Who Has the Cheapest Insurance for a Toyota Tundra in Tennessee?

Your ability to find cheap auto insurance for a Toyota Tundra in Tennessee depends on factors like how long your commute is, whether you are claim-free, and if you have any chargeable driving offenses. Drivers in Tennessee will pay around $1,000 per year for Tundra insurance, but that cost is a projection assuming a 40-year-old single male that includes full physical damage coverage and $500 deductibles.

When projecting a rate like this, the problem is that you are not 40 years old and maybe not even male, married instead of single, or maybe you prefer liability limits higher than required by Tennessee state law. Have just a small change in price quote data can cause large differences in the cost of insurance.

Everyone has different rating factors, so the best way to find cheap car insurance rates for your Toyota is to put in the effort to do a thorough rate comparison.

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The specific model of Tundra will have an impact the coverage cost, so the price you pay to insure a Tundra Regular Cab 2WD trim level will be $194 less than the price to insure the more expensive Tundra SR/5 Crew Max 4WD version, as shown by the rates below.

Table data assumes single male driver age 40, no speeding tickets, no at-fault accidents, $500 deductibles, and Tennessee minimum liability limits. Discounts applied include safe-driver, multi-vehicle, homeowner, claim-free, and multi-policy. Table data does not factor in vehicle location which can influence coverage prices considerably.

Insuring your vehicle with the right insurance provider is difficult considering how many companies sell insurance in Tennessee. The ranking information below may help you analyze which car insurance providers you want to consider purchasing coverage from.

The rankings below are for the largest auto insurers in America, so companies that focus mainly on Tennessee business are not included in these rankings. If you wish to compare rates from these companies and more, click this link.

Top 10 Large Auto Insurers in Tennessee Ranked by Value

1. Travelers
2. American Family
3. Safeco Insurance
4. AAA Insurance
5. The Hartford
6. Progressive
7. Erie Insurance
8. Esurance
9. 21st Century
10. Titan Insurance

Top 10 Large Auto Insurers in Tennessee Ranked by Customer Satisfaction

1. USAA – 91%
2. AAA Insurance – 90%
3. Esurance – 90%
4. Nationwide – 89%
5. Travelers – 88%
6. Progressive – 88%
7. Safeco Insurance – 88%
8. State Farm – 88%
9. Allstate – 88%
10. The Hartford – 87%

Top Companies for Toyota Tundra Insurance in Tennessee

Accidents and violations increase rates

A great way to enjoy the most affordable auto insurance prices in Tennessee for a Tundra is to be a careful driver and not get tickets or have accidents. The illustration below demonstrates how citations and accident claims increase auto insurance costs for different ages of insureds. The premiums are based on a married male driver, full coverage, $1,000 deductibles, and no other discounts are factored in.

google.charts.setOnLoadCallback(drawVioqcibChart);function drawVioqcibChart() {var data = google.visualization.arrayToDataTable([[‘Age of Insured’, ‘No Violations or Accidents’, ‘One Speeding Ticket and No Accidents’, ‘One Speeding Ticket and One Accident’],[‘Age 20’, 2291,2493,3047],[‘Age 30’, 1187,1387,1939],[‘Age 40’, 1161,1359,1913],[‘Age 50’, 1067,1271,1819],[‘Age 60’, 1047,1247,1799],[‘Age 70’, 1233,1437,1985]]);var options = {title: ‘Impact of Citations and Accidents on Tennessee Toyota Tundra 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 Tundra in Tennessee’,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);}

The data charted above shows the average cost of an auto insurance policy in Tennessee per year with no accidents and a clean driving record is $1,331. Add in one speeding ticket and the average cost jumps to $1,532, an increase of $201 each year. Now include one accident along with the one speeding ticket and the yearly cost of auto insurance for a Toyota Tundra increases to an average of $2,084. That’s an increase of $753, or $63 per month, just for not being more responsible behind the wheel!

Discounts on Tennessee auto insurance rates

Car insurance companies that sell the cheapest insurance for a Toyota Tundra in Tennessee may provide special discounts that can lower rates by 35% or more if you meet the requirements. Larger auto insurance companies and some of their more popular discounts can be found below.

• Farm Bureau offers discounts including driver training, multi-vehicle, good student, renewal discount, multi-policy, 55 and retired, and youthful driver.
• MetLife discounts include good student, multi-policy, defensive driver, good driver, and claim-free.
• Progressive has discounts for multi-policy, multi-vehicle, homeowner, online quote discount, and continuous coverage.
• AAA has savings for good student, anti-theft, education and occupation, good driver, and pay-in-full.
• American Family may have discounts that include mySafetyValet, good driver, TimeAway discount, defensive driver, and accident-free.
• GEICO policyholders can earn discounts including driver training, multi-policy, federal employee, five-year accident-free, anti-theft, emergency military deployment, and membership and employees.
• State Farm may offer discounts for safe vehicle, driver’s education, student away at school, anti-theft, accident-free, and defensive driving training.

The example below shows the difference between insurance costs with and without discounts. The data assumes a female driver, no driving violations, no at-fault accidents, Tennessee state minimum liability limits, comprehensive and collision coverage, and $100 deductibles. The first bar for each age group shows the average annual price with no discounts. The lower bar shows the rates with anti-theft, vehicle safety, claim-free, multiple vehicle, accident-free, and safe-driver discounts applied. With discounts applied, the the average amount saved on auto insurance for a Toyota Tundra is 28% or $600.

google.charts.setOnLoadCallback(drawDiscqcibChart);function drawDiscqcibChart() {var data = google.visualization.arrayToDataTable([[‘Age of Insured’, ‘Female Driver No Discounts’, ‘Female Driver with Discounts’],[‘Age 20’, 3197,2305],[‘Age 30’, 2231,1619],[‘Age 40’, 2065,1499],[‘Age 50’, 1805,1311],[‘Age 60’, 1745,1267],[‘Age 70’, 2023,1463]]);var options = {title: ‘Insurance Rate Comparison for a Toyota Tundra’,titleTextStyle: {color: ‘#333’,fontSize: 17,bold: true},width: ‘100%’,height: 500,’chartArea’:{left:100,top:50,’width’: ‘100%’, ‘height’: ‘70%’},legend: {position: ‘bottom’},colors: [‘#c096ca’, ‘#e1b7ec’],hAxis: {title: ‘Annual Insurance Cost for a Toyota Tundra in Tennessee’,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(‘qcibdisc’));chart.draw(data, options);}

Find the cheapest insurance for a Toyota Tundra in Tennessee

Lowering your rates is not difficult, and here are a few penny-pinching solutions that can help Tennessee drivers quote cheaper car insurance.

• Get cheaper liability coverage by choosing a safer vehicle
• Avoid having at-fault accidents
• Do not get tickets or violations
• Drivers with good credit ratings often pay less
• Try paying for small claims out-of-pocket
• Compare price quotes at least once a year

That last idea is notably significant, as we pointed out in this article. Car insurance prices change frequently, so don’t be tentative to change to a new company if you can find a cheaper rate. Being loyal to a particular company is commendable, but is isn’t recommended if that loyalty results in overpaying money that could be going to better use. Now is a great time to shop around and find cheaper auto insurance for a Toyota Tundra.

Cheap Toyota Tundra insurance quotes

There are many different ways to compare cheaper auto insurance rates in Tennessee, but the most common ways are from an exclusive insurance agent such as Allstate or Auto-Owners, a non-exclusive or independent agent, or direct online or over the phone from a company like Progressive or Geico. They all have the same basic principle, but buyers need to know the differences in how they price policies.

Independent agencies write for multiple companies and can do rate comparisons with all of them. These types of agents do not write with just one company and can give you more rate choices, which can give you the best shot at cutting your rates. If you want to switch companies, it’s easy for the agent to move the policy and you don’t have to switch agencies.

An exclusive agent is restricted to one insurance company, for example an Auto-Owners or State Farm agent. They usually cannot place coverage with different providers, so they have no alternatives for high prices.

If you want to buy auto insurance direct, you forego the middleman (the agent) and buy from a direct company like Progressive or Geico. Buying direct may be good for consumers who have little risk and know what coverages, limits, and deductibles they need.

Which way works best for finding the cheapest insurance for a Toyota Tundra in Tennessee? It would be easy to say buying from a direct car insurance company yields the cheapest rates since that prevents the need to pay agent commissions, but unfortunately, it’s not that simple. And we’d like to say using an independent agent guarantees the cheapest rates because they can quote many companies, but again, that’s not accurate. In the right set of circumstances, exclusive agents have very competitive rates that other auto insurance companies cannot touch.

Since auto insurance prices are based on many different factors, the best method to buy the cheapest policy is to get quotes and compare. Smart shoppers will get price quotes from all three to give yourself enough choices. To see some of the cheapest online companies available, click here to view.

Best rates: Progressive, State Farm, Geico, or Allstate

When it comes to buying insurance for a Tundra, four companies to definitely compare rates with are Progressive, State Farm, Geico, and Allstate. All of them have unique coverages that may influence your buying decision. The table below ranks some of the different features that are available for buyers.