Want to know an easy way to compare more competitive Mazda Tribute insurance in Chicago? Are you frustrated by the wide range of insurance providers in Chicago? Many other drivers are as well. There are so many choices that it can quickly become more work than you anticipated to find the lowest price for Mazda Tribute insurance in Chicago. Chicago has many things to offer, but expensive insurance makes it very hard to buy proper levels of coverage.
Shockingly, nearly 70% of consumers have remained with the same insurance company for more than four years, and virtually 40% of consumers have never shopped around. Drivers in the United States could save about $860 every year, but they just don’t understand how easy it is to compare other rate quotes.
If you currently have insurance, you will definitely be able to lower your rates using these tips. Quoting and comparing the best protection in Chicago is easy if you know what you’re doing. Although Illinois car owners need to have an understanding of how companies compete online because rates are impacted by many factors.
The are a couple different ways of comparing rates from auto insurance companies in your area. The recommended way to lower the rate you pay for Mazda Tribute insurance is to perform an online rate comparison.
When price shopping your coverage, comparing more rates from different companies helps increase your odds of locating more affordable insurance.
The providers in the list below are ready to provide price comparisons in Illinois. If multiple providers are shown, we suggest you visit two to three different companies in order to get a fair rate comparison.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Tribute I Sport 2WD | $152 | $344 | $214 | $12 | $64 | $786 | $66 |
| Tribute I Sport 4WD | $98 | $196 | $228 | $14 | $68 | $604 | $50 |
| Tribute I Touring 2WD | $168 | $384 | $288 | $18 | $86 | $944 | $79 |
| Tribute I Grand Touring 2WD | $158 | $288 | $214 | $12 | $64 | $736 | $61 |
| Tribute I Touring 4WD | $120 | $242 | $288 | $18 | $86 | $754 | $63 |
| Tribute I Grand Touring 4WD | $256 | $478 | $290 | $18 | $88 | $1,130 | $94 |
| Tribute S Grand Touring 2WD | $108 | $246 | $250 | $14 | $76 | $694 | $58 |
| Tribute S Grand Touring 4WD | $202 | $400 | $222 | $14 | $66 | $904 | $75 |
| Get Your Own Custom Quote Go | |||||||
Data variables include married male driver age 30, no speeding tickets, no at-fault accidents, $250 deductibles, and Illinois minimum liability limits. Discounts applied include multi-vehicle, multi-policy, safe-driver, claim-free, and homeowner. Rates do not factor in specific zip code location which can lower or raise price quotes greatly.
Insurance rate increases from tickets or accidents
The example below highlights how speeding tickets and at-fault accidents can raise Mazda Tribute auto insurance costs for different categories of driver ages. The data assumes a single male driver, full physical damage coverage, $500 deductibles, and no policy discounts are applied.
Policy deductibles
The example below demonstrates how choosing different deductibles and can raise or lower Mazda Tribute insurance rates for different categories of driver ages. Data assumes a single male driver, full physical damage coverage, and no other discounts are factored in.
Auto insurance deductibles
The hardest decision when buying coverage is where to set your physical damage deductibles. The premium rates below can help you understand the price difference when you buy lower versus higher physical damage coverage deductibles. The first set of prices uses a $100 physical damage coverage deductible and the second pricing table uses a $1,000 deductible.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Tribute I Sport 2WD | $196 | $406 | $222 | $14 | $66 | $929 | $77 |
| Tribute I Sport 4WD | $196 | $406 | $222 | $14 | $66 | $929 | $77 |
| Tribute I Touring 2WD | $196 | $406 | $222 | $14 | $66 | $929 | $77 |
| Tribute I Grand Touring 2WD | $224 | $406 | $222 | $14 | $66 | $957 | $80 |
| Tribute I Touring 4WD | $224 | $406 | $222 | $14 | $66 | $957 | $80 |
| Tribute I Grand Touring 4WD | $224 | $478 | $222 | $14 | $66 | $1,029 | $86 |
| Tribute S Grand Touring 2WD | $224 | $478 | $222 | $14 | $66 | $1,029 | $86 |
| Tribute S Grand Touring 4WD | $224 | $478 | $222 | $14 | $66 | $1,029 | $86 |
| Get Your Own Custom Quote Go | |||||||
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Tribute I Sport 2WD | $108 | $214 | $222 | $14 | $66 | $624 | $52 |
| Tribute I Sport 4WD | $108 | $214 | $222 | $14 | $66 | $624 | $52 |
| Tribute I Touring 2WD | $108 | $214 | $222 | $14 | $66 | $624 | $52 |
| Tribute I Grand Touring 2WD | $124 | $214 | $222 | $14 | $66 | $640 | $53 |
| Tribute I Touring 4WD | $124 | $214 | $222 | $14 | $66 | $640 | $53 |
| Tribute I Grand Touring 4WD | $124 | $252 | $222 | $14 | $66 | $678 | $57 |
| Tribute S Grand Touring 2WD | $124 | $252 | $222 | $14 | $66 | $678 | $57 |
| Tribute S Grand Touring 4WD | $124 | $252 | $222 | $14 | $66 | $678 | $57 |
| Get Your Own Custom Quote Go | |||||||
Prices above based on married male driver age 30, no speeding tickets, no at-fault accidents, and Illinois minimum liability limits. Discounts applied include homeowner, multi-vehicle, claim-free, safe-driver, and multi-policy. Information does not factor in specific Chicago garaging location which can alter premiums considerably.
Based on this data, using a $100 deductible costs about $27 more each month or $324 every year than choosing the higher $1,000 deductible. Since you would have to pay $900 more if you turn in a claim with a $1,000 deductible as compared to a $100 deductible, if you have at least 33 months between claims, you would probably be better off by going with a higher deductible.
Insurance is not optional but you don’t have to overpay
Despite the potentially high cost of Mazda Tribute insurance, paying for insurance is most likely required but also gives you several important benefits.
First, most states have minimum liability requirements which means the state requires a specific level of liability coverage if you drive a vehicle. In Illinois these limits are 20/40/15 which means you must have $20,000 of bodily injury coverage per person, $40,000 of bodily injury coverage per accident, and $15,000 of property damage coverage.
Second, if you have a lien on your vehicle, it’s guaranteed your bank will make it a condition of the loan that you have insurance to ensure the loan is repaid in case of a total loss. If you do not pay your insurance premiums, the bank may buy a policy for your Mazda at a much higher premium rate and make you pay for the expensive policy.
Third, insurance safeguards both your assets and your Mazda Tribute. It will also pay for hospital and medical expenses for you, your passengers, and anyone else injured in an accident. Liability insurance will also pay attorney fees if anyone sues you for causing an accident. If your Mazda gets damaged, your policy will pay to have it repaired.
The benefits of insuring your car more than offset the price you pay, particularly for liability claims. But the average driver in Illinois overpays more than $800 each year so compare quotes from several companies at every policy renewal to ensure rates are competitive.
Auto insurance quotes and discounts
Auto insurance is not an enjoyable expense, but you might be missing out on some discounts that can drop the cost substantially. Many discounts should be triggered when you complete an application, but some need to be specifically requested prior to getting the savings.
- Pay Now and Pay Less – By paying your entire bill at once instead of monthly or quarterly installments you could save 5% or more.
- Distant Student Discount – Kids who live away from home to go to college and don’t have a car could qualify for this discount.
- No Claim Discounts – Good drivers with no accidents get the best auto insurance rates compared to policyholders that have many claims.
- Auto/Life Discount – Insurance companies who offer life insurance give a discount if you purchase life insurance.
- Low Mileage Discounts – Driving less may allow you to get lower premium rates due to less chance of an accident.
- Save over 55 – If you’re over the age of 55, you are able to get lower premium rates.
- E-sign Discounts – Some of the larger companies provide a small discount for buying a policy and signing up digitally online.
- Policy Bundle Discount – If you have multiple policies with the same insurance company you may earn up to 20% off your total Tribute insurance premium.
- Discounts for New Vehicles – Buying insurance on a new vehicle is cheaper because new model year vehicles have to meet stringent safety requirements.
While discounts sound great, it’s important to understand that most credits do not apply to your bottom line cost. Some only reduce the cost of specific coverages such as liability and collision coverage. So even though they make it sound like you can get free auto insurance, it doesn’t quite work that way.
A list of companies and their offered discounts are detailed below.
- GEICO offers discounts including anti-lock brakes, five-year accident-free, defensive driver, driver training, anti-theft, and good student.
- USAA has discounts for military installation, vehicle storage, driver training, defensive driver, safe driver, and loyalty savings.
- Progressive has savings for multi-policy, multi-vehicle, homeowner, online quote discount, good student, online signing, and continuous coverage.
- American Family offers premium reductions for Steer into Savings, accident-free, good driver, multi-vehicle, and TimeAway discount.
- Esurance may include discounts for emergency road assistance, multi-policy, good student, defensive driver, and anti-theft.
- Farmers Insurance offers discounts for business and professional, distant student, switch companies, youthful driver, multi-car, teen driver, and early shopping.
- State Farm discounts include multiple policy, passive restraint, Drive Safe & Save, good driver, and Steer Clear safe driver discount.
If you want inexpensive Chicago auto insurance quotes, ask all the companies which discounts you may be entitled to. All car insurance discounts may not apply to policies in your area.
Insurance agents are professional risk managers
Many people would rather sit down with an agent and that is not a bad decision One of the best bonuses of price shopping on the web is that drivers can save money and get cheaper premium rates and also buy local. Supporting local insurance agents is important particularly in Chicago.
To help locate an agent, after submitting this short form, your insurance data is transmitted to companies in Chicago that provide free Chicago auto insurance quotes for your coverage. It makes it easy because there is no need to search for an agent since price quotes are sent to your email. You can find lower rates and a licensed agent to talk to. If you have a need to compare rates for a specific company, don’t hesitate to navigate to their website and fill out the quote form the provide.
Pick the best car insurance agent in Chicago for you
If you want to use a local Chicago insurance agency, you need to know there are two different types of agents that you can choose from. Agents in Chicago are considered either exclusive or independent.
Independent Insurance Agencies or Brokers
Independent agents are not required to write business for one company so they can quote policies through many companies and find the cheapest rate. If they find a lower price, your policy is moved internally and you can keep the same agent. When comparing rates, you need to get some free quotes from several independent agencies so that you have a good selection of quotes to compare. A lot of them also have access to small regional insurance companies that can offer cheaper rates than bigger companies.
Listed below are Chicago independent agencies who may be able to give you free rate quotes.
- Skyline Insurance Agency, Inc.
2302 W Belmont Ave – Chicago, IL 60618 – (773) 525-7500 – View Map - Eagle Insurance Agency
3517 N Spaulding Ave – Chicago, IL 60618 – (773) 463-7576 – View Map - Public Insurance Agency
3656 N Cicero Ave – Chicago, IL 60641 – (773) 725-9333 – View Map
Exclusive Insurance Agents
Agents that elect to be exclusive can only provide pricing for a single company like Farmers Insurance, State Farm, Allstate, and AAA. They generally cannot provide rate quotes from other companies so they really need to provide good service. Exclusive agents are usually well trained on their products and sales techniques which helps them compete with independent agents. Some consumers prefer to buy from the same agent for years partially due to the prominent brand name and the convenience of having all coverages with one company.
Listed below are exclusive agencies in Chicago willing to provide price quote information.
- Liane Williams – State Farm Insurance Agent
3143 W 71st St – Chicago, IL 60629 – (773) 436-7500 – View Map - Bill Dillard – State Farm Insurance Agent
516 W Diversey Pkwy – Chicago, IL 60614 – (773) 549-2605 – View Map - Tamika Echols – State Farm Insurance Agent
1611 N Clybourn Ave – Chicago, IL 60614 – (312) 944-9700 – View Map
Picking an insurance agency needs to be determined by more than just the price. These are some valid questions you should ask.
- Can you use your own choice of collision repair facility?
- What kind of financial rating does the company have?
- Do they have a Better Business Bureau rating in Chicago?
- How often do they review policy coverages?
- Who are their largest clients?
- Is working in the agency their full-time job?
What is YOUR best insurance company?
Drivers switch companies for any number of reasons including high prices, policy cancellation, denial of a claim or even poor customer service. It doesn’t matter why you want to switch switching insurance companies can be easier than you think.
When getting Chicago auto insurance quotes online, do not skimp on critical coverages to save a buck or two. There have been many situations where an insured dropped physical damage coverage only to regret that it was a big mistake. Your strategy should be to buy a smart amount of coverage at an affordable rate, but do not skimp to save money.
Cheaper insurance in Chicago is possible both online as well as from insurance agents, so you need to shop Chicago auto insurance with both to have the best rate selection. Some insurance companies do not offer online quoting and most of the time these regional insurance providers only sell coverage through local independent agents.
More tips and info about insurance can be read in the articles below:
- Safety Belts FAQ (iihs.org)
- Who Has Affordable Auto Insurance for Real Estate Agents in Chicago? (FAQ)
- Who Has Cheap Auto Insurance for Drivers with Accidents in Chicago? (FAQ)
- Who Has Cheap Chicago Auto Insurance for Drivers with a Bad Driving Record? (FAQ)
- Who Has Cheap Car Insurance for a Honda Civic in Chicago? (FAQ)
- A Tree Fell on Your Car: Now What? (Allstate)
- Steps to Take After an Auto Accident (Insurance Information Institute)
- Understanding Car Crashes Video (iihs.org)