Cheap Insurance for a Toyota Tacoma in Georgia

When the topic is car insurance, the words cheap or affordable should never appear as a descriptor for car insurance rates. Unfortunately, cheap auto insurance for a Toyota Tacoma can seem impossible to find. But fear not, because we are going to show you how you can still get auto insurance that you can fit into your budget.

Finding cheaper insurance for a Toyota Tacoma in Georgia depends upon a lot of rating factors such as if you have purchased a home, whether or not you have had gaps between policies, and citations on your driving record. Drivers pay approximately $1,120 each year for Tacoma insurance, but that rate is an approximation based upon a 50-year-old married female driver that wants full comprehensive and collision coverage and $100 physical damage deductibles.

If we were betting, you are not 50 years old and maybe not even female, single instead of married, or maybe your driving record isn’t squeaky clean. Just a very minor change in the factors used in pricing a policy can lead to a big change in policy price.

Not every driver requires the same auto insurance coverages, so the way we recommend to find cheap insurance rates for your Toyota is to put in the effort and compare rates.

Cheapest Toyota Tacoma Insurance Rates

The specific trim level will most likely have an effect on the cost of insurance, so the cost to insure a Tacoma 2WD trim level will be $66 less expensive the insurance cost for the more well-appointed Tacoma Double Cab TRD Sport Package 4WD trim level, as shown in the chart below.

Table data assumes married female driver age 50, no speeding tickets, no at-fault accidents, $100 deductibles, and Georgia minimum liability limits. Discounts applied include multi-policy, claim-free, homeowner, multi-vehicle, and safe-driver. Rate information does not factor in specific garaging location which can increase or decrease coverage rates considerably.

Buying coverage from the top company can be rather challenging considering how many different insurance companies sell coverage in Georgia. The company ratings below can help you choose which providers you want to consider when looking for cheaper rates. These rankings include large insurance companies, so companies that only write business in Georgia or surrounding areas are not factored into the list.

Top 10 Large Auto Insurers in Georgia Ranked by Customer Service

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

Top 10 Large Auto Insurers in Georgia Ranked by Value

1. Mercury Insurance
2. Travelers
3. Safeco Insurance
4. American Family
5. AAA Insurance
6. The Hartford
7. Progressive
8. The General
9. Titan Insurance
10. Esurance

Top Companies for Toyota Tacoma Insurance in Georgia

The information below illustrates how choosing a deductible can influence premium costs when quoting cheap insurance for a Toyota Tacoma. The rates are based on a single female driver, comp and collision included, and no discounts are taken into consideration.

A 30-year-old driver could lower their car insurance rates by $442 a year by changing their physical damage coverage from a $100 deductible up to a $500 deductible, or save $668 by changing to a $1,000 deductible. Young drivers, such as the 20-year-old example, could save as much as $978 annually by using higher deductibles when buying full coverage.

If you do make the decision to raise your deductibles, it will now be necessary to have enough savings set aside to allow you to cover the extra out-of-pocket expense, which is the one disadvantage of using larger deductibles.

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

Here are some of the better thrifty solutions that can help you get lower-cost coverage.

• Remain accident-free and save
• Be a safe driver
• Full coverage is expensive so only insure older vehicles for liability only
• Higher comprehensive and collision coverage deductibles will save money
• Avoid filing excessive claims
• Comparison shop frequently

The last item on the list is highly important, as we pointed out in the prior article. Coverage rates adjust often, so you should be ready to change to a new company if you can find a cheaper rate. Staying with the same car insurance company is fine, but is isn’t recommended if your bullheadedness ends up costing you major coinage every year. Now is a great time to shop around to find cheaper car insurance for a Toyota Tacoma.