questions you should get answers to.
- Is the coverage adequate for your vehicle?
- Do you have coverage for a rental car if your vehicle is in the repair shop?
- Do they have adequate Errors and Omissions coverage? This protects you if they make a mistake.
- How often do they review coverages?
- Do the agents have professional certifications like CPCU or CIC?
- Are you getting all the discounts the company offers?
- Which insurance companies are they affiliated with?
- Are they actively involved in the community?
If you want to use a reliable agent, there are two different agency structures and how they differ in how they can insure your vehicles. Car insurance policy providers can be described as either exclusive or independent agents depending on their company appointments. Both types can sell and service car insurance coverage, but it is a good idea to know the difference in the companies they write for because it can factor into which agent you choose.
Exclusive Insurance Agents
These agents can only write with one company like State Farm or Allstate. These agents are not able to provide prices from multiple companies so if the price isn’t competitive there isn’t much they can do. Exclusive insurance agents are usually quite knowledgeable on their company’s products and that can be a competitive advantage. Consumers frequently buy from exclusive agents mostly because of loyalty to the company and the convenience of having a single billing for all their coverages.
Shown below are exclusive agencies in San Jose who can help you get price quotes.
- Allstate Insurance: Valentine Deleon
1425 Foxworthy Ave b – San Jose, CA 95118 – (408) 266-8500 – View Map - Beatriz Quezada – State Farm Insurance Agent
441 N 1st St – San Jose, CA 95112 – (408) 295-7000 – View Map - John Hong – State Farm Insurance Agent
1777 Saratoga Ave #100 – San Jose, CA 95129 – (408) 777-8700 – View Map
Independent Agencies or Brokers
Independent agents are normally appointed by many insurers so as a result can place your coverage through many different car insurance companies and find the cheapest car insurance rates. If your agent finds better pricing, they simply move the coverage in-house and you don’t have to find a new agent.
When searching for an agent, we highly recommend that you get quotes from a few independent agents to get the most accurate price comparison. A lot of them also have access to different regional companies that can offer cheaper rates than bigger companies.
Below is a list of independent insurance agencies in San Jose that are able to give price quote information.
- All Coverage Insurance Agency
3033 Moorpark Ave #27 – San Jose, CA 95128 – (408) 244-9100 – View Map - LNA Insurance Agency Inc
999 Story Rd – San Jose, CA 95122 – (408) 280-5815 – View Map - Mission Counties Insurance Agency
1777 Hamilton Ave – San Jose, CA 95125 – (408) 979-8160 – View Map
If you receive positive feedback to all your questions as well as offering an affordable quote, you have narrowed it down to an auto insurance agent that is reputable and can service your policy.
Car insurance does more than just protect your car
Even though San Jose Tribute insurance rates can get expensive, insurance serves an important purpose.
First, just about all states have mandatory insurance requirements which means it is punishable by state law to not carry specific minimum amounts of liability protection in order to get the vehicle licensed. 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.
Second, if you have a lien on your car, almost every bank will make it a condition of the loan that you carry insurance to ensure loan repayment if the vehicle is totaled. If you do not keep the policy in force, the bank will be required to insure your Mazda at an extremely high rate and require you to fork over much more than you were paying before.
Third, car insurance protects both your vehicle and your assets. Insurance will also pay for medical bills incurred in an accident. Liability insurance, one of your policy coverages, also covers all legal expenses up to the policy limit if anyone sues you for causing an accident. If you receive damage to your vehicle caused by a storm or accident, comprehensive (other-than-collision) and collision coverage will pay to have it repaired.
The benefits of carrying adequate insurance more than cancel out the cost, specifically if you ever have a liability claim. According to a recent study, the average American driver overpays more than $850 per year so you should quote and compare rates at every policy renewal to be sure current rates are still competitive.
Compare but don’t skimp
A few companies may not provide internet price quotes and many times these regional insurance providers only sell coverage through independent agents. Cost effective Mazda Tribute insurance is attainable from both online companies and from local insurance agents, so you should compare both to have the best rate selection.
In this article, we presented some good ideas how to get a better price on Mazda Tribute insurance in San Jose. The key thing to remember is the more you quote San Jose auto insurance, the better your comparison will be. Drivers may even discover the lowest premium rates come from the smaller companies.
When you buy San Jose auto insurance online, make sure you don’t reduce needed coverages to save money. There are a lot of situations where an insured dropped comprehensive coverage or liability limits and found out when filing a claim they didn’t purchase enough coverage. Your objective should be to buy the best coverage you can find at a price you can afford but still have enough coverage for asset protection.
How to save money on Mazda Tribute insurance in San Jose
If your goal is the lowest price, then the best way to find cheaper prices for auto insurance rates in San Jose is to compare prices once a year from insurance carriers in California. Prices can be compared by completing these steps.
First, read and learn about car insurance and the measures you can take to keep rates down. Many policy risk factors that drive up the price like distracted driving and poor credit can be rectified by being financially responsible and driving safely.
Second, obtain price quotes from direct, independent, and exclusive agents. Direct and exclusive agents can only give prices from a single company like Progressive or Allstate, while independent agencies can provide rate quotes for a wide range of companies. View rates
Third, compare the new rates to your existing coverage and see if you can save money. If you find better rates and decide to switch, make sure there is no coverage gap between policies.
Fourth, give proper notification to your current agent or company to cancel your existing policy and submit a down payment and signed policy application to your new company or agent. As soon as you receive it, place the new proof of insurance certificate in a readily accessible location in your vehicle.
A valuable tip to remember is to use the same liability limits and deductibles on every price quote and and to compare as many companies as you can. Doing this provides an apples-to-apples comparison and many rates to choose from.
To read more, feel free to visit these articles:
- New Honda safety features benefit drivers of all ages (Insurance Institute for Highway Safety)
- Who Has the Cheapest San Jose Auto Insurance for a Toyota RAV4? (FAQ)
- Who Has Cheap Auto Insurance Rates for Low Mileage Drivers in San Jose? (FAQ)
- How Much is Auto Insurance for a Company Car in San Jose? (FAQ)
- Who Has Affordable Car Insurance Quotes for a Hyundai Sonata in San Jose? (FAQ)
- Teen Driving and Texting (State Farm)
- Avoiding Deer Collisions (Insurance Information Institute)
- Five Tips to Save on Auto Insurance (Insurance Information Institute)