How Much are Insurance Quotes for a Toyota Tundra in California?
The chances that you’ll find cheaper car insurance for a Toyota Tundra in California relies on a lot of different factors such as the safety features of your vehicle, if you have maintained coverage continuously, and your motor vehicle report. Drivers in California pay around $1,370 a year to buy Toyota Tundra insurance, but that figure is a ballpark figure that uses rate data for a 50-year-old single female driver with both comprehensive and collision coverage and $500 deductibles.
Chances are good that you are not exactly 50 years old and possibly not even female, married instead of single, or maybe your California zip code is rated cheaper than the example. Every insurance policy is unique to the driver, so the best way to find the most affordable coverage for your Toyota is to start the habit of comparing rates at least once a year.
Vehicle trim level will influence price, so the rate you will pay to insure a Tundra Regular Cab 2WD trim level will be $254 lower than the insurance cost for the fancier Tundra SR/5 Crew Max 4WD version, as shown in the table below.
|Model||Comp||Collision||Liability||Medical||UM/UIM||Annual Premium||Monthly Premium|
|Tundra Regular Cab 2WD||$208||$374||$564||$34||$168||$1,348||$112|
|Tundra SR/5 Double Cab 2WD||$238||$454||$564||$34||$168||$1,458||$122|
|Tundra SR/5 Crew Max 2WD||$238||$454||$564||$34||$168||$1,458||$122|
|Tundra Regular Cab 4WD||$270||$454||$564||$34||$168||$1,490||$124|
|Tundra Double Cab 4WD||$270||$454||$564||$34||$168||$1,490||$124|
|Tundra SR/5 Double Cab 4WD||$270||$454||$564||$34||$168||$1,490||$124|
|Tundra Limited Double Cab 2WD||$270||$536||$564||$34||$168||$1,572||$131|
|Tundra Limited Crew MAX 2WD||$270||$536||$564||$34||$168||$1,572||$131|
|Tundra Limited Crew MAX 4WD||$300||$536||$564||$34||$168||$1,602||$134|
|Tundra SR/5 Crew Max 4WD||$300||$536||$564||$34||$168||$1,602||$134|
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Data based on single female driver age 50, no speeding tickets, no at-fault accidents, $500 deductibles, and California minimum liability limits. Discounts applied include safe-driver, multi-vehicle, claim-free, multi-policy, and homeowner. Prices do not factor in garaging location in California which can change coverage prices significantly.
Deciding which companies have the cheapest insurance rates for a Toyota Tundra calls for more time than just comparing rates from one or two companies. Each insurance company uses their own formula for establishing rates, so let’s take a look at the most budget-friendly insurance companies in California.
Find the Cheapest Car Insurance for Your Tundra
|Rank||Company||Cost Per Year|
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USAA quotes some of the cheapest car insurance rates in California at around $1,121 a year. Wawanesa, Century National, Nationwide, and CSAA would also be considered some of the more affordable California car insurance companies.
In the above example, if you have coverage with Century National and switched to USAA, you might realize savings of roughly $93. Drivers with Nationwide may save as much as $105 a year, and CSAA customers might cut rates by $113 a year.
Understand that those premiums are averages across all ages of drivers and types of vehicles and do not take into consideration a specific rating modification for a Toyota Tundra. So the insurer that can offer you the best rate may not even be shown in the above list. That helps illustrate why you need to compare as many prices as possible using your own specific driver and vehicle information.
Liability-only versus full coverage
Finding cheap insurance for a Toyota Tundra in California is the goal of most drivers, and one of the fastest ways to pay less for insurance is to only buy liability coverage. The information below shows the difference between insurance prices when comparing full coverage to liability only. The rates are based on no violations or claims, $100 deductibles, drivers are not married, and no discounts are applied to the premium.
As an overall average, comp and collision coverage costs $3,217 per year more than insuring for liability only. That is a big expense that brings up the question if buying full coverage is worth the expense. There is no clear-cut formula to delete comp and collision coverage, but there is a general convention. If the yearly cost for physical damage coverage is more than 10% of replacement cost minus your deductible, the it may be a good time to stop paying for full coverage.
The illustration below shows how choosing a deductible can change insurance prices when quoting cheap insurance for a Toyota Tundra. The prices are based on a single male driver, comp and collision included, and no other discounts are factored in.
The data above shows that a 40-year-old driver could lower their policy premium by $436 a year by switching from a $100 deductible to a $500 deductible, or save $656 by selecting a $1,000 deductible. Even younger drivers, like the age 20 example, have the ability to save up to $1,432 or even more just by choosing larger deductibles. When using a larger deductible, it is a good idea to have spare funds to enable you to cover the extra out-of-pocket expense, which deters some drivers from choosing higher deductibles.
How to find more affordable insurance for a Toyota Tundra
The list below summarizes some of the recommended penny-pinching suggestions that can help you find low-cost coverage.
- Try paying for small claims out-of-pocket
- Buying your home and auto policies from the same company can earn a discount
- Save money by obeying traffic laws and keeping a clean driving record
- Higher credit ratings may save you money
- Do not get into accidents
- Increase deductibles to save money
- Shop around for cheaper rates regularly
The last idea is incredibly important, as was noted in the prior information. Auto insurance rates adjust often, so don’t hesitate to change insurance companies if a more affordable price is available. Many consumers stick with the same company and that’s fine, but it’s not recommended if that stubbornness costs you lots of hard earned cash every month. It only takes a couple minutes to shop around and find cheaper auto insurance for a Toyota Tundra.
Is the best company Allstate, State Farm, Progressive, or Geico?
When it comes to buying insurance for a Tundra in California, the top insurers to get price quotes from are Allstate, State Farm, Progressive, and Geico. Combined they insure almost 50% of all auto insurance written. All of them offer liability and physical damage protection, but each on has a distinct set of features and optional coverages that policyholders can choose from. The following table compares and contrasts ratings for price, service, and claims, in additional to some of the optional coverages .
|Number of Discounts||1st||3rd||4th||2nd|
|Amount of market share||10%||18.3%||8.8%||11.4%|
|Accident forgiveness coverage||Yes||No||Yes||Yes|
|New car replacement insurance||Yes||No||No||No|
|Offered in California||Yes||Yes||Yes||Yes|
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Who has the cheapest Toyota Tundra insurance quotes?
There are many different ways to find cheaper insurance in California, but the three most common methods are through an exlusive agent like State Farm or Allstate, an independent insurance agent, or buying direct from a company like Geico or Progressive. Each way has the same basic process, but it’s important to point out the distinctions in how they provide rate quotes.
Independent insurance agencies have contracts with many companies and can do rate comparisons with every one. These types of agencies do not work for one specific company and can give you more rates, which can give you the best chance of saving money. If a cheaper price is found, your agent can just switch to a different company and you don’t have to find a new agent.
An exclusive ageny is limited to one insurance company, a couple examples are a State Farm or Liberty Mutual agent. Exclusive agents cannot provide rate quotes from other companies, so it’s a good idea to get additional quotes.
Choosing to buy insurance direct means you forego a local agent and instead shop from a direct company like Esurance or Geico. Shopping direct may be preferred by drivers who have fewer assets and have an above average understanding of how their policy works.
So which of those three methods works best for finding cheap insurance for a Toyota Tundra in California? Most people assume that buying direct results in the best prices because there is no agent taking a commission, but unfortunately, that is not always true. It could also be said going through an independent agent can save the most money since they have access to many companies, but again, it’s not necessarily true. In a lot of cases, the exclusive agents may have prices that are the cheapest.
Since insurance companies use so many rating factors, the best way to get rock-bottom rates is to compare rate quotes from as many companies as possible. The ideal approach is to get price quotes all three ways to have enough rates to compare. To see some of the cheapest online companies available, click here to view.
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