Best Insurance for a Toyota Tacoma in Tulsa

  1. Home
  2. >
  3. Tulsa Auto Insurance
  4. >
  5. Toyota Tacoma

Want to know an easy way to compare lower-priced Toyota Tacoma insurance in Tulsa? Being forced to pay for overpriced auto insurance premiums can eat up your monthly budget and put a big crunch on your finances. Doing a rate comparison is a fast and free way to lower your monthly bill.

Discount Toyota Tacoma insuranceIt's a fact that insurance companies don't want you quoting rates from other companies. Insureds who get comparison quotes at least once a year are inclined to switch auto insurance companies because there is a significant possibility of finding a lower-priced company. A study showed that consumers who shopped around annually saved about $72 a month as compared to drivers who never compared rates.

If finding the cheapest rates on insurance is the reason for your visit, then knowing how to quote and compare coverage rates can save time and make the process easier.

How to find cheaper quotes for Toyota Tacoma insurance in Tulsa

To save the most money, the best way to find discount Toyota Tacoma insurance in Tulsa is to compare quotes once a year from providers who provide car insurance in Oklahoma. Rate comparisons can be done by following these steps.

  • First, get a basic knowledge of individual coverages and the things you can control to keep rates in check. Many rating factors that cause high rates like at-fault accidents, careless driving, and an imperfect credit rating can be improved by making lifestyle changes or driving safer. This article provides tips to keep prices down and get additional discounts that may be available.
  • Second, compare rates from direct carriers, independent agents, and exclusive agents. Exclusive and direct companies can only quote rates from a single company like GEICO and Allstate, while independent agencies can provide price quotes for a wide range of companies.
  • Third, compare the new quotes to the price on your current policy and see if you can save money. If you can save money and change companies, make sure coverage is continuous and does not lapse.
  • Fourth, give notification to your agent or company of your intent to cancel your current policy and submit the signed application along with the required initial payment to your new carrier. Once the application is submitted, put the proof of insurance certificate in your glove compartment.

The critical component of shopping around is to make sure you're comparing the same liability limits and deductibles on every quote and and to get price estimates from as many carriers as you can. This provides a fair rate comparison and the best price selection.

You have multiple insurance companies to pick from, and even though it's nice to have a choice, more options can take longer to find the lowest cost provider for Toyota Tacoma insurance in Tulsa.

Locating affordable protection in Tulsa is not as hard as you think. Just about every vehicle owner who needs lower cost auto insurance should get a lower-priced policy. Nevertheless, Oklahoma consumers benefit from understanding how the larger insurance companies price insurance differently and use it to find better rates.

Most companies like 21st Century, Allstate and State Farm allow consumers to get prices for coverage online. Getting online rates for Toyota Tacoma insurance in Tulsa is pretty painless because it's just a matter of typing in your coverage preferences as requested by the quote form. After you submit the form their quoting system requests credit information and your driving record and returns pricing information based on these factors. Using the web to get quotes for Toyota Tacoma insurance in Tulsa makes it easy to compare insurance prices and it's absolutely necessary to perform this step in order to get affordable auto insurance pricing.

If you want to find out if lower rates are available, compare quotes from the companies shown below. If you have your current policy handy, we recommend you copy the limits and deductibles identical to your current policy. This helps ensure you will be getting a fair comparison using the exact same coverages.

The providers in the list below are ready to provide free rate quotes in Oklahoma. To buy cheap auto insurance in Tulsa, we recommend you compare several of them to get a more complete price comparison.

Take advantage of these discounts on Toyota Tacoma insurance in Tulsa

Buying insurance is not cheap, but there may be some discounts that you may not know about. Many discounts should be triggered when you get a quote, but less common discounts must be manually applied before you will receive the discount. If you do not check that you are getting every discount you deserve, you could be saving more on your insurance.Save money with discounts

  • Drivers Education - Reduce the cost of insurance for teen drivers by having them successfully complete driver's ed class in school or through a local driver safety program.
  • Discounts for Federal Employees - Active or retired federal employment can earn a discount up to 10% with select insurance companies.
  • Accident Forgiveness - Not a discount per se, but a handful of insurance companies will forgive one accident without the usual rate increase with the catch being you have to be claim-free for a set time period.
  • Distant Student Discount - College-age children who are attending college and leave their car at home can receive lower rates.
  • Pay Now and Pay Less - If paying your policy premium upfront instead of paying each month you can actually save on your bill.

As a footnote on discounts, most of the big mark downs will not be given to your bottom line cost. A few only apply to specific coverage prices like medical payments or collision. So despite the fact that it appears you could get a free insurance policy, company stockholders wouldn't be very happy.

The information below shows the difference between Toyota Tacoma premium costs with and without discounts. Data assumes a female driver, no violations or accidents, Oklahoma state minimum liability limits, comp and collision included, and $100 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with multi-policy, claim-free, homeowner, marriage, safe-driver, and multi-car discounts applied.

A few popular companies and some of the premium reductions they offer are included below.

  • The Hartford offers discounts including defensive driver, anti-theft, good student, bundle, air bag, driver training, and vehicle fuel type.
  • American Family offers discounts for multi-vehicle, Steer into Savings, air bags, defensive driver, and good driver.
  • Progressive policyholders can earn discounts including homeowner, multi-policy, multi-vehicle, good student, online signing, continuous coverage, and online quote discount.
  • Travelers has savings for home ownership, multi-policy, new car, save driver, and continuous insurance.
  • Farmers Insurance has discounts for electronic funds transfer, pay in full, bundle discounts, early shopping, and teen driver.
  • USAA may have discounts that include good student, new vehicle, annual mileage, multi-vehicle, loyalty savings, family discount, and military installation.
  • Liberty Mutual may offer discounts for teen driver discount, new move discount, exclusive group savings, newly married, and new vehicle discount.

Check with all companies you are considering which discounts you may be entitled to. Discounts may not apply to policies everywhere. To find providers who offer discounts in Tulsa, follow this link.

Analysis of Toyota Tacoma rates

The premium table shown next outlines detailed analysis of insurance coverage prices for Toyota Tacoma models. Having insight into how insurance rates are calculated can aid in making informed coverage decisions.

Toyota Tacoma Insurance Rates in Tulsa, OK
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Tacoma 2WD $182 $422 $542 $32 $162 $1,340 $112
Tacoma 4WD $210 $348 $542 $32 $162 $1,294 $108
Tacoma Double Cab 4WD $210 $422 $542 $32 $162 $1,368 $114
Tacoma X-Runner 2WD $210 $498 $542 $32 $162 $1,444 $120
Tacoma Double Cab 4WD $236 $422 $542 $32 $162 $1,394 $116
Tacoma Double Cab TRD Off-Road Package 4WD $236 $422 $542 $32 $162 $1,394 $116
Tacoma Double Cab TRD Sport Package 4WD $236 $422 $542 $32 $162 $1,394 $116
Get Your Own Custom Quote Go

Prices based on single male driver age 40, no speeding tickets, no at-fault accidents, $1000 deductibles, and Oklahoma minimum liability limits. Discounts applied include homeowner, multi-vehicle, safe-driver, claim-free, and multi-policy. Price estimates do not factor in specific zip code location which can decrease or increase coverage rates greatly.

Where to set your deductibles

The hardest decision when buying coverage is how high should the deductibles for physical damage be. The data tables below show the difference in cost when you select higher and lower comp and collision deductibles. The first set of prices uses a $250 deductible for comprehensive and collision coverage and the second price chart uses a $1,000 deductible.

Toyota Tacoma insurance premium rates with $250 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Tacoma 2WD $302 $584 $448 $26 $134 $1,519 $127
Tacoma 4WD $346 $480 $448 $26 $134 $1,459 $122
Tacoma Double Cab 4WD $346 $584 $448 $26 $134 $1,563 $130
Tacoma X-Runner 2WD $346 $688 $448 $26 $134 $1,667 $139
Tacoma Double Cab 4WD $392 $584 $448 $26 $134 $1,609 $134
Tacoma Double Cab TRD Off-Road Package 4WD $392 $584 $448 $26 $134 $1,609 $134
Tacoma Double Cab TRD Sport Package 4WD $392 $584 $448 $26 $134 $1,609 $134
Get Your Own Custom Quote Go
Toyota Tacoma insurance premium rates with $1,000 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Tacoma 2WD $186 $368 $448 $26 $134 $1,162 $97
Tacoma 4WD $214 $302 $448 $26 $134 $1,124 $94
Tacoma Double Cab 4WD $214 $368 $448 $26 $134 $1,190 $99
Tacoma X-Runner 2WD $214 $432 $448 $26 $134 $1,254 $105
Tacoma Double Cab 4WD $242 $368 $448 $26 $134 $1,218 $102
Tacoma Double Cab TRD Off-Road Package 4WD $242 $368 $448 $26 $134 $1,218 $102
Tacoma Double Cab TRD Sport Package 4WD $242 $368 $448 $26 $134 $1,218 $102
Get Your Own Custom Quote Go

Premium data assumes married male driver age 30, no speeding tickets, no at-fault accidents, and Oklahoma minimum liability limits. Discounts applied include claim-free, safe-driver, multi-policy, homeowner, and multi-vehicle. Estimates do not factor in vehicle garaging location which can alter prices noticeably.

Based on the above data, using a $250 deductible could cost the average driver approximately $31 more each month or $372 for a full year than opting for the higher $1,000 deductible. Since you would pay $750 more if you file a claim with a $1,000 deductible as compared to a $250 deductible, if you average more than 24 months between claims, you would probably save some money if you decide on a higher deductible. The table below illustrates how this calculation is made.

Average monthly premium for $250 deductibles: $131
Average monthly premium for $1,000 deductibles (subtract): - $100
Monthly savings from raising deductible: $31
Difference between deductibles ($1,000 - $250): $750
Divide difference by monthly savings: $750 / $31
Number of months required between physical damage coverage claims in order to save money by choosing the higher deductible 24 months

The illustration below demonstrates how deductible levels and can raise or lower Toyota Tacoma insurance costs for each different age group. The rates are based on a married female driver, full coverage, and no additional discounts are factored in.

Cut Insurance Costs with These Tips

An important part of buying insurance is that you know some of the factors that are used to determine the rates you pay for auto insurance. When consumers understand what controls the rates you pay, this allows you to make good choices that can help you get better auto insurance rates.

Males are more aggressive - Over time, data shows females are less aggressive when driving. Now that doesn't mean men are WORSE drivers than women. Both genders have at-fault accidents at a similar rate, but guys get into accidents with more damage. Not only are claims higher, but men receive more costly citations such as driving while intoxicated (DWI) or driving recklessly. Young males cause the most accidents and are penalized with high auto insurance rates.

The information below illustrates the difference between Toyota Tacoma annual premium costs for male and female drivers. The rate quotes are based on no claims or violations, comprehensive and collision coverage, $100 deductibles, drivers are single, and no discounts are applied to the premium.

Stay claim-free and save - Car insurance companies in Oklahoma give better rates to people who are claim-free. If you file a lot of claims you can expect increased rates or even have your policy non-renewed. Auto insurance is intended to be relied upon for larger claims.

Safety ratings are a factor - Vehicles that have high safety ratings get lower rates. Vehicles built for safety help reduce the chance of injuries in an accident and lower rates of occupant injuries means less money paid by your insurance company and more competitive rates for policyholders. If your Toyota earned at least an "acceptable" rating on the Insurance Institute for Highway Safety website or four stars on the National Highway Traffic Safety Administration website you may be receiving a better rate.

Where you reside factors in - Choosing to live in smaller towns and rural areas of the country can save you money if you are looking for the lowest rates. Lower population means a lower chance of having an accident as well as less vandalism and auto theft. People who live in big cities tend to have much more traffic and more severe claims. The longer drive time means higher likelihood of an accident.

Your age impacts your prices - Older, more experienced drivers are more cautious drivers, tend to cause fewer accidents, and tend to be get fewer driving tickets. Beginning drivers have been known to be less responsible when driving and because of this, their auto insurance rates are much higher.

The data below assumes a single driver, full coverage with $250 deductibles, and no discounts or violations.

Getting married equates to better costs - Having a spouse may save some money on your auto insurance bill. Having a significant other translates into being more mature than a single person and insurance companies like that drivers who are married are more cautious.

Know your credit rating - An insured's credit history is a large factor in determining what you pay. Drivers with excellent credit scores tend to be less risk to insure than drivers with lower credit scores. So if your credit history is low, you may save money insuring your Toyota Tacoma by improving your credit score.

Car insurance liability insurance limits - A critical coverage on your policy, liability insurance will afford coverage if ever a court rules you are at fault for damages caused by your negligence. Liability provides for a legal defense up to the limits shown on your policy. This coverage is very inexpensive when compared to the cost of physical damage coverage, so buy as much as you can afford.

Toyota Tacoma historical loss data - Insurers use data from past claims to help calculate premium rates. Models that are shown to have higher prevalence or dollar amount of losses will have higher premium rates. The table below demonstrates the insurance loss data for Toyota Tacoma vehicles.

For each insurance policy coverage type, the statistical loss for all vehicles, as a total average, equals 100. Percentages below 100 suggest losses that are better than average, while percentages above 100 indicate a higher chance of having a claim or statistically larger claims.

Toyota Tacoma Insurance Claim Statistics
Vehicle Make and 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
Statistics Source: Insurance Institute for Highway Safety for 2013-2015 Model Years

Compare prices but work with a local neighborhood Tulsa car insurance agent

Some consumers just prefer to talk to a local agent. One of the benefits of price shopping on the web is the fact that you can find cheap insurance rates and also buy local. And supporting local agents is important particularly in Tulsa.

Tulsa insurance agentsTo help locate an agent, after submitting this form (opens in new window), the quote information gets sent to companies in Tulsa who will return price quotes and help you find cheaper coverage. It makes it easy because there is no need to contact any insurance agencies since rate quotes are delivered directly to your email. Get lower rates AND an agent nearby. In the event you want to compare rates from a specific insurance company, feel free to search and find their rate quote page and complete a quote there.

Selecting a insurance company is decision based upon more than just the price. These are some questions your agent should answer.

  • Will you be dealing directly with the agent or with a Custom Service Representative (CSR)?
  • What discounts might you be missing?
  • Can glass repairs be made at your home?
  • Which family members are covered?
  • Which companies do they recommend if they are an independent agency?
  • Does the agency have a good rating with the Better Business Bureau?
  • In the event of vehicle damage, can you pick the collision repair facility?
  • Is the agency covered by Errors and Omissions coverage?

If you feel you receive good feedback as well as a affordable price, it's a good possibility that you have found an provider that meets your needs to provide insurance coverage. But remember, you are able to terminate your policy any time you want so never feel that you are obligated to a specific company for the full policy term.

Persistence pays off

Affordable Toyota Tacoma insurance in Tulsa is attainable from both online companies as well as from insurance agents, and you need to comparison shop both in order to have the best chance of saving money. A few companies may not have price quotes online and many times these smaller companies sell through independent insurance agents.

When trying to cut insurance costs, make sure you don't skimp on critical coverages to save a buck or two. Too many times, drivers have reduced physical damage coverage and learned later that a couple dollars of savings turned into a financial nightmare. Your strategy should be to get the best coverage possible at an affordable rate, but do not skimp to save money.

How to find the cheapest rates for Toyota Tacoma insurance in Tulsa

Really, the only way to get budget auto insurance rates in Tulsa is to compare quotes once a year from insurers in Oklahoma.

  1. Get a basic knowledge of the different coverages in a policy and the things you can control to keep rates in check. Many rating factors that result in higher prices such as traffic tickets, fender benders, and an imperfect credit rating can be eliminated by making lifestyle changes or driving safer.
  2. Request price quotes from exclusive agents, independent agents, and direct providers. Exclusive agents and direct companies can only give rate quotes from a single company like Progressive or Allstate, while independent agencies can provide prices from multiple insurance companies. Compare rates now
  3. Compare the price quotes to your existing rates and determine if cheaper Tacoma coverage is available in Tulsa. If you find better rates and change companies, make sure there is no lapse between the expiration of your current policy and the new one.

The most important part of this process is to try to compare the same amount of coverage on every price quote and and to get price estimates from all possible companies. Doing this helps ensure a fair price comparison and a better comparison of the market.

Additional resources