Best Toyota Tundra Insurance in Long Beach

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A recent auto insurance study discovered that a large majority of consumers have bought auto insurance from the same company for well over three years, and almost half have never compared rates to find cheap insurance. Most drivers in California could save up to 35% each year by just comparing rate quotes, but most tend to underestimate the large savings they would see if they moved their coverage to a different company.

Insurance quote for Toyota Tundra in Long BeachIf saving the most money is your goal, then the best way to get discount car insurance rates is to start doing a yearly price comparison from insurance carriers who can sell car insurance in Long Beach. You can compare rates by following these guidelines.

  1. Try to comprehend coverages and the measures you can control to lower rates. Many policy risk factors that drive up the price like speeding and a negative credit rating can be controlled by improving your driving habits or financial responsibility. Keep reading for instructions to prevent high prices and find more discounts that you may not know about.
  2. Get rate quotes from direct carriers, independent agents, and exclusive agents. Direct and exclusive agents can give quotes from one company like Progressive or Allstate, while independent agencies can provide rate quotes for a wide range of companies.
  3. Compare the quotes to your current policy and determine if there is any savings. If you find a lower rate quote, make sure there is no lapse in coverage.

The most important part of shopping around is to make sure you enter the same level of coverage on each price quote and and to get price estimates from as many companies as feasibly possible. Doing this guarantees a fair price comparison and a complete selection of prices.

Lower Your Long Beach Insurance Prices

Multiple criteria are considered when premium rates are determined. Most are fairly basic like a motor vehicle report, although others are not quite as obvious such as your credit history or your commute time. A large part of saving on auto insurance is knowing some of the factors that aid in calculating your premiums. When you understand what influences your rates, this enables informed choices that can help you get cheaper rates.

  • Better credit means lower costs - Credit score is a large factor in your rate calculation. If your credit leaves room for improvement, you could pay less to insure your Toyota Tundra by spending a little time repairing your credit. Drivers with high credit ratings tend to file fewer claims and have better driving records as compared to drivers with lower credit ratings.
  • If you don't need it don't buy it - There are many extra add-on coverages that can add up if you aren't careful. Things like roadside assistance, towing coverage, and extra life insurance coverage may be wasting your money. They may seem good when buying your policy, but if you've never needed them in the past remove them and pocket the money.
  • When should you file claims? - If you file a lot of claims you can expect increased rates or even have your policy non-renewed. Auto insurance companies in California provide lower rates to people who do not rely on their insurance for small claims. Auto insurance is intended for claims that pose a financial burden.
  • More traffic equals higher prices - Living in a rural area has definite advantages when talking about auto insurance. Lower population means less chance of accidents and a lower car theft rate. People in densely populated areas have congested traffic and much longer commute distances. Longer commute distances means more chances of being involved in an auto accident.
  • More mileage equals more premium - The higher the mileage driven in a year the more you'll pay to insure it. Many insurance companies calculate rates determined by how the vehicle is used. Autos that sit idle most of the time cost less to insure than vehicles that are driven to work every day. An incorrectly rated Tundra is just wasting money. Double check that your auto insurance declarations sheet properly reflects the right rating data.
  • Don't get traffic citations - Careful drivers get better rates compared to drivers with tickets. Even one driving citation can increase the cost of insurance substantially. Drivers who have gotten license-revoking violations like hit and run, DWI or reckless driving convictions are required to file a proof of financial responsibility form (SR-22) with the DMV in their state in order to keep their license.

    The information below illustrates how violations and at-fault claims influence Toyota Tundra insurance costs for different age groups. The premiums assume a single male driver, full coverage, $500 deductibles, and no other discounts are factored in.

  • Insurance loss probability for a Toyota Tundra - Insurers use claims history in order to profitably underwrite each model. Vehicles that tend to have higher loss trends will be charged more to insure.

    The next table shows the insurance loss data used by companies for Toyota Tundra vehicles. For each policy coverage, the statistical loss for all vehicles, as an average, is represented as 100. Values that are below 100 imply a favorable loss record, while numbers above 100 point to more frequent losses or tendency to have higher losses.

    Insurance Loss Ratings for Toyota Tundra Vehicles
    Vehicle Make and Model Collision Property Damage Comp Personal Injury Medical Payment Bodily Injury
    Toyota Tundra CrewMax 2WD 88 105 96 63 75 94
    Toyota Tundra CrewMax 4WD 97 113 105 64 51 77
    Toyota Tundra Double Cab 2WD 95 131 90 85 84 107
    Toyota Tundra Double Cab 4WD 86 112 93 53 55 79
    Toyota Tundra Double Cab LWB 4WD 93 115 69

    Empty fields indicate not enough data collected
    Data Source: Insurance Institute for Highway Safety for 2013-2015 Model Years

Finding cheap Toyota Tundra car insurance rates is not rocket science. Consumers just need to take a couple of minutes to get quotes to see which company has the cheapest Toyota Tundra rate quotes.

The car insurance companies shown below provide price comparisons in Long Beach, CA. To locate cheap auto insurance in Long Beach, CA, we suggest you visit as many as you can to get the best price comparison.

Rates and statistics

The information shown next highlights estimates of policy rates for Toyota Tundra models. Understanding more about how insurance premiums are calculated can aid in making decisions when shopping around.

Toyota Tundra Insurance Rates in Long Beach, CA
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Tundra Regular Cab 2WD $330 $582 $674 $40 $202 $1,828 $152
Tundra SR/5 Double Cab 2WD $378 $708 $674 $40 $202 $2,002 $167
Tundra SR/5 Crew Max 2WD $378 $708 $674 $40 $202 $2,002 $167
Tundra Regular Cab 4WD $428 $708 $674 $40 $202 $2,052 $171
Tundra Double Cab 4WD $428 $708 $674 $40 $202 $2,052 $171
Tundra SR/5 Double Cab 4WD $428 $708 $674 $40 $202 $2,052 $171
Tundra Limited Double Cab 2WD $428 $834 $674 $40 $202 $2,178 $182
Tundra Limited Crew MAX 2WD $428 $834 $674 $40 $202 $2,178 $182
Tundra Limited Crew MAX 4WD $476 $834 $674 $40 $202 $2,226 $186
Tundra SR/5 Crew Max 4WD $476 $834 $674 $40 $202 $2,226 $186
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Cost estimates assume single female driver age 30, no speeding tickets, no at-fault accidents, $250 deductibles, and California minimum liability limits. Discounts applied include multi-vehicle, homeowner, multi-policy, safe-driver, and claim-free. Price estimates do not factor in specific zip code location which can raise or lower price quotes noticeably.

Where to set your deductibles

A question often asked by Long Beach drivers is how high should the physical damage coverage deductibles be. The figures shown below highlight the costs and benefits between high and low policy deductibles. The first rate table uses a $250 deductible for comprehensive and collision coverage and the second data table uses a $500 deductible.

Toyota Tundra insurance prices with $250 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Tundra Regular Cab 2WD $298 $472 $500 $30 $150 $1,475 $123
Tundra SR/5 Double Cab 2WD $342 $576 $500 $30 $150 $1,623 $135
Tundra SR/5 Crew Max 2WD $342 $576 $500 $30 $150 $1,623 $135
Tundra Regular Cab 4WD $386 $576 $500 $30 $150 $1,667 $139
Tundra Double Cab 4WD $386 $576 $500 $30 $150 $1,667 $139
Tundra SR/5 Double Cab 4WD $386 $576 $500 $30 $150 $1,667 $139
Tundra Limited Double Cab 2WD $386 $678 $500 $30 $150 $1,769 $147
Tundra Limited Crew MAX 2WD $386 $678 $500 $30 $150 $1,769 $147
Tundra Limited Crew MAX 4WD $430 $678 $500 $30 $150 $1,813 $151
Tundra SR/5 Crew Max 4WD $430 $678 $500 $30 $150 $1,813 $151
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Toyota Tundra insurance prices with $500 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Tundra Regular Cab 2WD $242 $382 $500 $30 $150 $1,304 $109
Tundra SR/5 Double Cab 2WD $278 $464 $500 $30 $150 $1,422 $119
Tundra SR/5 Crew Max 2WD $278 $464 $500 $30 $150 $1,422 $119
Tundra Regular Cab 4WD $314 $464 $500 $30 $150 $1,458 $122
Tundra Double Cab 4WD $314 $464 $500 $30 $150 $1,458 $122
Tundra SR/5 Double Cab 4WD $314 $464 $500 $30 $150 $1,458 $122
Tundra Limited Double Cab 2WD $314 $546 $500 $30 $150 $1,540 $128
Tundra Limited Crew MAX 2WD $314 $546 $500 $30 $150 $1,540 $128
Tundra Limited Crew MAX 4WD $348 $546 $500 $30 $150 $1,574 $131
Tundra SR/5 Crew Max 4WD $348 $546 $500 $30 $150 $1,574 $131
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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 multi-policy, claim-free, safe-driver, homeowner, and multi-vehicle. Price estimates do not factor in garaging location in Long Beach which can change premium rates considerably.

Based on this data, we can arrive at the conclusion that using a $250 deductible will cost you approximately $18 more each month or $216 each year across all Toyota Tundra models than choosing the higher $500 deductible. Because you would be required to pay $250 more if you turn in a claim with a $500 deductible as compared to a $250 deductible, if you have more than 14 months between claim filings, you would most likely save money if you choose the higher deductible.

The illustration below shows how choosing a deductible and can influence Toyota Tundra yearly insurance costs for each age group. The premium estimates are based on a single male driver, comprehensive and collision coverage, and no discounts are applied to the premium.

Toyota Tundra annual premiums for males versus females

The example below visualizes the comparison of Toyota Tundra car insurance rates for male and female drivers. The price estimates are based on no tickets, no at-fault accidents, full physical damage coverage, $500 deductibles, drivers are single, and no discounts are applied.

Here's why auto insurance is not optional

Even though it's not necessarily cheap to insure a Toyota in Long Beach, maintaining insurance may be required for several reasons.

First, the majority of states have minimum liability requirements which means it is punishable by state law to not carry specific limits 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.

Second, if you bought your Toyota Tundra with a loan, more than likely the lender will have a requirement that you have full coverage to protect their interest in the vehicle. If you default on your policy, the bank or lender will purchase a policy for your Toyota at a much higher premium rate and force you to pay the higher price.

Third, insurance safeguards both your Toyota and your assets. It will also cover most medical and hospital costs incurred in an accident. Liability insurance, one of your policy coverages, also pays expenses related to your legal defense if someone files suit against you as the result of an accident. If you receive damage to your vehicle caused by a storm or accident, collision and comprehensive coverages will pay to repair the damage.

The benefits of having insurance definitely exceed the price paid, especially for larger claims. Unknowingly, the average driver overpays more than $855 a year so it's recommended you shop around at every policy renewal to ensure rates are competitive.

Insurance policy discounts for Toyota Tundra insurance in Long Beach

Insuring your vehicles can cost a lot, but discounts can save money and there are some available that you may not know about. Some discounts will apply at the time you complete a quote, but some may not be applied and must be inquired about before they will apply.Cheaper insurance with discounts

  • Renewal Discounts - A few larger companies allow discounts for switching companies prior to the expiration date on your current Tundra insurance policy. It can save you around 10%.
  • Lower Rates for Military - Being on active deployment in the military could trigger a small discount.
  • Theft Deterrent Discount - Anti-theft and alarm system equipped vehicles help deter theft and will qualify for a discount on a Long Beach car insurance quote.
  • Waiver for an Accident - Not necessarily a discount, but certain companies permit an accident before raising your premiums with the catch being you have to be claim-free prior to being involved in the accident.
  • Data Collection Discounts - Insureds who allow driving data collection to track when and where they use their vehicle by installing a telematics device like Allstate's Drivewise may see discounts if their driving habits are good.
  • Defensive Driver Discounts - Taking time to complete a course that instructs on driving safety can save you 5% or more and easily pay for the cost of the class.
  • Discount for Passive Restraints - Cars that have air bags or motorized seat belts could see savings of 20 to 30 percent.
  • No Claims - Drivers with accident-free driving histories pay much less in comparison to policyholders that have many claims.
  • New Car Discount - Buying insurance on a new vehicle may earn a small discount because new vehicles have to meet stringent safety requirements.
  • Save over 55 - Drivers over the age of 55 may be able to get a slight reduction on a Long Beach car insurance quote.

As a sidenote, most discount credits are not given to all coverage premiums. Some only apply to specific coverage prices like liability, collision or medical payments. So even though they make it sound like having all the discounts means you get insurance for free, companies don't profit that way.

The chart below illustrates the comparison of Toyota Tundra car insurance rates with and without some available policy discounts. The data is based on a male driver, a clean driving record, no at-fault accidents, California state minimum liability limits, full physical damage coverage, and $500 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with marriage, multi-policy, multi-car, claim-free, homeowner, and safe-driver discounts applied.

To see insurance companies that offer some of these discounts in Long Beach, follow this link.

Get rate quotes but buy from a neighborhood Long Beach auto insurance agent

Some people would rather have an agent's advice and there is nothing wrong with that. Insurance agents are highly skilled in risk management and help you file claims. One of the great benefits of price shopping on the web is that you can find cheap rate quotes and also buy local.

Long Beach insurance agentsUpon completion of this quick form, the coverage information is transmitted to participating agents in Long Beach who will give you bids for your business. You never need to leave your computer since rate quotes are delivered immediately to you. In the event you want to compare prices for a specific company, don't hesitate to visit that company's website and submit a quote form there.

Choosing an insurance company is decision based upon more than just a cheap price quote. Any agent in Long Beach should be willing to answer these questions.

  • Are there any discounts that you might be missing?
  • Is vehicle damage repaired with OEM or aftermarket parts?
  • Is there a Errors and Omissions policy in force?
  • What is the agency's Better Business Bureau rating?
  • Is the agency active in community causes in Long Beach?
  • Is coverage determined by price?
  • If independent agents, which companies do they recommend?
  • Do the companies they represent have a solid financial rating?

Below are agents in Long Beach that may be willing to give price quote information for Toyota Tundra insurance in Long Beach.

View more Long Beach agents

California car insurance companies ranked

Buying coverage from a good quality car insurance provider can be rather challenging considering how many different companies there are to choose from in California. The company rank data in the next section could help you pick which insurers you want to consider to insure your vehicles.

Top Car Insurance Companies in California
Company Value Customer Service Claims Customer Satisfaction A.M Best Rating Overall Score
USAA 98 100 100 94% A++ 98.6
American Family 98 89 100 86% A 95.4
AAA of Southern California 91 94 97 92% A+ 94.1
State Farm 88 93 96 90% A++ 92.4
The Hartford 94 92 90 89% A+ 91.7
AAA Insurance 88 89 95 91% A 91.2
GEICO 84 93 93 89% A++ 90.3
The General 89 91 89 88% A- 90
Titan Insurance 90 87 91 95% A+ 89.6
Progressive 84 91 93 87% A+ 89.5
Mercury Insurance 88 91 90 85% A+ 89.4
Allstate 85 90 92 88% A+ 89.3
Nationwide 87 88 84 90% A+ 88.7
Liberty Mutual 84 87 93 88% A 88.5
21st Century 85 86 87 88% A 86.7
Esurance 85 80 95 87% A+ 85.9
Safeco 85 85 85 86% A 85.8
Travelers 80 87 87 83% A++ 85.2
Farmers Insurance 78 87 88 79% A 84.3
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Data Source: Best Car Insurance Companies

Car insurance savings summarized

As you prepare to switch companies, do not buy less coverage just to save a little money. There are a lot of situations where an insured cut physical damage coverage and found out when filing a claim that it was a big error on their part. Your aim should be to purchase a proper amount of coverage at an affordable rate while still protecting your assets.

In this article, we covered many ideas to shop for Toyota Tundra insurance online. The most important thing to understand is the more price quotes you have, the better your chances of lowering your premium rates. Drivers may even discover the lowest priced car insurance comes from the least-expected company.

People change insurance companies for many reasons like policy cancellation, not issuing a premium refund, lack of trust in their agent or delays in paying claims. It doesn't matter what your reason, choosing a new insurance company can be pretty painless.

More detailed car insurance information can be found by following these links: