Cheap Rates for Toyota Tundra Insurance in Mesa

Discount Toyota Tundra insuranceLocating better insurance prices for a new or used Toyota Tundra in Arizona can turn out to be an all-consuming task, but you can follow our auto insurance buying tips to save time. There is a right way and a wrong way to compare auto insurance rates so you’re going to learn the quickest way to get price quotes for your Toyota and locate the cheapest rates.

It’s a good habit to compare prices as often as possible due to the fact that insurance prices are adjusted regularly by insurance companies. Despite the fact that you may have had the lowest rate on Toyota Tundra insurance in Mesa two years ago you may be paying too much now. There are lots of tips to save on Tundra insurance online but by reading this article, you’re going to learn a lot of great tips on how to find affordable auto insurance in Mesa.

How to lower your Toyota Tundra insurance cost in Mesa, Arizona

Cutting your Mesa car insurance rates is a fairly straight forward process. The only thing you need to do is spend a few minutes to compare rates from different insurance companies.

The companies in the list below can provide comparison quotes in Mesa, AZ. In order to find cheap auto insurance in Mesa, we recommend you visit several of them to get the most competitive price.

Facts and figures for Toyota Tundra insurance

The price information shown below covers different prices for Toyota Tundra models. Having a better idea how rate quotes are figured can assist in making informed decisions when comparing rates.

Toyota Tundra Insurance Rates in Mesa, AZ
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Tundra Regular Cab 2WD $250 $470 $458 $28 $136 $1,342 $112
Tundra SR/5 Double Cab 2WD $286 $574 $458 $28 $136 $1,482 $124
Tundra SR/5 Crew Max 2WD $286 $574 $458 $28 $136 $1,482 $124
Tundra Regular Cab 4WD $324 $574 $458 $28 $136 $1,520 $127
Tundra Double Cab 4WD $324 $574 $458 $28 $136 $1,520 $127
Tundra SR/5 Double Cab 4WD $324 $574 $458 $28 $136 $1,520 $127
Tundra Limited Double Cab 2WD $324 $676 $458 $28 $136 $1,622 $135
Tundra Limited Crew MAX 2WD $324 $676 $458 $28 $136 $1,622 $135
Tundra Limited Crew MAX 4WD $360 $676 $458 $28 $136 $1,658 $138
Tundra SR/5 Crew Max 4WD $360 $676 $458 $28 $136 $1,658 $138
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Data assumes single female driver age 30, no speeding tickets, no at-fault accidents, $100 deductibles, and Arizona minimum liability limits. Discounts applied include homeowner, multi-policy, claim-free, multi-vehicle, and safe-driver. Prices do not factor in zip code location which can alter prices considerably.

Physical damage deductibles: Should you raise them?

When shopping for insurance, a common question is how high or low should comp and collision deductibles be. The premium rates below may help you to understand the rate differences between low and high comp and collision deductibles. The first set of rates uses a $100 deductible for physical damage and the second set of rates uses a $500 deductible.

Toyota Tundra insurance premium rates with $100 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Tundra Regular Cab 2WD $224 $382 $338 $20 $102 $1,091 $91
Tundra SR/5 Double Cab 2WD $258 $466 $338 $20 $102 $1,209 $101
Tundra SR/5 Crew Max 2WD $258 $466 $338 $20 $102 $1,209 $101
Tundra Regular Cab 4WD $292 $466 $338 $20 $102 $1,243 $104
Tundra Double Cab 4WD $292 $466 $338 $20 $102 $1,243 $104
Tundra SR/5 Double Cab 4WD $292 $466 $338 $20 $102 $1,243 $104
Tundra Limited Double Cab 2WD $292 $548 $338 $20 $102 $1,325 $110
Tundra Limited Crew MAX 2WD $292 $548 $338 $20 $102 $1,325 $110
Tundra Limited Crew MAX 4WD $324 $548 $338 $20 $102 $1,357 $113
Tundra SR/5 Crew Max 4WD $324 $548 $338 $20 $102 $1,357 $113
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Toyota Tundra insurance premium rates with $500 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Tundra Regular Cab 2WD $164 $258 $338 $20 $102 $882 $74
Tundra SR/5 Double Cab 2WD $188 $314 $338 $20 $102 $962 $80
Tundra SR/5 Crew Max 2WD $188 $314 $338 $20 $102 $962 $80
Tundra Regular Cab 4WD $212 $314 $338 $20 $102 $986 $82
Tundra Double Cab 4WD $212 $314 $338 $20 $102 $986 $82
Tundra SR/5 Double Cab 4WD $212 $314 $338 $20 $102 $986 $82
Tundra Limited Double Cab 2WD $212 $370 $338 $20 $102 $1,042 $87
Tundra Limited Crew MAX 2WD $212 $370 $338 $20 $102 $1,042 $87
Tundra Limited Crew MAX 4WD $236 $370 $338 $20 $102 $1,066 $89
Tundra SR/5 Crew Max 4WD $236 $370 $338 $20 $102 $1,066 $89
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Prices based on married male driver age 30, no speeding tickets, no at-fault accidents, and Arizona minimum liability limits. Discounts applied include claim-free, multi-vehicle, multi-policy, safe-driver, and homeowner. Price estimates do not factor in the specific area where the vehicle is garaged which can affect price quotes considerably.

Based on this data, using a $100 deductible will cost you approximately $22 more each month or $264 annually than selecting the higher $500 deductible. Because you would be required to pay $400 more if you file a claim with a $500 deductible as compared to a $100 deductible, if you go more than 18 months between claims, you would probably save some money going with the higher deductible.

Insurance premiums based on gender

The illustration below compares Toyota Tundra annual premium costs for male and female drivers. The prices are based on a clean driving record, no claims, full physical damage coverage, $250 deductibles, single status, and no discounts are factored in.

Toyota Tundra liability-only versus full coverage

The illustration below shows the difference between Toyota Tundra insurance rates with liability coverage only compared to full coverage. The premiums are based on no violations or claims, $500 deductibles, single marital status, and no discounts are taken into consideration.

Guidelines for eliminating full coverage

There is no exact rule of when to exclude comp and collision coverage, but there is a broad guideline. If the yearly cost of full coverage is about 10% or more of the vehicle’s replacement cost less your deductible, the it may be a good time to stop paying for full coverage.

For example, let’s pretend your Toyota Tundra replacement value is $7,000 and you have $1,000 physical damage deductibles. If your vehicle is totaled in an accident, you would only receive $6,000 after paying your policy deductible. If you are paying over $600 a year to have full coverage, then it might be time to consider dropping full coverage.

There are some situations where removing full coverage is not advised. If you have an outstanding loan on your vehicle, you must maintain physical damage coverage in order to keep the loan. Also, if your emergency fund is not enough to purchase a different vehicle if your current one is totaled, you should maintain full coverage.

Car insurance does more than just protect your car

Despite the high cost of buying insurance for a Toyota Tundra in Mesa, buying car insurance is not optional due to several reasons.

First, the majority of states have minimum liability requirements which means you are required to carry specific limits of liability insurance if you drive a vehicle. In Arizona these limits are 15/30/10 which means you must have $15,000 of bodily injury coverage per person, $30,000 of bodily injury coverage per accident, and $10,000 of property damage coverage.

Second, if you bought your Toyota Tundra with a loan, almost every bank will make it a condition of the loan that you carry insurance to guarantee payment of the loan. If the policy lapses, the lender may have to buy a policy to insure your Toyota at an extremely high rate and require you to pay for the expensive policy.

Third, insurance protects both your vehicle and your assets. It will also provide coverage for medical expenses for you, any passengers, and anyone injured in an accident. Liability insurance, one of your policy coverages, will also pay to defend you if you are sued as the result of your driving. If mother nature or an accident damages your car, comprehensive and/or collision insurance will cover the repair costs.

The benefits of insuring your Tundra are definitely more than the cost, specifically if you ever have a liability claim. But the average American driver is currently overpaying as much as $750 every year so it’s recommended you shop around at every renewal to ensure rates are inline.

Why You Might Pay Higher Rates in Mesa

It’s important that you understand some of the things that play a part in calculating the level of your policy premiums. When you know what positively or negatively determines base rates, this enables informed choices that will entitle you to lower premium levels.

Allowing your insurance to lapse raises prices – Allowing your coverage to lapse is a fast way to increase your rates. Not only will rates go up, being ticketed for driving with no insurance can result in a hefty fine and possibly a revoked license. You may need to provide proof of insurance in the form of an SR-22 filing with the Arizona department of motor vehicles.

Insurance rates and your employer – Occupations like fire fighters, police officers, and financial analysts tend to have higher premium rates due to high stress and long work hours. On the flip side, careers like professors, athletes and performers receive lower rates.

Credit rating impact insurance prices – Having a bad credit history factor in determining what you pay. So if your credit score leaves room for improvement, you could potentially save money when insuring your Toyota Tundra by repairing your credit. Consumers who have very good credit scores tend to be less risk to insure than drivers who have poor credit.

Keep insurance claims to a minimum – Auto insurance companies in Arizona provide the best rates to drivers who do not rely on their insurance for small claims. If you frequently file small claims, you can expect either policy cancellation or increased premiums. Insurance coverage is intended to be relied upon for claims that pose a financial burden.

Rural areas have lower costs – Being located in smaller towns and rural areas of the country can save you money when shopping for auto insurance. People who live in big cities have much more traffic and higher rates of accident claims. Fewer drivers and short commutes corresponds to lower accident rates in addition to lower liability claims.

Loss statistics for a Toyota Tundra – Auto insurance companies analyze past claim statistics as a way to help calculate a profitable premium price. Models that the data shows to have higher number or severity of losses will have a higher cost to insure.

The data below shows the historical loss data for Toyota Tundra vehicles. For each coverage category, the claim amount for all vehicles, as an average, is equal to 100. Numbers below 100 indicate better than average losses, while numbers above 100 indicate a higher chance of having a claim or an increased chance of a larger loss.

Insurance Loss Ratings for Toyota Tundra Vehicles
Vehicle Make and Model Collision Property Damage Comp Personal Injury Medical Payment Bodily Injury
Toyota Tundra CrewMax 2WD 88 105 96 63 75 94
Toyota Tundra CrewMax 4WD 97 113 105 64 51 77
Toyota Tundra Double Cab 2WD 95 131 90 85 84 107
Toyota Tundra Double Cab 4WD 86 112 93 53 55 79
Toyota Tundra Double Cab LWB 4WD 93 115 69

Empty fields indicate not enough data collected
Data Source: Insurance Institute for Highway Safety for 2013-2015 Model Years

Save money on Toyota Tundra insurance in Mesa with these discounts

Some insurers don’t list every possible discount very well, so we break down both the well known and also the more inconspicuous ways to save on insurance.Discount insurance

Don’t be surprised that some of the credits will not apply to your bottom line cost. Some only reduce the price of certain insurance coverages like comprehensive or collision. So even though you would think you would end up receiving a 100% discount, companies don’t profit that way.

The illustration below compares Toyota Tundra insurance costs with and without policy discounts. Data assumes a male driver, no claims or driving violations, Arizona state minimum liability limits, comp and collision included, and $250 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with marriage, homeowner, multi-policy, claim-free, multi-car, and safe-driver discounts applied.

Car insurance companies who may offer these discounts may include but are not limited to:

Double check with every insurance company what discounts are available to you. Discounts might not apply in every state. For a list of insurance companies who offer insurance discounts in Arizona, follow this link.

Get rate quotes but work with a local neighborhood Mesa car insurance agent

Some consumers prefer to visit with an insurance agent and that is not a bad decision Licensed agents can answer important questions and will help you if you have claims. One of the benefits of price shopping on the web is you may find lower car insurance rates and still have an agent to talk to.

Insurance agency in MesaTo make it easy to find an agent, after completing this quick form, the coverage information is sent to local insurance agents in Mesa that can provide free Mesa car insurance quotes for your coverage. There is no need to drive around because quoted prices will be sent to you directly. If you want to compare rates from a specific insurance company, you would need to visit that company’s website and submit a quote form there.

Deciding on an insurance company requires you to look at more than just the premium amount. These are some questions your agent should answer.

If you are searching for a local Mesa insurance agency, you must know there are a couple types of insurance agents that differ in how they can insure your vehicles. Agents in Mesa may be either independent agents or exclusive agents. Either can sell affordable insurance policies, but it’s a good idea to understand the difference in the companies they write for since it can affect which agent you choose.

Exclusive Insurance Agencies

Agents that choose to be exclusive generally can only insure with one company such as Allstate and State Farm. They generally cannot provide prices from multiple companies so they really need to provide good service. Exclusive agencies are highly trained on their products and sales techniques which helps overcome the inability to quote other rates. Consumers sometimes use the same agent mainly due to high brand loyalty rather than having the cheapest rates.

The following is a list of exclusive agencies in Mesa who may provide you with price quotes.

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Independent Insurance Agents

Agents of this type are not locked into one company and that enables them to quote your coverage with a variety of different insurance companies and find the cheapest rate. If you want to switch companies, they simply move your policy to a different company and the insured can keep the same agent.

When comparing rate quotes, you absolutely need to include multiple independent agents to get the best comparison. Most also write with companies that do not advertise much that many times have cheaper rates.

Below is a list of independent insurance agencies in Mesa that are able to give comparison quotes.

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Smart consumers save more

As you quote Mesa car insurance, it’s a bad idea to buy less coverage just to save a little money. There are many occasions where someone dropped liability coverage limits only to find out that the few dollars in savings costed them thousands. Your focus should be to purchase a proper amount of coverage at the best possible price but still have enough coverage for asset protection.

We covered many ways to shop for Toyota Tundra insurance online. The key thing to remember is the more times you quote, the better your chances of lowering your premium rates. You may even find the best auto insurance rates are with an unexpected company.

Lower-priced car insurance in Mesa can be found online in addition to local insurance agencies, so you need to shop Mesa car insurance with both to get a complete price analysis. Some companies may not have price quotes online and these small, regional companies sell through independent agencies.

Steps to buying low-cost Toyota Tundra insurance in Mesa

The recommended way to find cheaper quotes for Toyota Tundra insurance in Mesa is to start comparing prices yearly from insurers in Arizona.

One key aspect of rate comparisons is to try to compare similar limits and deductibles on each price quote and and to get quotes from as many different insurance providers as possible. Doing this guarantees the most accurate price comparison and a complete price analysis.

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