2013 Toyota Tundra Car Insurance Quotes – 6 Tips for Cheaper Rates

Searching for lower auto insurance rates for your Toyota Tundra? Are you overwhelmed by the wide range of auto insurance companies? You’re not the only one! Consumers have so many options that it can easily become a challenge to find lower rates.

If you are paying for car insurance now, you stand a good chance to be able to save some money using this strategy. This article will familiarize you with the best way to quote coverages. But consumers do need to know the methods companies use to sell online and use this information to your advantage.

Are you getting all your discounts?

Insurance can cost an arm and a leg, but discounts can save money and there are some available that you may not know about. Larger premium reductions will be automatically applied at the time of quoting, but less common discounts must be inquired about before they will apply.

  • Driver Safety – Completing a course teaching defensive driving skills could cut 5% off your bill if you qualify.
  • Payment Discounts – If you pay your bill all at once instead of monthly or quarterly installments you could save 5% or more.
  • Theft Prevention System – Vehicles with anti-theft systems help deter theft and therefore earn up to a 10% discount.
  • Life Insurance Discount – Select insurance companies reward you with better rates if you take out a life insurance policy as well.
  • No Accidents – Good drivers with no accidents pay less when compared with bad drivers.
  • Paperwork-free – Some insurance companies will discount your bill up to fifty bucks for buying a policy and signing up digitally online.

Drivers should understand that most discount credits are not given to the entire cost. Some only apply to the cost of specific coverages such as comp or med pay. So even though they make it sound like all the discounts add up to a free policy, car insurance companies aren’t that generous. But any discount will cut the amount you have to pay.

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

Finding Insurance Deals

There are a lot of ways to compare insurance quotes, but there is one way that is less time-consuming than others. You can spend your afternoon discussing policy coverages with insurance agencies in your area, or you can utilize online quotes to get rate comparisons in just a few minutes.

Most car insurance companies enroll in a system that enables customers to only type in their quote data once, and at least one company then gives them pricing. This eliminates the need for quotation requests to every company.

To submit your quote information now, click here to open in new window.

The one disadvantage to getting quotes like this is that you can’t choose which companies you will receive quotes from. If you wish to select specific providers to receive pricing from, we have assembled a list of insurance companies in your area. Click here for list of insurance companies.

It’s your choice how you get your quotes, but double check that you are using exactly the same information for each price quote. If each company quotes higher or lower deductibles then you won’t be able to decipher which rate is best. Having just a slight variation in coverages can mean a large discrepancy in price. Just keep in mind that quoting more will improve the odds of getting the best offered rates.

When might I need an agent?

When choosing the best auto insurance coverage, there is no perfect coverage plan. Everyone’s needs are different.

For instance, these questions may help you determine if your insurance needs will benefit from professional help.

  • Is a new car covered when I drive it off the dealer lot?
  • Can I still get insurance after a DUI?
  • Is upholstery damage covered by car insurance?
  • Should I sign the liability waiver when renting a car?
  • Is a fancy paint job covered?
  • Why does it cost so much to insure a teen driver?
  • Will my vehicle be repaired with OEM or aftermarket parts?

If it’s difficult to answer those questions but one or more may apply to you, then you may want to think about talking to a licensed agent. To find lower rates from a local agent, fill out this quick form.

Insurance coverage basics

Having a good grasp of your policy can help you determine the best coverages and proper limits and deductibles. Insurance terms can be confusing and even agents have difficulty translating policy wording.

Collision coverage

Collision coverage covers damage to your Tundra resulting from colliding with an object or car. You first must pay a deductible and then insurance will cover the remainder.

Collision coverage protects against claims such as rolling your car, crashing into a ditch and sideswiping another vehicle. Collision coverage makes up a good portion of your premium, so you might think about dropping it from vehicles that are 8 years or older. Drivers also have the option to choose a higher deductible to get cheaper collision coverage.

Insurance for medical payments

Personal Injury Protection (PIP) and medical payments coverage pay for immediate expenses such as ambulance fees, hospital visits, funeral costs, pain medications and doctor visits. They are often used to fill the gap from your health insurance plan or if you do not have health coverage. It covers not only the driver but also the vehicle occupants in addition to being hit by a car walking across the street. Personal Injury Protection is not universally available and gives slightly broader coverage than med pay


This protects you from damage that occurs to a person or their property by causing an accident. This insurance protects YOU from legal claims by others. It does not cover your injuries or vehicle damage.

Split limit liability has three limits of coverage: 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 $50,000 bodily injury coverage, $100,000 for the entire accident, and a total limit of $50,000 for damage to vehicles and property. Another option is one limit called combined single limit (CSL) which provides one coverage limit without having the split limit caps.

Liability coverage pays for things like emergency aid, medical expenses, repair bills for other people’s vehicles, legal defense fees and bail bonds. How much coverage you buy is your choice, but it’s cheap coverage so purchase as much as you can afford.

Comprehensive coverage (or Other than Collision)

Comprehensive insurance covers damage caused by mother nature, theft, vandalism and other events. You first must pay your deductible and then insurance will cover the rest of the damage.

Comprehensive coverage protects against claims like a tree branch falling on your vehicle, vandalism and damage from getting keyed. The maximum payout a insurance company will pay at claim time is the actual cash value, so if the vehicle’s value is low consider dropping full coverage.

Uninsured Motorist or Underinsured Motorist insurance

This protects you and your vehicle when the “other guys” either are underinsured or have no liability coverage at all. Covered losses include injuries sustained by your vehicle’s occupants as well as your vehicle’s damage.

Since a lot of drivers have only the minimum liability required by law, it doesn’t take a major accident to exceed their coverage limits. For this reason, having high UM/UIM coverages should not be overlooked. Frequently your uninsured/underinsured motorist coverages are identical to your policy’s liability coverage.

Be a smart shopper

Insureds leave their current company for any number of reasons including policy cancellation, unfair underwriting practices, not issuing a premium refund or even delays in paying claims. Regardless of your reason for switching companies, finding a great new company can be pretty painless.

The cheapest 2013 Toyota Tundra insurance is possible both online and also from your neighborhood agents, so compare prices from both to get a complete price analysis. Some insurance providers may not provide online quoting and many times these regional insurance providers only sell through independent insurance agents.

You just learned some good ideas how you can save on insurance. It’s most important to understand that the more you quote, the more likely it is that you will get a better rate. Drivers may discover the most savings is with some of the smallest insurance companies.

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