Compare Toyota Tacoma Insurance Rates in Seattle

Insurance quote for Toyota Tacoma in SeattleDo you want to save money by finding cheaper Toyota Tacoma insurance in Seattle? Finding better insurance prices for a new or used Toyota Tacoma in Washington can turn out to be a lot of work, but you can follow these tips to save time.

There is a right way and a wrong way to compare auto insurance rates and we’ll show you the proper way to get price quotes for a Toyota and locate the cheapest rates.

Best Toyota Tacoma insurance rate quotes in Washington

The car insurance companies shown below have been selected to offer price comparisons in Seattle, WA. If multiple companies are listed, we recommend you get rate quotes from several of them to get the best price comparison.

Toyota Tacoma Insurance Estimates in Seattle, WA
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Tacoma 2WD $106 $236 $334 $20 $100 $796 $66
Tacoma 4WD $290 $376 $386 $22 $116 $1,190 $99
Tacoma Double Cab 4WD $160 $318 $334 $20 $100 $932 $78
Tacoma X-Runner 2WD $230 $496 $304 $18 $90 $1,138 $95
Tacoma Double Cab 4WD $246 $448 $310 $18 $92 $1,114 $93
Tacoma Double Cab TRD Off-Road Package 4WD $158 $242 $294 $18 $88 $800 $67
Tacoma Double Cab TRD Sport Package 4WD $136 $248 $334 $20 $100 $838 $70
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Price data assumes single male driver age 50, no speeding tickets, no at-fault accidents, $1,000 deductibles, and Washington minimum liability limits. Discounts applied include safe-driver, claim-free, multi-vehicle, homeowner, and multi-policy. Price estimates do not factor in Seattle location which can raise or lower insurance rates noticeably.

An analysis of deductible level

One of the most common car insurance questions is where to set your physical damage deductibles. The figures shown below may help to conceptualize how much more rates are when you select higher and lower insurance deductibles. The first set of prices uses a $250 deductible for physical damage and the second data table uses a $1,000 deductible.

Toyota Tacoma insurance premium estimates with $250 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Tacoma 2WD $198 $384 $294 $18 $88 $1,007 $84
Tacoma 4WD $228 $316 $294 $18 $88 $969 $81
Tacoma Double Cab 4WD $228 $384 $294 $18 $88 $1,037 $86
Tacoma X-Runner 2WD $228 $452 $294 $18 $88 $1,105 $92
Tacoma Double Cab 4WD $258 $384 $294 $18 $88 $1,067 $89
Tacoma Double Cab TRD Off-Road Package 4WD $258 $384 $294 $18 $88 $1,067 $89
Tacoma Double Cab TRD Sport Package 4WD $258 $384 $294 $18 $88 $1,067 $89
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Toyota Tacoma insurance premium estimates with $1,000 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Tacoma 2WD $122 $242 $294 $18 $88 $764 $64
Tacoma 4WD $140 $198 $294 $18 $88 $738 $62
Tacoma Double Cab 4WD $140 $242 $294 $18 $88 $782 $65
Tacoma X-Runner 2WD $140 $284 $294 $18 $88 $824 $69
Tacoma Double Cab 4WD $158 $242 $294 $18 $88 $800 $67
Tacoma Double Cab TRD Off-Road Package 4WD $158 $242 $294 $18 $88 $800 $67
Tacoma Double Cab TRD Sport Package 4WD $158 $242 $294 $18 $88 $800 $67
Get Your Own Custom Quote Go

Table data represents married male driver age 30, no speeding tickets, no at-fault accidents, and Washington minimum liability limits. Discounts applied include multi-policy, claim-free, homeowner, safe-driver, and multi-vehicle. Rate quotes do not factor in zip code location which can decrease or increase premiums greatly.

Based on this data, we can arrive at the conclusion that using a $250 deductible costs about $21 more each month or $252 each year than choosing the higher $1,000 deductible. Because you would be required to pay $750 more to settle a claim with a $1,000 deductible as compared to a $250 deductible, if you tend to average at least 36 months between claim filings, you would probably save some money by going with a higher deductible.

Toyota Tacoma insurance costs by gender and age

The information below shows the difference between Toyota Tacoma car insurance rates for male and female drivers. The rates are based on a clean driving record, no claims, comprehensive and collision coverage, $250 deductibles, single marital status, and no discounts are taken into consideration.

Affordable rates with these seven discounts

Car insurance is not an enjoyable expense, but there are discounts available that could help you make your next renewal payment. Most are applied when you complete an application, but some need to be asked about before being credited.Car insurance discounts

Discounts reduce rates, but you should keep in mind that most discounts do not apply to the entire cost. Most only apply to the cost of specific coverages such as physical damage coverage or medical payments. Even though the math looks like you would end up receiving a 100% discount, car insurance companies aren’t that generous.

To see car insurance companies who offer online Toyota Tacoma insurance quotes in Washington, click here.

Comparing prices from local Seattle auto insurance agents

Many people just prefer to buy from a licensed agent and there is nothing wrong with that. Good agents are highly skilled in risk management and help submit paperwork. A nice benefit of getting online price quotes is that you can obtain cheap rate quotes but still work with a licensed agent. Putting coverage with local agents is important particularly in Seattle.

Seattle insurance agentsAfter completing this quick form, your insurance data is emailed to agents in your area that can provide free Seattle auto insurance quotes to get your business. It makes it easy because there is no need to drive around since price quotes are sent to you directly. If you need to get a rate quote from one company in particular, feel free to go to their quote page and submit a quote form there.

Different types of auto insurance agents in Seattle

If you would like to find a reputable insurance agent or broker, it’s helpful to know the types of agencies and how they differ in how they quote coverages. Insurance policy providers can be classified as either exclusive or independent. Both sell and service insurance coverage, but it’s important to point out the difference in how they write coverage since it can impact which type of agent you select.

Independent Insurance Agencies

Independent agencies do not have single company limitations and that gives them the ability to insure with an assortment of companies and potentially find a lower price. If prices rise, they simply move your policy to a different company and you don’t have to do anything.

If you need cheaper insurance rates, we recommend you check rates from independent agents to maximize your price options. Most can insure with companies that do not advertise much which can be an advantage.

Shown below is a partial list of independent agents in Seattle who may be able to give you competitive price quotes.

More Seattle agents

Exclusive Agencies

Agents in the exclusive channel write business for a single company such as Allstate, State Farm and Farm Bureau. They generally cannot place coverage with different providers so keep that in mind. These agents are well schooled on what they offer which aids in selling service over price. Consumers frequently buy from exclusive agents partially due to the prominent brand name instead of buying on price only.

Shown below are exclusive insurance agents in Seattle that can give you price quote information.

More Seattle agents

Choosing an car insurance agent needs to be determined by more than just a low price. Here are some questions you might want to ask.

Be skeptical of auto insurance ads

Consumers can’t get away from all the ads that claim the best prices by 21st Century, Allstate and State Farm. They all seem to make an identical promise that people will save just by switching your coverage.

How does each company make the same claim? Just pay attention to how they say it.

Most companies have a preferred profile for the type of driver that is profitable for them. An example of a desirable insured might have to be married and over the age of 30, has a clean driving record, and the vehicle is rated for pleasure use. A driver that meets those criteria will qualify for the lowest rates in Seattle and will also save when switching.

Consumers who are not a match for the requirements will be charged a higher rate which usually ends up with the customer buying from a different company. The trick companies use is to say “customers who switch” not “all people who quote” can get the lowest rates when switching. That is how insurance companies can claim big savings.

This illustrates why drivers must get price quotes at each policy renewal. You cannot predict which auto insurance company will give you the biggest savings.

Specifics of your auto insurance policy

Understanding the coverages of your policy can be of help when determining the best coverages and proper limits and deductibles. The terms used in a policy can be difficult to understand and reading a policy is terribly boring.

Liability insurance – Liability coverage protects you from damages or injuries you inflict on a person or their property that is your fault. Liability coverage has three limits: per person bodily injury, per accident bodily injury, and a property damage limit. As an example, you may have limits of 25/50/10 which means $25,000 bodily injury coverage, a limit of $50,000 in injury protection per accident, and a total limit of $10,000 for damage to vehicles and property. Another option is a combined limit that pays claims from the same limit rather than limiting it on a per person basis.

Liability coverage pays for claims like funeral expenses, medical services and legal defense fees. How much coverage you buy is up to you, but buy as much as you can afford. Washington state minimum liability requirements are 25/50/10 but you should think about purchasing better liability coverage.

Insurance for medical payments – Coverage for medical payments and/or PIP kick in for short-term medical expenses for chiropractic care, nursing services, EMT expenses, dental work and funeral costs. They are often used to fill the gap from your health insurance program or if you are not covered by health insurance. Coverage applies to you and your occupants and also covers being hit by a car walking across the street. Personal Injury Protection is not an option in every state and may carry a deductible

Comprehensive coverage (or Other than Collision) – This will pay to fix damage caused by mother nature, theft, vandalism and other events. You first must pay your deductible and then insurance will cover the rest of the damage.

Comprehensive coverage pays for claims such as fire damage, hitting a deer, vandalism, a tree branch falling on your vehicle and hail damage. The most you’ll receive from a claim is the market value of your vehicle, so if your deductible is as high as the vehicle’s value consider dropping full coverage.

Uninsured Motorist or Underinsured Motorist insurance – Uninsured or Underinsured Motorist coverage gives you protection when the “other guys” do not carry enough liability coverage. Covered losses include injuries sustained by your vehicle’s occupants as well as your vehicle’s damage.

Due to the fact that many Washington drivers carry very low liability coverage limits (which is 25/50/10), their liability coverage can quickly be exhausted. This is the reason having UM/UIM coverage should not be overlooked. Most of the time your uninsured/underinsured motorist coverages are set the same as your liability limits.

Collision coverage – This covers damage to your Tacoma resulting from colliding with another car or object. A deductible applies and then insurance will cover the remainder.

Collision insurance covers claims like backing into a parked car, colliding with a tree, crashing into a ditch, rolling your car and hitting a mailbox. Collision coverage makes up a good portion of your premium, so consider dropping it from vehicles that are older. You can also bump up the deductible on your Tacoma in order to get cheaper collision rates.

Cover all your bases

Lower-priced car insurance in Seattle is available from both online companies and from local insurance agents, and you should compare rates from both to have the best rate selection. There are still a few companies who may not provide price quotes online and usually these small insurance companies work with independent insurance agencies.

People switch companies for many reasons like not issuing a premium refund, high prices, denial of a claim or even policy cancellation. It doesn’t matter why you want to switch switching companies is pretty simple and you could end up saving a buck or two.

As you restructure your insurance plan, never buy poor coverage just to save money. In many instances, someone dropped liability coverage limits only to discover later they didn’t have enough coverage. Your strategy should be to buy the best coverage you can find at a price you can afford while not skimping on critical coverages.

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