2015 Toyota Sequoia Insurance Quotes – 6 Discounts for Cheapest Rates

Want cheaper insurance rates for your Toyota Sequoia? No sane person looks forward to paying for insurance, especially when they know they are paying too much.

Since you have so many choices, it can be challenging to pick the right company.

It’s a good habit to get comparison quotes as often as possible because insurance prices change quite often. If you had the best deal on Sequoia insurance a couple years back there is a good chance you can find better premium rates now. Forget all the misinformation about insurance because we’re going to demonstrate the fastest and easiest way to save money, get proper deductibles and limits, all at the lowest rate.

The purpose of this post is to let you in on how to get online quotes and some money-saving tips. If you currently have car insurance, you will be able to cut costs considerably using this strategy. Nevertheless, vehicle owners must learn how insurance companies price online insurance and apply this information to your search.

The quickest method to compare policy rates is to know almost all companies actually pay money for the chance to compare rate quotes. To get started, all you need to do is give the companies some data such as which vehicles you own, whether you are married, how many miles driven, and if a SR-22 is needed. Your insurance information is sent automatically to multiple insurance coverage providers and they return cost estimate almost instantly.

To start a rate quote now, click here and find out if lower rates are available.

These six discounts can lower your insurance rates

Insurance can cost an arm and a leg, but you can get discounts that many consumers don’t even know exist. Many of these discounts will be applied automatically when you purchase, but less common discounts must be requested specifically before you get the savings.

  • Auto/Life Discount – Insurance companies who offer life insurance give better prices if you take out some life insurance too.
  • Discounts for Government Workers – Active or former government employment can earn a discount up to 10% on Sequoia insurance with some insurance companies.
  • Pay Upfront and Save – If paying your policy premium upfront rather than paying in monthly installments you can avoid monthly service charges.
  • Discount for New Cars – Adding a new car to your policy can cost up to 25% less because new model year vehicles are generally safer.
  • Defensive Driving Course – Successfully completing a class that teaches driver safety techniques can save you 5% or more and easily pay for the cost of the class.
  • Active Service Discounts – Being deployed with a military unit could be rewarded with lower prices.

Remember that most of the big mark downs will not be given the the whole policy. Some only apply to the price of certain insurance coverages like comp or med pay. Just because it seems like you can get free auto insurance, nobody gets a free ride. Any amount of discount will lower the amount you pay for coverage.

Larger insurance companies and some of the premium reductions they offer are shown below.

  • State Farm has savings for anti-theft, safe vehicle, Steer Clear safe driver discount, driver’s education, passive restraint, and accident-free.
  • Geico policyholders can earn discounts including defensive driver, air bags, anti-theft, five-year accident-free, and multi-vehicle.
  • Allstate discounts include eSmart discount, EZ pay plan discount, economy car, good student, 55 and retired, and auto/life discount.
  • SAFECO may have discounts that include anti-lock brakes, accident prevention training, drive less, teen safety rewards, safe driver, and anti-theft.
  • Farm Bureau offers discounts for multi-vehicle, safe driver, youthful driver, renewal discount, driver training, multi-policy, and 55 and retired.
  • Progressive may offer discounts for multi-policy, good student, online quote discount, homeowner, and multi-vehicle.
  • AAA offers discounts including good driver, education and occupation, pay-in-full, AAA membership discount, multi-car, good student, and multi-policy.

Before purchasing a policy, check with each company how many discounts you can get. Discounts may not apply to policyholders in your area. For a list of insurance companies who offer free insurance quotes, click here.

Different people need different insurance coverage coverages

When choosing coverage for your vehicles, there really is no single plan that fits everyone. Each situation is unique so your insurance needs to address that. These are some specific questions can aid in determining if you could use an agent’s help.

  • What is roadside assistance coverage?
  • Does coverage extend to a rental car in a foreign country?
  • How can I get my company to pay me more for my totalled car?
  • How much liability insurance is required?
  • Am I covered by my employer’s commercial auto policy when driving my personal car for business?
  • Does my policy pay for OEM or aftermarket parts?
  • If I drive on a suspended license am I covered?
  • Am I covered by my spouse’s policy after a separation?

If you can’t answer these questions but a few of them apply, you might consider talking to an insurance agent. To find lower rates from a local agent, fill out this quick form or go to this page to view a list of companies.

Do insurance companies bend the truth?

Well-known insurance companies like State Farm, Geico and Progressive continually stream ads on television and other media. All the companies make an identical promise that drivers will save a bundle just by switching your insurance policy to them. It sounds good, but how can they all save you money?

All the different companies have an ideal profile for the type of customer that is profitable for them. For example, this type of risk profile may be between 30 and 50, has a clean driving record, and has excellent credit. Anyone that matches those criteria will get a cheap rate quote and will save when switching.

Potential customers who may not quite match these standards will probably be forced to pay higher premium rates and ends up with the customer not purchasing. The trick is to say “people who switch” but not “everyone who gets a quote” save the amount stated. That’s the way insurance companies can make it sound like they have such great rates.

Because of the profiling, you really need to get price quotes at each policy renewal. You cannot predict the company that will have the best prices.

Parts of your auto insurance policy

Having a good grasp of your policy can help you determine which coverages you need and the correct deductibles and limits. The terms used in a policy can be impossible to understand and coverage can change by endorsement. Below you’ll find the normal coverages available from auto insurance companies.

Coverage for medical expenses – Medical payments and Personal Injury Protection insurance reimburse you for immediate expenses like ambulance fees, funeral costs and hospital visits. They can be used to cover expenses not covered by your health insurance policy or if you lack health insurance entirely. It covers all vehicle occupants and also covers any family member struck as a pedestrian. PIP coverage is not available in all states but can be used in place of medical payments coverage

Coverage for uninsured or underinsured drivers – Uninsured or Underinsured Motorist coverage provides protection from other motorists when they either are underinsured or have no liability coverage at all. It can pay for hospital bills for your injuries as well as damage to your 2015 Toyota Sequoia.

Because many people have only the minimum liability required by law, it only takes a small accident to exceed their coverage. This is the reason having UM/UIM coverage should not be overlooked. Frequently the UM/UIM limits are set the same as your liablity limits.

Collision coverages – Collision coverage pays for damage to your Sequoia resulting from colliding with another vehicle or an object, but not an animal. You first must pay a deductible and the rest of the damage will be paid by collision coverage.

Collision insurance covers things such as backing into a parked car, colliding with another moving vehicle, crashing into a ditch, colliding with a tree and sustaining damage from a pot hole. Paying for collision coverage can be pricey, so consider removing coverage from vehicles that are 8 years or older. You can also bump up the deductible in order to get cheaper collision rates.

Liability car insurance – Liability coverage protects you from damages or injuries you inflict on other people or property by causing an accident. It protects YOU against claims from other people. It does not cover damage to your own property or vehicle.

It consists of three limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You might see limits of 100/300/100 which stand for $100,000 bodily injury coverage, $300,000 for the entire accident, and property damage coverage for $100,000. Another option is one limit called combined single limit (CSL) which limits claims to one amount with no separate limits for injury or property damage.

Liability can pay for things such as emergency aid, pain and suffering, repair costs for stationary objects, attorney fees and medical expenses. The amount of liability coverage you purchase is a decision to put some thought into, but it’s cheap coverage so purchase as high a limit as you can afford.

Comprehensive auto insurance – This coverage pays for damage that is not covered by collision coverage. You first have to pay a deductible and then insurance will cover the rest of the damage.

Comprehensive can pay for things such as hail damage, rock chips in glass, hitting a deer and theft. The most a auto insurance company will pay at claim time is the market value of your vehicle, so if the vehicle’s value is low it’s not worth carrying full coverage.

Make an honest buck

As you go through the steps to switch your coverage, it’s very important that you do not buy poor coverage just to save money. In many cases, consumers will sacrifice full coverage and found out when filing a claim that the small savings ended up costing them much more. Your objective should be to buy a smart amount of coverage at the best price while not skimping on critical coverages.

You just read many ideas to lower your 2015 Toyota Sequoia insurance premium rates. The key thing to remember is the more companies you get prices for, the better your chances of lowering your prices. You may even discover the best premium rates are with an unexpected company. They may have significantly lower prices on certain market segments than their larger competitors like State Farm, Geico and Nationwide.

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