2017 Toyota Sequoia Insurance Quotes – 5 Tips for Best Rates

Do you get exhausted from wondering where the money will come from to insure your Toyota every month? You have the same problem as many other drivers. You have so many insurers to buy insurance from, and even though it’s nice to have a choice, so many choices can make it hard to find the lowest cost provider.

You need to compare rates yearly because insurance prices are usually higher with each renewal. If you had the best rate for Sequoia coverage two years ago you will most likely find a better premium rate today. You’ll find a ton of advice on auto insurance online, but I’m going to show you some guaranteed methods to quit paying high auto insurance rates.

Finding insurance

There are a lot of ways to shop for insurance, but some are less labor-intensive and much quicker. You could spend the better part of a day discussing policy coverages with agents in your area, or you could save time and use the internet to get the quickest rates.

Most major companies belong to a marketplace where insurance shoppers submit their information once, and each company provides a quote based on that information. This system prevents you from having to do quote requests to each individual insurance company.

To get comparison pricing now click here to start a free quote.

The only downside to doing it this way is that you can’t choose which providers to get pricing from. So if you want to select specific providers to request quotes from, we put together a list of low cost insurance companies in your area. View list of insurance companies.

Take whichever approach you prefer, but make sure you are using identical quote information on every quote. If you compare different limits and deductibles on each one you can’t possibly make a fair rate comparison.

Discounts can really help to save

Companies that sell car insurance don’t necessarily list the complete list of policy discounts very well, so we took the time to find both well-publicized as well as the least known discounts that you may qualify for.

  • Accident Waiver – Not necessarily a discount, but a few companies such as Progressive, Allstate, and Liberty Mutual will let one accident slide before hitting you with a surcharge with the catch being you have to be claim-free before the accident.
  • Discount for Life Insurance – Insurance companies who offer life insurance give a small discount if you purchase life insurance.
  • Clubs and Organizations – Affiliation with certain professional organizations could earn you a nice discount on your bill.
  • No Claims – Claim-free drivers have much lower rates when compared with drivers with a long claim history.
  • Senior Citizen Rates – Drivers that qualify as senior citizens may receive a small decrease in premiums for Sequoia coverage.

Don’t be shocked that many deductions do not apply the the whole policy. Most only apply to the price of certain insurance coverages like collision or personal injury protection. So even though you would think all those discounts means the company will pay you, insurance companies wouldn’t stay in business.

A list of insurance companies and some of the premium reductions they offer include:

  • 21st Century offers discounts for 55 and older, student driver, air bags, homeowners, anti-lock brakes, driver training, and early bird.
  • State Farm may offer discounts for safe vehicle, Drive Safe & Save, good driver, driver’s education, and passive restraint.
  • AAA may have discounts that include good student, pay-in-full, AAA membership discount, anti-theft, good driver, multi-policy, and education and occupation.
  • Liberty Mutual includes discounts for good student, exclusive group savings, teen driver discount, safety features, multi-car, and multi-policy.
  • Progressive has discounts for multi-vehicle, good student, online quote discount, homeowner, and online signing.

Double check with all companies you are considering which discounts they offer. Some of the discounts discussed earlier might not apply in your area. To find insurance companies who offer discounts, follow this link.

Will just any policy work for me?

When it comes to buying adequate coverage for your personal vehicles, there really is no perfect coverage plan. Everyone’s situation is a little different and your policy should reflect that. For example, these questions can aid in determining whether your personal situation would benefit from professional advice.

  • Do I pay less for low miles?
  • Should I rate my 2017 Toyota Sequoia as pleasure use or commute?
  • Is borrowed equipment or tools covered if stolen or damaged?
  • Do I need added coverage for expensive stereo equipment?
  • Am I covered when using my vehicle for business?
  • Is my vehicle covered by my employer’s policy when using it for work?

If it’s difficult to answer those questions, you may need to chat with a licensed insurance agent. To find an agent in your area, take a second and complete this form or you can go here for a list of companies in your area. It’s fast, free and can help protect your family.

Coverages available on your policy

Understanding the coverages of a auto insurance policy aids in choosing the best coverages and the correct deductibles and limits. Policy terminology can be confusing and coverage can change by endorsement. Below you’ll find the normal coverages found on the average auto insurance policy.

Comprehensive auto coverage

This coverage will pay to fix damage caused by mother nature, theft, vandalism and other events. You first have to pay a deductible and then insurance will cover the rest of the damage.

Comprehensive coverage protects against claims such as hitting a deer, theft, damage from a tornado or hurricane and a broken windshield. The highest amount you can receive from a comprehensive claim is the market value of your vehicle, so if it’s not worth much more than your deductible consider removing comprehensive coverage.

Collision coverage

This coverage covers damage to your Sequoia resulting from a collision with an object or car. A deductible applies and then insurance will cover the remainder.

Collision coverage pays for things such as crashing into a building, damaging your car on a curb, hitting a parking meter and rolling your car. Collision is rather expensive coverage, so consider dropping it from vehicles that are older. You can also bump up the deductible to save money on collision insurance.

UM/UIM (Uninsured/Underinsured Motorist) coverage

This coverage gives you protection from other drivers when they do not carry enough liability coverage. It can pay for injuries to you and your family and damage to your Toyota Sequoia.

Since a lot of drivers have only the minimum liability required by law, their limits can quickly be used up. For this reason, having high UM/UIM coverages should not be overlooked.

Medical payments and PIP coverage

Personal Injury Protection (PIP) and medical payments coverage pay for short-term medical expenses such as EMT expenses, doctor visits, pain medications and rehabilitation expenses. They can be used in conjunction with a health insurance program or if there is no health insurance coverage. Medical payments and PIP cover both the driver and occupants as well as any family member struck as a pedestrian. Personal Injury Protection is only offered in select states and gives slightly broader coverage than med pay

Liability insurance

This coverage provides protection from injuries or damage you cause to other people or property in an accident. It protects YOU against other people’s claims. It does not cover your own vehicle damage or injuries.

It consists of three limits, per person bodily injury, per accident bodily injury, and a property damage limit. Your policy might show limits of 50/100/50 which means $50,000 bodily injury coverage, $100,000 for the entire accident, and a limit of $50,000 paid for damaged property.

Liability can pay for claims like repair bills for other people’s vehicles, medical expenses, loss of income, court costs and emergency aid. The amount of liability coverage you purchase is your choice, but consider buying as high a limit as you can afford.

Don’t break the bank

Lower-priced 2017 Toyota Sequoia insurance can be purchased from both online companies and with local insurance agents, and you should be comparing both to have the best rate selection. Some companies may not have the ability to get quotes online and most of the time these small insurance companies only sell through independent agents.

As you go through the steps to switch your coverage, it’s very important that you do not reduce needed coverages to save money. There are too many instances where an accident victim reduced full coverage only to discover later that it was a big error on their part. Your goal is to buy the best coverage you can find at the best cost while not skimping on critical coverages.

Additional information