Cheap Quotes for Toyota Tacoma Insurance in Kansas City

Discount Toyota Tacoma insuranceShopping for low-cost Kansas City Toyota Tacoma insurance quotes on the internet may seem to be impossible for consumers new to comparing rates and buying insurance on the web. Because there are so many online companies available, how can anyone have the ability to compare every possible option in order to find the lowest price?

Unthinkable but true, nearly 70% of customers kept buying from the same company for at least the last four years, and practically 40% of insurance customers have never quoted insurance rates at all. The average driver in the U.S. could save almost $860 each year by just comparing quotes, but they just feel it’s too hard to compare rates.

Rates and data analysis

The coverage information displayed next highlights estimates of insurance premium costs for Toyota Tacoma models. Having insight into how policy premiums are formulated is important for you to make smart choices when purchasing an insurance policy.

Toyota Tacoma Insurance Rates in Kansas City, MO
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Tacoma 2WD $162 $344 $360 $22 $108 $996 $83
Tacoma 4WD $186 $282 $360 $22 $108 $958 $80
Tacoma Double Cab 4WD $186 $344 $360 $22 $108 $1,020 $85
Tacoma X-Runner 2WD $186 $406 $360 $22 $108 $1,082 $90
Tacoma Double Cab 4WD $210 $344 $360 $22 $108 $1,044 $87
Tacoma Double Cab TRD Off-Road Package 4WD $210 $344 $360 $22 $108 $1,044 $87
Tacoma Double Cab TRD Sport Package 4WD $210 $344 $360 $22 $108 $1,044 $87
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Premium data assumes single female driver age 30, no speeding tickets, no at-fault accidents, $500 deductibles, and Missouri minimum liability limits. Discounts applied include multi-vehicle, homeowner, safe-driver, claim-free, and multi-policy. Rate quotes do not factor in specific location which can impact premiums greatly.

Raise deductibles and save

When buying auto insurance, a common question is what deductibles to buy. The comparison tables below lay out the rate fluctuation when you choose different physical damage deductibles. The first rate quote example uses a $100 deductible for physical damage and the second rate table uses a $1,000 deductible.

Toyota Tacoma insurance with $100 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Tacoma 2WD $200 $414 $266 $16 $80 $1,001 $83
Tacoma 4WD $230 $340 $266 $16 $80 $957 $80
Tacoma Double Cab 4WD $230 $414 $266 $16 $80 $1,031 $86
Tacoma X-Runner 2WD $230 $488 $266 $16 $80 $1,105 $92
Tacoma Double Cab 4WD $258 $414 $266 $16 $80 $1,059 $88
Tacoma Double Cab TRD Off-Road Package 4WD $258 $414 $266 $16 $80 $1,059 $88
Tacoma Double Cab TRD Sport Package 4WD $258 $414 $266 $16 $80 $1,059 $88
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Toyota Tacoma insurance with $1,000 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Tacoma 2WD $110 $218 $266 $16 $80 $690 $58
Tacoma 4WD $128 $180 $266 $16 $80 $670 $56
Tacoma Double Cab 4WD $128 $218 $266 $16 $80 $708 $59
Tacoma X-Runner 2WD $128 $258 $266 $16 $80 $748 $62
Tacoma Double Cab 4WD $144 $218 $266 $16 $80 $724 $60
Tacoma Double Cab TRD Off-Road Package 4WD $144 $218 $266 $16 $80 $724 $60
Tacoma Double Cab TRD Sport Package 4WD $144 $218 $266 $16 $80 $724 $60
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Price data assumes married male driver age 30, no speeding tickets, no at-fault accidents, and Missouri minimum liability limits. Discounts applied include multi-policy, multi-vehicle, safe-driver, claim-free, and homeowner. Prices do not factor in the specific area where the vehicle is garaged which can decrease or increase premium rates considerably.

Based on this data, using a $100 deductible will cost in the ballpark of $27 more each month or $324 a year than selecting the higher $1,000 deductible. Due to the fact that you would have to pay $900 more out of your own pocket with a $1,000 deductible as compared to a $100 deductible, if you normally average at a minimum 33 months between claim filings, you would probably save some money by going with a higher deductible. Here is how you can make your own decision.

Average monthly premium for $100 deductibles: $86
Average monthly premium for $1,000 deductibles (subtract): – $59
Monthly savings from raising deductible: $27
Difference between deductibles ($1,000 – $100): $900
Divide difference by monthly savings: $900 / $27
Number of months required between physical damage coverage claims in order to save money by choosing the higher deductible 33 months

An important thing to remember is that increasing deductibles to save money means you will have to pay more out-of-pocket when you do file a claim. You need to have enough money put aside in the event you need to pay the higher deductible in order to repair your vehicle.

The illustration below illustrates how choosing a deductible and can impact Toyota Tacoma yearly insurance costs for each age group. The data assumes a single male driver, comprehensive and collision coverage, and no policy discounts are applied.

How careless driving impacts Kansas City auto insurance rates

The diagram below illustrates how violations and fender-benders can impact Toyota Tacoma insurance rates for each age group. The price estimates are based on a single female driver, full physical damage coverage, $500 deductibles, and no discounts are applied.

Comparison of full coverage and liability-only policies

The chart below visualizes the comparison of Toyota Tacoma premium costs when comparing full coverage to state minimum liability only. The rate quotes are based on no violations or accidents, $250 deductibles, marital status is single, and no additional discounts are factored in.

Should you buy full coverage or liability only?

There isn’t a steadfast formula for phasing out comp and collision coverage, but there is a general guideline you can use. If the annual cost of having full coverage is about 10% or more of the settlement you would receive from your company, then it may be the right time to buy liability only.

For example, let’s assume your Toyota Tacoma claim settlement value is $3,000 and you have $1,000 policy deductibles. If your vehicle is destroyed, the most your company would pay you is $2,000 after paying your policy deductible. If you are paying over $200 a year for physical damage coverage, the it may be a good time to stop paying for full coverage.

There are some situations where dropping physical damage coverage is not a good plan. If you have an outstanding loan on your vehicle, you have to keep full coverage in order to satisfy the requirements of the loan. Also, if you can’t afford to buy a different vehicle if your current one is in an accident, you should not opt for liability only.

How to Lower Your Insurance Costs

Lots of factors are taken into consideration when pricing auto insurance. Some factors are common sense such as your driving record, but other factors are less obvious like your continuous coverage or how safe your car is. Part of the insurance buying process is learning a few of the rating criteria that aid in calculating insurance rates. When you understand what controls the rates you pay, this allows you to make good choices that could help you find lower premium levels.

The items below are a few of the things companies use to determine your prices.

Prices also based on gender – Statistics have proven that females tend to be a little less risky than males. However, this does not mean men are WORSE drivers than women. They both have fender benders at about the same rate, but guys cause more damage and cost insurance companies more money. Men also have more aggressive citations such as reckless driving. Young men ages 16 to 20 cause the most accidents so they pay the highest premiums.

The diagram below compares Toyota Tacoma premium costs for male and female drivers. The price estimates are based on no claims or violations, comp and collision included, $250 deductibles, single marital status, and no policy discounts are applied.

Safer cars save money – Safer cars are cheaper to insure. Highly rated vehicles help reduce the chance of injuries in an accident and any reduction in injury severity means lower claim amounts and thus lower rates. If your Toyota Tacoma scored better than an “acceptable” rating on the Insurance Institute for Highway Safety website you may be receiving a better rate.

Never let your insurance expire – Having an insurance coverage lapse is a fast way to bump up your insurance costs. Not only will you pay higher rates, being ticketed for driving with no insurance could result in a license revocation or jail time.

Liability insurance preserves assets – Liability coverage will protect you if ever you are determined to be liable for damages from an accident. This coverage provides legal defense coverage starting from day one. This coverage is relatively inexpensive as compared to coverage for physical damage, so buy as much as you can afford.

Does your vocation cost you more? – Did you know your insurance rates can be affected by your occupation? Careers such as lawyers, airline pilots, and medical professionals tend to pay higher premiums than the average policyholder because of high stress levels and lengthy work days. Conversely, jobs such as farmers, students and performers receive lower rates.

Pay more for higher performance vehicles – The performance level of the vehicle you drive makes a big difference in your rates. Small economy passenger cars receive the most favorable rates, but that’s not the only thing that factors into the final price.

The following chart uses these assumptions: married male driver age 20, full coverage with $100 deductibles, and no discounts or violations. It shows Toyota Tacoma car insurance rates compared to other models that have different performance risks.

Toyota Tacoma insurance loss data – Insurance companies analyze the history of losses as a tool for profitable underwriting. Vehicles that the statistics show to have higher loss trends will cost more to insure.

The table below demonstrates the insurance loss data used by companies for Toyota Tacoma vehicles. For each coverage category, the statistical loss for all vehicles, without regard to make or model, is equal to 100. Numbers below 100 indicate better than average losses, while values over 100 indicate more frequent claims or a tendency for claims to be larger.

Insurance Loss Ratings for Toyota Tacoma Vehicles
Make and Model Collision Property Damage Comp Personal Injury Medical Payment Bodily Injury
Toyota Tacoma Double Cab 2WD 79 109 70 77 76 92
Toyota Tacoma Double Cab 4WD 82 104 84 64 56 77
Toyota Tacoma Double Cab LWB 2WD 87 108 74 96
Toyota Tacoma Double Cab LWB 4WD 84 104 88 68 57 79
Toyota Tacoma Xtra Cab 2WD 80 105 60 86 75 96
Toyota Tacoma Xtra Cab 4WD 71 90 77 48 51 65

Empty fields indicate not enough data collected
Data Source: Insurance Institute for Highway Safety for 2013-2015 Model Years

Smart shoppers get results

Throughout this article, we presented a lot of tips how to reduce Toyota Tacoma insurance auto insurance rates online in Kansas City. The key concept to understand is the more you quote Kansas City auto insurance, the better chance you’ll have of finding low cost Kansas City auto insurance quotes. You may even discover the lowest auto insurance rates come from some of the lesser-known companies.

Cheaper Toyota Tacoma insurance in Kansas City is definitely available both online in addition to many Kansas City insurance agents, so you should be comparing quotes from both to get a complete price analysis. Some insurance companies may not have online rate quotes and many times these small insurance companies prefer to sell through independent insurance agents.

When you buy Kansas City auto insurance online, it’s not a good idea to reduce coverage to reduce premium. There are too many instances where someone sacrificed uninsured motorist or liability limits only to find out that their decision to reduce coverage ended up costing them more. Your focus should be to buy enough coverage at the best cost and still be able to protect your assets.

How to find cheaper Toyota Tacoma insurance in Kansas City

The best way to find better pricing on Toyota Tacoma insurance in Kansas City is to regularly compare prices from companies that sell auto insurance in Missouri.

An important note is to use similar coverage information on each price quote and and to get price quotes from as many car insurance companies as possible. This provides a fair price comparison and a good representation of prices.

Even more information can be found at these sites: