Cheapest Insurance for a Toyota Tacoma in San Jose

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Unimaginable but true, the vast majority of consumers kept buying from the same company for over three years, and just under half have never quoted insurance rates at all. California drivers can save approximately 35% each year, but they don't believe the big savings they would realize if they swap their current policy for a cheaper one.

Insurance for Toyota TacomaThe preferred way to find cheaper quotes for car insurance rates in San Jose is to start comparing prices yearly from insurance carriers in California. You can compare prices by completing these steps.

  1. Try to understand car insurance and the changes you can make to prevent rate increases. Many risk factors that cause rate increases like inattentive driving and a low credit rating can be eliminated by paying attention to minor details.
  2. Compare prices from exclusive agents, independent agents, and direct providers. Direct companies and exclusive agencies can provide rates from one company like GEICO or Allstate, while agents who are independent can provide price quotes for many different companies.
  3. Compare the quotes to your current policy premium to see if a cheaper price is available. If you find better rates, make sure coverage is continuous and does not lapse.

An essential thing to point out is to make sure you're comparing similar deductibles and liability limits on each quote request and and to get prices from as many different companies as possible. Doing this ensures the most accurate price comparison and the best price quote selection.

Locating the best rates in San Jose is actually not that difficult if you follow our advice. If you currently have insurance, you will be able to find better prices using these tips. Smart shoppers only have to learn the most efficient way to get comparison quotes on the web.

All major insurance companies make it easy to get coverage prices online. Obtaining pricing for Toyota Tacoma insurance in San Jose is quite easy as you simply type in the coverages you want into the quote form. Once you submit the form, their system obtains your credit score and driving record and generates a price.

This simplifies rate comparisons, and it's very important to perform this step if you want to find a lower rate.

To quickly compare rates using this form now, check out the insurance providers below. To compare your current rates, we recommend you enter the limits and deductibles exactly as shown on your declarations page. Using the same limits helps guarantee you will receive comparison quotes based on identical coverages.

The providers in the list below can provide free quotes in San Jose, CA. If multiple companies are shown, we recommend you get rates from several of them to find the most affordable auto insurance rates.

Determine discounts to get cheap San Jose car insurance quotes

Companies offering auto insurance don't list their entire list of discounts very clearly, so we took the time to find a few of the more well known as well as some of the hidden credits available to lower your premiums when you buy San Jose auto insurance online.Discount car insurance

  • One Accident Forgiven - Not really a discount, but a handful of insurance companies will turn a blind eye to one accident without the usual rate increase so long as you haven't had any claims prior to the accident.
  • Theft Prevention Discount - Vehicles that have factory alarm systems and tracking devices are less likely to be stolen and will qualify for a discount on a San Jose auto insurance quote.
  • Payment Method - If you pay your bill all at once rather than paying monthly you could save 5% or more.
  • Early Signing - Some companies provide a discount for renewing your policy before your current expiration date. It can save you around 10%.
  • Federal Employees - Simply working for the federal government can save as much as 8% depending on your company.
  • Discount for Low Mileage - Fewer annual miles on your Toyota may enable drivers to earn lower rates due to less chance of an accident.
  • Active Service Discounts - Having a family member in the military may qualify for rate reductions.
  • Multi-car Discount - Buying insurance for multiple vehicles on one policy can reduce the rates for all insured vehicles.

You can save money using discounts, but some credits don't apply to the overall cost of the policy. Most only apply to specific coverage prices like liability and collision coverage. Just because it seems like you would end up receiving a 100% discount, you're out of luck. Any amount of discount will reduce the cost of coverage.

The illustration below visualizes the comparison of Toyota Tacoma auto insurance costs with and without some available policy discounts. The price estimates are based on a male driver, no accidents, no driving violations, California state minimum liability limits, full coverage, and $250 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with multi-car, multi-policy, marriage, homeowner, safe-driver, and claim-free discounts applied.

A partial list of companies that possibly offer most of the discounts above include:

Check with every prospective company which discounts you qualify for. All car insurance discounts may not be available everywhere. To view insurers that offer the discounts shown above in San Jose, follow this link.

Auto insurance analysis for a Toyota Tacoma

The rate table shown below outlines detailed analysis of insurance prices for Toyota Tacoma models. Having a good understanding how insurance quotes are calculated can help customers make decisions on the best policy to buy.

Toyota Tacoma Insurance Rates in San Jose, CA
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Tacoma 2WD $210 $362 $578 $34 $174 $1,358 $113
Tacoma 4WD $240 $298 $578 $34 $174 $1,324 $110
Tacoma Double Cab 4WD $240 $362 $578 $34 $174 $1,388 $116
Tacoma X-Runner 2WD $240 $426 $578 $34 $174 $1,452 $121
Tacoma Double Cab 4WD $272 $362 $578 $34 $174 $1,420 $118
Tacoma Double Cab TRD Off-Road Package 4WD $272 $362 $578 $34 $174 $1,420 $118
Tacoma Double Cab TRD Sport Package 4WD $272 $362 $578 $34 $174 $1,420 $118
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Data variables include single male driver age 30, no speeding tickets, no at-fault accidents, $1000 deductibles, and California minimum liability limits. Discounts applied include multi-vehicle, homeowner, multi-policy, claim-free, and safe-driver. Table data does not factor in vehicle location which can modify coverage rates substantially.

Higher deductibles lower rates

A question often asked by San Jose drivers is what deductibles to buy. The following insurance rates help summarize the premium difference between low and high comp and collision deductibles. The first set of rates uses a $250 comprehensive and collision deductible and the second pricing table uses a $500 deductible.

Toyota Tacoma insurance prices with $250 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Tacoma 2WD $298 $576 $442 $26 $132 $1,499 $125
Tacoma 4WD $342 $472 $442 $26 $132 $1,439 $120
Tacoma Double Cab 4WD $342 $576 $442 $26 $132 $1,543 $129
Tacoma X-Runner 2WD $342 $678 $442 $26 $132 $1,645 $137
Tacoma Double Cab 4WD $386 $576 $442 $26 $132 $1,587 $132
Tacoma Double Cab TRD Off-Road Package 4WD $386 $576 $442 $26 $132 $1,587 $132
Tacoma Double Cab TRD Sport Package 4WD $386 $576 $442 $26 $132 $1,587 $132
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Toyota Tacoma insurance prices with $500 deductibles
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

Above prices assume married male driver age 30, no speeding tickets, no at-fault accidents, and California minimum liability limits. Discounts applied include multi-policy, safe-driver, multi-vehicle, homeowner, and claim-free. Information does not factor in specific zip code location which can influence price quotes substantially.

Based on the figures above, using a $250 deductible costs roughly $17 more each month or $204 each year across all Toyota Tacoma models than quoting the higher $500 deductible. Since the policyholder would be required to pay $250 more out of your own pocket with a $500 deductible as compared to a $250 deductible, if you have at a minimum 15 months between claim filings, you would more than likely save some money going with the higher deductible.

The information below demonstrates how choosing different deductibles and can increase or decrease Toyota Tacoma yearly insurance costs for different age groups of insureds. The data is based on a married female driver, comprehensive and collision coverage, and no discounts are taken into consideration.

Drive responsibly or pay higher rates

The example below shows how violations and at-fault claims can raise Toyota Tacoma yearly insurance costs for each different age group. The costs are based on a single female driver, comp and collision included, $250 deductibles, and no policy discounts are applied.

Toyota Tacoma insurance costs by gender and age in San Jose

The example below visualizes the comparison of Toyota Tacoma insurance costs for male and female drivers. The premiums assume no claims or driving violations, comp and collision included, $250 deductibles, drivers are not married, and no discounts are taken into consideration.

Toyota Tacoma Insurance Rate Factors

Lots of things are used when you quote your car insurance policy. A few of the factors are predictable such as your driving record, although some other factors are not as apparent such as your marital status and annual miles driven.

  • Compare rates if you bundle your policies - Many companies will give a discount to people who carry more than one policy, otherwise known as a multi-policy discount. The amount of the discounts can be five, ten or even twenty percent. Even if you're getting this discount you may still want to get quotes from other companies to help guarantee you have the best rates.
  • Premiums are lower the older you get - Beginning drivers in California are statistically proven to be less responsible behind the wheel therefore insurance rates are much higher. Older insureds are shown to be more cautious, tend to file fewer claims, and receive fewer citations.

    The next chart uses these assumptions: single driver, full coverage with $100 deductibles, and no discounts or violations.

  • Safer cars means lower insurance rates - Safer cars can get you lower premiums. Safer cars have better occupant injury protection and any reduction in injury severity means less money paid by your insurance company and thus lower rates.
  • Vocation and insurance premiums - Occupational choices like fire fighters, social workers, and financial analysts have higher premiums than the average policyholder because of high stress levels and long work days. Other careers such as farmers, athletes and the unemployed have lower than average premiums.
  • Loss probability for a Toyota Tacoma - Insurance companies take into consideration insurance loss statistics for every vehicle to calculate a rate that will offset any claims. Vehicles that the data shows to have higher claim frequency or loss amount will cost more for coverage. The next table illustrates the collected loss data for Toyota Tacoma vehicles.

    For each insurance policy coverage type, the claim probability for all vehicles, regardless of make, model or trim level, is equal to 100. Numbers shown that are under 100 are indicative of better than average losses, while values that are 100 or greater point to more claims or tendency to have larger claims.

    Toyota Tacoma Insurance Loss Statistics
    Specific Toyota 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 from IIHS.org for 2013-2015 Model Years

Shop online but buy locally

Some people would rather get advice from a local agent and often times that is recommended Insurance agents can point out coverage gaps and help in the event of a claim. An additional benefit of comparing rate quotes online is you can get cheap car insurance rates and still have an agent to talk to.

Insurance agents in San JoseBy using this simple form, your coverage information is immediately sent to insurance agents in San Jose who will give you bids for your business. It's much easier because you don't need to contact any insurance agencies since rate quotes are delivered to the email address you provide. If you want to get a comparison quote for a specific company, you just need to visit that company's website and fill out their quote form.

Selecting an insurance company shouldn't rely on just the premium amount. These are some questions your agent should answer.

  • Do they get paid more for recommending certain coverages?
  • Do they regularly work with personal auto policies in San Jose?
  • What company do they have the most business with?
  • Do they offer claims assistance after hours?
  • Will vehicle repairs be made with aftermarket parts or OEM replacement parts?

When finding a local San Jose insurance agency, it's important to understand the different agency structures and how they can service your needs differently. Car insurance agents in San Jose are categorized either exclusive or independent (non-exclusive). Either one can insure your vehicles properly, but it is important to understand the difference in the companies they write for since it can impact buying decisions.

Exclusive Insurance Agencies

Agents that elect to be exclusive can only quote rates from one company such as State Farm, Allstate and AAA. Exclusive agents cannot shop your coverage around so they have no alternatives for high prices. Exclusive agents are usually quite knowledgeable on sales techniques which helps them sell insurance even at higher premiums. Consumers sometimes purchase coverage from exclusives mainly due to the prominence of the brand rather than low price.

Shown below is a short list of exclusive insurance agencies in San Jose that can give you comparison quotes.

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Independent Car Insurance Agencies

Agents that elect to be independent are not required to write business for one company and that gives them the ability to insure through lots of different companies and find you the best rates. If you are not satisfied with one company, they simply switch companies in-house and you don't have to find a new agent. If you are comparing car insurance prices, you need to compare prices from several independent agencies to ensure the widest selection of prices. Many write coverage with smaller mutual companies which could offer lower prices.

Listed below is a list of independent insurance agencies in San Jose that are able to give rate quotes.

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More comparisons equals affordable rates

When trying to cut insurance costs, don't be tempted to buy lower coverage limits just to save a few bucks. There are a lot of situations where an accident victim reduced comprehensive coverage or liability limits and found out when filing a claim they didn't purchase enough coverage. Your goal is to purchase plenty of coverage for the lowest price while still protecting your assets.

The cheapest Toyota Tacoma insurance in San Jose can be found on the web and from local insurance agents, so you should be comparing quotes from both to get a complete price analysis. Some insurance providers don't offer price quotes online and many times these small, regional companies work with independent agents.

Drivers who switch companies do it for a variety of reasons including high rates after DUI convictions, questionable increases in premium, lack of trust in their agent or policy cancellation. Whatever your reason, finding a new auto insurance company is actually quite simple.

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