The easiest way to find better pricing on Toyota Tundra insurance is to regularly compare quotes from different companies in Corpus Christi. Drivers can shop around by following these steps.
- First, try to learn about car insurance and the things you can control to prevent expensive coverage. Many factors that result in higher prices like multiple speeding tickets and a low credit rating can be eliminated by paying attention to minor details.
- Second, quote rates from direct, independent, and exclusive agents. Exclusive and direct companies can provide rates from one company like GEICO and State Farm, while independent agents can quote prices from multiple sources.
- Third, compare the new rate quotes to your existing coverage to determine if switching companies saves money. If you find a lower rate and switch companies, make sure there is no lapse in coverage.
- Fourth, give notification to your current company to cancel your current car insurance policy. Submit a down payment along with a signed application to the newly selected company. Be sure to place your new certificate of insurance in a readily accessible location in your vehicle.
One key aspect when comparing rates is that you use identical coverage information on each quote and and to compare as many different companies as possible. This ensures an apples-to-apples comparison and the most accurate and complete price analysis.
It’s well known that auto insurance companies want to keep your business as long as possible. Insureds who shop for lower prices are very likely to move their business because there is a great chance of finding a policy with better rates. A study discovered that consumers who compared rates regularly saved about $3,500 over four years compared to those who never compared other company’s rates.
If saving money on car insurance in Corpus Christi is why you’re here, then having some knowledge of how to find and compare auto insurance can make shopping around easier.
Finding and buying the lowest-priced car insurance in Corpus Christi is not that difficult. In essence, anyone who shops around for car insurance will most likely find lower prices. But Texas vehicle owners do need to learn the methods companies use to determine premium rates because rates are impacted by many factors.
Do you qualify for discounts?
Car insurance is not an enjoyable expense, but you can get discounts to help bring down the price. Some trigger automatically when you complete an application, but lesser-known reductions have to be inquired about prior to receiving the credit.
- Drive Less and Save – Driving fewer miles could be rewarded with lower premium rates on the low mileage vehicles.
- Multiple Cars – Purchasing coverage when you have multiple cars on one policy could earn a price break for each car.
- Full Payment Discount – By paying your policy upfront rather than paying in monthly installments you can avoid monthly service charges.
- Defensive Driver – Passing a defensive driving course could cut 5% off your bill if you qualify.
- Smart Student Discounts – Excelling in school could provide a savings of up to 20% or more. The discount lasts up to age 25.
- Discounts for New Vehicles – Insuring a new Tundra can be considerably cheaper because new vehicles keep occupants safer.
As a disclaimer on discounts, most discounts do not apply to the whole policy. Some only apply to the cost of specific coverages such as physical damage coverage or medical payments. Despite the fact that it seems like adding up those discounts means a free policy, nobody gets a free ride.
The chart below visualizes the comparison of Toyota Tundra insurance premiums with and without discounts. The rate quotes are based on a male driver, no claims, a clean driving record, Texas state minimum liability limits, full coverage, and $100 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with marriage, multi-car, safe-driver, homeowner, claim-free, and multi-policy discounts applied.
A list of car insurance companies and a selection of discounts are shown below.
- Progressive offers premium reductions for good student, multi-vehicle, online signing, multi-policy, and homeowner.
- SAFECO has discounts for accident prevention training, safe driver, drive less, multi-car, teen safe driver, and teen safety rewards.
- American Family has savings for good driver, early bird, defensive driver, good student, bundled insurance, and air bags.
- MetLife offers discounts including claim-free, defensive driver, multi-policy, good driver, good student, and accident-free.
- GEICO may include discounts for defensive driver, daytime running lights, seat belt use, five-year accident-free, anti-lock brakes, federal employee, and anti-theft.
- The Hartford discounts include anti-theft, driver training, good student, vehicle fuel type, bundle, defensive driver, and air bag.
If you are trying to find the cheapest Toyota Tundra rate quotes, ask all the companies which discounts they offer. Savings might not be offered on policies in every state.
How much is Toyota Tundra insurance in Corpus Christi?
The majority of larger companies make it easy to get insurance quotes from their websites. Getting online rates for Toyota Tundra insurance in Corpus Christi is pretty painless as you simply type in the amount of coverage you want into the form. After you complete the form, their quoting system automatically retrieves credit information and your driving record and generates pricing information based on the information you submitted.
Quoting online for Toyota Tundra insurance in Corpus Christi makes it simple to compare prices and it is imperative to perform this step if you are searching for the cheapest car insurance rates.
To quickly use this form to compare rates, visit the companies below or click here to submit a quote request to multiple companies at once. If you have a policy now, it’s recommended you duplicate the insurance coverages identical to your current policy. This helps ensure you will have a price comparison using the exact same coverages.
The companies in the list below are our best choices to provide free quotes in Texas. If multiple companies are listed, we suggest you compare several of them in order to find the lowest rates.
Toyota Tundra coverage analysis
The premium information shown below highlights a range of insurance policy prices for Toyota Tundra models. Having knowledge of how auto insurance prices are figured can be of help when making smart choices when selecting a policy.
|Model||Comp||Collision||Liability||Medical||UM/UIM||Annual Premium||Monthly Premium|
|Tundra Regular Cab 2WD||$284||$502||$582||$34||$174||$1,576||$131|
|Tundra SR/5 Double Cab 2WD||$326||$610||$582||$34||$174||$1,726||$144|
|Tundra SR/5 Crew Max 2WD||$326||$610||$582||$34||$174||$1,726||$144|
|Tundra Regular Cab 4WD||$368||$610||$582||$34||$174||$1,768||$147|
|Tundra Double Cab 4WD||$368||$610||$582||$34||$174||$1,768||$147|
|Tundra SR/5 Double Cab 4WD||$368||$610||$582||$34||$174||$1,768||$147|
|Tundra Limited Double Cab 2WD||$368||$720||$582||$34||$174||$1,878||$157|
|Tundra Limited Crew MAX 2WD||$368||$720||$582||$34||$174||$1,878||$157|
|Tundra Limited Crew MAX 4WD||$410||$720||$582||$34||$174||$1,920||$160|
|Tundra SR/5 Crew Max 4WD||$410||$720||$582||$34||$174||$1,920||$160|
|Get Your Own Custom Quote Go|
Data based on single female driver age 30, no speeding tickets, no at-fault accidents, $250 deductibles, and Texas minimum liability limits. Discounts applied include claim-free, homeowner, multi-policy, safe-driver, and multi-vehicle. Information does not factor in specific garaging location which can impact premiums significantly.
The example below shows how choosing a deductible and can impact Toyota Tundra insurance costs for different categories of driver ages. Data assumes a married male driver, full physical damage coverage, and no discounts are factored in.
How careless driving impacts auto insurance rates
The diagram below illustrates how violations and at-fault accidents can influence Toyota Tundra annual premium costs for different age groups of insureds. Data assumes a single male driver, comp and collision included, $1,000 deductibles, and no discounts are taken into consideration.
Full coverage rates vs. liability-only in Corpus Christi
The diagram below shows the difference between Toyota Tundra auto insurance costs with liability coverage only compared to full coverage. The rate quotes are based on a clean driving record, no at-fault accidents, $250 deductibles, single status, and no discounts are applied to the premium.
Should you pay for full coverage or liability only?
There is no definitive guideline to eliminate comprehensive and collision coverage on your policy, but there is a general guideline you can use. If the yearly cost of full coverage is more than around 10% of the replacement cost of your vehicle minus the policy deductible, then it might be time to buy liability only.
For example, let’s assume your Toyota Tundra book value is $4,000 and you have $1,000 physical damage deductibles. If your vehicle is totaled, the most you would get paid by your company is $3,000 after the deductible is paid. If premiums are more than $300 a year to have full coverage, then you might consider buying liability only.
There are some circumstances where buying only liability insurance is not recommended. If you still have a loan on your vehicle, you have to maintain full coverage to satisfy the loan requirements. Also, if you cannot afford to purchase a different vehicle if your current one is damaged, you should not eliminate full coverage.
Quote Toyota Tundra Insurance Cheaper
Many things are part of the equation when you quote your car insurance policy. Most are fairly basic such as your driving record, but other criteria are more transparent like where you live and annual miles driven.
Cheaper car insurance rates for prior coverage – Not maintaining insurance can get your license suspended and your next policy will cost more because you let your coverage cancel without a new policy in place. Not only will you pay more, getting caught without coverage may earn you fines or a revoked license. You may then be required to file a SR-22 with the Texas motor vehicle department to get your license reinstated.
Does insurance coverage cost more for guys? – Over time, data shows women are more cautious behind the wheel. This data doesn’t prove that men are WORSE drivers than women. Men and women are in at-fault accidents in similar percentages, but the male of the species get into accidents with more damage. In addition to higher claims, males also have more aggressive citations like DUI and reckless driving.
The information below illustrates the comparison of Toyota Tundra insurance prices for male and female drivers. The costs are based on no violations or accidents, full coverage, $500 deductibles, marital status is single, and no discounts are applied to the premium.
Drive a fast car, truck or SUV and pay more – The type of vehicle you are trying to find cheaper insurance for makes a substantial difference in how high your rates are. Lower cost passenger cars generally receive the lowest base rates, but that’s not the only thing that factors into the final price.
The next chart uses these assumptions: single male driver age 30, full coverage with $250 deductibles, and no discounts or violations. It compares Toyota Tundra car insurance rates compared to other makes and models that have different performances.
Bundling policies can get discounts – Many insurance companies allow better rates for people that buy multiple policies. It’s known as a multi-policy discount. Even if you’re getting this discount consumers should still comparison shop to confirm you are receiving the best rates possible. Drivers may still find lower rates by insuring with multiple companies.
Toyota Tundra historical loss data – Insurers use claims history to calculate a price that offsets possible losses. Models that historically have increased claim numbers or amounts will have higher rates. The table shown below demonstrates the compiled insurance loss statistics for Toyota Tundra vehicles.
For each coverage category, the statistical loss for all vehicles averaged together is a value of 100. Numbers below 100 suggest a better than average loss history, while numbers above 100 point to more frequent losses or a tendency for claims to be larger.
|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
When should I get advice from an insurance agent?
A lot of people would prefer to have an agent’s advice and that is a personal choice. A good thing about price shopping on the web is you can get cheap car insurance quotes and still have a local agent. Supporting neighborhood insurance agencies is definitely important in Corpus Christi.
Upon completion of this quick form, your insurance data is transmitted to participating agents in Corpus Christi who want to provide quotes for your business. It’s much easier because you don’t need to contact any insurance agencies as quotes are delivered straight to your inbox. You can get cheaper car insurance rates without a big time investment. If you need to compare rates for a specific company, you just need to go to their quote page and give them your coverage information.
If you want to use a reliable agent, it’s helpful to know the types of agencies that differ in how they can insure your vehicles. Agents in Corpus Christi can be described as either exclusive or independent (non-exclusive).
Agents of this type are not limited to a single company so as a result can place your coverage with any number of different companies and find you cheaper rates. If prices rise, the agent simply finds a different carrier which makes it simple for you. When comparing car insurance prices, we recommend you contact at a minimum one independent agency so that you can do a thorough price comparison. Most have the option of insuring with less well-known companies that may provide cheaper car insurance rates.
The following is a list of independent agencies in Corpus Christi that can possibly get you pricing information.
- Hochheim Prairie Insurance
4646 Corona Dr – Corpus Christi, TX 78411 – (361) 814-1097 – View Map
- CMM INSURANCE AGENCY
5009 Kostoryz Rd – Corpus Christi, TX 78415 – (361) 654-0030 – View Map
- Star Advantage Insurance Agency
15201 S Padre Island Dr – Corpus Christi, TX 78418 – (361) 949-0396 – View Map
Exclusive Insurance Agents
Agents that elect to be exclusive can only write with one company and some examples include Allstate, State Farm and Farm Bureau. They generally cannot give you multiple price quotes so keep that in mind. Exclusive agencies are usually quite knowledgeable on sales techniques and that can be a competitive advantage. Many people purchase coverage from exclusives mainly due to the prominent brand name and strong financial ratings.
The following are Corpus Christi exclusive agents willing to provide price quote information.
- Allstate Insurance: Al Armadillo
5656 S Staples St #300 – Corpus Christi, TX 78411 – (361) 985-7488 – View Map
- Allstate Insurance: Laura Harris
3837 S Padre Island Dr – Corpus Christi, TX 78415 – (361) 985-2875 – View Map
- Michael Morgan – State Farm Insurance Agent
5515 Saratoga Blvd b – Corpus Christi, TX 78413 – (361) 992-3636 – View Map
Picking an insurance agency requires more thought than just a cheap quote. You should also get answers to these questions.
- How are claims handled?
- How many years have they been established?
- Do they regularly work with personal auto policies in Corpus Christi?
- How much experience to they have in personal lines coverages?
- What insurance companies do they recommend if they are an independent agent?
- Do they have 24-hour customer assistance?
Three good reasons to insure your Toyota Tundra
Even though it’s not necessarily cheap to insure a Toyota in Corpus Christi, insurance may be required for several reasons.
First, the majority of states have minimum mandated liability insurance limits which means it is punishable by state law to not carry a specific level of liability insurance coverage in order to drive the car legally. 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.
Second, if you took out a loan on your car, most lenders will force you to have physical damage coverage to ensure loan repayment if the vehicle is totaled. If you do not pay your insurance premiums, the lender may have to buy a policy to insure your Toyota at a significantly higher premium and force you to pay for the much more expensive policy.
Third, car insurance preserves not only your Toyota Tundra but also your assets. It will also provide coverage for hospital and medical expenses that are the result of an accident. Liability insurance, one of your policy coverages, also pays expenses related to your legal defense if anyone sues you for causing an accident. If mother nature or an accident damages your car, your policy will cover the damage repairs after a deductible is paid.
The benefits of carrying adequate insurance more than cancel out the cost, especially if you ever need it. Today the average American driver overpays as much as $855 a year so you should quote your policy with other companies once a year at a minimum to save money.
Auto insurance companies ranked
Picking a highly-rated insurer is difficult considering how many different companies there are to choose from in Corpus Christi. The rank data shown below may help you select which insurers you want to consider comparing rates from.
Top 10 Corpus Christi Car Insurance Companies by A.M. Best Rank
- Travelers – A++
- USAA – A++
- GEICO – A++
- State Farm – A++
- Titan Insurance – A+
- Esurance – A+
- Progressive – A+
- The Hartford – A+
- Allstate – A+
- Nationwide – A+
Top 10 Corpus Christi Car Insurance Companies Ranked by Customer Satisfaction
- USAA – 91%
- AAA Insurance – 90%
- Esurance – 90%
- Mercury Insurance – 89%
- Nationwide – 89%
- Travelers – 88%
- Progressive – 88%
- Safeco Insurance – 88%
- State Farm – 88%
- Allstate – 88%
Cheaper auto insurance rates are possible
Insureds switch companies for many reasons like poor customer service, delays in responding to claim requests, policy cancellation and even high rates after DUI convictions. Regardless of your reason for switching companies, choosing a new insurance company is pretty easy and you might even save some money in the process.
As you shop your coverage around, it’s a bad idea to skimp on coverage in order to save money. There are many occasions where someone sacrificed uninsured motorist or liability limits and learned later that the few dollars in savings costed them thousands. Your goal is to buy enough coverage at the best possible price while still protecting your assets.
In this article, we presented some good ideas how to save on Toyota Tundra insurance in Corpus Christi. It’s most important to understand that the more you quote Corpus Christi car insurance, the higher the chance of saving money. You may even discover the lowest priced auto insurance comes from a small mutual company.
To learn more, feel free to browse the resources below:
- Help Your Teen Be a Better Driver (State Farm)
- Who Has Affordable Car Insurance Rates for Drivers with Accidents in Corpus Christi? (FAQ)
- Car Insurance: When not to Skimp (BankRate.com)
- Safety Features for Your New Car (State Farm)