2004 Toyota Tacoma Insurance Rates – 9 Tricks for Cheapest 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: Dec 3, 2021

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Want the cheapest car insurance rates for your Toyota Tacoma? Trying to find the cheapest insurance for a Toyota Tacoma could be difficult, but you can use the following methods to make it easier. There is a better way to buy car insurance and you need to know the best way to price shop coverage on a Toyota and obtain the lowest possible price from local insurance agents and online providers.

If you are insured now or are just looking to switch companies, you can follow these tips to reduce the price you pay and still get good coverage. Shopping for the best auto insurance is simple if you know the tricks. Vehicle owners just need to learn the most efficient way to compare price quotes over the internet.

Finding Auto Insurance

Shopping for lower auto insurance rates is a ton of work if you aren’t aware of the most efficient way. You can spend your afternoon discussing policy coverages with agents in your area, or you can stay home and use the internet to accomplish the same thing much quicker.

Most of the larger companies participate in an industry program that allows shoppers to enter their coverage request one time, and each company returns a competitive quote for coverage. This saves time by eliminating quotation requests for every auto insurance company.

To compare 2004 Toyota Tacoma rates now click to open in new window.

It’s your choice how you get your quotes, but compare exactly the same coverage limits and deductibles for every company. If you compare different liability limits then you won’t be able to make a fair comparison for your Toyota Tacoma.

Save big with these nine discounts

Companies offering auto insurance don’t always publicize every available discount very clearly, so we took the time to find some of the best known as well as the least known discounts you could be receiving. If you’re not getting every credit available, you’re paying more than you need to.

  • Senior Citizens – Older drivers may receive a discount up to 10% on Tacoma insurance.
  • Drivers Ed for Students – Require your teen driver to successfully complete driver’s ed class if it’s offered in school.
  • Accident Free – Claim-free drivers can earn big discounts as compared to accident-prone drivers.
  • Good Student – This discount can be rewarded with saving of up to 25%. This discount can apply up to age 25.
  • Employee of Federal Government – Simply working for the federal government could cut as much as 10% off on Tacoma insurance with a few car insurance companies.
  • Discounts for Safe Drivers – Drivers who don’t get into accidents may receive a discount up to 45% less on Tacoma insurance than drivers with accidents.
  • Sign Online – A handful of insurance companies give back up to $50 simply for signing online.
  • Early Switch Discount – Some companies give discounts for buying a policy prior to your current policy expiring. It’s a savings of about 10%.
  • Theft Prevention Discount – Anti-theft and alarm systems prevent vehicle theft and qualify for as much as a 10% discount.

Consumers should know that some credits don’t apply to the overall cost of the policy. Most only apply to individual premiums such as liability, collision or medical payments. So even though they make it sound like all the discounts add up to a free policy, companies don’t profit that way.

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

  • State Farm
  • GEICO
  • Allstate
  • SAFECO
  • Farm Bureau
  • Progressive
  • AAA

Double check with every prospective company how you can save money. Discounts might not apply in every state.

But I don’t know anything about car insurance

When it comes to buying the best auto insurance coverage for your personal vehicles, there is no cookie cutter policy. Each situation is unique.

For example, these questions can aid in determining whether you may require specific advice.

  • Should I bundle my homeowners policy with my auto?
  • Do I have coverage when pulling a U-Haul trailer?
  • Can I afford low physical damage deductibles?
  • Is a fancy paint job covered?
  • Is a blown tire covered by insurance?
  • Do I benefit by insuring my home with the same company?
  • Can I rent a car in Mexico?
  • Am I missing any policy discounts?

If it’s difficult to answer those questions but a few of them apply then you might want to talk to an agent. If you want to speak to an agent in your area, fill out this quick form. It’s fast, free and may give you better protection.

Insurance ads bend the truth

Consumers can’t ignore all the ads for cheaper car insurance from the likes of State Farm, GEICO and Progressive. All the companies make the same claim that you’ll save big after switching your coverage to them.

How can each company claim to save you money?

Insurance companies have a certain “appetite” for the type of driver that makes them money. An example of a preferred risk might be between 25 and 40, has no prior claims, and has excellent credit. A customer who matches those parameters gets the lowest rates and therefore will save quite a bit of money when switching.

Consumers who don’t measure up to these standards will be quoted more money and ends up with the customer not buying. The ad wording is “people who switch” but not “drivers who get quotes” save that much money. That is how companies can make the claims of big savings. This emphasizes why drivers should compare as many rates as you can. It is impossible to predict which insurance company will fit your personal profile best.

Information about specific coverages

Having a good grasp of car insurance can be of help when determining appropriate coverage at the best deductibles and correct limits. The coverage terms in a policy can be ambiguous and reading a policy is terribly boring.

Comprehensive coverages

This 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 coverage pays for things like a broken windshield, theft, fire damage, falling objects and damage from flooding. The maximum amount a car insurance company will pay at claim time is the ACV or actual cash value, so if it’s not worth much more than your deductible consider dropping full coverage.

Uninsured and underinsured coverage

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

Since many drivers have only the minimum liability required by law, it only takes a small accident to exceed their coverage. For this reason, having high UM/UIM coverages is important protection for you and your family.

Auto collision coverage

This coverage pays for damage to your Tacoma resulting from colliding with another car or object. You will need to pay your deductible then your collision coverage will kick in.

Collision coverage pays for things like sideswiping another vehicle, colliding with another moving vehicle, hitting a parking meter and crashing into a ditch. Collision is rather expensive coverage, so consider removing coverage from older vehicles. Another option is to bump up the deductible to save money on collision insurance.

Coverage for medical payments

Med pay and PIP coverage reimburse you for short-term medical expenses such as prosthetic devices, hospital visits, surgery and pain medications. They are often used to fill the gap from your health insurance policy or if you are not covered by health insurance. It covers both the driver and occupants and will also cover if you are hit as a while walking down the street. Personal injury protection coverage is not available in all states and gives slightly broader coverage than med pay

Auto liability

Liability coverage protects you from injuries or damage you cause to other’s property or people. Liability coverage has three limits: bodily injury per person, bodily injury per accident and property damage. You might see policy limits of 50/100/50 that translate to $50,000 in coverage for each person’s injuries, $100,000 for the entire accident, and a limit of $50,000 paid for damaged property.

Liability coverage protects against claims such as repair costs for stationary objects, attorney fees, court costs, emergency aid and medical expenses. The amount of liability coverage you purchase is a decision to put some thought into, but buy as high a limit as you can afford.

More effort can pay off

When trying to cut insurance costs, you should never buy poor coverage just to save money. Too many times, an accident victim reduced full coverage and discovered at claim time that the savings was not a smart move. Your strategy should be to get the best coverage possible at a price you can afford while not skimping on critical coverages.

People leave their current company for a number of reasons such as denial of a claim, questionable increases in premium, being labeled a high risk driver or even delays in paying claims. Regardless of your reason, switching insurance companies can be less work than you think.

Cheap 2004 Toyota Tacoma insurance is available from both online companies as well as from independent agents, so compare prices from both in order to have the best chance of saving money. There are still a few companies who don’t offer you the ability to get quotes online and usually these smaller companies provide coverage only through local independent agents.

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