2014 Toyota Tacoma Insurance Quotes – 6 Savings Tips

Want the cheapest auto insurance rates for your Toyota Tacoma? Are you irritated from sacrificing to keep your car insured? You are no different than many other drivers.

Online insurance companies like State Farm and GEICO constantly blast consumers with fancy advertisements and consumers find it hard to see past the corporate glitz and find the best price available.

You should take the time to get comparison quotes once or twice a year due to the fact that insurance prices fluctuate regularly. Just because you found the lowest price for Tacoma insurance last year you can probably find a lower rate today. Forget all the misinformation about auto insurance because we’re going to show you one of the quickest ways to lower your annual insurance bill.

Lower your auto insurance rates with these six discounts

Some companies don’t necessarily list all possible discounts in a way that’s easy to find, so the below list has both well-publicized as well as some of the hidden auto insurance savings.

  • Seat Belt Usage – Requiring all passengers to use a seat belt may be able to save a few bucks off the personal injury premium cost.
  • Accident Free – Good drivers with no accidents are rewarded with significantly better rates on auto insurance quote when compared to policyholders that have many claims.
  • Passive Restraints – Cars that have air bags and/or automatic seat belt systems can get savings of 25 to 30%.
  • Responsible Drivers – Insureds who avoid accidents can save up to 40% or more on their auto insurance quote for Tacoma insurance as compared to drivers with claims.
  • Switch and Save Discount – A few auto insurance companies allow discounts for buying a new policy prior to the expiration date on your current policy. It can save you around 10%.
  • Bundle and Save – If you combine your auto and home policies and insure them both with the same insurance company you could get a discount of nearly 15% which can help you find inexpensive auto insurance.

Discounts save money, but please remember that some of the credits will not apply the the whole policy. The majority will only reduce individual premiums such as medical payments or collision. So despite the fact that it appears it’s possible to get free car insurance, auto insurance companies aren’t that generous.

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

  • American Family may offer discounts for multi-vehicle, early bird, TimeAway discount, defensive driver, bundled insurance, and Steer into Savings.
  • Farm Bureau has savings for multi-policy, 55 and retired, driver training, youthful driver, good student, multi-vehicle, and safe driver.
  • State Farm offers discounts including good student, multiple policy, Steer Clear safe driver discount, anti-theft, and accident-free.
  • Travelers has discounts for driver training, student away at school, early quote, new car, multi-car, IntelliDrive, and hybrid/electric vehicle.
  • The Hartford discounts include defensive driver, air bag, good student, anti-theft, vehicle fuel type, bundle, and driver training.
  • GEICO offers premium reductions for federal employee, military active duty, membership and employees, daytime running lights, anti-theft, five-year accident-free, and multi-vehicle.
  • Progressive may include discounts for continuous coverage, homeowner, multi-policy, online quote discount, multi-vehicle, good student, and online signing.

If you need lower rates, check with all companies you are considering to apply every possible discount. Depending on the company, some discounts might not be available to policyholders in your area.

The quickest method we recommend to get policy rate comparisons is to take advantage of the fact auto insurance companies have advanced systems to compare their rates. All consumers are required to do is provide information like what your job is, the year, make and model of vehicles, if you have an active license, and distance driven. Your rating data is submitted instantly to multiple top-rated companies and you will get price comparisons instantly to find the best rate.

To compare rates for your 2014 Toyota Tacoma now, click here and enter your zip code.

You are unique and your car insurance should be too

When buying coverage for your vehicles, there isn’t really a single plan that fits everyone. Every situation is different and your policy should reflect that. These are some specific questions might point out if your insurance needs would benefit from an agent’s advice.

  • Will my vehicle be repaired with OEM or aftermarket parts?
  • Am I covered if I hit my neighbor’s mailbox?
  • Is my 2014 Toyota Tacoma covered for flood damage?
  • If I drive on a suspended license am I covered?
  • How do I buy GAP insurance?
  • Is my dog or cat covered if injured in an accident?

If it’s difficult to answer those questions, then you may want to think about talking to a licensed agent. If you want to speak to an agent in your area, simply complete this short form or you can also visit this page to select a carrier

Learn about insurance coverages for a Toyota Tacoma

Understanding the coverages of your policy can help you determine the right coverages and proper limits and deductibles. The terms used in a policy can be ambiguous and nobody wants to actually read their policy. Shown next are typical coverage types found on the average insurance policy.

Insurance for medical payments

Medical payments and Personal Injury Protection insurance reimburse you for immediate expenses for things like nursing services, surgery, hospital visits, ambulance fees and prosthetic devices. They are often used in conjunction with a health insurance policy or if you lack health insurance entirely. It covers you and your occupants as well as if you are hit as a while walking down the street. Personal Injury Protection is only offered in select states and gives slightly broader coverage than med pay

Collision protection

Collision insurance pays to fix your vehicle from damage resulting from a collision with another vehicle or an object, but not an animal. You will need to pay your deductible and the rest of the damage will be paid by collision coverage.

Collision coverage pays for claims such as rolling your car, scraping a guard rail and colliding with another moving vehicle. Collision coverage makes up a good portion of your premium, so consider dropping it from vehicles that are 8 years or older. Drivers also have the option to raise the deductible to get cheaper collision coverage.

Uninsured Motorist or Underinsured Motorist insurance

Your UM/UIM coverage provides protection from other motorists when they either have no liability insurance or not enough. Covered claims include injuries sustained by your vehicle’s occupants and also any damage incurred to your Toyota Tacoma.

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. For this reason, having high UM/UIM coverages should not be overlooked.

Liability insurance

Liability insurance can cover damage or injury you incur to other’s property or people. It protects YOU against other people’s claims, and doesn’t cover damage to your own property or vehicle.

It consists of three limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You might see limits of 50/100/50 that means you have 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.

Liability can pay for things like medical services, legal defense fees, repair bills for other people’s vehicles and medical expenses. How much coverage you buy is a personal decision, but you should buy higher limits if possible.

Comprehensive coverage (or Other than Collision)

This coverage pays to fix your vehicle from damage OTHER than collision with another vehicle or object. You need to pay your deductible first then the remaining damage will be covered by your comprehensive coverage.

Comprehensive can pay for claims such as rock chips in glass, falling objects and a tree branch falling on your vehicle. The highest amount a insurance company will pay at claim time is the actual cash value, so if the vehicle is not worth much it’s not worth carrying full coverage.

The best insurance company isn’t always the cheapest

The cheapest 2014 Toyota Tacoma insurance is attainable on the web and from local insurance agents, and you need to price shop both to get a complete price analysis. A few companies do not offer online price quotes and many times these regional insurance providers provide coverage only through local independent agencies.

Throughout this article, we presented a lot of tips how to compare 2014 Toyota Tacoma insurance rates online. The key thing to remember is the more quotes you get, the better your comparison will be. You may even find the best rates are with a company that doesn’t do a lot of advertising. Regional companies can often provide lower car insurance rates in certain areas as compared to the big name companies such as Allstate, GEICO and Progressive.

To learn more, take a look at the resources below:

Comments About 2014 Toyota Tacoma Insurance

  1. Natalia Houston

    Is a custom audio system covered by insurance?

  2. Brigida Morin

    If you’re around Oklahoma City, OK try State Farm and GEICO and see which is cheaper.

  3. Delilah Irwin

    Compared rates with 21st Century and AAA but still pricey.

  4. Alease Ferrell

    Great site. Located in Denver, CO. Got car insurance prices from USAA, American Family, Hanover, and Sentry for my 2014 Toyota Tacoma and saved $446 a year. Left Mercury to switch. Even increased coverage a bit.

  5. Aubrey Langley

    Found cheapest coverage with Farmers for my Toyota and cut my rates about $460 a year. I get multi-vehicle and multi-policy discounts.

  6. Ashlea Ferrell

    GEICO is decent in Denver, CO.

  7. Gregorio Barrett

    Are custom wheels covered by insurance?

  8. Anne Castillo

    Just a quick comment on my experience. I live in a small town just outside of Charlotte, NC. Received quotes from Sentry, Eastwood, State Farm, and American Family for my 2014 Toyota Tacoma and I think I am saving around $30 each month. Ask about discounts. Highly recommended.