Compare Toyota Tacoma Insurance Rate Quotes in Jacksonville

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Insurance quote for Toyota Tacoma in JacksonvilleReally, the only way to get more affordable car insurance rates in Jacksonville is to compare quotes annually from insurers in Florida. This can be done by following these guidelines.

  1. Get a basic knowledge of how car insurance works and the measures you can take to lower rates. Many factors that drive up the price like accidents, traffic tickets, and a low credit score can be amended by making minor driving habit or lifestyle changes. This article gives ideas to help prevent high rates and get discounts that may be overlooked.
  2. Request rate estimates from direct, independent, and exclusive agents. Exclusive agents and direct companies can only quote rates from one company like GEICO or Farmers Insurance, while independent agents can provide prices from multiple companies. View prices
  3. Compare the price quotes to the premium of your current policy to see if you can save by switching companies. If you can save some money, make sure there is no lapse between the expiration of your current policy and the new one.
  4. Provide notification to your current company of your intention to cancel your current car insurance policy and submit the completed application along with a down payment to the new company. When you receive it, keep your new certificate of insurance in a readily accessible location in your vehicle.

An important note is to use similar deductibles and liability limits on every price quote and and to analyze as many car insurance companies as possible. Doing this enables an accurate price comparison and a complete rate analysis.

It's hard to fathom, but a large majority of drivers have stayed with the same insurance company for over three years, and approximately 38% of consumers have never compared rate quotes at all. With the average insurance premium being $2,158, Florida drivers could save themselves roughly $1,130 a year by just comparing rate quotes, but they don't understand how simple it is to compare rate quotes.

If you are already insured or need a new policy, use these money-saving tips to lower your rates without sacrificing coverage. Buying the cheapest auto insurance in Jacksonville is really quite simple as long as you have a good starting point. Smart shoppers just have to understand the most time-saving way to compare price quotes using one simple form.

Why You Might Pay Increased Rates in Jacksonville

Part of the car insurance buying process is learning the different types of things that aid in calculating your policy premiums. When you understand what determines premiums, this enables informed choices that will entitle you to lower car insurance prices.

The list below includes just a few of the factors used by companies to determine prices.

Driving citations will cost you - Good drivers have lower premiums than people who have multiple driving citations. Just one citation can boost insurance rates to the point where it's not affordable. Drivers who get license-revoking citations like reckless driving, hit and run or driving under the influence may face state-mandated requirements to submit a SR-22 or proof of financial responsibility with their state in order to legally drive a vehicle.

The example below shows how violations and fender-benders impact Toyota Tacoma car insurance rates for different categories of driver ages. The data assumes a single female driver, comprehensive and collision coverage, $1,000 deductibles, and no other discounts are factored in.

How much liability insurance - Liability coverage will protect you in the event that you are found liable for damages from an accident. This coverage provides you with a defense in court which can cost a lot. Liability is cheap as compared to coverage for physical damage, so insureds should have plenty of protection for their assets.

Reserve policy claims for larger damages - Companies in Florida generally give lower rates to insureds who do not file claims often. If you are a frequent claim filer, you can definitely plan on much higher rates or policy non-renewal. Your insurance policy is intended to be relied upon for major claims that would cause financial hardship.

More than one policy can earn a discount - Most insurers afford a discount to policyholders that purchase more than one policy, otherwise known as a multi-policy discount. Even though this discount sounds good, you still need to compare other company rates to verify if the discount is saving money.There is a chance you can save even more than the discount by buying insurance from more than one company.

How your age affects prices - Older drivers are proven to be safer behind the wheel, are lower risk to insure, and are safer drivers. Youthful drivers are proven to be inattentive when behind the wheel therefore car insurance rates are much higher.

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

Excellent credit equals lower rates - Credit rating is likely to be a major factor in determining your rates. Insureds that have excellent credit scores tend to file fewer claims and have better driving records as compared to drivers with lower credit scores. If your credit score can use some improvement, you may save money insuring your Toyota Tacoma by improving your rating.

Deter theft and pay less - Driving a car with advanced anti-theft systems can help lower your rates. Theft prevention devices such as OnStar found on GM vehicles, advanced tracking like LoJack, and vehicle immobilization systems all hinder auto theft and help lower rates.

Proper usage rating affects costs - Driving a lot of miles in a year's time the higher your rates will be. A lot of companies charge to insure your cars based on their usage. Autos used primarily for pleasure use receive better premium rates compared to those used for work or business. Improper usage on your Tacoma can result in significantly higher rates. Double check that your policy correctly shows annual mileage, because it can save money.

Insurance loss data for a Toyota Tacoma - Insurers take into consideration insurance loss statistics for every vehicle as a way to help calculate a profitable premium price. Vehicles that the data shows to have higher claim frequency or loss amount will be charged more to insure.

The table below outlines the compiled insurance loss statistics for Toyota Tacoma vehicles. For each coverage category, the claim amount for all vehicles, as a total average, is a value of 100. Numbers that are below 100 suggest a better than average loss history, while percentage values above 100 indicate higher probability of having a loss or larger claims.

Insurance Loss Ratings for Toyota Tacoma Vehicles
Vehicle Model Collision Property Damage Comp Personal Injury Medical Payment Bodily Injury
Toyota Tacoma Double Cab 2WD 79 109 70 77 76 92
Toyota Tacoma Double Cab 4WD 82 104 84 64 56 77
Toyota Tacoma Double Cab LWB 2WD 87 108 74 96
Toyota Tacoma Double Cab LWB 4WD 84 104 88 68 57 79
Toyota Tacoma Xtra Cab 2WD 80 105 60 86 75 96
Toyota Tacoma Xtra Cab 4WD 71 90 77 48 51 65
BETTER
AVERAGE
WORSE

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

Analysis of Toyota Tacoma rates

The table shown next covers detailed analysis of insurance rates for Toyota Tacoma models. Learning as much as possible about how insurance policy premiums are formulated helps drivers make smart choices when purchasing an auto insurance policy.

Toyota Tacoma Insurance Rates in Jacksonville, FL
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Tacoma 2WD $196 $430 $438 $26 $132 $1,222 $102
Tacoma 4WD $226 $352 $438 $26 $132 $1,174 $98
Tacoma Double Cab 4WD $226 $430 $438 $26 $132 $1,252 $104
Tacoma X-Runner 2WD $226 $506 $438 $26 $132 $1,328 $111
Tacoma Double Cab 4WD $254 $430 $438 $26 $132 $1,280 $107
Tacoma Double Cab TRD Off-Road Package 4WD $254 $430 $438 $26 $132 $1,280 $107
Tacoma Double Cab TRD Sport Package 4WD $254 $430 $438 $26 $132 $1,280 $107
Get Your Own Custom Quote Go

Data assumes married female driver age 40, no speeding tickets, no at-fault accidents, $500 deductibles, and Florida minimum liability limits. Discounts applied include multi-vehicle, homeowner, safe-driver, claim-free, and multi-policy. Estimates do not factor in vehicle garaging location which can increase or decrease price quotes considerably.

Rate comparison for different deductibles

When shopping for insurance, a common question is how high should your deductibles be. The following tables summarize the premium difference when you choose different policy deductibles. The first set of prices uses a $100 comprehensive and collision deductible and the second price table uses a $1,000 deductible.

Toyota Tacoma insurance premium estimates with $100 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Tacoma 2WD $312 $648 $418 $24 $124 $1,551 $129
Tacoma 4WD $358 $532 $418 $24 $124 $1,481 $123
Tacoma Double Cab 4WD $358 $648 $418 $24 $124 $1,597 $133
Tacoma X-Runner 2WD $358 $764 $418 $24 $124 $1,713 $143
Tacoma Double Cab 4WD $406 $648 $418 $24 $124 $1,645 $137
Tacoma Double Cab TRD Off-Road Package 4WD $406 $648 $418 $24 $124 $1,645 $137
Tacoma Double Cab TRD Sport Package 4WD $406 $648 $418 $24 $124 $1,645 $137
Get Your Own Custom Quote Go
Toyota Tacoma insurance premium estimates with $1,000 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Tacoma 2WD $174 $342 $418 $24 $124 $1,082 $90
Tacoma 4WD $200 $280 $418 $24 $124 $1,046 $87
Tacoma Double Cab 4WD $200 $342 $418 $24 $124 $1,108 $92
Tacoma X-Runner 2WD $200 $402 $418 $24 $124 $1,168 $97
Tacoma Double Cab 4WD $224 $342 $418 $24 $124 $1,132 $94
Tacoma Double Cab TRD Off-Road Package 4WD $224 $342 $418 $24 $124 $1,132 $94
Tacoma Double Cab TRD Sport Package 4WD $224 $342 $418 $24 $124 $1,132 $94
Get Your Own Custom Quote Go

Price data assumes married male driver age 30, no speeding tickets, no at-fault accidents, and Florida minimum liability limits. Discounts applied include safe-driver, multi-policy, multi-vehicle, homeowner, and claim-free. Price estimates do not factor in the specific area where the vehicle is garaged which can change auto insurance rates significantly.

Based on this data, we can arrive at the conclusion that using a $100 deductible will cost you roughly $41 more each month or $492 for a full year than selecting the higher $1,000 deductible. Since the policyholder would be required to pay $900 more to settle a claim with a $1,000 deductible as compared to a $100 deductible, if you have more than 22 months between claims, you would probably save some money if you decide on a higher deductible.

The information below shows how different deductible levels and can change Toyota Tacoma yearly insurance costs for each different age group. The premium estimates are based on a married male driver, comprehensive and collision coverage, and no other discounts are factored in.

Lower rates by qualifying for discounts

Some companies don't necessarily list the complete list of policy discounts in an easy-to-find place, so we researched a few of the more common and also the more inconspicuous savings tricks you should be using when you buy Jacksonville car insurance online.Auto insurance discounts

  • Claim-Free Discount - Drivers with accident-free driving histories have much lower rates when compared to policyholders that have many claims.
  • Homeowners Savings - Simply owning a home may trigger a policy discount on auto insurance because owning a home means you have a higher level of financial diligence.
  • Multi-policy Discount - If you can bundle your auto and home insurance with one company you will save at least 10 to 15 percent or more.
  • ABS Brakes - Anti-lock brake equipped vehicles prevent accidents so you can save 10 percent or more.
  • Driver Education Discount - Cut your cost by having your teen driver enroll and complete driver's education if it's offered in school.
  • Discounts for Federal Employees - Being employed by or retired from a federal job could cut as much as 10% off with a few auto insurance companies.

We need to note that most discounts do not apply to the overall cost of the policy. Most only reduce individual premiums such as comp or med pay. So even though you would think you would end up receiving a 100% discount, that's just not realistic.

The diagram below shows the difference between Toyota Tacoma auto insurance rates with and without discounts applied to the premium. The data is based on a male driver, no violations or claims, Florida state minimum liability limits, comprehensive and collision coverage, and $500 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with safe-driver, homeowner, multi-policy, claim-free, multi-car, and marriage discounts applied.

A few popular companies and some of the discounts are included below.

  • American Family includes discounts for good driver, TimeAway discount, air bags, mySafetyValet, and bundled insurance.
  • Farm Bureau offers discounts for 55 and retired, youthful driver, safe driver, renewal discount, and good student.
  • State Farm has discounts for multiple policy, student away at school, driver's education, safe vehicle, and passive restraint.
  • Travelers policyholders can earn discounts including student away at school, early quote, good student, driver training, new car, and hybrid/electric vehicle.
  • The Hartford has savings for good student, anti-theft, defensive driver, air bag, and bundle.
  • GEICO offers discounts including emergency military deployment, anti-theft, driver training, daytime running lights, anti-lock brakes, membership and employees, and multi-policy.
  • Progressive discounts include multi-vehicle, online quote discount, multi-policy, good student, continuous coverage, and homeowner.

If you want inexpensive Jacksonville car insurance quotes, ask all the companies to apply every possible discount. Savings might not be offered on policies in Jacksonville. To see providers that offer discounts in Florida, click here to view.

Don't give up on affordable coverage

When searching for affordable Toyota Tacoma insurance quotes, don't be tempted to skimp on coverage in order to save money. In too many instances, consumers will sacrifice physical damage coverage and discovered at claim time they didn't purchase enough coverage. The aim is to buy a smart amount of coverage at the best cost, not the least amount of coverage.

We just showed you a lot of tips how to lower your Toyota Tacoma insurance rates in Jacksonville. The key concept to understand is the more providers you compare, the better your comparison will be. Consumers may even find the best price on car insurance is with the least-expected company. Regional companies often have lower auto insurance rates on specific markets than their larger competitors like Allstate, GEICO and Progressive.

The cheapest Toyota Tacoma insurance in Jacksonville can be found online and from local insurance agents, and you should compare price quotes from both so you have a total pricing picture. Some car insurance companies do not offer online price quotes and these smaller companies only sell through local independent agencies.

More detailed car insurance information is located at these sites: