No normal person loves paying for auto insurance, particularly when their premiums are through the roof.
Sadly, nearly 70% of consumers have bought auto insurance from the same company for well over three years, and practically 40% of auto insurance customers have never compared auto insurance rates at all. Colorado drivers could save nearly 35% each year, but they think it's difficult to compare rate quotes.
How to find affordable quotes for Toyota Tundra insurance in Aurora
If saving the most money is your goal, then the best way to get more affordable auto insurance rates in Aurora is to start doing a yearly price comparison from providers in Colorado. This can be done by following these guidelines.
First, try to learn about the coverage provided by your policy and the changes you can make to drop your rates. Many rating criteria that increase rates such as traffic violations, accidents, and a lousy credit rating can be controlled by improving your driving habits or financial responsibility.
Second, compare rates from exclusive agents, independent agents, and direct providers. Exclusive and direct companies can only give rate quotes from a single company like GEICO or Farmers Insurance, while independent agencies can provide price quotes from multiple companies.
Third, compare the price quotes to your existing rates and determine if cheaper Tundra coverage is available in Aurora. If you find better rates and switch companies, make sure there is no lapse in coverage.
Fourth, notify your company or agent of your decision to cancel your current policy and submit a signed application and payment to your new agent or company. Once coverage is bound, place your new certificate verifying coverage in an easily accessible location.
One important bit of advice is to try to compare the same deductibles and limits on each quote request and and to analyze as many auto insurance providers as possible. This ensures a fair rate comparison and a complete price analysis.
Multiple insurers compete for your insurance dollar, so it's not easy to compare every provider to find the absolute lowest rate on Toyota Tundra insurance in Aurora.
If you already have coverage or just want cheaper rates, you can use these tips to reduce the price you pay without having to cut coverage. Locating the best rates in Aurora is not that difficult as long as you know where to start. Smart buyers just have to use the most effective way to compare different rates from many different companies online.
Companies offering Toyota Tundra insurance in Aurora
The auto insurance companies shown below have been selected to offer comparison quotes in Aurora, CO. In order to find cheap auto insurance in Colorado, it's highly recommended you compare several of them to find the lowest auto insurance rates.
Insurance coverage details
The rate table shown next outlines estimates of insurance rates for Toyota Tundra models. Having a better idea how rate quotes are figured helps drivers make smart choices when selecting a coverage provider.
|Model||Comp||Collision||Liability||Medical||UM/UIM||Annual Premium||Monthly Premium|
|Tundra Regular Cab 2WD||$228||$424||$516||$30||$154||$1,352||$113|
|Tundra SR/5 Double Cab 2WD||$260||$516||$516||$30||$154||$1,476||$123|
|Tundra SR/5 Crew Max 2WD||$260||$516||$516||$30||$154||$1,476||$123|
|Tundra Regular Cab 4WD||$294||$516||$516||$30||$154||$1,510||$126|
|Tundra Double Cab 4WD||$294||$516||$516||$30||$154||$1,510||$126|
|Tundra SR/5 Double Cab 4WD||$294||$516||$516||$30||$154||$1,510||$126|
|Tundra Limited Double Cab 2WD||$294||$608||$516||$30||$154||$1,602||$134|
|Tundra Limited Crew MAX 2WD||$294||$608||$516||$30||$154||$1,602||$134|
|Tundra Limited Crew MAX 4WD||$328||$608||$516||$30||$154||$1,636||$136|
|Tundra SR/5 Crew Max 4WD||$328||$608||$516||$30||$154||$1,636||$136|
|Get Your Own Custom Quote Go|
Data rating is based on single female driver age 40, no speeding tickets, no at-fault accidents, $250 deductibles, and Colorado minimum liability limits. Discounts applied include homeowner, claim-free, safe-driver, multi-policy, and multi-vehicle. Estimates do not factor in vehicle garaging location which can impact coverage rates substantially.
The diagram below demonstrates how deductibles and can influence Toyota Tundra premium costs for each age group. The costs are based on a single male driver, comprehensive and collision coverage, and no other discounts are factored in.
Does it make sense to buy full coverage?
The diagram below illustrates the difference between Toyota Tundra premium costs with full physical damage coverage compared to only buying liability only. The premium estimates are based on no violations or accidents, $1,000 deductibles, drivers are not married, and no discounts are factored in.
When to drop full coverage
There is no clear-cut formula that works best for making the decision to drop physical damage coverage, but there is a general convention. If the annual cost of coverage is more than around 10% of the replacement cost minus the deductible, then you might want to think about dropping full coverage.
For example, let's pretend your Toyota Tundra settlement value is $7,000 and you have $1,000 full coverage deductibles. If your vehicle is destroyed, the most you would receive is $6,000 after the deductible is paid. If you are paying more than $600 a year for your policy with full coverage, then it could be time to drop full coverage.
There are a few cases where eliminating full coverage is not advised. If you still have a lienholder on your title, you must maintain physical damage coverage to protect the lienholder's interest. Also, if your finances do not allow you to purchase a different vehicle in the even your car is totaled, you should not opt for liability only.
These discounts can slash Toyota Tundra insurance rates
Some providers don't necessarily list the entire discount list in a way that's easy to find, so the following is a list of both the well known and the harder-to-find credits available to bring down your rates.
- Defensive Driver Discount - Participating in a course that instructs on driving safety can save you 5% or more depending on where you live.
- Early Switch Discount - Some car insurance companies provide a discount for switching policies prior to your current Tundra insurance policy expiration. It could save around 10% when you buy Aurora auto insurance online.
- Own a Home and Save - Owning a home in Aurora can earn you a little savings because it requires personal responsibility.
- Student Driver Training - Reduce the cost of insurance for teen drivers by having them participate in a local driver's education class in school.
- Organization Discounts - Having an affiliation with specific professional or occupational memberships or organizations is a good way to get lower rates on your next renewal.
- Senior Citizen Rates - Mature drivers could receive lower premium rates.
Remember that most discounts do not apply to the overall cost of the policy. Most only cut the price of certain insurance coverages like liability, collision or medical payments. So despite the fact that it appears adding up those discounts means a free policy, that's just not realistic.
The illustration below illustrates the difference between Toyota Tundra insurance rates with and without discounts being applied to the rates. The data is based on a male driver, no claims or violations, Colorado 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 claim-free, multi-car, marriage, safe-driver, multi-policy, and homeowner discounts applied.
Some of the larger companies that may offer quotes with most of these discounts include:
Before purchasing a policy, check with each insurance company which discounts you qualify for. All car insurance discounts may not apply to policies everywhere. To view providers who offer cheap Toyota Tundra insurance quotes in Aurora, click here to view.
Smart Consumers Can Reduce Insurance Rates
Many factors are considered when premium rates are determined. Most are fairly basic like a motor vehicle report, although others are not as apparent such as your marital status and annual miles driven.
Listed below are some of the items used by insurance companies to determine prices.
Having a spouse is a good thing - Having a wife or husband helps lower the price when shopping for car insurance. It means you're more mature and responsible and statistics prove married drivers tend to file fewer claims.
Vehicles with better crash test results cost less to insure - Safe vehicles get lower rates. Safe vehicles have better occupant injury protection and reduced instances of injuries translates into fewer and smaller insurance claims and more competitive rates for policyholders. If your Toyota Tundra has ratings of a minimum an "acceptable" rating on the Insurance Institute for Highway Safety website you may qualify for a discount.
Lower car insurance rates with alarm systems - Choosing a vehicle with a theft deterrent system can get you a discount on your car insurance. Anti-theft devices such as vehicle immobilizer systems, OnStar, and tracking devices like LoJack all help stop auto theft.
Gender is a factor - The statistics show that women are safer drivers than men. However, this does not mean females are better at driving than males. Both sexes cause at-fault accidents in similar percentages, but the male of the species tend to have more serious accidents. Men also tend to get ticketed for serious violations such as driving while intoxicated (DWI) or driving recklessly.
The example below shows the comparison of Toyota Tundra insurance costs for male and female drivers. The data is based on no violations or accidents, full physical damage coverage, $100 deductibles, drivers are not married, and no other discounts are factored in.
Extra policy coverages could be costing you - There are many extra add-on coverages that sound like a good idea at the time when buying car insurance. Things like vanishing deductibles, accidental death, and membership fees are some examples. These may sound like a good investment at first, but if you have no use for them remove them and pocket the money.
Do you have enough liability insurance? - Liability coverage is the protection if ever you are responsible for causing personal injury or damage in an accident. Your policy's liability insurance provides you with a defense in court which can cost thousands of dollars. This coverage is very inexpensive when compared with rates for comp and collision, so drivers should make sure they buy enough to cover all assets.
Bundling policies can get discounts - The majority of car insurance companies apply a discount to customers that buy multiple policies in the form of a multi-policy discount. Even if you qualify for this discount already, it's always a smart idea to compare other company rates to ensure the best deal. Consumers may find better rates by buying insurance from more than one company.
High comp and collision deductibles reduce costs - Comprehensive and collision coverage deductibles define how much you are required to spend if a claim is determined to be covered. Physical damage coverage, also known as collision and other-than-collision, insures against damage to your car. Examples of some claims that would be covered would be colliding with a stationary object, collision with a deer, or theft of your vehicle. The more expense the insured is willing to pay, the less your car insurance will be.
Insurance loss probability for a Toyota Tundra - Insurance companies analyze past claim statistics to help determine the rate you pay. Models that tend to have higher losses will have a higher cost to insure.
The next table shows the insurance loss data used by companies for Toyota Tundra vehicles. For each coverage category, the loss probability for all vehicles combined as an average is represented as 100. Numbers below 100 indicate a favorable loss history, while values over 100 indicate higher probability of having a loss or an increased chance of larger losses than average.
|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
When to get advice from a local insurance agent
A lot of people still prefer to talk to a local agent and that is a smart decision Insurance agents can help you build your policy and help submit paperwork. The best thing about price shopping on the web is that you can obtain cheaper rates and still choose a local agent.
After completing this simple form, the coverage information is sent to participating agents in Aurora who can give free rate quotes for your coverage. It makes it easy because there is no need to visit any agencies due to the fact that quote results will go immediately to you. If you have a need to get a comparison quote from a particular provider, you would need to search and find their rate quote page and submit a quote form there.
Selecting a provider shouldn't rely on just a cheap price. Any agent in Aurora should be willing to answer these questions.
- Who is covered by the car insurance policy?
- Do the agents have professional certifications like CPCU or CIC?
- Do they get paid more for recommending certain coverages?
- Do they feel the quoted coverages are adequate?
- Are they giving you every discount you deserve?
- Which insurance company do they prefer to write with?
- What is the financial rating for the quoted company?
If you need to find a reputable agency, it's helpful to know the types of insurance agents and how they can quote your rates. Agents in Aurora may be either independent agents or exclusive agents. Both write policy coverage, but it is a good idea to know the difference in the companies they write for since it could factor into buying decisions.
Agents in the exclusive channel have only one company to place business with and some examples include State Farm, AAA, Farmers Insurance or Allstate. They are unable to provide rate quotes from other companies so always compare other rates. They receive a lot of sales training on their products and sales techniques which helps offset the inability to provide other markets.
Listed below are exclusive agents in Aurora that are able to give rate quotes.
Stan Kellogg - State Farm Insurance Agent
15434 E Orchard Rd - Aurora, CO 80016 - (303) 699-2288 - View Map
Independent Auto Insurance Agents
Independent agencies are normally appointed by many insurers so they can write business with any number of different companies and help determine which has the cheapest rates. To transfer your coverage to a different company, they can switch companies in-house and you can keep the same agent.
When shopping rates, you will definitely want to include a couple of independent agencies for maximum quote selection.
Listed below are independent agents in Aurora that are able to give rate quotes.
A Complete Auto Insurance Agency
543 Sable Blvd - Aurora, CO 80011 - (303) 650-0060 - View Map
If you get reasonable responses for all questions you ask as well as inexpensive Toyota Tundra insurance in Aurora quotes, you may have just found a car insurance agent that meets the criteria to service your policy. But remember, once you purchase a policy you can cancel coverage when you choose so never feel that you are obligated to a specific agent indefinitely.
What is the best auto insurance company in Colorado?
Selecting a good quality car insurance provider can be difficult considering how many companies there are to choose from in Aurora. The information listed below could help you analyze which companies to look at when comparing rate quotes.
Top 10 Aurora Car Insurance Companies Ranked by Claims Service
- State Farm
- AAA Insurance
- Liberty Mutual
- Titan Insurance
- The Hartford
- The General
Top 10 Aurora Car Insurance Companies Ranked by Customer Service
- State Farm
- The Hartford
- The General
- AAA Insurance
- American Family
Be persistent and save
When getting Aurora auto insurance quotes online, never buy less coverage just to save a little money. Too many times, an insured dropped full coverage and found out when filing a claim that it was a big error on their part. The aim is to buy a smart amount of coverage at a price you can afford while still protecting your assets.
In this article, we presented a lot of ways to shop for Toyota Tundra insurance online. The key concept to understand is the more companies you get premium rates for, the better your comparison will be. Consumers may even find the lowest car insurance rates come from a smaller regional carrier. Some small companies may have significantly lower premium rates on certain market segments compared to the large companies like Progressive or GEICO.
Cheaper Toyota Tundra insurance in Aurora is definitely available online and from local insurance agents, so you need to quote Aurora auto insurance with both to have the best rate selection. Some insurance companies don't offer rate quotes online and these regional carriers sell through independent insurance agents.
How to find discount Toyota Tundra insurance in Aurora
The preferred way to get discount Toyota Tundra insurance in Aurora is to start comparing prices regularly from insurance carriers who sell auto insurance in Colorado. Prices can be compared by completing these steps.
- Spend some time learning about individual coverages and the factors you can control to keep rates in check. Many risk factors that result in higher prices like accidents, traffic tickets, and a negative credit score can be eliminated by being financially responsible and driving safely.
- Request rate estimates from direct, independent, and exclusive agents. Exclusive and direct companies can only give prices from one company like GEICO or State Farm, while independent agents can quote rates for a wide range of insurance providers. View insurance agents
- Compare the new rates to your existing coverage and see if there is a cheaper rate in Aurora. If you find a lower rate and buy the policy, make sure there is no lapse in coverage.
One piece of advice is to use the same amount of coverage on each price quote and and to get rates from every company you can. This ensures a level playing field and plenty of rates choose from.
Additional detailed information can be found by following these links:
- Side Impact Crash Tests (iihs.org)
- Who Has Cheap Auto Insurance for a 20 Year Old Male in Aurora? (FAQ)
- How Much are Aurora Auto Insurance Rates for a Learners Permit? (FAQ)
- Coverage Information (Progressive Insurance)
- Things to Know Before you Cancel Insurance (Allstate)