Tired of scraping the payment together to pay auto insurance each month? You have the same problem as many other Alabama drivers.
Unbelievable but true according to a study the vast majority of consumers in Alabama have remained with the same auto insurance company for over three years, and approximately 40% of consumers have never even compared rates from other companies. U.S. insurance shoppers can save hundreds of dollars each year just by getting comparison quotes, but they don't want to spend time to do a rate comparison.
Many car insurance companies compete for your insurance dollar, so it's not easy to compare every insurance company to find the lowest rate on Toyota Tacoma insurance in Montgomery.
If you are insured now, you stand a good chance to be able to lower your rates using the techniques covered below. Locating the best rates in Montgomery is not rocket science. But Alabama vehicle owners must comprehend how insurance companies charge you for coverage and use it to find better rates.
Many insurance companies make it easy to get pricing direct online. Getting quotes for Toyota Tacoma insurance in Montgomery is very simple as you just type in your coverage information as detailed in the form. After you complete the form, their rating system requests your driving record and credit report and returns a price quote based on these and other factors. Using the web to get rate quotes for Toyota Tacoma insurance in Montgomery makes it a lot easier to compare rates and it's absolutely necessary to get many rate quotes in order to get a lower rate.
To find out how much you can save on insurance, compare rates from the companies below. To compare your current rates, we recommend you replicate the coverage information exactly as shown on your declarations page. This way, you will get comparison quotes for exact coverage.
The companies shown below provide comparison quotes in Alabama. If the list has multiple companies, we recommend you visit two to three different companies in order to find the cheapest rates.
|Model||Comp||Collision||Liability||Medical||UM/UIM||Annual Premium||Monthly Premium|
|Tacoma Double Cab 4WD||$182||$348||$382||$22||$114||$1,048||$87|
|Tacoma X-Runner 2WD||$200||$430||$318||$18||$94||$1,060||$88|
|Tacoma Double Cab 4WD||$218||$326||$348||$20||$104||$1,016||$85|
|Tacoma Double Cab TRD Off-Road Package 4WD||$336||$440||$442||$26||$132||$1,376||$115|
|Tacoma Double Cab TRD Sport Package 4WD||$156||$284||$382||$22||$114||$958||$80|
|Get Your Own Custom Quote Go|
Prices based on single male driver age 50, no speeding tickets, no at-fault accidents, $1,000 deductibles, and Alabama minimum liability limits. Discounts applied include homeowner, claim-free, multi-vehicle, multi-policy, and safe-driver. Prices do not factor in your specific Montgomery location which can influence auto insurance rates considerably.
Price comparison of only insuring for liability
The diagram below illustrates the difference between Toyota Tacoma car insurance costs with and without full coverage. The rate quotes are based on no tickets, no at-fault accidents, $250 deductibles, married female driver, and no discounts are taken into consideration.
Deciding between full coverage and liability only
There isn't a written rule to exclude full coverage, but there is a general guideline. If the yearly cost of full coverage is 10% or more of the replacement cost minus the deductible, then it may be the right time to buy liability only.
For example, let's say your Toyota Tacoma replacement value is $5,000 and you have $1,000 policy deductibles. If your vehicle is damaged in an accident, the most your company will settle for is $4,000 after you pay the deductible. If premium cost is more than $400 a year for physical damage coverage, the it may be a good time to stop paying for full coverage.
There are some circumstances where removing full coverage is not recommended. If you haven't satisfied your loan, you must maintain physical damage coverage as part of the loan conditions. Also, if your emergency fund is not enough to purchase a different vehicle in the event your current vehicle is totaled, you should not opt for liability only.
Accidents and violations increase rates
The information below demonstrates how speeding tickets and at-fault fender-benders can raise Toyota Tacoma auto insurance rates for different age categories. The premium estimates are based on a single female driver, comp and collision included, $1,000 deductibles, and no discounts are applied to the premium.
Car insurance premiums based on gender
The chart below compares Toyota Tacoma insurance rates for male and female drivers. Data assumes no violations or claims, full physical damage coverage, $100 deductibles, marital status is single, and no other discounts are factored in.
Comparing rates from local Montgomery auto insurance agents
Some consumers just prefer to get advice from a local agent and doing that can be a smart decision The biggest benefit of comparing insurance prices online is that drivers can save money and get the best rates and still have a local agent.
Once you complete this short form, your coverage information is sent to agents in your area that can give you free Montgomery auto insurance quotes for your car insurance coverage. It's much easier because you don't need to contact any insurance agencies as quotes are delivered to you. You can find better rates without a big time investment. If you wish to get a price quote from a specific car insurance provider, you can always search and find their rate quote page and submit a quote form there.
Picking a company requires more thought than just a low price. Here are some questions you might want to ask.
- Can they help ensure a fair claim settlement?
- What companies can they write with?
- Are they primarily personal or commercial lines agents in Montgomery?
- Are they in the agency full-time?
- Are there any extra charges for paying monthly?
- Do they have advanced training designations such as CPCU, AAI, AIC, or CIC?
- Who are their largest clients?
- Is the agency active in community causes in Montgomery?
Exclusive agents vs. Independent agents
If you need to find a reliable insurance agency, there are two different agency structures and how they are slightly different. Insurance agencies in Montgomery can either be exclusive or independent agents depending on their company appointments.
Exclusive Insurance Agents
These agents generally can only insure with one company such as Farmers Insurance or State Farm. These agents are not able to give you multiple price quotes so always compare other rates. Exclusive agents are trained well in insurance sales which helps offset the inability to provide other markets.
Listed below are exclusive agencies in Montgomery who may provide you with rate quotes.
Independent Insurance Agents
Independent agents do not have single company limitations and that gives them the ability to insure with an assortment of companies and find the cheapest rate. If you want to switch companies, your agent can just switch to a different company without you having to go to a different agency.
If you need cheaper car insurance rates, you absolutely need to get quotes from independent agents to ensure the widest selection of prices.
The following is a list of independent insurance agents in Montgomery who can help you get comparison quotes.
Nationwide Insurance: Jon Peters Insurance Agency Inc
4157 Carmichael Rd - Montgomery, AL 36106 - (334) 396-3141 - View Map
3613 Eastern Blvd - Montgomery, AL 36116 - (334) 273-8118 - View Map