How Much Does 2013 Toyota Tundra Insurance Cost?

Having to pay for high-priced car insurance can stress out your funds and force you to cut corners elsewhere. Due to the increasing number of options, it’s nearly impossible to find the most affordable car insurance provider.

Low cost insurance coverage prices

There are several ways to compare insurance coverage prices but some are less time-consuming than others. You could waste time talking about coverages with agents in your area, or you can utilize the internet to achieve your goal.

Most of the best insurance companies take part in a program where insurance shoppers only type in their quote data once, and at least one company can give them a price for coverage. This prevents consumers from doing quote requests to each individual insurance coverage company. To find out what other companies charge click here to start a free quote.

The single downside to doing it this way is that you can’t choose which companies you want to price. If you would rather choose individual companies to request quotes from, we have a page of low cost insurance coverage companies in your area. Click here to view list.

Whichever way you use, double check that you are using the same coverages on every quote you get. If you have different liability limits it will be very difficult to truly determine the lowest rate.

Auto insurance discounts are available to cut your rates

Some providers don’t always list every possible discount in a way that’s easy to find, so the below list has both the well known as well as the least known credits available to bring down your rates.

  • 55 and Retired – Seniors can get reduced rates on Tundra insurance.
  • Good Drivers – Safe drivers can pay as much as 50% less on Tundra insurance compared to rates paid by drivers with frequent claims.
  • Multiple Vehicles – Drivers who insure more than one vehicle on the same auto insurance policy can get a discount for every vehicle.
  • Bundled Policy Discount – When you have multiple policies with the same insurance company you could earn a discount of at least 10 to 15 percent or more.
  • Telematics Discount – Drivers that enable data collection to analyze where and when they drive remotely such as Snapshot from Progressive or Drivewise from Allstate could possibly reduce rates as long as they are good drivers.
  • Homeowners Savings – Just being a homeowner can get you a discount because it requires a higher level of personal finance.
  • Discounts for Government Workers – Federal government employees may reduce rates when you quote insurance coverage on Tundra insurance depending on your company.
  • Accident Free – Insureds with no claims or accidents pay much less when compared with drivers who are more careless.
  • Theft Deterent System – Anti-theft and alarm system equipped vehicles prevent vehicle theft and qualify for as much as a 10% discount.
  • Student Driver Training – Reduce the cost of insurance for teen drivers by having them take driver’s ed class as it can save substantially.

While discounts sound great, it’s important to understand that most discount credits are not given to the entire cost. Most only apply to the cost of specific coverages such as liability, collision or medical payments. If you do the math and it seems like having all the discounts means you get insurance for free, it just doesn’t work that way.

Large auto insurance companies and some of the premium reductions they offer are outlined below.

  • American Family offers premium reductions for accident-free, defensive driver, bundled insurance, multi-vehicle, and Steer into Savings.
  • Farm Bureau has savings for multi-vehicle, good student, driver training, safe driver, renewal discount, and multi-policy.
  • State Farm may have discounts that include safe vehicle, multiple policy, anti-theft, defensive driving training, good driver, and student away at school.
  • Travelers policyholders can earn discounts including continuous insurance, good student, new car, home ownership, driver training, early quote, and save driver.
  • The Hartford has discounts for driver training, defensive driver, air bag, bundle, and anti-theft.
  • GEICO may include discounts for multi-policy, multi-vehicle, air bags, anti-theft, membership and employees, military active duty, and federal employee.
  • Progressive offers discounts for continuous coverage, online quote discount, homeowner, good student, multi-vehicle, multi-policy, and online signing.

If you want cheap insurance coverage quotes, ask all the companies which discounts can lower your rates. A few discounts might not be available to policyholders in every state.

Smart consumers save on insurance

A large part of saving on auto insurance is knowing a few of the rating criteria that help calculate the level of your policy premiums. If you know what determines premiums, this empowers consumers to make smart changes that could help you find lower rates.

  • Gender and auto insurance premiums – Over the last 30 years, statistics show that men are more aggressive behind the wheel. That doesn’t necessarily mean that men are worse drivers. Females and males have at-fault accidents at a similar rate, but the males have costlier accidents. Not only are claims higher, but men have more aggressive citations like DWI (DUI) or reckless driving. Young men ages 16 to 20 tend to get in the most accidents so they pay the highest premiums.
  • Little extras can really add up – There are a ton of extra coverages that can add up if you aren’t careful. Insurance for vanishing deductibles, accident forgiveness, and additional equipment coverage are probably not needed. They may seem good when you first buy your policy, but your needs may have changed so remove them and pocket the money.
  • Bundle policies with the same company – Lots of insurers give a discount for people that have more than one policy. It’s known as a multi-policy discount. If you currently are using one company, consumers should still comparison shop to make sure you are getting the best deal.
  • Protect yourself with liability – Your auto insurance policy’s liability coverage will provide protection if you are responsible for causing personal injury or damage in an accident. Liability provides you with a defense in court which can cost thousands of dollars. Liability is cheap as compared to coverage for physical damage, so insureds should have plenty of protection for their assets.
  • Responsible credit saves on auto insurance – Having a bad credit rating is a large factor in determining premium rates. Drivers with high credit scores tend to file fewer claims than drivers with lower credit ratings. Therefore, if your credit can use some improvement, you could pay less to insure your 2013 Toyota Tundra if you clean up your credit.
  • Your spouse saves you money – Being married may earn you lower rates on your auto insurance bill. Having a spouse generally demonstrates drivers are more mature and statistics prove married drivers get in fewer accidents.
  • Theft deterrents save – Purchasing a vehicle with advanced anti-theft systems can help lower your premiums. Advanced theft deterrents like LoJack tracking devices, vehicle tamper alarm systems or GM’s OnStar system all help prevent your car from being stolen.

Everyone needs different auto insurance coverages

When it comes to choosing the right insurance coverage, there really is no “perfect” insurance plan. Coverage needs to be tailored to your specific needs so your insurance needs to address that. For instance, these questions might help in determining if your insurance needs might need an agent’s assistance.

  • Do I need higher collision deductibles?
  • Does my insurance cover damage caused when ticketed for reckless driving?
  • Which companies will insure high-risk drivers?
  • Does my liability insurance cover pulling a trailer or camper?
  • Does coverage extend to Mexico or Canada?
  • Why do I only qualify for high-risk insurance?
  • Does my car insurance cover rental cars?

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, take a second and complete this form or you can go here for a list of companies in your area. It’s fast, doesn’t cost anything and may give you better protection.

The insurance coverage bait and switch

Consumers can’t escape the ads for cheaper insurance coverage by companies like Allstate, GEICO and Progressive. All the companies advertise the message that you’ll save big just by switching your insurance coverage coverage to their company.

That’s great but how can every company say the same thing? It’s all in how they say it.

Insurance companies have specific criteria for the type of customer that will not have excessive claims. One example of this type of driver could be between the ages of 30 and 45, has never had a policy lapse, and does not commute to work. Anyone who matches that profile is entitled to the best price and will also save a lot if they switch.

Consumers who fall outside these criteria may be forced to pay higher premiums which leads to the customer buying from someone else. The wording the ads use say “customers that switch” not “everyone who quotes” save that much when switching. That is how insurance companies can make those statements. Each company has different criteria, so drivers must quote coverage with many companies. It is just not possible to predict which company will be your best fit.

Learn about insurance coverages for a Toyota Tundra

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 confusing and reading a policy is terribly boring. Shown next are typical coverage types offered by insurance companies.

Coverage for uninsured or underinsured drivers

This coverage provides protection from other motorists when they either are underinsured or have no liability coverage at all. It can pay for medical payments for you and your occupants as well as damage to your 2013 Toyota Tundra.

Due to the fact that many drivers have only the minimum liability required by law, it doesn’t take a major accident to exceed their coverage limits. So UM/UIM coverage should not be overlooked.

Liability insurance

This provides protection from damage or injury you incur to people or other property. This coverage protects you from legal claims by others, and does not provide coverage for damage to your own property or vehicle.

Liability coverage has three limits: bodily injury per person, bodily injury per accident and property damage. As an example, you may have liability limits of 50/100/50 which stand for $50,000 in coverage for each person’s injuries, a total of $100,000 of bodily injury coverage per accident, and $50,000 of coverage for damaged propery.

Liability insurance covers claims like legal defense fees, court costs, structural damage, loss of income and funeral expenses. How much liability should you purchase? That is up to you, but buy as much as you can afford.

Collision protection

This coverage pays to fix your vehicle from damage resulting from colliding with a stationary object or other vehicle. You have to pay a deductible then the remaining damage will be paid by your insurance company.

Collision can pay for things such as sustaining damage from a pot hole, rolling your car, crashing into a building and scraping a guard rail. Paying for collision coverage can be pricey, so you might think about dropping it from older vehicles. It’s also possible to raise the deductible to bring the cost down.

Coverage for medical expenses

Medical payments and Personal Injury Protection insurance kick in for short-term medical expenses such as EMT expenses, hospital visits, surgery and pain medications. They are used in conjunction with a health insurance policy or if you lack health insurance entirely. Coverage applies to you and your occupants and also covers any family member struck as a pedestrian. Personal Injury Protection is only offered in select states but can be used in place of medical payments coverage

Comprehensive insurance

This will pay to fix damage from a wide range of events other than collision. A deductible will apply then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage protects against claims such as vandalism, damage from getting keyed, hitting a deer and theft. The highest amount you’ll receive from a claim is the ACV or actual cash value, so if your deductible is as high as the vehicle’s value it’s not worth carrying full coverage.

Best coverage at the best price

Lower-priced 2013 Toyota Tundra insurance is attainable online in addition to many insurance agents, and you should be comparing both to get a complete price analysis. Some companies may not have rates over the internet and many times these regional insurance providers provide coverage only through independent insurance agencies.

As you shop your coverage around, you should never reduce coverage to reduce premium. There are many occasions where consumers will sacrifice full coverage and found out when filing a claim that the savings was not a smart move. Your strategy should be to buy enough coverage at a price you can afford, but don’t skip important coverages to save money.

We’ve covered some good ideas how you can shop for 2013 Toyota Tundra insurance online. The key concept to understand is the more rate comparisons you have, the more likely it is that you will get a better rate. Consumers could even find that the lowest priced car insurance comes from a lesser-known regional company. They often have lower prices on specific markets than the large multi-state companies such as State Farm or Progressive.

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Comments About 2013 Toyota Tundra Insurance

  1. Athena Davidson

    I live south of Burlington, VT. I quoted with Auto-Owners, Encompass, and Nationwide for my 2013 Toyota Tundra and am saving around $380 a year. Ask about discounts.

  2. Sunni Walsh

    Affordable car insurance is a myth. I’m from San Diego, CA. Quoted with Allstate, Liberty Mutual, and Farmers for my Toyota and I’m now saving $53 a month. Was with Travelers. God forbid I actually have a claim.

  3. Jenell Richards

    I’m in the south part of Houston, TX. Received prices from Allstate, American Family, Erie, and Hartford for my Tundra and cut my rates about $460 a year. Good multi-policy discounts. They were helpful in switching over.

  4. Edgar Dean

    If you don’t have tickets and live near Salt Lake City, UT, check out Allstate. You might get cheaper rates. Was with Allstate. I quoted rates online then called them.

  5. Marcelle Fernandez

    Just my two cents. Got a quote with Encompass for my 2013 Toyota Tundra and cut my rates about $160 a year. Ask about discounts. They have free quotes online.

  6. Tasha Faulkner

    From a town just southwest of Henderson, NV. Compared rates from a lot of places. Saved roughly $30 a month. State Farm was the best choice for me. Was with Sentry. I got a quote from their website.

  7. Ashli Fletcher

    Good site, thanks. Proud to be from Salem, OR. Got free quotes online for a 2013 Toyota Tundra. Ended up at about $480 savings annually. Went with GEICO. I increased coverages a little too. I used their website to get prices.

  8. Mathew Fry

    I live just outside Henderson, NV. Quoted with Allstate, AAA, and some I forget for my 2013 Toyota Tundra and saved $143 a year. Have an at-fault accident tho. It’s still not cheap enough.

  9. Darleen Best

    IT’S ALL TOO EXPENSIVE! I live west of Albuquerque, New Mexico. I don’t recall every quote but I ended up saving about $60 each month.

  10. Hassan Taylor

    I’m in the north part of Atlanta, GA. I compared lots of rates. Saved right around $20 a month. GEICO was the most affordable for me.

  11. Shaunna Campos

    Does Nevada require liability coverage?

  12. Tameka Oneal

    If you’re a decent driver and live around Baton Rouge, LA, check out Progressive. You might get cheaper rates.

  13. Marlon Valenzuela

    Great site. I’m just south of Philadelphia, PA. Quoted quotes from Allstate, American Family, Esurance, and Liberty Mutual for my 2013 Toyota Tundra and I think I cut my rates about $40 each month.

  14. Danyel Anderson

    Is State Farm cheap in Gaithersburg, MD?