Cheapest Insurance for a Toyota Tacoma in West Virginia

The chances of finding the cheapest insurance for a Toyota Tacoma in West Virginia hinges on a lot of factors like annual vehicle mileage, your current insurance company, and any past driving violations you may have had. West Virginia drivers pay on average $1,520 each year to insure a Tacoma, but that figure is an estimate that uses a 30-year-old single female with full coverage including both comprehensive and collision and $100 physical damage deductibles.

Most likely you are not 30 and possibly not even female, married instead of single, and you probably do not live in the same zip code as the example. What seems to be a small difference in rating criteria can make a large difference in rate quotes.

This demonstrates why your best chance at finding the cheapest coverage for your Toyota is to just compare rates yourself.

Find Cheaper Toyota Tacoma Insurance

The trim level of your Toyota has an effect on the insurance rate, so the price to insure a Tacoma 2WD trim level will be $90 cheaper than the price to insure the higher-end Tacoma Double Cab TRD Sport Package 4WD trim level, as demonstrated by the prices below.

Cost estimates assume single female driver age 30, no speeding tickets, no at-fault accidents, $100 deductibles, and West Virginia minimum liability limits. Discounts applied include multi-vehicle, claim-free, multi-policy, safe-driver, and homeowner. Estimates do not factor in specific garaging location which can influence premium rates significantly.

Finding a high-quality insurance company can be rather challenging considering how many companies there are in West Virginia. The rank data in the lists below could help you pick which auto insurance companies you want to consider buying from. These ratings are for the companies with a significant amount of written premium nationwide, so smaller regional companies will not be included in the list.

Top 10 Major Car Insurance Companies in West Virginia Ranked by Customer Service

1. USAA
2. AAA Insurance
3. Nationwide
4. Safeco Insurance
5. Progressive
6. State Farm
7. The Hartford
8. The General
9. Esurance
10. GEICO

Top Companies for Toyota Tacoma Insurance in West Virginia

The diagram below highlights how deductible choice can influence insurance premiums when trying to find cheap insurance for a Toyota Tacoma. The price estimates are based on a single female driver, full coverage, and no discounts are applied.

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In the chart above, a 40-year-old driver could lower rates by $360 a year by switching from a $100 deductible up to a $500 deductible, or save $546 by selecting a $1,000 deductible. Younger drivers, like the age 20 example, could roll back prices $910 or even more just by choosing higher deductibles.

When insureds make the decision to increase the deductibles on their policy, it is essential to have additional funds in a savings account to offset the extra out-of-pocket expense, which is the main drawback of higher deductibles.

Reckless driving habits raise car insurance rates

A great way to obtain the cheapest insurance for a Toyota Tacoma in West Virginia is to drive carefully and avoid traffic citations and accidents. The chart below demonstrates how traffic citations and at-fault collisions can impact yearly insurance costs for different age groups of insureds. The rate quotes are based on a single female driver, full coverage, $500 deductibles, and no additional discounts are factored in.

google.charts.setOnLoadCallback(drawVioqcibChart);function drawVioqcibChart() {var data = google.visualization.arrayToDataTable([[‘Age of Insured’, ‘No Violations or Accidents’, ‘Two Speeding Tickets and No Accidents’, ‘Two Speeding Tickets and Two Accidents’],[‘Age 20’, 2933,3607,6179],[‘Age 30’, 2017,2689,5265],[‘Age 40’, 1875,2549,5125],[‘Age 50’, 1643,2313,4889],[‘Age 60’, 1589,2259,4835],[‘Age 70’, 1853,2523,5099]]);var options = {title: ‘Impact of Citations and Accidents on West Virginia Toyota Tacoma Insurance’,titleTextStyle: {color: ‘#333’, fontSize: 17, bold: true},width: ‘100%’,height: 600,’chartArea’: {left:100,top:50,’width’: ‘100%’, ‘height’: ‘70%’},legend: {position: ‘bottom’,textStyle: {fontSize: 12}},colors:[‘#b2da64′,’#eed355′,’#e39e71’],hAxis: {title: ‘Annual Insurance Cost for a Toyota Tacoma in West Virginia’,minValue: 0,format: ‘$###,###’},vAxis: {title: ‘Age of Insured’}};var formatter = new google.visualization.NumberFormat({fractionDigits: 0,prefix: ‘$’});formatter.format(data,1);formatter.format(data,2);formatter.format(data,3);var chart = new google.visualization.BarChart(document.getElementById(‘qcibvio’));chart.draw(data, options);}

In the chart above, the average cost of an auto insurance policy per year with no violations or accidents is $1,985. Add in two speeding tickets and the average cost hikes up to $2,657, an increase of $672 each year. Now add in two accidents along with the two speeding tickets and the 12-month cost of car insurance for a Toyota Tacoma jumps again to an average of $5,232. That’s an increase of $3,247, or $271 per month, just for not being more responsible behind the wheel!

How to find budget-friendly car insurance for a Toyota Tacoma

The list below details a few money-saving suggestions that can help you locate lower-cost coverage.

• Be a safe driver
• Discounts for being claim-free can be substantial
• On older vehicles, drop full coverage
• Raise your physical damage coverage deductibles
• Do not get into accidents
• Comparison shop at least every other year

The last suggestion is particularly valuable, as was discussed in the article above. Insurance rates in West Virginia can change considerably based on profitability, so drivers shouldn’t be resistant to buy a policy from a new company if a better deal can be had. We understand brand loyalty, but it isn’t a good idea if that loyalty results in overpaying money that could be used for better things. It only take a few minutes to compare rates and find cheaper auto insurance for a Toyota Tacoma.

Who has the cheapest Toyota Tacoma insurance quotes?

Drivers have many ways to purchase car insurance in West Virginia, but the most popular are through an independent insurance agent, an exlusive agent like Allstate or State Farm, or from a direct company like Geico.

All three ways are similar, but it’s good to know the differences in how they provide rate quotes.

Independent agencies have contracts with many companies and can get rate quotes from every one. These agents can provide multiple price quotes, which may give you a better comparison. If a cheaper price is found, your policy is moved internally which makes it simple for you.

An exlusive, or captive, agency is only able to write business for a single company, for example Allstate and Liberty Mutual agents. They usually cannot quote rates from more than one company, which does not give you the best rate comparison.

Buying from a direct company means forego local insurance agents and instead buy from a direct company like Esurance or Geico. Shopping for car insurance direct may be good for families who have lower risk management needs and have a good understanding of what coverages they need.

Which way is best to find the cheapest insurance for a Toyota Tacoma in West Virginia? It would be premature to say buying from a direct company results in the cheapest price since that prevents the need to pay agent commissions, but in reality, that is not true. A good argument could also be made that buying car insurance from an independent agent results in the cheapest rates due to more options, but that assumption is not true either. And often times, the exclusive agents have very competitive rates that cannot be beaten by either independent or direct companies.

Because of the variability of car insurance rates, the only true way to ensure you are not overpaying is to get as many comparison quotes as possible. To find the best rates, be sure to get rate quotes from independent agents, exclusive agents, and direct companies to get an idea of which is cheapest. We compiled a list of companies with some of the cheapest online rates that you can click here to view.