insurance

I have a approx quote on a 24 Tacoma trd off road auto, prem pkg, 5ft bed. My premium over my 19 Tacoma trd off road auto v6 loaded is $128 more. Has anyone had a big increase like this? My Agent gave me this quote on a similar equipped Tacoma. I don't have a VIN yet, it won't be here until next month.

 

128$ a year more? Or a month more?
I went from a 16 to a 24 premium and it’s about 150 a YEAR more. Seems on par for much newer truck that costs more.

 

What insurance company?

 

Every insurance company I've ever had has raised rates at every renewal. Just have to shop around.

 

Travelers

 

Holy guacamole that seems high for a 24 Tacoma.

 

I was with Farmers until 3 months ago. Travelers is a little less.

 

My 2017 TRD OR 4x4 with progressive is about $1400 a year. No claims, clean driving record. Home insurance is bundle with them too. I'm planning on shopping around for a better rate soon.

edit: about the same coverages too except I went $250 deductible on comprehensive.

 

I wish I could get glass coverage, only available under comprehensive. Weak.
To be on topic, that’s outrageous to increase that much. Shop shop shop

 

That’s crazy. Keep looking.

 

Once I have the VIN I'll get another quote. This is a big increase. I wonder if they entered something wrong. My record is clean, no claims, I included another vehicle and my homeowners is with the same company.

 

would you happen to be located in California?


insurance rates here have been skyrocketing, with some carriers pulling out altogether. cars, motorcycles, and home, none are safe.

 

My insurance just charged 300/year more and I haven't changed any cars since 2022 - and my last claim was a $50 rock chip repair that is over 8 years old.

In about 5 days, my insurance is about to find out that I purchased a policy elsewhere. They only charge $25 more than last year.

 

I'm in Arkansas

 

That’s crazy expensive! Where you live and drive has a big impact on premiums, as does your driving record. I would definitely shop around some more.

 

I pay $1100 less per year with a 2024 X5 BMW, 2021 Tacoma Off-road, and 2016 4Runner Trail Premium.

 

Just a few things that go in to insurance pricing:

Location
Vehicle
Credit score
education level
home ownership
driver history
multi policy discount
Current market conditions on repairing insured make/model. How easy it is to be totaled in an accident.
theft rate(KIA Boyz!!)

2 biggest things you can do to save money are shop around or raise your deductible. If you have a $500 deductible then raise it to $750 or $1k and watch the price drop.

 

If you are a Costco member, get a quote.

https://www.costco.com/auto-home-insurance-services.html

 

I'm in Arkansas, no citations, no claims, 2 vehicles and home on my policy. I'm retired so there's not many miles driven daily. I was with Farmers but switched to Travelers, Travelers was a little less. It's a big increase.

 

My insurance went from 130/mo to 180/mo sometime between fall/winter. I didn't even notice until Xmas. Finally got the F off that insurance company and switched to Geico. I, literally, saved money by switching to Geico. Their advertisements are 100% factual (for me)