Find Affordable Toyota Tacoma Insurance in Virginia Beach

Discount Toyota Tacoma insuranceThe preferred way to get affordable car insurance rates in Virginia Beach is to compare prices once a year from different companies that insure vehicles in Virginia.

First, try to understand how auto insurance works and the measures you can control to keep rates low. Many risk factors that are responsible for high rates like accidents, traffic violations, and a substandard credit history can be amended by making lifestyle changes or driving safer.

Second, quote rates from direct carriers, independent agents, and exclusive agents. Exclusive and direct companies can only quote rates from a single company like Progressive or State Farm, while independent agents can provide price quotes from multiple insurance companies. Select a company

Third, compare the new rate quotes to your existing policy to determine if you can save on Tacoma insurance in Virginia Beach. If you find better rates, make sure coverage does not lapse between policies.

Fourth, provide notification to your current company of your intent to cancel your current auto insurance policy and submit a completed policy application and payment to your new company or agent. Immediately safely store the certificate of insurance along with the vehicle’s registration papers.

A key point to remember is that you’ll want to make sure you compare similar limits and deductibles on every price quote and and to get rate quotes from as many carriers as you can. Doing this provides a fair price comparison and the best price selection.

A recent study revealed that most insurance policyholders kept their coverage with the same insurance company for at least four years, and nearly the majority have never even compared quotes to find cheaper rates. Most drivers in Virginia Beach could save $548 a year just by getting comparison quotes, but they feel it’s too difficult to find cheaper insurance by shopping around.

If you have a policy now or just want cheaper rates, use these cost-cutting techniques to find the best rates while maximizing coverage. Buying the cheapest auto insurance in Virginia Beach is actually not that difficult if you follow our advice. Drivers only have to learn the fastest way to shop online.

Low Cost companies for Toyota Tacoma insurance in Virginia

The companies in the list below provide free rate quotes in Virginia Beach, VA. If you want to find cheap car insurance in Virginia, we recommend you compare several of them in order to get a fair rate comparison.

Rates and detailed analysis

The table displayed below covers detailed analysis of insurance premium costs for Toyota Tacoma models. Being more informed about how rate quotes are figured can be valuable when making informed purchases.

Toyota Tacoma Insurance Rates in Virginia Beach, VA
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Tacoma 2WD $122 $264 $270 $16 $80 $752 $63
Tacoma 4WD $140 $218 $270 $16 $80 $724 $60
Tacoma Double Cab 4WD $140 $264 $270 $16 $80 $770 $64
Tacoma X-Runner 2WD $140 $312 $270 $16 $80 $818 $68
Tacoma Double Cab 4WD $156 $264 $270 $16 $80 $786 $66
Tacoma Double Cab TRD Off-Road Package 4WD $156 $264 $270 $16 $80 $786 $66
Tacoma Double Cab TRD Sport Package 4WD $156 $264 $270 $16 $80 $786 $66
Get Your Own Custom Quote Go

Table data assumes married female driver age 40, no speeding tickets, no at-fault accidents, $500 deductibles, and Virginia minimum liability limits. Discounts applied include multi-policy, multi-vehicle, homeowner, safe-driver, and claim-free. Information does not factor in the specific area where the vehicle is garaged which can raise or lower coverage prices noticeably.

Choosing deductibles

A question often asked by Virginia Beach drivers is at what level do you set your deductibles. The premium rates below outline how much more you’ll pay when you choose different policy deductibles. The first set of rates uses a $100 deductible for comprehensive and collision coverage and the second rate chart uses a $500 deductible.

Toyota Tacoma insurance premium rates with $100 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Tacoma 2WD $192 $400 $258 $16 $78 $969 $81
Tacoma 4WD $222 $328 $258 $16 $78 $927 $77
Tacoma Double Cab 4WD $222 $400 $258 $16 $78 $999 $83
Tacoma X-Runner 2WD $222 $472 $258 $16 $78 $1,071 $89
Tacoma Double Cab 4WD $250 $400 $258 $16 $78 $1,027 $86
Tacoma Double Cab TRD Off-Road Package 4WD $250 $400 $258 $16 $78 $1,027 $86
Tacoma Double Cab TRD Sport Package 4WD $250 $400 $258 $16 $78 $1,027 $86
Get Your Own Custom Quote Go

Toyota Tacoma insurance premium rates with $500 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Tacoma 2WD $140 $270 $258 $16 $78 $762 $64
Tacoma 4WD $162 $222 $258 $16 $78 $736 $61
Tacoma Double Cab 4WD $162 $270 $258 $16 $78 $784 $65
Tacoma X-Runner 2WD $162 $318 $258 $16 $78 $832 $69
Tacoma Double Cab 4WD $182 $270 $258 $16 $78 $804 $67
Tacoma Double Cab TRD Off-Road Package 4WD $182 $270 $258 $16 $78 $804 $67
Tacoma Double Cab TRD Sport Package 4WD $182 $270 $258 $16 $78 $804 $67
Get Your Own Custom Quote Go

Premium data assumes married male driver age 30, no speeding tickets, no at-fault accidents, and Virginia minimum liability limits. Discounts applied include safe-driver, multi-policy, claim-free, homeowner, and multi-vehicle. Table data does not factor in vehicle location which can affect price quotes noticeably.

We can estimate from the data above that using a $100 deductible will cost you approximately $18 more each month or $216 each year than requesting the higher $500 deductible. Due to the fact that you would have to pay $400 more to file a claim with a $500 deductible as compared to a $100 deductible, if you usually have at a minimum 22 months between claims, you would save money if you opt for a higher deductible. The numbers below show an example of how you can come to your own conclusion.

Average monthly premium for $100 deductibles: $84
Average monthly premium for $500 deductibles (subtract): – $66
Monthly savings from raising deductible: $18
Difference between deductibles ($500 – $100): $400
Divide difference by monthly savings: $400 / $18
Number of months required between physical damage coverage claims in order to save money by choosing the higher deductible 22 months

One important caveat is that increasing deductibles to save money results in more money out-of-pocket when you file a claim. You will want to have some extra savings in the event you have to pay the higher deductible in order to repair your vehicle.

Careless driving habits raise Virginia Beach car insurance rates

The example below demonstrates how speeding tickets and accidents can impact Toyota Tacoma insurance costs for different ages of insureds. The rates are based on a married male driver, comprehensive and collision coverage, $500 deductibles, and no discounts are factored in.

You Can Change Your Insurance Rates

Multiple criteria are used in the calculation when premium rates are determined. Most are fairly basic like your driving record, but other criteria are not quite as obvious such as whether you are married or your financial responsibility. Part of the auto insurance buying process is learning the factors that play a part in calculating your premiums. If you understand what controls the rates you pay, this allows you to make educated decisions that may reward you with lower premium levels.

Get cheaper Toyota Tacoma insurance rates in Virginia Beach

Companies don’t always list every discount available very well, so the list below contains both well-publicized and the more hidden credits that you can use to lower your rates.Cheaper car insurance with discounts

Discounts save money, but please remember that most credits do not apply to your bottom line cost. The majority will only reduce the cost of specific coverages such as liability and collision coverage. So even though it sounds like it’s possible to get free car insurance, you’re out of luck.

The illustration below shows the comparison of Toyota Tacoma car insurance rates with and without discounts being applied to the rates. The premium estimates are based on a female driver, no accidents or driving violations, Virginia state minimum liability limits, comprehensive and collision coverage, and $250 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with multi-car, claim-free, homeowner, marriage, multi-policy, and safe-driver discounts applied.

To see a list of insurers that provide some of the discounts listed above in Virginia, click here to view.

Car insurance agents can help

Many people would prefer to visit with an insurance agent and there is nothing wrong with that. Licensed agents are trained to spot inefficiencies and will help you if you have claims. One of the great benefits of getting free rate quotes online is you may find cheap auto insurance rates and still buy from a local agent. And buying from local insurance agents is still important in Virginia Beach.

Virginia Beach insurance agentsAfter filling out this quick form, your insurance coverage information is immediately sent to local insurance agents who will give you quotes for your business. There is no reason to find an agent on your own because prices are sent instantly to you. If you wish to get a comparison quote from a particular provider, you would need to jump over to their website and fill out their quote form.

Two types of car insurance agents

When researching a good Virginia Beach insurance agent, you need to know there are two different types of agencies that differ in how they can insure your vehicles. Auto insurance agents in Virginia Beach can be described as either independent agents or exclusive agents depending on their employer. Either one can sell auto insurance policies, but it’s worth mentioning why they differ since it can impact your agent selection.

Independent Auto Insurance Agencies

These type of agents do not have single company limitations and that allows them to write policies through many different auto insurance companies and find you the best rates. If premiums increase, your agent can switch companies and you can keep the same agent. When comparing rates, it’s recommended you contact a couple of independent agencies to ensure the widest selection of prices.

Below is a short list of independent agents in Virginia Beach who may provide comparison quotes.

1501 Cornwell LnVirginia Beach, VA 23454(757) 340-0028View Map

2433 N Landing RdVirginia Beach, VA 23456(757) 301-6397View Map

780 Lynnhaven Pkwy #400Virginia Beach, VA 23452(757) 819-6896View Map

View more Virginia Beach agents

Exclusive Agencies

Exclusive insurance agents generally can only insure with one company such as Farmers Insurance and State Farm. These agents are unable to give you multiple price quotes so they have to upsell other benefits. Exclusive agents receive extensive training in insurance sales which helps offset the inability to provide other markets.

Listed below is a short list of exclusive insurance agents in Virginia Beach willing to provide comparison quotes.

4221 Pleasant Valley Rd #108Virginia Beach, VA 23464(757) 467-4300View Map

Shopping Ctr Ste 103, 979 Chimney Hill PkwyVirginia Beach, VA 23452(757) 463-2400View Map

562 Lynnhaven Pkwy #201Virginia Beach, VA 23452(757) 227-9700View Map

View more Virginia Beach agents

Selecting an car insurance agent requires you to look at more than just a cheap price. Any agent in Virginia Beach should be willing to answer these questions.

Best car insurance in Virginia Beach

Ending up with the right insurer is hard considering how many companies sell coverage in Virginia. The rank data below may help you analyze which auto insurance companies you want to consider comparing price quotes from.

Top 10 Virginia Beach Car Insurance Companies Ranked by Claims Service

  1. Travelers
  2. Allstate
  3. Nationwide
  4. State Farm
  5. GEICO
  6. Liberty Mutual
  7. American Family
  8. Esurance
  9. AAA Insurance
  10. Titan Insurance

Top 10 Virginia Beach Car Insurance Companies Ranked by Customer Satisfaction

  1. USAA – 91%
  2. AAA Insurance – 90%
  3. Esurance – 90%
  4. Mercury Insurance – 89%
  5. Nationwide – 89%
  6. Travelers – 88%
  7. Progressive – 88%
  8. Safeco Insurance – 88%
  9. State Farm – 88%
  10. Allstate – 88%

More comparisons equals affordable rates

In this article, we covered a lot of information how to get a better price on Toyota Tacoma insurance in Virginia Beach. The key thing to remember is the more times you quote, the higher your chance of finding affordable Toyota Tacoma insurance quotes. Drivers may even discover the biggest savings come from a smaller regional carrier. Some small companies often have lower rates on specific markets compared to the large companies like State Farm and Allstate.

As you restructure your insurance plan, don’t be tempted to skimp on critical coverages to save a buck or two. There are many occasions where someone dropped full coverage and learned later that it was a big error on their part. Your strategy should be to buy a smart amount of coverage for the lowest price, but don’t skip important coverages to save money.

Additional auto insurance information can be read below: