If you're running tar(1) as a regular user, it will apply your umask by default. If you're running tar(1) as root, then you can give --no-same-permissions command line option to ask tar(1) to respect the umask.
So: either run this as a regular user:
umask 022
tar zxvf file.tar.gz
or run this as root:
umask 022
tar zxvf file.tar.gz --no-same-permissions
You might want to stick umask 022 into your ~/.bashrc, ~/.bash_profile, or ~/.profile. (See bash(1) manpage for full details on the start up files. It's complicated.)
Details on umask can be found in your shell's manpage, the umask(2) system-call manpage, or the umask(1posix) POSIX-provided utility manpage (if you have the manpages-posix installed).