2014 Toyota Tundra Car Insurance Quotes – 5 Tricks for Best Rates

Finding cheaper insurance for a new or used Toyota Tundra can normally be difficult, but you can use the following methods to save time. There is a better way to compare insurance coverage rates and we’ll show you the quickest way to quote coverages on a Toyota and locate the lowest possible price from local insurance agents and online providers.

Compare quotes for car insurance

Cutting your car insurance rates is not a difficult process. You just need to spend a little time comparing price quotes provided by online insurance companies. You can get a good selection of rate quotes by using one of the methods below.

• Without a doubt, the easiest way to get quotes would be an industry-wide quote request form (click to open form in new window). This type of form saves time by eliminating boring form submissions for each price estimate. One quote request will return price quotes instantly. This is perfect if you don’t have a lot of time.
• A less efficient way to compare prices requires you to visit the website for each individual company and repeat the quote process again and again. For example, let’s assume you want comparison quotes from USAA, Progressive and State Farm. You would be required to visit each site to input your insurance information, which is not fast way to get rate quotes.

  For a list of links to companies insuring cars in your area, click here.

• The last method to compare price quotes is to spend time driving to all the different insurance agencies. Comparing rate quotes online eliminates this option unless you prefer the trained guidance that only an agent can give. Although you can get the lowest quotes online but have a local agent actually write the policy.

It’s up to you which method you use, but be sure to compare equivalent coverages and limits for each price quote. If your comparisons have differing limits then you won’t be able to make an equal comparison.

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Don’t overlook these five auto insurance discounts

Some providers don’t always publicize every possible discount in an easy-to-find place, so the list below gives a summary of a few of the more well known and the harder-to-find credits available to bring down your rates.

• Payment Method – If you pay your bill all at once rather than spreading payments over time you could save up to 5%.
• Discount for Good Grades – Performing well in school can be rewarded with saving of up to 25%. Earning this discount can benefit you up until you turn 25.
• Save with a New Car – Buying auto insurance coverage on a new vehicle can get you a discount since new vehicles are generally safer.
• Responsible Driver Discount – Drivers who avoid accidents can get discounts for up to 45% lower rates for Tundra coverage as compared to drivers with claims.
• Switch and Save Discount – A few auto insurance companies allow discounts for switching to them prior to your current policy expiration. It can save you around 10%.

Policy discounts save money, but some of the credits will not apply to the overall cost of the policy. Most only cut the price of certain insurance coverages like physical damage coverage or medical payments. So despite the fact that it appears you would end up receiving a 100% discount, auto insurance companies aren’t that generous.

A list of companies and a summarized list of policyholder discounts are outlined below.

• Geico offers discounts for anti-lock brakes, military active duty, emergency military deployment, seat belt use, and air bags.
• Travelers discounts include new car, student away at school, multi-car, home ownership, driver training, and payment discounts.
• Farm Bureau may offer discounts for multi-vehicle, 55 and retired, youthful driver, good student, and safe driver.
• Liberty Mutual includes discounts for new vehicle discount, newly married, multi-policy, hybrid vehicle, teen driver discount, and exclusive group savings.
• American Family offers discounts including air bags, defensive driver, mySafetyValet, bundled insurance, and accident-free.
• Progressive has savings for online quote discount, multi-policy, multi-vehicle, online signing, good student, and homeowner.

When comparing rates, check with all companies you are considering to give you their best rates. Some of the earlier mentioned discounts might not apply in your area.

When to get professional advice

When it comes to buying coverage, there isn’t really a best way to insure your cars. Every situation is different.

For instance, these questions can help discover whether you could use an agent’s help.

• Should I sign the liability waiver when renting a car?
• How does medical payments coverage work?
• When should I drop full coverage on my 2014 Toyota Tundra?
• When do I need to add a new car to my policy?
• Are there companies who specialize in insuring high-risk drivers?
• What is roadside assistance coverage?
• Does my policy cover me when driving someone else’s vehicle?
• Will my rates increase for filing one claim?

If you can’t answer these questions, you might consider talking to an agent. To find lower rates from a local agent, simply complete this short form. It’s fast, doesn’t cost anything and can help protect your family.

Information about specific coverages

Understanding the coverages of a auto insurance policy can help you determine the best coverages at the best deductibles and correct limits. The coverage terms in a policy can be impossible to understand and coverage can change by endorsement.

Liability

This provides protection from 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 injured, bodily injury for the entire accident and a property damage limit. You might see liability limits of 25/50/25 that means you have $25,000 bodily injury coverage, a limit of $50,000 in injury protection per accident, and $25,000 of coverage for damaged propery.

Liability coverage protects against claims such as legal defense fees, medical expenses, repair costs for stationary objects and structural damage. How much liability should you purchase? That is a personal decision, but it’s cheap coverage so purchase as high a limit as you can afford.

Comprehensive (Other than Collision)

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

Comprehensive can pay for claims such as vandalism, damage from a tornado or hurricane, damage from flooding, theft and a tree branch falling on your vehicle. The maximum amount you’ll receive from a claim is the ACV or actual cash value, so if it’s not worth much more than your deductible consider dropping full coverage.

Medical expense insurance

Medical payments and Personal Injury Protection insurance provide coverage for bills for EMT expenses, dental work and pain medications. They can be used to cover expenses not covered by your health insurance policy or if you lack health insurance entirely. Coverage applies to both the driver and occupants in addition to getting struck while a pedestrian. Personal Injury Protection is not available in all states but can be used in place of medical payments coverage

Protection from uninsured/underinsured drivers

This coverage gives you protection when other motorists either have no liability insurance or not enough. Covered losses include injuries sustained by your vehicle’s occupants and also any damage incurred to your Toyota Tundra.

Since many drivers only carry the minimum required liability limits, their liability coverage can quickly be exhausted. This is the reason having UM/UIM coverage is important protection for you and your family.

Auto collision coverage

This will pay to fix damage to your Tundra resulting from colliding with a stationary object or other vehicle. You have to pay a deductible then your collision coverage will kick in.

Collision coverage protects against things such as hitting a parking meter, sustaining damage from a pot hole, backing into a parked car and rolling your car. Paying for collision coverage can be pricey, so analyze the benefit of dropping coverage from vehicles that are 8 years or older. Drivers also have the option to increase the deductible to get cheaper collision coverage.

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In the end, you save

The cheapest 2014 Toyota Tundra insurance is possible on the web and with local insurance agents, so you need to quote auto insurance with both so you have a total pricing picture. Some insurance providers do not provide online rate quotes and most of the time these regional insurance providers provide coverage only through independent insurance agencies.

As you go through the steps to switch your coverage, it’s a bad idea to sacrifice coverage to reduce premiums. There are too many instances where an accident victim reduced comprehensive coverage or liability limits only to regret at claim time that it was a big error on their part. Your strategy should be to buy the best coverage you can find at the best price and still be able to protect your assets.

Drivers switch companies for a variety of reasons including poor customer service, delays in responding to claim requests, high rates after DUI convictions or lack of trust in their agent. Whatever your reason, choosing a new insurance company is pretty easy and you might even save some money in the process.

More information

• Young Drivers: The High Risk Years Video (iihs.org)
• Get the Right Protection (InsureUonline.org)
• Side Impact Crash Tests (iihs.org)
• State Car Insurance Guides (Geico)
• Choosing a Car for Your Teen (State Farm)
• Red Light Cameras (State Farm)

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