2006 Toyota Tundra Insurance Quotes – 6 Tips to Save

Trying to find lower insurance coverage rates for your Toyota Tundra? Do you think you bought an overpriced insurance coverage policy? Say no more because there are a lot of people just like you who feel imprisoned by their insurance coverage policy. Big companies like Allstate and Progressive persitently shower you with ad campaigns and consumers find it hard to see through the deception and find the best price available.

How to get free insurance quotes online

Getting a more affordable price on 2006 Toyota Tundra insurance can be relatively painless. Drivers just need to spend a few minutes to get quotes to discover which company has low cost auto insurance quotes. This can be accomplished in a couple of different ways.

1. If you’re in a hurry, the quickest way to get the best comparison quotes is to use a rate comparison form click here to open form in new window. This easy form prevents you from having to do separate quotation requests for every insurance company. One form gets rate comparisons from many national carriers.
2. A less efficient way to get comparison quotes consists of visiting each individual company website and get a separate price quote. For examples sake, we’ll pretend you want to view quotes from Farmers, Geico and GMAC. To get each rate you have to go to each individual site and punch in your information repeatedly, which is why the first method is more popular. For a list of links to companies insuring cars in your area, click here.

Whichever method you choose, be certain you are entering identical coverage limits with each company. If you are comparing different data then you won’t be able to determine the lowest rate for your Toyota Tundra.

Drivers save money with these six premium-slashing discounts

Insurance coverage can be pricey, but there could be significant discounts to help offset the cost. Certain discounts will be triggered automatically when you purchase, but some must be specially asked for before being credited.

• Seat Belt Usage – Buckling up and requiring all passengers to buckle up can save up to 10 percent (depending on the company) off PIP or medical payments premium.
• Accident Free – Drivers who don’t have accidents can save substantially when compared to policyholders that have many claims.
• Driving Data Discount – Insureds that choose to allow their company to monitor driving habits by using a telematics device in their vehicle like Allstate’s Drivewise could save a few bucks as long as the data is positive.
• Student in College – Older children who live away from home at college and do not take a car to college may be insured at a cheaper rate.
• Discounts for Safe Drivers – Insureds who avoid accidents can save as much as half off their rates for Tundra coverage than less cautious drivers.
• Accident Forgiveness Coverage – Not really a discount, but some insurance companies will let one accident slide before your rates go up as long as you don’t have any claims before the accident.

Discounts reduce rates, but you should keep in mind that many deductions do not apply to the entire cost. Most only cut individual premiums such as comprehensive or collision. Even though it appears you could get a free insurance coverage policy, you aren’t that lucky.

Some of the larger companies that may have most of the discounts above include:

• Geico
• SAFECO
• State Farm
• MetLife
• 21st Century
• Progressive

It’s a good idea to ask all companies you are considering to give you their best rates. Some discounts listed above might not apply in your area. For a list of providers that have a full spectrum of discounts, follow this link.

Do I need special coverages?

When it comes to choosing the right insurance coverage for your personal vehicles, there really is no one size fits all plan. Everyone’s needs are different so your insurance should reflect that For example, these questions could help you determine if you would benefit from an agent’s advice.

• What should my uninsured motorist coverage limits be in my state?
• Is my cargo covered for damage or theft?
• When should I buy a commercial auto policy?
• When should I drop full coverage on my 2006 Toyota Tundra?
• Is my Toyota Tundra covered if I use it for business?
• What is roadside assistance coverage?
• Do I really need UM/UIM coverage?

If you don’t know the answers to these questions but you think they might apply to your situation, then you may want to think about talking to an insurance agent. If you want to speak to an agent in your area, fill out this quick form or go to this page to view a list of companies. It only takes a few minutes and may give you better protection.

Specifics of your insurance policy

Knowing the specifics of a insurance policy can help you determine the right coverages and proper limits and deductibles. The terms used in a policy can be difficult to understand and even agents have difficulty translating policy wording. These are the usual coverages found on the average insurance policy.

Uninsured Motorist or Underinsured Motorist insurance

Your UM/UIM coverage protects you and your vehicle’s occupants when other motorists either are underinsured or have no liability coverage at all. Covered losses include injuries sustained by your vehicle’s occupants as well as your vehicle’s damage.

Since many drivers only purchase the least amount of liability that is required, it only takes a small accident to exceed their coverage. For this reason, having high UM/UIM coverages is important protection for you and your family. Frequently these coverages are identical to your policy’s liability coverage.

Insurance for medical payments

Med pay and PIP coverage provide coverage for short-term medical expenses such as surgery, prosthetic devices and pain medications. They are often used to cover expenses not covered by your health insurance policy or if you are not covered by health insurance. Coverage applies to not only the driver but also the vehicle occupants and will also cover being hit by a car walking across the street. PIP is not available in all states and may carry a deductible

Comprehensive coverage (or Other than Collision)

Comprehensive insurance coverage pays for damage OTHER than collision with another vehicle or object. You need to pay your deductible first and then insurance will cover the rest of the damage.

Comprehensive coverage protects against things such as damage from getting keyed, a tree branch falling on your vehicle, hail damage and falling objects. The maximum payout you can receive from a comprehensive claim is the actual cash value, so if it’s not worth much more than your deductible it’s probably time to drop comprehensive insurance.

Coverage for collisions

This coverage will pay to fix damage to your Tundra resulting from a collision with an object or car. You first must pay a deductible then the remaining damage will be paid by your insurance company.

Collision coverage protects against things like colliding with another moving vehicle, driving through your garage door, rolling your car and colliding with a tree. Paying for collision coverage can be pricey, so consider removing coverage from lower value vehicles. Drivers also have the option to increase the deductible to bring the cost down.

Liability car insurance

This will cover damages or injuries you inflict on people or other property. It protects you from claims by other people, and doesn’t cover damage sustained by your vehicle in an accident.

Split limit liability has three limits of coverage: bodily injury per person, bodily injury per accident and property damage. As an example, you may have liability limits of 25/50/25 that means you have $25,000 in coverage for each person’s injuries, a limit of $50,000 in injury protection per accident, and property damage coverage for $25,000. Another option is one number which is a combined single limit which provides one coverage limit rather than limiting it on a per person basis.

Liability can pay for claims like attorney fees, legal defense fees and structural damage. How much liability should you purchase? That is your choice, but it’s cheap coverage so purchase as high a limit as you can afford.