Compare Toyota Tundra Insurance Rate Quotes in Scottsdale

The easiest way to get the cheapest Toyota Tundra insurance in Scottsdale is to regularly compare price quotes from insurance carriers who can sell car insurance in Arizona.

Step 1: Take a little time to learn about auto insurance and the factors you can control to prevent expensive coverage. Many factors that cause high rates such as tickets, at-fault accidents, and a negative credit history can be eliminated by making small lifestyle or driving habit changes.

Step 2: Request rate estimates from direct carriers, independent agents, and exclusive agents. Direct and exclusive agents can only provide price estimates from one company like Progressive or Farmers Insurance, while agents who are independent can provide prices from multiple insurance companies. Compare rates now

Step 3: Compare the new quotes to your existing coverage to determine if switching companies saves money. If you can save money and make a switch, make sure the effective date of the new policy is the same as the expiration date of the old one.

Step 4: Notify your agent or company of your decision to cancel your current coverage and submit a down payment and signed policy application to your new agent or company. As soon as you can, place the new certificate verifying proof of insurance in your vehicle.

One key aspect of rate comparisons is to use identical limits and deductibles on every quote and and to compare as many companies as you can. Doing this ensures the most accurate price comparison and a good representation of prices.

Sadly, 70% of consumers have been with the same company for well over three years, and just under half have never compared rates to find affordable insurance. Drivers in Scottsdale can save up to 50% each year by just comparing quotes, but they feel it’s too difficult to compare rates.

If you are already insured, you will most likely be able to get lower rates using the concepts covered in this article. Locating the best rates in Scottsdale seems hard but is not really that difficult. Although Arizona vehicle owners need to learn how the larger insurance companies calculate their prices because it varies considerably.

Scottsdale Insurance Rates are Influenced by These Factors

The best way to find cheaper insurance is to take a look at the rating factors that play a part in calculating the rates you pay for insurance. When you understand what impacts premium levels, this allows you to make educated decisions that can help you get lower premium levels.

Listed below are a few of the things used by companies to determine your rates.

• Performance makes a difference – The performance of the vehicle you are buying insurance for makes a big difference in determining your rates. The lowest base rates are usually found on the lowest performance passenger models, but many other things help determine your insurance rates.

  The following data assumes a married male driver age 30, full coverage with $250 deductibles, and no discounts or violations. It compares Toyota Tundra insurance premiums compared to other models of vehicles that have a range of performances.

• Bundle and save – Most insurance companies will award lower prices to insureds who carry more than one policy, otherwise known as a multi-policy discount. If you currently are using one company, consumers should still compare other Scottsdale Tundra insurance rates to guarantee you are still saving the most.
• Only buy what you need – Insurance policies have a lot of additional coverages that can add up if you aren’t diligent. Add-on coverages like personal injury protection, towing coverage, and extra equipment coverage may be wasting your money. They may seem good initially, but if you’ve never needed them in the past think about removing them and cutting costs.
• Vehicle theft costs us all – Driving a car that has a built-in theft deterrent system can get you a discount on your insurance. Advanced theft deterrents like OnStar found on GM vehicles, advanced tracking like LoJack, and vehicle immobilization systems all help stop your car from being stolen.

• Toyota Tundra claim probability – Insurers use statistical claims data when they set coverage costs for each model. Models that have higher number or severity of losses will cost more for specific coverages. The information below illustrates the insurance loss data for Toyota Tundra vehicles.

  For each insurance policy coverage type, the claim amount for all vehicles combined as an average is represented as 100. Percentage numbers below 100 are indicative of better than average losses, while numbers that are greater than 100 indicate more frequent losses or tendency to have higher losses.

  
  

  Auto Insurance Loss Data for Toyota Tundra Models

  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

  BETTER

  AVERAGE

  WORSE

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

All the larger car insurance companies like GEICO, State Farm and Progressive allow you to get coverage prices direct online. Comparing Toyota Tundra insurance rates online is very simple as you simply type in the amount of coverage you want as detailed in the form. Behind the scenes, the quote system orders information on your driving record and credit history and generates pricing information based on the information you submitted. Getting online quotes for Toyota Tundra insurance in Scottsdale helps simplify price comparisons, and it’s also necessary to perform this step if you are searching for the cheapest price on car insurance.

In order to use this form to compare rates, compare quotes from the companies shown below. If you currently have coverage, we recommend you input coverages and limits identical to your current policy. This helps ensure you will have an apples-to-apples comparison for similar coverage.

The companies shown below are our best choices to provide free quotes in Arizona. To buy the best car insurance in Arizona, it’s a good idea that you visit two to three different companies to get the best price comparison.

Rate information and statistics

The information shown below highlights a range of coverage costs for Toyota Tundra models. Having a good grasp of how insurance prices are formulated can benefit drivers when making decisions when shopping around.

Prices above based on single male driver age 40, no speeding tickets, no at-fault accidents, $250 deductibles, and Arizona minimum liability limits. Discounts applied include multi-policy, homeowner, safe-driver, claim-free, and multi-vehicle. Estimates do not factor in specific Scottsdale garaging location which can influence insurance rates greatly.

Physical damage deductibles

One frequently asked question is how high should the physical damage coverage deductibles be. The tables below approximate the differences in price of buying low and high physical damage coverage deductibles. The first rate quote example uses a $100 physical damage deductible and the second price chart uses a $500 deductible.

Data based on married male driver age 30, no speeding tickets, no at-fault accidents, and Arizona minimum liability limits. Discounts applied include homeowner, safe-driver, claim-free, multi-vehicle, and multi-policy. Rate quotes do not factor in zip code location which can change prices noticeably.

Based on this data, using a $100 deductible costs an average of $22 more each month or $264 each year averaged for all Tundra models than selecting the higher $500 deductible. Because you would be required to pay $400 more out of your own pocket with a $500 deductible as compared to a $100 deductible, if you tend to average at least 18 months between claims, you would probably be better off by selecting a higher deductible.

The chart below shows how choosing a deductible and can increase or decrease Toyota Tundra insurance rates for different age groups. The information is based on a single male driver, full coverage, and no additional discounts are factored in.

Full coverage or liability only

The illustration below compares Toyota Tundra car insurance costs with full physical damage coverage compared to only buying the minimum liability limits required in Arizona. The price estimates are based on a clean driving record, no at-fault accidents, $250 deductibles, single marital status, and no discounts are taken into consideration.

When to stop buying comprehensive and collision coverage

There is no clear-cut rule for excluding physical damage coverage on your policy, but there is a general school of thought. If the yearly cost for physical damage coverage is more than 10% of the replacement cost of your vehicle minus the policy deductible, then it might be time to buy liability only.

For example, let’s say your Toyota Tundra replacement value is $5,000 and you have $1,000 physical damage deductibles. If your vehicle is destroyed, the most you would receive is $4,000 after the policy deductible has been paid. If premium cost is more than $400 a year to have full coverage, then you might consider buying liability only.

There are a few situations where removing full coverage is not a good plan. If you still have a lienholder on your title, you have to keep full coverage in order to prevent the bank from purchasing higher-priced coverage. Also, if you can’t afford to buy a different vehicle if your current one is damaged, you should keep full coverage.

Choosing vehicle insurance is an important decision

Despite the high insurance cost for a Toyota Tundra in Scottsdale, maintaining insurance may be required and benefits you in several ways.

• The majority of states have compulsory liability insurance requirements which means it is punishable by state law to not carry a specific level of liability insurance in order to get the vehicle licensed. 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.
• If your vehicle has a loan, it’s most likely the lender will force you to buy full coverage to guarantee their interest in the vehicle. If you do not keep the policy in force, the bank or lender will purchase a policy for your Toyota at a significantly higher premium and force you to pay a much higher amount than you were paying before.
• Auto insurance protects not only your Toyota but also your financial assets. Insurance will also pay for most medical and hospital costs incurred in an accident. Liability insurance also pays expenses related to your legal defense if you are named as a defendant in an auto accident. If you have damage to your Toyota as the result of the weather or an accident, collision and comprehensive (also known as other-than-collision) coverage will pay all costs to repair after the deductible has been paid.

The benefits of carrying adequate insurance more than cancel out the cost, particularly if you ever have a claim. The average driver in America is currently overpaying as much as $869 every year so compare rates each time the policy renews to make sure the price is not too high.

Score discounts on Scottsdale car insurance

Auto insurance companies don’t always list all their discounts very clearly, so we took the time to find both the well known and the harder-to-find discounts that may be available.

• Resident Student – Any of your kids who live away from home at college and do not have a car can be insured at a reduced rate.
• Multi-car Discount – Drivers who insure multiple cars or trucks on one policy can get a discount for every vehicle.
• Discounts for Good Drivers – Insureds who avoid accidents may save up to 50% more as compared to drivers with claims.
• Discount for Life Insurance – Not all car insurance companies offer life insurance, but some may give you a small discount if you purchase life insurance.
• Telematics Discount – People who choose to allow driving data submission to monitor when and where they use their vehicle by using a telematic data system such as Progressive’s Snapshot may get a rate reduction as long as they are good drivers.
• Discount for Good Grades – Maintaining excellent grades can save 20 to 25%. Many companies even apply the discount to college students well after school through age 25.
• Government Employee Discount – Simply working for the federal government can earn a discount up to 10% depending on your company.

As a disclaimer on discounts, most discount credits are not given to the overall cost of the policy. Most cut the price of certain insurance coverages like collision or personal injury protection. Even though it may seem like having all the discounts means you get insurance for free, it doesn’t quite work that way.

The chart below visualizes the comparison of Toyota Tundra car insurance costs with and without discounts applied to the policy rates. The price estimates are based on a male driver, no claims, a clean driving record, Arizona state minimum liability limits, full coverage, and $250 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with safe-driver, marriage, multi-policy, multi-car, claim-free, and homeowner discounts applied.

To locate companies offering car insurance discounts in Arizona, click this link.

Compare prices but work with a local neighborhood Scottsdale car insurance agent

Many people just want to have an agent’s advice and doing that can be a smart decision The best thing about comparing insurance online is that you can obtain cheap insurance quotes and still buy from a local agent. Supporting local insurance agents is definitely important in Scottsdale.

Once you complete this form (opens in new window), your insurance data is immediately sent to local insurance agents who will gladly provide quotes to get your business. You never need to leave your computer since rate quotes are delivered straight to your inbox. You can most likely find cheaper rates and an insurance agent to talk to. If you want to compare rates from a specific insurance company, you would need to search and find their rate quote page and give them your coverage information.

When searching for a reliable agent, you should know the different types of agents that you can select. Insurance policy providers can be classified as either exclusive agents or independent agents.

Independent Insurance Agents (or Brokers)

Agents of this type are normally appointed by many insurers and that gives them the ability to insure with many different companies and find the cheapest rate. If they find a lower price, they can switch companies in-house and that require little work on your part. When comparison shopping, we highly recommend that you get rate quotes from multiple independent agents to maximize your price options.

Shown below are independent insurance agencies in Scottsdale that may be able to give you price quote information.

More insurance agents

Exclusive Insurance Agents

Exclusive agents can only provide one company’s prices like Allstate, State Farm and Farmers Insurance. Exclusive agents cannot compare other company’s rates so they have no alternatives for high prices. Exclusive agents are very knowledgeable on their company’s products and that allows them to sell at a higher price point.

The following are exclusive agencies in Scottsdale that can give you price quote information.

More insurance agents

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

• Are there any hidden costs in their price quote and does it include driving and credit history?
• Do you qualify for any additional discounts?
• Are they properly licensed to sell insurance in Arizona?
• Do they have adequate Errors and Omissions coverage? This protects you if they make a mistake.
• Does the agent help file claims?
• Where are claims handled?
• If you are a high risk driver, do they have special markets for your coverage?

Insurance savings summarized

As you go through the steps to switch your coverage, never sacrifice coverage to reduce premiums. Too many times, an accident victim reduced comprehensive coverage or liability limits only to regret at claim time that the few dollars in savings costed them thousands. The goal is to purchase a proper amount of coverage at the best possible price, not the least amount of coverage.

Cheaper insurance in Scottsdale is definitely available on the web as well as from independent agents in Scottsdale, so you need to quote Scottsdale auto insurance with both in order to have the best chance of saving money. There are still a few companies who may not have rates over the internet and many times these small, regional companies only sell coverage through independent agents.

More detailed insurance information is available at these sites:

• Uninsured Motorists: Threats on the Road (Insurance Information Institute)
• Who Has Cheap Auto Insurance Rates for a Nissan Altima in Scottsdale? (FAQ)
• Who Has the Cheapest Car Insurance Rates for a Honda CR-V in Scottsdale? (FAQ)
• What Insurance is Cheapest for 4×4 Vehicles in Scottsdale? (FAQ)
• Who Has the Cheapest Car Insurance Rates for a School Permit in Scottsdale? (FAQ)
• What Auto Insurance is Cheapest for High Risk Drivers in Scottsdale? (FAQ)
• Who Has Affordable Car Insurance Quotes for 17 Year Olds in Scottsdale? (FAQ)
• Who Has Affordable Auto Insurance for Uninsured Drivers in Scottsdale? (FAQ)
• If I File a Claim will My Insurance Go Up? (Insurance Information Institute)
• How do I File a Claim? (Insurance Information Institute)
• Eight Auto Insurance Myths (Insurance Information Institute)