2005 Toyota Sequoia Insurance Rates
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UPDATED: Jun 12, 2015
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Average insurance rates for a 2005 Toyota Sequoia are $1,002 a year for full coverage insurance. Comprehensive costs an estimated $174 a year, collision insurance costs $202, and liability costs $468. Buying a liability-only policy costs as little as $518 a year, and high-risk insurance costs around $2,150. Teenage drivers receive the highest rates at up to $4,024 a year.
Annual premium for full coverage: $1,002
Rate estimates for 2005 Toyota Sequoia Insurance
Rate data is compiled from all 50 U.S. states and averaged for all 2005 Toyota Sequoia models. Rates are based on a 40-year-old male driver, $500 comprehensive and collision deductibles, and a clean driving record. Remaining premium consists of UM/UIM coverage, Medical/PIP, and policy fees.
Price Range by Coverage and Risk
For the average driver, prices range range from as low as $518 for the bare minimum liability coverage to a high of $2,150 for a driver that may need high-risk insurance.
These differences illustrate why it is important for drivers to compare rates for a targeted area and risk profile, instead of making a decision based on average rates.
Use the form below to get rates for your location.
Enter your zip code below to view companies based on your location that have cheap auto insurance rates.
Recommended Companies for Cheap 2005 Toyota Sequoia Insurance
Locating the cheapest insurance for a new or used Toyota Sequoia can be a painful process, but you can follow a few tricks to save time.
There is a right way and a wrong way to find auto insurance online so you’re going to learn the absolute fastest way to price shop coverage for a new or used Toyota and locate the lowest possible price.
It’s smart to take a look at other company’s rates every six months because prices change frequently. Just because you had the best rates for Sequoia insurance six months ago other companies may now be cheaper. There is a lot of bad advice regarding auto insurance online but we’re going to give you some excellent ideas to reduce your auto insurance bill.
Free Car Insurance Quotes
Getting a cheaper price on 2005 Toyota Sequoia insurance is actually quite simple. Drivers just need to spend a few minutes on the computer to compare rate quotes provided by online insurance companies. It is quite easy and can be accomplished in just a few minutes using one of these methods.
- The most efficient way to get quotes for comparison is to use a rate comparison form (click to open form in new window). This type of form eliminates the need for boring form submissions for each company. Filling out one form will get you price quotes from car insurance companies with the best prices. This is perfect if you don’t have a lot of time.
- A more time consuming way to compare prices consists of going to each individual company website and request a quote. For instance, we’ll assume you want to compare Allstate, Safeco and Farmers. To get each rate you have to spend time on each company’s site to enter your coverage information, which is why the first method is more popular. For a list of links to companies insuring cars in your area, click here.
- The hardest way to compare rates is driving to insurance agents’ offices. The ability to buy insurance online has reduced the need for local agents unless you want the personal advice only provided by licensed agents. However, consumers can comparison shop online and get advice from an agent in your area. We’ll cover that shortly.
It’s up to you how you get prices quotes, just ensure you’re using apples-to-apples deductibles and coverage limits on every quote. If you use differing limits you will not be able to make an equal comparison.
Insurance agents can help
When it comes to buying coverage, there isn’t really a perfect coverage plan. Each situation is unique.
For instance, these questions may help highlight if you could use an agent’s help.
- Can I rent a car in Mexico?
- What vehicles should carry emergency assistance coverage?
- At what point should I drop full coverage?
- What should my uninsured motorist coverage limits be in my state?
- Why do I need rental car insurance?
- Are all vehicle passengers covered by medical payments coverage?
If you’re not sure about those questions but you think they might apply to your situation then you might want to talk to a licensed insurance agent. If you want to speak to an agent in your area, take a second and complete this form. It’s fast, doesn’t cost anything and you can get the answers you need.
Insurance coverages and their meanings
Having a good grasp of insurance can help you determine appropriate coverage at the best deductibles and correct limits. Policy terminology can be ambiguous and reading a policy is terribly boring.
Insurance for medical payments
Coverage for medical payments and/or PIP reimburse you for immediate expenses such as hospital visits, prosthetic devices and X-ray expenses. The coverages can be used to fill the gap from your health insurance plan or if you do not have health coverage. It covers you and your occupants in addition to getting struck while a pedestrian. Personal injury protection coverage is not universally available but can be used in place of medical payments coverage
Comprehensive coverage (or Other than Collision)
Comprehensive insurance pays to fix your vehicle from damage from a wide range of events other than collision. A deductible will apply and then insurance will cover the rest of the damage.
Comprehensive can pay for claims like a tree branch falling on your vehicle, hitting a deer, vandalism, theft and fire damage. The maximum amount a insurance company will pay at claim time is the cash value of the vehicle, so if the vehicle’s value is low consider dropping full coverage.
Liability coverage protects you from damage or injury you incur to other’s property or people that is your fault. It protects you against claims from other people. 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. You might see policy limits of 100/300/100 that means you have a limit of $100,000 per injured person, $300,000 for the entire accident, and a limit of $100,000 paid for damaged property. Alternatively, you may have one limit called combined single limit (CSL) that pays claims from the same limit with no separate limits for injury or property damage.
Liability insurance covers claims like loss of income, repair bills for other people’s vehicles, bail bonds and medical services. The amount of liability coverage you purchase is a decision to put some thought into, but buy as large an amount as possible.
Uninsured Motorist or Underinsured Motorist insurance
Uninsured or Underinsured Motorist coverage gives you protection from other motorists when they either are underinsured or have no liability coverage at all. This coverage pays for injuries sustained by your vehicle’s occupants as well as your vehicle’s damage.
Since a lot of drivers only purchase the least amount of liability that is required, their liability coverage can quickly be exhausted. For this reason, having high UM/UIM coverages is a good idea. Usually these coverages are identical to your policy’s liability coverage.
Collision coverage pays for damage to your Sequoia resulting from a collision with another car or object. You have to pay a deductible then your collision coverage will kick in.
Collision can pay for things such as crashing into a ditch, colliding with another moving vehicle, sustaining damage from a pot hole, damaging your car on a curb and sideswiping another vehicle. This coverage can be expensive, so consider removing coverage from lower value vehicles. It’s also possible to raise the deductible to save money on collision insurance.
Rates by U.S. City
|New York City, NY||$1,590|
|Los Angeles, CA||$1,713|
Need a specific model?
Choose your model and trim below
Rates by Driver Age
Full coverage, $500 deductibles
Rates by Deductible
Full coverage, driver age 40
Rates by Liability Limit
Full coverage, driver age 40
Rates for High Risk Drivers
Full coverage, $500 deductibles, two speeding tickets, and one at-fault accident
If a financial responsibility filing is required, the additional charge below may also apply.
Potential Rate Discounts
If you qualify for discounts, you may save the amounts shown below.
|5-yr Accident Free||$60|
|5-yr Claim Free||$62|
|Paid in Full/EFT||$35|
Discounts are estimated and may not be available from every company or in every state.