The best way to get low-cost car insurance rates in Dallas is to compare quotes once a year from companies that sell auto insurance in Texas. Price quotes can be compared by completing these steps.
- It will benefit you to learn about how auto insurance works and the things you can control to keep rates in check. Many factors that cause high rates such as accidents, traffic violations, and a less-than-favorable credit rating can be remedied by making minor driving habit or lifestyle changes.
- Request rate estimates from direct carriers, independent agents, and exclusive agents. Exclusive and direct companies can give quotes from a single company like Progressive or Farmers Insurance, while independent agents can provide price quotes from many different companies. View rates
- Compare the price quotes to your current policy premium to determine if you can save on Tundra insurance. If you can save money, ensure there is no coverage lapse between policies.
A valuable tip to remember is to make sure you’re comparing the same physical damage deductibles and liability limits on each price quote and and to get rates from as many companies as feasibly possible. This enables the most accurate price comparison and a complete price analysis.
A recent NerdWallet.com study revealed that a large majority of drivers in Texas have bought car insurance from the same company for four years or more, and 38% of drivers have never compared car insurance rates at all. Drivers in America could save 46.5% a year just by comparing rates, but they just don’t understand how easy it is to go online and compare rates.
Compare Dallas Toyota Tundra insurance price quotes
The companies shown below are ready to provide free rate quotes in Texas. If multiple companies are shown, we suggest you visit several of them in order to get a fair rate comparison.
Get discounts to get affordable Dallas auto insurance quotes
Auto insurance is not cheap nor is it fun to buy but there’s a good chance there are discounts to help bring down the price. Certain discounts will be triggered automatically when you complete an application, but a few must be asked about prior to receiving the credit.
- Early Signing – Some insurance companies give discounts for switching to them before your current coverage expires. Ten percent is about the average savings.
- Discounts for Federal Employees – Simply working for the federal government may qualify for a discount when you quote Dallas auto insurance depending on your auto insurance provider.
- Telematics Devices – Drivers who elect to allow driving data collection to track driving manner by using a telematics device such as Progressive’s Snapshot might see lower rates as long as the data is positive.
- Driver Training Discounts – Successfully completing a class that teaches driver safety techniques is a good idea and can lower rates and also improve your driving technique.
- Driver’s Ed – Make teen driver coverage more affordable by requiring them to enroll and complete driver’s education in school or through a local driver safety program.
- Claim Free – Insureds who avoid accidents and claims are rewarded with significantly better rates on Dallas auto insurance quote as opposed to drivers with a long claim history.
We need to note that most discount credits are not given to all coverage premiums. Most cut the cost of specific coverages such as comprehensive or collision. So even though they make it sound like having all the discounts means you get insurance for free, you’re out of luck.
The information below visualizes the comparison of Toyota Tundra annual premium costs with and without discounts applied to the rates. Data assumes a male driver, no violations or accidents, Texas state minimum liability limits, full coverage, and $500 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with homeowner, marriage, safe-driver, multi-policy, claim-free, and multi-car discounts applied.
To view providers who offer online Toyota Tundra insurance quotes in Dallas, click this link.
Statistics and details
The table displayed below highlights estimates of coverage costs for Toyota Tundra models. Learning more about how policy premiums are figured can be useful when making smart choices when choosing a car insurance company.
|Model||Comp||Collision||Liability||Medical||UM/UIM||Annual Premium||Monthly Premium|
|Tundra Regular Cab 2WD||$152||$290||$560||$34||$168||$1,204||$100|
|Tundra SR/5 Double Cab 2WD||$174||$352||$560||$34||$168||$1,288||$107|
|Tundra SR/5 Crew Max 2WD||$174||$352||$560||$34||$168||$1,288||$107|
|Tundra Regular Cab 4WD||$198||$352||$560||$34||$168||$1,312||$109|
|Tundra Double Cab 4WD||$198||$352||$560||$34||$168||$1,312||$109|
|Tundra SR/5 Double Cab 4WD||$198||$352||$560||$34||$168||$1,312||$109|
|Tundra Limited Double Cab 2WD||$198||$416||$560||$34||$168||$1,376||$115|
|Tundra Limited Crew MAX 2WD||$198||$416||$560||$34||$168||$1,376||$115|
|Tundra Limited Crew MAX 4WD||$220||$416||$560||$34||$168||$1,398||$117|
|Tundra SR/5 Crew Max 4WD||$220||$416||$560||$34||$168||$1,398||$117|
|Get Your Own Custom Quote Go|
Table data represents single female driver age 40, no speeding tickets, no at-fault accidents, $1000 deductibles, and Texas minimum liability limits. Discounts applied include homeowner, multi-vehicle, safe-driver, claim-free, and multi-policy. Price information does not factor in vehicle location which can raise or lower premium rates substantially.
The illustration below illustrates how choosing a deductible and can affect Toyota Tundra annual premium costs for different age groups of insureds. The premium estimates are based on a single female driver, full physical damage coverage, and no discounts are applied to the premium.
Tickets and at-fault accidents raise rates
The illustration below shows how speeding tickets and at-fault collisions can raise Toyota Tundra yearly insurance costs for each different age category. The data assumes a single male driver, comp and collision included, $250 deductibles, and no other discounts are factored in.
Comparing prices from local Dallas car insurance agents
Certain consumers would prefer to visit with an insurance agent and doing that can be a smart decision Licensed agents are trained risk managers and help in the event of a claim. The biggest benefit of comparing rate quotes online is that you can find better rates and still buy from a local agent.
To help locate an agent, after submitting this simple form, the quote information is immediately sent to participating agents in Dallas that can give you free Dallas auto insurance quotes for your auto insurance coverage. It’s much easier because you don’t need to visit any agencies due to the fact that quote results will go to you instantly. If you wish to compare rates from a specific company, feel free to find their quoting web page and give them your coverage information.
Finding a good company should depend on more than just the price. Here are some questions you might want to ask.
- How much experience to they have in personal lines coverages?
- Do they have designations such as AIC, CPCU, or CIC?
- Do they make recommendations based only on price?
- What will you get paid if your car is a total loss? How is that amount determined?
- Can glass repairs be made at your home?
Best car insurance agent in Dallas
If you want to buy auto insurance from a reliable insurance agent, it’s important to understand the types of insurance agents and how they work. Auto insurance policy providers can be described as either independent agents or exclusive agents depending on their employer. Either type can provide auto insurance policies, but it’s worth learning how they differ because it can impact the type of agent you choose.
Exclusive agents write business for a single company and some examples include AAA, Allstate, State Farm, or Farmers Insurance. Exclusive agents cannot compare rates from other companies so keep that in mind. Exclusive agencies are well schooled on their company’s products and that allows them to sell at a higher price point.
Below is a list of exclusive agencies in Dallas that can give you price quote information.
Independent agencies are appointed with more than one company and that gives them the ability to insure through many different auto insurance companies and possibly get better coverage at lower prices. If you are not satisfied with one company, the agent simply finds a different carrier and the insured can keep the same agent.
When comparing auto insurance rates, we recommend you get insurance quotes from multiple independent agents to have the most options to choose from.
Shown below are independent agencies in Dallas that are able to give rate quotes.
Once you have received reasonable responses to your questions in addition to an acceptable price estimate, chances are good that you have found an auto insurance agent that is professional and can insure your vehicles.
It’s not one size fits all
When choosing your policy, there really isn’t a perfect coverage plan. Your financial needs are unique.
Here are some questions about coverages that might point out whether you could use an agent’s help.
- What if I owe more than I can insure my car for?
- I don’t drive much so do I pay less?
- When should I have rental car coverage?
- Is my custom paint covered by insurance?
- What if I don’t agree with a claim settlement offer?
- What is glass protection for?
If you’re not sure about those questions but you think they might apply to your situation then you might want to talk to a licensed agent. To find lower rates from a local agent, take a second and complete this form. It only takes a few minutes and you can get the answers you need.
Insurance coverage basics
Having a good grasp of your policy can help you determine the best coverages for your vehicles. The terms used in a policy can be ambiguous and coverage can change by endorsement.
Med pay and Personal Injury Protection (PIP)
Med pay and PIP coverage provide coverage for short-term medical expenses for things like dental work, rehabilitation expenses and prosthetic devices. They can be used to cover expenses not covered by your health insurance program or if there is no health insurance coverage. It covers you and your occupants and also covers being hit by a car walking across the street. Personal Injury Protection is not an option in every state but can be used in place of medical payments coverage
Liability car insurance
This coverage protects you from damage that occurs to people or other property by causing an accident. This insurance protects YOU from legal claims by others. Liability doesn’t cover damage sustained by your vehicle in an accident.
Liability coverage has three limits: bodily injury per person, bodily injury per accident and property damage. You commonly see limits of 30/60/25 that means you have $30,000 bodily injury coverage, $60,000 for the entire accident, and $25,000 of coverage for damaged property.
Liability coverage pays for things such as funeral expenses, emergency aid and repair bills for other people’s vehicles. The amount of liability coverage you purchase is up to you, but consider buying as high a limit as you can afford. Texas state law requires minimum liability limits of 30/60/25 but it’s recommended drivers buy better liability coverage.
The next chart demonstrates why minimum state limits may not provide adequate coverage.
This coverage will pay to fix damage to your Tundra from colliding with another vehicle or an object, but not an animal. You first must pay a deductible then your collision coverage will kick in.
Collision insurance covers claims such as scraping a guard rail, hitting a mailbox, driving through your garage door and crashing into a ditch. Collision coverage makes up a good portion of your premium, so consider removing coverage from older vehicles. Drivers also have the option to increase the deductible on your Tundra in order to get cheaper collision rates.
This coverage covers damage caused by mother nature, theft, vandalism and other events. A deductible will apply then the remaining damage will be covered by your comprehensive coverage.
Comprehensive can pay for things such as hitting a bird, rock chips in glass, fire damage, damage from a tornado or hurricane and hail damage. The highest amount you can receive from a comprehensive claim is the actual cash value, so if your deductible is as high as the vehicle’s value consider dropping full coverage.
Uninsured/Underinsured Motorist (UM/UIM)
Your UM/UIM coverage protects you and your vehicle when other motorists do not carry enough liability coverage. Covered claims include hospital bills for your injuries as well as your vehicle’s damage.
Because many people carry very low liability coverage limits (Texas limits are 30/60/25), their liability coverage can quickly be exhausted. This is the reason having UM/UIM coverage is important protection for you and your family.
Find cheap rates by comparing often
Insureds who switch companies do it for a number of reasons such as being labeled a high risk driver, poor customer service, denial of a claim or questionable increases in premium. Regardless of your reason for switching companies, finding a great new company is not as hard as you think.
When you buy Dallas auto insurance online, it’s not a good idea to reduce needed coverages to save money. In many cases, someone sacrificed uninsured motorist or liability limits only to regret that their decision to reduce coverage ended up costing them more. Your strategy should be to find the BEST coverage for the lowest cost while still protecting your assets.
Budget-conscious Toyota Tundra insurance can be found both online and also from your neighborhood Dallas agents, and you should be comparing both to have the best selection. There are still a few companies who do not offer online quoting and many times these regional carriers prefer to sell through independent agents.
To learn more, feel free to browse the resources below:
- Car Insurance: When not to Skimp (BankRate.com)
- How Much is Car Insurance for Uninsured Drivers in Dallas? (FAQ)
- How Much are Dallas Auto Insurance Quotes for Ride Shares? (FAQ)
- Front crash protection reduces rear-end crashes (Insurance Institute for Highway Safety)
- Help Your Teen Be a Better Driver (State Farm)
- Winter Driving (Insurance Information Institute)