Comparing and finding cheap prices for Toyota Tundra insurance in Kansas City can seem to be quite difficult for drivers who are new to comparison shopping online. With a ridiculous number of companies in the marketplace, it can easily be a difficult challenge to lower your rates on Toyota Tundra insurance.
It’s easy to assume that car insurance companies don’t want you to compare rates. People who shop around annually will probably switch auto insurance companies because there is a high probability of finding a lower-priced policy. Remarkably, a study showed that consumers who faithfully checked for cheaper rates saved on average $72 a month compared to those who never compared other company’s rates.
If finding the best rates on Toyota Tundra insurance is your ultimate target, then having some knowledge of how to quote prices and compare insurance rates can make shopping around easier.
Locating the most cost-effective car insurance policy in Kansas City is actually quite simple. In essence, anyone who carries car insurance will more than likely be able to lower their premiums. But Missouri car owners should learn the way companies calculate your policy premium and use it to find better rates.
The majority of larger companies allow you to get prices for coverage directly from their websites. Getting online quotes for Toyota Tundra insurance in Kansas City doesn’t take much effort because it’s just a matter of typing in your required coverages on the page. Behind the scenes, their rating system will order reports for credit and driving violations and returns a price quote based on the information you submitted.
This streamlines rate comparisons, and it’s absolutely necessary to have as many quotes as possible in order to find affordable auto insurance pricing.
To save time and use this form to compare rates, visit the companies below or click here to submit a quote request to multiple companies at once. If you have your current policy handy, we recommend you input coverages and limits as shown on your current policy. This guarantees you will get rate comparison quotes based on identical coverages.
The companies shown below have been selected to offer free quotes in Missouri. In order to find cheap auto insurance in Missouri, we recommend you compare several of them in order to get a fair rate comparison.
Facts and figures for Toyota Tundra insurance
The coverage table shown next highlights detailed analysis of insurance coverage prices for Toyota Tundra models. Learning more about how insurance premiums are determined can benefit drivers when making decisions when choosing a new policy provider.
|Model||Comp||Collision||Liability||Medical||UM/UIM||Annual Premium||Monthly Premium|
|Tundra Regular Cab 2WD||$86||$152||$288||$18||$86||$630||$53|
|Tundra SR/5 Double Cab 2WD||$100||$186||$288||$18||$86||$678||$57|
|Tundra SR/5 Crew Max 2WD||$100||$186||$288||$18||$86||$678||$57|
|Tundra Regular Cab 4WD||$112||$186||$288||$18||$86||$690||$58|
|Tundra Double Cab 4WD||$112||$186||$288||$18||$86||$690||$58|
|Tundra SR/5 Double Cab 4WD||$112||$186||$288||$18||$86||$690||$58|
|Tundra Limited Double Cab 2WD||$112||$218||$288||$18||$86||$722||$60|
|Tundra Limited Crew MAX 2WD||$112||$218||$288||$18||$86||$722||$60|
|Tundra Limited Crew MAX 4WD||$124||$218||$288||$18||$86||$734||$61|
|Tundra SR/5 Crew Max 4WD||$124||$218||$288||$18||$86||$734||$61|
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Cost estimates assume married male driver age 50, no speeding tickets, no at-fault accidents, $1000 deductibles, and Missouri minimum liability limits. Discounts applied include multi-policy, safe-driver, multi-vehicle, homeowner, and claim-free. Estimates do not factor in Kansas City location which can influence premium rates noticeably.
The example below highlights how deductible choice and can affect Toyota Tundra insurance costs for different categories of driver ages. The costs are based on a married male driver, comp and collision included, and no policy discounts are applied.
Irresponsible driving raises your rates
The chart below highlights how speeding tickets and at-fault claims can raise Toyota Tundra insurance costs for different categories of driver ages. The costs are based on a single female driver, full coverage, $100 deductibles, and no policy discounts are applied.
Full coverage versus liability only rates
The information below illustrates the difference between Toyota Tundra insurance costs with full coverage compared to only the Missouri minimum liability coverage. The prices are based on no violations or accidents, $1,000 deductibles, drivers are not married, and no policy discounts are applied.
When to drop comprehensive and collision
There is no set rule to stop buying full coverage on your policy, but there is a general school of thought. If the yearly cost of full coverage is more than about 10% of the replacement cost minus the deductible, then it might be time to buy liability only.
For example, let’s say your Toyota Tundra settlement value is $9,000 and you have $1,000 physical damage deductibles. If your vehicle is destroyed, the most your company would pay you is $8,000 after paying your deductible. If premium cost is more than $800 annually to have full coverage, then you might want to consider buying only liability coverage.
There are some situations where eliminating full coverage is not recommended. If you haven’t paid off your loan, you must maintain physical damage coverage in order to prevent your loan from defaulting. Also, if you cannot afford to purchase a different vehicle if your current one is totaled, you should maintain full coverage.
Kansas City Insurance Premiums are Influenced by These Factors
Lots of things are part of the equation when premium rates are determined. Some of the criteria are obvious like a motor vehicle report, but some are less obvious such as your marital status or how safe your car is.
The list below includes some of the most rate-impacting factors that factor into rates.
Additional coverages that may be costing you – There are many additional coverages that can waste your money on your auto insurance policy. Insurance for things like roadside assistance, better glass coverage, and membership fees are probably not needed. They may seem good when you first buy your policy, but if you’ve never needed them in the past remove them from your policy.
Always keep your policy in place – Having an insurance coverage lapse is a sure-fire way to increase your rates. Not only will you pay higher rates, the inability to provide proof of insurance could result in fines and jail time.
Where you live plays a part – Being located in small towns and rural areas can save you money when shopping for auto insurance. Fewer drivers translates into fewer accident claims. Drivers who live in large Missouri cities have to deal with more auto accidents and much longer commute distances. More time behind the wheel statistically corresponds to a higher accident and claim rate.
Safer cars cost less to insure – Safe vehicles cost less to insure. Vehicles built for safety reduce injuries and fewer serious injuries means less claims paid which can mean better rates for you.
Advanced alarms and GPS tracking – Choosing to buy a car with advanced anti-theft systems can help lower your rates. Theft prevention devices such as LoJack tracking devices, vehicle tamper alarm systems or GM’s OnStar system all aid in stopping your vehicle from being stolen.
Stay claim-free and reduce prices – Auto insurance companies in Missouri award cheaper rates to people who file claims infrequently. If you file claims often, you can look forward to increased rates or even have your policy non-renewed. Your car insurance is intended for claims that you cannot pay yourself.
Gender and car insurance – Statistics have proven that men are more aggressive behind the wheel. This data doesn’t prove that women are BETTER drivers than men. Women and men get in accidents in similar percentages, but the males get into accidents with more damage. Not only are claims higher, but men get higher numbers of serious violations like DWI (DUI) or reckless driving.
The information below shows the difference between Toyota Tundra insurance costs for male and female drivers. The data is based on no tickets, no at-fault accidents, full physical damage coverage, $500 deductibles, drivers are not married, and no discounts are applied to the premium.
Raise coverage deductibles and save – Insurance for physical damage, also called ‘full coverage’, insures against damage to your Toyota. Examples of some claims that would be covered would be a broken windshield, hitting a deer, and windstorm damage. Your deductibles are how much the insured will be required to pay in the event of a claim. The more damage repair cost the insured has to pay upfront, the better rate you will receive.
Toyota Tundra insurance loss probability – Insurance companies take into consideration insurance loss statistics for every vehicle to calculate a price that will offset any claims. Models that have higher number or severity of losses will have higher premium rates. The table below demonstrates the loss history for Toyota Tundra vehicles.
For each coverage type, the statistical loss for all vehicles, regardless of make or model, equals 100. Numbers that are below 100 suggest losses that are better than average, while values that are above 100 indicate frequent claims or an increased probability of a larger loss.
|Vehicle 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
Best reasons to buy auto insurance in Missouri
Even though it’s not necessarily cheap to insure a Toyota in Kansas City, insuring your vehicle is required in Missouri but it also protects you in many ways.
- Just about all states have mandatory insurance requirements which means it is punishable by state law to not carry a minimum amount of liability coverage in order to license the vehicle. In Missouri 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, it’s guaranteed your bank will force you to buy full coverage to protect their interest in the vehicle. If coverage lapses or is canceled, the bank will be required to insure your Toyota for a lot more money and force you to reimburse them the higher premium.
- Insurance protects not only your vehicle but also your assets. Insurance will also pay for medical bills for you, your passengers, and anyone else injured in an accident. Liability insurance will also pay attorney fees in the event you are sued. If you have damage to your Toyota as the result of the weather or an accident, collision and comprehensive coverages will cover the repair costs.
The benefits of insuring your Tundra are without a doubt worth the cost, especially for larger claims. On average, a vehicle owner in Kansas City overpays as much as $865 each year so compare quotes from several companies at every policy renewal to be sure current rates are still competitive.
What is the best auto insurance company in Missouri?
Buying coverage from the best company can be rather challenging considering how many different companies there are to choose from in Kansas City. The information listed below may help you decide which auto insurers to look at purchasing from.
Top 10 Kansas City Car Insurance Companies Overall
- 21st Century
- AAA Insurance
- Liberty Mutual
- Safeco Insurance
- State Farm
- American Family