2011 Toyota Tundra Car Insurance Quotes – 9 Savings Tips

Looking for cheaper insurance coverage rates for your Toyota Tundra? Nobody looks forward to paying premiums for insurance coverage, particularly when they could find better rates elsewhere. Insurance companies such as Allstate and Progressive all claim big savings with ads and it is difficult to see through the cute green geckos and mayhem and do the work needed to find the best deal.

If you have a current insurance policy or are just looking to switch companies, you can follow these tips to reduce the price you pay and possibly find even better coverage. Finding affordable coverage is quite easy. Drivers only need to know the most efficient way to compare company rates online.

Compare free auto insurance quotes

Reducing your 2011 Toyota Tundra insurance rates is a great way to save money. Drivers just need to take a couple of minutes comparing rate quotes to find. Rate comparisons can be done using one of these methods.

One of the best ways to find the lowest comparison rates is to use a rate comparison form like this one (opens in new window). This easy form eliminates the need for a different quote for every auto insurance company. One simple form gets insurance cost estimates from several companies.

A slightly less efficient method to obtain and compare quotes online requires you to visit each company website and complete a new quote form. For instance, we’ll pretend you want to compare rates from Allstate, 21st Century and GMAC. To find out each rate you need to spend time on each company’s site to enter your coverage information, and that explains why we recommend the first method. For a handy list of car insurance company links in your area, click here.

The most time-consuming method to find lower rates is to spend time driving to insurance agents’ offices. Comparing rates online makes this process obsolete unless you require the peace of mind that only an agent can give. If you prefer, some companies allow you to price shop online and have a local agent actually service the policy.

Compare rates however you want, just make darn sure you compare equivalent quote information for each price quote. If you enter different limits and deductibles on each one then you won’t be able to determine the lowest rate for your Toyota Tundra.

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Do you qualify for discount auto insurance?

Auto insurance is expensive, but there’s a good chance there are discounts that you may not even know about. A few discounts will be applied when you get a quote, but lesser-known reductions have to be specially asked for before being credited.

• Discount for Life Insurance – Select auto insurance companies reward you with lower prices if you buy life insurance.
• Good Student – Getting good grades may save as much as 25% on a car insurance quote. Many companies even apply the discount to college students well after school through age 25.
• 55 and Retired – Seniors may receive reduced rates for Tundra coverage.
• Memberships – Participating in qualifying employment or professional organizations could earn you a nice discount when shopping for auto insurance.
• One Accident Forgiven – Not necessarily a discount, but companies like Liberty Mutual, Allstate and State Farm permit an accident before raising your premiums so long as you are claim-free for a specific time period.
• Discount for Multiple Policies – If you combine your auto and home policies with the same company you could save up to 20% and get you low cost car insurance.
• Lower Rates for Military – Having a family member in the military could be rewarded with lower prices.
• Discount for Passive Restraints – Options like air bags or motorized seat belts can receive discounts of 20 to 30 percent.
• E-sign Discounts – Some companies may give you up to $50 get car insurance over the internet.

As a sidenote, most discount credits are not given to the entire cost. Most cut the price of certain insurance coverages like comprehensive or collision. So even though you would think all those discounts means the company will pay you, it just doesn’t work that way.

Insurance companies who may offer some of the above discounts include:

• Progressive
• AAA
• Farmers Insurance
• Geico
• Esurance
• SAFECO
• State Farm

If you need lower rates, check with each insurance company how many discounts you can get. All car insurance discounts may not apply to policies in your area.

What insurance coverages do I need?

When it comes to choosing the right insurance coverage for your personal vehicles, there really is not a cookie cutter policy. Everyone’s situation is unique so this has to be addressed. For example, these questions may help highlight if you might need an agent’s assistance.

• Does car insurance cover theft of personal property?
• Where can I get insurance after a DUI in my state?
• Should I drop comprehensive coverage on older vehicles?
• When would I need additional glass coverage?
• Do I need replacement cost coverage on my 2011 Toyota Tundra?
• Will my rates increase for filing one claim?
• Exactly who is provided coverage by my policy?
• How do I file an SR-22 for a DUI in my state?
• Why does it cost so much to insure a teen driver?

If you don’t know the answers to these questions, you may need to chat with an insurance agent. If you want to speak to an agent in your area, fill out this quick form or go to this page to view a list of companies. It’s fast, free and may give you better protection.

The largest companies are not always cheapest

Consumers get pounded daily by advertisements that claim the best rates by companies like Allstate and Progressive. All the ads advertise claims that drivers can save some big amount if you move your policy.

How is it plausible that every one can say the same thing? It’s all in the words they use.

All companies require specific criteria for the type of customer that will add to their bottom line. For instance, a driver they prefer may need to be a married male, insures multiple vehicles, and chooses high deductibles. A driver who matches those parameters receive the lowest rate quotes as well as pay quite a bit less when switching companies.

Consumers who don’t qualify for these standards must pay a higher rate which results in the customer not buying. If you listen to the ad wording, they say “people that switch” but not “everyone who gets a quote” save money. That’s the way insurance companies can confidently make the claims of big savings.

Different companies use different criteria so you need to get price quotes at each policy renewal. It’s impossible to know the company that will have the lowest rate quotes.

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Insurance coverage specifics

Knowing the specifics of your policy can help you determine which coverages you need and proper limits and deductibles. Policy terminology can be confusing and even agents have difficulty translating policy wording. Below you’ll find the usual coverages offered by insurance companies.

Collision protection

Collision coverage covers damage to your Tundra caused by collision with an object or car. You will need to pay your deductible then the remaining damage will be paid by your insurance company.

Collision coverage pays for claims like sideswiping another vehicle, scraping a guard rail and colliding with another moving vehicle. This coverage can be expensive, so you might think about dropping it from vehicles that are 8 years or older. Drivers also have the option to increase the deductible to save money on collision insurance.

UM/UIM (Uninsured/Underinsured Motorist) coverage

Uninsured or Underinsured Motorist coverage protects you and your vehicle when the “other guys” do not carry enough liability coverage. Covered losses include injuries to you and your family as well as your vehicle’s damage.

Since a lot of drivers carry very low liability coverage limits, it only takes a small accident to exceed their coverage. That’s why carrying high Uninsured/Underinsured Motorist coverage is very important. Normally your uninsured/underinsured motorist coverages are identical to your policy’s liability coverage.

Medical payments and PIP coverage

Personal Injury Protection (PIP) and medical payments coverage reimburse you for bills for things like prosthetic devices, surgery, doctor visits and rehabilitation expenses. They are used to cover expenses not covered by your health insurance policy or if you are not covered by health insurance. Coverage applies to both the driver and occupants and also covers if you are hit as a while walking down the street. Personal injury protection coverage is only offered in select states and may carry a deductible

Liability

This coverage will cover damages or injuries you inflict on people or other property that is your fault. Split limit liability has three limits of coverage: bodily injury per person, bodily injury per accident and property damage. Your policy might show liability limits of 25/50/25 that means you have a limit of $25,000 per injured person, a per accident bodily injury limit of $50,000, and property damage coverage for $25,000. Occasionally you may see a combined single limit or CSL which provides one coverage limit with no separate limits for injury or property damage.

Liability coverage pays for things such as bail bonds, pain and suffering, repair bills for other people’s vehicles, loss of income and court costs. The amount of liability coverage you purchase is your choice, but it’s cheap coverage so purchase as much as you can afford.

Comprehensive auto coverage

Comprehensive insurance coverage pays to fix your vehicle from damage caused by mother nature, theft, vandalism and other events. You first have to pay a deductible then your comprehensive coverage will pay.

Comprehensive coverage pays for things like fire damage, hail damage, rock chips in glass and hitting a bird. The highest amount a insurance company will pay at claim time is the cash value of the vehicle, so if the vehicle’s value is low it’s probably time to drop comprehensive insurance.

Find Good Coverage for Less

We covered some good ideas how to lower your 2011 Toyota Tundra insurance car insurance rates. The most important thing to understand is the more times you quote, the better your comparison will be. Drivers may discover the best car insurance rates are with the least-expected company. Regional companies may cover specific market segments cheaper than the large multi-state companies such as State Farm or Progressive.

As you prepare to switch companies, it’s not a good idea to buy poor coverage just to save money. There are many occasions where consumers will sacrifice full coverage only to discover later that they should have had better coverage. Your aim should be to purchase plenty of coverage at the best possible price, but do not sacrifice coverage to save money.

To learn more, take a look at the following helpful articles:

• Get the Right Protection (InsureUonline.org)
• Auto Theft Statistics (Insurance Information Insitute)
• Distracted Driving (Insurance Information Insitute)
• Prom Night Tips for Teen Drivers (State Farm)
• Red Light Cameras (State Farm)

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