1997 Toyota Tacoma Insurance Rates – 6 Tricks for Cheaper Quotes

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Jeffrey Johnson graduated summa cum laude from the University of Baltimore School of Law and has worked in legal offices and nonprofits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman University and worked in film, education, and publishing. His professional writing has appeared on sites like The Manifest and Vice, and he is the author of a novel ...

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Written by Jeffrey Johnson
Insurance Lawyer Jeffrey Johnson

UPDATED: May 12, 2022

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No one cherishes buying insurance, especially knowing the cost is too high.

Multiple auto insurance companies compete to insure your vehicles, and it can be difficult to compare rates to find the best rate

You should make it a habit to shop coverage around quite often due to the fact that insurance rates tend to go up over time. Even if you got the lowest price on Tacoma coverage six months ago you will most likely find a better rate today. So forget all the misinformation about insurance because you’re going to get a crash course in how to use online quotes to reduce your cost while increasing coverage.

If you have car insurance now, you should be able to lower your premiums substantially using this strategy. Finding the best rates is not that difficult. But car owners need to have an understanding of the way insurance companies determine prices and use this information to your advantage.

How to Get Insurance Comparison Quotes

There are several ways to compare Toyota Tacoma insurance prices but some are less time-consuming than others. You can waste a few hours (or days) discussing policy coverages with local insurance agents in your area, or you could use the internet to accomplish the same thing much quicker.

Many insurance companies belong to a marketplace where prospective buyers submit their information once, and every company then gives them pricing. This eliminates the need for quotation requests to each company.

To access this free quoting program, click here (opens in new window).

The only downside to using this type of system is you don’t know exactly which providers you want pricing from. So if you want to choose specific providers for rate comparison, we put together a list of insurance companies in your area. Click here for list of insurance companies.

However you get your quotes, double check that you are using the exact same quote information for each comparison quote. If you compare mixed coverages you can’t possibly make an equal comparison. Just a small difference in coverage limits can make a big difference in price. And when price shopping your coverage, more quotes will increase your chances of finding better pricing.

Save money by taking advantage of these six discounts

Car insurance can cost a lot, but companies offer discounts to help offset the cost. Some discounts apply automatically when you complete an application, but a few must be manually applied before you get the savings.

  • Discount for Good Grades – Performing well in school can save 20 to 25%. The good student discount can last well after school through age 25.
  • Resident Student – Youth drivers living away from home attending college and do not have a car can receive lower rates.
  • Multiple Policy Discount – When you have multiple policies with one company you will save up to 20% off your total premium.
  • Lower Rates for Military – Being on active duty in the military could mean lower rates.
  • Senior Discount – Older drivers can possibly qualify for reduced rates on Tacoma coverage.
  • Driver Safety – Taking part in a course in driver safety can save you 5% or more if you qualify.

It’s important to note that many deductions do not apply the whole policy. Most cut the cost of specific coverages such as collision or personal injury protection. Just because you may think it’s possible to get free car insurance, companies wouldn’t make money that way. Any qualifying discounts will reduce your premiums.

Companies that may offer these money-saving discounts include:

Check with each insurance company which discounts you may be entitled to. Discounts may not be available in your area.

When should I use an insurance agent?

When choosing proper insurance coverage, there really is no perfect coverage plan. Everyone’s situation is a little different and a cookie cutter policy won’t apply. Here are some questions about coverages that may help highlight if your situation could use an agent’s help.

  • What if I total my 1997 Toyota Tacoma and owe more than it’s worth?
  • Why does it cost so much to insure a teen driver?
  • What is roadside assistance coverage?
  • Do I pay less if my vehicle is kept in my garage?
  • Does coverage extend to my business vehicle?
  • Is other people’s property covered if stolen from my vehicle?
  • Does my insurance cover my expensive audio equipment?

If you can’t answer these questions then you might want to talk to a licensed agent. If you don’t have a local agent, fill out this quick form or you can also visit this page to select a carrier

Car insurance coverages and their meanings

Knowing the specifics of your car insurance policy helps when choosing the best coverages for your vehicles. The terms used in a policy can be ambiguous and reading a policy is terribly boring. Listed below are typical coverages found on the average car insurance policy.

Uninsured and underinsured coverage

Your UM/UIM coverage protects you and your vehicle when the “other guys” are uninsured or don’t have enough coverage. Covered claims include injuries to you and your family and damage 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. That’s why carrying high Uninsured/Underinsured Motorist coverage is very important. Most of the time your uninsured/underinsured motorist coverages are similar to your liability insurance amounts.

Coverage for medical payments

Med pay and PIP coverage pay for bills for doctor visits, hospital visits and chiropractic care. The coverages can be used to cover expenses not covered by your health insurance program or if you are not covered by health insurance. Coverage applies to both the driver and occupants and also covers if you are hit as a while walking down the street. Personal Injury Protection is only offered in select states but can be used in place of medical payments coverage

Comprehensive coverages

This coverage covers damage OTHER than collision with another vehicle or object. You first must pay your deductible and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive can pay for claims such as a tree branch falling on your vehicle, fire damage and rock chips in glass. The most your car insurance company will pay is the cash value of the vehicle, so if the vehicle is not worth much it’s not worth carrying full coverage.

Auto collision coverage

Collision insurance pays for damage to your Tacoma resulting from colliding with another car or object. You have to pay a deductible and the rest of the damage will be paid by collision coverage.

Collision can pay for things like crashing into a building, hitting a mailbox, backing into a parked car, rolling your car and colliding with a tree. Collision is rather expensive coverage, so consider dropping it from vehicles that are older. It’s also possible to raise the deductible to bring the cost down.

Liability auto insurance

Liability insurance protects you from damage that occurs to a person or their property by causing an accident. It protects YOU from claims by other people. 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. Your policy might show limits of 25/50/25 which stand for $25,000 bodily injury coverage, $50,000 for the entire accident, and property damage coverage for $25,000. Some companies may use one limit called combined single limit (CSL) which provides one coverage limit rather than limiting it on a per person basis.

Liability coverage protects against things like legal defense fees, bail bonds, structural damage and court costs. How much liability coverage do you need? That is your choice, but you should buy as much as you can afford.

One last thing about your coverage

Cheap 1997 Toyota Tacoma insurance can be found online and also from your neighborhood agents, and you should compare price quotes from both to have the best selection. Some companies may not provide online quoting and most of the time these small, regional companies sell through independent agents.

As you go through the steps to switch your coverage, you should never reduce needed coverages to save money. There are too many instances where an accident victim reduced collision coverage and discovered at claim time that it was a big mistake. Your strategy should be to get the best coverage possible for the lowest price while still protecting your assets.

Additional car insurance information can be found below:

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