2015 Toyota Tacoma Insurance Quotes

Buyers have many options when searching for affordable Toyota Tacoma insurance. You can either waste hours driving around to get rate comparisons or utilize the internet to get rate quotes.

There are more efficient ways to compare auto insurance rates so we’re going to tell you the absolute fastest way to quote coverages for a Toyota and obtain the cheapest rates from both online companies and local agents.

Why your Toyota Tacoma might be costing you more

An important part of buying insurance is that you know the factors that come into play when calculating insurance coverage rates. Having a good understanding of what controls the rates you pay helps enable you to make changes that will entitle you to big savings.

The list below includes a partial list of the pieces that factor into prices.

  • Better credit scores mean better rates – A driver’s credit history is a big factor in determining what you pay for insurance coverage. If your credit rating is not that good, you could potentially save money when insuring your 2015 Toyota Tacoma by improving your rating. People with good credit tend to be more responsible than drivers with lower credit scores.
  • Don’t get talked into coverage you don’t need – There are a lot of add-on coverages that can waste your money on your Tacoma policy. Coverages like roadside assistance, accident forgiveness and membership fees are some examples. These coverages may sound good when you first buy your policy, but your needs may have changed so get rid of them and save.
  • Your stress level may be raising your rates – Did you know your job can affect your rates? Careers like judges, social workers and accountants tend to pay higher rates than average because of job stress and lengthy work days. On the flip side, occupations like pilots, athletes and homemakers have the lowest average rates on Tacoma insurance.
  • You might want pay the small claims yourself – If you file claims often, you can look forward to either a policy non-renewal or much higher rates. Insurance companies generally give better rates to insureds who do not file claims often. Auto insurance is intended for larger claims.
  • Traffic citations inflate rates – Careful drivers have lower premiums compared to drivers with tickets. Even one citation can boost insurance rates by as much as thirty percent. Drivers who have flagrant citations like reckless driving, hit and run or driving under the influence may need to file a SR-22 to the state department of motor vehicles in order to keep their license.
  • Lower rates with optional equipment – Choosing a vehicle with anti-theft technology or alarm system can help bring down rates. Anti-theft features like LoJack tracking devices, vehicle tamper alarm systems or GM’s OnStar system can thwart auto theft.
  • Where you live is a factor – Residing in a rural area has it’s advantages when talking about insurance coverage. Urban drivers tend to have congested traffic and longer commutes to work. Fewer drivers means fewer accidents and a lower car theft rate.
  • Always keep insurance in force – Allowing your insurance coverage policy to lapse will be a fast way to pay more for insurance coverage. And not only will your rates increase, failure to provide proof of insurance might get you a hefty fine and possibly a revoked license.

Car Insurance Quote Comparison

There are a variety of methods to compare 2015 Toyota Tacoma car insurance quotes, but one way is less labor-intensive and much quicker. You can waste a few hours (or days) driving to agents in your area, or you can stay home and use online quoting to quickly compare rates.

Most of the best insurance companies enroll in a system where prospective buyers complete one form, and at least one company returns a competitive quote for coverage. This saves time by eliminating form submissions to each company.

To submit your quote information now, click here (opens in new window).

The single downside to using this type of system is you don’t know exactly the companies you will receive quotes from. If you would rather choose specific providers to compare prices, we put together a list of companies who write car insurance in your area. Click to view list.

It’s up to you which method you use, but ensure you’re using apples-to-apples information for each price quote. If you enter different limits and deductibles on each one then you won’t be able to decipher which rate is best.

Don’t listen to company ads

Consumers get pounded daily by advertisements for cheaper car insurance from the likes of Allstate and Progressive. All the companies make an identical promise that you’ll save big if you switch your coverage to them.

How can each company make the same claim?

Insurance companies can use profiling for the type of driver they prefer to insure. For example, a profitable customer could be a mature driver, owns a home, and has great credit. A driver who matches those parameters will get the preferred rates and as a result will probably cut their rates substantially.

Drivers who don’t qualify for the requirements will be quoted higher premiums and this can result in business not being written. The ad wording is “customers who switch” not “everybody who quotes” save that kind of money. That’s the way companies can make those claims.

This emphasizes why it’s extremely 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.

How to save on Toyota Tacoma insurance

Insuring your vehicles can cost a lot, but you can get discounts that many people don’t even know exist. Certain discounts will be applied when you purchase, but some must be asked about in order for you to get them. If you don’t get every credit possible, you are throwing money away.

  • Anti-lock Brake Discount – Vehicles with anti-lock braking systems can avoid accidents and qualify for as much as a 10% discount.
  • Theft Prevention System – Anti-theft and alarm systems help deter theft and earn discounts up to 10%.
  • Discount for New Cars – Adding a new car to your policy can cost up to 25% less due to better safety requirements for new cars.
  • Air Bag Discount – Cars that have air bags and/or automatic seat belt systems may earn rate discounts of more than 20%.
  • Discount for Good Grades – Performing well in school can get you a discount of up to 25%. Earning this discount can benefit you until age 25.
  • Fewer Miles Equal More Savings – Driving fewer miles could be rewarded with better rates on cars that stay parked.
  • Multiple Cars – Having all your vehicles on one policy can get a discount on all vehicles.
  • Clubs and Organizations – Participating in a professional or civic organization is a good way to get lower rates on car insurance on Tacoma insurance.

Keep in mind that most discount credits are not given to the entire policy premium. Some only apply to the price of certain insurance coverages like physical damage coverage or medical payments. Just because it seems like you can get free auto insurance, it doesn’t quite work that way. Any amount of discount will cut your overall premium however.

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

Tailor your coverage to you

When buying coverage, there really is no “perfect” insurance plan. Every insured’s situation is different.

For instance, these questions may help highlight if your insurance needs would benefit from an agent’s advice.

  • Does insurance cover tools stolen from my truck?
  • Am I better off with higher deductibles on my 2015 Toyota Tacoma?
  • Should I buy only the required minimum liability coverage?
  • Should I drop comprehensive coverage on older vehicles?
  • Does coverage extend to Mexico or Canada?
  • When should I buy a commercial auto policy?
  • How does medical payments coverage work?
  • Do I need replacement cost coverage?
  • Am I covered by my spouse’s policy after a separation?
  • Why am I required to buy high-risk coverage?

If you don’t know the answers to these questions but a few of them apply, you might consider talking to an agent. If you don’t have a local agent, take a second and complete this form. It only takes a few minutes and can provide invaluable advice.

The coverage is in the details

Learning about specific coverages of your policy helps when choosing which coverages you need at the best deductibles and correct limits. The coverage terms in a policy can be ambiguous and even agents have difficulty translating policy wording.

Collision coverage protection

This coverage pays to fix your vehicle from damage resulting from colliding with a stationary object or other vehicle. You first must pay a deductible and then insurance will cover the remainder.

Collision coverage pays for things such as crashing into a ditch, hitting a parking meter, scraping a guard rail and rolling your car. This coverage can be expensive, so consider dropping it from older vehicles. Another option is to choose a higher deductible to bring the cost down.

Insurance for medical payments

Personal Injury Protection (PIP) and medical payments coverage reimburse you for immediate expenses such as dental work, rehabilitation expenses, X-ray expenses and surgery. They are often utilized in addition to your health insurance plan or if you lack health insurance entirely. It covers both the driver and occupants as well as being hit by a car walking across the street. Personal injury protection coverage is not universally available and gives slightly broader coverage than med pay

Liability insurance

This will cover damages or injuries you inflict on people or other property that is your fault. It protects you against other people’s claims. Liability doesn’t cover damage to your own property or vehicle.

Coverage consists of three different limits, bodily injury per person, bodily injury per accident and property damage. As an example, you may have liability limits of 25/50/25 that means you have a limit of $25,000 per injured person, a total of $50,000 of bodily injury coverage per accident, and a total limit of $25,000 for damage to vehicles and property. Alternatively, you may have one number which is a combined single limit which limits claims to one amount and claims can be made without the split limit restrictions.

Liability coverage protects against things such as emergency aid, loss of income and legal defense fees. The amount of liability coverage you purchase is a decision to put some thought into, but it’s cheap coverage so purchase as large an amount as possible.

Uninsured Motorist or Underinsured Motorist insurance

Your UM/UIM coverage protects you and your vehicle from other motorists when they either have no liability insurance or not enough. It can pay for injuries sustained by your vehicle’s occupants and also any damage incurred to your Toyota Tacoma.

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 is important protection for you and your family. Most of the time your uninsured/underinsured motorist coverages do not exceed the liability coverage limits.

Comprehensive coverage (or Other than Collision)

Comprehensive insurance pays to fix your vehicle from damage OTHER than collision with another vehicle or object. A deductible will apply then your comprehensive coverage will pay.

Comprehensive can pay for claims like damage from getting keyed, a tree branch falling on your vehicle, vandalism and hail damage. The most you’ll receive from a claim is the ACV or actual cash value, so if the vehicle’s value is low consider removing comprehensive coverage.

Quote more. Save more.

As you restructure your insurance plan, it’s not a good idea to buy less coverage just to save a little money. There have been many cases where someone sacrificed uninsured motorist or liability limits and found out when filing a claim that the few dollars in savings costed them thousands. The aim is to buy a smart amount of coverage at the best price while not skimping on critical coverages.

We covered a lot of tips how to get a better price on 2015 Toyota Tacoma insurance. The most important thing to understand is the more rate comparisons you have, the more likely it is that you will get a better rate. Drivers may discover the lowest priced insurance coverage comes from an unexpected company.

Cheap insurance can be sourced from both online companies in addition to many insurance agents, and you should compare price quotes from both to have the best selection. Some insurance providers do not provide the ability to get a quote online and usually these small insurance companies provide coverage only through local independent agents.

Helpful articles