View 2004 Toyota Tacoma Insurance Rates

Trying to find lower insurance rates for your Toyota Tacoma? Have you fallen victim to overpriced insurance? Trust us when we tell you you are not the only one feeling buyer’s remorse.

Big-name insurance companies like Geico and Progressive continually bombard you with fancy advertisements and it is difficult to not get sucked in by the cute commercials and take the time to shop coverage around.

You need to take a look at other company’s rates at least once a year due to the fact that insurance rates are variable and change quite frequently. Even if you got the lowest price for Tacoma insurance a year ago you will most likely find a better rate today. So forget all the misinformation about insurance because you’re going to learn one of the easiest ways to properly buy coverages and cut your premium.

The method we recommend to get policy rate comparisons is to understand most insurance companies provide online access to quote your coverage. To start a quote, the only thing you need to do is give the companies some data like any included safety features, level of coverage desired, whether you have decent credit, and distance driven. That information is sent automatically to many of the top insurers and you get price estimates almost instantly.

Save big with these discounts

Insurance can cost an arm and a leg, but you can get discounts to reduce the price significantly. Certain discounts will be applied at the time you complete a quote, but less common discounts must be manually applied before being credited.

One Accident Forgiven – Some insurance companies will allow you to have one accident before raising your premiums if you are claim-free prior to the accident.
Clubs and Organizations – Belonging to a professional or civic organization may earn a discount on your policy for Tacoma insurance.
55 and Retired – Older drivers can possibly qualify for a small decrease in premiums for Tacoma insurance.
Discounts for Safe Drivers – Safe drivers can pay as much as 50% less for Tacoma insurance than drivers with accident claims.
Pay Now and Pay Less – If you pay your bill all at once instead of monthly or quarterly installments you may reduce your total bill.

As a disclaimer on discounts, many deductions do not apply to the overall cost of the policy. A few only apply to individual premiums such as liability and collision coverage. So despite the fact that it appears all the discounts add up to a free policy, it doesn’t quite work that way. Any qualifying discounts will help reduce the amount you have to pay.

Insurance companies that may offer these benefits are:

It’s a good idea to ask all companies you are considering what discounts are available to you. All car insurance discounts may not be available in your state.

But I don’t know anything about car insurance

When buying the right insurance coverage, there really is not a cookie cutter policy. Everyone’s situation is unique and a cookie cutter policy won’t apply. For instance, these questions could help you determine if your situation might need professional guidance.

When should I not file a claim?
Should I buy full coverage?
Can I make deliveries for my home business?
Do I need more liability coverage?
Is my vehicle covered by my employer’s policy when using it for work?
Which companies will insure high-risk drivers?
Am I covered if I crash into my own garage door?
Is my nanny covered when driving my vehicle?

If you don’t know the answers to these questions but a few of them apply, you may need to chat with an agent. If you don’t have a local agent, take a second and complete this form or click here for a list of insurance coverage companies in your area.

Educate yourself about insurance coverages

Understanding the coverages of your policy can be of help when determining the right coverages and proper limits and deductibles. The coverage terms in a policy can be ambiguous and even agents have difficulty translating policy wording. These are the normal coverages offered by insurance companies.

Medical payments coverage and PIP

Coverage for medical payments and/or PIP kick in for short-term medical expenses for things like X-ray expenses, hospital visits, prosthetic devices and pain medications. The coverages can be used in conjunction with a health insurance policy or if you lack health insurance entirely. Medical payments and PIP cover not only the driver but also the vehicle occupants and also covers getting struck while a pedestrian. PIP coverage is not available in all states but can be used in place of medical payments coverage

Liability car insurance

This can cover damage that occurs to other people or property by causing an accident. It protects YOU against other people’s claims, and does not provide coverage for your injuries or vehicle damage.

Split limit liability has three limits of coverage: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. Your policy might show liability limits of 50/100/50 that means you have a $50,000 limit per person for injuries, a per accident bodily injury limit of $100,000, and a total limit of $50,000 for damage to vehicles and property. Some companies may use a combined limit which provides one coverage limit and claims can be made without the split limit restrictions.

Liability can pay for things like medical services, attorney fees and medical expenses. How much liability coverage do you need? That is your choice, but you should buy higher limits if possible.

Uninsured/Underinsured Motorist coverage

Uninsured or Underinsured Motorist coverage protects you and your vehicle’s occupants from other motorists when they do not carry enough liability coverage. Covered claims include medical payments for you and your occupants as well as damage to your Toyota Tacoma.

Since many drivers only carry the minimum required liability limits, their limits can quickly be used up. So UM/UIM coverage is important protection for you and your family. Usually the UM/UIM limits are set the same as your liablity limits.

Collision coverage

Collision insurance pays to fix your vehicle from damage resulting from colliding with a stationary object or other vehicle. You will need to pay your deductible then your collision coverage will kick in.

Collision coverage pays for claims like driving through your garage door, sustaining damage from a pot hole, hitting a mailbox and colliding with another moving vehicle. Paying for collision coverage can be pricey, so you might think about dropping it from vehicles that are 8 years or older. Another option is to bump up the deductible to get cheaper collision coverage.

Comprehensive coverage

This covers damage that is not covered by collision coverage. You first have to pay a deductible then your comprehensive coverage will pay.

Comprehensive coverage protects against things like hail damage, theft, a broken windshield, falling objects and hitting a deer. The highest amount you can receive from a comprehensive claim is the cash value of the vehicle, so if it’s not worth much more than your deductible consider removing comprehensive coverage.