Lower Your 2004 Toyota Tacoma Insurance Quotes

Looking for the cheapest insurance coverage rates for your Toyota Tacoma? Are you drained from not being able to scrape enough together to keep your car insured? You are no different than millions of other people. With people having so many options, it is hard for the average consumer to find the lowest cost company.

Ways to get car insurance price quotes

Many insurance companies allow you to get coverage prices direct online. Comparing rates online is fairly simple as you just type in the amount of coverage you want into a form. When the form is submitted, the system orders credit information and your driving record and returns a price quote determined by many factors. Online quotes helps simplify price comparisons, but the work required to visit several different sites and type in the same information is a big time waster. But it’s also necessary to perform this step if you want to find the lowest possible prices on car insurance.

A better way to lower your car insurance bill utilizes a single form that gets price quotes from more than one company. It saves time, helps eliminate reptitive entry, and makes online price comparison much easier to do. As soon as the form is sent, it gets priced and you are able to buy any of the quote results.

If the quotes result in lower rates, you can click and sign and purchase the new policy. The entire process takes just a few minutes to complete and could lower your rates considerably.

To compare rates now, click here and complete the simple form. If you have your current policy handy, we recommend you input coverages and limits exactly as shown on your declarations page. Doing this guarantees you’re receiving comparison quotes based on identical coverages.

Save a ton with these discounts

Insurance is neither fun to buy or cheap, but you can get discounts that could help you make your next renewal payment. Some of these disounts will be visible at the time of purchase, but occassionally some discounts must be manually applied before you get the savings.

  • Anti-theft System – Vehicles that have factory alarm systems and tracking devices are stolen with less frequency so companies will give you a small discount.
  • Discount for Passive Restraints – Factory options such as air bags could see savings of up to 25% or more.
  • Data Collection Discounts – Insureds that choose to allow companies to analyze their driving habits by using a telematics device in their vehicle such as Snapshot from Progressive or Drivewise from Allstate might see lower rates if they show good driving skills.
  • Discount for Multiple Policies – If you can bundle your auto and home insurance with the same company you could save nearly 15% which can help you find cheaper insurance coverage.
  • Seat Belts Save more than Lives – Drivers who always wear seat belts and also require passengers to use their safety belts could save 15% off the PIP or medical payment premium.
  • Paperwork-free – Some larger companies will give a small break for buying your policy on their website.
  • Drive Safe and Save – Safe drivers can pay as much as 50% less on Tacoma coverage than drivers with accident claims.

Don’t be surprised that some credits don’t apply to the entire cost. The majority will only reduce individual premiums such as comprehensive or collision. Even though the math looks like you could get a free insurance policy, companies wouldn’t make money that way.

To choose insurance companies offering insurance discounts, click here to view.

Insurance can be complex

When it comes to choosing the best insurance coverage, there is no “best” method to buy coverage. Each situation is unique and your policy should reflect that. Here are some questions about coverages that can aid in determining if your situation will benefit from professional help.

  • Does my insurance cover damage caused when ticketed for reckless driving?
  • Does coverage extend to Mexico or Canada?
  • Does my 2004 Toyota Tacoma qualify for pleasure use?
  • Can I afford low physical damage deductibles?
  • When can my company non-renew my policy?
  • Is business equipment covered while in my vehicle?
  • Does car insurance cover theft of personal property?
  • How can I get my company to pay me more for my totalled car?
  • Am I covered if I crash into my own garage door?
  • When does my teenage driver need to be added to my policy?

If it’s difficult to answer 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, simply complete this short form or go to this page to view a list of companies. It only takes a few minutes and you can get the answers you need.

Informed consumers can lower insurance rates

Many factors are considered when you get a price on insurance. Some are pretty understandable like an MVR report, although others are more obscure like where you live or your vehicle rating.

  • Extra policy coverages push up premiums – There are many additional coverages that can waste your money on your insurance policy. Coverages for coverage for rental cars, accidental death, and extra life insurance coverage may not be needed and are just wasting money. These may sound like a good investment initially, but if you have no use for them remove them from your policy.
  • Rates can drop if you have more than one policy – Many companies apply better rates to people who carry more than one policy. It’s known as a multi-policy discount. Even with this discount applied, it’s still a good idea to compare other company rates to ensure the best deal. Consumers may save even more by buying from different companies
  • Your location is important – Living in areas with lower population is a good thing when trying to find low car insurance rates. Less people living in that area translates into fewer accidents and also fewer theft and vandalism claims. People in densly populated areas regularly have much more traffic and longer commute times. Spending more time driving translates into higher accident risk.
  • Certain vocations raise prices – Did you know your occupation can influence how much you pay for insurance? Careers such as military generalsair traffic controllers and financial analysts tend to have the highest average rates attributed to intense work-related stress and lengthy work days. On the other hand, occupations like scientists, athletes and performers get better rates on Tacoma coverage.
  • Deter theft and save money – Selecting a car model with anti-theft technology or alarm system can help bring down rates. Theft prevention devices such as vehicle immobilizer systems, OnStar, and tracking devices like LoJack can thwart vehicle theft.
  • Safer the car lower the rate – Vehicles with high crash test scores tend to have lower insurance rates. Highly rated vehicles help reduce the chance of injuries in an accident and fewer injuries translates into savings for insurance companies which can result in lower premiums. If the Toyota Tacoma is rated at least four stars on Safercar.gov or an “acceptable” rating on iihs.org it may be receiving lower rates.

Educate yourself about insurance coverages

Having a good grasp of your policy helps when choosing the best coverages and the correct deductibles and limits. The coverage terms in a policy can be difficult to understand and nobody wants to actually read their policy. Listed below are typical coverage types offered by insurance companies.

Uninsured Motorist or Underinsured Motorist insurance

This provides protection from other motorists when they either have no liability insurance or not enough. Covered losses include medical payments for you and your occupants as well as damage to your Toyota Tacoma.

Due to the fact that many drivers only purchase the least amount of liability that is required, their limits can quickly be used up. This is the reason having UM/UIM coverage is a good idea. Most of the time the UM/UIM limits are set the same as your liablity limits.

Auto liability

This coverage protects you from damages or injuries you inflict on other people or property. It protects YOU against other people’s claims. Liability doesn’t cover your injuries or vehicle damage.

Split limit liability has three limits of coverage: bodily injury per person, bodily injury per accident and property damage. You might see policy limits of 25/50/25 that translate to a limit of $25,000 per injured person, $50,000 for the entire accident, and a total limit of $25,000 for damage to vehicles and property. Some companies may use one limit called combined single limit (CSL) that pays claims from the same limit and claims can be made without the split limit restrictions.

Liability coverage protects against claims like pain and suffering, loss of income and structural damage. How much liability should you purchase? That is up to you, but it’s cheap coverage so purchase as large an amount as possible.

Insurance for medical payments

Coverage for medical payments and/or PIP pay for expenses for X-ray expenses, hospital visits, rehabilitation expenses, chiropractic care and doctor visits. They can be utilized in addition to your health insurance program or if you do not have health coverage. It covers you and your occupants in addition to if you are hit as a while walking down the street. PIP is only offered in select states but can be used in place of medical payments coverage

Auto collision coverage

Collision coverage covers damage to your Tacoma resulting from colliding with another vehicle or an object, but not an animal. You first must pay a deductible and the rest of the damage will be paid by collision coverage.

Collision coverage protects against claims such as sideswiping another vehicle, crashing into a ditch, scraping a guard rail, damaging your car on a curb and hitting a parking meter. Collision coverage makes up a good portion of your premium, so consider removing coverage from lower value vehicles. Drivers also have the option to increase the deductible to get cheaper collision coverage.

Comprehensive coverage (or Other than Collision)

This will pay to fix damage from a wide range of events other than collision. You need to pay your deductible first and then insurance will cover the rest of the damage.

Comprehensive coverage pays for things such as damage from getting keyed, fire damage and rock chips in glass. The most you’ll receive from a claim is the actual cash value, so if it’s not worth much more than your deductible consider dropping full coverage.

A little work can save a LOT of money

Throughout this article, we presented some good ideas how you can lower your 2004 Toyota Tacoma insurance premium rates. The most important thing to understand is the more price quotes you have, the more likely it is that you will get a better rate. You may even find the best premium rates are with a lesser-known regional company. Some small companies may have significantly lower prices on certain market segments compared to the large companies like Progressive and GEICO.

Budget-friendly insurance can be bought from both online companies and with local insurance agents, and you need to price shop both so you have a total pricing picture. Some insurance companies may not provide online price quotes and many times these small insurance companies sell through independent insurance agents.

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Comments About 2004 Toyota Tacoma Insurance

  1. Andre Norris

    Where is cheaper car insurance? I’m in the suburbs of Cedar Rapids, IA. Got quotes with USAA, American Family, The General, and Nationwide for my Tacoma and saved just over $90 a year. I get multi-vehicle and multi-policy discounts. My Tacoma doesn’t have full coverage.

  2. Jacquline Herring

    Affordable car insurance is a myth. From a town just southwest of Newark, NJ. Not sure of all the companies but I ended up saving about $20 each month. They offer free online rate quotes.

  3. Laci Bruce

    I’ve had Progressive for years. I’m in Portland, OR.

  4. Jenelle Morton

    Cheap is relative. I live in a small town just outside of Boise, ID. I got free prices from The General, Amica, Sentry, and a couple others for my Tacoma and saved just over $110 a year. I get lower rates because of my clean driving record. Book value doesn’t justify full coverage anymore.

  5. Brett Anderson

    Cheaper car insurance is a myth. I’m in the suburbs of San Jose, CA. Went online for free insurance quotes for a 2004 Toyota Tacoma. Ended up at about $120 savings annually. Went with Progressive. I think I’ll get rid of full coverage next time.

  6. Timothy Grimes

    GEICO has the cheapest rates in New Jersey. No comparison.

  7. Rudy Saunders

    Compared rates with GEICO and Amica but still pricey.

  8. Bret Peterson

    Nice info. Found cheapest coverage with Farmers for my Toyota and cut my rates about $70 a year. Even increased my liability limits. :)

  9. Velvet Doyle

    Will 21st Century do a SR22 in Tennessee?

  10. Simone Christian

    Does Progressive have good customer service?

  11. Treena Petersen

    I got a good deal I think. Live in the southern part of Lewiston, ME. Can’t remember who all I quoted but I ended up saving about $30 each month. A clean driving record helps. It’s still not cheap enough.

  12. Ramonita Burgess

    Nice post. I live north of Pittsburgh, PA. Got free quotes online for a 2004 Toyota Tacoma. Ended up at about $90 savings annually. Went with Allstate. Thankfully I’m not a high risk driver. Still almost need a second mortgage.

  13. Adah Fields

    I’m in Memphis, TN, and Progressive rates were affordable. Hardly afford to drive anymore.

  14. Darrell Avery

    Allstate is cheapest in New Jersey! :)

  15. Doreen Thompson

    Proud to be from Oklahoma City, Oklahoma. Checked online prices for a 2004 Toyota Tacoma. Ended up at about $90 savings annually. Went with State Farm.