Having to pay for high-priced insurance in Irvine can take a big chunk out of your family’s budget and require stricter spending habits. Doing a price comparison is a fast and free way to make sure you’re not throwing money away.
A recent insurance study discovered that most insurance customers have stayed with the same insurance company for four years or more, and practically 40% of insurance customers have never shopped around. California drivers can save hundreds of dollars each year just by getting comparison quotes, but most tend to underestimate how much they could save if they changed companies.
How to find affordable Toyota Tundra insurance in Irvine
If you want to save the most money, the best way to get more affordable auto insurance rates is to start doing an annual price comparison from providers that insure vehicles in Irvine.
- Try to learn a little about how insurance companies determine prices and the changes you can make to lower rates. Many rating criteria that result in higher prices like tickets, at-fault accidents, and a negative credit score can be remedied by making lifestyle changes or driving safer.
- Get rate quotes from independent agents, exclusive agents, and direct companies. Exclusive agents and direct companies can give quotes from a single company like GEICO and State Farm, while agents who are independent can provide price quotes for many different companies. Compare rates
- Compare the new rate quotes to your current policy premium to determine if switching companies saves money. If you can save money and decide to switch, make sure the effective date of the new policy is the same as the expiration date of the old one.
- Provide written notification to your current company to cancel your current coverage and submit the signed application along with the required initial payment for your new policy. As soon as you can, put the certificate verifying proof of insurance with your registration paperwork.
An important part of this process is that you use identical limits and deductibles on each quote request and and to analyze as many companies as possible. This provides the most accurate price comparison and a good representation of prices.
With people having so many insurance providers from which to choose, it’s nearly impossible to find the right insurer.
It’s smart to do rate comparisons at least once a year due to the fact that insurance prices are rarely the same from one policy term to another. Despite the fact that you may have had the lowest quotes on Toyota Tundra insurance in Irvine a couple years back you can probably find a lower rate today. Block out anything you think you know about insurance because we’re going to show you the only way to find better rates and still maintain coverage.
Cheaper Toyota Tundra insurance in Irvine
Insurance can be pricey, but you might find some hidden discounts that many people don’t even know exist. Certain discounts will be applied at the time of purchase, but a few need to be asked about prior to getting the savings. If you are not receiving all the discounts you qualify for, you may be paying too high a price.
- Professional Organizations – Having an affiliation with qualifying clubs or civic groups may earn a discount on your bill.
- Federal Employees – Having worked for a branch of the government could cut as much as 10% off with some insurance companies.
- Multi-car Discount – Buying coverage for multiple cars or trucks on one policy can reduce rates for all insured vehicles.
- Sign Early and Save – Select insurance companies give a discount for switching companies before your current expiration date. This can save 10% or more.
- Responsible Drivers – Drivers who don’t get into accidents can get discounts for up to 45% lower rates compared to accident prone drivers.
Remember that most credits do not apply to all coverage premiums. Most only reduce specific coverage prices like liability, collision or medical payments. So even though it sounds like having all the discounts means you get insurance for free, you’re out of luck. But all discounts will positively reduce your premiums.
The diagram below visualizes the comparison of Toyota Tundra insurance prices with and without discounts applied to the premium. The prices are based on a female driver, no tickets, no at-fault accidents, California state minimum liability limits, comprehensive and collision coverage, and $1,000 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with homeowner, safe-driver, multi-policy, multi-car, marriage, and claim-free discounts applied.
Companies and some of their more popular discounts are outlined below.
- GEICO offers premium reductions for multi-policy, anti-lock brakes, emergency military deployment, good student, and membership and employees.
- Travelers discounts include multi-policy, new car, early quote, hybrid/electric vehicle, and multi-car.
- Farm Bureau offers discounts for driver training, 55 and retired, multi-policy, youthful driver, safe driver, renewal discount, and multi-vehicle.
- Liberty Mutual has discounts for new move discount, multi-policy, safety features, good student, newly married, and preferred payment discount.
- American Family includes discounts for good driver, accident-free, TimeAway discount, early bird, and mySafetyValet.
- Progressive has savings for online signing, homeowner, multi-policy, good student, and online quote discount.
Before buying, ask each company what discounts are available to you. Some of the earlier mentioned discounts may not be offered in Irvine. To see providers that offer discounts in California, click here.
Just keep in mind that more quotes will improve the odds of getting better pricing.
The auto insurance companies shown below offer free quotes in California. If your goal is to find the best car insurance in CA, we suggest you click on several of them to get the lowest price.
Rates and other information
The data table shown below showcases a range of rate quotes for Toyota Tundra models. Being able to understand how insurance prices are established is important for drivers to make smart choices when comparing insurance quotes.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Tundra Regular Cab 2WD | $142 | $246 | $470 | $28 | $140 | $1,026 | $86 |
| Tundra SR/5 Double Cab 2WD | $162 | $300 | $470 | $28 | $140 | $1,100 | $92 |
| Tundra SR/5 Crew Max 2WD | $162 | $300 | $470 | $28 | $140 | $1,100 | $92 |
| Tundra Regular Cab 4WD | $184 | $300 | $470 | $28 | $140 | $1,122 | $94 |
| Tundra Double Cab 4WD | $184 | $300 | $470 | $28 | $140 | $1,122 | $94 |
| Tundra SR/5 Double Cab 4WD | $184 | $300 | $470 | $28 | $140 | $1,122 | $94 |
| Tundra Limited Double Cab 2WD | $184 | $354 | $470 | $28 | $140 | $1,176 | $98 |
| Tundra Limited Crew MAX 2WD | $184 | $354 | $470 | $28 | $140 | $1,176 | $98 |
| Tundra Limited Crew MAX 4WD | $204 | $354 | $470 | $28 | $140 | $1,196 | $100 |
| Tundra SR/5 Crew Max 4WD | $204 | $354 | $470 | $28 | $140 | $1,196 | $100 |
| Get Your Own Custom Quote Go | |||||||
Price data assumes married female driver age 50, no speeding tickets, no at-fault accidents, $1000 deductibles, and California minimum liability limits. Discounts applied include safe-driver, claim-free, multi-vehicle, homeowner, and multi-policy. Premium amounts do not factor in the specific area where the vehicle is garaged which can affect coverage rates considerably.
The example below highlights how deductible choice and can impact Toyota Tundra annual premium costs for different age categories. The rate quotes are based on a married male driver, comprehensive and collision coverage, and no discounts are factored in.
Rate increases following a ticket or accident
The diagram below shows how speeding tickets and fender-benders can influence Toyota Tundra insurance costs for each different age group. The data assumes a single female driver, comprehensive and collision coverage, $100 deductibles, and no discounts are applied to the premium.
Male drivers versus female drivers
The chart below compares Toyota Tundra insurance premiums for male and female drivers. The rate quotes are based on no claims or driving violations, full physical damage coverage, $100 deductibles, single marital status, and no discounts are factored in.
Neighborhood Irvine auto insurance agents
Some people would prefer to sit down with an agent and often times that is recommended A nice benefit of comparing insurance prices online is you may find lower auto insurance rates and still have an agent to talk to.
After completing this simple form, your information is immediately sent to companies in Irvine who will give you bids and help you find cheaper coverage. There is no need to search for any insurance agencies since price quotes are sent immediately to you. You can get cheaper car insurance rates without the usual hassles of price shopping. If you need to compare rates from one company in particular, just navigate to their website and complete a quote there.
Picking the best company is decision based upon more than just a cheap price. Any good agent in Irvine should know the answers to these questions.
- Do they specialize in personal lines auto insurance in Irvine?
- Are they in the agency full-time?
- How are claims handled?
- How many companies do they write for?
- Does the company have a local claim office in Irvine?
- Will the quote change when the policy is issued?
Best auto insurance agent in Irvine
If you want a good insurance agency, there are two different types of agents and how they operate. Insurance agencies in Irvine are either independent (non-exclusive) or exclusive.
Exclusive Insurance Agents
These agents normally can only provide a single company’s rates and examples are Farmers Insurance, State Farm, Allstate, and AAA. Exclusive agencies are unable to place coverage with different providers so keep that in mind. Exclusive agents are usually quite knowledgeable in insurance sales which can be an advantage.
The following is a list of exclusive insurance agencies in Irvine who may provide you with rate quotes.
Ken LaTourette – State Farm Insurance Agent
1032 Irvine Blvd – Tustin, CA 92780 – (714) 544-3779 – View Map
Rebecca Higgs – State Farm Insurance Agent
5410 Trabuco Rd #100 – Irvine, CA 92620 – (949) 726-9015 – View Map
Allstate Insurance: Jeff Adams
4860 Irvine Blvd Ste 206 – Irvine, CA 92620 – (714) 505-2457 – View Map
Independent Insurance Agents
These agents can quote rates with many companies and that gives them the ability to insure with lots of companies depending on which coverage is best. If your premiums go up, they can switch companies in-house and that require little work on your part.
When comparing car insurance rates, you will want to get quotes from several independent insurance agents so that you have a good selection of quotes to compare.
Below are Irvine independent insurance agents that are able to give comparison quotes.
Peter Green Insurance Agency LLC
3151 Airway Ave Suite F203 – Costa Mesa, CA 92626 – (714) 258-2800 – View Map
Sentry Insurance – Irvine
16815 Von Karman Ave #200 – Irvine, CA 92606 – (949) 930-6100 – View Map
Journey Insurance
9541 Irvine Center Dr – Irvine, CA 92618 – (888) 323-7480 – View Map
Car insurance policy coverages for a Toyota Tundra
Understanding the coverages of your policy aids in choosing the best coverages and proper limits and deductibles. Policy terminology can be confusing and reading a policy is terribly boring. Below you’ll find the normal coverages available from car insurance companies.
Coverage for medical payments
Med pay and PIP coverage pay for immediate expenses like X-ray expenses, chiropractic care, ambulance fees and hospital visits. The coverages can be used to fill the gap from your health insurance plan or if there is no health insurance coverage. Coverage applies to not only the driver but also the vehicle occupants in addition to if you are hit as a while walking down the street. PIP coverage is not available in all states but can be used in place of medical payments coverage
Uninsured and underinsured coverage
This protects you and your vehicle’s occupants from other motorists when they either are underinsured or have no liability coverage at all. It can pay for hospital bills for your injuries and also any damage incurred to your Toyota Tundra.
Since a lot of drivers have only the minimum liability required by law (which is 15/30/5), it only takes a small accident to exceed their coverage. This is the reason having UM/UIM coverage is important protection for you and your family.
Auto liability insurance
This protects you from damage that occurs to a person or their property. Coverage consists of three different limits, bodily injury per person, bodily injury per accident and property damage. You might see policy limits of 15/30/5 that translate to a $15,000 limit per person for injuries, a total of $30,000 of bodily injury coverage per accident, and a limit of $5,000 paid for damaged property.
Liability insurance covers claims like medical services, medical expenses, loss of income and court costs. How much coverage you buy is up to you, but consider buying higher limits if possible. California requires minimum liability limits of 15/30/5 but you should think about purchasing higher limits.
The illustration below demonstrates why low liability limits may not be enough coverage.
Comprehensive coverages
Comprehensive insurance will pay to fix damage from a wide range of events other than collision. A deductible will apply and then insurance will cover the rest of the damage.
Comprehensive coverage protects against claims such as theft, hail damage and fire damage. The maximum payout a car insurance company will pay at claim time is the market value of your vehicle, so if the vehicle’s value is low it’s probably time to drop comprehensive insurance.
Collision protection
This covers damage to your Tundra from colliding with an object or car. A deductible applies then the remaining damage will be paid by your insurance company.
Collision coverage protects against claims such as sustaining damage from a pot hole, driving through your garage door and hitting a parking meter. Collision coverage makes up a good portion of your premium, so consider dropping it from vehicles that are 8 years or older. Drivers also have the option to bump up the deductible on your Tundra to bring the cost down.
More quotes mean more auto insurance savings
When getting Irvine car insurance quotes online, you should never reduce coverage to reduce premium. There are too many instances where someone dropped liability coverage limits and learned later that the small savings ended up costing them much more. Your objective should be to buy the best coverage you can find at the best possible price, but do not skimp to save money.
More affordable auto insurance in Irvine is available on the web as well as from independent agents in Irvine, so you should compare both to have the best rate selection. Some auto insurance companies do not offer internet price quotes and most of the time these smaller companies sell through independent agents.
How to find more affordable Toyota Tundra insurance in Irvine
If you want to find the absolute lowest rates, then the best way to find cheaper prices for car insurance rates is to compare prices regularly from insurers who sell auto insurance in Irvine. This can be done by following these steps.
Step 1: Take a few minutes and learn about policy coverages and the changes you can make to prevent expensive coverage. Many rating factors that drive up the price such as traffic citations, accidents, and poor credit can be controlled by making minor changes in your lifestyle.
Step 2: Request rate estimates from exclusive agents, independent agents, and direct providers. Direct companies and exclusive agencies can only give prices from a single company like Progressive or Farmers Insurance, while independent agencies can quote prices from multiple sources. Find an Irvine insurance agent
Step 3: Compare the price quotes to the premium of your current policy to see if you can save by switching companies. If you find a lower rate quote, make sure there is no lapse in coverage.
Step 4: Provide notification to your current company to cancel your current car insurance policy and submit a completed application and payment to the new company. Immediately upon receiving it, keep your new proof of insurance paperwork with the vehicle registration.
One thing to point out is to make sure you’re comparing identical coverage information on every price quote and to quote with every insurance company. This ensures a level playing field and a thorough price selection.
For more information, feel free to visit the following helpful articles:
- Five Mistakes to Avoid (Insurance Information Institute)
- Who Has Cheap Auto Insurance Rates for a Company Car in Irvine? (FAQ)
- Who Has Cheap Auto Insurance for 4×4 Vehicles in Irvine? (FAQ)
- Who Has the Cheapest Irvine Auto Insurance Quotes for a Honda Civic? (FAQ)
- Teen Driving and Texting (State Farm)
- Liability Insurance Coverage (Nationwide)