Who Has Cheap Insurance Quotes for a Toyota Tacoma in Maine?

The chances of buying the cheapest car insurance for a Toyota Tacoma in Maine depends upon a complex equation that considers factors like the safety features built into your vehicle, your credit history, and deductible levels for physical damage coverage. Drivers in Maine pay an average of $540 each year to buy insurance for a Toyota Tacoma, but that policy rate is a ballpark figure based on rate data for a 50-year-old married male that included full comprehensive and collision coverage and $250 deductibles.

When projecting a rate like this, the problem is that you are not 50 years old and maybe not even male, possibly single instead of married, or you have a violation or two on your driving record. What seems to be a small difference in input factors can make a big difference in the price of a policy.

Auto insurance requires individual risk assessment, so the most reliable method for finding cheap insurance rates for your Toyota is to start the habit of comparing rates at least once a year. It takes less than five minutes and you will receive price comparisons from some of the best companies around.

Click to Compare Rates Now

The trim level of your vehicle tends to impact the coverage cost, so the price to insure a Tacoma 2WD trim level will be $30 less than the insurance cost for the high end Tacoma Double Cab TRD Sport Package 4WD model, as shown in the table below.

Table data represents married male driver age 50, no speeding tickets, no at-fault accidents, $250 deductibles, and Maine minimum liability limits. Discounts applied include safe-driver, homeowner, multi-policy, claim-free, and multi-vehicle. Rates do not factor in garaging location in Maine which can influence price quotes greatly.

Ending up with a good quality insurance company is difficult considering how many choices you have in Maine. The company ratings in the next section could help you select which car insurance companies you want to consider when comparing auto insurance rates for a Toyota Tacoma.

These rankings are only made up of companies with a national presence, so companies that may only write in Maine are not factored into these rankings. If you wish to compare rates from many more Maine auto insurance companies, follow this link.

Top 10 Large Auto Insurers Overall in Maine

1. The General
2. The Hartford
3. Progressive
4. Travelers
5. State Farm
6. Farmers Insurance
7. Safeco Insurance
8. USAA
9. GEICO
10. 21st Century

Top Companies for Toyota Tacoma Insurance in Maine

Poor driving habits will raise your car insurance rates

The ideal way to find affordable car insurance prices in Maine for a Tacoma is to drive attentively and avoid traffic citations and accidents. The information below shows how violations and at-fault claims impact car insurance rates for different age groups. The premiums assume a single female driver, full coverage, $100 deductibles, and no policy discounts are applied.

The chart shows that the average cost of auto insurance in Maine per year with no accidents and a clean driving record is $1,298. Factor in one speeding ticket and the average cost rises to $1,469, an increase of $171 each year. Now include two accidents along with the one speeding ticket and the yearly cost of car insurance for a Toyota Tacoma jumps again to an average of $2,931. That’s an increase of $1,634, or $136 per month, just for being a careless driver!

Discounts on cheap insurance for a Toyota Tacoma in Maine

Car insurance companies that provide policies for a Toyota Tacoma could also offer special discounts that can reduce rates by 25% or more if you can meet the requirements. A list of car insurance companies and a summarized list of policyholder discounts are:

The example below illustrates the comparison of annual premium costs with and without policy discounts. The premiums assume a female driver, no violations or accidents, Maine state minimum liability limits, full coverage, and $1,000 deductibles. The first bar for each age group shows premium with no discounts. The lower bar shows the rates with marriage, accident-free, homeowner, multiple vehicle, vehicle safety, and defensive driving course discounts applied. When drivers take advantage of discounts, the the average yearly reduction on car insurance for a Toyota Tacoma is 42% or $689.

How to get cheap insurance for a Toyota Tacoma in Maine

Below you’ll find many thrifty suggestions that can help Maine drivers get cheap coverage.

• Raise deductibles to save money
• Prevent rate increases by staying accident-free
• Drive safe vehicles
• On older vehicles, drop full coverage
• Be a cautious driver
• Good credit scores may lower your rates
• Shop around for cheaper prices

That last piece of advice is particularly significant, as was affirmed in the article above. Prices can change considerably in a year, so don’t be hesitant to buy from a new company if you can find a cheaper rate. Many drivers have brand loyalty and that’s fine, but it’s not a great idea if that stubbornness costs you hundreds of dollars year after year. If you have a few minutes, compare prices and find cheaper insurance for a Toyota Tacoma.