View 2017 Toyota Sequoia Insurance 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 9, 2019

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Having to pay for high-priced auto insurance can sap your accounts and make it tough to pay other bills. Comparison shopping is free and is an excellent way to tighten up your finances.

Vehicle owners have so many insurance companies to purchase coverage from, and although it’s nice to be able to choose, too many choices makes it more difficult to compare company pricing.

It’s important to quote other rates quite often since prices change regularly. Even if you think you had the best rate for Sequoia insurance a year ago you will most likely find a better premium rate today. Ignore everything you know about auto insurance because I’m going to teach you the things you must know in order to remove unneeded coverages and save money.

How do insurance companies determine Toyota Sequoia insurance costs?

Many different elements are part of the calculation when you quote your car insurance policy. Most are fairly basic like a motor vehicle report, although others are not as apparent like where you live or your financial responsibility.One of the most helpful ways to save on insurance is to to have a grasp of some of the elements that are used to determine the rates you pay for insurance. When consumers understand what positively or negatively impacts your premiums, this enables informed choices that may result in cheaper rates.

  • Insure your auto and home with one company – Lots of companies allow lower prices to buyers who carry more than one policy in the form of a multi-policy discount. Even if you already get this discount, it’s still a good idea to compare other company rates to help guarantee you have the best rates.
  • Older drivers save more – Teen drivers tend to be careless and easily distracted when behind the wheel so insurance rates are higher. Older people are viewed as being more responsible, statistically cause fewer accidents and get fewer tickets.
  • The more you drive the more you pay – Driving more miles in a year’s time the more you’ll pay to insure your vehicle. Almost all companies rate vehicles determined by how the vehicle is used. Autos used primarily for pleasure use can be on a lower rate level than vehicles that have high annual mileage. Having the wrong rating on your Sequoia may be wasting your money. Make sure your insurance coverage reflects how each vehicle is driven, because improper ratings can cost you money.
  • Always have insurance – Allowing your coverage to lapse will be a guaranteed way to increase your rates. Not only will you pay more, getting caught without coverage may earn you a license revocation or jail time. You may then be required to prove you have insurance by filing a SR-22 with your state motor vehicle department to get your license reinstated.
  • Safer vehicles cost less to insure – Vehicles that have high safety ratings get lower rates. These vehicles reduce injuries and fewer serious injuries translates directly to fewer claims which can result in lower premiums. If the Toyota Sequoia scored at minimum an “acceptable” rating on the Insurance Institute for Highway Safety website it is probably cheaper to insure.
  • Only buy coverage you need – Insurance companies have many additional extra coverages that you can buy when buying insurance. Coverages for roadside assistance, death and dismemberment, and motor club memberships are some examples. They may seem like a good idea when you first buy your policy, but if they’re wasting money think about removing them and cutting costs.

Auto insurance discounts are available to cut your rates

Not many people think insurance is cheap, but you may qualify for discounts that you may not even be aware of. Larger premium reductions will be automatically applied when you complete an application, but lesser-known reductions have to be inquired about prior to getting the savings. If they aren’t giving you every credit available, you may be paying too high a price.

  • Theft Deterent Discount – Cars and trucks equipped with anti-theft or alarm systems prevent vehicle theft and that can save you a little bit as well.
  • Discount for Passive Restraints – Factory air bags or motorized seat belts may get savings of 25 to 30%.
  • Active Military Service – Being deployed in the military could be rewarded with lower premium rates.
  • College Student Discount – Youth drivers who live away from home at college and won’t have access to an insured vehicle may be able to be covered for less.
  • Bundled Policy Discount – When you combine your auto and homeowners insurance with one insurance company you could save as much as 10 to 15 percent.
  • Government Employee Discount – Federal government employees may qualify for a discount when you quote auto insurance for Sequoia insurance with a few auto insurance companies.
  • Payment Discounts – By paying your entire bill at once as opposed to paying monthly you can avoid monthly service charges.

Keep in mind that most of the big mark downs will not be given to the entire cost. Most cut individual premiums such as liability and collision coverage. Even though it may seem like you could get a free auto insurance policy, you aren’t that lucky.

A list of auto insurance companies and a partial list of their discounts are:

  • The Hartford includes discounts for defensive driver, vehicle fuel type, air bag, driver training, anti-theft, bundle, and good student.
  • American Family may include discounts for air bags, good driver, defensive driver, good student, bundled insurance, mySafetyValet, and multi-vehicle.
  • Progressive offers premium reductions for multi-policy, multi-vehicle, homeowner, continuous coverage, and online signing.
  • Travelers may offer discounts for continuous insurance, save driver, multi-policy, IntelliDrive, student away at school, and new car.
  • Farmers Insurance offers discounts for early shopping, youthful driver, alternative fuel, electronic funds transfer, multi-car, and mature driver.
  • USAA has discounts for family discount, multi-vehicle, loyalty savings, new vehicle, annual mileage, and good student.
  • Liberty Mutual may have discounts that include teen driver discount, newly married, safety features, preferred payment discount, and new move discount.

If you need lower rates, check with each company or agent how you can save money. Depending on the company, some discounts may not be offered in your area. To see insurance companies who offer cheap auto insurance quotes, click here.

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Everyone needs different insurance coverages

When it comes to choosing the right insurance coverage for your vehicles, there really is no perfect coverage plan. Everyone’s situation is unique so your insurance needs to address that. These are some specific questions can aid in determining if your situation might need an agent’s assistance.

  • How do I file an SR-22 for a DUI in my state?
  • Does my policy pay for OEM or aftermarket parts?
  • Are all vehicle passengers covered by medical payments coverage?
  • Why am I required to buy liability insurance?
  • What is high-risk coverage and where do I buy it?
  • Are my friends covered when driving my 2017 Toyota Sequoia?
  • If my pet gets injured in an accident are they covered?

If you don’t know the answers to these questions but one or more may apply to you, you may need to chat with an agent. To find an agent in your area, fill out this quick form or click here for a list of insurance companies in your area.

The coverage is in the details

Learning about specific coverages of a insurance policy can be of help when determining which coverages you need and the correct deductibles and limits. The coverage terms in a policy can be difficult to understand and coverage can change by endorsement. Listed below are typical coverages available from insurance companies.

Coverage for collisions

Collision insurance covers damage to your Sequoia resulting from a collision with an object or car. A deductible applies and the rest of the damage will be paid by collision coverage.

Collision coverage protects against things such as hitting a parking meter, colliding with another moving vehicle, sideswiping another vehicle, sustaining damage from a pot hole and driving through your garage door. Collision is rather expensive coverage, so consider dropping it from lower value vehicles. Another option is to bump up the deductible to save money on collision insurance.

Coverage for liability

This coverage can cover damage that occurs to people or other property by causing an accident. It protects you from claims by other people, and doesn’t cover your own vehicle damage or injuries.

Coverage consists of three different limits, per person bodily injury, per accident bodily injury, and a property damage limit. You commonly see values of 100/300/100 which means $100,000 bodily injury coverage, $300,000 for the entire accident, and property damage coverage for $100,000.

Liability insurance covers claims like attorney fees, structural damage, bail bonds, funeral expenses and court costs. How much liability should you purchase? That is a personal decision, but buy as high a limit as you can afford.

Comprehensive (Other than Collision)

Comprehensive insurance coverage will pay to fix damage OTHER than collision with another vehicle or object. A deductible will apply then your comprehensive coverage will pay.

Comprehensive coverage protects against claims like falling objects, damage from flooding and hail damage. The maximum amount your insurance company will pay is the actual cash value, so if the vehicle’s value is low it’s probably time to drop comprehensive insurance.

Medical expense insurance

Coverage for medical payments and/or PIP provide coverage for bills for pain medications, ambulance fees, funeral costs, rehabilitation expenses and chiropractic care. They are often used to cover expenses not covered by your health insurance policy or if you lack health insurance entirely. It covers you and your occupants as well as any family member struck as a pedestrian. Personal injury protection coverage is not universally available and gives slightly broader coverage than med pay

Protection from uninsured/underinsured drivers

This protects you and your vehicle’s occupants when the “other guys” do not carry enough liability coverage. Covered losses include injuries sustained by your vehicle’s occupants as well as damage to your Toyota Sequoia.

Since many drivers only carry the minimum required liability limits, their liability coverage can quickly be exhausted. So UM/UIM coverage is a good idea.

Be a money saver!

When you buy auto insurance online, it’s not a good idea to buy less coverage just to save a little money. There are many occasions where someone sacrificed liability coverage limits and found out when filing a claim they didn’t have enough coverage. The ultimate goal is to purchase plenty of coverage for the lowest price, but don’t skip important coverages to save money.

You just read many ideas to shop for 2017 Toyota Sequoia insurance online. It’s most important to understand that the more times you quote, the better chance you’ll have of finding cheaper auto insurance. Consumers could even find that the lowest prices are with a smaller regional carrier. They may often insure only within specific states and give getter rates than their larger competitors like GEICO and State Farm.

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