2012 Toyota Tacoma Car Insurance Quotes

Want better auto insurance rates for your Toyota Tacoma? Scraping up a payment for overpriced Toyota Tacoma insurance can take a big chunk out of your checking account and put the squeeze on your family’s finances. Comparing price quotes is free, only takes a few minutes, and is a good way to lower your monthly bill.

Many auto insurance companies vie for your business, so it’s not easy to compare every insurance company and get the best coverage at the best price available.

If you have car insurance now, you stand a good chance to be able to save some money using this information. Finding the best rates is easy if you know what you’re doing. Nevertheless, consumers do need to learn how insurance companies market insurance on the web and apply this information to your search.

Factors influencing Toyota Tacoma insurance rates

Consumers need to have an understanding of the factors that help determine the rates you pay for car insurance. When you know what positively or negatively determines base rates helps enable you to make changes that may reward you with lower car insurance prices.

  • Better credit scores mean better rates – Your credit history is a big factor in your rate calculation. If your credit score is not that good, you could pay less to insure your 2012 Toyota Tacoma by repairing your credit. Consumers who have good credit tend to be less risk to insure than drivers who have lower credit scores.
  • Where do you drive? – The higher the mileage driven each year the higher your rates will be. Most insurance companies apply a rate determined by how the vehicle is used. Cars and trucks not used for work or commuting qualify for better rates than those used for commuting. If your policy improperly rates your Tacoma can result in significantly higher rates. Ask your agent if your car insurance declarations sheet is showing the correct usage for each vehicle.
  • Do you have a high stress job? – Careers like judges, social workers and accountants are shown to have higher rates than average in part from job stress and long work hours. On the flip side, occupations like pilots, athletes and the unemployed pay the least on Tacoma coverage.
  • Lower rates come with age – Young drivers tend to get distracted easily behind the wheel so they pay higher car insurance rates. Having to add a teenage driver onto your car insurance can break the bank. Older drivers are more responsible, tend to file fewer claims and receive fewer citations.
  • One company can mean more discounts – Some companies will award you with lower prices to customers who have multiple policies with them in the form of a multi-policy discount. If you currently are using one company, you may still want to shop around to ensure the best deal.
  • Choose a safe vehicle and save – Vehicles with good safety scores get lower rates. Safe vehicles protect occupants better and better occupant protection translates into savings for insurance companies passed on to you as lower rates. If your Toyota Tacoma has ratings of a minimum four stars on Safercar.gov or an “acceptable” rating on iihs.org it may be receiving lower rates.
  • Your location is important – Choosing to live in a rural area has it’s advantages when insuring your vehicles. Fewer people means fewer accidents as well as less vandalism and auto theft. Drivers in populated areas regularly have congested traffic and a longer drive to work. Higher commute times means higher likelihood of an accident.
  • Careful drivers pay lower rates – A bad driving record has a huge affect on how much you pay. Careful drivers get better rates than people who have multiple driving citations. Only having one moving violation can boost insurance rates forty percent or more. If you have severe violations like reckless driving, hit and run or driving under the influence may find they need to submit a SR-22 form to the state department of motor vehicles in order to drive a vehicle legally.

How to Get Insurance Comparison Quotes

All the larger insurance companies allow you to get price estimates on the web. This process is fairly simple as you simply enter your coverage information as requested by the quote form. Once you submit the form, their rating system gets credit information and your driving record and returns pricing information. This makes it a lot easier to compare rates but the work required to visit a lot of sites and enter the same data into a form is monotonous and tiresome. But it’s very important to get many rate quotes in order to find the lowest possible prices on insurance.

There is a better way!

The quickest way to get multiple rate quotes requires only one form to return rates from several companies at one time. It saves time, requires less work, and makes quoting online much more enjoyable. After your information is entered, your coverage is rated and you are able to buy any one of the quote results. If a lower price is quoted, you can simply submit the application and buy the new coverage. The whole process just takes a couple of minutes and you will know how your current rates stack up.

In order to find out if lower rates are available, click here to open in a new tab and fill out the form. To compare your current rates, we recommend you copy deductibles and limits identical to your current policy. Doing this guarantees you will get rate comparison quotes using the exact same coverages.

Misconceptions in car insurance advertisements

State Farm, Allstate and GEICO constantly bombard you with television and radio advertisements. All the companies make an identical promise that you’ll save big if you switch your policy. How does each company make almost identical claims? It’s all in the numbers.

Insurance companies can use profiling for the type of customer that is profitable for them. For example, a desirable insured could be a mature driver, owns a home, and has great credit. Any new insured who matches those parameters is entitled to the best price and as a result will probably save when switching.

Potential insureds who don’t qualify for this ideal profile will have to pay higher prices and this can result in the customer not buying. Company advertisements say “customers who switch” not “people who quote” save that kind of money. That’s why insurance companies can confidently advertise the savings. Because of the profiling, it is so important to get a wide range of price quotes. It’s not possible to predict the company that will have the lowest Toyota Tacoma insurance rates.

Save with discounts on Toyota Tacoma insurance

Companies that sell car insurance do not list every discount very clearly, so we took the time to find both well-publicized as well as the least known savings tricks you should be using.

  • Accident Waiver – Certain companies will allow you to have one accident before raising your premiums so long as you haven’t had any claims prior to the accident.
  • Payment Method – If you pay your entire premium ahead of time rather than paying monthly you could save 5% or more.
  • No Claims – Claim-free drivers pay less as compared to drivers who are more careless.
  • Clubs and Organizations – Participating in a qualifying organization may earn a discount on car insurance on Tacoma coverage.
  • Save with a New Car – Buying coverage on a new vehicle can save up to 30% compared to insuring an older model.
  • Good Students Pay Less – Getting good grades can get you a discount of up to 25%. The good student discount can last well after school through age 25.
  • Anti-lock Brakes – Cars that have steering control and anti-lock brakes can reduce accidents and earn discounts up to 10%.

It’s important to note that most of the big mark downs will not be given to your bottom line cost. Some only reduce specific coverage prices like collision or personal injury protection. So when it seems like it’s possible to get free car insurance, you’re out of luck.

To see a list of companies who offer car insurance discounts, click here.

Tailor your coverage to you

When it comes to buying the best car insurance coverage for your vehicles, there isn’t really a perfect coverage plan. Coverage needs to be tailored to your specific needs so your insurance should reflect that These are some specific questions might help in determining whether your personal situation would benefit from an agent’s advice.

  • Am I covered when driving a rental car?
  • Do I need an umbrella policy?
  • What vehicles should carry emergency assistance coverage?
  • Is my vehicle covered by my employer’s policy when using it for work?
  • Does my policy cover me when driving someone else’s vehicle?
  • Do I benefit by insuring my home with the same company?
  • Is extra glass coverage worth it?
  • When can my company non-renew my policy?
  • Should I bundle my homeowners policy with my auto?
  • Am I covered when renting a car or should I buy coverage from the car rental agency?

If you don’t know the answers to these questions then you might want to talk to an agent. If you want to speak to an agent in your area, complete this form or click here for a list of car insurance companies in your area.

Insurance coverage considerations

Understanding the coverages of your insurance policy can help you determine which coverages you need and the correct deductibles and limits. The terms used in a policy can be difficult to understand and even agents have difficulty translating policy wording. Shown next are the normal coverages available from insurance companies.

Liability coverages

This provides protection from damage or injury you incur to people or other property. This coverage protects you against other people’s claims. Liability doesn’t cover your injuries or vehicle damage.

Liability coverage has three limits: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. As an example, you may have liability limits of 50/100/50 which stand for a limit of $50,000 per injured person, a limit of $100,000 in injury protection per accident, and a total limit of $50,000 for damage to vehicles and property.

Liability insurance covers claims like court costs, repair costs for stationary objects, medical expenses and legal defense fees. How much liability should you purchase? That is your choice, but it’s cheap coverage so purchase as large an amount as possible.

Collision coverage protection

This will pay to fix damage to your Tacoma 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 can pay for claims like hitting a mailbox, scraping a guard rail and crashing into a ditch. Paying for collision coverage can be pricey, so analyze the benefit of dropping coverage from lower value vehicles. It’s also possible to choose a higher deductible in order to get cheaper collision rates.

Medical payments and PIP coverage

Personal Injury Protection (PIP) and medical payments coverage kick in for expenses like hospital visits, chiropractic care, surgery and dental work. They are used to fill the gap from your health insurance policy or if you do not have health coverage. They cover you and your occupants and also covers being hit by a car walking across the street. PIP coverage is not an option in every state but it provides additional coverages not offered by medical payments coverage

Comprehensive auto coverage

Comprehensive insurance 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 insurance covers claims like falling objects, hitting a bird and damage from getting keyed. The maximum amount your insurance company will pay is the actual cash value, so if the vehicle’s value is low consider dropping full coverage.

UM/UIM (Uninsured/Underinsured Motorist) coverage

Uninsured or Underinsured Motorist coverage protects you and your vehicle’s occupants from other drivers when they are uninsured or don’t have enough coverage. It can pay for hospital bills for your injuries and damage to your Toyota Tacoma.

Since a lot of drivers 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.

Take this to the bank

The cheapest 2012 Toyota Tacoma insurance can be found both online and with local insurance agents, so compare prices from both in order to have the best chance of saving money. A few companies do not offer the ability to get a quote online and many times these small insurance companies only sell through independent insurance agents.

You just read a lot of ways to shop for insurance online. The key thing to remember is the more price quotes you have, the better your chances of lowering your rates. You may even discover the best prices are with a small mutual company. They may cover specific market segments cheaper than the large multi-state companies such as Allstate and Progressive.

More information is available at the links below