Lower Your 2008 Toyota Tundra Car Insurance Rates

Want the cheapest insurance rates for your Toyota Tundra? Have you finally had enough of sacrificing to pay your insurance bill each month? You’re in the same situation as many other drivers.

Insurance companies such as Geico, 21st Century and Progressive all promote huge savings with fancy advertisements and consumers find it hard to see past the geckos and flying pigs and do the work needed to find the best deal.

How to buy insurance coverage

Most larger insurance companies make it easy to get insurance quotes on their websites. Getting online rates is fairly straightforward because you just enter your personal and coverage information as requested by the quote form. When the form is submitted, their system requests your credit score and driving record and returns a price based on the data you entered. Being able to quote online makes it simple to compare prices but the process of having to visit each company’s website and repetitively type in the same information is a big time waster. But it’s also necessary to perform this step in order to find a better rate.

A more efficient way to compare insurance coverage pricing uses one simple form to obtain quotes from several companies at one time. It saves time, requires less work, and makes price shopping online much more efficient. After sending the form, it is quoted and you can choose any one of the returned quotes.

If the quotes result in lower rates, you simply finish the application and purchase the new policy. The entire process just takes a couple of minutes and you’ll know if lower rates are available.

To get comparison pricing now, simply click here to open in new window and input your coverage information. If you currently have coverage, we recommend you enter your coverages just like they are on your policy. This makes sure you will be getting comparison quotes for exact coverage.

Slash your insurance rates with discounts

Car insurance is not cheap, but companies offer discounts that can drop the cost substantially. Some discounts apply automatically at the time you complete a quote, but a few must be asked for prior to receiving the credit.

• Low Miles Discount – Fewer annual miles on your Toyota can qualify you for lower prices on the low mileage vehicles.
• Government Employee Discount – Active or former government employment could cut as much as 10% off on Tundra insurance depending on your company.
• Accident-Free Discounts – Drivers who don’t have accidents pay less as opposed to frequent claim filers.
• Drivers Ed for Students – Teen drivers should complete a driver education course as it can save substantially.
• Paperwork-free – Some of the larger companies will give a small break shop auto insurance online.
• Braking Control Discount – Cars and trucks equipped with ABS or steering control can reduce accidents so companies give up to a 10% discount.
• Telematics Data – Policyholders that allow their insurance company to analyze driving habits by using a telematics device in their vehicle such as Progressive’s Snapshot and State Farm’s In-Drive may get a rate reduction if they exhibit good driving behavior.
• Mature Driver Discount – Drivers that qualify as senior citizens may be able to get lower premium rates on Tundra insurance.
• Switch and Save Discount – Some companies give discounts for signing up before your current expiration date. It can save you around 10%.
• Service Members Pay Less – Having a deployed family member may lower your insurance rates slightly.

It’s important to understand that most discounts do not apply to the entire policy premium. The majority will only reduce individual premiums such as comprehensive or collision. Just because you may think it’s possible to get free car insurance, it’s just not the way it works.

A few of the larger companies and their offered discounts are:

• Mercury Insurance may include discounts for type of vehicle, multi-policy, low natural disaster claims, multi-car, annual mileage, and anti-theft.
• Farmers Insurance may offer discounts for early shopping, teen driver, electronic funds transfer, bundle discounts, mature driver, multi-car, and distant student.
• Farm Bureau offers discounts for multi-policy, good student, 55 and retired, multi-vehicle, youthful driver, safe driver, and driver training.
• State Farm has savings for multiple autos, Drive Safe & Save, safe vehicle, anti-theft, Steer Clear safe driver discount, defensive driving training, and multiple policy.
• Allstate offers discounts including teenSMART discount, premier discount, FullPay discount, 55 and retired, new car, EZ pay plan discount, and premier plus.
• Geico policyholders can earn discounts including anti-lock brakes, membership and employees, five-year accident-free, driver training, daytime running lights, good student, and multi-policy.

When quoting, ask every company the best way to save money. Some credits may not be offered in your area. To see insurance companies that have a full spectrum of discounts, follow this link.

You are unique and your insurance coverage should be too

When it comes to buying coverage, there isn’t really a one size fits all plan. Everyone’s needs are different and a cookie cutter policy won’t apply. Here are some questions about coverages that can aid in determining whether your personal situation may require specific advice.

• Is my teen driver covered when they drive my company car?
• What can I do if my company denied a claim?
• Is pleasure use cheaper than using my 2008 Toyota Tundra to commute?
• Can I rent a car in Mexico?
• How much can I save by bundling my policies?
• What exactly is covered by my policy?

If you don’t know the answers to these questions then you might want to talk to an agent. To find an agent in your area, fill out this quick form or click here for a list of insurance coverage companies in your area.

Insurance policy specifics

Learning about specific coverages of a insurance policy aids in choosing the right coverages and proper limits and deductibles. Insurance terms can be confusing and nobody wants to actually read their policy. These are the usual coverages found on the average insurance policy.

Coverage for medical payments – Personal Injury Protection (PIP) and medical payments coverage reimburse you for bills such as pain medications, chiropractic care and prosthetic devices. They are utilized in addition to your health insurance program or if you do not have health coverage. They cover 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 but it provides additional coverages not offered by medical payments coverage

Uninsured and underinsured coverage – This coverage gives you protection from other motorists when they are uninsured or don’t have enough coverage. This coverage pays for medical payments for you and your occupants as well as damage to your 2008 Toyota Tundra.

Due to the fact that many drivers have only the minimum liability required by law, it only takes a small accident to exceed their coverage. So UM/UIM coverage is a good idea. Most of the time your uninsured/underinsured motorist coverages are identical to your policy’s liability coverage.

Collision coverages – This coverage pays to fix your vehicle from damage resulting from a collision with an object or car. You first must pay a deductible and then insurance will cover the remainder.

Collision can pay for things like backing into a parked car, hitting a mailbox, damaging your car on a curb, 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. Drivers also have the option to choose a higher deductible in order to get cheaper collision rates.

Liability coverages – Liability insurance can cover damages or injuries you inflict on people or other property by causing an accident. This coverage protects you against other people’s claims, and does not provide coverage for your injuries or vehicle damage.

Liability coverage has three limits: bodily injury per person, bodily injury per accident and property damage. You commonly see policy limits of 50/100/50 which means a limit of $50,000 per injured person, a per accident bodily injury limit of $100,000, and $50,000 of coverage for damaged propery. Another option is a combined single limit or CSL which provides one coverage limit and claims can be made without the split limit restrictions.

Liability coverage protects against things such as structural damage, medical expenses, repair costs for stationary objects and bail bonds. How much coverage you buy is a personal decision, but it’s cheap coverage so purchase as large an amount as possible.

Comprehensive coverages – This coverage pays to fix your vehicle from damage from a wide range of events other than collision. You need to pay your deductible first then your comprehensive coverage will pay.

Comprehensive can pay for things like hitting a deer, a broken windshield, damage from a tornado or hurricane and hail damage. The maximum amount a insurance company will pay at claim time is the market value of your vehicle, so if the vehicle’s value is low consider dropping full coverage.