Lower Your 2010 Toyota Tacoma Insurance Rates

Looking for lower car insurance rates for your Toyota Tacoma? When trying to find lower-cost insurance, are you overwhelmed by the number of car insurance companies? Lot’s of other drivers are too. vehicle owners have such a vast assortment of companies available that it can easily become a difficult mission to lower your car insurance rates.

If you are paying for car insurance now, you stand a good chance to be able to save some money using these methods. Pricing the cheapest coverage is not that difficult. Although drivers can benefit by having an understanding of how companies compete online and take advantage of how the system works.

How to get affordable insurance

Comparing insurance rates can be a daunting task if you don’t know the easiest way. You could spend the better part of a day discussing policy coverages with local insurance agents in your area, or you could use online quotes for quick rates.

Most of the larger companies take part in a program that enables customers to submit one quote, and every company then returns a price quote based on the submitted data. This system prevents you from having to do repetitive form submissions for each company you want a rate for.

To fill out one form to compare multiple rates now click here to open in new window.

The one downside to comparing rates this way is you cannot specify which insurance companies you want pricing from. If you wish to select specific providers to compare prices, we have assembled a list of insurance companies in your area. Click here for list of insurance companies.

Take whichever approach you prefer, but try to use the same coverages for each price quote. If the quotes have unequal deductibles or liability limits it’s impossible to determine the best price for your Toyota Tacoma. Slightly different insurance coverages may result in a large different in cost. Just keep in mind that comparing more quotes will enable you to find the best price. Not every company does rate quotes online, so it’s important to also get price estimates from the smaller companies as well.

More discounts mean lower-cost premiums

Buying insurance is not cheap, but there are discounts available that you may not even be aware of. Many discounts should be triggered when you get a quote, but a few must be inquired about in order for you to get them.

  • Multi-car Discount – Buying insurance for multiple cars with the same company can get a discount on all vehicles.
  • Discount for Multiple Policies – When you combine your auto and homeowners insurance with the same company you may save 10% to 20% off each policy.
  • Low Miles Discount – Low annual miles could earn discounted premium rates on garaged vehicles.
  • Discount for Passive Restraints – Factory options such as air bags or automatic seat belts may earn rate discounts of 20 to 30 percent.
  • Driver Training Discounts – Successfully completing a class that teaches driver safety techniques could cut 5% off your bill if you qualify.
  • No Claims – Drivers who stay claim-free have much lower rates compared to insureds who have frequent claims or accidents.
  • Senior Citizen Discount – Drivers over the age of 55 can possibly qualify for better insurance rates for Tacoma insurance.
  • Save with a New Car – Putting insurance on a new car can save you some money because newer vehicles keep occupants safer.
  • Discount for Good Grades – Performing well in school could provide a savings of up to 20% or more. The discount lasts up to age 25.

It’s important to understand that most of the big mark downs will not be given to the overall cost of the policy. Some only reduce specific coverage prices like collision or personal injury protection. Even though it appears adding up those discounts means a free policy, you aren’t that lucky.

A few popular companies and the discounts they provide include:

  • State Farm has savings for Drive Safe & Save, multiple policy, anti-theft, multiple autos, driver’s education, and good student.
  • GEICO offers premium reductions for daytime running lights, driver training, multi-vehicle, membership and employees, and good student.
  • SAFECO may have discounts that include teen safe driver, anti-lock brakes, safe driver, drive less, homeowner, and teen safety rewards.
  • Farmers Insurance has discounts for alternative fuel, teen driver, homeowner, bundle discounts, electronic funds transfer, pay in full, and mature driver.
  • AAA policyholders can earn discounts including anti-theft, AAA membership discount, education and occupation, multi-policy, good driver, and pay-in-full.
  • USAA offers discounts for new vehicle, loyalty savings, driver training, good student, safe driver, and defensive driver.

If you want cheaper insurance quotes, ask all the companies to apply every possible discount. Savings may not be available everywhere. If you would like to see a list of insurance companies that have a full spectrum of discounts, click this link.

It’s not one size fits all

When choosing proper insurance coverage for your personal vehicles, there really is no perfect coverage plan. Every situation is different.

For example, these questions might point out if you might need an agent’s assistance.

  • What exactly is covered by my policy?
  • Should I buy additional glass protection?
  • Is my dog or cat covered if injured in an accident?
  • Do I benefit by insuring my home with the same company?
  • Do I need more liability coverage?
  • Am I covered if I crash into my own garage door?
  • Do I need higher collision deductibles?
  • How high should my uninsured/underinsured coverage be in my state?
  • Do I need medical payments coverage since I have good health insurance?

If you’re not sure about those questions but a few of them apply, you might consider talking to a licensed insurance agent. If you want to speak to an agent in your area, fill out this quick form.

Auto insurance 101

Having a good grasp of your auto insurance policy can be of help when determining the best coverages at the best deductibles and correct limits. Auto insurance terms can be ambiguous and coverage can change by endorsement.

Medical payments coverage and PIP – Medical payments and Personal Injury Protection insurance pay for expenses for hospital visits, chiropractic care and rehabilitation expenses. The coverages can be utilized in addition to your health insurance policy or if you lack health insurance entirely. Coverage applies to not only the driver but also the vehicle occupants as well as being hit by a car walking across the street. Personal injury protection coverage is only offered in select states but can be used in place of medical payments coverage

Comprehensive coverage – This pays to fix your vehicle from damage from a wide range of events other than collision. You first must pay your deductible and then insurance will cover the rest of the damage.

Comprehensive insurance covers things such as a broken windshield, hitting a bird, rock chips in glass, falling objects and vandalism. The maximum payout you’ll receive from a claim is the cash value of the vehicle, so if it’s not worth much more than your deductible it’s probably time to drop comprehensive insurance.

Liability car insurance – Liability insurance protects you from damage or injury you incur to other’s property or people by causing an accident. It protects YOU from legal claims by others, and doesn’t cover damage to your own property or vehicle.

Split limit liability has three limits of coverage: bodily injury per person, bodily injury per accident and property damage. You might see limits of 100/300/100 that translate to a limit of $100,000 per injured person, a limit of $300,000 in injury protection per accident, and $100,000 of coverage for damaged propery.

Liability insurance covers claims such as pain and suffering, medical services and loss of income. How much coverage you buy is up to you, but you should buy as high a limit as you can afford.

Collision coverages – Collision coverage will pay to fix damage to your Tacoma caused by collision with a stationary object or other vehicle. A deductible applies and then insurance will cover the remainder.

Collision coverage protects against claims like hitting a parking meter, crashing into a building and scraping a guard rail. Collision coverage makes up a good portion of your premium, so consider removing coverage from vehicles that are 8 years or older. Another option is to bump up the deductible to bring the cost down.

Uninsured/Underinsured Motorist coverage – Uninsured or Underinsured Motorist coverage protects you and your vehicle when other motorists either are underinsured or have no liability coverage at all. Covered losses include injuries to you and your family as well as damage to your Toyota Tacoma.

Since many drivers only carry the minimum required liability limits, their limits can quickly be used up. That’s why carrying high Uninsured/Underinsured Motorist coverage should not be overlooked.

Comments About 2010 Toyota Tacoma Insurance

  1. Illa House

    Here’s what I found out. Found cheapest coverage with State Farm for my 2010 Toyota Tacoma and saved around $420 a year. Moved home policy as well.

  2. Liza Nelson

    Thought I’d throw in my experience. Live in Overland Park, Kansas. Got free quotes online for a 2010 Toyota Tacoma. Ended up at about $500 savings annually. Went with GEICO. Left MetLife to switch. Get lots of quotes to find the best rate.

  3. Mario Ferrell

    I live on the west side of Madison, WI, and GEICO rates were best. Left Amica to switch.

  4. Elwanda Simmons

    I’m from Kansas City, Kansas. Got car insurance prices from Sentry, Erie, GEICO, and Auto-Owners for my 2010 Toyota Tacoma and I think I saved around $40 each month. A clean driving record helps.

  5. Laveta Stokes

    This is too expensive. Located in Anchorage, Alaska. Quoted with Progressive, AAA, Esurance, and The General for my Tacoma and am saving around $230 a year. Have an at-fault accident tho. It never hurts to quote around.

  6. Melissa Nunez

    Is 21st Century cheaper than American Family in Honolulu, Hawaii?

  7. Angelo Whitley

    Where is cheaper car insurance? I live on the east side of Grand Forks, ND. Got car insurance quotes from State Farm, The General, and Farmers for my Tacoma and saved $242 a year. Bought it from an online quote.

  8. Lester Madden

    I’m in Cranston, Rhode Island, and Progressive rates were affordable. Wish I didn’t have to insure at all.

  9. Hong Cain

    Good site, thanks. From a town just southwest of Des Moines, Iowa. Compared rates from a lot of places. Saved roughly $30 a month. 21st Century was the cheapest option for me.

  10. Hana Padilla

    If you’re a decent driver and live in the vicinity of Chicago, IL, check out Progressive. You might save some money.

  11. Williams Merrill

    Enjoyed the article. From Montgomery, AL. Got free quotes online for a 2010 Toyota Tacoma. Ended up at about $440 savings annually. Went with Progressive. Left Mercury to switch. Even increased my liability limits.

  12. Wava Norman

    I can’t pay high rates. From northwest of Lexington, Kentucky. I got free prices from Amica, MetLife, and Western Auto Insurance for my Toyota and saved just over $210 a year. Insured with 21st Century before.

  13. Kam Hunter

    Just my two cents. I live east of Colorado Springs, Colorado. Got free quotes online for a 2010 Toyota Tacoma. Ended up at about $430 savings annually. Went with Allstate.