Compare Toyota Tundra Insurance Rate Quotes in Scottsdale

Insurance rates Toyota Tundra in ScottsdaleThe easiest way to get the cheapest Toyota Tundra insurance in Scottsdale is to regularly compare price quotes from insurance carriers who can sell car insurance in Arizona.

Step 1: Take a little time to learn about auto insurance and the factors you can control to prevent expensive coverage. Many factors that cause high rates such as tickets, at-fault accidents, and a negative credit history can be eliminated by making small lifestyle or driving habit changes.

Step 2: Request rate estimates from direct carriers, independent agents, and exclusive agents. Direct and exclusive agents can only provide price estimates from one company like Progressive or Farmers Insurance, while agents who are independent can provide prices from multiple insurance companies. Compare rates now

Step 3: Compare the new quotes to your existing coverage to determine if switching companies saves money. If you can save money and make a switch, make sure the effective date of the new policy is the same as the expiration date of the old one.

Step 4: Notify your agent or company of your decision to cancel your current coverage and submit a down payment and signed policy application to your new agent or company. As soon as you can, place the new certificate verifying proof of insurance in your vehicle.

One key aspect of rate comparisons is to use identical limits and deductibles on every quote and and to compare as many companies as you can. Doing this ensures the most accurate price comparison and a good representation of prices.

Sadly, 70% of consumers have been with the same company for well over three years, and just under half have never compared rates to find affordable insurance. Drivers in Scottsdale can save up to 50% each year by just comparing quotes, but they feel it’s too difficult to compare rates.

If you are already insured, you will most likely be able to get lower rates using the concepts covered in this article. Locating the best rates in Scottsdale seems hard but is not really that difficult. Although Arizona vehicle owners need to learn how the larger insurance companies calculate their prices because it varies considerably.

Scottsdale Insurance Rates are Influenced by These Factors

The best way to find cheaper insurance is to take a look at the rating factors that play a part in calculating the rates you pay for insurance. When you understand what impacts premium levels, this allows you to make educated decisions that can help you get lower premium levels.

Listed below are a few of the things used by companies to determine your rates.

All the larger car insurance companies like GEICO, State Farm and Progressive allow you to get coverage prices direct online. Comparing Toyota Tundra insurance rates online is very simple as you simply type in the amount of coverage you want as detailed in the form. Behind the scenes, the quote system orders information on your driving record and credit history and generates pricing information based on the information you submitted. Getting online quotes for Toyota Tundra insurance in Scottsdale helps simplify price comparisons, and it’s also necessary to perform this step if you are searching for the cheapest price on car insurance.

In order to use this form to compare rates, compare quotes from the companies shown below. If you currently have coverage, we recommend you input coverages and limits identical to your current policy. This helps ensure you will have an apples-to-apples comparison for similar coverage.

The companies shown below are our best choices to provide free quotes in Arizona. To buy the best car insurance in Arizona, it’s a good idea that you visit two to three different companies to get the best price comparison.

Rate information and statistics

The information shown below highlights a range of coverage costs for Toyota Tundra models. Having a good grasp of how insurance prices are formulated can benefit drivers when making decisions when shopping around.

Toyota Tundra Insurance Rates in Scottsdale, AZ
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Tundra Regular Cab 2WD $198 $368 $410 $24 $122 $1,122 $94
Tundra SR/5 Double Cab 2WD $226 $448 $410 $24 $122 $1,230 $103
Tundra SR/5 Crew Max 2WD $226 $448 $410 $24 $122 $1,230 $103
Tundra Regular Cab 4WD $256 $448 $410 $24 $122 $1,260 $105
Tundra Double Cab 4WD $256 $448 $410 $24 $122 $1,260 $105
Tundra SR/5 Double Cab 4WD $256 $448 $410 $24 $122 $1,260 $105
Tundra Limited Double Cab 2WD $256 $528 $410 $24 $122 $1,340 $112
Tundra Limited Crew MAX 2WD $256 $528 $410 $24 $122 $1,340 $112
Tundra Limited Crew MAX 4WD $286 $528 $410 $24 $122 $1,370 $114
Tundra SR/5 Crew Max 4WD $286 $528 $410 $24 $122 $1,370 $114
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Prices above based on single male driver age 40, no speeding tickets, no at-fault accidents, $250 deductibles, and Arizona minimum liability limits. Discounts applied include multi-policy, homeowner, safe-driver, claim-free, and multi-vehicle. Estimates do not factor in specific Scottsdale garaging location which can influence insurance rates greatly.

Physical damage deductibles

One frequently asked question is how high should the physical damage coverage deductibles be. The tables below approximate the differences in price of buying low and high physical damage coverage deductibles. The first rate quote example uses a $100 physical damage deductible and the second price chart uses a $500 deductible.

Toyota Tundra insurance premium rates with $100 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Tundra Regular Cab 2WD $224 $382 $338 $20 $102 $1,091 $91
Tundra SR/5 Double Cab 2WD $258 $466 $338 $20 $102 $1,209 $101
Tundra SR/5 Crew Max 2WD $258 $466 $338 $20 $102 $1,209 $101
Tundra Regular Cab 4WD $292 $466 $338 $20 $102 $1,243 $104
Tundra Double Cab 4WD $292 $466 $338 $20 $102 $1,243 $104
Tundra SR/5 Double Cab 4WD $292 $466 $338 $20 $102 $1,243 $104
Tundra Limited Double Cab 2WD $292 $548 $338 $20 $102 $1,325 $110
Tundra Limited Crew MAX 2WD $292 $548 $338 $20 $102 $1,325 $110
Tundra Limited Crew MAX 4WD $324 $548 $338 $20 $102 $1,357 $113
Tundra SR/5 Crew Max 4WD $324 $548 $338 $20 $102 $1,357 $113
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Toyota Tundra insurance premium rates with $500 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Tundra Regular Cab 2WD $164 $258 $338 $20 $102 $882 $74
Tundra SR/5 Double Cab 2WD $188 $314 $338 $20 $102 $962 $80
Tundra SR/5 Crew Max 2WD $188 $314 $338 $20 $102 $962 $80
Tundra Regular Cab 4WD $212 $314 $338 $20 $102 $986 $82
Tundra Double Cab 4WD $212 $314 $338 $20 $102 $986 $82
Tundra SR/5 Double Cab 4WD $212 $314 $338 $20 $102 $986 $82
Tundra Limited Double Cab 2WD $212 $370 $338 $20 $102 $1,042 $87
Tundra Limited Crew MAX 2WD $212 $370 $338 $20 $102 $1,042 $87
Tundra Limited Crew MAX 4WD $236 $370 $338 $20 $102 $1,066 $89
Tundra SR/5 Crew Max 4WD $236 $370 $338 $20 $102 $1,066 $89
Get Your Own Custom Quote Go

Data based on married male driver age 30, no speeding tickets, no at-fault accidents, and Arizona minimum liability limits. Discounts applied include homeowner, safe-driver, claim-free, multi-vehicle, and multi-policy. Rate quotes do not factor in zip code location which can change prices noticeably.

Based on this data, using a $100 deductible costs an average of $22 more each month or $264 each year averaged for all Tundra models than selecting the higher $500 deductible. Because you would be required to pay $400 more out of your own pocket with a $500 deductible as compared to a $100 deductible, if you tend to average at least 18 months between claims, you would probably be better off by selecting a higher deductible.

The chart below shows how choosing a deductible and can increase or decrease Toyota Tundra insurance rates for different age groups. The information is based on a single male driver, full coverage, and no additional discounts are factored in.

Full coverage or liability only

The illustration below compares Toyota Tundra car insurance costs with full physical damage coverage compared to only buying the minimum liability limits required in Arizona. The price estimates are based on a clean driving record, no at-fault accidents, $250 deductibles, single marital status, and no discounts are taken into consideration.

When to stop buying comprehensive and collision coverage

There is no clear-cut rule for excluding physical damage coverage on your policy, but there is a general school of thought. If the yearly cost for physical damage coverage is more than 10% of the replacement cost of your vehicle minus the policy deductible, then it might be time to buy liability only.

For example, let’s say your Toyota Tundra replacement value is $5,000 and you have $1,000 physical damage deductibles. If your vehicle is destroyed, the most you would receive is $4,000 after the policy deductible has been paid. If premium cost is more than $400 a year to have full coverage, then you might consider buying liability only.

There are a few situations where removing full coverage is not a good plan. If you still have a lienholder on your title, you have to keep full coverage in order to prevent the bank from purchasing higher-priced coverage. Also, if you can’t afford to buy a different vehicle if your current one is damaged, you should keep full coverage.

Choosing vehicle insurance is an important decision

Despite the high insurance cost for a Toyota Tundra in Scottsdale, maintaining insurance may be required and benefits you in several ways.

The benefits of carrying adequate insurance more than cancel out the cost, particularly if you ever have a claim. The average driver in America is currently overpaying as much as $869 every year so compare rates each time the policy renews to make sure the price is not too high.

Score discounts on Scottsdale car insurance

Auto insurance companies don’t always list all their discounts very clearly, so we took the time to find both the well known and the harder-to-find discounts that may be available.Discount car insurance

As a disclaimer on discounts, most discount credits are not given to the overall cost of the policy. Most cut the price of certain insurance coverages like collision or personal injury protection. Even though it may seem like having all the discounts means you get insurance for free, it doesn’t quite work that way.

The chart below visualizes the comparison of Toyota Tundra car insurance costs with and without discounts applied to the policy rates. The price estimates are based on a male driver, no claims, a clean driving record, Arizona state minimum liability limits, full coverage, and $250 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with safe-driver, marriage, multi-policy, multi-car, claim-free, and homeowner discounts applied.

To locate companies offering car insurance discounts in Arizona, click this link.

Compare prices but work with a local neighborhood Scottsdale car insurance agent

Many people just want to have an agent’s advice and doing that can be a smart decision The best thing about comparing insurance online is that you can obtain cheap insurance quotes and still buy from a local agent. Supporting local insurance agents is definitely important in Scottsdale.

Find insurance agent in ScottsdaleOnce you complete this form (opens in new window), your insurance data is immediately sent to local insurance agents who will gladly provide quotes to get your business. You never need to leave your computer since rate quotes are delivered straight to your inbox. You can most likely find cheaper rates and an insurance agent to talk to. If you want to compare rates from a specific insurance company, you would need to search and find their rate quote page and give them your coverage information.

When searching for a reliable agent, you should know the different types of agents that you can select. Insurance policy providers can be classified as either exclusive agents or independent agents.

Independent Insurance Agents (or Brokers)

Agents of this type are normally appointed by many insurers and that gives them the ability to insure with many different companies and find the cheapest rate. If they find a lower price, they can switch companies in-house and that require little work on your part. When comparison shopping, we highly recommend that you get rate quotes from multiple independent agents to maximize your price options.

Shown below are independent insurance agencies in Scottsdale that may be able to give you price quote information.

17470 N Pacesetter WayScottsdale, AZ 85255(480) 657-2800View Map

17470 N Pacesetter WayScottsdale, AZ 85255(480) 657-2800View Map

14301 N 87th St Suite 308Scottsdale, AZ 85260(480) 348-1100View Map

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Exclusive Insurance Agents

Exclusive agents can only provide one company’s prices like Allstate, State Farm and Farmers Insurance. Exclusive agents cannot compare other company’s rates so they have no alternatives for high prices. Exclusive agents are very knowledgeable on their company’s products and that allows them to sell at a higher price point.

The following are exclusive agencies in Scottsdale that can give you price quote information.

9332 E Raintree Dr #140Scottsdale, AZ 85260(480) 657-7906View Map

23341 N Pima Rd D139, Scottsdale 8525523341 N Pima Rd D139, AZ 85255(480) 515-5223View Map

6320 E Thomas Rd #303Scottsdale, AZ 85251(480) 900-8010View Map

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Picking an car insurance agent requires you to look at more than just the premium amount. These are some questions your agent should answer.

Insurance savings summarized

As you go through the steps to switch your coverage, never sacrifice coverage to reduce premiums. Too many times, an accident victim reduced comprehensive coverage or liability limits only to regret at claim time that the few dollars in savings costed them thousands. The goal is to purchase a proper amount of coverage at the best possible price, not the least amount of coverage.

Cheaper insurance in Scottsdale is definitely available on the web as well as from independent agents in Scottsdale, so you need to quote Scottsdale auto insurance with both in order to have the best chance of saving money. There are still a few companies who may not have rates over the internet and many times these small, regional companies only sell coverage through independent agents.

More detailed insurance information is available at these sites: