Best Cheap Insurance Quotes for a Toyota Tacoma in Vermont

Your chances of finding cheaper insurance for a Toyota Tacoma in Vermont is contingent on things like the safety features of your vehicle, the condition of your credit, and any prior driving offenses. Drivers on average pay approximately $500 annually to buy insurance for a Toyota Tacoma, but that amount is an estimation calculated using a 50-year-old married male driver who needs both comprehensive and collision coverage and $1,000 policy deductibles.

When making auto insurance estimates, the issue arises that you are not exactly 50 years old and possibly not even male, possibly single instead of married, or possibly you just want cheap liability coverage. Even a slight change in the factors used to determine rates can lead to a big change in the cost of insurance.

Car insurance rates are unique for each driver, so the only way to find the cheapest coverage for your Toyota is to make a habit of comparing rates at every renewal.

Find Cheaper Toyota Tacoma Insurance

Your vehicle’s trim level will have an impact the yearly cost, so the price you will be charged to insure a Tacoma 2WD will be $22 less than the price to insure the more costly Tacoma Double Cab TRD Sport Package 4WD trim level, as shown in the table below.

Above prices assume married male driver age 50, no speeding tickets, no at-fault accidents, $1000 deductibles, and Vermont minimum liability limits. Discounts applied include homeowner, multi-policy, claim-free, safe-driver, and multi-vehicle. Rate information does not factor in vehicle garaging location which can modify rates substantially.

Deciding which companies have the cheapest car insurance rates for a Toyota Tacoma takes a little more work than just quoting one company’s rates.

Each auto insurance company used slightly different criteria for determining rates, so let’s examine the car insurance companies that tend to have lower prices in Vermont.

Best Car Insurance Prices for Your Tacoma

Compare Rates and Save

Safeco quotes some of the most affordable car insurance rates in Vermont at around $467 annually. California Casualty, The Hartford, USAA, and Travelers also qualify as some of the most economical Vermont insurance companies.

In the above example, if you are a customer of The Hartford and switched to Safeco, you may realize a yearly savings of in the vicinity of $160. Policyholders with USAA may save as much as $171 a year, and Travelers policyholders might reduce rates by $248 a year.

To find out how your current rates compare, click here to begin a quote or feel free to get quotes from the companies below.

These premiums are averages for all insureds and vehicles and and are not figured with a specific rate value for a Toyota Tacoma. So the car insurance company that fits your situation best may not even be featured in the list above. That is why you need to get rate quotes using your own personal information and vehicle type.

Violations and accidents raise rates

The recommended way to obtain the best cheap insurance for a Toyota Tacoma in Vermont is to be a cautious driver and have a clean driving record. The example below illustrates how violations and at-fault collisions can drive up insurance costs for different ages of insureds. Data assumes a married female driver, comprehensive and collision coverage, $100 deductibles, and no discounts are factored in.

google.charts.setOnLoadCallback(drawVioqcibChart);function drawVioqcibChart() {var data = google.visualization.arrayToDataTable([[‘Age of Insured’, ‘No Violations or Accidents’, ‘Two Speeding Tickets and No Accidents’, ‘Two Speeding Tickets and Two Accidents’],[‘Age 20’, 1913,2489,4479],[‘Age 30’, 1345,1919,3907],[‘Age 40’, 1331,1903,3893],[‘Age 50’, 1163,1739,3725],[‘Age 60’, 1109,1683,3671],[‘Age 70’, 1199,1773,3763]]);var options = {title: ‘Impact of Tickets and Accidents on Vermont Toyota Tacoma Insurance’,titleTextStyle: {color: ‘#333’, fontSize: 17, bold: true},width: ‘100%’,height: 600,’chartArea’: {left:100,top:50,’width’: ‘100%’, ‘height’: ‘70%’},legend: {position: ‘bottom’,textStyle: {fontSize: 12}},colors:[‘#b2da64′,’#eed355′,’#e39e71’],hAxis: {title: ‘Annual Insurance Cost for a Toyota Tacoma in Vermont’,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);formatter.format(data,3);var chart = new google.visualization.BarChart(document.getElementById(‘qcibvio’));chart.draw(data, options);}

In the prior example, the average cost of car insurance in Vermont per year with no accidents or violations is $1,343. Get two speeding tickets and the average cost swells to $1,918, an increase of $574 each year. Then add in two accidents along with the two speeding tickets and the annual cost of car insurance for a Toyota Tacoma increases to an average of $3,906. That’s an increase of $2,563, or $214 per month, just for not driving attentively!

The illustration below illustrates how choosing a deductible can raise or lower annual premium costs when getting quotes for cheap insurance for a Toyota Tacoma. The data assumes a married female driver, comprehensive and collision coverage, and no other discounts are factored in.

google.charts.setOnLoadCallback(drawDfdqcibChart);function drawDfdqcibChart() {var data = google.visualization.arrayToDataTable([[‘Age of Insured’, ‘$100 Deductible’,’$250 Deductible’,’$500 Deductible’,’$1,000 Deductible’],[‘Age 20’, 1657,1527,1377,1237],[‘Age 30’, 1163,1071,959,853],[‘Age 40’, 1149,1061,955,853],[‘Age 50’, 1011,933,841,753],[‘Age 60’, 963,889,801,715],[‘Age 70’, 1027,947,859,773]]);var options = {title: ‘Comparison of Deductible Levels and Toyota Tacoma Insurance Rates in Vermont’,titleTextStyle: {color: ‘#333’,fontSize: 17,bold: true},width: ‘100%’,height: 700,’chartArea’: {left:100,top:50,’width’: ‘100%’,’height’: ‘80%’},legend: {position: ‘bottom’,textStyle: {fontSize: 12}},bar: {groupWidth: ‘80%’},colors: [‘#6791b9′,’#75a8d8′,’#98bee2′,’#bad4ec’],hAxis: {title: ‘Annual Insurance Cost for a Toyota Tacoma’,minValue: 0,format: ‘$###,###’},vAxis: {title: ‘Age of Insured’}};var formatter = new google.visualization.NumberFormat({fractionDigits: 0,prefix: ‘$’});formatter.format(data,1);formatter.format(data,2);formatter.format(data,3);formatter.format(data,4);var chart = new google.visualization.BarChart(document.getElementById(‘qcibdfd’));chart.draw(data, options);}

In the chart above, a 40-year-old driver could cut expenses by $170 a year by increasing from a $100 deductible up to a $500 deductible, or save $258 by switching to a $1,000 deductible. Young drivers, like the 20-year-old category, could possibly save up to $420 each year just by choosing higher deductibles when buying full coverage. When using a larger deductible, it is essential to have enough funds in savings to cover the extra out-of-pocket expense associated with higher deductibles.

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

When shopping around for car insurance, the top insurers to get price quotes from are Geico, Progressive, Allstate, and State Farm. If you add them together, they insure about 50% of all auto insurance policies in force. Each one has a little bit different set of discounts and options that you can select from. The next table illustrates pricing and service ratings, as well as optional policy coverages that may be available in Vermont.