2017 Toyota Sequoia Insurance Rates

I doubt anyone looks forward to paying for insurance coverage, especially knowing the cost is too high. Due to the increasing number of choices of insurance companies, it can be impossible to find the right insurance company.

Do you qualify for discount auto insurance?

Some insurance providers don’t always list every discount very well, so the following list contains a few of the more well known and also the more inconspicuous discounts you could be receiving when you buy insurance coverage online.

  • Responsible Driver Discount – Drivers who avoid accidents may receive a discount up to 45% on Sequoia insurance than their less cautious counterparts.
  • Discounts for Seat Belt Usage – Buckling up and requiring all passengers to use a seat belt may be able to save a few bucks off PIP or medical payments premium.
  • No Claim Discounts – Drivers who don’t have accidents have much lower rates when compared with accident-prone drivers.
  • Discounts for Federal Employees – Employees or retirees of the government can earn a discount up to 10% on Sequoia insurance depending on your auto insurance provider.
  • Theft Deterent System – Vehicles equipped with anti-theft or alarm systems are stolen with less frequency and will save you 10% or more.
  • Discount for Home Ownership – Simply owning a home can earn you a little savings because maintaining a house demonstrates responsibility.
  • Active Service Discounts – Being on active deployment in the military could mean lower premium rates.
  • ABS Brakes – Vehicles with anti-lock braking systems can reduce accidents so companies give up to a 10% discount.
  • Early Signing – A few insurance companies offer discounts for switching companies prior to your current policy expiring. You may see this discount when you get insurance coverage quotes online.
  • Drivers Education – Require your teen driver to complete a driver education course if offered at their school.

Don’t be shocked that most discounts do not apply to the entire cost. Some only reduce the price of certain insurance coverages like liability, collision or medical payments. So when the math indicates you could get a free auto insurance policy, it just doesn’t work that way.

The best auto insurance companies and their possible discounts are detailed below.

  • State Farm may have discounts that include accident-free, Steer Clear safe driver discount, passive restraint, defensive driving training, good driver, and Drive Safe & Save.
  • Geico offers discounts for multi-vehicle, military active duty, anti-lock brakes, daytime running lights, multi-policy, defensive driver, and five-year accident-free.
  • SAFECO offers premium reductions for anti-theft, anti-lock brakes, safe driver, teen safe driver, teen safety rewards, and multi-car.
  • Farmers Insurance offers discounts including distant student, mature driver, early shopping, teen driver, business and professional, and pay in full.
  • AAA includes discounts for good driver, anti-theft, multi-policy, multi-car, AAA membership discount, and education and occupation.
  • USAA policyholders can earn discounts including defensive driver, good student, new vehicle, annual mileage, and driver training.

When getting a coverage quote, ask all the companies to give you their best rates. Some discounts listed above might not be offered on policies in every state. If you would like to choose from a list of providers with significant discounts, click here to view.

Where can I get affordable insurance?

Finding more affordable 2017 Toyota Sequoia insurance quotes is a fairly straight forward process. Just take a few minutes comparing price quotes to find out which insurance company has low cost insurance coverage quotes. It’s super easy and can be done using a couple different methods.

  1. The recommended way to get quotes is to use a rate comparison form click here to open form in new window. This method prevents you from having to do separate quotes for every insurance company. Taking the time to complete one form will return quotes from multiple companies.
  2. A slightly less efficient method to analyze rates consists of going to each individual company website and request a quote. For sake of this example, we’ll pretend you want to get rates from Auto-Owners, Progressive and Liberty Mutual. In order to get each rate, you would have to spend time on each company’s site and type in your information over and over, and that explains why we recommend the first method.

    To view a list of companies in your area, click here.

  3. The old school method to quote and compare insurance rates is driving to insurance agents’ offices. Comparing rate quotes online reduces the need to sit down with an agent unless you have a complicated situation and need the professional advice of a local agency. It is possible with some companies get prices online but have a local agent actually write the policy.

Which method you use is up to you, but be sure to compare equivalent coverage information on every quote you get. If you use unequal deductibles or liability limits then you won’t be able to determine which rate is truly the best.

Learn how to quote insurance coverage at a discount

When buying insurance coverage it’s important to understand the rating factors that are used to determine the price you pay for insurance coverage. If you have some idea of what influences your rates, this allows you to make educated decisions that will entitle you to lower rates. Many different elements are considered when premium rates are determined. Most are fairly basic such as your driving record, but some are more transparent such as whether you are married or your vehicle rating.

The items below are a few of the “ingredients” that factor into your premiums.

  • Gender matters – The statistics show females are less aggressive when driving. This data doesn’t prove that males are worse at driving than females. Both genders get in auto accidents at a similar rate, but the men get into accidents with more damage. In addition to higher claims, males also get cited for more serious violations like driving under the influence (DUI).
  • Discounts for auto and home policies – Most insurers will give discounts to policyholders who consolidate policies with them, otherwise known as a multi-policy discount. This can amount to five, ten or even twenty percent. If you currently are using one company, you still need to compare other company rates to make sure you are getting the best deal.
  • Vehicle theft costs us all – Buying a car with an alarm system can help lower your premiums. Anti-theft devices such as OnStar found on GM vehicles, advanced tracking like LoJack, and vehicle immobilization systems all help prevent car theft.
  • Gaps in coverage mean higher premiums – Going without insurance is a quick way to pay more for insurance coverage. Not only will rates go up, getting caught without coverage could earn you a revoked license or a big fine. You may need to provide proof of insurance in the form of an SR-22 filing with your state DMV.
  • Occupation can influence insurance coverage rates – Careers such as real estate brokers, business owners and miners are shown to have higher premiums than the average policyholder due to intense work requirements and lots of time spent away from family. Conversely, professions such as scientists, engineers and the unemployed pay the least on Sequoia insurance.
  • Costs impacted by vehicle usage – The more you drive every year the higher your rate. Many insurance companies rate vehicles based on how the vehicle is used. Vehicles that have low annual miles receive better premium rates than those used for commuting. Verify your insurance coverage policy properly reflects the proper vehicle usage. Having an incorrect usage rating on your Sequoia can cost quite a bit.

What insurance coverages do I need?

When choosing adequate coverage for your vehicles, there really is no “best” method to buy coverage. Coverage needs to be tailored to your specific needs and a cookie cutter policy won’t apply. These are some specific questions may help highlight if you would benefit from professional advice.

  • Does my policy pay for OEM or aftermarket parts?
  • When would I need additional glass coverage?
  • Should I file a claim if it’s only slightly more than my deductible?
  • Can my teen driver be rated on a liability-only vehicle?
  • Should I have combined single limit or split liability limits?
  • Does my policy cover my teen driver if they drive my company car?
  • Am I covered when driving someone else’s vehicle?
  • Is my ex-spouse still covered by my policy?
  • Can I get a multi-policy discount?
  • What if I owe more than I can insure my car for?

If you don’t know the answers to these questions then you might want to talk to an insurance agent. To find an agent in your area, simply complete this short form or go to this page to view a list of companies. It’s fast, free and can help protect your family.

Do drivers who switch really save $450 a year?

Drivers can’t ignore all the ads for the lowest price auto insurance from companies such as State Farm and Allstate. All the companies make the point about how much you will save after switching your policy.

But how can every company cost less than your current company? This is the way they can do it.

Insurance providers have a preferred profile for a prospective insured that will be a good risk. One example of a desirable insured could be over the age of 50, carries high limits, and chooses high deductibles. Any person that meets those criteria will get the preferred prices and will save a lot of money.

Potential customers who do not fit the ideal profile will see more expensive rates which translates to the customer buying from someone else. The trick companies use is to say “customers that switch” not “all people who quote” will save that much if they switch. That’s why insurance companies can advertise the savings. This really illustrates why you absolutely need to compare price quotes frequently. You cannot predict which insurance companies will provide you with the cheapest rates.

Educate yourself about car insurance coverages

Learning about specific coverages of a car insurance policy can help you determine the right coverages and proper limits and deductibles. The terms used in a policy can be impossible to understand and coverage can change by endorsement. These are the usual coverages found on most car insurance policies.

Comprehensive coverage

This covers damage that is not covered by collision coverage. A deductible will apply then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage protects against claims such as theft, a tree branch falling on your vehicle and damage from a tornado or hurricane. The maximum payout a car insurance company will pay at claim time is the market value of your vehicle, so if your deductible is as high as the vehicle’s value it’s probably time to drop comprehensive insurance.

Collision protection

Collision coverage will pay to fix damage to your Sequoia resulting from a collision with another vehicle or an object, but not an animal. You first must pay a deductible and then insurance will cover the remainder.

Collision coverage protects against claims such as colliding with another moving vehicle, crashing into a building, rolling your car, driving through your garage door and hitting a mailbox. Collision is rather expensive coverage, so analyze the benefit of dropping coverage from older vehicles. Drivers also have the option to choose a higher deductible in order to get cheaper collision rates.

Medical payments coverage and PIP

Medical payments and Personal Injury Protection insurance reimburse you for expenses such as chiropractic care, X-ray expenses, surgery and pain medications. They are used to fill the gap from your health insurance policy or if there is no health insurance coverage. They cover not only the driver but also the vehicle occupants and also covers if you are hit as a while walking down the street. Personal injury protection coverage is not universally available but it provides additional coverages not offered by medical payments coverage

Liability insurance

Liability coverage protects you from damages or injuries you inflict on a person or their property in an accident. It protects you from legal claims by others. Liability doesn’t cover your own vehicle damage or injuries.

Coverage consists of three different limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You commonly see policy limits of 50/100/50 which means a limit of $50,000 per injured person, $100,000 for the entire accident, and $50,000 of coverage for damaged propery.

Liability insurance covers things such as legal defense fees, court costs, structural damage and medical services. The amount of liability coverage you purchase is a decision to put some thought into, but consider buying as high a limit as you can afford.

Uninsured/Underinsured Motorist coverage

This coverage protects you and your vehicle’s occupants from other motorists when they either have no liability insurance or not enough. Covered claims include hospital bills for your injuries and damage to your Toyota Sequoia.

Because many people only carry the minimum required liability limits, it doesn’t take a major accident to exceed their coverage limits. This is the reason having UM/UIM coverage is a good idea.

Online plus local equals savings

The cheapest 2017 Toyota Sequoia insurance is available both online as well as from independent agents, so you need to shop insurance coverage with both to get a complete price analysis. Some insurance companies don’t offer price quotes online and many times these smaller providers provide coverage only through local independent agencies.

Throughout this article, we presented a lot of tips how to get a better price on 2017 Toyota Sequoia insurance. The key thing to remember is the more you quote insurance coverage, the higher your chance of finding the cheapest insurance coverage. Consumers could even find that the best price on insurance is with a small mutual company. They can often insure niche markets at a lower cost as compared to the big name companies such as Allstate, Geico and Progressive.

When searching for the cheapest insurance coverage quotes, it’s not a good idea to skimp on critical coverages to save a buck or two. In many cases, an insured cut comprehensive coverage or liability limits only to discover later that the savings was not a smart move. The goal is to purchase plenty of coverage at an affordable rate and still be able to protect your assets.

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