Auto Insurance Quotes for a Toyota Tacoma in Long Beach

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Insurance quote for Toyota Tacoma in Long BeachTrying to come up with a payment for overpriced auto insurance can drain your bank account and require stricter spending habits. Doing a rate comparison is free and is an excellent way to make ends meet.

Sadly, a large majority of consumers kept their policy with the same company for a minimum of four years, and approximately 38% of consumers have never compared rates from other carriers. Most drivers in California can save roughly 35% each year, but they just don't understand the amount of savings they would get if they just switched companies.

Steps to buying affordable Toyota Tacoma insurance in Long Beach

Truthfully, the best way to find cheaper prices for auto insurance rates is to start comparing rates regularly from companies in Long Beach. You can shop around by following these guidelines.

  • First, read and learn about auto insurance and the modifications you can make to prevent rate increases. Many factors that are responsible for high rates such as inattentive driving and an unfavorable credit rating can be controlled by making lifestyle changes or driving safer.
  • Second, compare rates from direct carriers, independent agents, and exclusive agents. Direct companies and exclusive agencies can give quotes from one company like Progressive or Allstate, while independent agencies can provide price quotes from multiple sources.
  • Third, compare the quotes to your current policy and see if you can save money. If you can save some money and decide to switch, make sure there is no lapse in coverage.
  • Fourth, tell your current company of your intention to cancel your current car insurance policy. Submit a signed application and payment to the new company. Don't forget to keep the new certificate verifying coverage in your vehicle.

One thing to point out is to compare identical deductibles and limits on each quote and and to get rate quotes from as many companies as feasibly possible. This ensures an apples-to-apples comparison and the best price quote selection.

You have multiple insurers to purchase coverage from, and though it is a good thing to have a selection, it can be more difficult to compare rates and find the lowest cost auto insurance.

It's important to shop coverage around quite often since prices change quite often. If you had the lowest price on Toyota Tacoma insurance in Long Beach last year you can probably find a lower rate today. Forget all the misinformation about auto insurance because you're about to learn how to use online quotes to save on auto insurance.

Finding affordable insurance coverage in Long Beach is actually quite easy if you know where to start. If you have a current insurance policy or just want to save money, you can follow these tips to reduce premiums without reducing coverage. Drivers only need to know the best way to compare insurance rates from many companies at once.

All major car insurance companies such as State Farm, GEICO and Progressive allow consumers to get insurance quotes from their websites. Doing online quotes for Toyota Tacoma insurance in Long Beach is quite easy as you simply type in the coverage amounts you desire into the form. When complete, their quoting system makes automated requests for your driving record and credit report and provides a quote based on these and other factors. Using the web to get rates for Toyota Tacoma insurance in Long Beach helps simplify price comparisons, and it is imperative to perform this step if you want to get the cheapest price.

To compare pricing, compare rate quotes from the providers shown below. If you have a policy now, it's recommended you replicate coverages and limits exactly as shown on your declarations page. This way, you will be getting a price comparison based on the exact same insurance coverage.

The companies in the list below offer free rate quotes in Long Beach, CA. To get cheap car insurance in Long Beach, we suggest you visit as many as you can to get a more complete price comparison.

Insurance is not optional in California

Despite the high cost, buying insurance serves several important purposes.

  • Just about all states have minimum liability requirements which means you are required to buy a specific minimum amount of liability coverage if you don't want to risk a ticket. 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 have a loan on your vehicle, almost every bank will make it a condition of the loan that you buy insurance to protect their interest in the vehicle. If you do not keep the policy in force, the lender may insure your Toyota at a much higher premium rate and make you pay a much higher amount than you were paying before.
  • Insurance safeguards not only your Toyota but also your assets. Insurance will pay for medical expenses for both you and anyone you injure as the result of an accident. Liability insurance also covers all legal expenses up to the policy limit if you are named as a defendant in an auto accident. If you have damage to your Toyota as the result of the weather or an accident, your policy will pay to repair the damage minus the deductible amount.

The benefits of buying insurance definitely exceed the price paid, especially when you need to use it. According to a recent study, the average American driver is currently overpaying as much as $855 a year so smart consumers compare quotes each time the policy renews to help ensure money is not being wasted.

Rates and other information

The price information displayed below covers detailed analysis of insurance policy prices for Toyota Tacoma models. Being aware of how insurance prices are determined is important for you to make decisions when shopping your coverage around.

Toyota Tacoma Insurance Rates in Long Beach, CA
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Tacoma 2WD $204 $446 $596 $36 $178 $1,460 $122
Tacoma 4WD $234 $366 $596 $36 $178 $1,410 $118
Tacoma Double Cab 4WD $234 $446 $596 $36 $178 $1,490 $124
Tacoma X-Runner 2WD $234 $524 $596 $36 $178 $1,568 $131
Tacoma Double Cab 4WD $264 $446 $596 $36 $178 $1,520 $127
Tacoma Double Cab TRD Off-Road Package 4WD $264 $446 $596 $36 $178 $1,520 $127
Tacoma Double Cab TRD Sport Package 4WD $264 $446 $596 $36 $178 $1,520 $127
Get Your Own Custom Quote Go

Cost estimates assume single female driver age 30, no speeding tickets, no at-fault accidents, $1000 deductibles, and California minimum liability limits. Discounts applied include safe-driver, multi-vehicle, homeowner, claim-free, and multi-policy. Premium amounts do not factor in specific Long Beach garaging location which can impact insurance rates greatly.

Rate comparison for different deductibles

One common question asked by Long Beach drivers is what deductibles to buy. The figures shown below may aid in understanding how much more rates are between high and low policy deductibles. The first rate table uses a $100 deductible for comp and collision and the second price grid uses a $500 deductible.

Toyota Tacoma insurance premium estimates with $100 deductibles
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
Toyota Tacoma insurance premium estimates 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

Data rating is based on married male driver age 30, no speeding tickets, no at-fault accidents, and California minimum liability limits. Discounts applied include homeowner, multi-vehicle, safe-driver, claim-free, and multi-policy. Information does not factor in the specific area where the vehicle is garaged which can affect auto insurance rates noticeably.

Based on the above data, using a $100 deductible will cost you approximately $29 more each month or $348 each year than choosing the higher $500 deductible. Since you would pay $400 more to file a claim with a $500 deductible as compared to a $100 deductible, if you go at a minimum 14 months between claims, you would most likely save money if you elect the higher deductible.

How to determine if a higher deductible is a good idea

Average monthly premium for $100 deductibles: $142
Average monthly premium for $500 deductibles (subtract): - $113
Monthly savings from raising deductible: $29
Difference between deductibles ($500 - $100): $400
Divide difference by monthly savings: $400 / $29
Number of months required between physical damage coverage claims in order to save money by choosing the higher deductible 14 months

The information below demonstrates how deductible levels and can affect Toyota Tacoma yearly insurance costs for each different age category. The prices are based on a married male driver, full physical damage coverage, and no other discounts are factored in.

Careless driving habits raise auto insurance rates

The illustration below illustrates how violations and at-fault fender-benders can influence Toyota Tacoma car insurance costs for different age groups. The premium estimates are based on a single male driver, full physical damage coverage, $100 deductibles, and no policy discounts are applied.

Affordable Toyota Tacoma insurance quotes in Long Beach

Car insurance is neither fun to buy or cheap, but you may be missing some discounts that can drop the cost substantially. Some discounts apply automatically when you complete an application, but occasionally some discounts must be asked about prior to getting the savings.Save money with discounts

  • Discount for Passive Restraints - Vehicles with factory air bags may earn rate discounts of 20% or more.
  • Pay Upfront and Save - If you pay your entire premium ahead of time instead of monthly or quarterly installments you could save 5% or more.
  • Onboard Data Collection - Insureds that choose to allow driving data collection to look at vehicle usage by installing a telematics device such as Drivewise from Allstate or Snapshot from Progressive may see discounts as long as the data is positive.
  • Own a Home and Save - Owning a house in Long Beach can save a few bucks since owning and maintaining a home means you have a higher level of financial diligence.
  • Bundle and Save - When you have multiple policies with the same company you could earn a discount of up to 20% off your total Tacoma insurance premium.
  • Discounts for New Vehicles - Adding a new car to your policy is cheaper because new vehicles keep occupants safer.
  • Anti-lock Brakes - Cars with ABS and/or traction control have fewer accidents and earn discounts up to 10%.
  • Responsible Drivers - Accident-free drivers may save up to 50% more compared to accident prone drivers.

Consumers should know that most discounts do not apply to all coverage premiums. Most cut the price of certain insurance coverages like comprehensive or collision. If you do the math and it seems like adding up those discounts means a free policy, insurance companies wouldn't stay in business.

The illustration below illustrates the difference between Toyota Tacoma insurance prices with and without discounts applied to the premium. The rate quotes are based on a male driver, no claims, a clean driving record, California state minimum liability limits, comprehensive and collision coverage, and $100 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with multi-policy, homeowner, marriage, claim-free, multi-car, and safe-driver discounts applied.

To view providers who offer discounts in Long Beach, click here.

Compare rate quotes but work with a local Long Beach insurance agency

A lot of people still prefer to buy from a local agent and that can be a smart move Most agents can point out coverage gaps and help submit paperwork. A nice benefit of comparing insurance online is you can get better rates and still choose a local agent.

Long Beach insurance agentsTo make it easy to find an agent, after completing this quick form, the coverage information is instantly submitted to agents in your area that can give you free Long Beach auto insurance quotes and help you find cheaper coverage. You won't even need to find an agent due to the fact that quote results will go directly to your email. If you want to quote rates from a specific insurance provider, feel free to navigate to their website and complete a quote there.

Choosing an company requires you to look at more than just a cheap price. Any agent in Long Beach should be forthright in answering these questions:

  • Is insurance their full-time profession?
  • Can you get a list of referrals?
  • Is the coverage adequate for your vehicle?
  • Do they specialize in personal lines auto insurance in Long Beach?
  • Do they have cheaper tiers of coverage?

After getting reasonable responses as well as a affordable price, you may have found an insurer that can be trusted to service your policy. Keep in mind you can always terminate your policy whenever you choose to so never feel that you're stuck with your new company for the entire policy term.

Best auto insurance company in California

Finding a highly-rated car insurance provider can be a challenge considering how many different companies sell coverage in Long Beach. The company ratings in the next section may help you decide which auto insurance companies to look at purchasing coverage from.

Top 10 Long Beach 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+

Top 10 Long Beach Car Insurance Companies Ranked by Customer Service

  1. AAA of Southern California
  2. GEICO
  3. State Farm
  4. The Hartford
  5. Mercury Insurance
  6. The General
  7. Progressive
  8. Allstate
  9. AAA Insurance
  10. American Family

Cheap auto insurance rates are out there

Affordable Toyota Tacoma insurance in Long Beach can be sourced both online in addition to many Long Beach insurance agents, and you should be comparing both to have the best rate selection. Some companies may not provide the ability to get quotes online and usually these small, regional companies sell through independent agents.

We covered a lot of ways to shop for Toyota Tacoma insurance online. The key thing to remember is the more times you quote, the better your chances of lowering your car insurance rates. You may even find the lowest priced auto insurance comes from a company that doesn't do a lot of advertising. Some small companies can often insure niche markets at a lower cost compared to the large companies like State Farm, GEICO and Nationwide.

As you go through the steps to switch your coverage, it's very important that you do not skimp on coverage in order to save money. There have been many situations where someone sacrificed full coverage only to find out that a couple dollars of savings turned into a financial nightmare. Your aim should be to purchase plenty of coverage at the best price, but do not sacrifice coverage to save money.

Steps to finding low-cost Toyota Tacoma insurance in Long Beach

It takes a little time, but the best way to get low-cost auto insurance rates in Long Beach is to begin comparing prices regularly from insurance carriers who sell auto insurance in California.

  • First, spend some time learning about how car insurance works and the things you can control to prevent expensive coverage. Many policy risk factors that are responsible for high rates such as high-risk driving behaviors and a not-so-good credit rating can be remedied by making lifestyle changes or driving safer.
  • Second, obtain price quotes from direct, independent, and exclusive agents. Direct companies and exclusive agencies can only quote rates from a single company like GEICO or State Farm, while independent agencies can give you price quotes for a wide range of insurance providers. Get quotes now
  • Third, compare the quotes to your existing rates to see if a cheaper price is available in Long Beach. If you can save money, ensure there is no coverage lapse between policies.
  • Fourth, tell your current agent or company to cancel the current policy. Submit the application along with any required down payment to the new company. As soon as coverage is bound, keep the new certificate of insurance along with your vehicle registration.

A tip to remember is to use the same level of coverage on every price quote and and to get rates from as many companies as you can. Doing this ensures an accurate price comparison and a thorough price selection.

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