2008 Toyota Tacoma Car Insurance Quotes

Searching for cheaper insurance for a new or used Toyota Tacoma can turn out to be a painful process, but you can learn a few tricks to save time.

There are more efficient ways to buy car insurance so we’re going to tell you the quickest way to quote coverages for a new or used Toyota and locate the lowest price from both online companies and local agents.

You need to get comparison quotes yearly because prices trend upward over time. If you had the lowest rates for Tacoma coverage two years ago the chances are good that you can find a lower rate quote today. Don’t believe everything you read about car insurance on the internet, but in this article, you’re going to get some of the best ways to slash your car insurance rates.

How much is insurance coverage?

All major insurance coverage companies such as Progressive, Allstate and Geico allow you to get coverage prices online. Doing online price comparisons is fairly straightforward as you simply enter the amount of coverage you want on the page. After you submit the form the quote system obtains information on your driving record and credit history and generates a price.

This simplifies rate comparisons, but the process of having to visit several different sites and enter the same data into a form can get tiresome after awhile. But it is imperative to perform this step in order to get the lowest possible prices on insurance coverage.

Isn’t there an easier way to compare rates?

The easiest way to locate the lowest prices uses one form to obtain quotes from more than one company. It’s a real time-saver, eliminates form submissions, and makes comparison shopping a lot less work. Once the form is submitted, it is quoted with multiple companies and you can pick any one of the quote results.

If a lower price is quoted, you can simply submit the application and buy the policy. This process takes just a few minutes to complete and you will know how your current rates stack up.

If you want to get comparison pricing now, click here to open in new window and complete the simple form. If you have coverage now, it’s recommended you copy the limits and deductibles exactly as shown on your declarations page. This makes sure you will have comparison quotes for similar coverage.

Pay discount rates these money-saving discounts

Not many people think insurance is cheap, but you might find some hidden discounts that you may not know about. Some of these disounts will be visible at the time you complete a quote, but some need to be inquired about before being credited.

  • Theft Deterent Discount – Anti-theft and alarm system equipped vehicles can help prevent theft and qualify for as much as a 10% discount.
  • E-sign Discounts – A few larger online companies provide a small discount for completing your application on their website.
  • Good Students Pay Less – This discount can get you a discount of up to 25%. Most companies allow this discount well after school through age 25.
  • Distant Student Discount – Kids who live away from home to go to college and do not have access to a covered vehicle may be insured at a cheaper rate.
  • New Vehicle Savings – Buying a new car model is cheaper compared to insuring an older model.
  • Service Members Pay Less – Being deployed in the military may lower your prices slightly.
  • Homeowners Discount – Simply owning a home can get you a discount since owning and maintaining a home shows financial diligence.
  • Defensive Driving Course – Taking a course that instructs on driving safety may get you a small discount if you qualify.
  • Pay Upfront and Save – If paying your policy premium upfront rather than paying monthly you may reduce your total bill.

Discounts save money, but please remember that most discounts do not apply to the overall cost of the policy. Some only reduce the cost of specific coverages such as medical payments or collision. Despite the appearance that you could get a free auto insurance policy, insurance companies wouldn’t stay in business. But all discounts will cut the premium cost.

Some of the insurance companies that may offer quotes with these money-saving discounts include:

It’s a good idea to ask each company or agent which discounts can lower your rates. Discounts might not be offered in your area. To find insurance companies that have a full spectrum of discounts, follow this link.

Do I need special coverages?

When it comes to buying the right insurance coverage for your vehicles, there isn’t really a single plan that fits everyone. Every insured’s situation is different.

These are some specific questions might help in determining if your insurance needs might need an agent’s assistance.

  • Do I need medical payments coverage since I have good health insurance?
  • Do I need higher collision deductibles?
  • Am I covered by my employer’s commercial auto policy when driving my personal car for business?
  • Am I covered if my car is in a flood?
  • Is my nanny covered when driving my vehicle?
  • How much liability coverage do I need in my state?

If you don’t know the answers to these questions but you know they apply to you, you might consider talking to a licensed insurance agent. To find lower rates from a local agent, fill out this quick form. It is quick, free and you can get the answers you need.

Coverages available on your policy

Having a good grasp of your policy can help you determine the best coverages for your vehicles. The terms used in a policy can be impossible to understand and nobody wants to actually read their policy.

Collision coverages – Collision coverage covers damage to your Tacoma from colliding with another vehicle or an object, but not an animal. You have to pay a deductible then the remaining damage will be paid by your insurance company.

Collision coverage protects against claims like colliding with another moving vehicle, damaging your car on a curb, driving through your garage door, scraping a guard rail and rolling your car. This coverage can be expensive, so analyze the benefit of dropping coverage from vehicles that are 8 years or older. Another option is to raise the deductible to bring the cost down.

Uninsured Motorist or Underinsured Motorist insurance – Your UM/UIM coverage gives you protection when the “other guys” are uninsured or don’t have enough coverage. It can pay for hospital bills for your injuries and damage to your Toyota Tacoma.

Because many people only purchase the least amount of liability that is required, their liability coverage can quickly be exhausted. This is the reason having UM/UIM coverage should not be overlooked. Most of the time your uninsured/underinsured motorist coverages are similar to your liability insurance amounts.

Liability coverage – Liability insurance provides protection from injuries or damage you cause to other people or property in an accident. It protects YOU from legal claims by others, and does not provide coverage for damage to your own property or vehicle.

Coverage consists of three different limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You commonly see values of 50/100/50 which means a $50,000 limit per person for injuries, a total of $100,000 of bodily injury coverage per accident, and property damage coverage for $50,000. Alternatively, you may have one limit called combined single limit (CSL) that pays claims from the same limit rather than limiting it on a per person basis.

Liability coverage protects against things such as court costs, funeral expenses, medical services and legal defense fees. How much liability coverage do you need? That is up to you, but you should buy as much as you can afford.

Comprehensive coverage (or Other than Collision) – Comprehensive insurance pays for damage caused by mother nature, theft, vandalism and other events. You first must pay your deductible and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive coverage pays for things such as hitting a deer, hitting a bird and damage from a tornado or hurricane. The maximum payout a car insurance company will pay at claim time is the actual cash value, so if your deductible is as high as the vehicle’s value it’s not worth carrying full coverage.

Insurance for medical payments – Medical payments and Personal Injury Protection insurance kick in for short-term medical expenses for nursing services, chiropractic care, rehabilitation expenses, EMT expenses and funeral costs. They are often utilized in addition to your health insurance program or if you lack health insurance entirely. They cover both the driver and occupants and also covers getting struck while a pedestrian. PIP is only offered in select states and gives slightly broader coverage than med pay