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How much do you pay for insurance?

Discussion in '2nd Gen. Tacomas (2005-2015)' started by Eastkat808, Feb 14, 2021.

  1. Feb 14, 2021 at 2:47 AM
    #1
    Eastkat808

    Eastkat808 [OP] Well-Known Member

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    I’m just curious how much everyone pays for insurance, I understand how it varies state by state. Just wanted to see what you guys are paying. I currently pay about $900 a year with Allstate. Full coverage $500 deductible. I’ve heard some people paying 3k+ a year for insurance
     
    Last edited: Feb 14, 2021
  2. Feb 14, 2021 at 3:11 AM
    #2
    6 gearT444E

    6 gearT444E Certified Electron Pusher

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    Deep South
    Herculiner Hootus
    $740 a year, $1k deductible.
     
    Eastkat808[OP] likes this.
  3. Feb 14, 2021 at 3:22 AM
    #3
    Yoyo-2006

    Yoyo-2006 Well-Known Member

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    State of Georgia full coverage
    42 bucks per month, 500 dollar deductible
    State Farm
     
    PackCon likes this.
  4. Feb 14, 2021 at 3:27 AM
    #4
    Notcris

    Notcris Well-Known Member

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    Georgia
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    Idk how old you guys are but I'm paying 240 full coverage and a 1k deductible. I'm 23 btw.
     
  5. Feb 14, 2021 at 3:28 AM
    #5
    Eastkat808

    Eastkat808 [OP] Well-Known Member

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    $240 a month or a year? I’m 22
     
  6. Feb 14, 2021 at 3:29 AM
    #6
    Yoyo-2006

    Yoyo-2006 Well-Known Member

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    I’m almost 32.
     
  7. Feb 14, 2021 at 3:31 AM
    #7
    Notcris

    Notcris Well-Known Member

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    Correction it's about 1100 a year but sadly I have 3 other vehicles on my plan I should probably go look for a better price tbh.
     
  8. Feb 14, 2021 at 3:32 AM
    #8
    Eastkat808

    Eastkat808 [OP] Well-Known Member

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    42 bucks a month is awesome! I wish. the reason I ask is because I wanted to move to Arizona and they wanted like $500 a month! I’ve got no accidents on my record 1 speeding ticket is all. I couldn’t believe they wanted that as I’ve never paid more than $100 a month even when I was still in high school.
     
    Hooper89 and Yoyo-2006[QUOTED] like this.
  9. Feb 14, 2021 at 3:36 AM
    #9
    Eastkat808

    Eastkat808 [OP] Well-Known Member

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    that 2021 probably jacking the price up off the lot insurance is usually a bit higher in my area. Compared if you purchased used
     
  10. Feb 14, 2021 at 3:40 AM
    #10
    Notcris

    Notcris Well-Known Member

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    Yup hopefully it goes down next year it's alot.
     
  11. Feb 14, 2021 at 6:41 AM
    #11
    rphillips

    rphillips Well-Known Member

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    Norene TN.
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    2013 Taco 4X4 & 2000 Camaro SS on same policy, Full coverage, $500 deduct. $850 pr. yr. Senior citizen.
     
    Eastkat808[OP] likes this.
  12. Feb 14, 2021 at 6:50 AM
    #12
    Knute

    Knute Well-Known Member

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    All rolled into a combined policy. '19 Honda CR-V, '06 Toyota Tacoma, '02 Chevy Trailblazer, '81 Honda CX500C, 3 drivers. In Iowa.

    Yearly premium ~$1400 with Auto Owner's thru an independent agent.
     
    Last edited: Feb 14, 2021
    Eastkat808[OP] likes this.
  13. Feb 14, 2021 at 7:05 AM
    #13
    sgage

    sgage Well-Known Member

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    I pay $380 per year, $50 deductible for comp, $250 for collision. This is with State Farm, and they also do my home insurance. I'm 65, and in NH. I would rather pay 3 times as much and be 40 again :rolleyes:
     
    Last edited: Feb 14, 2021
  14. Feb 14, 2021 at 7:26 AM
    #14
    ejl923

    ejl923 Well-Known Member

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    I’m no insurance expert, but full coverage is very subjective. Full to some means I’m fully covered per the state’s minimum requirements. Make sure to compare coverages item by item.
     
  15. Feb 14, 2021 at 7:33 AM
    #15
    Knute

    Knute Well-Known Member

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    Truth is.....your best option is to shop around. Different carriers will have different options.

    Yes, State's define minimum coverage, nothing wrong with a little more depending on cost.

    Trying to compare a mid-West state to a state like CA or NY......will show a huge difference in cost and coverage.

    FWIW, we have always found the most cost effective option for our situation has been with Independent Agents. These guys will typically represent several carriers.
     
    CXYyuppie and Eastkat808[OP] like this.
  16. Feb 14, 2021 at 7:33 AM
    #16
    LoveableWerewolf

    LoveableWerewolf Well-Known Member

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    For my taco its 85$ a month in Tennessee for full coverage 1k deductable. I'm 22, with a less than average driving record cause I was an idiot at 16. It went down 45$ a month when I moved to Tennessee.
    My mighty max for liability is 18$ a year, kinda confused on that one.
    I have my insurance agent shop around for me every six months. It's gone down every time. Highly recommend a good agent, emphasis on good.
     
  17. Feb 14, 2021 at 7:40 AM
    #17
    Alexs510

    Alexs510 New Member

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    I pay $905 a year ($75 per month) full coverage and $1,000 deductible, I’m 31 from Bay area, California
     
  18. Feb 14, 2021 at 7:43 AM
    #18
    LoveableWerewolf

    LoveableWerewolf Well-Known Member

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    If you think insurance varies, just look up registration costs in maine. It's ridiculous
     
    Eastkat808[OP] likes this.
  19. Feb 14, 2021 at 7:44 AM
    #19
    Oreo Cat

    Oreo Cat Worst Member

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    Coeur d’Alene, Idaho
    My Tacoma is listed as my second car, $93 every 6 months (not full coverage)
     
  20. Feb 14, 2021 at 9:24 AM
    #20
    JSB10

    JSB10 Well-Known Member

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    Liability with collision uninsured motorist 1000 deductible 380 year. State farm the 3 year no accident policy helps and it has continued to go down the longer i remain accident free.
     

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