Compare Toyota Tacoma Insurance Quotes in Oakland

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Insurance for Toyota TacomaHave you finally had enough of being strong-armed to pay high car insurance rates every month? Your situation is no different than many other consumers in California.

It's easy to assume that auto insurance companies don't want policyholders to compare prices from other companies. Consumers who compare other rates are highly likely to buy a new policy because of the high probability of finding more affordable rates. A recent survey discovered that drivers who did price comparisons regularly saved on average $865 annually compared to policyholders who don't regularly compare prices.

If finding the most affordable insurance in Oakland is your target objective, then having a good understanding how to quote and compare coverages can make it easier for you to save money.

There is such a variety of insurers to pick from, and even though it's nice to have multiple companies, it can be more difficult to find a good deal for Toyota Tacoma insurance in Oakland.

Shopping around for more affordable coverage in Oakland is easy if you know what you're doing. In a nutshell, every person who has to buy auto insurance will most likely be able to lower their premiums. Although California drivers do need to understand how companies determine how much to charge and use it to your advantage.

The quickest method to compare insurance rates in your area takes advantage of the fact most larger insurance companies actually pay money for the chance to give free rates quotes. The only thing you need to do is provide details like whether you are married, if you have an active license, coverage limits, and how much education you have. Your insurance information gets transmitted to multiple top-rated companies and they return quotes immediately.

To find the cheapest car insurance rates, click here and complete the form.

The companies shown below offer price quotes in California. If you want to find cheaper auto insurance in Oakland, we suggest you get rate quotes from several of them to get a more complete price comparison.

Why you need insurance for your vehicle

Even though it's not necessarily cheap to insure a Toyota in Oakland, insurance serves a purpose in several ways.

  • The majority of states have mandatory liability insurance requirements which means state laws require specific minimum amounts of liability insurance in order to get the vehicle licensed. In California these limits are 15/30/5 which means you must have $15,000 of bodily injury coverage per person, $30,000 of bodily injury coverage per accident, and $5,000 of property damage coverage.
  • If you have a lien on your Toyota, most lenders will have a requirement that you carry insurance to ensure they get paid if you total the vehicle. If the policy lapses, the bank will be required to insure your Toyota for a lot more money and force you to pay for it.
  • Car insurance preserves not only your Toyota but also your financial assets. It will also reimburse you for medical bills for both you and anyone you injure as the result of an accident. One policy coverage, liability insurance, also pays expenses related to your legal defense if you are sued as the result of an accident. If damage is caused by hail or an accident, your car insurance policy will cover the damage repairs after a deductible is paid.

The benefits of buying enough insurance greatly outweigh the cost, particularly for liability claims. The average driver in California overpays more than $865 each year so we recommend shopping around at every policy renewal to save money.

Toyota Tacoma insurance coverage information

The coverage table displayed below covers detailed analysis of coverage costs for Toyota Tacoma models. Learning as much as possible about how prices are calculated can help customers make informed coverage decisions.

Toyota Tacoma Insurance Rates in Oakland, CA
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Tacoma 2WD $234 $454 $450 $26 $134 $1,298 $108
Tacoma 4WD $270 $374 $450 $26 $134 $1,254 $105
Tacoma Double Cab 4WD $270 $454 $450 $26 $134 $1,334 $111
Tacoma X-Runner 2WD $270 $536 $450 $26 $134 $1,416 $118
Tacoma Double Cab 4WD $304 $454 $450 $26 $134 $1,368 $114
Tacoma Double Cab TRD Off-Road Package 4WD $304 $454 $450 $26 $134 $1,368 $114
Tacoma Double Cab TRD Sport Package 4WD $304 $454 $450 $26 $134 $1,368 $114
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Prices based on married female driver age 30, no speeding tickets, no at-fault accidents, $500 deductibles, and California minimum liability limits. Discounts applied include multi-policy, claim-free, safe-driver, multi-vehicle, and homeowner. Information does not factor in your specific Oakland location which can lower or raise price quotes substantially.

Higher deductibles save money

One of the more difficult decisions when buying insurance is the level to set your comp and collision deductibles. The rates below approximate how much more you'll pay of buying low and high physical damage deductibles. The first rate table uses a $100 deductible and the second rate chart uses a $500 deductible.

Toyota Tacoma insurance prices with $100 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Tacoma 2WD $332 $686 $442 $26 $132 $1,643 $137
Tacoma 4WD $380 $564 $442 $26 $132 $1,569 $131
Tacoma Double Cab 4WD $380 $686 $442 $26 $132 $1,691 $141
Tacoma X-Runner 2WD $380 $810 $442 $26 $132 $1,815 $151
Tacoma Double Cab 4WD $430 $686 $442 $26 $132 $1,741 $145
Tacoma Double Cab TRD Off-Road Package 4WD $430 $686 $442 $26 $132 $1,741 $145
Tacoma Double Cab TRD Sport Package 4WD $430 $686 $442 $26 $132 $1,741 $145
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Toyota Tacoma insurance prices with $500 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Tacoma 2WD $242 $464 $442 $26 $132 $1,306 $109
Tacoma 4WD $278 $382 $442 $26 $132 $1,260 $105
Tacoma Double Cab 4WD $278 $464 $442 $26 $132 $1,342 $112
Tacoma X-Runner 2WD $278 $546 $442 $26 $132 $1,424 $119
Tacoma Double Cab 4WD $314 $464 $442 $26 $132 $1,378 $115
Tacoma Double Cab TRD Off-Road Package 4WD $314 $464 $442 $26 $132 $1,378 $115
Tacoma Double Cab TRD Sport Package 4WD $314 $464 $442 $26 $132 $1,378 $115
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Table data assumes married male driver age 30, no speeding tickets, no at-fault accidents, and California minimum liability limits. Discounts applied include multi-policy, claim-free, safe-driver, homeowner, and multi-vehicle. Information does not factor in specific zip code location which can revise coverage prices significantly.

Using the premium rates above, we can conclude that using a $100 deductible will cost you approximately $29 more each month or $348 every year averaged for all Tacoma models than buying the higher $500 deductible. Since you would pay $400 more to file a claim with a $500 deductible as compared to a $100 deductible, if you have more than 14 months between claims, you would probably save some money by going with a higher deductible.

The chart below shows how choosing a deductible and can influence Toyota Tacoma insurance premiums for different age groups. The premiums assume a married female driver, comp and collision included, and no policy discounts are applied.

Should you buy full coverage?

The chart below shows the comparison of Toyota Tacoma premium costs with full coverage compared to only the California minimum liability coverage. The premiums assume no accidents, no driving violations, $500 deductibles, marital status is single, and no discounts are factored in.

When to drop comprehensive and collision coverage

There is no exact rule for dropping comp and collision coverage, but there is a broad guideline. If the annual cost of coverage is more than about 10% of any settlement you would receive from your insurance company, then it's probably a good time to buy liability coverage only.

For example, let's assume your Toyota Tacoma book value is $8,000 and you have $1,000 deductibles. If your vehicle is totaled in an accident, the most you would get paid by your company is $7,000 after the policy deductible has been paid. If you are currently paying more than $700 a year for physical damage coverage, then it may be the right time to buy liability only.

There are some situations where dropping physical damage coverage is not a good plan. If you haven't paid off your loan, you have to maintain full coverage to protect the lienholder's interest. Also, if you cannot afford to purchase a different vehicle in the even your car is totaled, you should keep full coverage on your policy.

Reduce your insurance rates with discounts

Some providers don't always list the complete list of policy discounts in a way that's easy to find, so the list below gives a summary of both well-publicized in addition to some of the lesser obvious discounts that you may qualify for. If you're not getting every credit you qualify for, you may be paying too high a price.Insurance discounts

  • Braking Control Discount - Cars, trucks, and SUVs that have steering control and anti-lock brakes have fewer accidents and therefore earn up to a 10% discount.
  • Federal Employees - Simply working for the federal government could cut as much as 10% off with certain companies.
  • Claim-Free Discount - Insureds with no claims or accidents pay much less compared to policyholders that have many claims.
  • Student Driver Training - Require your teen driver to successfully take a driver's education course in high school.
  • Telematics Discount - Insureds that choose to allow companies to analyze driving habits by using a telematic data system like Allstate's Drivewise could save a few bucks if their driving habits are good.
  • Discounts for New Vehicles - Insuring a vehicle that is new can be considerably cheaper because newer models keep occupants safer.
  • Life Insurance Discount - Insurance companies who offer life insurance give a small discount if you purchase a life policy as well.
  • Drive Safe and Save - Drivers without accidents can get discounts for up to 45% lower rates as compared to drivers with claims.
  • Paperwork-free - A few larger online companies may give you up to $50 get Oakland auto insurance over the internet.

A quick disclaimer, some credits don't apply to your bottom line cost. A few only apply to specific coverage prices like liability, collision or medical payments. So even though they make it sound like all those discounts means the company will pay you, companies wouldn't make money that way. Any qualifying discounts will reduce your policy premium.

The example below shows the comparison of Toyota Tacoma insurance rates with and without discounts being applied to the rates. The prices are based on a female driver, no claims or driving violations, California state minimum liability limits, comprehensive and collision coverage, and $500 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with multi-policy, homeowner, multi-car, marriage, claim-free, and safe-driver discounts applied.

Insurance companies that may offer policyholders many of the previously listed discounts include:

Before buying, ask each insurance company which discounts they offer. All car insurance discounts may not apply to policyholders in every state. For a list of providers that can offer you the previously mentioned discounts in Oakland, follow this link.