How long has it been since you compared more competitive Toyota Tacoma insurance in Santa Ana? If you are new to online price comparisons, by this point your are probably baffled due to the large selection of insurers offering insurance in Santa Ana.
Astonishing but true, about 70% of customers have remained with the same car insurance company for at least four years, and almost half have never shopped around. American consumers can save approximately $859 each year just by shopping around, but most tend to underestimate the amount of savings they would get if they switch to a new company.
When comparison shopping, comparing more rates from different companies will enable you to find lower pricing.
The companies in the list below have been selected to offer free quotes in Santa Ana, CA. If the list has multiple companies, we suggest you compare several of them to get the best price comparison.
Rate information and statistics
The premium table shown below showcases detailed analysis of policy rates for Toyota Tacoma models. Being able to understand how insurance quotes are figured can be of help when making smart choices when purchasing an insurance policy.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Tacoma 2WD | $242 | $464 | $442 | $26 | $132 | $1,306 | $109 |
| Tacoma 4WD | $278 | $382 | $442 | $26 | $132 | $1,260 | $105 |
| Tacoma Double Cab 4WD | $278 | $464 | $442 | $26 | $132 | $1,342 | $112 |
| Tacoma X-Runner 2WD | $278 | $546 | $442 | $26 | $132 | $1,424 | $119 |
| Tacoma Double Cab 4WD | $314 | $464 | $442 | $26 | $132 | $1,378 | $115 |
| Tacoma Double Cab TRD Off-Road Package 4WD | $314 | $464 | $442 | $26 | $132 | $1,378 | $115 |
| Tacoma Double Cab TRD Sport Package 4WD | $314 | $464 | $442 | $26 | $132 | $1,378 | $115 |
| Get Your Own Custom Quote Go | |||||||
Prices based on married male driver age 30, no speeding tickets, no at-fault accidents, $500 deductibles, and California minimum liability limits. Discounts applied include multi-vehicle, safe-driver, multi-policy, homeowner, and claim-free. Rates do not factor in zip code location which can lower or raise premium rates considerably.
Policy deductible comparison
The hardest decision when buying coverage is how high should the deductibles for physical damage be. The following insurance rates approximate the rate fluctuation when you select higher and lower coverage deductibles. The first rate table uses a $100 deductible and the second pricing table uses a $1,000 deductible.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Tacoma 2WD | $332 | $686 | $442 | $26 | $132 | $1,643 | $137 |
| Tacoma 4WD | $380 | $564 | $442 | $26 | $132 | $1,569 | $131 |
| Tacoma Double Cab 4WD | $380 | $686 | $442 | $26 | $132 | $1,691 | $141 |
| Tacoma X-Runner 2WD | $380 | $810 | $442 | $26 | $132 | $1,815 | $151 |
| Tacoma Double Cab 4WD | $430 | $686 | $442 | $26 | $132 | $1,741 | $145 |
| Tacoma Double Cab TRD Off-Road Package 4WD | $430 | $686 | $442 | $26 | $132 | $1,741 | $145 |
| Tacoma Double Cab TRD Sport Package 4WD | $430 | $686 | $442 | $26 | $132 | $1,741 | $145 |
| Get Your Own Custom Quote Go | |||||||
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Tacoma 2WD | $184 | $362 | $442 | $26 | $132 | $1,146 | $96 |
| Tacoma 4WD | $210 | $298 | $442 | $26 | $132 | $1,108 | $92 |
| Tacoma Double Cab 4WD | $210 | $362 | $442 | $26 | $132 | $1,172 | $98 |
| Tacoma X-Runner 2WD | $210 | $426 | $442 | $26 | $132 | $1,236 | $103 |
| Tacoma Double Cab 4WD | $238 | $362 | $442 | $26 | $132 | $1,200 | $100 |
| Tacoma Double Cab TRD Off-Road Package 4WD | $238 | $362 | $442 | $26 | $132 | $1,200 | $100 |
| Tacoma Double Cab TRD Sport Package 4WD | $238 | $362 | $442 | $26 | $132 | $1,200 | $100 |
| Get Your Own Custom Quote Go | |||||||
Prices above based on married male driver age 30, no speeding tickets, no at-fault accidents, and California minimum liability limits. Discounts applied include safe-driver, multi-vehicle, claim-free, multi-policy, and homeowner. Premium amounts do not factor in specific location information which can influence prices greatly.
We can estimate from the data above that using a $100 deductible will cost you approximately $44 more each month or $528 every year than requesting the higher $1,000 deductible. Because you would pay $900 more if you turn in a claim with a $1,000 deductible as compared to a $100 deductible, if you go more than 20 months between claim filings, you would probably come out ahead if you choose the higher deductible.
How to calculate when to raise deductibles
| Average monthly premium for $100 deductibles: | $142 |
| Average monthly premium for $1,000 deductibles (subtract): | - $98 |
| Monthly savings from raising deductible: | $44 |
| Difference between deductibles ($1,000 - $100): | $900 |
| Divide difference by monthly savings: | $900 / $44 |
| Number of months required between physical damage coverage claims in order to save money by choosing the higher deductible | 20 months |
An important sidenote is that raising deductibles means you will have to pay more out-of-pocket when you file a claim. That will force you to have enough money put aside in order to pay more to get your vehicle repaired.
Toyota Tacoma insurance costs by gender and age in Santa Ana
The chart below illustrates the comparison of Toyota Tacoma yearly insurance costs for male and female drivers. The rates are based on no claims or driving citations, comprehensive and collision coverage, $500 deductibles, single status, and no discounts are applied.
Auto insurance does more than just protect your car
Despite the high insurance cost for a Toyota Tacoma in Santa Ana, paying for auto insurance may be required for several reasons.
- Most states have compulsory liability insurance requirements which means you are required to buy a specific minimum amount of liability protection in order to drive the car. 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 bought your Toyota with a loan, more than likely the lender will force you to buy full coverage to protect their interest in the vehicle. If the policy lapses, the bank may insure your Toyota for a much higher rate and require you to pay for it.
- Auto insurance protects your vehicle and your assets. It will also cover most medical and hospital costs for not only you but also any passengers injured in an accident. Liability insurance, one of your policy coverages, will also pay attorney fees if someone files suit against you as the result of an accident. If you have damage to your Toyota as the result of the weather or an accident, your policy will cover the damage repairs after a deductible is paid.
The benefits of carrying adequate insurance greatly outweigh the cost, particularly when you have a large claim. On average, a vehicle owner in Santa Ana is currently overpaying as much as $830 a year so shop around at every policy renewal to help ensure money is not being wasted.
Auto insurance discounts are available to get cheap rates
Car insurance companies don't list every available discount very clearly, so below is a list some of the best known in addition to some of the lesser obvious credits that may apply to you. If you do not double check each discount possible, you could be saving more on your auto insurance.
- No Charge for an Accident - Not really a discount, but a handful of insurance companies may permit one accident without raising rates with the catch being you have to be claim-free for a specific time period.
- Payment Method - By paying your policy upfront rather than paying monthly you could save 5% or more.
- Multi-policy Discount - If you can bundle your auto and homeowners insurance and place coverage with the same company you may earn at least 10% off all policies.
- Paper-free Discount - A handful of insurance companies will give you a small discount just for signing your application on your computer.
- Military Rewards - Being deployed with a military unit can result in better prices.
- Claim-Free Discount - Santa Ana drivers who stay claim-free have much lower rates compared to drivers who are more careless.
- Cautious Driver Discount - Accident-free drivers can save up to 40% or more on their Santa Ana auto insurance quote compared to rates paid by drivers with frequent claims.
- Renewal Discounts - A few insurance companies allow discounts for buying a new policy before your current coverage expires. You can save around 10% with this discount.
- 55 and Retired - Drivers that qualify as senior citizens may qualify for a small decrease in premiums.
- Safety Restraint Discount - Using a seat belt and requiring all passengers to buckle up can save 10% or more on the premium charged for medical payments and/or PIP.
You should keep in mind that most of the big mark downs will not be given to the entire policy premium. Most only reduce the cost of specific coverages such as medical payments or collision. Despite the appearance that you could get a free auto insurance policy, company stockholders wouldn't be very happy.
The illustration below compares Toyota Tacoma yearly insurance costs with and without policy discounts. The premiums assume a female driver, no violations or accidents, California 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 multi-car, safe-driver, claim-free, marriage, homeowner, and multi-policy discounts applied.
Large auto insurance companies and a selection of discounts are:
- State Farm has savings for defensive driving training, good student, safe vehicle, Drive Safe & Save, anti-theft, good driver, and Steer Clear safe driver discount.
- Farmers Insurance offers premium reductions for business and professional, teen driver, mature driver, bundle discounts, and pay in full.
- GEICO may include discounts for federal employee, defensive driver, membership and employees, anti-lock brakes, and driver training.
- American Family discounts include TimeAway discount, defensive driver, accident-free, air bags, multi-vehicle, and early bird.
- Nationwide may have discounts that include accident-free, family plan, Farm Bureau membership, good student, business or organization, multi-policy, and easy pay.
- Progressive offers discounts including multi-vehicle, good student, multi-policy, online signing, and continuous coverage.
If you need lower rates, check with every prospective company to give you their best rates. Some of the discounts discussed earlier might not be available to policyholders in every state. To see auto insurance companies that offer some of these discounts in California, click this link.
Insurance agencies near you
Some consumers just prefer to get advice from a local agent and that is a smart decision One of the great benefits of comparing insurance prices online is the fact that drivers can get lower car insurance rates but also keep your business local. Supporting local insurance agencies is important especially in Santa Ana.
After filling out this quick form, your insurance data is emailed to agents in your area who want to provide quotes and help you find cheaper coverage. It's much easier because you don't need to even leave your home since price quotes are sent immediately to your email address. You can find better rates AND an agent nearby. In the event you want to quote rates from a particular provider, just find their quoting web page and submit a quote form there.
When researching local Santa Ana agents, there are a couple of types of agencies and how they differ in how they quote coverages. Agencies in Santa Ana are categorized either exclusive or independent agents depending on their company appointments.
Independent Agents
Independent agents can sell policies from many different companies so as a result can place your coverage through many companies and possibly get better coverage at lower prices. If prices rise, the agent simply finds a different carrier and that require little work on your part.
If you need cheaper auto insurance rates, we recommend you include price quotes from several independent agencies to maximize your price options. A lot of them also have access to different regional companies that many times have cheaper rates.
Listed below is a partial list of independent insurance agents in Santa Ana that can possibly get you pricing information.
- Ammar Insurance Agency
726 S Main St - Santa Ana, CA 92701 - (714) 547-2400 - View Map - Tutton Insurance Services Inc
2913 S. Pullman St - Santa Ana, CA 92705 - (949) 261-5335 - View Map - First American Property and Casualty Insurance Group
4 First American Way - Santa Ana, CA 92701 - (714) 560-7850 - View Map
Exclusive Auto Insurance Agents
Exclusive insurance agents can only provide pricing for a single company like AAA, Allstate, and State Farm. Exclusive agents cannot provide rate quotes from other companies so they have to upsell other benefits. Exclusive agents are very knowledgeable on their company's products which aids in selling service over price. Some consumers prefer to purchase coverage from exclusives partially due to the brand and strong financial ratings.
The following is a list of exclusive agents in Santa Ana that are able to give price quotes.
- Farmers Insurance - Samuel Friar
2961 W MacArthur Blvd #123 - Santa Ana, CA 92704 - (714) 662-3830 - View Map - Farmers Insurance - Maria Guerrero
1647 E First St a - Santa Ana, CA 92701 - (714) 285-0303 - View Map - Farmers Insurance: Patricia Kelly
310 N Tustin Ave #A - Santa Ana, CA 92705 - (714) 541-3334 - View Map
Deciding on a auto insurance agent should depend on more than just the price. The following questions are important to ask.
- Are they paid to recommend certain coverages?
- What insurance companies do they recommend if they are an independent agent?
- Are they able to influence company decisions when a claim is filed?
- How many years have they been established?
- Are aftermarket or OEM parts used to repair vehicles?
- Are they able to provide referrals?
- What are the financial ratings for the companies they represent?
- Will you be dealing directly with the agent or with a Custom Service Representative (CSR)?
The coverage is in the details
Having a good grasp of your policy can help you determine the right coverages for your vehicles. The terms used in a policy can be ambiguous and nobody wants to actually read their policy.
Collision coverage - This pays for damage to your Tacoma resulting from a collision with a stationary object or other vehicle. You will need to pay your deductible then your collision coverage will kick in.
Collision insurance covers claims like driving through your garage door, sideswiping another vehicle and rolling your car. Paying for collision coverage can be pricey, so you might think about dropping it from lower value vehicles. You can also increase the deductible on your Tacoma to save money on collision insurance.
Uninsured/Underinsured Motorist (UM/UIM) - This coverage protects you and your vehicle from other motorists when they are uninsured or don't have enough coverage. Covered claims include medical payments for you and your occupants as well as your vehicle's damage.
Due to the fact that many California drivers have only the minimum liability required by law (15/30/5 in California), their limits can quickly be used up. For this reason, having high UM/UIM coverages is important protection for you and your family. Most of the time these coverages are set the same as your liability limits.
Med pay and Personal Injury Protection (PIP) - Personal Injury Protection (PIP) and medical payments coverage pay for short-term medical expenses like funeral costs, surgery, hospital visits, chiropractic care and nursing services. They are used to cover expenses not covered by your health insurance program or if there is no health insurance coverage. Medical payments and PIP cover not only the driver but also the vehicle occupants and also covers any family member struck as a pedestrian. PIP is not universally available and gives slightly broader coverage than med pay
Liability insurance - This protects you from damage that occurs to other's property or people. It protects you from claims by other people. It does not cover damage sustained by your vehicle in an accident.
Coverage consists of three different limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You commonly see policy limits of 15/30/5 that means you have $15,000 in coverage for each person's injuries, $30,000 for the entire accident, and property damage coverage for $5,000. Alternatively, you may have a combined limit that pays claims from the same limit with no separate limits for injury or property damage.
Liability coverage pays for things such as structural damage, pain and suffering, emergency aid, repair bills for other people's vehicles and funeral expenses. The amount of liability coverage you purchase is up to you, but it's cheap coverage so purchase as high a limit as you can afford. California requires drivers to carry at least 15/30/5 but you should think about purchasing higher limits.
The chart below shows why buying minimum limits may not be high enough to adequately cover claims.
Comprehensive insurance - Comprehensive insurance coverage pays for damage from a wide range of events other than collision. You need to pay your deductible first and the remainder of the damage will be paid by comprehensive coverage.
Comprehensive coverage pays for claims such as fire damage, damage from flooding, a tree branch falling on your vehicle and hitting a deer. The most your car insurance company will pay is the actual cash value, so if the vehicle's value is low consider removing comprehensive coverage.
Find cheaper rates by being thorough
The cheapest Toyota Tacoma insurance in Santa Ana is possible online in addition to local insurance agencies, and you need to price shop both to have the best rate selection. Some companies may not offer the ability to get a quote online and usually these small, regional companies only sell through independent insurance agencies.
When buying insurance coverage, make sure you don't skimp on critical coverages to save a buck or two. There are many occasions where consumers will sacrifice liability coverage limits and learned later that the few dollars in savings costed them thousands. Your aim should be to buy a smart amount of coverage at the best price, but don't skip important coverages to save money.
You just learned some good ideas how to shop for Toyota Tacoma insurance online. It's most important to understand that the more companies you get rates for, the higher your chance of finding low cost Santa Ana auto insurance quotes. You may even discover the biggest savings come from some of the lesser-known companies.
Steps to finding better rates for Toyota Tacoma insurance in Santa Ana
The most effective way to get discount Toyota Tacoma insurance in Santa Ana is to make a habit of comparing prices annually from providers who provide car insurance in California.
- Take a little time to learn about how insurance companies determine prices and the measures you can take to keep rates low. Many factors that are responsible for high rates like speeding and poor credit rating can be improved by making lifestyle changes or driving safer.
- Quote rates from independent agents, exclusive agents, and direct companies. Direct and exclusive agents can give quotes from a single company like GEICO or Farmers Insurance, while independent agents can provide rate quotes from multiple insurance companies. Begin your rate comparison
- Compare the new rate quotes to the price on your current policy to see if switching to a new carrier will save money. If you find a lower rate and change companies, make sure there is no coverage gap between policies.
- Tell your current agent or company of your intent to cancel the current policy. Submit the completed application along with a down payment to the newly selected company. Immediately place the new certificate verifying proof of insurance in an accessible location in your vehicle.
A valuable tip to remember is to try to compare identical coverages on every price quote and and to get rates from as many different companies as possible. This helps ensure an apples-to-apples comparison and a complete selection of prices.
More information is located at these links:
- Safe Vehicles for Teens (iihs.org)
- Who Has the Cheapest Auto Insurance for Felons in Santa Ana? (FAQ)
- How Much are Car Insurance Quotes After a Speeding Ticket in Santa Ana? (FAQ)
- Who Has Cheap Auto Insurance Rates for Government Employees in Santa Ana? (FAQ)
- Who Has Cheap Car Insurance Quotes for a Honda Pilot in Santa Ana? (FAQ)
- What Auto Insurance is Cheapest for Used Cars in Santa Ana? (FAQ)
- How to Avoid Buying a Flooded Car (Insurance Information Institute)
- Property Damage Coverage (Liberty Mutual)
- Alcohol Impaired Driving FAQ (iihs.org)