How to Save on Toyota Tundra Insurance in San Antonio

Are you regretting buying high-priced Toyota Tundra insurance in San Antonio? It’s a common feeling and there are lots of people in the same boat.

Discount Toyota Tundra insuranceWe don’t have to point out that fact that auto insurance companies don’t want you shop around. Drivers who compare rates at least once a year are very likely to switch auto insurance companies because they stand a good chance of finding a policy with better rates. A survey found that drivers who compared prices regularly saved as much as $865 annually compared to policyholders who never compared other company’s rates.

If finding low prices for car insurance is your ultimate objective, then having a good understanding the best way to shop and compare car insurance can make it easier for you to save money.

Online insurance companies like GEICO, 21st Century and Progressive persitently shower you with ad campaigns and it can be hard to avoid their marketing magic and take the time to shop coverage around.

It’s a good idea to do price comparisons as often as possible because auto insurance prices change regularly. Despite the fact that you may have had the best quotes on Toyota Tundra insurance in San Antonio a couple years back you may be paying too much now. Forget anything you know (or think you know) about auto insurance because we’re going to show you the easiest way to reduce your cost while increasing coverage.

If you have insurance now, you will most likely be able to reduce premiums using these techniques. Locating the best rates in San Antonio is quite easy. Although Texas consumers can benefit from knowing the way companies price insurance differently and apply this information to your search.

When comparison shopping, there are several ways to compare quotes from different companies. One of the best ways to find affordable Toyota Tundra insurance rates consists of shopping online.

Comparison shopping rate quotes online is easy and it replaces the need to spend time driving to different San Antonio agent offices. Shopping for auto insurance online eliminates the middleman unless you require the trained guidance of a licensed agent. However, consumers can price shop your coverage online but have your policy serviced through an agent. Just keep in mind that having more price comparisons provides better odds of finding lower pricing.

The companies shown below provide free quotes in Texas. If multiple companies are shown, we recommend you visit several of them in order to get a fair rate comparison.

Discounts can help save money on Toyota Tundra insurance in San Antonio

The cost of insuring your cars can be expensive, but there’s a good chance there are discounts to help bring down the price. A few discounts will be applied when you quote, but some discounts are required to be specially asked for in order for you to get them. If you are not receiving all the discounts available, you could be getting lower rates.Save money with discounts

As a footnote on discounts, some credits don’t apply to the overall cost of the policy. Most only cut specific coverage prices like liability, collision or medical payments. So when the math indicates you could get a free car insurance policy, car insurance companies aren’t that generous.

The illustration below compares Toyota Tundra insurance premiums with and without discounts applied. The information is based on a male driver, a clean driving record, no at-fault accidents, Texas state minimum liability limits, comp and collision included, and $500 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with claim-free, multi-policy, safe-driver, marriage, homeowner, and multi-car discounts applied.

Some of the larger companies that have these benefits may include but are not limited to:

Double check with every insurance company to give you their best rates. Savings may not be available in San Antonio. If you would like to see a list of car insurance companies with discount car insurance rates in Texas, follow this link.

Toyota Tundra insurance rate analysis

The table shown below showcases detailed analysis of insurance premium costs for Toyota Tundra models. Having a better understanding of how rate quotes are established is important for you to make smart choices when selecting a coverage provider.

Toyota Tundra Insurance Rates in San Antonio, TX
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Tundra Regular Cab 2WD $318 $598 $582 $34 $174 $1,706 $142
Tundra SR/5 Double Cab 2WD $364 $728 $582 $34 $174 $1,882 $157
Tundra SR/5 Crew Max 2WD $364 $728 $582 $34 $174 $1,882 $157
Tundra Regular Cab 4WD $410 $728 $582 $34 $174 $1,928 $161
Tundra Double Cab 4WD $410 $728 $582 $34 $174 $1,928 $161
Tundra SR/5 Double Cab 4WD $410 $728 $582 $34 $174 $1,928 $161
Tundra Limited Double Cab 2WD $410 $858 $582 $34 $174 $2,058 $172
Tundra Limited Crew MAX 2WD $410 $858 $582 $34 $174 $2,058 $172
Tundra Limited Crew MAX 4WD $458 $858 $582 $34 $174 $2,106 $176
Tundra SR/5 Crew Max 4WD $458 $858 $582 $34 $174 $2,106 $176
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Prices based on single female driver age 30, no speeding tickets, no at-fault accidents, $100 deductibles, and Texas minimum liability limits. Discounts applied include claim-free, multi-policy, homeowner, safe-driver, and multi-vehicle. Table data does not factor in vehicle garaging location which can alter auto insurance rates noticeably.

Deductible comparison

A question often asked by San Antonio drivers is the level to set your comp and collision deductibles. The premium rates below may help to illustrate the rate fluctuation when you select higher and lower physical damage coverage deductibles. The first rate quote example uses a $250 deductible and the second rate chart uses a $1,000 deductible.

Toyota Tundra insurance rates with $250 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Tundra Regular Cab 2WD $256 $408 $430 $26 $128 $1,273 $106
Tundra SR/5 Double Cab 2WD $294 $496 $430 $26 $128 $1,399 $117
Tundra SR/5 Crew Max 2WD $294 $496 $430 $26 $128 $1,399 $117
Tundra Regular Cab 4WD $332 $496 $430 $26 $128 $1,437 $120
Tundra Double Cab 4WD $332 $496 $430 $26 $128 $1,437 $120
Tundra SR/5 Double Cab 4WD $332 $496 $430 $26 $128 $1,437 $120
Tundra Limited Double Cab 2WD $332 $584 $430 $26 $128 $1,525 $127
Tundra Limited Crew MAX 2WD $332 $584 $430 $26 $128 $1,525 $127
Tundra Limited Crew MAX 4WD $370 $584 $430 $26 $128 $1,563 $130
Tundra SR/5 Crew Max 4WD $370 $584 $430 $26 $128 $1,563 $130
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Toyota Tundra insurance rates with $1,000 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Tundra Regular Cab 2WD $158 $256 $430 $26 $128 $998 $83
Tundra SR/5 Double Cab 2WD $182 $312 $430 $26 $128 $1,078 $90
Tundra SR/5 Crew Max 2WD $182 $312 $430 $26 $128 $1,078 $90
Tundra Regular Cab 4WD $206 $312 $430 $26 $128 $1,102 $92
Tundra Double Cab 4WD $206 $312 $430 $26 $128 $1,102 $92
Tundra SR/5 Double Cab 4WD $206 $312 $430 $26 $128 $1,102 $92
Tundra Limited Double Cab 2WD $206 $368 $430 $26 $128 $1,158 $97
Tundra Limited Crew MAX 2WD $206 $368 $430 $26 $128 $1,158 $97
Tundra Limited Crew MAX 4WD $228 $368 $430 $26 $128 $1,180 $98
Tundra SR/5 Crew Max 4WD $228 $368 $430 $26 $128 $1,180 $98
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Price data assumes married male driver age 30, no speeding tickets, no at-fault accidents, and Texas minimum liability limits. Discounts applied include claim-free, safe-driver, multi-policy, homeowner, and multi-vehicle. Table data does not factor in San Antonio location which can lower or raise premium rates substantially.

Based on these figures, using a $250 deductible will cost you about $28 more each month or $336 every year averaged for all Tundra models than opting for the higher $1,000 deductible. Because you would be required to pay $750 more if you turn in a claim with a $1,000 deductible as compared to a $250 deductible, if you normally average at least 27 months between claim filings, you would save money if you choose the higher deductible.

How to decide to raise your deductibles

Average monthly premium for $250 deductibles: $121
Average monthly premium for $1,000 deductibles (subtract): – $93
Monthly savings from raising deductible: $28
Difference between deductibles ($1,000 – $250): $750
Divide difference by monthly savings: $750 / $28
Number of months required between physical damage coverage claims in order to save money by choosing the higher deductible 27 months

Premiums by gender and age

The example below shows the difference between Toyota Tundra auto insurance rates for male and female drivers. The data is based on no claims, a clean driving record, comp and collision included, $100 deductibles, single status, and no discounts are applied.

Toyota Tundra Insurance Price Factors

Many different elements are used when quoting car insurance. Some factors are common sense such as your driving record, but others are more obscure such as whether you are married or your financial responsibility. Part of the car insurance buying process is learning the rating factors that go into determining your car insurance rates. If you know what determines base rates, this allows you to make educated decisions that will entitle you to cheaper rates.

The following are some of the factors that factor into prices.

Premiums increase with driving tickets – Your driving record has a huge affect on how much you pay. Getting just one driving citation may increase your cost by twenty percent. Careful drivers pay less for auto insurance than bad drivers. Drivers who have gotten serious violations such as DWI, reckless driving or hit and run convictions may find they need to maintain a SR-22 with their state motor vehicle department in order to continue driving.

The example below highlights how speeding tickets and fender-benders can raise Toyota Tundra car insurance rates for different ages of insureds. The premium estimates are based on a married male driver, full coverage, $500 deductibles, and no policy discounts are applied.

Long commutes cost more – The higher the miles on your Toyota in a year’s time the higher your rates will be. The majority of insurers calculate prices based upon how much you drive. Autos that are left in the garage receive better premium rates than vehicles that are driven to work every day. It’s a good idea to make sure your policy correctly shows the correct driver usage, because it can save money. Improper usage on your Tundra is just wasting money.

Vehicle features that lower prices – Choosing to buy a car with a theft deterrent system can save you some money. Advanced theft deterrents like GM’s OnStar, tamper alarm systems and vehicle immobilizers can thwart car theft.

Do safer cars cost less to insure? – Cars with five star safety ratings tend to have lower insurance rates. Highly rated vehicles reduce occupant injuries and fewer injuries means your insurance company pays less and lower rates for you. If the Toyota Tundra scored better than four stars on or an “acceptable” rating on it may cost less to insure.

Car insurance rates and your employer – Did you know your occupation can influence how much you pay for car insurance? Occupations like military personnel, architects, and miners tend to have higher rates than average because of high stress levels and long work days. Conversely, jobs like actors, engineers and performers receive lower rates.

Age of drivers impacts rates – Beginning drivers in Texas are statistically proven to be easily distracted behind the wheel so they pay higher car insurance rates. Older insureds have been proven to be more responsible, tend to cause fewer accidents, and usually have better credit.

The following chart is based on a single driver, full coverage with $1000 deductibles, and no discounts or violations.

The higher your credit rating the lower your prices – Having a good credit history will be a significant factor in determining what you pay for car insurance. People that have high credit scores tend to be better drivers and file fewer claims than drivers with worse credit. If your credit is low, you could be paying less to insure your Toyota Tundra by improving your rating.

Insurance loss statistics a Toyota Tundra – Companies analyze claim trends for every vehicle when they file their rates in each state. Models that tend to have higher prevalence or dollar amount of losses will cost more for specific coverages.

The data below shows the historical insurance loss data for Toyota Tundra vehicles. For each type of coverage, the statistical loss for all vehicles compiled together is equal to 100. Numbers under 100 suggest a positive loss record, while values over 100 indicate more frequent claims or a tendency for losses to be larger than average.

Insurance Loss Ratings for Toyota Tundra Vehicles
Specific Toyota 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

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

Local San Antonio car insurance agents

Some people still prefer to talk to a local agent and there is nothing wrong with that. One of the great benefits of price shopping on the web is that you can obtain cheaper car insurance rates but also keep your business local. Supporting local insurance agents is still important in San Antonio.

Insurance agency in San AntonioFor easy comparison, once you complete this form (opens in new window), your coverage information is submitted to agents in your area who will give you bids for your insurance coverage. It’s much easier because you don’t need to drive around because quoted prices will be sent immediately to your email address. You’ll get the best rates and work with a local agent. If you need to get a comparison quote from a specific auto insurance provider, you can always navigate to their website and give them your coverage information.

Pick the best auto insurance agent in San Antonio for you

When looking for an insurance agent, it helps to know the two different types of agents and how they can quote your rates. Agents in San Antonio can either be independent agents or exclusive agents.

Independent Auto Insurance Agents

Independent insurance agents are not employed by one company and that gives them the ability to insure through lots of different companies and possibly get better coverage at lower prices. To transfer your coverage to a different company, they simply move the coverage in-house and the insured can keep the same agent.

When comparing auto insurance prices, we highly recommend that you compare prices from independent agents so that you have a good selection of quotes to compare.

The following are independent agents in San Antonio that can give you free rate quotes.

8607 Wurzbach Rd #101San Antonio, TX 78240(210) 696-1133View Map

A and A Insurance Agency
1317 Castroville RdSan Antonio, TX 78237(210) 434-2311View Map

5300 Walzem RdSan Antonio, TX 78218(210) 646-9870View Map

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Exclusive Auto Insurance Agencies

Agents that elect to be exclusive are contracted to one company and examples are Allstate, State Farm and Farmers Insurance. Exclusive agents are unable to give you multiple price quotes so they really need to provide good service. These agents are well trained in insurance sales which helps them compete with independent agents.

The following is a short list of exclusive agencies in San Antonio who can help you get comparison quotes.

8359 Perrin Beitel RdSan Antonio, TX 78218(210) 967-8669View Map

7863 Callaghan Rd #105San Antonio, TX 78229(210) 616-0662View Map

5975 Bandera RdSan Antonio, TX 78238(210) 647-7975View Map

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Choosing an insurance agent shouldn’t rely on just the bottom line cost. These are some questions you should get answers to.

After getting good responses to your questions and a low price estimate, you’ve probably found an auto insurance agent that can be trusted to adequately provide auto insurance. It’s important to know that consumers can cancel coverage at any point so don’t feel that you’re stuck with the auto insurance policy indefinitely.

When in doubt talk to an agent

Always keep in mind that when comparing a policy for your personal vehicles, there is no single plan that fits everyone. You are unique.Safe vehicles cost less to insure

For example, these questions can help discover if your situation will benefit from professional help.

If it’s difficult to answer those questions but you know they apply to you, you might consider talking to a licensed insurance agent. To find lower rates from a local agent, complete this form.

More comparisons equals affordable rates

Discount Toyota Tundra insurance in San Antonio can be purchased both online in addition to many San Antonio insurance agents, and you need to comparison shop both in order to have the best chance of saving money. Some insurance providers do not offer the ability to get a quote online and many times these small, regional companies prefer to sell through local independent agents.

People change insurance companies for many reasons like unfair underwriting practices, policy cancellation, high prices and high rates after DUI convictions. Whatever your reason, choosing a new company is not as difficult as it may seem.

We covered quite a bit of information on how to lower your Toyota Tundra insurance car insurance rates in San Antonio. The key concept to understand is the more providers you compare, the better likelihood of getting low cost San Antonio auto insurance quotes. Consumers may even find the lowest car insurance rates are with the smaller companies.

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