How long has it been since you compared quotes for lower-priced Toyota Tundra insurance in Philadelphia? No car owner likes having to buy insurance, especially when they know they are paying too much.
Remarkably, a study showed that almost 70% of drivers have been with the same company for well over three years, and nearly the majority have never shopped around. Pennsylvania consumers could save as much as 55% every year, but most just don’t grasp how much money they would save if they switched.
Due to the fact that there are so many companies and agents to choose from, it can be challenging to locate a lower cost insurance company.
It’s a good idea to do rate comparisons before your next renewal since prices are usually higher with each renewal. Just because you found the best deal on Toyota Tundra insurance in Philadelphia a year ago other companies may now be cheaper. You can find a lot of information about Tundra insurance out there, but by reading this article, you’re going to learn some of the best techniques to lower your insurance premiums.
Buying the cheapest insurance in Philadelphia is actually very simple if you learn how to start. Essentially every person who carries insurance will more than likely find a cheaper policy. But Pennsylvania consumers must understand how big insurance companies sell insurance online and apply this information to your search.
It’s important to know that quoting more provides better odds of finding lower pricing. Some smaller insurers do not give Philadelphia Tundra insurance quotes over the internet, so it’s important to compare price quotes from them as well.
The providers in the list below are our best choices to provide free quotes in Pennsylvania. If more than one company is shown, it’s highly recommended you visit several of them to get the most affordable price.
Toyota Tundra insurance coverage information
The premium table shown below highlights detailed analysis of coverage costs for Toyota Tundra models. Knowing how insurance rates are established is important for making smart choices when buying a policy.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Tundra Regular Cab 2WD | $154 | $278 | $390 | $24 | $116 | $962 | $80 |
| Tundra SR/5 Double Cab 2WD | $178 | $338 | $390 | $24 | $116 | $1,046 | $87 |
| Tundra SR/5 Crew Max 2WD | $178 | $338 | $390 | $24 | $116 | $1,046 | $87 |
| Tundra Regular Cab 4WD | $200 | $338 | $390 | $24 | $116 | $1,068 | $89 |
| Tundra Double Cab 4WD | $200 | $338 | $390 | $24 | $116 | $1,068 | $89 |
| Tundra SR/5 Double Cab 4WD | $200 | $338 | $390 | $24 | $116 | $1,068 | $89 |
| Tundra Limited Double Cab 2WD | $200 | $400 | $390 | $24 | $116 | $1,130 | $94 |
| Tundra Limited Crew MAX 2WD | $200 | $400 | $390 | $24 | $116 | $1,130 | $94 |
| Tundra Limited Crew MAX 4WD | $224 | $400 | $390 | $24 | $116 | $1,154 | $96 |
| Tundra SR/5 Crew Max 4WD | $224 | $400 | $390 | $24 | $116 | $1,154 | $96 |
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Data assumes married female driver age 40, no speeding tickets, no at-fault accidents, $500 deductibles, and Pennsylvania minimum liability limits. Discounts applied include safe-driver, multi-vehicle, claim-free, multi-policy, and homeowner. Rate quotes do not factor in specific location which can affect premiums considerably.
Does full coverage make sense?
The example below illustrates the difference between Toyota Tundra annual premium costs when comparing full coverage to state minimum liability only. The information is based on a clean driving record, no at-fault accidents, $1,000 deductibles, marital status is single, and no discounts are taken into consideration.
Deciding between full coverage and liability only
There is no definitive formula to drop full coverage on your policy, but there is a general school of thought. If the yearly cost of comp and collision coverage is more than around 10% of any settlement you would receive from your insurance company, then you may need to consider dropping full coverage.
For example, let’s assume your Toyota Tundra settlement value is $8,000 and you have $1,000 policy deductibles. If your vehicle is destroyed, the most your company will settle for is $7,000 after paying the physical damage deductible. If it’s costing you more than $700 annually for physical damage coverage, then it may be the right time to buy liability only.
There are some conditions where eliminating full coverage is not in your best interest. If you haven’t satisfied your loan, you have to maintain full coverage as part of the loan requirements. Also, if your savings is not enough to buy a different vehicle if your current one is totaled, you should not drop full coverage.
Local Philadelphia insurance agencies
Many drivers would prefer to get advice from a local agent and that is a personal choice. An additional benefit of comparing auto insurance online is the fact that drivers can get cheap rate quotes and also buy local.
To find an agent, once you fill out this short form, your insurance data is submitted to agents in your area that provide free Philadelphia car insurance quotes for your auto insurance coverage. There is no reason to search for any insurance agencies because quoted prices will be sent immediately to your email address. You’ll get the best rates and a licensed agent to talk to. If you want to compare prices for a specific company, feel free to find their quoting web page and complete a quote there.
Choosing the best insurance company is decision based upon more than just the quoted price. Here are some questions you might want to ask.
- Do they offer claims assistance after hours?
- Is the agent properly licensed in Pennsylvania?
- How does the company pay claims for a total loss?
- Does their agency support local causes in Philadelphia?
- Will the quote change when the policy is issued?
Insurance agent types
If you would like to find a local Philadelphia insurance agency, you should know the different agency structures and how they operate. Agents can either be independent agents or exclusive agents depending on their employer.
Exclusive Insurance Agencies
Exclusive agencies can only place business with one company such as Allstate, Farmers Insurance, State Farm, and AAA. They are unable to compare rates from other companies so if the price isn’t competitive there isn’t much they can do. Exclusive agencies are highly trained on what they offer which aids in selling service over price.
Listed below are Philadelphia exclusive agencies willing to provide price quotes.
Michael DeCarlo – State Farm Insurance Agent
326 S 19th St Ste 2 – Philadelphia, PA 19103 – (215) 772-0100 – View Map
Sharon Owens – State Farm Insurance Agent
7034 Frankford Ave – Philadelphia, PA 19135 – (215) 333-5544 – View Map
John Nicolucci – State Farm Insurance Agent
6001 Ridge Ave – Philadelphia, PA 19128 – (215) 482-7000 – View Map
Independent Auto Insurance Agents
Agents that elect to be independent are not locked into one company so they can write business through many different auto insurance companies enabling the ability to shop coverage around. If your premiums go up, your agent can just switch to a different company and you don’t have to do anything. If you are comparing rate quotes, we recommend you contact a few independent agents to maximize your price options.
Below are independent insurance agents in Philadelphia that can give you price quote information.
The Perzel Agency, Inc.
7338 Frankford Ave – Philadelphia, PA 19136 – (215) 335-6878 – View Map
Nationwide Insurance: Ferullo Insurance Agencies LLC
1636 S Front St – Philadelphia, PA 19148 – (215) 468-4116 – View Map
Burg Insurance
2707 Kirkbride St – Philadelphia, PA 19137 – (215) 744-4100 – View Map