Having to pay for high-priced insurance in Phoenix can consume your funds and force you to make sacrifices. Comparing cost estimates can lower your rates and help to slash your bill and have more diposable income.
A recent NerdWallet.com study revealed that the majority of drivers kept buying from the same company for at least the last four years, and just short of a majority have never quoted rates to find cheap coverage. The average driver in Arizona could save about $733 every year by just comparing quotes, but most just don’t grasp the actual amount they would save if they replace their high priced policy. Since drivers have many options when it comes to insurance, it can be challenging to pick the lowest cost insurance company.
It’s smart to take a look at other company’s rates at least once a year due to the fact that insurance prices go up and down regularly. Even if you got the best price on Toyota Tacoma insurance in Phoenix two years ago you can probably find a better rate quote now. You can find a lot of misleading information regarding Tacoma insurance online but I’m going to show you some of the best techniques to find affordable insurance in Phoenix.
Companies offering Toyota Tacoma insurance in Phoenix
The car insurance companies shown below are our best choices to provide price quotes in Phoenix, AZ. If several companies are displayed, we suggest you click on several of them to get the best price comparison.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Tacoma 2WD | $184 | $360 | $308 | $18 | $92 | $962 | $80 |
| Tacoma 4WD | $234 | $352 | $308 | $18 | $92 | $1,004 | $84 |
| Tacoma Double Cab 4WD | $112 | $208 | $288 | $18 | $86 | $712 | $59 |
| Tacoma X-Runner 2WD | $162 | $364 | $338 | $20 | $102 | $986 | $82 |
| Tacoma Double Cab 4WD | $156 | $240 | $306 | $18 | $92 | $812 | $68 |
| Tacoma Double Cab TRD Off-Road Package 4WD | $138 | $240 | $338 | $20 | $102 | $838 | $70 |
| Tacoma Double Cab TRD Sport Package 4WD | $290 | $480 | $404 | $24 | $122 | $1,320 | $110 |
| Get Your Own Custom Quote Go | |||||||
Prices above based on single female driver age 30, no speeding tickets, no at-fault accidents, $250 deductibles, and Arizona minimum liability limits. Discounts applied include multi-policy, homeowner, safe-driver, multi-vehicle, and claim-free. Premium amounts do not factor in vehicle garaging location which can revise coverage rates greatly.
Policy deductible comparison
The diagram below demonstrates how deductibles and can impact Toyota Tacoma insurance premiums for different age groups. The premiums assume a single male driver, comp and collision included, and no policy discounts are applied.
How violations and accidents impact rates
The diagram below shows how traffic citations and at-fault collisions can influence Toyota Tacoma car insurance rates for different ages of insureds. The rates are based on a married female driver, full physical damage coverage, $100 deductibles, and no discounts are taken into consideration.
Affordable Toyota Tacoma insurance in Phoenix
Auto insurance companies don’t list every discount available very well, so the below list has some of the best known as well as some of the hidden credits available to lower your premiums when you buy Phoenix auto insurance online.
- Federal Government Employee – Federal government employees can save as much as 8% depending on your insurance provider.
- Buy New and Save – Putting insurance coverage on a new Tacoma can cost up to 25% less since new vehicles are generally safer.
- Defensive Driver – Taking time to complete a driver safety course could save 5% or more and make you a better driver.
- Data Collection Discounts – Insureds that choose to allow their insurance company to track where and when they drive by installing a telematics device such as In-Drive from State Farm or Allstate’s Drivewise system could possibly reduce rates if they exhibit good driving behavior.
- Discounts for Safe Drivers – Insureds who avoid accidents can pay as much as 50% less than their less cautious counterparts.
Please keep in mind that some credits don’t apply to the entire policy premium. The majority will only reduce individual premiums such as physical damage coverage or medical payments. Even though it may seem like you can get free auto insurance, insurance companies aren’t that generous. But any discount will lower the premium cost.
Popular insurance companies and a selection of discounts are outlined below.
- State Farm offers discounts including multiple policy, safe vehicle, driver’s education, accident-free, and anti-theft.
- Esurance offers premium reductions for online shopper, homeowner, DriveSense, paid-in-full, and renters.
- Progressive has discounts for homeowner, online quote discount, online signing, multi-vehicle, and good student.
- Liberty Mutual policyholders can earn discounts including safety features, multi-policy, multi-car, hybrid vehicle, good student, and new move discount.
- Auto-Owners Insurance discounts include teen driver, multi-policy, good student, anti-theft, company car, multiple vehicles, and group or association.
- GEICO offers discounts for seat belt use, federal employee, air bags, five-year accident-free, multi-vehicle, and military active duty.
Check with each company which discounts can lower your rates. Some credits may not be available in your state. To choose companies that have a full spectrum of discounts in Arizona, click here.
Your car insurance coverage should be tailored to you
When quoting and choosing proper insurance coverage, there isn’t really a one-size-fits-all type of policy. Coverage needs to be tailored to your specific needs and your car insurance should unique, too. Here are some questions about coverages that may help highlight if your insurance needs would benefit from professional advice.
- What is the minimum liability in Arizona?
- Does coverage extend to my business vehicle?
- When should I not file a claim?
- How high should my uninsured/underinsured coverage be in Arizona?
- When should I remove comp and collision on my Toyota Tacoma?
- Is my camper covered by my car insurance policy?
If you can’t answer these questions, then you may want to think about talking to a licensed insurance agent. If you don’t have a local agent, complete this form or you can go here for a list of companies in your area. It is quick, free and can help protect your family.
Buying from car insurance agents
A lot of people just prefer to go talk to an agent and that is just fine! Good agents are trained risk managers and help file insurance claims. The biggest benefit of comparing insurance prices online is the fact that drivers can get the best rates and still buy from a local agent. Buying from and supporting local insurance agents is definitely important in Phoenix.
To make it easy to find an agent, after completing this form (opens in new window), your information is emailed to insurance agents in Phoenix that can give you free Phoenix auto insurance quotes to get your business. It simplifies rate comparisons since you won’t have to leave your house as quotes are delivered to you directly. If you want to get a comparison quote from a particular provider, you would need to visit that company’s website to submit a rate quote request.
If you are wanting to find a local Phoenix insurance agency, you should know the different types of agents and how they differ in how they can insure your vehicles. Insurance agencies are classified as either exclusive or independent. Either one can sell and service insurance coverage, but it’s good to learn the differences since it can impact which type of agent you select.
Independent Insurance Agents
Independent agencies often have affiliation with several companies so they can quote policies through many companies and potentially find a lower price. If they quote lower rates, the business is moved internally and you don’t have to switch agencies. When comparing insurance prices, you need to get quotes from several independent agencies to ensure the widest selection of prices.
Shown below is a partial list of independent insurance agents in Phoenix that can give you comparison quotes.
Citywide Insurance
1529 W Thomas Rd – Phoenix, AZ 85015 – (602) 241-9200 – View Map
Independent Insurance Agents
333 E Flower St – Phoenix, AZ 85012 – (602) 956-1851 – View Map
UNO Insurance Agency
3510 E Bell Rd # 2 – Phoenix, AZ 85032 – (602) 493-2300 – View Map
Exclusive Agencies
Exclusive agencies can only provide pricing for a single company like Farmers Insurance, Allstate, or State Farm. Exclusive agents cannot give you multiple price quotes so they have no alternatives for high prices. Exclusive agencies are well trained in insurance sales which can be an advantage.
Below are Phoenix exclusive agencies willing to provide comparison quotes.
Chris Bolton – State Farm Insurance Agent
1630 N 7th St – Phoenix, AZ 85006 – (602) 252-1330 – View Map
Arly Sanchez – State Farm Insurance Agent
1625 N 51st Ave Ste 103 – Phoenix, AZ 85035 – (602) 455-2886 – View Map
Lynn Buss – State Farm Insurance Agent
4022 E Broadway Rd #106 – Phoenix, AZ 85040 – (602) 454-8570 – View Map
Choosing the best insurance agent shouldn’t rely on just a cheap price quote. These are valid questions to ask:
- Does the company use OEM repair parts?
- If they are an independent agency in Phoenix, which companies do they recommend?
- Which family members are covered?
- Will your rates increase after a single accident?
- How long has their agency been in business in Phoenix?
Can switching companies really save?
Arizona drivers can’t avoid all the ads that promise big savings by State Farm and Allstate. All the companies make an identical promise that drivers will save a bundle if you just switch to their company.
It sounds good, but how can they all make the same claim? You have to listen carefully.
Many companies quote their cheapest rates for the type of customer that will add to their bottom line. One example of a desirable insured could possibly be between the ages of 30 and 50, owns a home, and has great credit. A customer getting a price quote that meets those criteria receive the lowest rate quotes in Phoenix and is almost guaranteed to cut their Toyota Tacoma insurance rates if they switch.
Insureds who don’t measure up to the requirements may receive higher rates and this results in the customer buying from someone else. If you listen to the ad wording, they say “people that switch” not “all people who quote” save that much money. That’s the way insurance companies can state the savings.
Because of the profiling, drivers must do a price quote comparison at every renewal. You cannot predict which company will have the best car insurance rates for your profile.
Car insurance 101
Knowing the specifics of car insurance can help you determine the right coverages and the correct deductibles and limits. The coverage terms in a policy can be impossible to understand and coverage can change by endorsement. These are typical coverages found on most car insurance policies.
Uninsured/Underinsured Motorist (UM/UIM)
This coverage gives you protection from other drivers when they do not carry enough liability coverage. Covered losses include medical payments for you and your occupants and also any damage incurred to your Toyota Tacoma.
Since many Arizona drivers have only the minimum liability required by law (15/30/10 in Arizona), it only takes a small accident to exceed their coverage. For this reason, having high UM/UIM coverages is important protection for you and your family. Frequently the UM/UIM limits are set the same as your liability limits.
Med pay and Personal Injury Protection (PIP)
Personal Injury Protection (PIP) and medical payments coverage provide coverage for immediate expenses such as EMT expenses, nursing services, X-ray expenses, hospital visits and surgery. They can be used to fill the gap from your health insurance plan or if there is no health insurance coverage. It covers both the driver and occupants in addition to if you are hit as a while walking down the street. Personal injury protection coverage is not an option in every state but it provides additional coverages not offered by medical payments coverage
Liability coverages
Liability coverage will cover injuries or damage you cause to people or other property in an accident. It consists of three limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You might see values of 15/30/10 that translate to $15,000 in coverage for each person’s injuries, a total of $30,000 of bodily injury coverage per accident, and a total limit of $10,000 for damage to vehicles and property. Alternatively, you may have one number which is a combined single limit that pays claims from the same limit without having the split limit caps.
Liability coverage protects against things such as pain and suffering, loss of income, funeral expenses, attorney fees and bail bonds. The amount of liability coverage you purchase is your choice, but consider buying higher limits if possible. Arizona state law requires minimum liability limits of 15/30/10 but you should consider buying better liability coverage.
Comprehensive insurance
Comprehensive insurance coverage covers damage OTHER than collision with another vehicle or object. You first have to pay a deductible and the remainder of the damage will be paid by comprehensive coverage.
Comprehensive coverage pays for things like hitting a deer, damage from flooding and damage from getting keyed. The maximum amount your car insurance company will pay is the ACV or actual cash value, so if the vehicle’s value is low consider dropping full coverage.
Collision protection
Collision insurance pays to fix your vehicle from damage caused by collision with an object or car. You have to pay a deductible then the remaining damage will be paid by your insurance company.
Collision can pay for things like hitting a mailbox, crashing into a ditch, colliding with another moving vehicle and driving through your garage door. This coverage can be expensive, so you might think about dropping it from vehicles that are 8 years or older. Another option is to raise the deductible on your Tacoma in order to get cheaper collision rates.
Quote often and quote early
When trying to cut insurance costs, do not buy less coverage just to save a little money. There are too many instances where an accident victim reduced uninsured motorist or liability limits only to regret at claim time that the small savings ended up costing them much more. Your focus should be to get the best coverage possible at the lowest possible cost but still have enough coverage for asset protection.
We just showed you many tips how you can get a better price on Toyota Tacoma insurance in Phoenix. It’s most important to understand that the more rate comparisons you have, the higher your chance of finding affordable Phoenix auto insurance quotes. Consumers may even find the lowest premium rates are with some of the smallest insurance companies. Smaller companies may have significantly lower prices on certain market segments as compared to the big name companies such as Progressive and GEICO.
For more information, feel free to browse the resources below:
- What to do at the Scene of an Accident (Insurance Information Institute)
- Who Has the Cheapest Car Insurance Rates for High School Students in Phoenix? (FAQ)
- Who Has Affordable Phoenix Car Insurance Rates for a Toyota Tundra? (FAQ)
- Who Has the Cheapest Car Insurance Rates for Teenage Males in Phoenix? (FAQ)
- Who Has Affordable Auto Insurance for a Jeep Wrangler in Phoenix? (FAQ)
- Car Insurance for Teen Drivers with Divorced Parents (Allstate)
- Teen Driver Statistics (Insurance Information Institute)
- Rollover Crash FAQ (iihs.org)