2017 Toyota Tacoma Car Insurance Cost

Are you burned out from sacrificing to pay your car insurance bill each month? Your situation is no different than many other drivers. Companies like Geico, 21st Century and Progressive constantly bombard you with catchy ads and it is challenging if not impossible to ignore the propoganda and effectively compare rates to find the best deal.

Ways to get car insurance quotes

Reducing your 2017 Toyota Tacoma insurance rates is surprisingly easy. The only requirement is to take the time to get quotes provided by online insurance companies. This can easily be done using a couple different methods.

The simplest way to compare a lot of rates at once would be an industry-wide quote request form (click to open form in new window). This method prevents you from having to do repetitive form submissions for each company you want a rate for. One form gets prices estimates from multiple companies.

A more difficult way to find lower rates is going to each company website and repeat the quote process again and again. For sake of this example, we’ll pretend you want to compare State Farm, Farmers and GMAC. In order to compare rates, you need to go to every website and punch in your information repeatedly, which can get old fast.

For a handy list of car insurance company links in your area, click here.

The last way to do your price quoting is to spend time driving to all the different insurance agencies. The ability to buy insurance online has made agencies unnecessary unless your situation requires the guidance only provided by licensed agents. Although, it is possible comparison shop online but have a local agent actually write the policy.

Whichever way you choose to compare rates, make absolute certain that you use nearly identical coverage limits with each company. If each company quotes unequal deductibles or liability limits it’s not possible to make a fair comparison for your Toyota Tacoma.

Misconceptions in car insurance advertisements

Drivers can’t get away from ads that claim the cheapest prices from companies such as 21st Century, Allstate and State Farm. All the ads say the same thing that people will save if you just switch to their company.

How can each company make almost identical claims? This is the way they can do it.

Different companies have underwriting criteria for the type of driver that will not have excessive claims. For example, this type of risk profile should be between 25 and 40, owns their home, and insures a new vehicle. Any customer who matches those parameters will probably get cheap rates and will also save when switching.

Drivers who don’t qualify for the ideal profile will be quoted higher premiums and ends up with business not being written. The ad wording is “people who switch” not “everyone who quotes” save that much money. That is how companies can make claims that they all have the best prices. Because every company is different, you really should get as many free insurance quotes as possible. It’s impossible to know which car insurance company will give you lower premium rates than your current company.

Save money by getting discounts

Buying insurance coverage is not cheap, but discounts can save money and there are some available that can drop the cost substantially. Many discounts should be triggered at the time you complete a quote, but a few must be specifically requested before being credited.

  • ABS Brakes – Cars equipped with ABS or steering control are safer to drive and qualify for as much as a 10% discount.
  • Life Insurance – If the company offers life insurance, you could get a small discount if you purchase a life policy as well.
  • Senior Citizen Discount – Drivers over the age of 55 may receive lower premium rates on Tacoma insurance.
  • Discount for Swiching Early – Some companies provide a discount for signing up early. You can save around 10% with this discount.
  • Discounts for Government Workers – Having worked for a branch of the government could provide a small rate reduction on Tacoma insurance with certain companies.
  • Sign Online – Certain larger companies will discount your bill up to fifty bucks for signing up on the internet.
  • Homeowners Savings – Just owning your own home can earn you a little savings since owning and maintaining a home is proof that your finances are in order.

Don’t be shocked that most of the big mark downs will not be given to your bottom line cost. Most cut individual premiums such as liability and collision coverage. Just because you may think adding up those discounts means a free policy, you won’t be that lucky. But any discount will cut your insurance coverage premiums.

Some companies that may offer these discounts possibly include:

When getting free insurance quotes, it’s a good idea to every insurance company to give you their best rates. A few discounts may not apply to policies in your area.

Your insurance coverage should be tailored to you

When choosing the best insurance coverage, there isn’t really a cookie cutter policy. Every situation is different so your insurance needs to address that. For instance, these questions may help highlight whether your personal situation might need an agent’s assistance.

  • I have good health insurance, so how much medical payments coverage do I need?
  • How can I find cheaper teen driver insurance?
  • Which companies will insure high-risk drivers?
  • Does my policy cover my teen driver if they drive my company car?
  • What are the best liability limits?
  • Is my vehicle covered by my employer’s policy when using it for work?

If you can’t answer these questions but you know they apply to you then you might want to talk to an agent. To find lower rates from a local agent, complete this form or click here for a list of insurance companies in your area. It’s fast, doesn’t cost anything and you can get the answers you need.

Auto insurance policy coverages for a 2017 Toyota Tacoma

Understanding the coverages of auto insurance aids in choosing the best coverages and proper limits and deductibles. Auto insurance terms can be confusing and coverage can change by endorsement. These are the usual coverages found on most auto insurance policies.

Liability coverage

Liability coverage protects you from damage that occurs to other people or property by causing an accident. It protects YOU from claims by other people. It does not cover your own vehicle damage or injuries.

It consists of three limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You commonly see liability limits of 100/300/100 which stand for a limit of $100,000 per injured person, a per accident bodily injury limit of $300,000, and $100,000 of coverage for damaged propery.

Liability can pay for things such as bail bonds, medical services, loss of income, attorney fees and court costs. The amount of liability coverage you purchase is your choice, but consider buying as large an amount as possible.

Med pay and Personal Injury Protection (PIP)

Personal Injury Protection (PIP) and medical payments coverage reimburse you for expenses for things like hospital visits, ambulance fees, rehabilitation expenses and dental work. They can be used to fill the gap from your health insurance policy or if there is no health insurance coverage. They cover you and your occupants and will also cover if you are hit as a while walking down the street. Personal Injury Protection is only offered in select states but it provides additional coverages not offered by medical payments coverage

Comprehensive insurance

This coverage pays to fix your vehicle from damage from a wide range of events other than collision. You first have to pay a deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage pays for claims such as hitting a deer, falling objects and theft. The most your auto insurance company will pay is the market value of your vehicle, so if the vehicle’s value is low it’s probably time to drop comprehensive insurance.

Uninsured/Underinsured Motorist (UM/UIM)

This coverage protects you and your vehicle when other motorists are uninsured or don’t have enough coverage. This coverage pays for medical payments for you and your occupants and also any damage incurred to your 2017 Toyota Tacoma.

Because many people have only the minimum liability required by law, it only takes a small accident to exceed their coverage. That’s why carrying high Uninsured/Underinsured Motorist coverage is very important.

Collision coverage protection

Collision coverage pays to fix your vehicle from damage resulting from a collision with an object or car. You first must pay a deductible and then insurance will cover the remainder.

Collision insurance covers things like crashing into a building, hitting a parking meter, sideswiping another vehicle and colliding with a tree. Paying for collision coverage can be pricey, so analyze the benefit of dropping coverage from older vehicles. It’s also possible to increase the deductible in order to get cheaper collision rates.

Coverage on a shoestring budget

As you shop your coverage around, it’s a bad idea to sacrifice coverage to reduce premiums. In many cases, an insured cut liability coverage limits only to find out that the savings was not a smart move. Your aim should be to buy enough coverage at the best possible price but still have enough coverage for asset protection.

We just covered a lot of tips how to reduce 2017 Toyota Tacoma insurance prices online. It’s most important to understand that the more you quote insurance, the more likely it is that you will get a better rate. You may be surprised to find that the biggest savings come from a smaller regional carrier. These companies may often insure only within specific states and give getter rates than their larger competitors like State Farm or Progressive.

Cheaper insurance coverage can be found on the web in addition to many insurance agents, and you should compare price quotes from both to get a complete price analysis. A few companies may not have price quotes online and these regional insurance providers only sell coverage through independent insurance agents.

More tips and info about insurance coverage can be read at these sites:

Comments About 2017 Toyota Tacoma Insurance

  1. Berenice Kelly

    I got quite a few price quotes for a 2017 Toyota Tacoma in New York City, NY. Ended up at roughly $500 every six months with Auto-Owners. Insured with American Family before. I even had a DUI years ago. Just waiting to see how claims go.

  2. Ray Bowen

    Where is cheaper car insurance? From east side of Grand Forks, ND. Don’t remember every company but I ended up saving about $60 each month.

  3. Marin Marks

    Live in the southern part of Louisville, Kentucky. Quoted quotes from AAA, Safeco, and a few others for my 2017 Toyota Tacoma and am saving around $550 a year. Left AAA to switch.

  4. Mindy Workman

    Checking in from Birmingham, Alabama. Can’t remember who all I quoted but I ended up saving about $30 each month. They were helpful in switching over.

  5. Latricia Noble

    If you’re from Tacoma, Washington get quotes from Allstate and GEICO and you might save.

  6. Cathey Carrillo

    Does State Farm insure teenage drivers?

  7. Julian Garner

    I live in Des Moines, Iowa. Can’t remember who all I quoted but I ended up saving about $50 each month. Insured with Hartford before. They have a lot of discounts available. I used their online quote form to compare rates.

  8. Larry Kelley

    I’m in the west part of Cranston, RI. Received quotes with AIG Insurance, Safeco, and USAA for my Toyota and saved just over $380 a year. Was with Western Auto Insurance.

  9. Lakeesha Simon

    From northwest of Reno, NV. I got free rates from GEICO, Eastwood, and The General for my Tacoma and I’m now saving $44 a month. Get lots of quotes to find the best rate.

  10. Clair Curry

    Anyone understand their policy?

  11. Margie Barnett

    Great info, thanks for posting. I live in a small town just outside of Fort Wayne, Indiana. Don’t remember every company but I ended up saving about $50 each month. Was with Western Auto Insurance.

  12. Marlana Randolph

    I’m from Anchorage, AK, and Progressive rates were best. Got better coverage too.

  13. Talia King

    Hope my rates come down. Live in the western part of Norman, OK. Got prices from Progressive, AAA, and some I forget for my 2017 Toyota Tacoma and cut my rates about $90 a year. Insured with GEICO before. I’m a pretty good driver though.

  14. Cristie Barton

    Cheaper car insurance is a myth. I live in Green Bay, Wisconsin. Can’t remember who all I quoted but I ended up saving about $30 each month. Was with MetLife.

  15. Lynelle Weber

    $100 to anyone who understands their policy.

  16. Kimberely Gray

    Mine is so expensive. I’m just north of Greensboro, NC. Quoted with Auto-Owners, Eastwood, and Mercury for my 2017 Toyota Tacoma and cut my rates about $410 a year. Was with State Farm. They have a lot of discounts available. I got a quote from their website.