Save Money on Toyota Tacoma Insurance in Cleveland

Discount Toyota Tacoma insuranceIt’s an obvious conclusion that insurance companies don’t want you to look for a cheaper policy. Drivers who shop around for cheaper price quotes are likely to buy a new policy because there is a great chance of finding more affordable rates. A survey found that drivers who compared rate quotes regularly saved about $860 a year compared to policyholders who don’t make a habit of comparing rates.

If saving money on Toyota Tacoma insurance in Cleveland is your objective, learning how to get free comparison quotes and analyze cheaper coverage can make it easier for you to save money.

Really, the only way to get budget Toyota Tacoma insurance is to make a habit of comparing prices annually from companies who sell auto insurance in Cleveland. Drivers can shop around by following these guidelines.

A crucial key to this process is to use similar deductibles and liability limits on every quote and and to get price quotes from as many carriers as you can. Doing this ensures a fair price comparison and the most accurate and complete price analysis.

Toyota Tacoma insurance rate analysis

The coverage information displayed next covers different coverage prices for Toyota Tacoma models. Having a good grasp of how insurance quotes are calculated is important for making informed decisions when comparing rates.


Toyota Tacoma Insurance Rates in Cleveland, OH
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Tacoma 2WD $148 $290 $232 $14 $70 $754 $63
Tacoma 4WD $170 $238 $232 $14 $70 $724 $60
Tacoma Double Cab 4WD $170 $290 $232 $14 $70 $776 $65
Tacoma X-Runner 2WD $170 $342 $232 $14 $70 $828 $69
Tacoma Double Cab 4WD $192 $290 $232 $14 $70 $798 $67
Tacoma Double Cab TRD Off-Road Package 4WD $192 $290 $232 $14 $70 $798 $67
Tacoma Double Cab TRD Sport Package 4WD $192 $290 $232 $14 $70 $798 $67
Get Your Own Custom Quote Go

Data based on married female driver age 30, no speeding tickets, no at-fault accidents, $250 deductibles, and Ohio minimum liability limits. Discounts applied include claim-free, multi-policy, safe-driver, homeowner, and multi-vehicle. Price estimates do not factor in specific zip code location which can revise rates 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 rates shown below may help you to understand the rate differences when you choose different physical damage deductibles. The first data set uses a $100 deductible for comp and collision and the second price chart uses a $1,000 deductible.


Toyota Tacoma insurance premium estimates with $100 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Tacoma 2WD $170 $352 $226 $14 $68 $855 $71
Tacoma 4WD $196 $290 $226 $14 $68 $819 $68
Tacoma Double Cab 4WD $196 $352 $226 $14 $68 $881 $73
Tacoma X-Runner 2WD $196 $416 $226 $14 $68 $945 $79
Tacoma Double Cab 4WD $220 $352 $226 $14 $68 $905 $75
Tacoma Double Cab TRD Off-Road Package 4WD $220 $352 $226 $14 $68 $905 $75
Tacoma Double Cab TRD Sport Package 4WD $220 $352 $226 $14 $68 $905 $75
Get Your Own Custom Quote Go

Toyota Tacoma insurance premium estimates with $1,000 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Tacoma 2WD $94 $186 $226 $14 $68 $588 $49
Tacoma 4WD $108 $152 $226 $14 $68 $568 $47
Tacoma Double Cab 4WD $108 $186 $226 $14 $68 $602 $50
Tacoma X-Runner 2WD $108 $220 $226 $14 $68 $636 $53
Tacoma Double Cab 4WD $122 $186 $226 $14 $68 $616 $51
Tacoma Double Cab TRD Off-Road Package 4WD $122 $186 $226 $14 $68 $616 $51
Tacoma Double Cab TRD Sport Package 4WD $122 $186 $226 $14 $68 $616 $51
Get Your Own Custom Quote Go

Cost estimates assume married male driver age 30, no speeding tickets, no at-fault accidents, and Ohio minimum liability limits. Discounts applied include multi-vehicle, claim-free, homeowner, multi-policy, and safe-driver. Information does not factor in zip code location which can change insurance rates noticeably.

Based on the figures above, using a $100 deductible costs roughly $24 more each month or $288 each year across all Toyota Tacoma models than opting for the higher $1,000 deductible. Due to the fact that 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 average at least 38 months between claim filings, you would save more money going with the higher deductible.

The chart below demonstrates how deductibles and can impact Toyota Tacoma insurance costs for different age categories. The costs are based on a married female driver, full physical damage coverage, and no additional discounts are factored in.

Learn How to Get Car Insurance More Affordably

One of the most helpful ways to save on car insurance is to to have a grasp of some of the things that go into determining the price you pay for car insurance. When consumers understand what positively or negatively impacts your premiums, this empowers consumers to make smart changes that can earn you cheaper rates. Multiple criteria are used in the calculation when you get your auto insurance bill. Some are pretty understandable such as traffic violations, but some are less obvious like your continuous coverage or your vehicle rating.

You can find affordable coverage

When getting Cleveland auto insurance quotes online, do not reduce coverage to reduce premium. There have been many situations where an insured dropped comprehensive coverage or liability limits only to regret that the savings was not a smart move. Your goal is to find the BEST coverage at the best possible price while not skimping on critical coverages.

Cheap Toyota Tacoma insurance in Cleveland is attainable from both online companies as well as from insurance agents, so get free Cleveland auto insurance quotes from both of them to have the best selection. Some insurance companies don’t offer the ability to get quotes online and these small, regional companies work with independent insurance agents.

In this article, we presented a lot of information how to compare Toyota Tacoma insurance prices in Cleveland. The key thing to remember is the more price quotes you have, the better chance you’ll have of finding the cheapest Toyota Tacoma rate quotes. You may even discover the best price on insurance is with some of the lesser-known companies.

Additional insurance information is located at these links: