Toyota Tundra Insurance Quotes in Plano

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It's easy to assume that car insurance companies don't want you quoting rates from other companies. Consumers who shop around for cheaper rates are likely to switch auto insurance companies because of the good chance of finding a lower-cost company. A recent auto insurance study revealed that consumers who compared rates once a year saved approximately $3,400 over four years as compared to drivers who didn't regularly shop around.

If saving money on Toyota Tundra insurance is the reason you're here, then having a good understanding how to choose a company and compare coverages can make the process more efficient.

Discount Toyota Tundra insuranceTo save the most money, the best way to get low-cost Toyota Tundra insurance is to make a habit of comparing prices annually from insurance carriers who provide auto insurance in Plano.

  • First, try to understand how companies price auto insurance and the things you can change to prevent rate increases. Many rating factors that result in higher prices like accidents, traffic violations, and a poor credit score can be improved by improving your driving habits or financial responsibility.
  • Second, compare prices from independent agents, exclusive agents, and direct companies. Direct and exclusive agents can give quotes from one company like GEICO and State Farm, while agents who are independent can provide rate quotes from multiple sources. View companies
  • Third, compare the new quotes to the premium of your current policy to see if a cheaper rate is available in Plano. If you find better rates and make a switch, make sure there is no lapse between the expiration of your current policy and the new one.
  • Fourth, notify your agent or company to cancel your current policy and submit a signed application and payment for your new coverage. As soon as you can, place the new certificate verifying coverage in an accessible location in your vehicle.

The key aspect of shopping around is to use identical coverages on every quote and and to get rate quotes from as many different companies as possible. This guarantees a level playing field and the best price selection.

Compare Toyota Tundra insurance rates

When shopping for affordable Plano car insurance quotes, there are a couple of ways to compare rate quotes from many available auto insurance companies in Texas. The easiest way by far to do a complete rate comparison consists of obtaining rate quotes online.

It's so easy to compare rate quotes online that it takes the place of having to make phone calls or go to all the different Plano insurance agencies. Comparing online rate quotes makes this unnecessary unless you prefer the trained guidance that only an agent can give. Drivers can price shop online but have a local agent actually write the policy.

Just keep in mind that obtaining a wide range of quotes helps locate more affordable insurance.

The car insurance companies shown below provide quotes in Plano, TX. In order to find cheap auto insurance in TX, we recommend you visit several of them in order to find the cheapest rates.

Insurance rate breakdown

The information below outlines estimates of insurance coverage prices for Toyota Tundra models. Being able to understand how prices are established is important to be able to make smart buying decisions.

Toyota Tundra Insurance Rates in Plano, TX
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Tundra Regular Cab 2WD $202 $322 $440 $26 $132 $1,122 $94
Tundra SR/5 Double Cab 2WD $232 $392 $440 $26 $132 $1,222 $102
Tundra SR/5 Crew Max 2WD $232 $392 $440 $26 $132 $1,222 $102
Tundra Regular Cab 4WD $262 $392 $440 $26 $132 $1,252 $104
Tundra Double Cab 4WD $262 $392 $440 $26 $132 $1,252 $104
Tundra SR/5 Double Cab 4WD $262 $392 $440 $26 $132 $1,252 $104
Tundra Limited Double Cab 2WD $262 $462 $440 $26 $132 $1,322 $110
Tundra Limited Crew MAX 2WD $262 $462 $440 $26 $132 $1,322 $110
Tundra Limited Crew MAX 4WD $292 $462 $440 $26 $132 $1,352 $113
Tundra SR/5 Crew Max 4WD $292 $462 $440 $26 $132 $1,352 $113
Get Your Own Custom Quote Go

Prices based on married female driver age 30, no speeding tickets, no at-fault accidents, $500 deductibles, and Texas minimum liability limits. Discounts applied include multi-policy, homeowner, claim-free, safe-driver, and multi-vehicle. Rate quotes do not factor in Plano location which can raise or lower rates substantially.

Comparison of policy deductibles

One frequently asked question is what deductibles to buy. The rates below approximate the differences in premium rates between high and low comp and collision deductibles. The first rate comparisons uses a $100 deductible for comprehensive and collision coverage and the second set of rates uses a $500 deductible.

Toyota Tundra insurance rates with $100 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Tundra Regular Cab 2WD $286 $486 $430 $26 $128 $1,381 $115
Tundra SR/5 Double Cab 2WD $328 $592 $430 $26 $128 $1,529 $127
Tundra SR/5 Crew Max 2WD $328 $592 $430 $26 $128 $1,529 $127
Tundra Regular Cab 4WD $370 $592 $430 $26 $128 $1,571 $131
Tundra Double Cab 4WD $370 $592 $430 $26 $128 $1,571 $131
Tundra SR/5 Double Cab 4WD $370 $592 $430 $26 $128 $1,571 $131
Tundra Limited Double Cab 2WD $370 $698 $430 $26 $128 $1,677 $140
Tundra Limited Crew MAX 2WD $370 $698 $430 $26 $128 $1,677 $140
Tundra Limited Crew MAX 4WD $412 $698 $430 $26 $128 $1,719 $143
Tundra SR/5 Crew Max 4WD $412 $698 $430 $26 $128 $1,719 $143
Get Your Own Custom Quote Go
Toyota Tundra insurance rates with $500 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Tundra Regular Cab 2WD $208 $328 $430 $26 $128 $1,120 $93
Tundra SR/5 Double Cab 2WD $240 $400 $430 $26 $128 $1,224 $102
Tundra SR/5 Crew Max 2WD $240 $400 $430 $26 $128 $1,224 $102
Tundra Regular Cab 4WD $270 $400 $430 $26 $128 $1,254 $105
Tundra Double Cab 4WD $270 $400 $430 $26 $128 $1,254 $105
Tundra SR/5 Double Cab 4WD $270 $400 $430 $26 $128 $1,254 $105
Tundra Limited Double Cab 2WD $270 $472 $430 $26 $128 $1,326 $111
Tundra Limited Crew MAX 2WD $270 $472 $430 $26 $128 $1,326 $111
Tundra Limited Crew MAX 4WD $300 $472 $430 $26 $128 $1,356 $113
Tundra SR/5 Crew Max 4WD $300 $472 $430 $26 $128 $1,356 $113
Get Your Own Custom Quote Go

Data rating is based on married male driver age 30, no speeding tickets, no at-fault accidents, and Texas minimum liability limits. Discounts applied include multi-vehicle, claim-free, homeowner, safe-driver, and multi-policy. Premium costs do not factor in specific location which can modify auto insurance rates significantly.

Based on this data, we can arrive at the conclusion that using a $100 deductible could cost the average driver approximately $27 more each month or $324 annually than selecting the higher $500 deductible. Since the policyholder would be required to pay $400 more out-of-pocket with a $500 deductible as compared to a $100 deductible, if you normally go at a minimum 15 months between claim filings, you would probably be better off going with the higher deductible.

Cautious Plano drivers save money

The illustration below demonstrates how traffic citations and at-fault fender-benders influence Toyota Tundra annual premium costs for each different age category. The premium estimates are based on a single female driver, full physical damage coverage, $1,000 deductibles, and no policy discounts are applied.

Toyota Tundra insurance costs by age and gender

The illustration below shows the difference between Toyota Tundra insurance costs for male and female drivers. The rates are based on no claims or driving violations, full physical damage coverage, $1,000 deductibles, drivers are not married, and no policy discounts are applied.

Should you buy full coverage?

The chart below illustrates the difference between Toyota Tundra insurance costs with full physical damage coverage compared to only buying liability only. The costs are based on no tickets, no at-fault accidents, $1,000 deductibles, marital status is single, and no discounts are taken into consideration.

Should you be buying full coverage?

There is no exact formula of when to drop physical damage insurance, but there is a general guideline you can use. If the annual cost of your full coverage insurance is about 10% or more of replacement cost minus your deductible, then it might be time to buy liability only.

For example, let's say your Toyota Tundra replacement value is $4,000 and you have $1,000 full coverage deductibles. If your vehicle is damaged in an accident, the most your company would pay you is $3,000 after paying your deductible. If you are paying more than $300 a year for full coverage, then it could be time to drop full coverage.

There are some conditions where dropping physical damage coverage is not a good plan. If you have an outstanding loan on your vehicle, you have to maintain full coverage in order to prevent your loan from defaulting. Also, if you cannot afford to purchase a different vehicle in the event your current vehicle is totaled, you should not remove full coverage.

Discounts mean cheaper rates for Toyota Tundra insurance in Plano

Companies that sell car insurance don't necessarily list all their discounts very clearly, so here is a list a few of the more common as well as some of the hidden discounts that you can inquire about if you buy Plano car insurance online. If you are not receiving all the discounts you qualify for, you may be paying too high a price.Cheaper auto insurance with discounts

  • Defensive Driving Course - Taking time to complete a class that teaches safe driver techniques can save you 5% or more and make you a better driver.
  • Anti-theft Discount - Cars, trucks, and SUVs that have factory anti-theft systems prevent vehicle theft and will save you 10% or more on Tundra insurance in Plano.
  • No Charge for an Accident - This one is not really a discount per se, but companies like Liberty Mutual, Allstate and State Farm will forgive one accident without getting socked with a rate hike if you are claim-free for a particular time prior to the accident.
  • Bundle and Save - When you combine your home and auto insurance with the same company you may save at least 10 to 15 percent or more.
  • Good Student - Maintaining excellent grades can earn a discount of 20% or more. You can use this discount normally up until you turn 25.
  • Lower Rates for Military - Having an actively deployed family member could trigger a small discount.

As a sidenote, most discounts do not apply to the entire cost. Most only cut the price of certain insurance coverages like collision or personal injury protection. So despite the fact that it appears you can get free auto insurance, it just doesn't work that way.

The illustration below shows the difference between Toyota Tundra yearly insurance costs with and without discounts. The price estimates are based on a male driver, no driving violations, no at-fault accidents, Texas state minimum liability limits, comp and collision included, and $500 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with homeowner, multi-car, marriage, claim-free, multi-policy, and safe-driver discounts applied.

Larger auto insurance companies and a selection of discounts are:

  • Farmers Insurance offers premium reductions for electronic funds transfer, distant student, multi-car, teen driver, and early shopping.
  • Esurance offers discounts for online shopper, claim free, multi-car, DriveSense, and renters.
  • State Farm may have discounts that include passive restraint, multiple autos, good student, safe vehicle, accident-free, and student away at school.
  • GEICO offers discounts including federal employee, defensive driver, emergency military deployment, membership and employees, and seat belt use.
  • Allstate discounts include farm vehicle, economy car, resident student, anti-theft, anti-lock brakes, and good student.

Before buying, ask each company which credits you are entitled to. Some discounts might not apply in Plano.

Why car insurance is not optional

Despite the fact that car insurance is not cheap in Plano, buying car insurance may be required for several reasons.

  • Just about all states have minimum liability requirements which means state laws require a specific level of liability insurance coverage in order to license the vehicle. In Texas these limits are 30/60/25 which means you must have $30,000 of bodily injury coverage per person, $60,000 of bodily injury coverage per accident, and $25,000 of property damage coverage.
  • If you bought your vehicle with a loan, almost every bank will have a requirement that you buy insurance to guarantee loan repayment. If you let the policy lapse, the lender may have to buy a policy to insure your Toyota at a more expensive rate and require you to fork over for the much more expensive policy.
  • Insurance safeguards both your assets and your car. It will also cover many types of medical costs for you, any passengers, and anyone injured in an accident. Liability insurance, one of your policy coverages, will also pay attorney fees in the event you are sued. If you have damage to your Toyota as the result of the weather or an accident, collision and comprehensive (also known as other-than-collision) coverage will pay to repair the damage.

The benefits of buying enough insurance more than offset the price you pay, particularly for liability claims. An average driver in America overpays more than $850 per year so it's very important to do a rate comparison once a year at a minimum to be sure current rates are still competitive.

Best auto insurance in Plano

Insuring your vehicle with a highly-rated car insurance company is hard considering how many different companies there are to choose from in Plano. The rank data below can help you analyze which providers you want to consider when shopping around.

Top 10 Plano Car Insurance Companies by A.M. Best Rank

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

Top 10 Plano Car Insurance Companies Ranked by Customer Satisfaction

  1. USAA - 91%
  2. AAA Insurance - 90%
  3. Esurance - 90%
  4. Mercury Insurance - 89%
  5. Nationwide - 89%
  6. Travelers - 88%
  7. Progressive - 88%
  8. Safeco Insurance - 88%
  9. State Farm - 88%
  10. Allstate - 88%

Will just any policy work for me?

Always remember that when buying a policy, there really isn't a one size fits all plan. Your needs are not the same as everyone else's so your insurance should reflect thatSafe vehicles cost less to insure Here are some questions about coverages that can aid in determining if your situation might need professional guidance.

  • How do I buy GAP insurance?
  • Is my custom paint covered by insurance?
  • Is other people's property covered if stolen from my vehicle?
  • Are rental cars covered under my policy?
  • How much liability coverage do I need in Texas?
  • Is upholstery damage covered by car insurance?
  • How can I find cheaper teen driver insurance?
  • How high should my medical payments coverage be?
  • Are rock chip repairs covered?

If it's difficult to answer those questions, you may need to chat with an insurance agent. To find lower rates from a local agent, complete this form or go to this page to view a list of companies.

You may want advice from an insurance agent

A lot of people would rather go talk to an agent and often times that is recommended One of the benefits of comparing rate quotes online is you can get lower rates and also buy local. Buying from local agencies is important particularly in Plano.

Insurance agency in PlanoTo make it easy to find an agent, after completing this quick form, the quote information is sent to companies in Plano who will gladly provide quotes for your insurance coverage. There is no reason to contact an agency because prices are sent to your email. Get lower rates without having to waste a lot of time. If you wish to quote rates from a specific company, just search and find their rate quote page and fill out the quote form the provide.

Plano auto insurance agents come in two flavors

If you are wanting to purchase insurance from a reliable insurance agent, it helps to know the two different types of agents and how they operate. Insurance policy providers can be classified as either independent or exclusive.

Independent Insurance Agents (or Brokers)

Independent insurance agents can sell policies from many different companies and that allows them to write policies through lots of different companies enabling the ability to shop coverage around. To move your coverage to a new company, they simply move the coverage in-house and you can keep the same agent.

If you need cheaper insurance rates, it's a good idea to get quotes from several independent insurance agents to get the most accurate price comparison.

Below are Plano independent agents that may be able to give price quote information.

3275 Independence Pkwy - Plano, TX 75075 - (972) 519-5435 - View Map

Choice Insurance LLC
5045 Bridge Creek Dr - Plano, TX 75093 - (469) 467-6379 - View Map

6500 Pinecrest Dr - Plano, TX 75024 - (800) 486-5616 - View Map

View more Plano agents

Exclusive Agencies

These type of agents are contracted to one company and some examples include Allstate and State Farm. Exclusive agents are unable to shop your coverage around so they have to upsell other benefits. These agents are trained well on their company's products which aids in selling service over price.

Shown below is a short list of exclusive insurance agencies in Plano that are able to give comparison quotes.

5809 Preston Rd #586 - Plano, TX 75093 - (972) 378-1024 - View Map

4504 Legacy Dr #200 - Plano, TX 75024 - (972) 943-9555 - View Map

280 Legacy Dr #250 - Plano, TX 75023 - (972) 575-9100 - View Map

View more Plano agents

Deciding on a car insurance agent requires more thought than just the quoted price. The answers to these questions are important, too.

  • Do the agents have professional certifications like CPCU or CIC?
  • Does the agent help file claims?
  • What is the financial rating for the quoted company?
  • How often do they review policy coverages?
  • Does their agency support local causes in Plano?
  • Who is covered by the car insurance policy?