View 1999 Toyota Tacoma Car Insurance Rates

Feel like you’re a prisoner to an overpriced auto insurance policy? Trust us, there are many consumers feeling the pinch from expensive auto insurance.

Consumers have many auto insurance companies to purchase coverage from, and although it’s a good thing to have a choice, it makes it harder to compare rates and cut insurance costs.

Shopping for cheaper insurance coverage coverage is quite easy. Just about everyone who carries insurance coverage stands a good chance to be able to find lower rates. But car owners must understand the way insurance companies price online insurance.

These discounts can lower your rates

Car insurance is not cheap, but there are discounts available that can drop the cost substantially. A few discounts will automatically apply when you purchase, but less common discounts must be asked for before they will apply.

  • Sign Early and Save – Some insurance companies reward drivers for buying a policy prior to your current policy expiration. It can save you around 10%.
  • Driver’s Ed – Make teen driver coverage more affordable by requiring them to successfully complete driver’s ed class if it’s offered in school.
  • Employee of Federal Government – Employees or retirees of the government can save as much as 8% on Tacoma insurance with select insurance companies.
  • Theft Prevention Discount – Cars that have factory anti-theft systems are stolen less frequently and therefore earn up to a 10% discount.
  • Anti-lock Brake System – Vehicles equipped with ABS or steering control prevent accidents and therefore earn up to a 10% discount.

Drivers should understand that most credits do not apply the the whole policy. Most only cut the price of certain insurance coverages like collision or personal injury protection. Just because you may think you would end up receiving a 100% discount, it doesn’t quite work that way. But all discounts will reduce the cost of coverage.

A partial list of companies that may have these money-saving discounts include:

It’s a good idea to ask all companies you are considering how you can save money. Some discounts might not apply in every state.

Toyota Tacoma rates are complex

An important part of buying insurance is that you know some of the elements that come into play when calculating your insurance rates. Knowing what impacts premium levels allows you to make educated decisions that could result in much lower annual insurance costs.

  • Policy add-ons can waste money – There are quite a few additional coverages that you can get tricked into buying if you aren’t careful. Insurance for personal injury protection, accidental death and additional equipment coverage are some examples. They may seem like a good idea when you first buy your policy, but now you might not need them so eliminate the coverages to reduce your premium.
  • Your spouse saves you money – Having a spouse can get you a discount on your policy. Having a significant other means you’re more mature and responsible and statistics show drivers who are married are more cautious.
  • How many coverages with the same company – Many companies will award you with lower prices to customers who buy several policies from them. It’s known as a multi-policy discount. Discounts can be anywhere from five to ten percent in most cases. Even with this discount, it’s in your best interest to compare rates to confirm you are receiving the best rates possible. You may still find better rates by splitting coverages up.
  • Drive less and save money – The more miles you rack up on your Toyota in a year’s time the higher your rates will be. Most insurance companies apply a rate determined by how the vehicle is used. Cars used primarily for pleasure use get more affordable rates than vehicles that are driven to work every day. If your policy improperly rates your Tacoma can result in significantly higher rates. Double check that your insurance policy is rated on how each vehicle is driven.

Different people need different coverages

When it comes to buying the best insurance coverage coverage, there really is not a cookie cutter policy. Everyone’s needs are different and your policy should reflect that. Here are some questions about coverages that might point out whether your personal situation could use an agent’s help.

  • Can I get a multi-policy discount?
  • When would I need rental car insurance?
  • What can I do if my company won’t pay a claim?
  • Are there companies who specialize in insuring high-risk drivers?
  • Do I need added coverage for expensive stereo equipment?
  • What if I total my 1999 Toyota Tacoma and owe more than it’s worth?
  • Am I covered by my employer’s commercial auto policy when driving my personal car for business?
  • Do I need PIP coverage since I have good health insurance?
  • Am I covered when renting a car or should I buy coverage from the car rental agency?
  • Can I rent a car in Mexico?

If you can’t answer these questions but you know they apply to you then you might want to talk to a licensed insurance agent. To find an agent in your area, complete this form or you can go here for a list of companies in your area.

Car insurance coverage breakdown

Understanding the coverages of your car insurance policy can be of help when determining the right coverages at the best deductibles and correct limits. The terms used in a policy can be ambiguous and nobody wants to actually read their policy. Below you’ll find the normal coverages found on the average car insurance policy.

Comprehensive coverage

Comprehensive insurance coverage pays to fix your vehicle from damage OTHER than collision with another vehicle or object. You first must pay your deductible and then insurance will cover the rest of the damage.

Comprehensive can pay for claims such as falling objects, hitting a deer, theft, hail damage and damage from getting keyed. The maximum payout your car insurance company will pay is the cash value of the vehicle, so if the vehicle is not worth much consider dropping full coverage.

Collision insurance

Collision coverage will pay to fix damage to your Tacoma caused by collision with another vehicle or an object, but not an animal. A deductible applies and then insurance will cover the remainder.

Collision coverage protects against things such as crashing into a building, colliding with another moving vehicle, scraping a guard rail, hitting a mailbox and sustaining damage from a pot hole. This coverage can be expensive, so consider removing coverage from lower value vehicles. Drivers also have the option to increase the deductible to save money on collision insurance.

Liability coverages

Liability coverage protects you from injuries or damage you cause to other’s property or people. This insurance protects YOU against claims from other people, and doesn’t cover damage to your own property or vehicle.

Liability coverage has three limits: bodily injury per person, bodily injury per accident and property damage. You might see policy limits of 50/100/50 which means $50,000 in coverage for each person’s injuries, $100,000 for the entire accident, and a limit of $50,000 paid for damaged property. Another option is one limit called combined single limit (CSL) which combines the three limits into one amount with no separate limits for injury or property damage.

Liability coverage protects against claims such as legal defense fees, funeral expenses, emergency aid, structural damage and medical services. How much coverage you buy is a decision to put some thought into, but buy as high a limit as you can afford.

Medical payments coverage and PIP

Medical payments and Personal Injury Protection insurance kick in for immediate expenses like prosthetic devices, rehabilitation expenses, X-ray expenses and surgery. The coverages can be used to cover expenses not covered by your health insurance plan or if you lack health insurance entirely. They cover you and your occupants as well as any family member struck as a pedestrian. PIP coverage is not universally available but can be used in place of medical payments coverage

Uninsured/Underinsured Motorist coverage

This coverage provides protection when the “other guys” do not carry enough liability coverage. Covered claims include hospital bills for your injuries as well as damage to your Toyota Tacoma.

Since many drivers carry very low liability coverage limits, their limits can quickly be used up. This is the reason having UM/UIM coverage is a good idea. Normally these limits are set the same as your liablity limits.

Shop Smart and Save

Throughout this article, we presented a lot of tips how to save on 1999 Toyota Tacoma insurance. The key concept to understand is the more providers you compare, the better chance you’ll have of finding lower rates. Drivers may discover the best prices are with a small mutual company. Smaller companies can often insure niche markets at a lower cost than their larger competitors like Progressive or Geico.

When shopping online for insurance coverage, it’s not a good idea to buy poor coverage just to save money. There are many occasions where an insured dropped physical damage coverage only to find out that a couple dollars of savings turned into a financial nightmare. The ultimate goal is to find the BEST coverage at a price you can afford while still protecting your assets.

Much more information about insurance coverage is located on the following sites: