How Much are Insurance Quotes for a Toyota Tundra in Rhode Island?

Your chances of buying the cheapest auto insurance for a Toyota Tundra in Rhode Island depends upon a large number of rating criteria like whether you are married, the insurance company you are currently insured with, and your choice of deductibles. Drivers will pay around $1,300 each year for Tundra insurance, but that amount is a valuation that uses a 50-year-old married female that wants both comprehensive and collision coverage and $100 physical damage deductibles.

There is a very good chance that you are not exactly 50 years old and possibly not even female, single instead of married, or maybe you rent instead of own your home. There is no “one size fits all” policy, so your best shot at finding the most affordable coverage for your Toyota is to just take the time to compare rates yourself.

The trim level of your Tundra will have an impact the insurance rate, so the price you will be charged to insure a Tundra Regular Cab 2WD will be $290 less expensive the cost to insure the more expensive Tundra SR/5 Crew Max 4WD version, as shown in the chart below.

Data variables include married female driver age 50, no speeding tickets, no at-fault accidents, $100 deductibles, and Rhode Island minimum liability limits. Discounts applied include multi-vehicle, multi-policy, claim-free, safe-driver, and homeowner. Rate information does not factor in vehicle garaging location which can change coverage rates noticeably.

Determining which companies quote the cheapest auto insurance rates for a Toyota Tundra calls for more time in order to find the best policy.

Every insurance company has their own guidelines for determining rates, so we’ll take a look at the auto insurance companies that tend to have lower prices in Rhode Island.

 

USAA has some of the most affordable car insurance rates in Rhode Island at around $719 annually. State Farm, Travelers, Amica, and Progressive would also make the list of some of the best Rhode Island auto insurance companies.

In this example, if you have coverage with Travelers and switched to USAA, you could see an annual premium reduction of about $540. Policyholders with Amica may save as much as $793 a year, and Progressive policyholders might realize rate reductions of up to $825 a year.

To see how much you can save, click here to begin a quote or click several companies below for low rates.

Be aware that those policy rates are averages across all drivers and vehicles in Rhode Island and are not factoring in a specific rate factor for a Toyota Tundra. So the auto insurance company that is best for you may not even be shown in the list of companies shown earlier. That is why you need to compare prices as often as possible using your own specific driver and vehicle information.

How to get discounts on Rhode Island car insurance rates

Insurance companies that provide cheap insurance for a Toyota Tundra in Rhode Island may provide rate discounts that can reduce rates by 25% or more if you meet specific criteria. A list of companies and a selection of discounts are detailed below.

The example below visualizes the comparison of auto insurance rates with and without discounts being applied to the rates. The rates are based on a female driver, a clean driving record, no at-fault accidents, Rhode Island state minimum liability limits, comprehensive and collision coverage, and $100 deductibles.

The first bar for each age group shows premium with no discounts. The second bar shows the rates with vehicle safety, marriage, claim-free, defensive driving course, safe-driver, and passive restraint discounts applied. When drivers take advantage of discounts, the average amount saved each year on auto insurance for a Toyota Tundra is % or $.

Chances are good that you’re overpaying for Tundra insurance

Rhode Island auto insurance rates are calculated based on many things that will increase or decrease the cost of having a policy. Simply having a birthday, moving to a different location, or having an accident may generate price changes that can now make some companies cheaper than before. Not only may things change on your end, but companies file new Rhode Island car insurance rates every year or even multiple times each year to help ensure profitability. Larger than normal claims may cause additional price hikes, while profitable underwriting may result in cheaper Tundra insurance rates.

To illustrate this example, the chart below demonstrates which company has the cheapest car insurance in Rhode Island for a 40-year-old female driver with no accidents or violations, and good credit. When comparing rates based on her personal profile, USAA offers the cheapest car insurance rates in Rhode Island at $705 per year. This is $1,374 less than the average price paid by Rhode Island drivers of $2,079. State Farm, Travelers, Progressive, and Amica are the remainder of the top five cheapest Rhode Island auto insurance companies.

In this next rate comparison, we will give the driver in the first chart some claims, a lower credit rating, and a few traffic violations. Because every insurance company has a different formula for determining rates in each state, comparing rates may now show a different list of the cheapest Rhode Island car insurance companies as shown below.

USAA now has the best car insurance rate in Rhode Island with State Farm, Peerless, Travelers, and Progressive now being in the top five. This example demonstrates why Rhode Island drivers need to spend some time comparing rates to find the most affordable auto insurance rates for a Toyota Tundra.

Prices are impacted by many things and change dramatically, so the most affordable company two years ago may now be priced much higher than other options.

Who has the cheapest Toyota Tundra insurance quotes?

Due to technology, there are many ways to shop for and buy auto insurance in Rhode Island, but the most frequently used methods are through an exclusive insurance agency like State Farm or Auto-Owners, an independent insurance agent, or direct either online or via phone. Each way has the same basic process, but they differ slightly in how they provide price quotes.

Independent insurance agents have contracts with many companies and can get policy pricing from every one. These agents have the freedom to get prices from more than one company, which can give you a better chance of finding cheaper coverage. If cheaper coverage is found, it’s simple to move the policy and you can keep the same agent.

An exclusive ageny is only able to place business with one insurance company such as an Auto-Owners or State Farm agent. Exclusive agents normally do not have the ability to compare other company’s rates, so it’s a good idea to shop around.

Buying auto insurance direct means you skip the middleman (the agent) and instead buy direct online or over the phone from a company like Esurance or Geico. Buying auto insurance direct may be a decent choice consumers who have limited assets and have some degree of understanding of what coverages, limits, and deductibles they need.

So which method is best for finding cheap insurance for a Toyota Tundra in Rhode Island? One answer would be shopping direct saves money because there are no middleman commissions, but that is not always the case. A good argument could also be made that buying from an independent agent can save the most money since they can provide multiple quotes, but again, that’s not accurate. For some people, exclusive agencies may have prices that are the cheapest in Rhode Island.

Since auto insurance companies use so many rating factors, the best method to make sure you’re not overpaying for auto insurance is to do a thorough rate comparison. Put in the effort to get rate quotes from independent agents, exclusive agents, and direct companies in order to have enough rates to compare. We compiled a list of companies with some of the cheapest online rates that you can click here to view.