Would you like to buy more competitive Mazda Tribute insurance in Boston? When shopping for lower-priced insurance, do you get confused by the sheer number of insurance companies available to you? Many other drivers are as well. There are so many options that it can easily turn into a difficult challenge to find the lowest price for Mazda Tribute insurance in Boston. If you live there, you know that Boston is an awesome place to live, but expensive premiums for insurance can make it very difficult to be able to afford adequate coverage.
It’s an obvious statement that car insurance companies don’t want policyholders to compare prices from other companies. People who compare other prices will most likely switch companies because there is a good chance of finding a more affordable policy premium. A recent study showed that people who regularly compared rates saved approximately $3,500 over four years compared to other drivers who never shopped around for better prices.
If finding low prices for Mazda Tribute insurance in Boston is your ultimate objective, then understanding how to get price quotes and compare insurance premiums can help simplify the process.
Most of the larger companies such as Progressive, GEICO, Allstate and State Farm allow consumers to get prices for coverage online. Comparing Mazda Tribute insurance rates online is pretty painless because you just enter the coverage amounts you desire into a form. When the form is submitted, the quote system obtains information on your driving record and credit history and returns a price.
Being able to quote online for Mazda Tribute insurance in Boston helps simplify price comparisons, and it’s very important to get many rate quotes in order to get the most affordable premium possible.
To find out what other companies charge, consider comparing rates from the companies shown below. If you have a policy now, it’s recommended you input the coverage information identical to your current policy. Doing this assures you will be getting a rate comparison using the same coverage and limits.
The following companies can provide price comparisons in Boston, MA. To get cheap auto insurance in Massachusetts, it’s a good idea that you compare several of them to get the best price comparison.
Best reasons to buy car insurance in Massachusetts
Despite the high insurance cost for a Mazda Tribute in Boston, maintaining insurance is mandatory in Massachusetts but it also protects more than you think.
- The majority of states have minimum liability requirements which means you are required to carry specific limits of liability coverage in order to get the vehicle licensed. In Massachusetts these limits are 20/40/5 which means you must have $20,000 of bodily injury coverage per person, $40,000 of bodily injury coverage per accident, and $5,000 of property damage coverage.
- If you bought your Mazda Tribute with a loan, it’s most likely the lender will stipulate that you have physical damage coverage to ensure the loan is repaid in case of a total loss. If you do not keep the policy in force, the bank will be required to insure your Mazda at a significantly higher premium and require you to fork over a much higher amount than you were paying before.
- Car insurance protects not only your Mazda Tribute but also your financial assets. Insurance will also pay for medical expenses for you, any passengers, and anyone injured in an accident. Liability insurance, one of your policy coverages, also pays expenses related to your legal defense if you are named as a defendant in an auto accident. If your Mazda gets damaged, comprehensive and collision coverage will pay to have it repaired.
The benefits of insuring your Tribute more than cancel out the cost, particularly for liability claims. Unknowingly, the average driver is overpaying more than $810 a year so shop around at every policy renewal to be sure current rates are still competitive.
Coverage information
The rate table shown next outlines different insurance policy prices for Mazda Tribute models. Having a better understanding of how car insurance prices are figured is important to be able to make decisions when shopping around.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Tribute I Sport 2WD | $142 | $298 | $272 | $16 | $82 | $810 | $68 |
| Tribute I Sport 4WD | $142 | $298 | $272 | $16 | $82 | $810 | $68 |
| Tribute I Touring 2WD | $142 | $298 | $272 | $16 | $82 | $810 | $68 |
| Tribute I Grand Touring 2WD | $164 | $298 | $272 | $16 | $82 | $832 | $69 |
| Tribute I Touring 4WD | $164 | $298 | $272 | $16 | $82 | $832 | $69 |
| Tribute I Grand Touring 4WD | $164 | $352 | $272 | $16 | $82 | $886 | $74 |
| Tribute S Grand Touring 2WD | $164 | $352 | $272 | $16 | $82 | $886 | $74 |
| Tribute S Grand Touring 4WD | $164 | $352 | $272 | $16 | $82 | $886 | $74 |
| Get Your Own Custom Quote Go | |||||||
Above prices assume married male driver age 50, no speeding tickets, no at-fault accidents, $500 deductibles, and Massachusetts minimum liability limits. Discounts applied include safe-driver, multi-policy, claim-free, homeowner, and multi-vehicle. Price estimates do not factor in zip code location which can increase or decrease premium rates substantially.
Policy deductible comparison
The hardest decision when buying coverage is how low should you set your deductibles. The rates shown below lay out how much more rates are between high and low physical damage deductibles. The first set of rates uses a $100 deductible and the second data table uses a $500 deductible.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Tribute I Sport 2WD | $250 | $520 | $284 | $16 | $86 | $1,181 | $98 |
| Tribute I Sport 4WD | $250 | $520 | $284 | $16 | $86 | $1,181 | $98 |
| Tribute I Touring 2WD | $250 | $520 | $284 | $16 | $86 | $1,181 | $98 |
| Tribute I Grand Touring 2WD | $288 | $520 | $284 | $16 | $86 | $1,219 | $102 |
| Tribute I Touring 4WD | $288 | $520 | $284 | $16 | $86 | $1,219 | $102 |
| Tribute I Grand Touring 4WD | $288 | $612 | $284 | $16 | $86 | $1,311 | $109 |
| Tribute S Grand Touring 2WD | $288 | $612 | $284 | $16 | $86 | $1,311 | $109 |
| Tribute S Grand Touring 4WD | $288 | $612 | $284 | $16 | $86 | $1,311 | $109 |
| Get Your Own Custom Quote Go | |||||||
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Tribute I Sport 2WD | $182 | $350 | $284 | $16 | $86 | $918 | $77 |
| Tribute I Sport 4WD | $182 | $350 | $284 | $16 | $86 | $918 | $77 |
| Tribute I Touring 2WD | $182 | $350 | $284 | $16 | $86 | $918 | $77 |
| Tribute I Grand Touring 2WD | $210 | $350 | $284 | $16 | $86 | $946 | $79 |
| Tribute I Touring 4WD | $210 | $350 | $284 | $16 | $86 | $946 | $79 |
| Tribute I Grand Touring 4WD | $210 | $414 | $284 | $16 | $86 | $1,010 | $84 |
| Tribute S Grand Touring 2WD | $210 | $414 | $284 | $16 | $86 | $1,010 | $84 |
| Tribute S Grand Touring 4WD | $210 | $414 | $284 | $16 | $86 | $1,010 | $84 |
| Get Your Own Custom Quote Go | |||||||
Data variables include married male driver age 30, no speeding tickets, no at-fault accidents, and Massachusetts minimum liability limits. Discounts applied include safe-driver, multi-vehicle, homeowner, claim-free, and multi-policy. Information does not factor in specific garaging location which can affect price quotes noticeably.
Based on the data above, we can derive that using a $100 deductible will cost you roughly $23 more each month or $276 annually than selecting the higher $500 deductible. Since you would have to pay $400 more out of your own pocket with a $500 deductible as compared to a $100 deductible, if you go more than 17 months between claims, you would save money if you choose the higher deductible.
Calculation for raising deductibles
| Average monthly premium for $100 deductibles: | $103 |
| Average monthly premium for $500 deductibles (subtract): | – $80 |
| Monthly savings from raising deductible: | $23 |
| Difference between deductibles ($500 – $100): | $400 |
| Divide difference by monthly savings: | $400 / $23 |
| Number of months required between physical damage coverage claims in order to save money by choosing the higher deductible | 17 months |
One big caveat is that a higher deductible results in having to pay to pay more out-of-pocket when you have a claim. That will force you to have enough disposable savings in the event you need to pay the higher deductible in order to repair your vehicle.
The chart below illustrates how your deductible choice and can increase or decrease Mazda Tribute insurance prices for different age groups of insureds. The premium estimates are based on a single female driver, full physical damage coverage, and no policy discounts are applied.
Difference between full coverage and liability only rates
The diagram below illustrates the comparison of Mazda Tribute insurance premiums with and without physical damage coverage, medical payments, and uninsured/under-insured motorist coverage. The premium estimates are based on no accidents or driving violations, $100 deductibles, drivers are not married, and no additional discounts are factored in.
Guidelines for eliminating full coverage
There is no exact rule of when to eliminate comp and collision coverage, but there is a general convention. If the yearly cost of comp and collision coverage is more than around 10% of the vehicle’s replacement cost less your deductible, then it might be time to consider dropping full coverage.
For example, let’s assume your Mazda Tribute replacement value is $4,000 and you have $1,000 policy deductibles. If your vehicle is severely damaged, the most your company would pay you is $3,000 after the policy deductible has been paid. If it’s costing in excess of $300 a year for full coverage, then you may need to consider dropping full coverage.
There are a few situations where removing full coverage is not a good idea. If you still owe a portion of the original loan, you have to keep full coverage to protect the lienholder’s interest in the vehicle. Also, if your savings is not enough to buy a different vehicle in the event your current vehicle is totaled, you should not drop full coverage.
Discounts mean cheaper rates for Mazda Tribute insurance in Boston
Car insurance companies do not advertise every discount in an easy-to-find place, so the list below contains some of the more common as well as some of the hidden auto insurance savings.
- Use Seat Belts – Using a seat belt and requiring all passengers to use a seat belt may be able to save a few bucks off the medical payments premium.
- Student Discounts – Excelling in school can get you a discount of up to 25%. You can use this discount normally well after school through age 25.
- Multi-Vehicle Discounts – Drivers who insure primary and secondary vehicles with the same auto insurance company can get a discount for every vehicle.
- Claim Free – Claim-free drivers pay less when compared to frequent claim filers.
- 55 and Retired – If you qualify as a senior citizen, you can possibly qualify for a small discount on rates.
- Discounts for Government Workers – Employees or retirees of the government can save as much as 8% with a few auto insurance companies.
- Cautious Driver Discount – Safe drivers may save up to 50% more than less cautious drivers.
- College Student Discount – Older children who live away from home at college without a vehicle on campus can receive lower rates.
Drivers should understand that most discounts do not apply to your bottom line cost. Some only apply to the cost of specific coverages such as liability and collision coverage. So even though they make it sound like all the discounts add up to a free policy, it just doesn’t work that way. But any discount will bring down the cost of your policy.
The information below shows the difference between Mazda Tribute premium costs with and without policy discounts. The prices are based on a male driver, no tickets, no at-fault accidents, Massachusetts 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-policy, homeowner, claim-free, safe-driver, multi-car, and marriage discounts applied.
Companies and the discounts they provide are detailed below.
- Progressive may offer discounts for multi-policy, homeowner, good student, online signing, and continuous coverage.
- Farmers Insurance discounts include homeowner, bundle discounts, mature driver, multi-car, and business and professional.
- Farm Bureau offers discounts including good student, renewal discount, youthful driver, multi-vehicle, 55 and retired, multi-policy, and driver training.
- State Farm may include discounts for student away at school, defensive driving training, good driver, safe vehicle, anti-theft, Steer Clear safe driver discount, and good student.
- GEICO includes discounts for driver training, federal employee, defensive driver, emergency military deployment, and daytime running lights.
- SAFECO may have discounts that include accident prevention training, anti-theft, drive less, multi-car, and safe driver.
- Liberty Mutual has savings for teen driver discount, new move discount, hybrid vehicle, newly retired, newly married, exclusive group savings, and multi-car.
When getting a coverage quote, ask each insurance company to apply every possible discount. Some credits may not apply to policyholders in your state. To see a list of insurers that offer some of these discounts in Boston, click here to view.
Insurance quotes from local Boston insurance agents
Many people still like to have an agent’s advice and that can be a smart move The biggest benefit of comparing insurance prices online is the fact that drivers can get cheap insurance rates and also buy local.
To make it easy to find an agent, after completing this form (opens in new window), the quote information gets sent to agents in your area that provide free Boston auto insurance quotes for your business. It’s much easier because you don’t need to leave your computer since price quotes are sent to the email address you provide. Get lower rates and a licensed agent to work with. In the event you want to get a comparison quote from a particular provider, you just need to navigate to their website and fill out their quote form.
Finding the right company requires you to look at more than just the price. Here are some questions you might want to ask.
- What are the financial ratings for the companies they represent?
- Are claim adjusters local or do you have to take your car somewhere else?
- Which members of your family are coverage by the policy?
- Do they review policy coverages at every renewal?
- How will an accident affect your rates?
- How many companies do they write for?
Do you need an independent or exclusive auto insurance agent?
If you want to buy insurance from a reliable insurance agent, there are a couple of different agency structures and how they differ in how they quote coverages. Agencies in Boston are classified as either exclusive agents or independent agents.
Exclusive Insurance Agents
Agents that choose to be exclusive can only write with one company such as Allstate, Farmers Insurance or State Farm. They are unable to provide rate quotes from other companies so if the price isn’t competitive there isn’t much they can do. Exclusive agencies are very knowledgeable on sales techniques which can be an advantage. Consumers often use the same agent primarily because of the brand legacy rather than low price.
Listed below is a list of exclusive agents in Boston that can give you rate quotes.
- Allstate Insurance: Abner Joseph
571 Dudley St Ste A – Boston, MA 02125 – (617) 442-9490 – View Map - AAA Boston
125 High St – Boston, MA 02110 – (617) 443-9300 – View Map
Independent Agencies or Brokers
Independent agents can quote rates with many companies so they can quote policies with multiple insurance companies enabling the ability to shop coverage around. If they quote lower rates, they simply move the coverage in-house which requires no work on your part.
If you are comparing rate quotes, we recommend you compare prices from a few independent agents in order to have the best price comparison. Most can insure with smaller mutual companies who may have lower rates.
Listed below are Boston independent insurance agencies who can help you get rate quotes.
- Saratoga Insurance
452 Bennington St – Boston, MA 02128 – (617) 567-1100 – View Map - Massamont Insurance Agency Inc
280 Summer St – Boston, MA 02210 – (617) 478-5205 – View Map - Warren Insurance
764 Blue Hill Avenue – Boston, MA 02124 – (617) 265-1414 – View Map
After talking to the agent and getting reasonable responses to any questions you may have and inexpensive Mazda Tribute insurance in Boston quotes, you may have found a car insurance agent that can properly service your insurance policy.
Auto insurance company ratings
Picking the top insurer can be rather challenging considering how many companies are available to choose from in Boston. The company information displayed below could help you pick which insurers to look at when comparing rates.
Top 10 Boston Car Insurance Companies Overall
- The General
- Mercury Insurance
- Titan Insurance
- The Hartford
- Progressive
- Travelers
- State Farm
- Farmers Insurance
- Safeco Insurance
- USAA
Top 10 Boston Car Insurance Companies Ranked by Value
- The General
- The Hartford
- Farmers Insurance
- Titan Insurance
- Mercury Insurance
- 21st Century
- Safeco Insurance
- AAA Insurance
- State Farm
- Travelers
Get the best coverage at the best price
People leave their current company for a variety of reasons including questionable increases in premium, not issuing a premium refund, being labeled a high risk driver and even an unsatisfactory settlement offer. Whatever your reason, choosing a new insurance company is less work than it seems.
As you prepare to switch companies, it’s not a good idea to buy poor coverage just to save money. There are too many instances where an insured dropped physical damage coverage only to regret that their decision to reduce coverage ended up costing them more. Your goal should be to buy enough coverage at the best price but still have enough coverage for asset protection.
Low-cost Mazda Tribute insurance in Boston can be found from both online companies as well as from insurance agents, so get free Boston auto insurance quotes from both of them to get a complete price analysis. Some insurance companies may not have rate quotes online and many times these regional insurance providers only sell coverage through independent agents.
How to find more affordable Mazda Tribute insurance in Boston
The best way we recommend to find more affordable auto insurance rates is to compare prices regularly from insurance carriers in Boston. Rates can be compared by completing these steps.
- Try to understand how companies price auto insurance and the measures you can take to keep rates down. Many policy risk factors that result in higher prices such as speeding tickets, accidents and poor credit history can be improved by making lifestyle changes or driving safer.
- Get rate quotes from direct carriers, independent agents, and exclusive agents. Direct and exclusive agents can only give rate quotes from one company like Progressive and State Farm, while independent agencies can quote prices from many different companies.
- Compare the quotes to your current policy to see if a cheaper price is available. If you can save money and change companies, make sure there is no lapse between the expiration of your current policy and the new one.
One bit of advice is to make sure you’re comparing the same physical damage deductibles and liability limits on every quote and and to get rates from as many companies as you can. Doing this enables a level playing field and a complete selection of prices.
To read more, link through to the following helpful articles:
- Bodily Injury Coverage (Liberty Mutual)
- Who Has the Cheapest Boston Auto Insurance Quotes for a Subaru Outback? (FAQ)
- Who Has the Cheapest Car Insurance Quotes for Seniors in Boston? (FAQ)
- How Much are Auto Insurance Rates for a Toyota Corolla in Boston? (FAQ)
- Who Has Affordable Boston Car Insurance for Drivers with Good Credit? (FAQ)
- Who Has the Cheapest Car Insurance Quotes with Multiple Speeding Tickets in Boston? (FAQ)
- Who Has the Cheapest Auto Insurance for a Ford Explorer in Boston? (FAQ)
- Vehicle Size and Weight FAQ (iihs.org)
- How Does Hitting a Deer Impact Insurance Rates? (Allstate)
- Five Steps to Filing an Auto Insurance Claim (Insurance Information Institute)
- Safety Tips for Teen Drivers (Insurance Information Institute)