Compare Toyota Tundra Insurance Quotes in San Francisco

A study showed that most insurance customers kept buying from the same company for well over three years, and nearly the majority have never shopped around. California drivers could save an average of $470 each year just by comparing rates, but they assume it’s a waste of time to shop around.

The best way we recommend to get the cheapest auto insurance rates is to compare quotes once a year from companies that sell auto insurance in San Francisco. Rates can be compared by following these guidelines.

• First, try to learn a little about what coverages are included in your policy and the changes you can make to keep rates in check. Many rating factors that increase rates like accidents, traffic tickets, and an imperfect credit rating can be remedied by making small lifestyle or driving habit changes.
• Second, compare prices from direct, independent, and exclusive agents. Exclusive and direct companies can give quotes from a single company like Progressive and State Farm, while agents who are independent can quote prices from multiple insurance companies.
• Third, compare the new rates to your existing rates to determine if switching companies saves money. If you find a better price, make sure coverage is continuous and does not lapse.
• Fourth, give proper notification to your current agent or company of your intention to cancel your current policy. Submit a down payment along with a completed application for the new policy. As soon as you receive it, safely store the proof of insurance certificate along with the vehicle’s registration papers.

A tip to remember is to make sure you’re comparing similar deductibles and liability limits on every price quote and and to compare as many different insurance providers as possible. This provides a fair rate comparison and the most accurate and complete price analysis.

Reducing your insurance rates doesn’t have to be difficult. All you need to do is take time getting comparison quotes to discover which company has the cheapest Toyota Tundra rate quotes.

The car insurance companies shown below are our best choices to provide price quotes in San Francisco, CA. If the list has multiple companies, we suggest you visit two to three different companies in order to find the cheapest rates.

Insurance quotes and discounts

Car insurance is not cheap, but there’s a good chance there are discounts that you may not even be aware of. Many of these discounts will be applied automatically when you purchase, but some need to be manually applied before they will apply.

• Drivers Education – It’s a good idea to have your young drivers enroll and complete driver’s education as it will make them better drivers and lower rates.
• Senior Citizen Discount – Mature drivers are able to get better insurance rates.
• San Francisco Homeowners Pay Less – Just owning your own home can help you save on insurance since owning and maintaining a home demonstrates responsibility.
• New Vehicle Savings – Buying a new car instead of a used Tundra may earn a small discount because new model year vehicles are generally safer.
• Multiple Vehicles – Drivers who insure more than one vehicle on a single policy can reduce rates for all insured vehicles.
• Passive Restraints – Options like air bags may get savings of 20 to 30 percent.
• Low Mileage – Low annual miles can earn discounted premium rates on garaged vehicles.
• Employee of Federal Government – Simply working for the federal government can save as much as 8% with select insurance companies.

One last thing about discounts, most of the big mark downs will not be given to the entire policy premium. Most only cut the cost of specific coverages such as comprehensive or collision. Just because it seems like having all the discounts means you get insurance for free, it just doesn’t work that way.

The example below compares Toyota Tundra insurance costs with and without discounts applied. The premiums assume a male driver, no claims or violations, California state minimum liability limits, comp and collision included, and $100 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with multi-policy, homeowner, safe-driver, multi-car, claim-free, and marriage discounts applied.

A few popular companies and the discounts they provide include:

• Farm Bureau offers premium reductions for multi-policy, 55 and retired, good student, multi-vehicle, and youthful driver.
• Liberty Mutual offers discounts for newly married, good student, multi-car, hybrid vehicle, and new move discount.
• State Farm includes discounts for driver’s education, good student, multiple autos, multiple policy, safe vehicle, and Drive Safe & Save.
• Auto-Owners Insurance may offer discounts for good student, multi-policy, paperless, anti-lock brakes, safe driver, student away at school, and safe vehicle.
• GEICO may have discounts that include five-year accident-free, anti-theft, emergency military deployment, driver training, and daytime running lights.
• SAFECO has savings for teen safe driver, anti-lock brakes, drive less, bundle discounts, and anti-theft.

If you are trying to find inexpensive San Francisco auto insurance quotes, ask all the companies which discounts you qualify for. Depending on the company, some discounts might not be offered in your area. To choose insurance companies that provide some of the discounts listed above in San Francisco, click here to view.

Insurance coverage details

The rate table displayed next outlines estimates of rate quotes for Toyota Tundra models. Having insight into how auto insurance premiums are determined helps drivers make smart choices when selecting a policy.

Prices based on single female driver age 50, no speeding tickets, no at-fault accidents, $1000 deductibles, and California minimum liability limits. Discounts applied include homeowner, claim-free, multi-vehicle, multi-policy, and safe-driver. Estimates do not factor in garaging location in San Francisco which can decrease or increase coverage prices noticeably.

Higher deductibles save money

One of the hardest decisions when shopping for auto insurance is how high should the physical damage coverage deductibles be. The rates below outline the rate differences of buying low and high deductibles. The first pricing table uses a $250 deductible for comp and collision and the second data table uses a $500 deductible.

Data rating is based on married male driver age 30, no speeding tickets, no at-fault accidents, and California minimum liability limits. Discounts applied include multi-vehicle, homeowner, safe-driver, multi-policy, and claim-free. Price information does not factor in the specific area where the vehicle is garaged which can change coverage rates greatly.

Based on the figures above, using a $250 deductible will cost you roughly $18 more each month or $216 for a full year than requesting the higher $500 deductible. Since you would pay $250 more out-of-pocket with a $500 deductible as compared to a $250 deductible, if you go more than 14 months between claim filings, you would save more money if you choose the higher deductible.

One thing to be aware of is that raising deductibles results in more money out-of-pocket at claim time. You must have enough savings in order to pay the deductible.

The information below demonstrates how choosing different deductibles and can affect Toyota Tundra insurance rates for different age groups. The costs are based on a single male driver, comp and collision included, and no discounts are applied.

Difference between liability only and full coverage rates

The example below compares Toyota Tundra auto insurance costs with and without physical damage coverage. The prices are based on no accidents, no driving violations, $250 deductibles, single status, and no policy discounts are applied.

Should you be buying full coverage?

There is no clear-cut rule to eliminate comp and collision coverage, but there is a general school of thought. If the annual cost of coverage is more than 10% of the replacement cost minus the deductible, then it could be time to drop full coverage.

For example, let’s assume your Toyota Tundra replacement value is $3,000 and you have $1,000 deductibles. If your vehicle is severely damaged, the most you would get paid by your company is $2,000 after paying the physical damage deductible. If premium cost is more than $200 annually to have full coverage, then it could be time to drop full coverage.

There are a few cases where removing full coverage is not financially feasible. If you still owe a portion of the original loan, you have to keep full coverage as part of the loan conditions. Also, if you cannot afford to purchase a different vehicle in the event your current vehicle is totaled, you should keep full coverage.

Six factors that influence insurance costs

The best way to find cheaper car insurance is to take a look at the factors that are used to determine your car insurance rates. When consumers understand what impacts premium levels, this helps enable you to make changes that could result in cheaper rates. Many things are taken into consideration when pricing auto insurance. Most are fairly basic like a motor vehicle report, although some other factors are not quite as obvious such as your marital status or your vehicle rating.

• Know your vehicle’s IIHS safety rating – Vehicles that have high safety ratings get lower rates. These vehicles help reduce the chance of injuries in an accident and better occupant protection translates directly to fewer claims passed on to you as lower rates.

• Men pay more for insurance – Over the last 30 years, statistics show women tend to be less risk to insure than men. The data does not necessarily mean that men are WORSE drivers than women. Both sexes have at-fault accidents at a similar rate, but the male of the species cause more damage. Men also tend to have more aggressive citations such as DWI and reckless driving. Youthful male drivers are most likely to cause an accident so they pay the highest premiums.

  The chart below shows the comparison of Toyota Tundra yearly insurance costs for male and female drivers. The prices are based on no claims or violations, full coverage, $100 deductibles, single status, and no discounts are factored in.

• Liability protection risk factors – Liability coverage is the coverage that protects you if you are determined to be liable for causing damage or personal injury in an accident. Your policy’s liability insurance provides legal defense which can be incredibly expensive. This coverage is relatively inexpensive when compared with rates for comp and collision, so buy as much as you can afford.

• Obey driving laws and save – How you drive has a lot to do with how much you pay for insurance. Even a single ticket may cause rates to rise forty percent or more. Careful drivers get better rates compared to bad drivers. Drivers with flagrant citations like reckless driving or DUI may be required to file a SR-22 with their state’s department of motor vehicles in order to prevent a license revocation.

  The chart below highlights how traffic violations and accident claims drive up Toyota Tundra annual premium costs for different age groups. The premium estimates are based on a single female driver, full coverage, $500 deductibles, and no other discounts are factored in.

• Better prices with anti-theft devices – Owning a car that has an advanced theft prevention system can help lower your rates. Anti-theft devices like tamper alarm systems, vehicle immobilizer technology and General Motors OnStar can help prevent your vehicle from being stolen.
• Premiums are affected by your credit rating – A driver’s credit score can be a huge factor in determining premium rates. So if your credit rating could use some work, you could potentially save money when insuring your Toyota Tundra if you clean up your credit. People with very high credit ratings tend to be less risk to insure as compared to drivers with lower ratings.

• Toyota Tundra statistical loss data – Insurance companies factor in historical loss data when they file their rates in each state. Models that the data shows to have higher losses will be charged more to insure. The next table shows the insurance loss data used by companies for Toyota Tundra vehicles.

  For each type of coverage, the loss probability for all vehicles, regardless of make or model, is represented as 100. Values under 100 indicate better than average losses, while percentage values above 100 indicate frequent claims or a tendency for claims to be larger.

  
  

  Toyota Tundra Insurance Loss Statistics

  Vehicle Make and 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

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  Empty fields indicate not enough data collected
  Statistics from IIHS.org for 2013-2015 Model Years