Cheapest Insurance for a Toyota Tundra in Massachusetts

Our editors always tell us that when writing about auto insurance, the word cheap really shouldn’t be used anywhere in the article as a descriptor for auto insurance rates. Nonetheless, cheap auto insurance for a Toyota Tundra can seem impossible to find. But don’t despair, because we can show you some ways you can still get car insurance that won’t break the bank.

The chances of finding cheap coverage for a Toyota Tundra in Massachusetts is dependent upon a large number of factors such as how old the Tundra is, where you live, and if you have tickets or violations. Massachusetts drivers pay around $1,130 a year to insure a Tundra, but that rate is an estimate using a 30-year-old single female who needs full physical damage coverage and $1,000 deductibles.

It’s more than likely that you are not 30 years old and maybe not even female, married instead of single, or you have a violation or two on your driving record. What people think is a minor change in the factors used in pricing a policy can make a huge difference in how much insurance for a Toyota Tundra costs.

Auto insurance requires individual risk assessment, so your best shot at finding the cheapest insurance price for your Toyota is to shop your policy around every couple of years. Quotes only take a couple of minutes and you can get prices from the best companies available.

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The trim level of your Toyota has an effect on the insurance rate, so the price you will be charged to insure a Tundra Regular Cab 2WD trim level will be $188 less expensive the price to insure the more well-appointed Tundra SR/5 Crew Max 4WD trim level, as shown in the prices below.

Data variables include single female driver age 30, no speeding tickets, no at-fault accidents, $1000 deductibles, and Massachusetts minimum liability limits. Discounts applied include claim-free, homeowner, multi-vehicle, multi-policy, and safe-driver. Price estimates do not factor in garaging location in Massachusetts which can change price quotes considerably.

What is the best insurance company in Massachusetts?

Ending up with the top auto insurance company can be challenging considering how many companies provide coverage in Massachusetts. The ranking data in the lists below can help you analyze which car insurance providers to look at purchasing a policy from. The rankings below include major nationwide insurance companies, so smaller companies are not factored into the list.

The chart below demonstrates how deductible levels can affect annual premium costs when researching cheap insurance for a Toyota Tundra. The information is based on a married male driver, full physical damage coverage, and no discounts are applied.

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In the chart above, a 50-year-old driver could reduce rates by $278 a year by switching from a $100 deductible to a $500 deductible, or save $420 by choosing a $1,000 deductible. Youthful drivers, such as the Age 20 example, could reduce their rates up to $928 or even more by using higher deductibles when buying full coverage.

If you do raise deductibles, it’s a good idea to have enough savings to enable you to pay the extra out-of-pocket expense, which is the main drawback of higher deductibles.

Discount Massachusetts insurance rates

Car insurance companies that sell the cheapest insurance for a Toyota Tundra in Massachusetts may have policy discounts that may potentially lower prices by as much as 25% or more if you meet eligibility requirements. A few popular companies and a summarized list of policyholder discounts are outlined below.

• GEICO has discounts for driver training, daytime running lights, defensive driver, five-year accident-free, membership and employees, good student, and federal employee.
• MetLife policyholders can earn discounts including multi-policy, good driver, claim-free, defensive driver, good student, and accident-free.
• State Farm may have discounts that include good student, multiple policy, student away at school, Drive Safe & Save, passive restraint, and safe vehicle.
• Progressive has savings for multi-vehicle, online quote discount, online signing, multi-policy, continuous coverage, good student, and homeowner.
• Mercury Insurance may offer discounts for annual mileage, type of vehicle, location of vehicle, ease of repair, good driver, and accident-free.
• 21st Century offers premium reductions for air bags, automatic seat belts, early bird, 55 and older, theft prevention, homeowners, and anti-lock brakes.
• Allstate offers discounts including FullPay discount, 55 and retired, teenSMART discount, premier plus, farm vehicle, auto/life discount, and anti-theft.

The example below compares car insurance costs with and without discounts applied. The premiums assume a male driver, no driving violations, no at-fault accidents, Massachusetts state minimum liability limits, comp and collision included, and $1,000 deductibles.

The first bar for each age group shows the price with no discounts. The second shows the rates with passive restraint, claim-free, accident-free, multiple policy, defensive driving course, and anti-theft discounts applied. With discounts applied, the the average amount saved on insurance for a Toyota Tundra is 28% or $538.

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