Best Cheap Insurance Quotes for a Toyota Tundra in Maine

When writing about shopping for car insurance, the words “affordable” or “cheap” should never be used anywhere in the article to describe car insurance prices. Excuse the oxymoron, but cheap auto insurance for a Toyota Tundra may be a thing of the past. We’ll try to make it up to you, because there may be ways you can still get coverage that works with your budget.

Your odds of finding cheaper coverage for a Toyota Tundra in Maine depends on many rating criteria such as annual miles driven, whether or not you garage your vehicle, and any prior driving citations you have received. Maine drivers will pay around $810 annually for Tundra insurance, but that price is a ballpark figure using rate data for a 40-year-old single female driver who purchased full physical damage coverage and $250 deductibles.

When estimating a car insurance rate like we just did, the issue is that you are not a 40-year-old female, maybe you are married instead of single, or maybe your Tundra is old enough that it doesn’t require full coverage. Making minor changes in policy rating variables can make a huge difference in the price of coverage.

Every driver has a different risk profile, so the most reliable way to find cheap insurance rates for your Toyota is to compare rates from as many companies as possible. Quotes are always free and you will receive prices from some of the best companies in Maine.

Find Cheaper Toyota Tundra Insurance

The specific trim level tends to have a direct impact on the yearly cost, so the rate you pay to insure a Tundra Regular Cab 2WD model will be $166 lower than the cost to insure the higher-end Tundra SR/5 Crew Max 4WD trim level, as shown in the table below.

Data rating is based on single female driver age 40, no speeding tickets, no at-fault accidents, $250 deductibles, and Maine minimum liability limits. Discounts applied include homeowner, multi-vehicle, claim-free, multi-policy, and safe-driver. Price estimates do not factor in specific location information which can lower or raise prices considerably.

Trying to buy low-cost auto insurance is difficult, and finding out which companies offer the cheapest car insurance rates for a Toyota Tundra takes even more shopping around.

Every auto insurer uses a slightly different approach for determining rates in each state, so we’ll go over the car insurance companies with the overall best prices in Maine.

Find the Cheapest Car Insurance for Your Tundra

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USAA quotes some of the lowest car insurance rates in Maine at around $622 annually. Travelers, Vermont Mutual, Countryway Insurance, and The Hartford also qualify as some of the cheapest Maine car insurance companies.

In the rate table above, if you are a policyholder with Countryway Insurance and switched to Travelers, you could realize an annual savings of in the vicinity of $89. Drivers with The Hartford could save as much as $96 a year, and Patriot insureds might reduce prices by as much as $114 a year.

These policy rates are averaged across all insureds and vehicles and do not factor in a specific rating modification for a Toyota Tundra. So the auto insurance company that fits your age and vehicle best may not even be featured in the above rate chart. That underscores the importance of why you need to compare prices as often as possible using your own driver data and vehicle information.

Careless driving habits raise Maine car insurance rates

The easiest method to score the best cheap insurance for a Toyota Tundra in Maine is to drive safely and avoid accidents and traffic citations. The diagram below illustrates how speeding tickets and at-fault claims raise premium costs for each age group. The premium estimates are based on a married male driver, comprehensive and collision coverage, $1,000 deductibles, and no discounts are taken into consideration.

The data in the chart shows the average cost of auto insurance in Maine per year with no violations or accidents is $946. Get written up for two speeding tickets and the average cost increases to $1,294, an increase of $348 each year. Then throw in two accidents along with the two speeding tickets and the annual cost of car insurance for a Toyota Tundra jumps again to an average of $2,770. That’s an increase of $1,824, or $152 per month, just for not being more responsible behind the wheel!

The diagram below demonstrates how deductibles can influence annual premium costs when getting quotes for cheap insurance for a Toyota Tundra. The data assumes a married female driver, full physical damage coverage, and no discounts are applied to the premium.

A 40-year-old driver could reduce rates by $198 a year by increasing from a $100 deductible to a $500 deductible, or save $302 by choosing a $1,000 deductible. Youthful drivers, like the 20-year-old category, could reduce their rates up to $498 annually just by choosing higher deductibles.

When insureds make the decision to increase the deductibles on their policy, it will be important to have plenty of savings on hand to allow you to pay the extra out-of-pocket expense. This is the primary disadvantage of choosing high deductibles.

How to find economical insurance for a Toyota Tundra

It’s not impossible to find cheaper rates, and here are some of the better thrifty solutions that can help you buy cheap auto insurance.

• Bundle car and home insurance and save money
• Vehicles with good safety ratings are usually cheaper to insure
• Try to not file small claims
• Save money by obeying traffic laws and keeping a clean driving record
• Accidents can significantly increase rates
• Drop full coverage on older vehicles
• Keep rates low by shopping around frequently

The last idea is remarkably significant, as was discussed in the prior article. Insurance prices in Maine adjust frequently, so don’t be tentative to switch companies if a cheaper price is available. Many consumers stick with the same company and that’s fine, but it isn’t a good idea if that stubbornness costs you a wad of cash every year. Take a few minutes and compare prices and find cheaper car insurance for a Toyota Tundra.