How Much Does 1999 Toyota Tacoma Car Insurance Cost?

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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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Looking for cheaper auto insurance rates for your Toyota Tacoma? I can’t think of a single person who enjoys paying for auto insurance, especially when the price is too high.

Having so many companies to choose from, it’s nearly impossible to find the lowest price car insurance company.

How to Lower Your Car Insurance Cost

There are a lot of ways to shop for car insurance, but there is one way that is more efficient than others. You can spend countless hours talking about coverages with insurance agencies in your area, or you can utilize online quotes to quickly compare rates.

Many insurance companies belong to an insurance system that enables customers to complete one form, and every company can give them a price for coverage. This saves time by eliminating repetitive form submissions for each company.

To enter your information into the quoting system, click here to open in new window.

The one disadvantage to getting quotes like this is you cannot specify which insurance companies to get quotes from. If you wish to select specific insurance companies to compare prices, we have a listing of the cheapest car insurance companies in your area. Click to view list.

Whichever method you choose, make absolute certain that you use apples-to-apples deductibles and coverage limits for every quote you compare. If you are comparing different deductibles it will be impossible to make an equal comparison. Just a small difference in limits can result in a big premium difference. And when comparing car insurance rates, know that comparing a large number of companies helps you find the best offered rates.

Do you really save 40% when you switch?

Allstate, GEICO and Progressive continually stream television and radio advertisements. All the companies say the same thing that you can save after switching your coverage to them. How does each company make the same claim?

All the different companies have a certain “appetite” for the type of customer that earns them a profit. For example, a driver they prefer could be over the age of 40, has no tickets, and has excellent credit. Any driver who matches those parameters will get the preferred rates and therefore will save a lot of money.

Potential customers who don’t measure up to these standards will be quoted higher prices and ends up with the driver buying from a lower-cost company. The ads state “people who switch” but not “drivers who get quotes” save that much money. This is how insurance companies can confidently make those claims. This emphasizes why you should get quotes from several different companies. Because you never know which auto insurance company will fit your personal profile best.

Take advantage of discounts

Auto insurance companies don’t always advertise all their discounts very clearly, so the following is a list of both the well known and the harder-to-find discounts you could be receiving.

  • Anti-theft Discount – Vehicles with anti-theft systems can help prevent theft and will save you 10% or more.
  • Discount for Swiching Early – Some insurance companies reward drivers for buying a policy prior to your current policy expiring. The savings is around 10%.
  • Homeowners Pay Less – Owning a house may earn you a small savings due to the fact that maintaining a home requires personal responsibility.
  • Multiple Vehicles – Buying coverage for multiple vehicles on the same insurance policy could earn a price break for each car.
  • One Accident Forgiven – Some insurance companies will forgive one accident before hitting you with a surcharge so long as you haven’t had any claims for a set time period.
  • Distant Student – Youth drivers who are attending college without a vehicle on campus may be able to be covered for less.
  • Defensive Driver – Taking a course in driver safety could save 5% or more if your company offers it.
  • Pay Upfront and Save – If paying your policy premium upfront instead of monthly or quarterly installments you may reduce your total bill.
  • Air Bag Discount – Cars that have air bags or automatic seat belts can qualify for discounts of up to 25% or more.
  • Service Members Pay Less – Being deployed with a military unit can result in better rates.

Keep in mind that most discounts do not apply to the entire cost. Some only reduce individual premiums such as comprehensive or collision. Just because it seems like all those discounts means the company will pay you, companies don’t profit that way.

Insurance companies that possibly offer some of the above discounts include:

Before buying, ask each insurance company what discounts are available to you. Some discounts may not apply in every state.

How to know if you need help

When it comes to buying the best insurance coverage coverage for your vehicles, there really is not a best way to insure your cars. Everyone’s situation is a little different and a cookie cutter policy won’t apply. These are some specific questions might help in determining whether your personal situation might need an agent’s assistance.

  • Does having multiple vehicles earn me a discount?
  • Can I afford to pay high deductible claims out of pocket?
  • Should I file a claim if it’s only slightly more than my deductible?
  • Do I have any recourse if my insurance company denies a claim?
  • Is my cargo covered for damage or theft?
  • Do I have coverage when using my vehicle for my home business?
  • When should my teen driver be added to my policy?
  • Is my dog or cat covered if injured in an accident?

If it’s difficult to answer those questions, then you may want to think about talking to an agent. If you don’t have a local agent, fill out this quick form or click here for a list of insurance coverage companies in your area.

Auto insurance coverage considerations

Understanding the coverages of your policy can be of help when determining appropriate coverage at the best deductibles and correct limits. Policy terminology can be confusing and coverage can change by endorsement. Below you’ll find the normal coverages offered by auto insurance companies.

Comprehensive insurance

This pays for damage that is not covered by collision coverage. You first must pay your deductible and then insurance will cover the rest of the damage.

Comprehensive can pay for things like damage from getting keyed, fire damage, vandalism, theft and a broken windshield. The most you can receive from a comprehensive claim is the cash value of the vehicle, so if it’s not worth much more than your deductible consider dropping full coverage.

Uninsured/Underinsured Motorist (UM/UIM)

This provides protection from other drivers when they either are underinsured or have no liability coverage at all. It can pay for injuries to you and your family as well as your vehicle’s damage.

Since a lot of drivers carry very low liability coverage limits, their liability coverage can quickly be exhausted. That’s why carrying high Uninsured/Underinsured Motorist coverage should not be overlooked.

Collision coverage

Collision coverage pays to fix your vehicle from damage resulting from a collision with a stationary object or other vehicle. You will need to pay your deductible and the rest of the damage will be paid by collision coverage.

Collision coverage pays for claims like crashing into a ditch, hitting a parking meter and backing into a parked car. Paying for collision coverage can be pricey, so consider dropping it from lower value vehicles. Another option is to bump up the deductible to bring the cost down.

Liability coverages

Liability insurance can cover damages or injuries you inflict on people or other property in an accident. This insurance protects YOU from claims by other people, and doesn’t cover your own vehicle damage or injuries.

It consists of three limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You commonly see limits of 50/100/50 that means you have $50,000 in coverage for each person’s injuries, a per accident bodily injury limit of $100,000, and property damage coverage for $50,000.

Liability coverage protects against things such as structural damage, loss of income, attorney fees, medical expenses and repair costs for stationary objects. How much coverage you buy is a personal decision, but consider buying as high a limit as you can afford.

Med pay and Personal Injury Protection (PIP)

Medical payments and Personal Injury Protection insurance kick in for bills like prosthetic devices, doctor visits, pain medications and hospital visits. They can be used to fill the gap from your health insurance program or if you lack health insurance entirely. They cover both the driver and occupants and also covers any family member struck as a pedestrian. PIP coverage is only offered in select states and may carry a deductible

Coverage on a shoestring budget

As you prepare to switch companies, never buy lower coverage limits just to save a few bucks. In many instances, someone dropped liability coverage limits and discovered at claim time they didn’t have enough coverage. Your aim should be to buy enough coverage at a price you can afford while not skimping on critical coverages.

We covered a lot of techniques to reduce 1999 Toyota Tacoma insurance prices online. The key concept to understand is the more rate quotes you have, the better your comparison will be. You may even find the best price on auto insurance is with the least-expected company. These smaller insurers often have lower prices on specific markets as compared to the big name companies such as State Farm or Progressive.

The cheapest insurance is available from both online companies in addition to many insurance agents, and you should be comparing both so you have a total pricing picture. Some auto insurance companies do not provide online quoting and usually these smaller companies provide coverage only through local independent agents.

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