2016 Toyota Tacoma Insurance Quotes – 9 Tips to Save

Looking for lower insurance coverage rates for your Toyota Tacoma? Have you fallen victim to an overpriced insurance coverage policy? It’s a common feeling and many consumers are in the same pinch.

Popular companies such as State Farm, Farmers Insurance, Geico and Allstate continually bombard you with advertising and it is difficult to not get sucked in by the cute commercials and take the time to shop coverage around.

If you currently have a car insurance policy, you stand a good chance to be able to save some money using these methods. Finding affordable coverage is not that difficult. Although car owners should learn how the larger insurance companies determine prices and take advantage of how the system works.

How much is car insurance?

Comparing car insurance rates is a ton of work if you don’t know the most efficient way. You could waste a few hours driving to local insurance agents in your area, or you could save time and use the internet to achieve your goal.

Many companies enroll in a system that allows shoppers to submit their information once, and each company then gives them pricing for coverage. This eliminates the need for quotation requests to each company.

To use this form to compare rates click to open in new window.

The only drawback to pricing coverage this way is that you can’t choose which companies to get pricing from. If you would rather choose from a list of companies to request quotes from, we put together a list of car insurance companies in your area. Click here for list of insurance companies.

It doesn’t matter which method you choose, just try to use nearly identical coverage limits for each price quote. If you use mixed coverages it will be impossible to make an equal comparison. Just a small difference in insurance coverages or limits could throw off the whole comparison. And when price shopping your coverage, comparing all the rates in your area helps increase your odds of locating more affordable insurance. Not every company allows you to get rate quotes online, so it’s recommended that you also compare price estimates from those companies as well.

Lower-cost insurance coverage quotes with discounts

Insurance can be prohibitively expensive, but you may find discounts that you may not even know about. Most are applied at the time of quoting, but some may not be applied and must be asked for prior to getting the savings. If you check and find you aren’t receiving every discount possible, you may be paying too high a price.

• E-sign – A few larger online companies will give a small break for buying your policy digitally online.
• Passive Restraint Discount – Cars that have air bags can qualify for discounts up to 30%.
• No Claim Discounts – Drivers who stay claim-free pay much less as compared to insureds who have frequent claims or accidents.
• Government Employees – Federal government employees could qualify for a slight premium decrease for Tacoma coverage but check with your company.
• Student in College – Youth drivers who live away from home to go to college and don’t have a car may qualify for this discount.
• Use Seat Belts – Drivers who require all vehicle occupants to buckle up could save 15% on the medical payments or PIP coverage costs.
• Anti-theft Discount – Vehicles that have factory alarm systems and tracking devices have a lower chance of being stolen and will save you 10% or more.
• Student Discount for Driver Training – Have your child enroll and complete driver’s education if it’s offered in school.
• Policy Bundle Discount – If you insure your home and vehicles with the same insurance company you could save over 10 percent off each policy depending on the company.

Discounts lower rates, but most of the big mark downs will not be given the the whole policy. The majority will only reduce specific coverage prices like collision or personal injury protection. Just because you may think adding up those discounts means a free policy, you aren’t that lucky.

Some companies that may offer quotes with these money-saving discounts are:

• 21st Century
• Progressive
• State Farm
• Nationwide
• Esurance
• The Hartford

If you want cheap auto insurance quotes, ask all companies you are considering the best way to save money. Savings may not be offered everywhere. To see insurers who offer online insurance coverage quotes, click here.

Tailor your insurance coverage to you

When it comes to buying proper insurance coverage for your vehicles, there really is not a “best” method to buy coverage. Everyone’s situation is unique so your insurance needs to address that. These are some specific questions could help you determine if you would benefit from an agent’s advice.

• Where can I find DUI or SR-22 insurance?
• Is my Toyota Tacoma covered if I use it for business?
• Can I afford to buy a different vehicle if my 2016 Toyota Tacoma is totaled?
• When should my teen driver be added to my policy?
• Is my custom paint covered by insurance?
• What if I don’t agree with a claim settlement offer?
• How do I insure my teen driver?
• Is extra glass coverage worth it?
• What is an SR-22 filing?

If it’s difficult to answer those questions but a few of them apply then you might want to talk to a licensed insurance agent. To find an agent in your area, simply complete this short form or you can go here for a list of companies in your area.

Detailed coverages of your car insurance policy

Learning about specific coverages of your car insurance policy can help you determine the right coverages and the correct deductibles and limits. Policy terminology can be impossible to understand and nobody wants to actually read their policy. Below you’ll find typical coverage types available from car insurance companies.

Comprehensive car insurance

This coverage will pay to fix damage caused by mother nature, theft, vandalism and other events. You first must pay your deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive insurance covers things like damage from flooding, hitting a deer, damage from a tornado or hurricane, falling objects and vandalism. The highest amount your car insurance company will pay is the actual cash value, so if the vehicle is not worth much it’s not worth carrying full coverage.

Coverage for uninsured or underinsured drivers

This provides protection when other motorists do not carry enough liability coverage. It can pay for injuries sustained by your vehicle’s occupants as well as damage to your 2016 Toyota Tacoma.

Due to the fact that many drivers carry very low liability coverage limits, it doesn’t take a major accident to exceed their coverage limits. For this reason, having high UM/UIM coverages is very important. Frequently the UM/UIM limits are similar to your liability insurance amounts.

Liability auto insurance

This will cover injuries or damage you cause to other’s property or people that is your fault. Split limit liability has three limits of coverage: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You commonly see limits of 50/100/50 which stand for a limit of $50,000 per injured person, a per accident bodily injury limit of $100,000, and a total limit of $50,000 for damage to vehicles and property. Occasionally you may see a combined single limit or CSL which combines the three limits into one amount rather than limiting it on a per person basis.

Liability coverage protects against claims like pain and suffering, attorney fees, funeral expenses, bail bonds and repair costs for stationary objects. How much liability should you purchase? That is your choice, but consider buying as large an amount as possible.

Coverage for collisions

This pays to fix your vehicle from damage from colliding with a stationary object or other vehicle. A deductible applies and then insurance will cover the remainder.

Collision coverage pays for things such as hitting a parking meter, crashing into a ditch and sideswiping another vehicle. Collision coverage makes up a good portion of your premium, so you might think about dropping it from older vehicles. You can also bump up the deductible in order to get cheaper collision rates.

Coverage for medical expenses

Personal Injury Protection (PIP) and medical payments coverage kick in for immediate expenses such as ambulance fees, doctor visits, nursing services, dental work and chiropractic care. The coverages can be used to fill the gap from your health insurance policy or if you do not have health coverage. Coverage applies to you and your occupants and will also cover if you are hit as a while walking down the street. Personal injury protection coverage is only offered in select states but it provides additional coverages not offered by medical payments coverage

Be a money saver!

You just read many ways to get a better price on 2016 Toyota Tacoma insurance. The key thing to remember is the more price quotes you have, the better your chances of lowering your premium rates. You may even find the biggest savings come from the smaller companies. Smaller companies can often provide lower premium rates in certain areas than the large multi-state companies such as Progressive or Geico.

A few companies don’t offer online quoting regional insurance providers prefer to sell through local independent agents. Low-cost 2016 Toyota Tacoma insurance is possible on the web as well as from insurance agents, and you should compare price quotes from both to have the best rate selection.

While you’re price shopping online, it’s not a good idea to skimp on critical coverages to save a buck or two. Too many times, someone sacrificed physical damage coverage only to find out that saving that couple of dollars actually costed them tens of thousands. The ultimate goal is to buy the best coverage you can find for the lowest cost.

More information can be read at these links:

• Teen Driving Statistics (iihs.org)
• Who Has the Cheapest Austin Car Insurance for a Toyota Tacoma? (AustinCarInsuranceQuotes.com)
• Vehicle Insurance in the U.S. (Wikipedia)
• Auto Insurance Learning Center (State Farm)
• What is Covered by an Auto Insurance Policy? (Insurance Information Insitute)