Car Insurance Rate Quotes for a Toyota Tundra in Santa Ana

Toyota Tundra insurance rates image courtesy of QuoteInspector.com

It's a known fact that insurance companies want to keep you from comparing prices. Insureds who compare rates annually will probably move their business because there is a significant possibility of finding a more affordable policy premium. A recent survey discovered that people who compared rates once a year saved $3,400 over four years as compared to drivers who don't regularly compare prices.

If saving the most money on car insurance is your objective, learning how to get free comparison quotes and analyze auto insurance can make it easier for you to save money.

The best way to get discount auto insurance rates in Santa Ana is to make a habit of regularly comparing prices from insurance carriers who sell insurance in California.

1. Try to learn a little about the different coverages in a policy and the steps you can take to keep rates in check. Many risk factors that result in higher rates such as accidents, traffic tickets, and a less-than-favorable credit history can be amended by being financially responsible and driving safely. This article provides additional ideas to get cheaper coverage and earn larger discounts.
2. Compare rates from exclusive agents, independent agents, and direct providers. Exclusive agents and direct companies can only provide price estimates from a single company like GEICO or Farmers Insurance, while independent agencies can provide price quotes for many different companies.
3. Compare the quotes to your current policy to see if cheaper Tundra coverage is available. If you find a better price and decide to switch, verify that coverage does not lapse between policies.
4. Notify your company or agent of your intent to cancel your current coverage. Submit the application along with any required down payment for the new coverage. Make sure you keep your new certificate verifying proof of insurance along with the vehicle's registration papers.

The most important part of shopping around is to compare identical coverages on each price quote and to quote with as many companies as possible. Doing this helps ensure an accurate price comparison and and a good selection of different prices.

Most larger insurance companies such as Progressive, Allstate and GEICO allow consumers to get pricing online. This process doesn't take a lot of time as you simply type in the coverage amounts you desire as detailed in the form. When the form is submitted, the company's rating system automatically orders information on your driving record and credit history and returns a price. Quoting online for Toyota Tundra insurance in Santa Ana makes it a lot easier to compare rates and it's very important to get many rate quotes if you want to find affordable insurance pricing.

In order to get comparison pricing now, compare rates from the companies below. If you have a policy now, it's recommended you replicate deductibles and limits exactly as shown on your declarations page. Doing this guarantees you're receiving comparison quotes using the same coverage and limits.

The auto insurance companies shown below have been selected to offer free rate quotes in California. If multiple providers are shown, we recommend you compare several of them to get a more complete price comparison.

Why you need vehicle insurance in California

Even though it can be expensive, insurance is most likely required but also gives you several important benefits.

• Almost all states have minimum mandated liability insurance limits which means you are required to buy specific limits of liability protection if you want to drive legally. In California these limits are 15/30/5 which means you must have $15,000 of bodily injury coverage per person, $30,000 of bodily injury coverage per accident, and $5,000 of property damage coverage.
• If you took out a loan on your Toyota Tundra, almost all lenders will have a requirement that you buy insurance to ensure they get paid if you total the vehicle. If you cancel or allow the policy to lapse, the bank or lender will purchase a policy for your Toyota at an extremely high rate and force you to pay for the much more expensive policy.
• Insurance protects both your assets and your Toyota Tundra. It will also cover all forms of medical expenses for yourself as well as anyone injured by you. One policy coverage, liability insurance, also covers all legal expenses up to the policy limit in the event you are sued. If you receive damage to your vehicle caused by a storm or accident, comprehensive and/or collision insurance will cover the repair costs.

The benefits of insuring your Tundra definitely exceed the cost, especially for larger claims. The average driver in California is currently overpaying as much as $825 a year so you should quote rates at least once a year to make sure the price is not too high.

Rates and statistics

The premium information displayed below covers detailed analysis of policy rates for Toyota Tundra models. Having a better understanding of how insurance policy rates are figured can help you make decisions on which insurance to purchase.

Data based on single male driver age 30, no speeding tickets, no at-fault accidents, $1000 deductibles, and California minimum liability limits. Discounts applied include multi-policy, safe-driver, homeowner, multi-vehicle, and claim-free. Table data does not factor in vehicle garaging location which can raise or lower prices significantly.

Can higher deductibles save money?

When shopping for auto insurance, a common question is what deductibles to buy. The comparisons below can help illustrate the cost difference between high and low physical damage deductibles. The first data set uses a $100 comprehensive and collision deductible and the second price table uses a $1,000 deductible.

Table data represents married male driver age 30, no speeding tickets, no at-fault accidents, and California minimum liability limits. Discounts applied include safe-driver, multi-policy, claim-free, multi-vehicle, and homeowner. Rates do not factor in the specific area where the vehicle is garaged which can change coverage rates considerably.

Based on these figures, using a $100 deductible will cost you roughly $46 more each month or $552 annually than opting for the higher $1,000 deductible. Because you would be required to pay $900 more to file a claim with a $1,000 deductible as compared to a $100 deductible, if you tend to average at least 20 months between claim filings, you would save more money by selecting a higher deductible. The table below shows how you can do this calculation yourself.

An important sidenote is that raising deductibles to get cheaper rates results in more money out-of-pocket when you have a claim. You need enough disposable savings in order to pay more for the deductible.

The chart below shows how choosing a deductible and can impact Toyota Tundra insurance prices for different age groups. The premium estimates are based on a married female driver, comprehensive and collision coverage, and no discounts are applied.

Impact of citations and accidents on insurance rates

The illustration below demonstrates how traffic citations and at-fault accidents can influence Toyota Tundra auto insurance costs for each age group. The rate quotes are based on a married male driver, full physical damage coverage, $100 deductibles, and no policy discounts are applied.

Cheap Santa Ana car insurance rates with discounts

Not too many consumers would say car insurance is affordable, but there could be available discounts that can dramatically reduce your bill. Most are applied when you quote, but once in a while a discount must be specially asked for before they will apply.

• Drive Less and Save - Maintaining low annual mileage may enable drivers to earn slightly better prices than normal.
• Organization Discounts - Being in specific professional or occupational memberships or organizations is a simple method to lower premiums when getting a Santa Ana car insurance quote.
• Theft Prevention Discount - Vehicles that have factory alarm systems and tracking devices are less likely to be stolen and can earn a small discount on your policy.
• Driver Training Discounts - Taking a class that teaches safe driver techniques is a good idea and can lower rates and easily recoup the cost of the course.
• Waiver for an Accident - Not necessarily a discount, but companies like GEICO, Progressive, and Allstate will forgive one accident without getting socked with a rate hike with the catch being you have to be claim-free before the accident.
• Government Employee Discount - Active or retired federal employment may qualify for a discount when you quote Santa Ana car insurance depending on your car insurance provider.
• Paper-free Discount - Some of the larger companies provide a small discount for buying your policy online.
• Save with More Vehicles Insured - Insuring multiple cars with one company may reduce the rate for each vehicle.
• New Vehicle Savings - Insuring a vehicle that is new can cost up to 25% less since new vehicles have better safety ratings.
• Discount for Multiple Policies - If you combine your auto and homeowners policies with one insurance company they may give you a discount of approximately 10% to 15%.

You can save money using discounts, but most discounts do not apply to the whole policy. Most only reduce specific coverage prices like comp or med pay. Even though it may seem like it's possible to get free car insurance, it doesn't quite work that way. But all discounts will reduce the cost of coverage.

The example below illustrates the comparison of Toyota Tundra insurance prices with and without discounts applied to the policy premium. The data assumes a female driver, no accidents, no driving violations, California state minimum liability limits, full physical damage coverage, and $100 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with homeowner, claim-free, multi-car, marriage, safe-driver, and multi-policy discounts applied.

If you would like to see a list of car insurance companies with the best Toyota Tundra insurance discounts in Santa Ana in California, follow this link.

Local neighborhood Santa Ana car insurance agents

Many people would rather buy from a licensed agent and that is not a bad decision Professional agents can help you choose the best coverages and help you file claims. One of the best bonuses of comparing rates online is you may find better rates but also keep your business local.

To find an agent, once you fill out this short form, the coverage information is sent to local insurance agents that give free quotes to get your business. You don't have to contact an agency because prices are sent instantly to you. If you need to compare prices from a specific car insurance provider, you would need to visit that company's website and complete a quote there.

Picking the best insurer should depend on more than just the bottom line cost. Before buying a policy in Santa Ana, get answers to these questions.

• What company holds the largest book of business for them?
• Who is covered by the car insurance policy?
• Does their agency support local causes in Santa Ana?
• Do they get paid more for recommending certain coverages?
• Are aftermarket or OEM parts used to repair vehicles?
• How many companies do they write for?
• Can they help ensure a fair claim settlement?
• Are there any discounts for paying up front?

Choose an insurance agent wisely

When finding a reliable agent, there are two types of agencies that you can select. Car insurance agents in Santa Ana can be classified as either independent or exclusive depending on the company they work for. Both can handle car insurance, but it's worth learning how they are different since it can impact the type of agent you choose.

Exclusive Agents

These agents write business for a single company and some examples include Farmers Insurance and State Farm. Exclusive agencies are unable to provide rate quotes from other companies so it's a take it or leave it situation. Exclusive insurance agents are trained well on the products they sell which helps them sell on service rather than price.

Shown below are Santa Ana exclusive agencies that can give you comparison quotes.

More Santa Ana agents

Independent Agents

Independent agents are appointed with more than one company and that gives them the ability to insure through many different car insurance companies and find you the best rates. If prices rise, they simply move your policy to a different company and the insured can keep the same agent.

If you need cheaper car insurance rates, you will want to compare quotes from several independent insurance agents for maximum quote selection.

Listed below are Santa Ana independent agents that can give you comparison quotes.

More Santa Ana agents

Insurance agents can help

When quoting and choosing coverage, there really is no perfect coverage plan. Your needs are unique to you and your policy should reflect that. These are some specific questions might help in determining whether you might need professional guidance.

• What does medical payments coverage do?
• Do I have coverage when making deliveries for my home business?
• Do I need added coverage for expensive stereo equipment?
• Are my company tools covered if they get stolen?
• Are rental cars covered under my policy?
• Why am I required to get a high-risk car insurance policy?
• Should I get collision insurance on every vehicle?
• Are there any extra discounts I can get?
• What companies insure drivers after a DUI or DWI?
• How high should deductibles be on a Toyota Tundra?

If it's difficult to answer those questions but you know they apply to you, you may need to chat with a licensed insurance agent. If you don't have a local agent, simply complete this short form or you can go here for a list of companies in your area. It only takes a few minutes and you can get the answers you need.

Ratings for Santa Ana auto insurance companies

Choosing the top auto insurance provider is difficult considering how many choices drivers have in California. The company ratings in the next section may help you choose which auto insurers to look at buying from.

Top 10 Santa Ana Car Insurance Companies by A.M. Best Rank

1. USAA - A++
2. Travelers - A++
3. State Farm - A++
4. GEICO - A++
5. Esurance - A+
6. Nationwide - A+
7. Allstate - A+
8. Mercury Insurance - A+
9. Progressive - A+
10. Titan Insurance - A+

Insurance policy specifics

Learning about specific coverages of insurance can help you determine appropriate coverage and proper limits and deductibles. Insurance terms can be confusing and nobody wants to actually read their policy. Listed below are the normal coverages found on the average insurance policy.

Coverage for uninsured or underinsured drivers

Uninsured or Underinsured Motorist coverage protects you and your vehicle from other motorists when they are uninsured or don't have enough coverage. It can pay for injuries sustained by your vehicle's occupants as well as damage to your Toyota Tundra.

Because many people have only the minimum liability required by law (15/30/5 in California), their liability coverage can quickly be exhausted. That's why carrying high Uninsured/Underinsured Motorist coverage is very important.

Liability coverages

This provides protection from damage that occurs to people or other property by causing an accident. Liability coverage has three limits: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You commonly see limits of 15/30/5 that means you have $15,000 bodily injury coverage, a total of $30,000 of bodily injury coverage per accident, and a limit of $5,000 paid for damaged property.

Liability insurance covers things like structural damage, attorney fees and pain and suffering. The amount of liability coverage you purchase is your choice, but consider buying as large an amount as possible. California state law requires minimum liability limits of 15/30/5 but it's recommended drivers buy higher limits.

The illustration below shows why minimum state limits may not be adequate coverage.

Collision coverage protection

Collision insurance pays for damage to your Tundra resulting from colliding with an object or car. You first must pay a deductible and the rest of the damage will be paid by collision coverage.

Collision coverage pays for things like colliding with a tree, hitting a mailbox, sideswiping another vehicle and rolling your car. Collision coverage makes up a good portion of your premium, so consider dropping it from vehicles that are 8 years or older. Another option is to bump up the deductible on your Tundra to bring the cost down.

Coverage for medical expenses

Med pay and PIP coverage provide coverage for immediate expenses for things like nursing services, dental work and surgery. They are used in conjunction with a health insurance policy or if there is no health insurance coverage. Coverage applies to all vehicle occupants as well as any family member struck as a pedestrian. PIP coverage is only offered in select states and gives slightly broader coverage than med pay

Comprehensive insurance

This coverage will pay to fix damage from a wide range of events other than collision. You need to pay your deductible first then the remaining damage will be covered by your comprehensive coverage.

Comprehensive insurance covers claims such as a tree branch falling on your vehicle, hail damage and fire damage. The maximum payout you can receive from a comprehensive claim is the cash value of the vehicle, so if it's not worth much more than your deductible consider dropping full coverage.

The best insurance company isn't always the cheapest

When trying to cut insurance costs, you should never sacrifice coverage to reduce premiums. There have been many cases where someone sacrificed uninsured motorist or liability limits to discover at claim time that a couple dollars of savings turned into a financial nightmare. Your focus should be to get the best coverage possible at an affordable rate, but do not sacrifice coverage to save money.

Throughout this article, we presented many ideas to save on Toyota Tundra insurance in Santa Ana. The key thing to remember is the more providers you compare, the better your chances of lowering your premium rates. You may even be surprised to find that the lowest auto insurance rates come from a company that doesn't do a lot of advertising. Smaller companies can often provide lower premium rates in certain areas than their larger competitors like Progressive and GEICO.

Other information

• State Car Insurance Guides (GEICO)
• Who Has Cheap Auto Insurance Rates for Government Employees in Santa Ana? (FAQ)
• How Much are Santa Ana Auto Insurance Rates for Welfare Recipients? (FAQ)
• What Auto Insurance is Cheapest for Seniors in Santa Ana? (FAQ)
• When is the Right Time to Switch Car Insurance Companies? (Allstate)
• Anti-Lock Brake FAQ (iihs.org)
• Uninsured Motorist Statistics (Insurance Information Institute)