Best Cheap Insurance for a Toyota Tundra in Connecticut

The odds of finding the cheapest insurance for a Toyota Tundra in Connecticut is dependent upon lots of different rating factors like if you own your home, the performance level of your vehicle, and driving violations and tickets. Connecticut drivers pay an average rate of $1,470 per year to insure their Tundra, but that amount is a valuation based on cost data for a 40-year-old single male driver that wants full coverage and $100 deductibles.

There is a high likelihood that you’re not a 40-year-old male, you might be married instead of single, or maybe you do not need full coverage. Every driver has different characteristics, so your best chance at finding the cheapest insurance price for your Toyota is to comparison shop your policy at every renewal or at least every couple of years. Quotes only take a few minutes and you will get price quotes from the cheapest companies that sell coverage in Connecticut.

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The trim level of your vehicle will likely have an effect on the annual cost of coverage, so the price you will be charged to insure a Tundra Regular Cab 2WD will be $332 cheaper than the insurance cost for the more expensive Tundra SR/5 Crew Max 4WD trim level, as shown in the prices below.

Prices based on single male driver age 40, no speeding tickets, no at-fault accidents, $100 deductibles, and Connecticut minimum liability limits. Discounts applied include multi-vehicle, homeowner, claim-free, multi-policy, and safe-driver. Price estimates do not factor in your specific Connecticut location which can affect premium rates noticeably.

Connecticut insurance companies

Selecting a highly-rated car insurance company is difficult considering how many different companies insure vehicles in Connecticut. The information in the next section may help you pick which coverage providers you want to consider when comparing rate quotes.

These ratings are only made up of the largest companies in America, so companies without a large exposure are not included in the list. If you wish to compare prices and find cheaper insurance for a Toyota Tundra, click this link.

Top 10 Major Auto Insurance Providers Overall in Connecticut

1. The General
2. The Hartford
3. Progressive
4. Travelers
5. State Farm
6. Farmers Insurance
7. Safeco Insurance
8. USAA
9. GEICO
10. 21st Century

Top 10 Major Auto Insurance Providers in Connecticut Ranked by Customer Service

1. The Hartford
2. American Family
3. Progressive
4. GEICO
5. USAA
6. State Farm
7. Travelers
8. Farmers Insurance
9. Allstate
10. Safeco Insurance

Top Companies for Toyota Tundra Insurance in Connecticut

The information below shows how choosing a deductible can influence insurance rates when getting quotes for cheap insurance for a Toyota Tundra. The prices are based on a single female driver, comprehensive and collision coverage, and no discounts are applied to the premium.

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In the chart above, a 50-year-old driver could pocket $276 a year by changing their physical damage coverage from a $100 deductible to a $500 deductible, or save $416 by switching to a $1,000 deductible. Even younger insureds, like the Age 20 chart data, could roll back prices as much as $694 or even more by using higher deductibles when buying full coverage. When insureds make the decision to increase the deductibles on their policy, it will be important to have enough savings set aside to enable you to pay the extra out-of-pocket expense, which is the primary disadvantage of high deductibles.

Should you buy full coverage?

Finding the best cheap insurance for a Toyota Tundra in Connecticut is the goal of most vehicle owners, and one of the easiest ways to pay less for insurance is to buy liability only. The information below illustrates the difference between auto insurance rates when comparing full coverage to liability only. The costs are based on no claims or driving violations, $500 deductibles, single marital status, and no discounts are applied.

google.charts.setOnLoadCallback(drawFclqcibChart);function drawFclqcibChart() {var data = google.visualization.arrayToDataTable([[‘Age of Insured’, ‘Full Coverage with $500 Deductibles’, ‘Liability Only’],[‘Age 20’, 3487,1381],[‘Age 30’, 1835,757],[‘Age 40’, 1791,701],[‘Age 50’, 1635,657],[‘Age 60’, 1587,645],[‘Age 70’, 1963,863]]);var options = {title: ‘Rate Comparison of Full Coverage and Liability Only’,titleTextStyle: {color: ‘#333’,fontSize: 17,bold: true},width: ‘100%’,height: 500,’chartArea’: {left:100,top:50,’width’: ‘100%’, ‘height’: ‘70%’},legend: {position: ‘bottom’},colors: [‘#6791b9′,’#98bee2’],hAxis: {title: ‘Annual Insurance Cost for a Toyota Tundra in Connecticut’,minValue: 0,format: ‘$###,###’},vAxis: {title: ‘Age of Insured’}};var formatter = new google.visualization.NumberFormat({fractionDigits: 0,prefix: ‘$’});formatter.format(data,1);formatter.format(data,2);var chart = new google.visualization.BarChart(document.getElementById(‘qcibfcl’));chart.draw(data, options);}

If the expense is averaged for all age categories, comp and collision coverage costs an additional $2,050 per year over and above liability only. Many drivers may wonder if physical damage coverage is worth the money. There is no exact rule of when to drop comp and collision coverage, but there is a general guideline. If the yearly cost of full coverage is more than around 10% of any settlement you would receive from your insurance company, then it might be time to consider dropping full coverage.

For example, let’s say your vehicle’s claim settlement value is $10,500 and you have $1,000 full coverage deductibles. If your vehicle is totaled in an accident, the most your company will settle for is $9,500 after the policy deductible has been paid. If you are currently paying more than $950 annually to have full coverage, then it might be time to buy liability only.

State Farm, Allstate, Geico, and Progressive: Who is cheapest?

When buying insurance for a Tundra, probably the best companies to start with are State Farm, Allstate, Geico, and Progressive. They all have the same basic coverages, but each one has slightly different options that may influence your buying decision. The following table ranks some of the different features that policyholders can buy.

Cheap Toyota Tundra insurance quotes

Due to technology, there are many ways to quote insurance rates in Connecticut, but the most common methods are using an independent or non-exclusive agent, an exlusive agent like Auto-Owners or State Farm, or from a direct company like Geico or Progressive.

You can use whichever you prefer, but they differ slightly in how they price policies.

Independent insurance agents work for many companies and can quote your policy with each one. These types of agents have the freedom to give you more rates, which may provide you with a better chance of saving money. If you want to switch companies, the agent simply finds a different carrier and you don’t have to find a new agent.

Exclusive agents are only able to quote rates from a single insurance company, two examples being Farmers Insurance or State Farm agents. This type of agents cannot compare rates from other companies, so they have to upsell other benefits.

Choosing to buy insurance direct means you skip an independent or exclusive agent and instead buy direct either online or via phone. This insurance option may be the best choice drivers who do not need risk management and have an above average understanding of how their policy works.

So which one of the three ways works best to buy the best cheap insurance for a Toyota Tundra in Connecticut? We’d like to tell you shopping direct saves the most money since that eliminates agent commissions, but unfortunately, it’s not that cut and dried. It could also be said going through an independent agent saves the most money since they have access to many companies, but that assumption is also not accurate. For some people, exclusive agencies have price quotes that are the cheapest in Connecticut.

Since insurance prices are based on many different factors, the best method to ensure the lowest rates is to compare rate quotes from as many companies as possible. Put in the effort to get prices from all three to get an idea of which is cheapest. A great place to start is our list of online companies offering discounts: click here to view.