Cheapest 2013 Toyota Tacoma Insurance Rates in 2023

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Jeffrey Johnson

Insurance Lawyer

Jeffrey Johnson is a legal writer with a focus on personal injury. He has worked on personal injury and sovereign immunity litigation in addition to experience in family, estate, and criminal law. He earned a J.D. from the University of Baltimore and has worked in legal offices and non-profits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman Univer...

Insurance Lawyer

UPDATED: Jun 5, 2023

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Toyota Tacoma insurance

Trying to find lower insurance rates for your Toyota Tacoma? Are you overwhelmed by the dozens of insurance companies? You have a lot of company. There are so many companies to choose from that it can easily become a big hassle to find the lowest price.

It’s important to check insurance prices before your policy renews since rates are adjusted regularly by insurance companies. Despite the fact that you may have had the best price for Tacoma coverage a year ago you can probably find a lower rate today. Ignore everything you know about insurance because you’re about to learn the best way to find the best coverage while lowering your premiums.

Do you qualify for discounts?

Companies don’t always list all their discounts very well, so here is a list both the well known and the more hidden car insurance savings.

  • Anti-lock Brake System – Cars that have steering control and anti-lock brakes prevent accidents and will save you 10% or more.
  • New Car Discount – Buying coverage on a new vehicle is cheaper because new vehicles have to meet stringent safety requirements.
  • Good Student Discount – Getting good grades can get you a discount of up to 25%. Earning this discount can benefit you well after school through age 25.
  • Seat Belts Save – Drivers who require all occupants to use a seat belt could cut 10% or more on the medical payments or PIP coverage costs.
  • Senior Discount – If you’re over the age of 55, you may receive a discount up to 10% for Tacoma coverage.
  • Organization Discounts – Affiliation with a professional or civic organization is a good way to get lower rates when buying car insurance for Tacoma coverage.
  • Fewer Miles Equal More Savings – Driving fewer miles can earn discounted rates on garaged vehicles.
  • Service Members Pay Less – Being on active duty in the military may qualify for rate reductions.

As a disclaimer on discounts, some credits don’t apply to all coverage premiums. Most only cut the price of certain insurance coverages like liability and collision coverage. Just because you may think it’s possible to get free car insurance, it doesn’t quite work that way.

A partial list of companies who might offer these money-saving discounts may include but are not limited to:

  • Esurance
  • The Hartford
  • AAA
  • State Farm

Before buying, ask each insurance company how you can save money. Discounts may not be available everywhere.

Car Insurance Prices Online

To find the best car insurance prices, there are several ways to compare quotes and find the best price. The easiest way to find competitive 2013 Toyota Tacoma insurance rates is to use the internet to compare rates. This can be accomplished in just a few minutes using one of these methods.

  • The best way to get the best comparison quotes would be an industry-wide quote request form click to view form in new window. This form keeps you from doing a different quote for each company. One form submission will return quotes from multiple low-cost companies. It’s definitely the quickest method.
  • A more time consuming way to get quotes online consists of going to each company website to complete their respective quote request forms.
  • The least efficient method to get comparison rates is driving around to and from local insurance agencies. The internet has reduced the need for local agents unless you want the trained guidance of a licensed agent. Drivers can comparison shop online but buy from a local insurance agent. We’ll cover that shortly.

It’s up to you how you get prices quotes, just make sure you use exactly the same coverage limits and deductibles for each comparison quote. If each company quotes different liability limits it’s not possible to determine which rate is truly the best. Just a small difference in coverages may cause a big price difference. Just remember that comparing a large number of companies helps you find the best offered rates.

Your Toyota Tacoma insurance rate is a complex equation

Smart consumers have a good feel for some of the elements that play a part in calculating auto insurance rates. Having a good understanding of what impacts premium levels helps enable you to make changes that could result in much lower annual insurance costs.

  • Your car’s features help determine rates – Purchasing a vehicle with an alarm system can save you a little every year. Theft prevention devices such as tamper alarm systems, vehicle immobilizer technology and General Motors OnStar all aid in stopping auto theft.
  • Rate your vehicle for proper use – The more miles you rack up on your Toyota in a year’s time the more you’ll pay to insure your vehicle. Most insurance companies price each vehicle’s coverage based on how the vehicle is used. Autos that are left in the garage qualify for better rates as compared to vehicles used primarily for driving to work. Verify your auto insurance policy is rated on how each vehicle is driven. Incorrect usage on your Tacoma may be wasting your money.
  • Your stress level may be raising your rates – Jobs such as doctors, business owners and accountants are shown to have higher rates than average because of high stress and long work days. On the flip side, occupations like scientists, athletes and retirees pay the least for Tacoma coverage.
  • One company can mean more discounts – The majority of insurance companies will award you with lower prices to customers who buy several policies from them in the form of a multi-policy discount. Even with this discount, it’s still a good idea to shop around to confirm you are receiving the best rates possible. Consumers may find a better deal by splitting coverages up.
  • An active claims history can cost you – If you frequently file small claims, you can definitely plan on either policy cancellation or increased premiums. Car insurance companies give better rates to policyholders who file claims infrequently. Your insurance policy is meant to be used in the event of major claims that would cause financial hardship.
  • A clean driving record saves money – Careful drivers tend to pay less for car insurance than bad drivers. Only having one moving violation can boost insurance rates by as much as thirty percent. Drivers with serious tickets like reckless driving, hit and run or driving under the influence are required to submit a SR-22 or proof of financial responsibility to the state department of motor vehicles in order to continue driving.
  • Higher deductibles cost less – Physical damage deductibles represent how much money you are required to spend before a claim is paid by your company. Insurance for physical damage to your car, also known as collision and other-than-collision, covers damage that occurs to your car. Examples of covered claims are colliding with a building, damage caused by hail, and rolling your vehicle. The more expense you’re willing to pay, the lower your rates will be for Tacoma coverage.
  • Older drivers save more – Teen drivers tend to get distracted easily when driving so auto insurance rates are higher. Adding a teen driver onto your auto insurance can be quite pricey. More mature drivers are more responsible, file fewer claims and tend to be better behind the wheel.

Don’t assume everyone needs the same coverage

When it comes to choosing coverage, there is no “perfect” insurance plan. Everyone’s situation is a little different.

For instance, these questions can aid in determining if your situation might need an agent’s assistance.

  • What is an SR-22 filing?
  • Can I make deliveries for my home business?
  • What exactly is covered by my policy?
  • Am I covered when driving someone else’s vehicle?
  • Do I need replacement cost coverage?
  • Can I afford to buy a different vehicle if my 2013 Toyota Tacoma is totaled?
  • Does my car insurance cover rental cars?
  • Where can I find high-risk insurance?
  • Does my insurance cover a custom paint job?
  • Does coverage extend to a rental car in a foreign country?

If you’re not sure about those questions but a few of them apply, then you may want to think about talking to an insurance agent. If you want to speak to an agent in your area, complete this form.

Car insurance coverage information

Having a good grasp of your policy can help you determine which coverages you need and proper limits and deductibles. The coverage terms in a policy can be difficult to understand and coverage can change by endorsement.

Protection from uninsured/underinsured drivers

Your UM/UIM coverage provides protection when the “other guys” either are underinsured or have no liability coverage at all. This coverage pays for injuries to you and your family as well as your vehicle’s damage.

Due to the fact that many drivers carry very low liability coverage limits, it only takes a small accident to exceed their coverage. That’s why carrying high Uninsured/Underinsured Motorist coverage should not be overlooked.

Medical expense insurance

Medical payments and Personal Injury Protection insurance pay for bills such as X-ray expenses, prosthetic devices and ambulance fees. They are often used to cover expenses not covered by your health insurance plan or if you lack health insurance entirely. It covers not only the driver but also the vehicle occupants and will also cover any family member struck as a pedestrian. Personal Injury Protection is only offered in select states and gives slightly broader coverage than med pay

Coverage for collisions

This pays to fix your vehicle from damage resulting from colliding with a stationary object or other vehicle. You will need to pay your deductible then the remaining damage will be paid by your insurance company.

Collision coverage pays for things like hitting a parking meter, crashing into a building, scraping a guard rail, rolling your car and damaging your car on a curb. Collision is rather expensive coverage, so analyze the benefit of dropping coverage from vehicles that are 8 years or older. Another option is to bump up the deductible in order to get cheaper collision rates.

Auto liability insurance

This protects you from damages or injuries you inflict on a person or their property in an accident. This coverage protects you from claims by other people. It does not 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. As an example, you may have liability limits of 100/300/100 which means $100,000 bodily injury coverage, $300,000 for the entire accident, and a total limit of $100,000 for damage to vehicles and property.

Liability insurance covers things such as repair costs for stationary objects, medical services and pain and suffering. How much liability should you purchase? That is a personal decision, but it’s cheap coverage so purchase as much as you can afford.

Comprehensive (Other than Collision)

Comprehensive insurance pays to fix your vehicle from damage from a wide range of events other than collision. You need to pay your deductible first then your comprehensive coverage will pay.

Comprehensive can pay for things such as damage from a tornado or hurricane, falling objects, damage from getting keyed, a tree branch falling on your vehicle and vandalism. The maximum payout a insurance company will pay at claim time is the cash value of the vehicle, so if your deductible is as high as the vehicle’s value consider removing comprehensive coverage.

Power to the consumer

Low-cost 2013 Toyota Tacoma insurance can be sourced both online in addition to many insurance agents, and you should compare price quotes from both to have the best rate selection. Some companies do not provide you the ability to get quotes online and many times these small insurance companies only sell through independent insurance agents.

When you buy insurance online, do not buy lower coverage limits just to save a few bucks. There have been many situations where an insured cut collision coverage and discovered at claim time that it was a big mistake. Your goal should be to get the best coverage possible at an affordable rate while not skimping on critical coverages.

Consumers switch companies for many reasons like lack of trust in their agent, extreme rates for teen drivers, being labeled a high risk driver or even an unsatisfactory settlement offer. Regardless of your reason, choosing a new company is less work than it seems.

More information

Frequently Asked Questions

What factors determine my insurance rate for a 2013 Toyota Tacoma?

Insurance rates for a Toyota Tacoma can be influenced by various factors, including your driving record, age, location, credit history, coverage limits, deductible amounts, and the overall risk associated with the vehicle.

Can I customize my insurance coverage for my Toyota Tacoma?

Yes, you can customize your insurance coverage based on your needs. You may have options for additional coverage such as roadside assistance, rental car reimbursement, gap insurance, or comprehensive coverage for aftermarket modifications.

Does the insurance coverage on my Toyota Tacoma extend to rental cars?

Typically, your insurance coverage may extend to a rental car, but it’s essential to review your policy or contact your insurance company to confirm the details. Some policies may have restrictions or limitations on rental car coverage.

Where can I find high-risk insurance for my Toyota Tacoma?

If you have a high-risk driving profile, such as a history of accidents or violations, you may need to seek insurance from specialized high-risk insurance providers. These providers cater to drivers who may have difficulty obtaining coverage from traditional insurance companies.

Does my insurance cover a custom paint job on my Toyota Tacoma?

Standard insurance policies may not automatically cover custom paint jobs or other modifications. If you have made modifications to your vehicle, it’s crucial to inform your insurance company and discuss the appropriate coverage options to protect those modifications.

Does my insurance cover a rental car in a foreign country?

Insurance coverage for rental cars in foreign countries can vary. Some insurance policies may provide limited coverage for rentals abroad, while others may not cover international rentals at all. Check with your insurance company to understand your coverage when renting a car outside your home country.

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