How to Compare Virginia Beach Mazda Tribute Insurance

Amazingly, a recent NerdWallet.com study showed that a large majority of drivers have been with the same company for over three years, and roughly 40% of drivers have never compared auto insurance rates at all. Virginia drivers could save an average of about $500 each year by just shopping around, but they just don’t understand the rate savings if they moved their coverage to a different company.

It takes a few minutes, but the best way to quote cheaper Mazda Tribute insurance in Virginia Beach is to regularly compare price quotes from different companies in Virginia.

First, read and learn about how your policy works and the things you can control to keep rates in check. Many things that cause rate increases such as accidents, careless driving, and a lousy credit rating can be controlled by making minor changes in your lifestyle.

Second, quote rates from direct, independent, and exclusive agents. Direct and exclusive agents can provide rates from a single company like GEICO or State Farm, while independent agencies can quote rates for many different companies. View prices

Third, compare the quotes to your existing coverage to see if a cheaper rate is available. If you find a lower rate quote and change companies, ensure coverage does not lapse between policies.

The key thing to know about shopping around is that you’ll want to make sure you compare the same liability limits and deductibles on every price quote and and to get price quotes from every company you can. This provides the most accurate price comparison and the best price selection.

Our objective in writing this article is to help educate you on the most effective ways to compare rates and some tips to save money. If you currently have a car insurance policy, you will surely be able to reduce the price you pay using the concepts you’re about to learn. But Virginia consumers must comprehend how companies determine how much to charge because it varies considerably.

Best companies for Mazda Tribute insurance

The companies in the list below are our best choices to provide quotes in Virginia Beach, VA. If multiple companies are listed, we suggest you visit several of them to find the cheapest auto insurance rates.

Coverage information

The data table below outlines different coverage prices for Mazda Tribute models. Having a good understanding how auto insurance premiums are formulated can assist in making smart choices when purchasing an auto insurance policy.

Data variables include single male driver age 50, no speeding tickets, no at-fault accidents, $500 deductibles, and Virginia minimum liability limits. Discounts applied include multi-policy, claim-free, multi-vehicle, homeowner, and safe-driver. Premium amounts do not factor in Virginia Beach location which can alter auto insurance rates greatly.

Physical damage deductibles: Should you raise them?

One of the more difficult decisions when buying auto insurance is which comprehensive and collision deductibles to buy. The rates shown below help summarize the difference in cost of buying low and high policy deductibles. The first pricing table uses a $100 deductible for physical damage and the second price table uses a $1,000 deductible.

Table data assumes married male driver age 30, no speeding tickets, no at-fault accidents, and Virginia minimum liability limits. Discounts applied include claim-free, multi-policy, homeowner, multi-vehicle, and safe-driver. Prices do not factor in the specific area where the vehicle is garaged which can raise or lower prices substantially.

Based on these figures, using a $100 deductible costs approximately $27 more each month or $324 annually than buying the higher $1,000 deductible. Since you would pay $900 more to file a claim with a $1,000 deductible as compared to a $100 deductible, if you tend to average at least 33 months between claims, you would save more money going with the higher deductible.

Age-based auto insurance rates by gender

The diagram below illustrates the comparison of Mazda Tribute insurance costs for male and female drivers. The premiums assume no claims, a clean driving record, full coverage, $250 deductibles, single marital status, and no discounts are factored in.

Verify you’re receiving every discount

Buying auto insurance is not cheap, but you might be missing out on some discounts that could drop your premiums quite a bit. Larger premium reductions will be automatically applied at quote time, but some may not be applied and must be asked about prior to receiving the credit.

• Club Memberships – Being a member of a civic or occupational organization in Virginia Beach is a good way to get lower rates on your policy.
• College Student Discount – Kids living away from Virginia Beach attending college and do not take a car to college can receive lower rates.
• Seat Belts Save more than Lives – Drivers who always wear seat belts and also require passengers to wear their seat belts may be able to save a few bucks off the personal injury premium cost.
• Life Insurance – Select auto insurance companies reward you with better rates if you take out life insurance.
• Driver Safety – Taking a defensive driving class may get you a small discount if you qualify.
• ABS Brakes – Cars, trucks, and SUVs with ABS and/or traction control can stop better under adverse conditions and therefore earn up to a 10% discount.
• Active Service Discounts – Being deployed in the military could mean lower premium rates.
• Cautious Drivers – Drivers who avoid accidents can save up to 40% or more on their Virginia Beach auto insurance quote compared to rates paid by drivers with frequent claims.

Discounts reduce rates, but you should keep in mind that most credits do not apply to the entire policy premium. Most only cut specific coverage prices like medical payments or collision. So even though they make it sound like you would end up receiving a 100% discount, you won’t be that lucky.

The example below shows the comparison of Mazda Tribute yearly insurance costs with and without discounts applied to the rates. The premium estimates are based on a male driver, no violations or claims, Virginia state minimum liability limits, comprehensive and collision coverage, and $250 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with homeowner, safe-driver, claim-free, multi-car, multi-policy, and marriage discounts applied.

A few of the larger companies and some of the premium reductions they offer are outlined below.

• American Family may offer discounts for early bird, air bags, good student, Steer into Savings, defensive driver, and TimeAway discount.
• Farm Bureau may have discounts that include good student, multi-vehicle, driver training, safe driver, youthful driver, and 55 and retired.
• State Farm has savings for Drive Safe & Save, good driver, defensive driving training, Steer Clear safe driver discount, and safe vehicle.
• Travelers offers discounts for student away at school, early quote, home ownership, new car, and save driver.
• The Hartford may include discounts for good student, air bag, driver training, vehicle fuel type, bundle, and anti-theft.
• GEICO policyholders can earn discounts including membership and employees, federal employee, anti-lock brakes, emergency military deployment, and air bags.
• Progressive includes discounts for multi-vehicle, good student, online signing, online quote discount, homeowner, and multi-policy.

It’s a good idea to ask each insurance company which discounts you may be entitled to. Some discounts may not be offered in your area.

Do I just need basic coverages?

When it comes to choosing insurance from an agent or online for your personal vehicles, there isn’t really a one size fits all plan. Your needs are not the same as everyone else’s.

These are some specific questions might point out whether you will benefit from professional help.

• Should I bundle my homeowners policy with my auto?
• Do I have coverage when using my vehicle for my home business?
• Are my tools covered if they get stolen from my vehicle?
• Where can I find DUI or SR-22 insurance?
• Can my teen driver be rated on a liability-only vehicle?
• Do I need special coverage while pulling a rented trailer?
• Is extra glass coverage worth it?

If you’re not sure about those questions but one or more may apply to you, you may need to chat with an insurance agent. If you want to speak to an agent in your area, fill out this quick form.

When to get advice from a local insurance agent

Some consumers would prefer to sit down and talk to an agent and doing so can bring peace of mind The biggest benefit of comparing rates online is that you can find lower rates but also keep your business local. Buying insurance from small agencies is important especially in Virginia Beach.

To help locate an agent, after submitting this short form, your information gets sent to insurance agents in Virginia Beach who want to provide quotes for your car insurance coverage. It’s much easier because you don’t need to find an agent on your own since price quotes are sent to you instantly. Get lower rates and an insurance agent to talk to. If you have a need to compare rates from one company in particular, you just need to visit that company’s website and submit a quote form there.

Insurance agent types

When narrowing the list to find a reliable insurance agent, it can be helpful to understand the different types of agencies and how they function. Car insurance agents can be described as either independent agents or exclusive agents depending on their employer.

Independent Insurance Agents

Independent agencies are not required to write business for one company so as a result can place your coverage with any number of different companies and help determine which has the cheapest rates. If you want to switch companies, your policy is moved internally and you don’t have to find a new agent.

If you need cheaper car insurance rates, we recommend you get some free quotes from a few independent agents to get the most accurate price comparison.

The following is a short list of independent agencies in Virginia Beach that can give you pricing information.

View more agents

Exclusive Car Insurance Agencies

Agents of this type can only provide one company’s prices and examples are Allstate, State Farm and Farm Bureau. Exclusive agents cannot compare rates from other companies so they have to upsell other benefits. Exclusive agents are well schooled on their products and sales techniques which helps overcome the inability to quote other rates.

Shown below is a list of exclusive agencies in Virginia Beach willing to provide price quote information.

View more agents

Deciding on a car insurance agent is decision based upon more than just a cheap price quote. These are some questions your agent should answer.

• Will vehicle repairs be made with aftermarket parts or OEM replacement parts?
• What are their preferred companies if they are an independent agency?
• Are claim adjusters local or do you have to take your car somewhere else?
• Are you getting all the discounts the company offers?
• Can you contact them at any time?
• Do they have 24-hour customer assistance?
• If your car is in the repair shop, do you have coverage for a rental car?

In the end, you can save money

As you prepare to switch companies, make sure you don’t buy poor coverage just to save money. Too many times, an accident victim reduced uninsured motorist or liability limits only to discover later they didn’t have enough coverage. Your focus should be to purchase a proper amount of coverage at the lowest possible cost while still protecting your assets.

Some insurance companies do not provide rates over the internet and most of the time these small, regional companies provide coverage only through independent agents. Low-cost Mazda Tribute insurance in Virginia Beach can be found from both online companies as well as from insurance agents, and you should be comparing both in order to have the best chance of saving money.

You just learned many ideas to lower your Mazda Tribute insurance rates in Virginia Beach. It’s most important to understand that the more you quote Virginia Beach auto insurance, the more likely it is that you will get a better rate. Consumers could even find that the lowest priced auto insurance comes from a small mutual company.

Other articles

• Drunk Driving Statistics (Insurance Information Institute)
• Who Has the Cheapest Virginia Beach Auto Insurance for Veterans? (FAQ)
• Who Has Cheap Virginia Beach Car Insurance Rates for Low Credit Scores? (FAQ)
• What Car Insurance is Cheapest for a Ford Explorer in Virginia Beach? (FAQ)
• Who Has Cheap Car Insurance Quotes for a Dodge Ram in Virginia Beach? (FAQ)
• How Much is Virginia Beach Auto Insurance for High Mileage Drivers? (FAQ)
• What to do at the Scene of an Accident (Insurance Information Institute)
• Vehicle Safety Ratings (iihs.org)
• Reducing Your Risks in a Car Crash Video (iihs.org)
• Shopping for a Safe Car (Insurance Information Institute)