Find Affordable Toyota Tacoma Insurance in Dallas

It’s amazing but over 70% of drivers have bought insurance from the same company for four years or more, and about 40% of consumers have never compared rate quotes at all. Many consumers in Texas could save nearly 70% every year just by shopping around, but they just don’t understand the amount of savings they would get if they moved their coverage to a different company.

Insurance quote for Toyota Tacoma in DallasIt takes a few minutes, but the best way to get budget Toyota Tacoma insurance is to compare quotes annually from insurance carriers in Dallas.

  1. Take a few minutes and learn about the coverage provided by your policy and the things you can control to keep rates down. Many things that result in higher rates like getting speeding tickets and an unacceptable credit score can be remedied by improving your driving habits or financial responsibility.
  2. Request rate estimates from exclusive agents, independent agents, and direct providers. Direct companies and exclusive agencies can only give rate quotes from a single company like GEICO and State Farm, while agents who are independent can quote rates from multiple companies.
  3. Compare the new rate quotes to your existing policy to see if a cheaper rate is available. If you can save money, ensure there is no coverage lapse between policies.

One thing to remember is to try to use the same liability limits and deductibles on every price quote and and to analyze as many companies as feasibly possible. Doing this guarantees a fair price comparison and a complete selection of prices.

Finding the cheapest car insurance coverage in Dallas is actually quite simple. If you already have coverage, you stand a good chance to be able to buy cheaper car insurance using these tips. Smart buyers just need to use the most efficient way to buy car insurance on the web.

How to Lower Your Insurance Rates

One of the most helpful ways to save on car insurance is to to have a grasp of the factors that go into determining the level of your policy premiums. If you understand what positively or negatively impacts your premiums, this empowers consumers to make smart changes that will entitle you to lower premium levels.

Insurance rate breakdown

The price information displayed next covers a range of policy rates for Toyota Tacoma models. Learning a little about how policy rates are established can be valuable when making smart policy decisions.


Toyota Tacoma Insurance Rates in Dallas, TX
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Tacoma 2WD $208 $400 $382 $22 $114 $1,126 $94
Tacoma 4WD $240 $328 $382 $22 $114 $1,086 $91
Tacoma Double Cab 4WD $240 $400 $382 $22 $114 $1,158 $97
Tacoma X-Runner 2WD $240 $472 $382 $22 $114 $1,230 $103
Tacoma Double Cab 4WD $270 $400 $382 $22 $114 $1,188 $99
Tacoma Double Cab TRD Off-Road Package 4WD $270 $400 $382 $22 $114 $1,188 $99
Tacoma Double Cab TRD Sport Package 4WD $270 $400 $382 $22 $114 $1,188 $99
Get Your Own Custom Quote Go

Prices based on married male driver age 30, no speeding tickets, no at-fault accidents, $500 deductibles, and Texas minimum liability limits. Discounts applied include claim-free, safe-driver, multi-policy, multi-vehicle, and homeowner. Premium costs do not factor in Dallas location which can impact price quotes considerably.

Higher deductibles lower rates

One common question asked by Dallas drivers is where to set your physical damage deductibles. The figures shown below illustrate the costs and benefits between high and low deductibles. The first rate quote example uses a $100 deductible for comp and collision and the second rate table uses a $1,000 deductible.


Toyota Tacoma insurance premium rates with $100 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Tacoma 2WD $286 $592 $382 $22 $114 $1,421 $118
Tacoma 4WD $328 $486 $382 $22 $114 $1,357 $113
Tacoma Double Cab 4WD $328 $592 $382 $22 $114 $1,463 $122
Tacoma X-Runner 2WD $328 $698 $382 $22 $114 $1,569 $131
Tacoma Double Cab 4WD $370 $592 $382 $22 $114 $1,505 $125
Tacoma Double Cab TRD Off-Road Package 4WD $370 $592 $382 $22 $114 $1,505 $125
Tacoma Double Cab TRD Sport Package 4WD $370 $592 $382 $22 $114 $1,505 $125
Get Your Own Custom Quote Go

Toyota Tacoma insurance premium rates with $1,000 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Tacoma 2WD $158 $312 $382 $22 $114 $988 $82
Tacoma 4WD $182 $256 $382 $22 $114 $956 $80
Tacoma Double Cab 4WD $182 $312 $382 $22 $114 $1,012 $84
Tacoma X-Runner 2WD $182 $368 $382 $22 $114 $1,068 $89
Tacoma Double Cab 4WD $206 $312 $382 $22 $114 $1,036 $86
Tacoma Double Cab TRD Off-Road Package 4WD $206 $312 $382 $22 $114 $1,036 $86
Tacoma Double Cab TRD Sport Package 4WD $206 $312 $382 $22 $114 $1,036 $86
Get Your Own Custom Quote Go

Cost estimates assume married male driver age 30, no speeding tickets, no at-fault accidents, and Texas minimum liability limits. Discounts applied include claim-free, multi-vehicle, safe-driver, homeowner, and multi-policy. Rates do not factor in specific garaging location which can modify rates greatly.

We can estimate from the data above that using a $100 deductible would cost the average driver about $38 more each month or $456 every year than selecting the higher $1,000 deductible. Since you would pay $900 more to file a claim with a $1,000 deductible as compared to a $100 deductible, if you tend to have at least 24 months between claim filings, you would save more money if you choose a higher deductible.

The example below illustrates how choosing a deductible and can raise or lower Toyota Tacoma insurance costs for different age categories. Data assumes a married male driver, comp and collision included, and no discounts are taken into consideration.

Car insurance rates by age and gender in Dallas

The information below shows the difference between Toyota Tacoma yearly insurance costs for male and female drivers. The information is based on a clean driving record, no at-fault accidents, comprehensive and collision coverage, $1,000 deductibles, single marital status, and no additional discounts are factored in.

Should you buy full coverage?

The diagram below illustrates the comparison of Toyota Tacoma car insurance costs when comparing full coverage to state minimum liability only. Data assumes a clean driving record, no at-fault accidents, $500 deductibles, single status, and no other discounts are factored in.

Should you be buying full coverage?

There is no definitive guideline for phasing out comprehensive and collision coverage on your policy, but there is a guideline you can use. If the yearly cost of comp and collision coverage is more than 10% of the vehicle’s replacement cost less your deductible, then it might be time to buy liability only.

For example, let’s pretend your Toyota Tacoma replacement value is $9,000 and you have $1,000 deductibles. If your vehicle is totaled in an accident, the most you would receive is $8,000 after paying your policy deductible. If you are paying in excess of $800 a year for comprehensive and collision coverage, then you may need to consider dropping full coverage.

There are some cases where dropping full coverage is not in your best interest. If you haven’t satisfied your loan, you have to maintain full coverage to protect the lienholder’s interest in the vehicle. Also, if your finances do not allow you to purchase a different vehicle in case of an accident, you should keep full coverage.

Lower rates by qualifying for discounts

Car insurance is easily one of your largest bills, but discounts can save money and there are some available that you may not know about. Many discounts should be triggered when you complete an application, but some discounts are required to be manually applied before you will receive the discount.Cheaper car insurance with discounts

Keep in mind that many deductions do not apply the whole policy. Some only reduce specific coverage prices like medical payments or collision. Even though the math looks like you can get free auto insurance, it’s just not the way it works.

The chart below shows the comparison of Toyota Tacoma annual premium costs with and without policy discounts. The rate quotes are based on a female driver, no driving violations, no at-fault accidents, Texas 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 safe-driver, homeowner, multi-policy, multi-car, claim-free, and marriage discounts applied.

A list of car insurance companies and the discounts they provide include:

When comparing rates, check with each company or agent which credits you are entitled to. Some discounts listed above may not apply to policyholders everywhere.

Persistent drivers can save

As you go through the steps to switch your coverage, never buy lower coverage limits just to save a few bucks. There are a lot of situations where consumers will sacrifice full coverage only to regret that the small savings ended up costing them much more. The ultimate goal is to get the best coverage possible at the best price, but do not sacrifice coverage to save money.

Discount Toyota Tacoma insurance in Dallas can be sourced from both online companies in addition to many Dallas insurance agents, and you should be comparing both so you have a total pricing picture. Some insurance companies may not offer the ability to get quotes online and usually these regional carriers only sell coverage through independent agents.

Consumers change insurance companies for any number of reasons including extreme rates for teen drivers, lack of trust in their agent, not issuing a premium refund or denial of a claim. Regardless of your reason for switching companies, choosing a new company is easier than you think.

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