2014 Toyota Tundra Insurance Rates

Scraping up a payment for overpriced Toyota Tundra insurance can take a big chunk out of your personal savings and make it impossible to make ends meet. Doing a price comparison is a great way to cut your insurance bill. Companies like State Farm, Progressive and Geico continually hit you with TV and radio ads and it is challenging if not impossible to see past the geckos and flying pigs and do the work needed to find the best deal.

Auto Insurance Comparisons

There are several ways you can shop for Toyota Tundra auto insurance but there is one way that is easier and takes less work. You could spend the better part of a day talking to agents in your area, or you could save time and use online quotes to get pricing more quickly.

Most car insurance companies belong to a marketplace where insurance shoppers enter their policy data once, and every company can give them a price determined by their information. This saves time by eliminating form submissions for each company. To compare 2014 Toyota Tundra rates using this form now click here to start a free quote.

The only drawback to doing it this way is you can’t choose which insurance companies to get pricing from. If you would rather choose individual companies to compare prices, we have a listing of auto insurance companies in your area. Click here to view list.

It’s up to you how you get prices quotes, just make sure you use identical coverage limits and deductibles with each company. If you are comparing higher or lower deductibles you can’t possibly find the best deal for your Toyota Tundra.

Discounts mean cheaper 2014 Toyota Tundra insurance rates

Car insurance companies do not list all their discounts very well, so we took the time to find some of the more common and also the lesser-known savings tricks you should be using. If you don’t get every credit you deserve, you’re just leaving money on the table.

  • Good Student – A discount for being a good student can earn a discount of 20% or more. The good student discount can last up to age 25.
  • Seat Belt Usage – Requiring all passengers to use their safety belts can save up to 15% off the personal injury premium cost.
  • Homeowners Savings – Owning a home may trigger a insurance coverage policy discount due to the fact that maintaining a home shows financial diligence.
  • Payment Method – If paying your policy premium upfront instead of making monthly payments you could save 5% or more.
  • Anti-theft System – Vehicles with anti-theft systems are stolen less frequently and will save you 10% or more.
  • Defensive Driving Course – Taking a driver safety course could cut 5% off your bill depending on where you live.
  • Early Signing – Some companies give discounts for signing up prior to your current policy expiration. This can save 10% or more.
  • No Claims – Claim-free drivers can earn big discounts as compared to drivers who are more careless.
  • Government Employees – Being employed by or retired from a federal job can save as much as 8% for Tundra insurance with a few insurance coverage companies.

Consumers should know that some credits don’t apply to the entire cost. Some only apply to the price of certain insurance coverages like liability, collision or medical payments. Even though it may seem like it’s possible to get free car insurance, insurance coverage companies aren’t that generous.

Car insurance companies that may have these benefits are:

Double check with each company what discounts are available to you. All car insurance discounts may not apply in your area.

Tailor your coverage to you

When choosing adequate coverage for your vehicles, there isn’t really a “best” method to buy coverage. Everyone’s situation is unique so this has to be addressed. These are some specific questions might point out if your situation may require specific advice.

  • Why am I required to buy liability insurance?
  • Do I really need UM/UIM coverage?
  • How can I find cheaper teen driver insurance?
  • Do I have newly-aquired coverage?
  • Do I need replacement cost coverage on my 2014 Toyota Tundra?
  • When would I need additional glass coverage?
  • Where can I find high-risk insurance?
  • Do I need added coverage for expensive stereo equipment?

If it’s difficult to answer those questions but one or more may apply to you, you might consider talking to an agent. If you want to speak to an agent in your area, take a second and complete this form or click here for a list of insurance companies in your area. It is quick, free and may give you better protection.

Car insurance coverages for a 2014 Toyota Tundra

Having a good grasp of your car insurance policy can help you determine the best coverages for your vehicles. The coverage terms in a policy can be ambiguous and coverage can change by endorsement. Shown next are typical coverage types found on the average car insurance policy.

Coverage for medical payments

Personal Injury Protection (PIP) and medical payments coverage kick in for immediate expenses such as nursing services, chiropractic care, X-ray expenses and EMT expenses. They are often used in conjunction with a health insurance policy or if you do not have health coverage. It covers not only the driver but also the vehicle occupants and also covers being hit by a car walking across the street. PIP coverage is not universally available and gives slightly broader coverage than med pay

Comprehensive coverages

This coverage will pay to fix damage that is not covered by collision coverage. You first must pay your deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive insurance covers things such as a tree branch falling on your vehicle, damage from flooding, fire damage and hitting a bird. The maximum amount you’ll receive from a claim is the cash value of the vehicle, so if your deductible is as high as the vehicle’s value it’s probably time to drop comprehensive insurance.

Collision insurance

Collision insurance pays for damage to your Tundra resulting from colliding with another car or object. You will need to pay your deductible then the remaining damage will be paid by your insurance company.

Collision can pay for claims such as colliding with a tree, damaging your car on a curb and hitting a parking meter. Collision coverage makes up a good portion of your premium, so consider removing coverage from vehicles that are older. It’s also possible to bump up the deductible to save money on collision insurance.

Liability car insurance

This coverage can cover damages or injuries you inflict on other people or property that is your fault. This insurance protects YOU against claims from other people. It does not cover damage sustained by your vehicle in an accident.

Coverage consists of three different limits, per person bodily injury, per accident bodily injury, and a property damage limit. You commonly see values of 25/50/25 which means $25,000 bodily injury coverage, a per accident bodily injury limit of $50,000, and $25,000 of coverage for damaged propery.

Liability can pay for things such as pain and suffering, structural damage, loss of income and funeral expenses. How much coverage you buy is up to you, but consider buying as much as you can afford.

Uninsured and underinsured coverage

This protects you and your vehicle when other motorists either have no liability insurance or not enough. This coverage pays for injuries sustained by your vehicle’s occupants and also any damage incurred to your Toyota Tundra.

Because many people have only the minimum liability required by law, it only takes a small accident to exceed their coverage. For this reason, having high UM/UIM coverages is very important.