2014 Toyota Tacoma Car Insurance Cost

Looking for the cheapest insurance rates for your Toyota Tacoma? Comparison shopping for insurance is challenging for people who are new to shopping for insurance online. Drivers have so many companies to choose from that it can quickly become a real hassle to find lower rates.

Insurance Comparisons

Most major insurance companies quote insurance quotes directly from their websites. The process doesn’t take a lot of time as you simply type in your personal and coverage information into a form. After you submit the form their rating system makes automated requests for information on your driving record and credit history and returns a price.

Online price quotes makes comparing rates easy, but the work required to visit each company’s website and repetitively fill out multiple forms can be a bit repetitive. But it’s absolutely necessary to compare as many rates as possible if you want to find a lower rate.

An easier way to get multiple rate quotes uses one simple form that obtains quotes from several different companies. The form is fast, eliminates repetitive work, and makes online shopping much more enjoyable and efficient. Immediately after submitting the form, your coverage is rated with multiple companies and you can pick your choice of the quote results.

If you find a better price you can click and sign and buy the new coverage. This process takes just a few minutes to complete and you will know how your current rates stack up.

To compare rates using this form now, click here to open in new window and fill out the form. If you have coverage now, it’s recommended you duplicate the insurance coverages exactly as they are listed on your policy. This way, you will be getting a fair comparison for exact coverage.

Tailor your coverage to you

When buying the right insurance coverage for your personal vehicles, there really is not a “best” method to buy coverage. Everyone’s situation is a little different.

For example, these questions may help highlight if your situation might need an agent’s assistance.

  • Am I covered by my employer’s commercial auto policy when driving my personal car for business?
  • What is the difference between comprehensive and collision coverage?
  • Does my policy pay for OEM or aftermarket parts?
  • Who is covered when they drive my 2014 Toyota Tacoma?
  • Do I pay less for low miles?
  • Should I buy only the required minimum liability coverage?

If you can’t answer these questions but a few of them apply, then you may want to think about talking to an insurance agent. If you don’t have a local agent, fill out this quick form.

Coverages available on your auto insurance policy

Learning about specific coverages of auto insurance aids in choosing the right coverages and proper limits and deductibles. The coverage terms in a policy can be impossible to understand and even agents have difficulty translating policy wording.

Comprehensive insurance

Comprehensive insurance pays to fix your vehicle from damage caused by mother nature, theft, vandalism and other events. You need to pay your deductible first then your comprehensive coverage will pay.

Comprehensive coverage protects against claims like damage from a tornado or hurricane, theft and vandalism. The maximum payout a auto insurance company will pay at claim time is the cash value of the vehicle, so if the vehicle’s value is low consider removing comprehensive coverage.

Auto collision coverage

Collision coverage pays to fix your vehicle from damage caused by collision with a stationary object or other vehicle. You will need to pay your deductible then the remaining damage will be paid by your insurance company.

Collision can pay for things such as damaging your car on a curb, crashing into a ditch, colliding with another moving vehicle and backing into a parked car. This coverage can be expensive, so consider removing coverage from lower value vehicles. It’s also possible to bump up the deductible to save money on collision insurance.

Med pay and Personal Injury Protection (PIP)

Personal Injury Protection (PIP) and medical payments coverage reimburse you for immediate expenses for EMT expenses, doctor visits and surgery. They are used to fill the gap from your health insurance program or if you do not have health coverage. Coverage applies to all vehicle occupants as well as being hit by a car walking across the street. Personal injury protection coverage is not universally available but it provides additional coverages not offered by medical payments coverage

Uninsured/Underinsured Motorist (UM/UIM)

This protects you and your vehicle from other drivers when they do not carry enough liability coverage. It can pay for hospital bills for your injuries as well as damage to your Toyota Tacoma.

Since many drivers have only the minimum liability required by law, their liability coverage can quickly be exhausted. This is the reason having UM/UIM coverage should not be overlooked. Frequently your uninsured/underinsured motorist coverages are set the same as your liablity limits.

Liability coverage

This protects you from damages or injuries you inflict on other’s property or people. This coverage protects you against other people’s claims. It does not 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 commonly see liability limits of 25/50/25 which means $25,000 bodily injury coverage, $50,000 for the entire accident, and a total limit of $25,000 for damage to vehicles and property. Occasionally you may see one limit called combined single limit (CSL) which limits claims to one amount and claims can be made without the split limit restrictions.

Liability can pay for things such as attorney fees, legal defense fees, court costs and medical expenses. How much liability should you purchase? That is a decision to put some thought into, but consider buying as much as you can afford.