Feeling guilty for buying an under-performing, overpriced auto insurance policy? You’re in good company because you are not the only one feeling buyer’s remorse.
It’s well known that insurance companies don’t want you shop around. Insureds who compare rates annually will presumably switch to a new company because the odds are good of finding a policy with more affordable rates. A recent survey discovered that drivers who shopped around annually saved over $70 a month as compared to drivers who never shopped for cheaper rates.
If finding low prices for insurance in Riverside is the reason for your visit, understanding how to find and compare coverage rates can help you succeed in finding affordable rates. Companies like Progressive, GEICO and Farmers Insurance increase brand awareness with ads and it is difficult to see through the deception and take the time to shop coverage around.
Consumers need to do price comparisons as often as possible since rates tend to go up over time. If you had the best rate on Toyota Tundra insurance in Riverside on your last policy you can probably find a better price now. Block out anything you think you know about auto insurance because I’m going to teach you the right way to find lower rates on auto insurance.
Ways to get Toyota Tundra insurance quotes in Riverside, CA
The majority of larger companies like GEICO, State Farm and Progressive make it easy to get pricing online. Comparing prices online for Toyota Tundra insurance in Riverside is possible for anyone as you simply type in your coverage preferences as requested by the quote form. Once you submit the form, the system collects credit information and your driving record and returns pricing information based on the data you entered. Being able to quote online for Toyota Tundra insurance in Riverside streamlines rate comparisons, and it’s absolutely necessary to compare as many rates as possible if you are searching for the best rate possible.
To find out how much you can save on car insurance, compare rates from the companies below. If you have coverage now, it’s recommended you type in the coverages exactly as they are listed on your policy. This ensures you’re receiving a price comparison using the same coverage and limits.
The providers in the list below are ready to provide price comparisons in Riverside, CA. If multiple companies are shown, we recommend you compare several of them in order to get a fair rate comparison.
Toyota Tundra coverage analysis
The premium information below showcases a range of coverage costs for Toyota Tundra models. Having insight into how insurance policy premiums are calculated can help guide drivers when making informed purchases.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Tundra Regular Cab 2WD | $158 | $292 | $524 | $32 | $156 | $1,162 | $97 |
| Tundra SR/5 Double Cab 2WD | $182 | $354 | $524 | $32 | $156 | $1,248 | $104 |
| Tundra SR/5 Crew Max 2WD | $182 | $354 | $524 | $32 | $156 | $1,248 | $104 |
| Tundra Regular Cab 4WD | $204 | $354 | $524 | $32 | $156 | $1,270 | $106 |
| Tundra Double Cab 4WD | $204 | $354 | $524 | $32 | $156 | $1,270 | $106 |
| Tundra SR/5 Double Cab 4WD | $204 | $354 | $524 | $32 | $156 | $1,270 | $106 |
| Tundra Limited Double Cab 2WD | $204 | $418 | $524 | $32 | $156 | $1,334 | $111 |
| Tundra Limited Crew MAX 2WD | $204 | $418 | $524 | $32 | $156 | $1,334 | $111 |
| Tundra Limited Crew MAX 4WD | $228 | $418 | $524 | $32 | $156 | $1,358 | $113 |
| Tundra SR/5 Crew Max 4WD | $228 | $418 | $524 | $32 | $156 | $1,358 | $113 |
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Prices based on married female driver age 40, no speeding tickets, no at-fault accidents, $1000 deductibles, and California minimum liability limits. Discounts applied include multi-vehicle, multi-policy, safe-driver, claim-free, and homeowner. Prices do not factor in specific garaging location which can lower or raise insurance rates noticeably.
The diagram below shows how different deductible levels and can affect Toyota Tundra insurance premiums for different age groups. The data is based on a married male driver, comprehensive and collision coverage, and no other discounts are factored in.
Toyota Tundra insurance premiums by gender
The example below shows the comparison of Toyota Tundra insurance rates for male and female drivers. The price estimates are based on a clean driving record, no at-fault accidents, full physical damage coverage, $500 deductibles, marital status is single, and no discounts are applied.
Get discounts on Riverside car insurance
Some companies don’t always publicize every discount they offer in an easy-to-find place, so we researched some of the best known as well as the least known discounts that you can inquire about if you buy Riverside auto insurance online.
- E-sign Discounts – Certain insurance companies provide a small discount for buying your policy on your computer.
- Drivers Ed for Students – It’s a good idea to have your young drivers complete a driver education course as it can save substantially.
- Driver Safety – Successfully completing a defensive driver course could cut 5% off your bill and also improve your driving technique.
- Accident Forgiveness – Not really a discount, but some companies like Allstate and GEICO will turn a blind eye to one accident before your rates go up if you are claim-free before the accident.
- Lower Rates for Military – Being on active deployment in the military could trigger a small discount.
- Employee of Federal Government – Federal government employees could cut as much as 10% off with select insurance companies.
- Include Life Insurance and Save – Select car insurance companies reward you with a lower price if you buy a life insurance policy as well.
- Safe Drivers – Insureds without accidents may save up to 50% more compared to accident prone drivers.
As is typical with insurance, some of the credits will not apply to the overall cost of the policy. A few only apply to the price of certain insurance coverages like collision or personal injury protection. Even though it may seem like you could get a free car insurance policy, companies don’t profit that way.
The information below illustrates the difference between Toyota Tundra auto insurance costs with and without discounts being applied to the rates. Data assumes a male driver, no claims or violations, California state minimum liability limits, full physical damage coverage, and $100 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with claim-free, safe-driver, multi-policy, homeowner, marriage, and multi-car discounts applied.
Auto insurance companies that have most of these discounts are:
Before purchasing a policy, check with each company or agent the best way to save money. Some of the discounts discussed earlier may not apply to policyholders in your area. If you would like to see a list of insurance companies that offer multiple discounts in Riverside, click this link.
Here’s why insurance is not optional
Even though it can be expensive, insuring your vehicle is required for several reasons.
- Just about all states have mandatory insurance requirements which means it is punishable by state law to not carry a minimum amount of liability insurance if you want to drive legally. In California these limits are 15/30/5 which means you must have $15,000 of bodily injury coverage per person, $30,000 of bodily injury coverage per accident, and $5,000 of property damage coverage.
- If you have a lien on your vehicle, almost every bank will require you to have comprehensive coverage to ensure the loan is repaid in case of a total loss. If the policy lapses, the lender may insure your Toyota at a much higher rate and require you to pay much more than you were paying before.
- Insurance protects both your Toyota Tundra and your assets. Insurance will also pay for hospital and medical expenses that are the result of an accident. Liability coverage, the one required by state law, also pays expenses related to your legal defense if you are sued as the result of your driving. If you have damage to your Toyota as the result of the weather or an accident, comprehensive and/or collision insurance will cover the repair costs.
The benefits of having insurance definitely exceed the cost, especially when you need to use it. According to a recent study, the average American driver is overpaying over $855 a year so smart consumers compare quotes every year to help ensure money is not being wasted.
Buying auto insurance from Riverside car insurance agents
Certain consumers still like to buy from a licensed agent and that is just fine! Agents are very good at helping people manage risk and help submit paperwork. A good thing about comparing rates online is that you can obtain cheaper prices and also buy local.
By using this short form, the quote information is sent to local insurance agents in Riverside who can give free rate quotes for your coverage. It’s much easier because you don’t need to leave your computer due to the fact that quote results will go directly to your email. If you wish to quote rates from one company in particular, you just need to search and find their rate quote page and fill out their quote form.
Finding the right provider shouldn’t rely on just a cheap price quote. Agents should be asked these questions:
- Does the agent help file claims?
- Are there any discounts for paying up front?
- Do they specialize in personal lines coverage in Riverside?
- Is assistance available after office hours?
- Are glass claims handled on-site or do you have to take your vehicle to a repair shop?
- Do they carry Errors and Omissions coverage?
If you prefer to buy auto insurance from an insurance agent, it can be helpful to understand the different types of agencies and how they are slightly different. Auto insurance agents can be described as either independent agents or exclusive agents depending on their employer. Both types can do a good job, but we need to point out the difference in how they write coverage since it may influence the kind of agent you use.
Exclusive Agents
Exclusive insurance agents can only write with one company and examples are Allstate, State Farm and Farm Bureau. Exclusive agencies are unable to shop your coverage around so you need to shop around if the rates are high. Exclusive agents receive a lot of sales training on their company’s products and that allows them to sell at a higher price point.
Shown below is a short list of exclusive agencies in Riverside who can help you get price quote information.
Lynne Dattilo – State Farm Insurance Agent
6560 Van Buren Boulevard a – Riverside, CA 92503 – (951) 689-3700 – View Map
Farmers Insurance – Anna Ramirez
3590 Central Ave #212 – Riverside, CA 92506 – (951) 274-0047 – View Map
Allstate Insurance: Kenneth Munaretto
3271 Arlington Ave – Riverside, CA 92506 – (951) 369-0277 – View Map
Independent Insurance Agents
Agents in the independent channel often have many company appointments and that is an advantage because they can write policies amongst many companies and find the cheapest rate. If they quote lower rates, they simply move your policy to a different company without you having to go to a different agency. When comparing auto insurance rates, you definitely need to include price quotes from a few independent agents to get the best comparison.
Below are independent insurance agencies in Riverside that are able to give price quotes.
Mey’s Insurance Services
5586 Mission Boulevard – Riverside, CA 92509 – (951) 684-0494 – View Map
Rick Plata Insurance Agency
4204 Riverwalk Pkwy #200 – Riverside, CA 92505 – (951) 801-2032 – View Map
Joseph Insurance Services
3694 Sunnyside Dr – Riverside, CA 92506 – (951) 683-0777 – View Map
After you get satisfactory answers and an affordable coverage quote, you may have found an auto insurance agent that is a good match to adequately provide auto insurance.