Are you doing reasearch to find the cheapest car insurance rates in Dallas, TX? Dallas shoppers have options when shopping for low-cost Toyota Tacoma insurance. They can either spend hours calling around trying to get quotes or leverage the internet to find the lowest rates.

There is a better way to buy car insurance and we'll show you the proper way to quote coverages for your Toyota and get the lowest price from Dallas insurance agents and online providers.

Insurance quote for Toyota Tacoma in DallasRemarkably, a study showed that almost 70% of drivers kept buying from the same company for a minimum of four years, and approximately 40% of consumers have never quoted car insurance rates at all. Texas drivers could save an average of about $1,766 each year, but they just don't understand how much money they would save if they switched to a more affordable policy.

Consumers need to compare rates occasionally since insurance prices are usually higher with each renewal. Just because you had the lowest price on Toyota Tacoma insurance in Dallas last year a different company probably has better rate quotes today. Forget all the misinformation about car insurance because you're going to get a crash course in one of the best ways to remove unneeded coverages and save money.

The method we recommend to get rate comparisons for Toyota Tacoma insurance in Dallas is to know the trick most of the bigger providers participate in online systems to give you rate quotes. The one thing you need to do is give them rating details including any included safety features, if you are currently licensed, whether you have decent credit, and how old drivers are. That rating data is instantly provided to many of the top insurers and they return quotes with very little delay.

To compare multiple company affordable Toyota Tacoma insurance rates now, click here and enter your coverage details.

The companies in the list below are ready to provide free rate quotes in Dallas, TX. If multiple companies are listed, we recommend you visit several of them in order to find the lowest rates.

Toyota Tacoma Insurance Rate Estimates in Dallas, TX
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Tacoma 2WD $220 $512 $430 $26 $128 $1,316 $110
Tacoma 4WD $254 $420 $430 $26 $128 $1,258 $105
Tacoma Double Cab 4WD $230 $422 $366 $22 $110 $1,150 $96
Tacoma X-Runner 2WD $206 $486 $430 $26 $128 $1,276 $106
Tacoma Double Cab 4WD $232 $392 $400 $24 $120 $1,168 $97
Tacoma Double Cab TRD Off-Road Package 4WD $318 $580 $430 $26 $128 $1,482 $124
Tacoma Double Cab TRD Sport Package 4WD $260 $422 $366 $22 $110 $1,180 $98
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Data based on married male driver age 50, no speeding tickets, no at-fault accidents, $250 deductibles, and Texas minimum liability limits. Discounts applied include multi-policy, multi-vehicle, claim-free, homeowner, and safe-driver. Rate information does not factor in specific location information which can revise coverage prices noticeably.

Policy deductibles

One frequently asked question is which comprehensive and collision deductibles to buy. The rates shown below show how much more you'll pay when you select higher and lower insurance deductibles. The first data table uses a $250 deductible for comprehensive and collision coverage and the second data table uses a $1,000 deductible.

Toyota Tacoma insurance premium rates with $250 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Tacoma 2WD $256 $496 $382 $22 $114 $1,295 $108
Tacoma 4WD $294 $408 $382 $22 $114 $1,245 $104
Tacoma Double Cab 4WD $294 $496 $382 $22 $114 $1,333 $111
Tacoma X-Runner 2WD $294 $584 $382 $22 $114 $1,421 $118
Tacoma Double Cab 4WD $332 $496 $382 $22 $114 $1,371 $114
Tacoma Double Cab TRD Off-Road Package 4WD $332 $496 $382 $22 $114 $1,371 $114
Tacoma Double Cab TRD Sport Package 4WD $332 $496 $382 $22 $114 $1,371 $114
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Toyota Tacoma insurance premium rates with $1,000 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Tacoma 2WD $158 $312 $382 $22 $114 $988 $82
Tacoma 4WD $182 $256 $382 $22 $114 $956 $80
Tacoma Double Cab 4WD $182 $312 $382 $22 $114 $1,012 $84
Tacoma X-Runner 2WD $182 $368 $382 $22 $114 $1,068 $89
Tacoma Double Cab 4WD $206 $312 $382 $22 $114 $1,036 $86
Tacoma Double Cab TRD Off-Road Package 4WD $206 $312 $382 $22 $114 $1,036 $86
Tacoma Double Cab TRD Sport Package 4WD $206 $312 $382 $22 $114 $1,036 $86
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Data based on married male driver age 30, no speeding tickets, no at-fault accidents, and Texas minimum liability limits. Discounts applied include multi-policy, homeowner, multi-vehicle, claim-free, and safe-driver. Table data does not factor in specific location which can affect insurance rates noticeably.

We can derive from the above data that using a $250 deductible will cost you approximately $27 more each month or $324 each year than quoting the higher $1,000 deductible. Since the policyholder would be required to pay $750 more if you file a claim with a $1,000 deductible as compared to a $250 deductible, if you normally average more than 28 months between claims, you would probably save some money if you elect the higher deductible.

How to determine if higher deductibles are a good idea

Average monthly premium for $250 deductibles: $112
Average monthly premium for $1,000 deductibles (subtract): - $85
Monthly savings from raising deductible: $27
Difference between deductibles ($1,000 - $250): $750
Divide difference by monthly savings: $750 / $27
Number of months required between physical damage coverage claims in order to save money by choosing the higher deductible 28 months

Toyota Tacoma insurance costs by age and gender

The diagram below shows the difference between Toyota Tacoma yearly insurance costs for male and female drivers. The data is based on no accidents, no driving violations, comp and collision included, $100 deductibles, marital status is single, and no discounts are taken into consideration.

Save a ton by receiving these six discounts

The cost of insuring your cars can be expensive, but you can get discounts to reduce the price significantly. Some discounts will apply at quote time, but less common discounts must be asked about before they will apply.Auto insurance discounts

A quick disclaimer, most of the big mark downs will not be given to the overall cost of the policy. Most only reduce the price of certain insurance coverages like liability, collision or medical payments. Even though it appears all the discounts add up to a free policy, auto insurance companies aren't that generous.

A few popular companies and some of their more popular discounts can be found below.

Before you buy a policy, ask every prospective company to apply every possible discount. A few discounts may not apply to policies in your area.

Insurance in Texas serves several purposes

Even though it can be expensive, paying for insurance may be mandatory for several reasons.

First, the majority of states have minimum mandated liability insurance limits which means the state requires specific minimum amounts of liability insurance in order to drive the car. In Texas these limits are 30/60/25 which means you must have $30,000 of bodily injury coverage per person, $60,000 of bodily injury coverage per accident, and $25,000 of property damage coverage.

Second, if you have a lien on your Toyota Tacoma, most banks will make it mandatory that you carry insurance to guarantee loan repayment. If you do not pay your insurance premiums, the bank may buy a policy for your Toyota for a lot more money and require you to fork over much more than you were paying before.

Third, insurance safeguards your Toyota and your assets. Insurance will pay for all forms of medical expenses that are the result of an accident. Liability coverage will also pay attorney fees if someone files suit against you as the result of an accident. If you have damage to your Toyota as the result of the weather or an accident, comprehensive (other-than-collision) and collision coverage will pay to have it repaired.

The benefits of insuring your Tacoma are without a doubt worth the cost, particularly for liability claims. According to a 2015 survey, the average American driver overpays as much as $855 a year so we recommend shopping around each time the policy renews to ensure rates are inline.

Your auto insurance coverage should be tailored to you

When quoting and choosing proper insurance coverage for your vehicles, there really isn't a cookie cutter policy. Everyone's situation is a little different and your auto insurance should unique, too.Higher deductibles save money These are some specific questions might help in determining if your situation would benefit from professional advice.

If you don't know the answers to these questions but one or more may apply to you, then you may want to think about talking to a licensed insurance agent. If you don't have a local agent, complete this form or you can go here for a list of companies in your area. It's fast, doesn't cost anything and may give you better protection.

Buying from auto insurance agents

Many people would prefer to buy from a local agent and that is OK! Good insurance agents can point out coverage gaps and help you file claims. The biggest benefit of comparing auto insurance online is that drivers can save money and get better rates but still work with a licensed agent. Buying insurance from local insurance agents is definitely important in Dallas.

Dallas insurance agentsUpon completion of this quick form, your coverage information is immediately sent to local insurance agents who want to provide quotes to get your business. There is no reason to do any legwork as quotes are delivered to your email. If you want to get a price quote from a particular provider, you would need to navigate to their website and give them your coverage information.

Deciding on an provider needs to be determined by more than just a low price. These are some questions your agent should answer.

The coverage is in the details

Understanding the coverages of a insurance policy helps when choosing the best coverages for your vehicles. The coverage terms in a policy can be confusing and coverage can change by endorsement. These are typical coverages offered by insurance companies.

Uninsured or underinsured coverage - Your UM/UIM coverage protects you and your vehicle's occupants when the "other guys" are uninsured or don't have enough coverage. It can pay for injuries to you and your family and damage to your Toyota Tacoma.

Because many people only carry the minimum required liability limits (30/60/25 in Texas), their limits can quickly be used up. This is the reason having UM/UIM coverage is very important. Most of the time your uninsured/underinsured motorist coverages are similar to your liability insurance amounts.

Coverage for liability - Liability insurance protects you from damage or injury you incur to a person or their property. This insurance protects YOU from legal claims by others. Liability doesn't cover damage sustained by your vehicle in an accident.

Split limit liability has three limits of coverage: bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You commonly see policy limits of 30/60/25 which stand for a limit of $30,000 per injured person, a per accident bodily injury limit of $60,000, and property damage coverage for $25,000. Occasionally you may see one limit called combined single limit (CSL) which combines the three limits into one amount rather than limiting it on a per person basis.

Liability insurance covers things such as loss of income, attorney fees and medical expenses. How much coverage you buy is up to you, but you should buy as high a limit as you can afford. Texas requires minimum liability limits of 30/60/25 but it's recommended drivers buy higher limits.

Comprehensive protection - Comprehensive insurance coverage pays for damage OTHER than collision with another vehicle or object. A deductible will apply and then insurance will cover the rest of the damage.

Comprehensive coverage pays for things like falling objects, fire damage, hitting a bird, a tree branch falling on your vehicle and hail damage. The maximum payout you can receive from a comprehensive claim is the cash value of the vehicle, so if the vehicle's value is low consider removing comprehensive coverage.

Medical expense coverage - Coverage for medical payments and/or PIP provide coverage for bills for things like hospital visits, surgery and pain medications. The coverages can be used to cover expenses not covered by your health insurance program or if you are not covered by health insurance. They cover all vehicle occupants as well as being hit by a car walking across the street. PIP coverage is only offered in select states but can be used in place of medical payments coverage

Collision coverages - Collision insurance pays for damage to your Tacoma resulting from a collision with a stationary object or other vehicle. A deductible applies and the rest of the damage will be paid by collision coverage.

Collision can pay for claims like sustaining damage from a pot hole, hitting a parking meter and colliding with another moving vehicle. Collision coverage makes up a good portion of your premium, so consider dropping it from lower value vehicles. Another option is to raise the deductible on your Tacoma to get cheaper collision coverage.