2008 Toyota Sequoia Car Insurance Quotes – 9 Tips for Cheapest Rates

Searching for better car insurance rates for your Toyota Sequoia? Having to pay for pricey Toyota Sequoia insurance can diminish your funds and force you to make tough financial choices. Getting a rate comparison is recommended to reduce premiums and put more money in your pocket.

Since you have so many options when it comes to car insurance, it can be challenging to choose a lower cost company.

Consumers need to price shop coverage before your next renewal because insurance prices change quite often. Even if you got the lowest quotes for Sequoia insurance a year ago there is a good chance you can find better rates now. Block out anything you think you know about car insurance because we’re going to demonstrate one of the easiest ways to reduce your cost while improving coverage.

Finding affordable insurance coverage coverage is simple if you know the tricks. In a nutshell, everyone who shops for insurance coverage will more than likely be able to find better rates. But consumers must learn how the larger insurance companies sell online and take advantage of how the system works.

Drivers save money with with these nine discounts

The cost of insuring your cars can be expensive, but you may find discounts to help bring down the price. Certain discounts will be applied when you purchase, but less common discounts must be asked about prior to receiving the credit.

  • Anti-lock Brake Discount – Cars with ABS braking systems or traction control are safer to drive and earn discounts up to 10%.
  • Discount for Passive Restraints – Options like air bags or motorized seat belts can qualify for discounts of 20% or more.
  • Multi-line Discount – Larger insurance carriers have a lower price if you buy life insurance from them.
  • Driver’s Ed – It’s a good idea to have your young drivers enroll and complete driver’s education in school or through a local driver safety program.
  • No Accidents – Drivers who don’t have accidents can earn big discounts as opposed to accident-prone drivers.
  • Multiple Policy Discount – If you have multiple policies with the same company they may give you a discount of over 10 percent off each policy depending on the company.
  • Low Mileage Discounts – Maintaining low annual mileage could earn lower premium rates on the low mileage vehicles.
  • Federal Employees – Active or former government employment could cut as much as 10% off for Sequoia insurance with some insurance coverage companies.
  • Drive Safe and Save – Insureds who avoid accidents could pay up to 40% less for Sequoia insurance than drivers with accident claims.

One thing to note about discounts is that most discounts do not apply to your bottom line cost. A few only apply to specific coverage prices like comp or med pay. If you do the math and it seems like it’s possible to get free car insurance, that’s just not realistic. But any discount will definitely reduce your insurance coverage premiums.

Larger insurance coverage companies and some of their more popular discounts can be read below.

  • 21st Century offers premium reductions for air bags, good student, student driver, theft prevention, defensive driver, and anti-lock brakes.
  • Progressive may have discounts that include online quote discount, multi-vehicle, multi-policy, good student, continuous coverage, online signing, and homeowner.
  • State Farm includes discounts for Steer Clear safe driver discount, multiple autos, good driver, good student, safe vehicle, and Drive Safe & Save.
  • Nationwide has discounts for family plan, good student, anti-theft, business or organization, Farm Bureau membership, and defensive driving.
  • Esurance policyholders can earn discounts including paid-in-full, anti-lock brakes, online quote, renters, good student, and anti-theft.
  • The Hartford offers discounts including bundle, defensive driver, good student, anti-theft, driver training, vehicle fuel type, and air bag.

Before you buy a policy, ask all the companies to give you their best rates. Some credits might not be offered on policies in your area. To view insurance coverage companies that offer some of these discounts, follow this link.

How to compare auto insurance price quotes

Shopping for lower auto insurance rates can take hours if you aren’t aware of the easiest way. You could spend the better part of a day talking to agents in your area, or you can utilize online quotes to get pricing more quickly.

Most of the larger companies participate in an industry program where prospective buyers enter their policy data once, and every company returns a rated price determined by their information. This eliminates the need for form submissions to every company.

To enter your information into the quoting system, click here (opens in new window).

The only drawback to pricing coverage this way is that you can’t choose which providers you want to price. If you wish to select specific insurance companies for rate comparison, we have a page of auto insurance companies in your area. Click here for list of insurance companies.

Compare rates however you want, just do your best to enter the exact same deductibles and coverage limits with every price quote. If your comparisons have mixed coverages you will not be able to find the best deal for your Toyota Sequoia. Just slight variations in coverages may result in large price differences. It’s important to know that comparing a wide range of rates helps increase your odds of locating lower pricing. Some insurance companies are not set up to provide prices over the internet, so it’s important to compare quotes from the smaller companies as well.

Your situation helps dictate your coverage

When it comes to buying adequate coverage for your personal vehicles, there really is not a best way to insure your cars. Coverage needs to be tailored to your specific needs so your insurance needs to address that. For example, these questions could help you determine if your insurance needs would benefit from an agent’s advice.

  • Should I drop comprehensive coverage on older vehicles?
  • What is medical payments coverage?
  • Do I have coverage when pulling a U-Haul trailer?
  • Do all my vehicles need collision coverage?
  • What should my uninsured motorist coverage limits be in my state?
  • How much liability do I need to cover my assets?
  • When can my company non-renew my policy?

If you don’t know the answers to these questions but you know they apply to you then you might want to talk to a licensed agent. If you don’t have a local agent, complete this form or you can also visit this page to select a carrier

Coverage specifics

Knowing the specifics of car insurance can help you determine the right coverages and proper limits and deductibles. Policy terminology can be ambiguous and coverage can change by endorsement. Below you’ll find typical coverage types offered by car insurance companies.

Medical payments and PIP coverage

Personal Injury Protection (PIP) and medical payments coverage pay for immediate expenses like rehabilitation expenses, dental work, ambulance fees and pain medications. They can be used to cover expenses not covered by your health insurance program or if you lack health insurance entirely. They cover you and your occupants as well as being hit by a car walking across the street. Personal Injury Protection is not available in all states but it provides additional coverages not offered by medical payments coverage

UM/UIM (Uninsured/Underinsured Motorist) coverage

Your UM/UIM coverage protects you and your vehicle when the “other guys” either are underinsured or have no liability coverage at all. Covered losses include hospital bills for your injuries and also any damage incurred to your Toyota Sequoia.

Because many people carry very low liability coverage limits, it doesn’t take a major accident to exceed their coverage limits. So UM/UIM coverage should not be overlooked. Normally your uninsured/underinsured motorist coverages are similar to your liability insurance amounts.

Collision coverage

This pays for damage to your Sequoia resulting from a collision with another car or object. You have to pay a deductible then your collision coverage will kick in.

Collision can pay for things like backing into a parked car, rolling your car, crashing into a building and scraping a guard rail. Collision is rather expensive coverage, so you might think about dropping it from vehicles that are older. It’s also possible to increase the deductible to get cheaper collision coverage.

Comprehensive auto coverage

This coverage will pay to fix damage that is not covered by collision coverage. You first have to pay a deductible then your comprehensive coverage will pay.

Comprehensive coverage pays for things like hitting a bird, vandalism, falling objects and damage from flooding. The highest amount a car insurance company will pay at claim time is the cash value of the vehicle, so if the vehicle is not worth much it’s not worth carrying full coverage.


This coverage provides protection from injuries or damage you cause to other people or property in an accident. Liability coverage has three limits: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You commonly see liability limits of 50/100/50 which means a $50,000 limit per person for injuries, a per accident bodily injury limit of $100,000, and property damage coverage for $50,000. Another option is a combined limit which combines the three limits into one amount with no separate limits for injury or property damage.

Liability coverage pays for claims such as court costs, funeral expenses and medical expenses. The amount of liability coverage you purchase is a decision to put some thought into, but you should buy as much as you can afford.

Stretch your dollar

Cheaper auto insurance can be sourced from both online companies in addition to local insurance agencies, and you need to comparison shop both to have the best chance of lowering rates. Some insurance providers may not provide rate quotes online and these regional carriers only sell through independent agents.

When you buy auto insurance online, it’s a bad idea to buy lower coverage limits just to save a few bucks. There are many occasions where drivers have reduced full coverage only to discover later that saving that couple of dollars actually costed them tens of thousands. The aim is to find the BEST coverage at an affordable rate.

To read more, link through to the following helpful articles:

Comments About 2008 Toyota Sequoia Insurance

  1. Classie Maddox

    Is State Farm cheaper than GEICO in Seattle, WA?

  2. Cheryl Wilson

    I’m from Knoxville, TN. Don’t remember every company but I ended up saving about $60 each month. Left 21st Century to switch. I have a teen driver too. Not sure about claim service.

  3. Cathi Mejia

    I think GEICO has low rates in Mississippi. For me anyway.

  4. Danuta Francis

    Cheap is relative. I live just to the west of Evansville, IN. Got quotes with USAA, American Family, Hartford, and Safeco for my 2008 Toyota Sequoia and I think I saved around $50 each month.

  5. Bea Rasmussen

    Checking in from New Orleans, LA. I got free rates from Allstate, American Family, Eastwood, and Hanover for my 2008 Toyota Sequoia and I think I saved about $40 each month. God forbid I actually have a claim.

  6. Amy Wilder

    Why are claims settled so low?

  7. Marlen Mason

    I’m in the suburbs of Owensboro, KY. Quoted quotes with GMAC, Amica, Sentry, and a couple others for my Toyota and I think I saved about $30 each month. Even increased my liability limits.

  8. Millie Nixon

    Cheaper not always better. I live in a small town just outside of Nashville, TN. Quoted with Allstate, AAA, and Encompass for my 2008 Toyota Sequoia and saved just over $210 a year. Left 21st Century to switch. I have several vehicles insured with them. Get lots of quotes to find the best rate.

  9. Brinda Colon

    Why are claims settled so low?

  10. Sharell Jimenez

    I found cheap 2008 Toyota Sequoia insurance in New York City, NY with Allstate.

  11. Mandie Page

    Does State Farm offer good discounts?

  12. Foster Anthony

    Located in Tampa, Florida. Quoted with State Farm, Erie, and The General for my Toyota and saved $389 a year.

  13. Wilda Clay

    I’ve had State Farm for years. I’m in Honolulu, HI.

  14. Livia Castro

    Anyone try to read their policy?

  15. Julianne Velazquez

    Found cheapest coverage with Hanover for my 2008 Toyota Sequoia and cut my rates about $250 a year. Left MetLife to switch. Get lots of quotes to find the best rate.

  16. Sabra Serrano

    If you don’t have tickets and live near Columbus, Georgia, check out Progressive. You might save some money.

  17. Henriette Dejesus

    I found affordable 2008 Toyota Sequoia insurance from Progressive in Madison, Wisconsin.