2015 Toyota Sequoia Car Insurance Cost – 8 Policy Discounts

Comparison shopping for more affordable insurance coverage can seem to be a challenge for drivers new to comparing rates online. With a ridiculous number of insurers to choose from, it can turn into a ton of work to find the lowest price.

Smart consumers take time to do price comparisons yearly because rates are rarely the same from one policy term to another. Just because you had the lowest rate on Sequoia insurance a few years ago you can probably find a lower rate today. There is a lot of bad information regarding insurance coverage on the internet, but in a few minutes you can learn some of the best ways to buy insurance coverage cheaper.

Choosing the best insurance company for you is quite easy. If you currently have car insurance, you stand a good chance to be able to reduce your rates substantially using these techniques. But drivers do need to know how big insurance companies market insurance on the web and apply this information to your search.

Low cost car insurance prices

The majority of larger companies like GEICO, State Farm and Progressive allow you to get coverage price quotes on their websites. Comparing rates online is fairly straightforward because it’s just a matter of typing in your coverage information on the page. When the form is submitted, the company’s rating system requests your driving record and credit report and quotes a price based on these and other factors.

This makes comparing rates easy, but having to visit multiple sites and type in your information is a big time waster. But it’s very important to get many rate quotes if you want to find the lowest price.

A more efficient way to lower your car insurance bill requires only one form that analyzes rates from a lot of companies. It saves time, requires much less work on your part, and makes online shopping a little more enjoyable. After sending your information, it gets priced and you are able to buy any one of the quotes that you receive. If you find a better price you can simply submit the application and purchase coverage. The whole process just takes a couple of minutes and you will know how your current rates stack up.

To save time and find out how much you can save on car insurance, click here to open in a new tab and submit your coverage information. If you have coverage now, it’s recommended that you enter deductibles and limits exactly as they are listed on your policy. This helps ensure you will have a rate comparison based on identical coverages.

Get lower-cost insurance coverage with discounts

Not many people think insurance is cheap, but there are discounts available that may help make it more affordable. Some discounts apply automatically when you quote, but less common discounts must be inquired about before they will apply. If you check and find you aren’t receiving every discount you qualify for, you could be paying more than you need to.

  • College Student Discount – Kids who live away from home to go to college and leave their car at home may qualify for this discount.
  • E-sign – A few larger online companies provide a small discount just for signing your application over the internet.
  • Accident Forgiveness Coverage – This isn’t a discount exactly, but some insurance companies permit an accident without the usual rate increase so long as you are claim-free before the accident.
  • Safe Drivers – Drivers who don’t get into accidents can pay as much as 50% less on Sequoia insurance than less cautious drivers.
  • Anti-theft Discount – Cars and trucks with anti-theft systems are stolen less frequently and will qualify for a discount on a insurance quote.
  • Defensive Driver – Successfully completing a course teaching defensive driver skills could earn you a small percentage discount if your company offers it.
  • Life Insurance Discount – Insurance carriers who offer life insurance give a lower premium rate if you buy life insurance.
  • Sign Early and Save – A few insurance companies give discounts for buying a policy prior to your current policy expiration. It can save you around 10%.

It’s important to understand that most of the big mark downs will not be given to all coverage premiums. Most cut the cost of specific coverages such as physical damage coverage or medical payments. Even though it may seem like adding up those discounts means a free policy, you won’t be that lucky.

To choose insurance companies who offer online insurance coverage quotes, click here to view.

Tailor your car insurance coverage to you

When choosing the right insurance coverage, there is no one size fits all plan. Every insured’s situation is different.

Here are some questions about coverages that might point out if you would benefit from professional advice.

  • How can I force my company to pay a claim?
  • Should I get collision insurance on every vehicle?
  • How does medical payments coverage work?
  • Am I covered by my employer’s commercial auto policy when driving my personal car for business?
  • Why does it cost so much to insure a teen driver?
  • Why do I only qualify for high-risk insurance?
  • How do I buy GAP insurance?

If it’s difficult to answer those questions but you know they apply to you, you might consider talking to an insurance agent. If you want to speak to an agent in your area, complete this form.

Auto insurance policy specifics

Understanding the coverages of your auto insurance policy can help you determine the best coverages and the correct deductibles and limits. Policy terminology can be difficult to understand and even agents have difficulty translating policy wording.

Med pay and Personal Injury Protection (PIP) – Personal Injury Protection (PIP) and medical payments coverage kick in for short-term medical expenses like doctor visits, surgery, X-ray expenses and funeral costs. They are used to fill the gap from your health insurance plan or if there is no health insurance coverage. Coverage applies to all vehicle occupants and will also cover being hit by a car walking across the street. Personal injury protection coverage is not available in all states and may carry a deductible

Uninsured/Underinsured Motorist (UM/UIM) – This coverage protects you and your vehicle’s occupants from other drivers when they are uninsured or don’t have enough coverage. Covered losses include medical payments for you and your occupants as well as your vehicle’s damage.

Since a lot of drivers only carry the minimum required liability limits, their limits can quickly be used up. So UM/UIM coverage should not be overlooked.

Comprehensive insurance – Comprehensive insurance coverage will pay to fix damage OTHER than collision with another vehicle or object. You first have to pay a deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage protects against things like vandalism, hitting a bird and falling objects. The maximum payout a auto insurance company will pay at claim time is the ACV or actual cash value, so if your deductible is as high as the vehicle’s value it’s probably time to drop comprehensive insurance.

Collision – Collision insurance covers damage to your Sequoia resulting from colliding with another vehicle or an object, but not an animal. A deductible applies then your collision coverage will kick in.

Collision coverage protects against things like backing into a parked car, scraping a guard rail, crashing into a ditch and damaging your car on a curb. Paying for collision coverage can be pricey, so you might think about dropping it from lower value vehicles. Drivers also have the option to raise the deductible to save money on collision insurance.

Liability coverages – Liability insurance provides protection from damage or injury you incur to other people or property in an accident. It protects YOU from claims by other people, and doesn’t cover your own vehicle damage or injuries.

Liability coverage has three limits: bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. Your policy might show values of 25/50/25 that translate to a limit of $25,000 per injured person, a total of $50,000 of bodily injury coverage per accident, and a total limit of $25,000 for damage to vehicles and property.

Liability coverage protects against things such as repair costs for stationary objects, structural damage and attorney fees. The amount of liability coverage you purchase is a decision to put some thought into, but buy as high a limit as you can afford.

Comments About 2015 Toyota Sequoia Insurance

  1. Brooks Martinez

    Here’s my quote info. Quoted with Eastwood for my 2015 Toyota Sequoia and am saving around $460 a year. They offer free online rate quotes.

  2. Evelia Slater

    It all costs too much. I’m just north of Oklahoma City, OK. I don’t recall every quote but I ended up saving about $50 each month. Even increased coverage a bit.

  3. Ethelene Little

    Cheaper not always better. Found cheapest coverage with American Family for my Toyota and saved around $430 a year. Ask about discounts. It never hurts to quote around.

  4. Nichole Bolton

    Great info, thanks for posting. I’m in Jersey City, New Jersey. Received prices from Auto-Owners, Mercury, and Western Auto Insurance for my 2015 Toyota Sequoia and saved about $550 a year. Moved home policy as well.

  5. Peter Becker

    What is comprehensive coverage?

  6. Shanae Whitaker

    Anyone buy from AAA? I’m in New Orleans, LA.

  7. Leisa Harrington

    From Fort Smith, AR. Got car insurance rates from Progressive, AIG Insurance, Eastwood, and Hanover for my Toyota and cut my rates about $460 a year. I have kids on my policy, too.

  8. Rubye Gross

    Lots of good stuff here. Live in the eastern part of Burlington, VT. Went online for free insurance quotes for a 2015 Toyota Sequoia. Ended up at about $380 savings annually. Went with Allstate. Insured with Hanover before. Good savings if you bundle.

  9. Robbie Knight

    If you have a good history and live around Anchorage, AK, check out State Farm. They seem to be cheaper. Left Allstate to switch. Switched homeowners coverage too.

  10. Quiana Craft

    I live east of Fayetteville, AR, and 21st Century rates were best. Have a couple speeding tickets too.

  11. Lizabeth Boyd

    Compared rates with Progressive and AIG Insurance but still pricey.