Cheapest Toyota Tundra Insurance in Jacksonville

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Insurance rates Toyota Tundra in JacksonvilleIt's an obvious conclusion that car insurance companies don't want policyholders to shop around. Drivers who shop around once a year will, in all likelihood, switch car insurance companies because of the good chance of finding coverage at a more affordable price. A study discovered that people who compared prices once a year saved about $865 annually compared to those who never compared prices.

If finding low prices for Toyota Tundra insurance in Jacksonville is the reason for your visit, then learning about how to get free comparison quotes and analyze insurance rates can make shopping around easier.

The recommended way to find better pricing on car insurance rates is to compare prices regularly from insurers who can sell car insurance in Jacksonville. Prices can be compared by completing these steps.

  • Step 1: Get a basic knowledge of policy coverages and the measures you can control to prevent expensive coverage. Many risk factors that drive up the price like your driving record and an unacceptable credit rating can be amended by improving your driving habits or financial responsibility.
  • Step 2: Request rate estimates from direct, independent, and exclusive agents. Direct and exclusive agents can give quotes from one company like GEICO or Allstate, while agents who are independent can quote prices from many different companies.
  • Step 3: Compare the price quotes to your existing coverage to determine if switching companies saves money. If you can save some money and decide to switch, make sure there is no coverage gap between policies.
  • Step 4: Provide adequate notice to your current company of your decision to cancel your current auto insurance policy. Submit payment and a completed application to your new carrier. As soon as you receive it, place your new proof of insurance paperwork in an easily accessible location.

A crucial key to this process is to use identical deductibles and limits on each quote request and and to compare as many car insurance companies as possible. This ensures the most accurate price comparison and the most accurate and complete price analysis.

Companies offering Toyota Tundra insurance in Florida

The following companies have been selected to offer free quotes in Florida. If multiple companies are listed, we suggest you compare several of them to get a more complete price comparison.

Coverage statistics and figures

The table below highlights different coverage prices for Toyota Tundra models. Having a good grasp of how policy premiums are figured can help you make informed decisions when shopping around for a new policy.

Toyota Tundra Insurance Rates in Jacksonville, FL
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Tundra Regular Cab 2WD $300 $602 $612 $36 $184 $1,734 $145
Tundra SR/5 Double Cab 2WD $344 $732 $612 $36 $184 $1,908 $159
Tundra SR/5 Crew Max 2WD $344 $732 $612 $36 $184 $1,908 $159
Tundra Regular Cab 4WD $388 $732 $612 $36 $184 $1,952 $163
Tundra Double Cab 4WD $388 $732 $612 $36 $184 $1,952 $163
Tundra SR/5 Double Cab 4WD $388 $732 $612 $36 $184 $1,952 $163
Tundra Limited Double Cab 2WD $388 $864 $612 $36 $184 $2,084 $174
Tundra Limited Crew MAX 2WD $388 $864 $612 $36 $184 $2,084 $174
Tundra Limited Crew MAX 4WD $434 $864 $612 $36 $184 $2,130 $178
Tundra SR/5 Crew Max 4WD $434 $864 $612 $36 $184 $2,130 $178
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Prices above based on single female driver age 40, no speeding tickets, no at-fault accidents, $100 deductibles, and Florida minimum liability limits. Discounts applied include safe-driver, homeowner, multi-vehicle, multi-policy, and claim-free. Information does not factor in specific garaging location which can decrease or increase premium rates significantly.

Physical damage deductible comparison

When buying car insurance, a common question is the level to set your comp and collision deductibles. The rates shown below sum up how much more rates are when you choose different insurance deductibles. The first table uses a $250 deductible and the second set of rates 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 $280 $446 $472 $28 $142 $1,393 $116
Tundra SR/5 Double Cab 2WD $322 $544 $472 $28 $142 $1,533 $128
Tundra SR/5 Crew Max 2WD $322 $544 $472 $28 $142 $1,533 $128
Tundra Regular Cab 4WD $364 $544 $472 $28 $142 $1,575 $131
Tundra Double Cab 4WD $364 $544 $472 $28 $142 $1,575 $131
Tundra SR/5 Double Cab 4WD $364 $544 $472 $28 $142 $1,575 $131
Tundra Limited Double Cab 2WD $364 $640 $472 $28 $142 $1,671 $139
Tundra Limited Crew MAX 2WD $364 $640 $472 $28 $142 $1,671 $139
Tundra Limited Crew MAX 4WD $406 $640 $472 $28 $142 $1,713 $143
Tundra SR/5 Crew Max 4WD $406 $640 $472 $28 $142 $1,713 $143
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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 $174 $280 $472 $28 $142 $1,096 $91
Tundra SR/5 Double Cab 2WD $200 $342 $472 $28 $142 $1,184 $99
Tundra SR/5 Crew Max 2WD $200 $342 $472 $28 $142 $1,184 $99
Tundra Regular Cab 4WD $224 $342 $472 $28 $142 $1,208 $101
Tundra Double Cab 4WD $224 $342 $472 $28 $142 $1,208 $101
Tundra SR/5 Double Cab 4WD $224 $342 $472 $28 $142 $1,208 $101
Tundra Limited Double Cab 2WD $224 $402 $472 $28 $142 $1,268 $106
Tundra Limited Crew MAX 2WD $224 $402 $472 $28 $142 $1,268 $106
Tundra Limited Crew MAX 4WD $250 $402 $472 $28 $142 $1,294 $108
Tundra SR/5 Crew Max 4WD $250 $402 $472 $28 $142 $1,294 $108
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Data rating is based on married male driver age 30, no speeding tickets, no at-fault accidents, and Florida minimum liability limits. Discounts applied include multi-policy, claim-free, homeowner, safe-driver, and multi-vehicle. Rate information does not factor in specific Jacksonville garaging location which can raise or lower coverage rates noticeably.

Using the data above, we can ascertain that using a $250 deductible costs approximately $31 more each month or $372 each year than opting for the higher $1,000 deductible. Because you would pay $750 more if you turn in a claim with a $1,000 deductible as compared to a $250 deductible, if you average at a minimum 24 months between claim filings, you would probably save some money if you choose a higher deductible.

Car insurance rates are higher with tickets and accidents

The example below illustrates how speeding tickets and at-fault collisions impact Toyota Tundra car insurance costs for different age groups of insureds. The premiums assume a married female driver, full coverage, $500 deductibles, and no policy discounts are applied.

Comparison of car insurance rates by age and gender

The example below compares Toyota Tundra insurance costs for male and female drivers. The prices are based on no tickets, no at-fault accidents, full physical damage coverage, $100 deductibles, drivers are not married, and no additional discounts are factored in.

Cheaper Jacksonville car insurance rates with discounts

The price of auto insurance can be rather high, but you may find discounts that can help lower your rates. A few discounts will be applied at the time of quoting, but some must be asked for in order for you to get them.Discount car insurance

  • Senior Citizens - If you qualify as a senior citizen, you can possibly qualify for a small decrease in premiums.
  • No Claim Discounts - Insureds with no claims or accidents have much lower rates when compared to drivers with a long claim history.
  • Early Signing - A few insurance companies offer discounts for switching policies before your current coverage expires. This can save 10% or more.
  • Accident Waiver - This one isn't a discount, but certain companies will forgive one accident without the usual rate increase if you have no claims for a set time period.
  • ABS Braking Discount - Vehicles that have steering control and anti-lock brakes can reduce accidents and earn discounts up to 10%.

Just know that some credits don't apply to the whole policy. Most only cut the cost of specific coverages such as collision or personal injury protection. So even though you would think you could get a free car insurance policy, you're out of luck.

The illustration below compares Toyota Tundra auto insurance costs with and without discounts being applied to the rates. The rate quotes are based on a male driver, no claims or violations, Florida state minimum liability limits, comp and collision included, and $250 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with safe-driver, multi-car, homeowner, multi-policy, claim-free, and marriage discounts applied.

Some of the larger companies that may have most of these discounts include:

When getting free Jacksonville auto insurance quotes, it's a good idea to all companies you are considering which discounts they offer. Some discounts may not apply everywhere. To see providers that have a full spectrum of discounts in Florida, click here to view.

Save Money with These Tips

Consumers need to have an understanding of the factors that play a part in calculating the rates you pay for auto insurance. If you understand what determines premiums, this helps enable you to make changes that can earn you lower rates. Lots of things are part of the equation when you quote your car insurance policy. Some factors are common sense such as your driving record, although others are less obvious like your vehicle usage or how safe your car is.

Drive less and get lower premiums - The more you drive your Toyota every year the more you will pay for auto insurance. Almost all companies charge to insure your cars determined by how the vehicle is used. Autos that are left in the garage receive lower rates than vehicles that have high annual mileage. Verify your auto insurance policy is showing the proper vehicle usage, because improper ratings can cost you money. A policy that improperly rates your Tundra can result in significantly higher rates.

Big cities have higher rates - Living in small towns and rural areas has definite advantages when trying to find low car insurance rates. Fewer drivers and short commutes means fewer accidents in addition to fewer liability claims. People in densely populated areas have more aggressive driving styles and higher rates of accident claims. Longer commute distances can result in more accidents.

How much liability insurance - The liability section of your policy is the coverage that protects you if ever a jury decides you are liable for damages from an accident. It will provide for a legal defense to attempt to prove you were not liable. This coverage is very inexpensive as compared to coverage for physical damage, so drivers should carry high limits.

Type of vehicle determines base rates - The type of vehicle you need to insure makes a substantial difference in how high your rates are. The lowest premiums are for low performance passenger cars, but the cost you end up paying is determined by many additional factors.

The following chart uses these variables: single female driver age 30, full coverage with $500 deductibles, and no discounts or violations. It shows Toyota Tundra car insurance rates compared to other models of vehicles that have different performance rating factors.

A auto insurance policy lapse can increase rates - Allowing your auto insurance policy to lapse can be a fast way to pay more for auto insurance. Not only will you pay more, getting caught without coverage could earn you a license revocation or jail time. You may have to prove you have insurance by filing a SR-22 with the Florida motor vehicle department.

Insurance losses for a Toyota Tundra - Car insurance companies take into consideration insurance loss statistics for every vehicle when they file their rates in each state. Models that the data determines to have a higher amount or frequency of claims will have a higher premium rate.

The table below demonstrates the insurance loss data for Toyota Tundra vehicles. For each coverage type, the claim probability for all vehicles, as a total average, is a value of 100. Values below 100 are indicative of better than average losses, while values that are 100 or greater indicate higher probability of having a loss or an increased probability of a larger loss.

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

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

Which is the best insurance?

When selecting adequate coverage for your vehicles, there really is no best way to insure your cars. Everyone's situation is unique.Safe vehicles cost less to insure

These are some specific questions may help you determine whether you might need professional guidance.

  • Am I covered if I hit a deer?
  • Is business property covered if stolen from my car?
  • Do I pay less for low miles?
  • Who does medical payments coverage extend to?
  • Can I use my car for my catering business?
  • How much coverage applies to personal belongings?
  • Am I covered if I drive in a foreign country?
  • What is medical payments coverage?

If you don't know the answers to these questions but you know they apply to you, you might consider talking to an insurance agent. If you don't have a local agent, simply complete this short form. It only takes a few minutes and may give you better protection.

Auto insurance agents are trained to help

A small number of people prefer to go talk to an agent and doing that can be a smart decision Professional agents are trained to spot inefficiencies and give you someone to call. One of the benefits of comparing rates online is that you can obtain the best rates and also buy local. Buying insurance from local agencies is important particularly in Jacksonville.

Insurance agents in JacksonvilleAfter completing this simple form, your insurance coverage information is submitted to local insurance agents in Jacksonville who will gladly provide quotes for your insurance coverage. There is no reason to find an agent on your own as quotes are delivered to the email address you provide. If you need to get a price quote for a specific company, you just need to navigate to their website and submit a quote form there.

If you are wanting to purchase insurance from local Jacksonville agents, there are two different types of agents and how they are distinctly different. Insurance policy providers can be categorized as either independent (non-exclusive) or exclusive. Both types of agents can properly insure your vehicles, but it's important to point out the difference between them because it can influence which type of agent you select.

Independent Insurance Agents

Agents of this type do not sell for just one brand and that is an advantage because they can write policies with an assortment of companies and help determine which has the cheapest rates. If they find a cheaper price, your policy is moved internally and you won't have to switch agencies. When searching for an agent, you will definitely want to get quotes from at a minimum one independent agency to get the best comparison.

Featured below are independent agents in Jacksonville that may be able to give you free rate quotes.

803 3rd St N - Jacksonville Beach, FL 32250 - (904) 247-5599 - View Map

11893 New Kings Rd - Jacksonville, FL 32219 - (904) 764-3336 - View Map

841 Prudential Drive, 12th Floor - Jacksonville, FL 32207 - (904) 764-7531 - View Map

View more Jacksonville agents

Exclusive Insurance Agencies

Exclusive agents work for only one company like Farmers Insurance, State Farm, Allstate, and AAA. They generally cannot provide rate quotes from other companies so keep that in mind. These agents are well trained on their company's products which helps them compete with independent agents.

Below are exclusive agents in Jacksonville willing to provide rate quotes.

6018 San Jose Blvd - Jacksonville, FL 32217 - (904) 730-3665 - View Map

4555 San Juan Ave - Jacksonville, FL 32210 - (904) 381-1206 - View Map

11757 Beach Blvd #7 - Jacksonville, FL 32246 - (904) 641-0090 - View Map

View more Jacksonville agents

Selecting an auto insurance agent should include more criteria than just a cheap quote. These are some valid questions you should ask.

  • Does the agent have professional designations like CIC, CPCU or AIC?
  • Will the agent or a CSR service your policy?
  • Can they give you a list of client referrals?
  • Do they get extra compensation for selling add-on coverages?
  • How long has the business existed?

One last thing to lower rates

Throughout this article, we presented many tips how you can save on Toyota Tundra insurance in Jacksonville. The key concept to understand is the more times you quote, the higher the chance of saving money. Consumers could even find that the biggest savings come from the least-expected company.

People who switch companies do it for a number of reasons such as an unsatisfactory settlement offer, not issuing a premium refund, questionable increases in premium and policy cancellation. Regardless of your reason, finding the right auto insurance provider is pretty easy and you might even save some money in the process.

The cheapest Toyota Tundra insurance in Jacksonville is attainable both online in addition to many Jacksonville insurance agents, and you should compare price quotes from both in order to have the best price selection to choose from. Some insurance companies do not provide online quoting and many times these regional carriers sell through independent agents.

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