Who Has the Cheapest Insurance Quotes for a Toyota Tacoma in Alabama?

Our content editors always give us grief that when writing about auto insurance, the words “affordable” or “cheap” should not appear anywhere in the article to describe car insurance rates. It’s just reality that cheap car insurance for a Toyota Tacoma is almost non-existent. Don’t let that ruin your day, because there may be ways you can find insurance that won’t break your budget.

Your odds of finding cheaper auto insurance for a Toyota Tacoma in Alabama is contingent on a pretty complex algorithm that uses a lot of factors such as your age, if you have ever let your policy lapse, and if you have a clean driving record. Drivers in Alabama will pay around $1,280 per year for Tacoma insurance, but that amount is an estimate using rating data for a 30-year-old single female driver who purchased full physical damage coverage and $250 deductibles.

But there is a high likelihood that you are not a 30-year-old female, married instead of single, or maybe you are just looking for cheap liability insurance. Having even a minor difference in policy rating criteria or coverages can create big changes in the coverage rate.

Every auto insurance policy is unique to the driver, so your best chance at finding cheap insurance rates for your Toyota is to compare as many rates as you can. It takes less than five minutes and you will get price quotes from some of the best insurers that insure vehicles in Alabama.

Compare Toyota Tacoma Insurance Rates

The specific model of Tacoma will be a contributing factor to the insurance rate, so the cost to insure a Tacoma 2WD model will be $74 cheaper than the cost to insure the more well-appointed Tacoma Double Cab TRD Sport Package 4WD model, as shown in the table below.

Prices above based on single female driver age 30, no speeding tickets, no at-fault accidents, $250 deductibles, and Alabama minimum liability limits. Discounts applied include multi-policy, homeowner, multi-vehicle, safe-driver, and claim-free. Information does not factor in vehicle location which can affect auto insurance rates considerably.

Locating budget auto insurance is not most people’s favorite thing to do, and finding out which insurers offer the cheapest auto insurance rates for a Toyota Tacoma will take more quotes for comparison. Each auto insurer uses a different method for establishing rates, so let’s take a look at the auto insurance companies with the most affordable rates in Alabama.

Cheapest Insurance Rates for Your Tacoma

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Travelers generally has some of the lowest car insurance rates in Alabama at around $807 each year. Cincinnati Insurance, USAA, GEICO, and Safeway also are some of the best Alabama auto insurance companies.

As shown in the table above, if you are a policyholder with GEICO and switched to Cincinnati Insurance, you could realize yearly savings of in the neighborhood of $207. Alabama drivers with Safeway might save as much as $370 a year, and Country insureds might lower prices by up to $383 a year.

These premium estimates are averaged for all drivers and vehicles and and are not calculated with a specific rate value for a Toyota Tacoma. So the car insurance company that fits your situation best may not even be in the above rate chart. That points out the importance of why you need to get quotes using your own driver and vehicle profiles.

The illustration below shows how choosing a deductible can affect yearly insurance costs when quoting cheap insurance for a Toyota Tacoma. Data assumes a married male driver, full coverage, and no discounts are factored in.

In the chart above, a 50-year-old driver could lower their car insurance rates by $318 a year by switching their comprehensive and collision coverages from a $100 deductible up to a $500 deductible, or save $478 by switching to a $1,000 deductible. Even younger insureds, like the 20-year-old example, can cut $1,068 or more by selecting a higher deductible. When insureds make the decision to increase the deductibles on their policy, it’s a good idea to have enough savings set aside to satisfy the extra out-of-pocket expense, which is the one inconvenience of using high deductibles.

Is Progressive, State Farm, Allstate, or Geico cheaper?

If you are shopping around for insurance for a Tacoma in Alabama, four companies to consider are Progressive, State Farm, Allstate, and Geico. Combined they have over 48% of all auto insurance written. The next table breaks down some of the different features offered by each company.

How to get the cheapest insurance for a Toyota Tacoma in Alabama

Below you’ll find some of the better money-saving solutions that can help Alabama drivers locate cheaper coverage.

• Get cheaper liability coverage by choosing a safer vehicle
• Do not get into accidents
• Maintaining good credit helps earn cheaper rates
• Tickets and violations raise rates
• Full coverage is expensive so only insure older vehicles for liability only
• Raise deductibles to save money
• Compare quotes from other companies often

The last tip in the list is extremely vital, as we hit on in this piece. Prices charged by companies vary greatly, so don’t be afraid to buy from a new company if a lower-cost policy is available. Having brand loyalty is commendable, but we do not recommend it if that dedication is costing money that could be spent on other things. If you have a few minutes, shop around to find cheaper car insurance for a Toyota Tacoma.

Best cheap Toyota Tacoma insurance quotes

There are a variety of different ways to find lower-cost auto insurance in Alabama, but the most frequently used are through a non-exclusive or independent agent, an exclusive insurance agent like Allstate or Auto-Owners, or direct from companies such as Progressive or Geico. All three ways are similar, but they differ slightly in how they price policies.

Independent agents have contracts with multiple insurance companies and can compare coverage rates with each one. These agents are not locked into one company and can provide you with more rates, which can help you get improved odds of finding cheaper coverage. If the agent locates a cheaper price, an independent agent can move your coverage without you having to go to a different agency.

An exclusive agent is limited to a single insurance company like a State Farm or Liberty Mutual agent. These agents are unable to quote prices from more than a single company, so it’s a good idea to shop around.

The last way is buying direct, which means you skip either of the other two types of agents and buy direct from companies such as Esurance or Geico. Buying auto insurance direct may be good for people who do not have a need for a risk management assessment and have some degree of understanding of what limits they need.

Which method works best to find the cheapest insurance for a Toyota Tacoma in Alabama? The obvious answer would be buying from a direct company yields the cheapest rates since that eliminates agent commissions, but in reality, that is not the case. A valid argument could also be made that going through an independent agent results in the best rates due to having more companies to select from, but that assumption is not true either. And sometimes, exclusive agencies may have very competitive prices that are the cheapest.

Since auto insurance companies use so many rating factors, really the only way to get the lowest rate is to compare lots of quotes. Money-saving experts recommend you get quotes from all three types to have a good selection of rates to choose from. For a list of companies with some of the cheapest Alabama auto insurance rates, click here to view.