Discount Toyota Tundra insuranceAre you irritated from paying out the nose each month for car insurance? You are in the same boat as most other drivers in Indiana.

Sad but true, 70% of consumers kept their coverage with the same car insurance company for a minimum of four years, and approximately 40% of consumers have never taken the time to shop around. Drivers in Evansville could save roughly 55% every year by just shopping around, but they don't want to take the time to shop their coverage around. Online insurance companies like Progressive, State Farm and GEICO constantly blast consumers with advertising and it can be hard to see through the deception and effectively compare rates to find the best deal.

If you're already insured or are just looking to switch companies, take advantage of these tips to find the best rates without having to cut coverage. Locating the best rates in Evansville can be much easier if you know how to start. Drivers just need to learn the fastest way to get comparison quotes online.

The fastest way that we advise to compare insurance rates from multiple companies is to know the trick most of the larger companies allow for online access to give free rates quotes. The only thing you need to do is provide a little information like whether you are single or married, whether you drive to work or school, if the car is leased, and how old drivers are. Your insurance information is sent automatically to multiple top-rated companies and they return rate quotes almost instantly.

If you would like to start a quote now, click here and enter your zip code.

The following companies provide price comparisons in Evansville, IN. If several companies are displayed, it's a good idea that you get price quotes from several of them to get the best price comparison.

Toyota Tundra Insurance Rates in Evansville, IN
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Tundra Regular Cab 2WD $182 $340 $412 $24 $124 $1,082 $90
Tundra SR/5 Double Cab 2WD $188 $370 $304 $18 $92 $972 $81
Tundra SR/5 Crew Max 2WD $152 $230 $416 $24 $124 $946 $79
Tundra Regular Cab 4WD $130 $226 $358 $22 $108 $844 $70
Tundra Double Cab 4WD $154 $244 $298 $18 $90 $804 $67
Tundra SR/5 Double Cab 4WD $240 $420 $384 $22 $114 $1,180 $98
Tundra Limited Double Cab 2WD $172 $340 $334 $20 $100 $966 $81
Tundra Limited Crew MAX 2WD $182 $320 $326 $20 $98 $946 $79
Tundra Limited Crew MAX 4WD $162 $306 $412 $24 $124 $1,028 $86
Tundra SR/5 Crew Max 4WD $188 $334 $428 $26 $128 $1,104 $92
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Prices above based on single female driver age 30, no speeding tickets, no at-fault accidents, $1,000 deductibles, and Indiana minimum liability limits. Discounts applied include multi-policy, homeowner, claim-free, safe-driver, and multi-vehicle. Table data does not factor in specific zip code location which can increase or decrease coverage rates considerably.

Higher deductibles lower rates

One of the most common car insurance questions is the level to set your comp and collision deductibles. The rates shown below sum up the difference in cost between high and low deductibles. The first rate quote example uses a $100 deductible for comp and collision and the second data table uses a $1,000 deductible.

Toyota Tundra insurance premium estimates with $100 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Tundra Regular Cab 2WD $210 $358 $318 $18 $94 $1,023 $85
Tundra SR/5 Double Cab 2WD $242 $436 $318 $18 $94 $1,133 $94
Tundra SR/5 Crew Max 2WD $242 $436 $318 $18 $94 $1,133 $94
Tundra Regular Cab 4WD $272 $436 $318 $18 $94 $1,163 $97
Tundra Double Cab 4WD $272 $436 $318 $18 $94 $1,163 $97
Tundra SR/5 Double Cab 4WD $272 $436 $318 $18 $94 $1,163 $97
Tundra Limited Double Cab 2WD $272 $514 $318 $18 $94 $1,241 $103
Tundra Limited Crew MAX 2WD $272 $514 $318 $18 $94 $1,241 $103
Tundra Limited Crew MAX 4WD $304 $514 $318 $18 $94 $1,273 $106
Tundra SR/5 Crew Max 4WD $304 $514 $318 $18 $94 $1,273 $106
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Toyota Tundra insurance premium estimates with $1,000 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Tundra Regular Cab 2WD $116 $188 $318 $18 $94 $734 $61
Tundra SR/5 Double Cab 2WD $134 $230 $318 $18 $94 $794 $66
Tundra SR/5 Crew Max 2WD $134 $230 $318 $18 $94 $794 $66
Tundra Regular Cab 4WD $152 $230 $318 $18 $94 $812 $68
Tundra Double Cab 4WD $152 $230 $318 $18 $94 $812 $68
Tundra SR/5 Double Cab 4WD $152 $230 $318 $18 $94 $812 $68
Tundra Limited Double Cab 2WD $152 $270 $318 $18 $94 $852 $71
Tundra Limited Crew MAX 2WD $152 $270 $318 $18 $94 $852 $71
Tundra Limited Crew MAX 4WD $168 $270 $318 $18 $94 $868 $72
Tundra SR/5 Crew Max 4WD $168 $270 $318 $18 $94 $868 $72
Get Your Own Custom Quote Go

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

Using the data above, we can ascertain that using a $100 deductible costs approximately $30 more each month or $360 each year than selecting the higher $1,000 deductible. Since you would pay $900 more to file a claim with a $1,000 deductible as compared to a $100 deductible, if you have at a minimum 30 months between claims, you would probably save some money if you decide on a higher deductible. Below is an example of how you can come to your own conclusion.

Average monthly premium for $100 deductibles: $98
Average monthly premium for $1,000 deductibles (subtract): - $68
Monthly savings from raising deductible: $30
Difference between deductibles ($1,000 - $100): $900
Divide difference by monthly savings: $900 / $30
Number of months required between physical damage coverage claims in order to save money by choosing the higher deductible 30 months

An important thing to remember is that raising deductibles to save money means you pay more out-of-pocket if you have a claim. You need some extra funds in the event you have to pay more to get your vehicle repaired.

Insurance does more than just protect your car

Despite the high insurance cost for a Toyota Tundra in Evansville, insurance serves a purpose in several ways.

First, just about all states have mandatory insurance requirements which means the state requires a specific minimum amount of liability coverage in order to license the vehicle. In Indiana these limits are 25/50/10 which means you must have $25,000 of bodily injury coverage per person, $50,000 of bodily injury coverage per accident, and $10,000 of property damage coverage.

Second, if you took out a loan on your Toyota Tundra, almost every bank will make it mandatory that you buy full coverage to ensure loan repayment if the vehicle is totalled. If you let the policy lapse, the bank may insure your Toyota for a much higher rate and force you to reimburse them the higher premium.

Third, insurance protects your Toyota and your assets. It also can pay for many types of medical costs for not only you but also any passengers injured in an accident. Liability insurance, one of your policy coverages, will also pay to defend you if someone files suit against you as the result of an accident. If mother nature or an accident damages your car, collision and comprehensive coverages will cover the repair costs.

The benefits of buying enough insurance are definitely more than the cost, specifically if you ever have a liability claim. The average driver in America overpays more than $869 every year so it's important to compare rates once a year at a minimum to ensure rates are inline.

But the ad said I'd save 15% in 15 minutes!

Consumers constantly see and hear ads that promise big savings by companies like State Farm, Allstate and GEICO. They all seem to advertise claims that you can save just by switching your policy.

But how can every company give you a lower rate on Toyota Tundra insurance in Evansville? It's all in how they say it.

Insurance companies have specific characteristics for a prospective insured that earns them the highest profit. For example, a profitable customer might have to be over the age of 50, has few claims, and drives a lower-performance vehicle. A propective insured who fits those characteristics will probably get cheap premium rates and will most likely save some money.

Consumers who fall short of those standards will be quoted higher rates and this can result in the prospect going elsewhere. Company advertisements say "drivers that switch" not "everyone that quotes" save the amount stated. That's why insurance companies can make those statements.

This really drives home the point why you really need to compare quotes as often as possible. It's just not possible to know which company will give you lower prices than your current company.

Take these ten policy discounts and save on Toyota Tundra insurance in Evansville

Buying car insurance is not cheap, but there's a good chance there are discounts to help offset the cost. Most are applied when you quote, but a few must be asked for prior to receiving the credit. If they aren't giving you every credit you deserve, you could be saving more on your car insurance.Car insurance discounts

Policy discounts save money, but some of the credits will not apply to all coverage premiums. Most only cut the cost of specific coverages such as physical damage coverage or medical payments. So even though you would think you would end up receiving a 100% discount, that's just not realistic.

Insurance companies who may offer most of these discounts include:

When getting free Evansville auto insurance quotes, it's a good idea to every prospective company which discounts they offer. Some discounts might not be available to policyholders in your area. To locate insurers who offer discounts in Evansville, click here.

Compare rates but work with a local Evansville insurance agent

A small number of people still like to talk to a local agent and that is recommended in a lot of cases Agents are trained to spot inefficiencies and help submit paperwork. A nice benefit of getting free rate quotes online is the fact that you can find better rates and still have a local agent. And buying from local insurance agencies is important particularly in Evansville.

Insurance agency in EvansvilleUpon completion of this short form, your information is submitted to participating agents in Evansville who will give competitive quotes for your auto insurance coverage. It simplifies rate comparisons since you won't have to find an agent on your own since price quotes are sent directly to you. In the event you want to get a rate quote from a specific insurance company, you just need to search and find their rate quote page and give them your coverage information.

When finding a reliable insurance agency, there are a couple of different types of agencies that differ in how they can insure your vehicles. Agents in Evansville can be described as either independent or exclusive depending on the company they work for. Both types can do a good job, but it's worth learning the subtle differences because it can influence the selection process.

Independent Auto Insurance Agencies

Independent agencies often have many company appointments so they can write business with an assortment of companies and find the cheapest rate. If your agent finds better pricing, they simply move your policy to a different company which makes it simple for you. When comparing auto insurance rates, you will definitely want to get insurance quotes from at a minimum one independent agency for maximum quote selection.

Shown below are independent agents in Evansville that can possibly get you price quote information.

417 N Weinbach Ave #104 - Evansville, IN 47711 - (812) 402-9008 - View Map

120 N Fulton Ave a - Evansville, IN 47710 - (812) 485-2800 - View Map

901 N Main St - Evansville, IN 47711 - (812) 424-4001 - View Map

View more Evansville agents

Exclusive Insurance Agents

These type of agents have only one company to place business with like Farmers Insurance, State Farm, or Allstate. Exclusive agencies are unable to provide rate quotes from other companies so they are skilled at selling on more than just price. Exclusive agents receive a lot of sales training on their products and sales techniques which helps them sell insurance even at higher premiums.

Below is a list of exclusive agencies in Evansville willing to provide comparison quotes.

2319 W Franklin St - Evansville, IN 47712 - (812) 425-4200 - View Map

421 N St Joseph Ave d - Evansville, IN 47712 - (812) 424-1708 - View Map

11 Vann Ave - Evansville, IN 47714 - (812) 477-5927 - View Map

View more Evansville agents

Finding the right auto insurance agent requires you to look at more than just a cheap price quote. Here are some questions you might want to ask.

Auto insurance coverages and their meanings

Knowing the specifics of a auto insurance policy helps when choosing the right coverages and proper limits and deductibles. The coverage terms in a policy can be difficult to understand and reading a policy is terribly boring. Shown next are the normal coverages offered by auto insurance companies.

Liability coverages

Liability insurance will cover injuries or damage you cause to a person or their property. This insurance protects YOU against claims from other people, and does not provide coverage for your injuries or vehicle damage.

It consists of three limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. Your policy might show liability limits of 25/50/10 that translate to $25,000 in coverage for each person's injuries, a total of $50,000 of bodily injury coverage per accident, and a limit of $10,000 paid for damaged property. Alternatively, you may have one number which is a combined single limit which limits claims to one amount and claims can be made without the split limit restrictions.

Liability coverage protects against things like structural damage, medical services and medical expenses. The amount of liability coverage you purchase is your choice, but you should buy higher limits if possible. Indiana requires drivers to carry at least 25/50/10 but it's recommended drivers buy more coverage.

Uninsured Motorist or Underinsured Motorist insurance

Your UM/UIM coverage protects you and your vehicle when other motorists do not carry enough liability coverage. Covered claims include medical payments for you and your occupants and also any damage incurred to your Toyota Tundra.

Due to the fact that many Indiana drivers have only the minimum liability required by law (25/50/10), their liability coverage can quickly be exhausted. This is the reason having UM/UIM coverage should not be overlooked. Frequently these limits do not exceed the liability coverage limits.

Auto collision coverage

This coverage will pay to fix damage to your Tundra from colliding with another car or object. You first must pay a deductible and the rest of the damage will be paid by collision coverage.

Collision coverage protects against claims such as hitting a parking meter, rolling your car and colliding with another moving vehicle. Paying for collision coverage can be pricey, so you might think about dropping it from older vehicles. Drivers also have the option to bump up the deductible on your Tundra in order to get cheaper collision rates.

Comprehensive coverage (or Other than Collision)

This will pay to fix damage caused by mother nature, theft, vandalism and other events. You first have to pay a deductible and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive coverage protects against claims such as rock chips in glass, damage from a tornado or hurricane, falling objects, theft and vandalism. The most a auto insurance company will pay at claim time is the cash value of the vehicle, so if the vehicle is not worth much it's not worth carrying full coverage.

Insurance for medical payments

Coverage for medical payments and/or PIP pay for expenses for hospital visits, doctor visits and dental work. They can be used to cover expenses not covered by your health insurance plan or if you are not covered by health insurance. They cover all vehicle occupants and also covers if you are hit as a while walking down the street. Personal injury protection coverage is only offered in select states but can be used in place of medical payments coverage

Find cheap rates by comparing often

In this article, we covered many ideas to lower your Toyota Tundra insurance auto insurance rates in Evansville. The key concept to understand is the more times you quote, the more likely it is that you will get a better rate. You may even be surprised to find that the best auto insurance rates are with an unexpected company. They can often insure niche markets at a lower cost than their larger competitors like State Farm, GEICO and Nationwide.

When you buy Evansville auto insurance online, it's not a good idea to skimp on critical coverages to save a buck or two. In many instances, an insured dropped liability limits or collision coverage only to discover later that saving that couple of dollars actually costed them tens of thousands. Your aim should be to buy the best coverage you can find at the best cost and still be able to protect your assets.

Cost effective Toyota Tundra insurance is attainable online in addition to local insurance agencies, so you need to quote Evansville auto insurance with both to get a complete price analysis. Some insurance companies may not offer the ability to get quotes online and many times these smaller providers sell through independent insurance agents.

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