1998 Toyota Tacoma Insurance Quotes – 8 Policy Discounts

Want the cheapest auto insurance rates for your Toyota Tacoma? Finding affordable auto insurance can be hard for beginners to shopping for insurance online. There are so many options available that it can easily become a challenge to find lower rates.

Smart consumers take time to take a look at other company’s rates on a regular basis because insurance rates are usually higher with each renewal. Even if you got the best deal on Tacoma insurance a few years ago other companies may now be cheaper. Forget anything you know (or think you know) about auto insurance because you’re about to learn one of the best ways to reduce your cost while improving coverage.

The method we recommend to compare rate quotes is to know most of the larger companies participate in a system to provide you with a free rate quote. To start a quote, the only thing you need to do is give them some information including how many miles driven, if a SR-22 is required, how much school you completed, and an estimate of your credit level. That rating data is instantly provided to multiple companies and you receive quotes instantly.

To find lower rates now, click here then complete the form.

Discounts are available to cut your rates

Companies do not list every available discount in an easy-to-find place, so we researched some of the best known and the more hidden savings tricks you should be using.

  • Driver’s Ed – Require your teen driver to complete a driver education course in school.
  • Federal Employees – Simply working for the federal government can earn a discount up to 10% on Tacoma insurance with a few insurance companies.
  • Paperless Signup – A handful of insurance companies will discount your bill up to fifty bucks for buying your policy online.
  • Discount for Good Grades – This discount can get you a discount of up to 25%. The discount lasts up to age 25.
  • Claim Free – Good drivers with no accidents can save substantially compared to accident-prone drivers.
  • Anti-theft System – Vehicles with anti-theft systems help deter theft and therefore earn up to a 10% discount.
  • Seat Belts Save – Drivers who require all occupants to use their safety belts can save 10% or more on the medical payments or PIP coverage costs.
  • Early Signing – Select companies give a discount for switching policies prior to your current policy expiration. This can save 10% or more.

As a disclaimer on discounts, most discount credits are not given the the whole policy. Most only cut individual premiums such as comp or med pay. So when the math indicates adding up those discounts means a free policy, you’re out of luck.

Insurance companies that possibly offer these discounts include:

Double check with all companies you are considering what discounts are available to you. Savings might not be offered everywhere.

Everyone needs different coverages

When it comes to buying adequate coverage for your personal vehicles, there is no “perfect” insurance plan. Each situation is unique.

For example, these questions might help in determining if your insurance needs would benefit from professional advice.

  • When would I need rental car insurance?
  • What if I don’t agree with a claim settlement offer?
  • What can I do if my company won’t pay a claim?
  • Am I covered when renting a car or should I buy coverage from the car rental agency?
  • Does insurance cover tools stolen from my truck?
  • When can I cancel my policy?
  • What is an SR-22 filing?
  • Can my teen driver be rated on a liability-only vehicle?
  • What exactly is covered by my policy?
  • Am I covered by my employer’s commercial auto policy when driving my personal car for business?

If you can’t answer these questions, you might consider talking to an agent. To find an agent in your area, simply complete this short form.

The coverage is in the details

Having a good grasp of insurance helps when choosing the right coverages and the correct deductibles and limits. The coverage terms in a policy can be impossible to understand and reading a policy is terribly boring.

Comprehensive (Other than Collision) – This coverage will pay to fix damage OTHER than collision with another vehicle or object. A deductible will apply then the remaining damage will be covered by your comprehensive coverage.

Comprehensive insurance covers claims such as vandalism, a tree branch falling on your vehicle, hail damage, hitting a bird and damage from getting keyed. The most you’ll receive from a claim is the cash value of the vehicle, so if the vehicle is not worth much it’s probably time to drop comprehensive insurance.

Collision – This coverage pays to fix your vehicle from damage resulting from colliding with a stationary object or other vehicle. A deductible applies and the rest of the damage will be paid by collision coverage.

Collision insurance covers things like scraping a guard rail, colliding with another moving vehicle, hitting a parking meter, damaging your car on a curb and backing into a parked car. Collision is rather expensive coverage, so consider dropping it from vehicles that are older. You can also increase the deductible to bring the cost down.

Protection from uninsured/underinsured drivers – This protects you and your vehicle from other motorists when they either are underinsured or have no liability coverage at all. Covered claims include injuries to you and your family as well as your vehicle’s damage.

Since many drivers have only the minimum liability required by law, it doesn’t take a major accident to exceed their coverage limits. That’s why carrying high Uninsured/Underinsured Motorist coverage is very important.

Medical expense insurance – Medical payments and Personal Injury Protection insurance reimburse you for short-term medical expenses for pain medications, rehabilitation expenses and ambulance fees. They are utilized in addition to your health insurance policy or if you are not covered by health insurance. Coverage applies to you and your occupants and also covers any family member struck as a pedestrian. Personal injury protection coverage is not available in all states but it provides additional coverages not offered by medical payments coverage

Auto liability insurance – Liability coverage will cover injuries or damage you cause to other’s property or people by causing an accident. Split limit liability has three limits of coverage: bodily injury per person, bodily injury per accident and property damage. Your policy might show policy limits of 50/100/50 that means you have $50,000 bodily injury coverage, a total of $100,000 of bodily injury coverage per accident, and a limit of $50,000 paid for damaged property.

Liability coverage protects against claims such as funeral expenses, bail bonds, medical expenses and repair costs for stationary objects. The amount of liability coverage you purchase is a decision to put some thought into, but you should buy as much as you can afford.