2013 Toyota Tacoma Car Insurance Quotes – 9 Discounts for Best Rates

Nobody I know cherishes buying auto insurance, in particular when their premiums are through the roof.

You have multiple auto insurance companies to purchase coverage from, and although it’s a good thing to have a choice, having more auto insurance companies makes it harder to get the best deal.

You need to check auto insurance prices occasionally since insurance rates fluctuate regularly. If you had the lowest price on Tacoma insurance a couple years back you may be paying too much now. Starting right now, ignore everything you know about auto insurance because we’re going to show you the proper way to find better rates and still maintain coverage.

Choosing the best insurance company for you is not that difficult. If you are paying for car insurance now, you will most likely be able to cut costs considerably using these techniques. Nevertheless, car owners must learn the way insurance companies market insurance on the web and take advantage of how the system works.

The method we recommend to compare rate quotes utilizes the fact most larger insurance companies actually pay money for the chance to give you rate quotes. To begin a comparison, all you need to do is provide a small amount of information including whether you drive to work or school, how much you drive, how old drivers are, and if your license is active. That rating data is then sent to multiple different insurance companies and you will get price comparisons within a short period of time.

Save big with these nine discounts

Companies do not advertise every discount very well, so the following is a list of both the well known as well as the least known insurance savings.

  • New Vehicle Savings – Adding a new car to your policy can cost up to 25% less due to better safety requirements for new cars.
  • Discount for Swiching Early – Some companies give discounts for signing up before your current policy expires. The savings is around 10%.
  • Anti-lock Brake Discount – Anti-lock brake equipped vehicles are safer to drive and will save you 10% or more.
  • Accident Free – Claim-free drivers pay less as compared to accident-prone drivers.
  • More Vehicles More Savings – Having multiple cars or trucks on one policy may reduce the rate for each vehicle.
  • Government Employees – Active or retired federal employment could cut as much as 10% off on Tacoma insurance with certain companies.
  • Theft Prevention System – Vehicles equipped with anti-theft or alarm systems are stolen less frequently and qualify for as much as a 10% discount.
  • Club Memberships – Belonging to a civic or occupational organization is a good way to get lower rates on your policy on Tacoma insurance.
  • Senior Citizens – If you qualify as a senior citizen, you may qualify for better insurance rates on Tacoma insurance.

Drivers should understand that most discounts do not apply to the entire cost. Some only apply to individual premiums such as comprehensive or collision. Just because you may think all those discounts means the company will pay you, companies don’t profit that way.

Car insurance companies that may offer some of the above discounts include:

Double check with each company what discounts are available to you. Savings may not apply in your state.

But I don’t know anything about car insurance

When buying the right insurance coverage, there is no cookie cutter policy. Everyone’s needs are different and a cookie cutter policy won’t apply. For instance, these questions can help discover if you might need professional guidance.

  • Will my insurance pay for OEM parts?
  • Am I insured when driving a different vehicle?
  • What is an SR-22 filing?
  • Will my rates increase for filing one claim?
  • Am I covered if I break a side mirror?
  • Is my trailer covered?
  • Do I pay less if my vehicle is kept in my garage?

If it’s difficult to answer those questions but you think they might apply to your situation, you might consider talking to an insurance agent. To find an agent in your area, complete this form or go to this page to view a list of companies.

Do insurance coverage companies bend the truth?

Insurance coverage companies such as 21st Century, Allstate and State Farm constantly bombard you with ads in print and on television. They all seem to make an identical promise that you’ll save big if you switch to their company. How does each company claim to save you money?

All companies have a preferred profile for the right customer that makes them money. For example, a profitable customer might be over the age of 40, insures multiple vehicles, and drives less than 10,000 miles a year. Any new insured that hits that “sweet spot” will qualify for the lowest rates and most likely will save a lot of money.

Potential customers who fall outside the “perfect” profile will be charged a more expensive rate and this can result in business not being written. The ads say “drivers who switch” not “everybody who quotes” save that much. This is how insurance companies can claim big savings. That is why drivers should get quotes from several different companies. Because you never know which insurance companies will provide you with the cheapest Toyota Tacoma insurance rates.

Car insurance policy specifics

Understanding the coverages of a car insurance policy aids in choosing the best coverages for your vehicles. The coverage terms in a policy can be difficult to understand and even agents have difficulty translating policy wording. Listed below are the normal coverages offered by car insurance companies.

Comprehensive (Other than Collision) – This pays to fix your vehicle from damage OTHER than collision with another vehicle or object. You need to pay your deductible first then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage protects against claims like hitting a bird, damage from flooding, hitting a deer, damage from getting keyed and a tree branch falling on your vehicle. The most a car insurance company will pay at claim time is the cash value of the vehicle, so if the vehicle’s value is low it’s probably time to drop comprehensive insurance.

Collision coverages – This pays to fix your vehicle from damage resulting from colliding with a stationary object or other vehicle. A deductible applies then your collision coverage will kick in.

Collision insurance covers claims such as rolling your car, colliding with a tree, sustaining damage from a pot hole, driving through your garage door and backing into a parked car. Collision coverage makes up a good portion of your premium, so analyze the benefit of dropping coverage from older vehicles. You can also increase the deductible in order to get cheaper collision rates.

Protection from uninsured/underinsured drivers – This coverage protects you and your vehicle’s occupants from other drivers when they are uninsured or don’t have enough coverage. It can pay for hospital bills for your injuries and damage to your Toyota Tacoma.

Since a lot of drivers only carry the minimum required liability limits, it only takes a small accident to exceed their coverage. This is the reason having UM/UIM coverage should not be overlooked.

Liability coverage – This provides protection from damage or injury you incur to other people or property. This coverage protects you against claims from other people, and doesn’t cover damage to your own property or vehicle.

Liability coverage has three limits: bodily injury per person, bodily injury per accident and property damage. You commonly see liability limits of 100/300/100 which means $100,000 in coverage for each person’s injuries, a limit of $300,000 in injury protection per accident, and a total limit of $100,000 for damage to vehicles and property.

Liability can pay for claims like structural damage, funeral expenses and loss of income. How much liability should you purchase? That is a decision to put some thought into, but consider buying as high a limit as you can afford.

Medical expense insurance – Coverage for medical payments and/or PIP pay for immediate expenses for pain medications, dental work, prosthetic devices, funeral costs and nursing services. The coverages can be used in conjunction with a health insurance policy or if there is no health insurance coverage. Coverage applies to you and your occupants and also covers getting struck while a pedestrian. Personal Injury Protection is not universally available but can be used in place of medical payments coverage

More choices the merrier

You just read a lot of ways to shop for 2013 Toyota Tacoma insurance online. It’s most important to understand that the more rate comparisons you have, the higher your chance of finding lower rates. Consumers may even find the best price on car insurance is with the least-expected company. Smaller companies may often insure only within specific states and give getter rates compared to the large companies like State Farm or Progressive.

When you buy insurance online, you should never sacrifice coverage to reduce premiums. There have been many cases where consumers will sacrifice collision coverage only to discover later that the small savings ended up costing them much more. The aim is to find the BEST coverage for the lowest price, not the least amount of coverage.

Additional information