View 2012 Toyota Tundra Car Insurance Cost

Trying to find lower car insurance rates for your Toyota Tundra? Are you regretting the purchase of overpriced car insurance? Trust us when we tell you you’re not alone.

Due to the increasing number of car insurance companies to choose from, it can be challenging to pick a lower cost insurer.

Finding the best rates is not rocket science. Essentially every driver who buys insurance will more than likely be able to lower their premiums. But car owners benefit from understanding how the larger insurance companies sell online because it can help you find the best coverage.

The most recommended method to compare policy rates is to know most of the bigger providers participate in online systems to quote your coverage. To get started, all you need to do is provide information like if you are currently licensed, whether or not you need a SR-22, whether your vehicle is owned or leased, and coverage limits. Your information is instantly submitted to many of the top insurers and they return quotes almost instantly.

To compare multiple company rates now, click here and find out if lower rates are available.

Car insurance companies offer many types of discounts

Car insurance is easily one of your largest bills, but you might already qualify for some discounts that could help you make your next renewal payment. Some discounts will apply at the time you complete a quote, but lesser-known reductions have to be asked for in order for you to get them.

  • College Student – who are attending college and won’t have access to an insured vehicle may be able to be covered for less.
  • Buy New and Save – Putting coverage on a new car is cheaper because newer models keep occupants safer.
  • Good Grades Discount – Excelling in school could provide a savings of up to 20% or more. Earning this discount can benefit you up until you turn 25.
  • Discounts for Federal Employees – Employees or retirees of the government could cut as much as 10% off on Tundra coverage with a few car insurance companies.
  • Accident Waiver – Not necessarily a discount, but a handful of insurance companies will turn a blind eye to one accident before your rates go up as long as you don’t have any claims prior to the accident.
  • Anti-theft Discount – Cars optioned with advanced anti-theft systems are stolen less frequently and will qualify for a discount on a car insurance quote.

We need to note that most discounts do not apply the the whole policy. A few only apply to individual premiums such as comp or med pay. Even though it appears having all the discounts means you get insurance for free, nobody gets a free ride.

A few of the larger companies and some of the premium reductions they offer include:

  • Travelers discounts include early quote, home ownership, hybrid/electric vehicle, continuous insurance, and payment discounts.
  • 21st Century offers discounts for automatic seat belts, air bags, anti-lock brakes, teen driver, 55 and older, and defensive driver.
  • State Farm may include discounts for good student, multiple autos, accident-free, Drive Safe & Save, driver’s education, and safe vehicle.
  • GEICO offers discounts including multi-vehicle, military active duty, anti-theft, five-year accident-free, anti-lock brakes, seat belt use, and multi-policy.
  • SAFECO policyholders can earn discounts including homeowner, safe driver, drive less, anti-theft, anti-lock brakes, teen safe driver, and teen safety rewards.
  • AAA offers premium reductions for good student, pay-in-full, anti-theft, AAA membership discount, multi-policy, multi-car, and education and occupation.

If you need the cheapest car insurance quotes, ask every company to give you their best rates. Some of the earlier mentioned discounts might not be offered in your area.

Do I just need basic coverages?

When it comes to buying adequate coverage, there really is not a “perfect” insurance plan. Every situation is different so your insurance should reflect that Here are some questions about coverages that can help discover whether or not you might need an agent’s assistance.

  • Is my teenager covered with friends in the car?
  • Are my friends covered when driving my car?
  • Is pleasure use cheaper than using my 2012 Toyota Tundra to commute?
  • Do I need an umbrella policy?
  • Where can I find high-risk insurance?
  • Am I getting all the discounts available?

If you don’t know the answers to these questions, you may need to chat with a licensed agent. If you don’t have a local agent, simply complete this short form or you can also visit this page to select a carrier

Why your insurance premiums might be higher

Lots of factors are taken into consideration when you quote your car insurance policy. Most are fairly basic such as your driving history, although some other factors are more obscure such as your credit history or your vehicle rating.

Listed below are most of the major factors utilized by car insurance companies to help set your rates.

  • Women pay lower prices – Statistics have proven females are less aggressive when driving. However, don’t assume that males are worse at driving than females. Both genders tend to get into accidents at a similar rate, but the men cause more damage. Men also tend to get cited for more serious violations like driving under the influence (DUI). Youthful male drivers generally have the highest accident percentage and thus pay the highest rates.
  • Having a spouse reduces risk – Your spouse actually saves money when buying insurance coverage. It generally demonstrates drivers are less irresponsible it has been statistically shown that married drivers tend to have fewer serious accidents.
  • Your job is a factor – Jobs like fire fighters, business owners and miners generally have higher premiums than the average policyholder in part from job stress and lots of time spent away from family. Other jobs like professors, athletes and the unemployed pay the least on Tundra coverage.
  • Use one insurance company and save – Some companies allow discounts to clients who consolidate policies with them. It’s known as a multi-policy discount. The discount can be ten or even up to twenty percent in some cases. Even if you already get this discount, drivers will still want to compare rates to guarantee you are still saving the most. It’s possible to still save money even if you insure with multiple companies
  • Cars with good safety ratings means cheaper insurance – Vehicles with good safety scores tend to have better insurance rates. Highly rated vehicles reduce injuries and better occupant protection translates into savings for insurance companies and more competitive rates for policyholders.
  • Lower prices with alarms and GPS tracking – Choosing a vehicle with advanced anti-theft systems can help lower your rates. Theft deterrent systems such as GM’s OnStar, tamper alarm systems and vehicle immobilizers all hinder car theft and help bring rates down.

Specific coverages for a Toyota Tundra

Having a good grasp of a auto insurance policy aids in choosing the best coverages and the correct deductibles and limits. The terms used in a policy can be ambiguous and coverage can change by endorsement. Shown next are typical coverages offered by auto insurance companies.

Comprehensive protection

This coverage 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 hitting a deer, vandalism, falling objects and hail damage. The highest amount a auto insurance company will pay at claim time is the cash value of the vehicle, so if the vehicle is not worth much consider removing comprehensive coverage.

Uninsured or underinsured coverage

This gives you protection from other drivers when they are uninsured or don’t have enough coverage. Covered losses include hospital bills for your injuries and damage to your Toyota Tundra.

Due to the fact that many drivers only purchase the least amount of liability that is required, it doesn’t take a major accident to exceed their coverage limits. This is the reason having UM/UIM coverage should not be overlooked.

Liability coverage

Liability insurance can cover injuries or damage you cause to a person or their property in an accident. It protects YOU against other people’s claims, and does not provide coverage for damage to your own property or vehicle.

Coverage consists of three different limits, bodily injury per person, bodily injury per accident and property damage. Your policy might show limits of 100/300/100 which stand for a $100,000 limit per person for injuries, a total of $300,000 of bodily injury coverage per accident, and $100,000 of coverage for damaged propery.

Liability coverage pays for claims like repair costs for stationary objects, bail bonds and pain and suffering. How much liability should you purchase? That is your choice, but consider buying higher limits if possible.

Coverage for collisions

Collision insurance pays for damage to your Tundra resulting from a collision with a stationary object or other vehicle. You first must pay a deductible then your collision coverage will kick in.

Collision coverage protects against claims like sideswiping another vehicle, colliding with a tree, colliding with another moving vehicle, scraping a guard rail and backing into a parked car. Collision coverage makes up a good portion of your premium, so consider removing coverage from lower value vehicles. It’s also possible to raise the deductible to bring the cost down.

Medical expense coverage

Personal Injury Protection (PIP) and medical payments coverage pay for short-term medical expenses for things like pain medications, hospital visits, surgery, X-ray expenses and dental work. The coverages can be used in conjunction with a health insurance program or if you lack health insurance entirely. Medical payments and PIP 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 is only offered in select states and gives slightly broader coverage than med pay

Cheaper insurance is a realistic goal

We covered many ways to shop for 2012 Toyota Tundra insurance online. The key thing to remember is the more providers you compare, the higher your chance of finding cheap car insurance. You may even discover the lowest rates are with some of the smallest insurance companies. These companies may often insure only within specific states and give getter rates than the large multi-state companies such as Allstate and Progressive.

When searching for cheap car insurance quotes, it’s a bad idea to skimp on critical coverages to save a buck or two. There are too many instances where an insured dropped collision coverage only to find out that the savings was not a smart move. The goal is to find the BEST coverage at the best cost.

More detailed auto insurance information is available in the articles below: