Toyota Tundra Insurance Rates in Fort Wayne

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Toyota Tundra insurance cost
Toyota Tundra insurance cost image courtesy of QuoteInspector.com

Discount Toyota Tundra insuranceIf you want to find the absolute lowest rates, then the best way to get low-cost Toyota Tundra insurance is to regularly compare price quotes from insurers who provide car insurance in Fort Wayne.

Step 1: Gain an understanding of how insurance works and the measures you can take to prevent rate increases. Many factors that increase rates like at-fault accidents, speeding tickets, and a not-so-good credit history can be eliminated by making lifestyle changes or driving safer. Later in this article we will cover instructions to lower rates and find hidden discounts.

Step 2: Request price quotes from exclusive agents, independent agents, and direct providers. Exclusive and direct companies can only give prices from a single company like Progressive or Allstate, while independent agencies can provide prices for many different companies. Compare rates

Step 3: Compare the quotes to your existing coverage to see if you can save by switching companies. If you find a lower rate quote and make a switch, make sure there is no lapse in coverage.

Step 4: Give proper notification to your current agent or company of your intent to cancel your current auto insurance policy and submit the signed application along with the required initial payment to your new insurance company. Be sure to place the new certificate verifying coverage in your vehicle.

The key aspect of shopping around is that you'll want to compare the same deductibles and limits on each quote request and and to look at as many different insurance providers as possible. Doing this guarantees an accurate price comparison and a thorough selection of prices.

It goes without saying that insurance companies don't want policyholders to compare prices from other companies. Insureds who perform rate comparisons will, in all likelihood, switch companies because they have good chances of finding more affordable rates. A recent survey revealed that drivers who did price comparisons regularly saved $3,450 over four years compared to other drivers who didn't regularly shop around.

If finding the best rates on auto insurance in Fort Wayne is the reason for your visit, then having some insight into how to quote and compare coverage rates can make it easier to find better rates.

Take policy discounts and save on Toyota Tundra insurance in Fort Wayne

Companies offering auto insurance do not list every available discount very well, so we researched some of the more common as well as some of the hidden credits available to bring down your rates.

  • Multiple Policy Discount - If you can combine your auto and home policy with one company you may earn up to 20% and get you cheap Tundra insurance.
  • Memberships - Being a member of a professional or civic organization is a good way to get lower rates on your policy.
  • Accident Waiver - This one is not really a discount per se, but certain companies will allow you to have one accident before your rates go up so long as you haven't had any claims for a certain period of time.
  • ABS and Traction Control Discounts - Vehicles that have steering control and anti-lock brakes can reduce accidents so companies give up to a 10% discount.
  • College Student - Kids who are enrolled in higher education away from home and do not have a car may qualify for this discount.
  • Discounts for Seat Belt Usage - Forcing all vehicle occupants to buckle up can save up to 10 percent (depending on the company) off the medical payments premium.
  • Passive Restraint Discount - Vehicles equipped with air bags or motorized seat belts may earn rate discounts as much as 30%.

Drivers should understand that most discounts do not apply to the overall cost of the policy. A few only apply to individual premiums such as collision or personal injury protection. So even though you would think adding up those discounts means a free policy, you're out of luck. But any discount will cut your overall bill.

The diagram below shows the comparison of Toyota Tundra car insurance rates with and without discounts applied to the policy premium. The data assumes a female driver, no claims, a clean driving record, Indiana state minimum liability limits, comprehensive and collision coverage, and $250 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with claim-free, marriage, multi-policy, multi-car, safe-driver, and homeowner discounts applied.

A few of the larger companies and a partial list of their discounts can be read below.

  • GEICO may offer discounts for seat belt use, five-year accident-free, driver training, anti-lock brakes, and multi-vehicle.
  • USAA has savings for loyalty savings, multi-policy, vehicle storage, defensive driver, military installation, and multi-vehicle.
  • Progressive offers discounts including multi-vehicle, homeowner, continuous coverage, online quote discount, good student, and online signing.
  • American Family offers discounts for good student, bundled insurance, good driver, air bags, Steer into Savings, defensive driver, and multi-vehicle.
  • Esurance may include discounts for emergency road assistance, Pac-12 alumni, safety device, online quote, and DriveSense.
  • Farmers Insurance offers premium reductions for alternative fuel, good student, teen driver, business and professional, multi-car, and electronic funds transfer.
  • State Farm has discounts for good driver, safe vehicle, Drive Safe & Save, driver's education, defensive driving training, multiple policy, and passive restraint.

If you want affordable Fort Wayne car insurance quotes, ask all companies you are considering how many discounts you can get. Some of the discounts discussed earlier may not apply in Fort Wayne. To see a list of car insurance companies that offer some of these discounts in Indiana, follow this link.

When looking for affordable Toyota Tundra insurance quotes, there are a couple ways of comparing price quotes from different companies. The simplest method to compare rates is to use the internet to compare rates.

Comparison shopping rates online is easy and it makes it a waste of time to drive around to local insurance agencies. The ability to buy insurance online has reduced the need for local agents unless your situation requires the personal advice that can only be provided by a licensed insurance agent. You can, however, price shop your coverage online but buy from a local insurance agent. When price shopping your coverage, comparing more prices will increase your chances of finding the best price. Not every company provides online Fort Wayne Tundra insurance quotes, so it's recommended that you also compare price quotes from them, too.

The car insurance companies shown below provide comparison quotes in Fort Wayne, IN. If multiple companies are listed, we recommend you click on several of them in order to get a fair rate comparison.

Rates and data analysis

The information displayed next highlights different insurance costs for Toyota Tundra models. Being able to understand how auto insurance policy rates are figured can help drivers make decisions when shopping your coverage around.

Toyota Tundra Insurance Rates in Fort Wayne, IN
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Tundra Regular Cab 2WD $184 $294 $324 $20 $96 $918 $77
Tundra SR/5 Double Cab 2WD $210 $358 $324 $20 $96 $1,008 $84
Tundra SR/5 Crew Max 2WD $210 $358 $324 $20 $96 $1,008 $84
Tundra Regular Cab 4WD $238 $358 $324 $20 $96 $1,036 $86
Tundra Double Cab 4WD $238 $358 $324 $20 $96 $1,036 $86
Tundra SR/5 Double Cab 4WD $238 $358 $324 $20 $96 $1,036 $86
Tundra Limited Double Cab 2WD $238 $422 $324 $20 $96 $1,100 $92
Tundra Limited Crew MAX 2WD $238 $422 $324 $20 $96 $1,100 $92
Tundra Limited Crew MAX 4WD $264 $422 $324 $20 $96 $1,126 $94
Tundra SR/5 Crew Max 4WD $264 $422 $324 $20 $96 $1,126 $94
Get Your Own Custom Quote Go

Above prices assume married female driver age 30, no speeding tickets, no at-fault accidents, $250 deductibles, and Indiana minimum liability limits. Discounts applied include homeowner, safe-driver, multi-vehicle, claim-free, and multi-policy. Information does not factor in specific location which can change premium rates substantially.

Analysis of deductible levels

When shopping for car insurance, a common question is at what level do you set your deductibles. The tables below highlight the rate differences when you select higher and lower insurance deductibles. The first set of rates uses a $250 deductible for physical damage and the second rate chart uses a $1,000 deductible.

Toyota Tundra insurance rates with $250 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Tundra Regular Cab 2WD $188 $300 $318 $18 $94 $943 $79
Tundra SR/5 Double Cab 2WD $216 $366 $318 $18 $94 $1,037 $86
Tundra SR/5 Crew Max 2WD $216 $366 $318 $18 $94 $1,037 $86
Tundra Regular Cab 4WD $244 $366 $318 $18 $94 $1,065 $89
Tundra Double Cab 4WD $244 $366 $318 $18 $94 $1,065 $89
Tundra SR/5 Double Cab 4WD $244 $366 $318 $18 $94 $1,065 $89
Tundra Limited Double Cab 2WD $244 $430 $318 $18 $94 $1,129 $94
Tundra Limited Crew MAX 2WD $244 $430 $318 $18 $94 $1,129 $94
Tundra Limited Crew MAX 4WD $272 $430 $318 $18 $94 $1,157 $96
Tundra SR/5 Crew Max 4WD $272 $430 $318 $18 $94 $1,157 $96
Get Your Own Custom Quote Go
Toyota Tundra insurance rates with $1,000 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Tundra Regular Cab 2WD $116 $188 $318 $18 $94 $734 $61
Tundra SR/5 Double Cab 2WD $134 $230 $318 $18 $94 $794 $66
Tundra SR/5 Crew Max 2WD $134 $230 $318 $18 $94 $794 $66
Tundra Regular Cab 4WD $152 $230 $318 $18 $94 $812 $68
Tundra Double Cab 4WD $152 $230 $318 $18 $94 $812 $68
Tundra SR/5 Double Cab 4WD $152 $230 $318 $18 $94 $812 $68
Tundra Limited Double Cab 2WD $152 $270 $318 $18 $94 $852 $71
Tundra Limited Crew MAX 2WD $152 $270 $318 $18 $94 $852 $71
Tundra Limited Crew MAX 4WD $168 $270 $318 $18 $94 $868 $72
Tundra SR/5 Crew Max 4WD $168 $270 $318 $18 $94 $868 $72
Get Your Own Custom Quote Go

Prices above based on married male driver age 30, no speeding tickets, no at-fault accidents, and Indiana minimum liability limits. Discounts applied include multi-vehicle, multi-policy, homeowner, claim-free, and safe-driver. Table data does not factor in the specific area where the vehicle is garaged which can revise coverage prices significantly.

Using the premium rates above, we can conclude that using a $250 deductible costs approximately $22 more each month or $264 for a full year than choosing the higher $1,000 deductible. Because you would pay $750 more out of your own pocket with a $1,000 deductible as compared to a $250 deductible, if you normally average at least 34 months between claims, you would save more money if you choose a higher deductible.

Calculation for raising deductibles

Average monthly premium for $250 deductibles: $90
Average monthly premium for $1,000 deductibles (subtract): - $68
Monthly savings from raising deductible: $22
Difference between deductibles ($1,000 - $250): $750
Divide difference by monthly savings: $750 / $22
Number of months required between physical damage coverage claims in order to save money by choosing the higher deductible 34 months

One important note is that increasing deductibles to lower your rates results in a higher out-of-pocket expense when you have a physical damage claim. You need a higher level of savings in the event you need to pay the deductible.

The information below illustrates how choosing a deductible and can influence Toyota Tundra insurance costs for each different age category. The premiums assume a single male driver, comprehensive and collision coverage, and no discounts are taken into consideration.

Car insurance rates are higher with tickets and accidents

The chart below illustrates how speeding tickets and at-fault collisions can influence Toyota Tundra yearly insurance costs for each age group. The price estimates are based on a single female driver, full coverage, $500 deductibles, and no other discounts are factored in.

Toyota Tundra insurance premiums by gender and age

The information below visualizes the comparison of Toyota Tundra insurance prices for male and female drivers. The information is based on no claims or violations, full physical damage coverage, $1,000 deductibles, marital status is single, and no discounts are applied.

Buy Toyota Tundra Insurance at a Discount

Many different elements are considered when you get your auto insurance bill. Some are pretty understandable like your driving record, although others are more obscure like where you live or your vehicle rating.

The list below includes some of the factors used by insurance companies to determine premiums.

Premiums are lower the older you get - Teen drivers in Indiana are proven to get distracted easily when driving with friends therefore car insurance rates are much higher. Adding a teen driver onto your car insurance can increase premiums substantially. Older drivers are proven to be safer behind the wheel, tend to cause fewer accidents, and get fewer tickets.

The next chart uses these variables: single driver, full coverage with $500 deductibles, and no discounts or violations.

Cheaper premiums using theft deterrents - Selecting a car model with an alarm system can save you some money. Theft prevention devices such as OnStar found on GM vehicles, advanced tracking like LoJack, and vehicle immobilization systems can thwart car theft.

City dwellers may pay more - Having an address in areas with lower population may provide you with better prices when talking about car insurance. City drivers regularly have much more traffic and longer commute times. Fewer people translates into fewer accidents.

Too many insurance claims and you'll pay more - If you're an insured who likes to file claims you can pretty much guarantee either a policy non-renewal or much higher rates. Insurance companies in Indiana generally give better rates to policyholders who are not frequent claim filers. Auto insurance is intended for the bigger claims that can't be paid out-of-pocket.

Where do you drive? - The more you drive your Toyota in a year's time the higher your rate. Most companies charge to insure your cars based on their usage. Autos not used for work or commuting receive better premium rates than those that get driven frequently. Improper usage on your Tundra may be wasting your money. Make sure your car insurance policy is showing the correct usage.

Drivers with high credit save on car insurance - Having a bad credit history is a big factor in determining what you pay for car insurance. Therefore, if your credit rating can use some improvement, you could potentially save money when insuring your Toyota Tundra by improving your rating. People with good credit tend to be better drivers and file fewer claims than drivers with lower credit ratings.

Don't skimp on liability - Liability insurance will provide protection if a court rules you are at fault for damages from an accident. This coverage provides you with a defense in court up to the limits shown on your policy. Liability insurance is quite affordable when compared to the cost of physical damage coverage, so insureds should have plenty of protection for their assets.

Toyota Tundra insurance claim data - Car insurance companies factor in historical loss data when they calculate premium prices for each model. Vehicles that have higher prevalence or dollar amount of losses will have a higher cost to insure. The table below shows the actual insurance loss data for Toyota Tundra vehicles.

For each policy coverage, the claim probability for all vehicles, as an average, equals 100. Numbers that are below 100 mean the vehicle has better than average losses, while numbers that are greater than 100 indicate higher probability of having a loss or larger claims.

Toyota Tundra Insurance Loss Statistics
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
BETTER
AVERAGE
WORSE

Empty fields indicate not enough data collected
Statistics from IIHS.org for 2013-2015 Model Years

Insurance agents near you

Many people prefer to get advice from a local agent. An additional benefit of comparing insurance prices online is you can get the best rates and still have an agent to talk to. Buying insurance from neighborhood agents is important particularly in Fort Wayne.

To help locate an agent, after submitting this short form, your insurance coverage information is instantly submitted to local insurance agents in Fort Wayne who want to provide quotes to get your business. There is no reason to search for an agent as quotes are delivered directly to you. You can find better rates and a licensed agent to work with. If you want to compare rates from a specific company, you would need to visit that company's website and give them your coverage information.

Independent or Exclusive: It's your choice

If you want to buy insurance from local Fort Wayne agents, it can be helpful to understand the different types of agencies and how they are distinctly different. Agencies in Fort Wayne can be described as either exclusive agents or independent agents.

Independent Insurance Agents

These agents are not restricted to one company so as a result can place your coverage with a variety of different insurance companies and get you the best rates possible. If premiums increase, the agent simply finds a different carrier and you stay with the same agent.

When comparing insurance rates, you definitely need to get several quotes from at a minimum one independent agency to have the best price comparison.

The following are independent insurance agencies in Fort Wayne that may be able to give free insurance quotes.


5150 W Jefferson Blvd - Fort Wayne, IN 46804 - (260) 424-5600 - View Map


6628 Constitution Dr - Fort Wayne, IN 46804 - (260) 436-3544 - View Map


3711 Rupp Dr #103 - Fort Wayne, IN 46835 - (260) 436-9669 - View Map

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Exclusive Insurance Agents

Exclusive agencies can only place business with one company and examples are Allstate and State Farm. Exclusive agents cannot shop your coverage around so keep that in mind. Exclusive agents are well schooled on their company's products and that can be a competitive advantage.

Listed below is a short list of exclusive insurance agents in Fort Wayne that can give you comparison quotes.


1104 W State Blvd - Fort Wayne, IN 46808 - (260) 420-2000 - View Map


4705 Illinois Rd Ste 100 - Fort Wayne, IN 46804 - (260) 744-3218 - View Map


702 W Coliseum Blvd d - Fort Wayne, IN 46808 - (260) 484-5577 - View Map

View more agents

Choosing a insurance agency should depend on more than just a cheap quote. These questions are important to ask:

  • What is the financial rating for the quoted company?
  • Does the company allow you to choose your own collision repair facility?
  • What will you get paid if your car is a total loss? How is that amount determined?
  • Is the agency involved in supporting local community causes?
  • Will you work with the agent or an assistant?
  • Does the quote include credit and driving reports?
  • Is the coverage adequate for your vehicle?

Auto insurance is not optional in Indiana

Even though it can be expensive, paying for auto insurance may be required and benefits you in several ways.

  • Most states have mandatory insurance requirements which means it is punishable by state law to not carry a specific level of liability protection in order to license the vehicle. In Indiana these limits are 25/50/10 which means you must have $25,000 of bodily injury coverage per person, $50,000 of bodily injury coverage per accident, and $10,000 of property damage coverage.
  • If your Tundra has a loan, most banks will require you to have comprehensive coverage to ensure they get paid if you total the vehicle. If coverage lapses or is canceled, the bank will be required to insure your Toyota for a much higher rate and make you pay much more than you were paying before.
  • Insurance safeguards both your car and your assets. Insurance will pay for all forms of medical expenses for you, your passengers, and anyone else injured in an accident. Liability coverage, the one required by state law, also covers legal expenses if you are named as a defendant in an auto accident. If mother nature or an accident damages your car, your auto insurance policy will pay to repair the damage minus the deductible amount.

The benefits of buying enough insurance are without a doubt worth the cost, especially when you need to use it. But the average American driver is overpaying over $700 annually so compare quotes from several companies at every renewal to save money.

One last note

When getting Fort Wayne car insurance quotes online, you should never reduce coverage to reduce premium. There are too many instances where an accident victim reduced collision coverage and found out when filing a claim that their decision to reduce coverage ended up costing them more. Your strategy should be to purchase plenty of coverage at a price you can afford, but do not skimp to save money.

We just covered a lot of ways to find affordable Toyota Tundra insurance in Fort Wayne. It's most important to understand that the more price quotes you have, the higher the chance of saving money. Drivers may even discover the lowest prices come from the smaller companies. Regional companies can often insure niche markets at a lower cost as compared to the big name companies such as Allstate or State Farm.

Even more information is located by following these links: