2008 Toyota Sequoia Insurance Rates
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UPDATED: Jun 12, 2015
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Average insurance rates for a 2008 Toyota Sequoia are $1,114 a year for full coverage insurance. Comprehensive costs an estimated $206 each year, collision costs $272, and liability costs around $478. Buying a liability-only policy costs as low as $526 a year, with high-risk insurance costing around $2,392. Teen drivers receive the highest rates at $4,378 a year or more.
Annual premium for full coverage: $1,114
Rate estimates for 2008 Toyota Sequoia Insurance
Rate data is compiled from all 50 U.S. states and averaged for all 2008 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 a driver in their 40's, prices range go from as low as $526 for the bare minimum liability coverage to a high rate of $2,392 for a driver who has had serious violations or accidents.
These differences illustrate why all drivers should compare prices for a targeted area and risk profile, instead of making a decision based on price averages.
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 2008 Toyota Sequoia Insurance
Are you tired of being strong-armed each month for car insurance? You are no different than the majority of other car owners. Because you have many companies and agents to choose from, it can be hard to choose the right insurance company.
The purpose of this post is to tell you how to get online quotes and some money-saving tips. If you have car insurance now, you will most likely be able to cut costs considerably using these methods. Drivers just need to know the best way to get comparison rates online.
Automobile Insurance Quotes
All major car insurance companies quote price estimates on the web. Getting online rates is fairly simple as you just type in the amount of coverage you want into the quote form. When the form is submitted, the system collects your credit score and driving record and generates a price based on these factors. This helps simplify price comparisons, but the time it takes to visit different websites and type in the same information is repetitive and time-consuming. But it’s absolutely necessary to perform this step if you are searching for better car insurance pricing.
An easier way to find lower prices is to use a quote form to get prices from a bunch of companies at once. The form is fast, requires much less work on your part, and makes online price comparison much more enjoyable. As soon as the form is sent, your coverage is rated and you can select your choice of the resulting price quotes.
If the quotes result in lower rates, you can simply submit the application and purchase coverage. It just takes a couple of minutes and you will find out if you’re overpaying now.
To find out how much you’re overpaying now, click here to open in a new tab and begin entering your coverage information. If you currently have coverage, we recommend that you enter the coverage information identical to your current policy. This ensures you will receive a price comparison using the same coverage and limits.
Verify you’re getting all your discounts
The cost of insuring your cars can be expensive, but there could be available discounts that can drop the cost substantially. Most are applied when you purchase, but some may not be applied and must be asked about before being credited. If you aren’t receiving every discount you deserve, you are paying more than you should be.
- Multiple Vehicles – Buying insurance for multiple vehicles on one policy qualifies for this discount.
- 55 and Retired – Mature drivers may qualify for a discount up to 10% for Sequoia insurance.
- Multi-policy Discount – If you insure your home and vehicles with one company you may earn at least 10% off all policies.
- Federal Government Employee – Being employed by or retired from a federal job can earn a discount up to 10% for Sequoia insurance with a few car insurance companies.
- Passive Restraints and Air Bags – Vehicles equipped with air bags can qualify for discounts of up to 25% or more.
- Resident Student – Kids in college living away from home attending college and do not have access to a covered vehicle can be insured at a reduced rate.
- Discount for New Cars – Insuring a new car can save up to 30% because new vehicles have to meet stringent safety requirements.
- Homeowners Discount – Being a homeowner may trigger a car insurance policy discount because owning a home is proof that your finances are in order.
- Lower Rates for Military – Having a deployed family member can result in better rates.
Consumers should know that most discounts do not apply to the entire cost. Some only apply to individual premiums such as physical damage coverage or medical payments. So even though they make it sound like you could get a free car insurance policy, it just doesn’t work that way. Any amount of discount will cut your overall premium however.
Car insurance companies that possibly offer these discounts include:
It’s a good idea to ask each insurance company what discounts are available to you. Savings might not apply in your state.
When should I talk to an agent?
When buying proper insurance coverage for your vehicles, there isn’t really a “best” method to buy coverage. Each situation is unique so this has to be addressed. These are some specific questions may help you determine if you could use an agent’s help.
- Do I need rental car coverage?
- What is roadside assistance coverage?
- Do I need motorclub coverage?
- Am I covered when using my vehicle for business?
- What companies insure drivers after a DUI or DWI?
- Is my cargo covered for damage or theft?
If you’re not sure about those questions but a few of them apply then you might want to talk to an insurance agent. To find an agent in your area, take a second and complete this form or go to this page to view a list of companies. It only takes a few minutes and can provide invaluable advice.
What car insurance coverages do you need?
Having a good grasp of your policy can be of help when determining the best coverages for your vehicles. Policy terminology can be ambiguous and coverage can change by endorsement. Listed below are typical coverage types found on the average car insurance policy.
Collision coverages – This pays for damage to your Sequoia resulting from a collision with another car or object. You have to pay a deductible then the remaining damage will be paid by your insurance company.
Collision coverage protects against claims like sustaining damage from a pot hole, colliding with another moving vehicle and sideswiping another vehicle. Paying for collision coverage can be pricey, so analyze the benefit of dropping coverage from lower value vehicles. Drivers also have the option to raise the deductible in order to get cheaper collision rates.
Liability car insurance – Liability insurance protects you from injuries or damage you cause to other people or property by causing an accident. It protects you from legal claims by others, and doesn’t 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. You commonly see limits of 25/50/25 which stand for $25,000 in coverage for each person’s injuries, $50,000 for the entire accident, and property damage coverage for $25,000. Alternatively, you may have one limit called combined single limit (CSL) which combines the three limits into one amount without having the split limit caps.
Liability coverage pays for claims such as emergency aid, medical expenses, attorney fees and repair bills for other people’s vehicles. The amount of liability coverage you purchase is your choice, but consider buying as high a limit as you can afford.
Uninsured Motorist or Underinsured Motorist insurance – Uninsured or Underinsured Motorist coverage protects you and your vehicle’s occupants when the “other guys” do not carry enough liability coverage. This coverage pays for hospital bills for your injuries as well as damage to your Toyota Sequoia.
Due to the fact that many drivers only carry the minimum required liability limits, their limits can quickly be used up. This is the reason having UM/UIM coverage is important protection for you and your family. Usually the UM/UIM limits are set the same as your liablity limits.
Comprehensive coverage (or Other than Collision) – This coverage will pay to fix damage from a wide range of events other than collision. You first have to pay a deductible then the remaining damage will be covered by your comprehensive coverage.
Comprehensive insurance covers things like damage from getting keyed, rock chips in glass, falling objects, hitting a bird and theft. The highest amount you’ll receive from a claim is the actual cash value, so if it’s not worth much more than your deductible it’s probably time to drop comprehensive insurance.
Insurance for medical payments – Personal Injury Protection (PIP) and medical payments coverage provide coverage for bills such as rehabilitation expenses, prosthetic devices, pain medications and doctor visits. They are often utilized in addition to your health insurance plan or if there is no health insurance coverage. It covers not only the driver but also the vehicle occupants and also covers being hit by a car walking across the street. PIP is only offered in select states and gives slightly broader coverage than med pay
Rates by U.S. City
|New York City, NY||$1,758|
|Los Angeles, CA||$1,902|
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||$70|
|5-yr Claim Free||$70|
|Paid in Full/EFT||$42|
Discounts are estimated and may not be available from every company or in every state.