Insurance for Toyota TacomaTired of scraping the payment together to make your car insurance payment? Your situation is no different than many other people in Texas.

Statistics show that the majority of drivers have purchased from the same company for at least the last four years, and just under half have never compared rates to find cheap insurance. Most drivers in America could save 46.5% a year just by shopping around, but they just don't understand the amount of money they would save if they swap their current policy for a cheaper one. There is such a variety of auto insurance companies to choose from, and although it's a good thing to be able to choose, so many choices can make it hard to adequately compare rates for Toyota Tacoma insurance in Houston.

Shopping around for the cheapest protection in Houston is not as time-consuming as you think. If you have coverage now or just want a better rate, use these cost-cutting techniques to find better prices and still have adequate protection. Drivers just have to learn the proper way to buy auto insurance from many companies at once.

Affordable companies for Toyota Tacoma insurance in Texas

The companies in the list below offer price quotes in Houston, TX. If you want cheap auto insurance in Texas, we suggest you get rates from several of them to get a more complete price comparison.

Toyota Tacoma Insurance Rates in Houston, TX
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Tacoma 2WD $180 $392 $400 $24 $120 $1,116 $93
Tacoma 4WD $336 $408 $500 $30 $150 $1,424 $119
Tacoma Double Cab 4WD $254 $512 $430 $26 $128 $1,350 $113
Tacoma X-Runner 2WD $230 $496 $366 $22 $110 $1,224 $102
Tacoma Double Cab 4WD $356 $670 $496 $30 $148 $1,700 $142
Tacoma Double Cab TRD Off-Road Package 4WD $302 $456 $392 $24 $118 $1,292 $108
Tacoma Double Cab TRD Sport Package 4WD $308 $400 $500 $30 $150 $1,388 $116
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Table data represents single male driver age 30, no speeding tickets, no at-fault accidents, $500 deductibles, and Texas minimum liability limits. Discounts applied include homeowner, multi-vehicle, multi-policy, claim-free, and safe-driver. Price information does not factor in your specific Houston location which can modify coverage prices greatly.

Higher deductibles lower rates

One of the hardest decisions when shopping for auto insurance is how high should the deductibles for physical damage be. The following insurance rates may help to illustrate the price difference between low and high insurance deductibles. The first rate estimation uses a $100 deductible for comp and collision and the second price table uses a $1,000 deductible.

Toyota Tacoma insurance rates with $100 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Tacoma 2WD $286 $592 $382 $22 $114 $1,421 $118
Tacoma 4WD $328 $486 $382 $22 $114 $1,357 $113
Tacoma Double Cab 4WD $328 $592 $382 $22 $114 $1,463 $122
Tacoma X-Runner 2WD $328 $698 $382 $22 $114 $1,569 $131
Tacoma Double Cab 4WD $370 $592 $382 $22 $114 $1,505 $125
Tacoma Double Cab TRD Off-Road Package 4WD $370 $592 $382 $22 $114 $1,505 $125
Tacoma Double Cab TRD Sport Package 4WD $370 $592 $382 $22 $114 $1,505 $125
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Toyota Tacoma insurance 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
Get Your Own Custom Quote Go

Data rating is based on married male driver age 30, no speeding tickets, no at-fault accidents, and Texas minimum liability limits. Discounts applied include multi-vehicle, homeowner, claim-free, multi-policy, and safe-driver. Price estimates do not factor in specific Houston garaging location which can influence insurance rates greatly.

Based on the figures above, using a $100 deductible will cost in the ballpark of $38 more each month or $456 every year than selecting the higher $1,000 deductible. Since you would have to pay $900 more if you file a claim with a $1,000 deductible as compared to a $100 deductible, if you normally average at a minimum 24 months between claims, you would probably be better off if you elect the higher deductible.

How to determine if higher deductibles are a good idea

Average monthly premium for $100 deductibles: $123
Average monthly premium for $1,000 deductibles (subtract): - $85
Monthly savings from raising deductible: $38
Difference between deductibles ($1,000 - $100): $900
Divide difference by monthly savings: $900 / $38
Number of months required between physical damage coverage claims in order to save money by choosing the higher deductible 24 months

An important sidenote is that raising deductibles to save money results in more money out-of-pocket when you have a physical damage claim. You will want to have some savings in the bank in the event you need to pay more for the deductible.

Determine discounts on Houston insurance

Companies don't necessarily list every discount they offer in an easy-to-find place, so we break down some of the best known and also the more inconspicuous credits that may apply to you. If you aren't receiving every discount available, you're just leaving money on the table.

You can save money using discounts, but most discounts do not apply to the entire cost. Most only reduce the price of certain insurance coverages like comp or med pay. So even though you would think all the discounts add up to a free policy, you're out of luck.

Large insurance companies and a summarized list of policyholder discounts are detailed below.

When quoting, ask each insurance company to give you their best rates. All car insurance discounts might not be available to policyholders in your state. For a list of companies with significant discounts in Texas, click here to view.

What insurance coverages do I need?

When buying coverage for your vehicles, there really is not a "perfect" insurance plan. Your needs are not the same as everyone else's and your car insurance should unique, too. These are some specific questions might point out whether you may require specific advice.

If you can't answer these questions but one or more may apply to you, you might consider talking to an insurance agent. To find an agent in your area, take a second and complete this form or go to this page to view a list of companies. It is quick, free and can provide invaluable advice.

Local Houston car insurance agents and auto insurance

A small number of people still prefer to sit down with an agent and doing that can be a smart decision Professional insurance agents will help you protect your assets and help submit paperwork. The biggest benefit of comparing insurance prices online is the fact that drivers can get better rates but still work with a licensed agent. Buying from small agencies is definitely important in Houston.

Find insurance agent in HoustonTo help locate an agent, after submitting this simple form, your insurance coverage information is submitted to participating agents in Houston who want to provide quotes and help you find cheaper coverage. You won't need to find an agent on your own because quoted prices will be sent to the email address you provide. If you wish to quote rates from one company in particular, you can always search and find their rate quote page and fill out the quote form the provide.

If you want to use a reputable insurance agent or broker, you must know there are a couple types of insurance agents and how they work. Insurance agencies in Houston can be classified as either exclusive agents or independent agents. Either type can write auto insurance policies, but it's worth learning the difference in the companies they write for because it may have an impact on which agent you choose.

Independent Agents (or Brokers)

Agents of this type are not required to write business for one company so as a result can place your coverage with lots of companies and help determine which has the cheapest rates. If your premiums go up, an independent agent can move your coverage and you stay with the same agent. When comparing rate quotes, we recommend you compare quotes from a few independent agents in order to compare the most rates.

Below is a small list of independent agents in Houston that may be able to give competitive price quotes.

#100, 3120 SW Freeway Service Rd - Houston, TX 77098 - (713) 520-1090 - View Map

5420 Chimney Rock Rd - Houston, TX 77081 - (832) 778-8600 - View Map

1020 Bay Area Blvd # 100 - Houston, TX 77058 - (281) 488-2733 - View Map

View more Houston agents

Exclusive Auto Insurance Agencies

These type of agents are contracted to one company and examples are Farmers Insurance, Allstate, or State Farm. These agents are unable to compare other company's rates so they have to upsell other benefits. These agents receive extensive training on their company's products which helps them sell insurance even at higher premiums.

Below is a list of exclusive agencies in Houston that are able to give comparison quotes.

Lucrecia Jasminoy - State Farm Insurance Agent
223 Cavalcade St - Houston, TX 77009 - (713) 884-1442 - View Map

10103 Fondren Rd #150 - Houston, TX 77096 - (832) 431-4222 - View Map

3405 Mercer St - Houston, TX 77027 - (713) 626-7500 - View Map

View more Houston agents

Deciding on an auto insurance agent needs to be determined by more than just a cheap price quote. Any agent in Houston should be forthright in answering these questions:

After talking to the agent and getting good responses to these questions as well as a price you're happy with, you've probably found an auto insurance agent that meets your needs to provide auto insurance coverage. But remember, it's your coverage and you can terminate coverage whenever you want so never assume that you're stuck with the auto insurance policy for the full policy term.

Big brands don't always mean big savings

Texas drivers can't get away from all the ads that promise big savings from the likes of State Farm, GEICO and Progressive. All the ads advertise claims of big savings after switching to them.

It sounds good, but how can they all make the same claim? Here is how they do it.

All the different companies have specific characteristics for the type of insured that will generate a profit. One example of this type of driver could possibly be over the age of 40, has a clear driving record, and has excellent credit. Any new insured who matches those parameters will probably get cheap rates and therefore will save when they switch companies.

People who are not a match for these stringent criteria will have to pay higher prices and this results in the customer not purchasing. If you listen closely, the ads state "people who switch" not "everyone who quotes" can save as much as they claim. That is how companies can make claims like that.

Because every company is different, it's extremely important to compare price quotes frequently. Because you never know which car insurance company will provide the lowest Toyota Tacoma insurance in Houston.

You can find cheaper coverage

You just learned many tips how you can reduce Toyota Tacoma insurance premium rates online in Houston. It's most important to understand that the more rate quotes you have, the better chance you'll have of finding the cheapest Toyota Tacoma rate quotes. Drivers may even discover the lowest premium rates come from a smaller regional carrier. They can often insure niche markets at a lower cost compared to the large companies like Allstate or State Farm.

When trying to cut insurance costs, it's very important that you do not buy less coverage just to save a little money. Too many times, an insured cut full coverage to discover at claim time that the small savings ended up costing them much more. The ultimate goal is to purchase a proper amount of coverage at an affordable rate, not the least amount of coverage.

Budget-friendly car insurance in Houston can be found on the web in addition to many Houston insurance agents, and you need to comparison shop both so you have a total pricing picture. There are still a few companies who don't offer online price quotes and many times these regional carriers only sell coverage through independent insurance agencies.

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