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Taco Insurance Rates

Discussion in '2nd Gen. Tacomas (2005-2015)' started by surfsupl, Jan 20, 2008.

  1. Jan 20, 2008 at 9:43 PM
    #1
    surfsupl

    surfsupl [OP] Well-Known Member

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    I DONT CARE IF IT'S A RE-POST
    Rear Diff Breather~ 5100's ~Fog Light Anytime~Tint~TRD Seat Covers~Weather Tech's~Pioneer H.U.~Lift~Eibach Springs~LED's......blah...blah...blah
    I'm looking to renew my insurance policy at the end of Feb. Right now I am with Progressive. My monthly rate is 156.00 .. I have a clean driving record, no accidents or tickets ever. I am in my 30's, and single. I know Insurance rates very depending on where you live, what type of coverage, tickets, accidents, claims,etc..I have the rate that progressive reccomends for where I live with a 500.00 deductible. My question is when shopping around for your Taco insurance who did you find to be the best insurance company for you?
     
  2. Jan 20, 2008 at 9:52 PM
    #2
    TacoSter

    TacoSter Well-Known Member

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    to many variables like you mentioned... I change companies approx every 4 years... they bring you in low then creep your rate up... started at state farm.. went many others, now I'm back...funny how they can lower your rate as a new customer, but could give a rats azz if you have been with them awhile:rolleyes:
    I would shop around and deal like you do with purchasing the truck...lie and say you can get it cheaper down the street... you will find agents for the same provider (ie;state farm) that will give you different rates based on how many deals they wanna pull off that month
     
  3. Jan 20, 2008 at 9:53 PM
    #3
    WilsonTheDog

    WilsonTheDog Kylie's dad

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    Myrtle Beach SC
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    Magnaflow 12576 muffler & chrome tip, Westin step bars, 27% tint, Pop N Lock, AFE ProdryS, bed mat, Husky liners, D-rings added, Access Literider tonneau, Pioneer 4-ways all around, GY Wrangler Duratracs 265/75/16, 5100's @ 1.75", 1.5" AAL
    Nationwide for me but, like you said, it varies state to state. Full coverage for me in SC is under $800/year but I also have homeowners through them so I get a discount. Just shop around.
     
  4. Jan 20, 2008 at 10:24 PM
    #4
    TuRDTACO

    TuRDTACO Carolina Alliance: Midwest Firearms Division

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    joliet, il
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    HAD 07 TRD OFFROAD PRERUNNER
    small dent on the hood, new foglight bulb, roughed up bedliner, been smoked in, suspicious stains on the passenger seat, boogers on the drivers seat, dirty floor mats, girl doodles on the dirty windows, loose wiring
    you must live in a high-accident area cuz my insurance was $170 a month with about 40 tickets and being 21 and single lol
     
  5. Jan 21, 2008 at 2:27 AM
    #5
    ERdept

    ERdept Well-Known Member

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    Just for comparison from AAA in SoCal. I am in my 40's. Clean record. 2008 Toy, Prerunner, V6, Auto.


    I paid for the whole year in advanced, comprehensive and liability. $1200.
     
  6. Jan 21, 2008 at 6:03 AM
    #6
    klown

    klown Tacoma World Ring Leader

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    Lynchburg, VA
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    Black, leather and heated seats, borla sport exhaust, side curtain airbags, daytime running lights, all weather mats, JBL premium 6 disk changer system, stainless step tubes, window tint, tow package
    I don't mean to be rude, but it doesn't really matter where other people are finding the lower rates. Just because a certain company has a lower rate in a certain area, doesn't mean they will have the lowest rate in your area. Best thing for you is to shop around and call all the insurance guys in your area, and don't really worry about what others in different areas are paying.
     
  7. Jan 21, 2008 at 6:15 AM
    #7
    Great Dane

    Great Dane Member

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    Georgetown, Ky
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    None yet, but it will be a base standard cab, 5-spd., 2wd.
    I've been with State Farm for about 10 years now, and I've loved it. My rates have never went up, and I've gotten all kinds of discounts with them. I've got three cars insured with them now, and I've already gotten a rate quote for my Tacoma (that I haven't purchased yet).
     
  8. Jan 21, 2008 at 6:32 AM
    #8
    Janster

    Janster Old & Forgetful

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    Lancaster, PA
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    Dude, you gotta get married or buy a house or something. :D

    Erie Insurance Group


    Located in Lancaster, PA
    Married Ages 38 & 40
    4 vehicles on policy (2007, 2006, 2001 full coverage)(1994 liability only)
    House insured with them
    Perfect driving records for both of us
    $0 deductable Comprehensive
    $250 deductable Collision
    Full tort

    The Tacoma is the most expensive vehicle to insure. Has full coverage.
    $570 a year for the Tacoma
     
  9. Jan 21, 2008 at 7:43 AM
    #9
    wormhole7

    wormhole7 Well-Known Member

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    Leather, Suspension TSB, Billy 5100's up front set at .85, Eaton Posi LSD,Grillcraft Black Mesh Grills,Aires Bull Bar,Black Low Profile Narrow Toybox,Black Headlight Mod,Black Tail lights ,USA Spec,Ipod, PopnLock,Bed Mat,Bug Sheild,Vent Visors, Weathertec Liners,Radar,Nuvi 760,Dog Ramp,Convex Mirrors, Roof Rack, Tint, Borla exhaust, Borla Intake, OBX pedals, Home Link Auto Dimming Mirror with remote, 20" Factory Wheels, Factory Tube Steps
    USAA here, and I pay about 730 a year with 500 deductible.
    But, I am old as dirt.
     
  10. Jan 21, 2008 at 8:04 AM
    #10
    Demoncleaner

    Demoncleaner Well-Known Member

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    TRD exhaust Homemade bed mat & bed extender, front Drings, Short clutch throw, Summer: Stock 17's Winter: Blizzaks on 16' black steelies
    After 10 yrs with Allstate, I switched to Geico. My rate dropped 40%, exactly like the commercial. Go figure.

    My sled which is worth 4 times less, use only a few weekends during 3 months of a year, cost the nearly same as the truck, really go figure.
     
  11. Jan 21, 2008 at 8:11 AM
    #11
    Great Dane

    Great Dane Member

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    Georgetown, Ky
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    None yet, but it will be a base standard cab, 5-spd., 2wd.
    I tried to get a rate quote from Geico, and my rates would've went up 30%. That's why I'm still with State Farm. In fact, no other insurace company can beat the rate that I'm getting now.
     
  12. Jan 21, 2008 at 8:12 AM
    #12
    lsocoee

    lsocoee My hair is all natural Moderator

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    I'm with USAA and I doubt mine is the lowest, but I enjoy their service. I pay $107/month.
     
  13. Jan 21, 2008 at 9:10 AM
    #13
    surfsupl

    surfsupl [OP] Well-Known Member

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    I DONT CARE IF IT'S A RE-POST
    Rear Diff Breather~ 5100's ~Fog Light Anytime~Tint~TRD Seat Covers~Weather Tech's~Pioneer H.U.~Lift~Eibach Springs~LED's......blah...blah...blah
    If I remeber right,tell me if I am wrong but USAA insurance is for someone who is military isn't it?..You are all right!..To many variables makes it very difficult to pinpoint a rate. I know one of the reasons why I think my rate is high is I live in So Cal ..land of uninsured driver. I was just curious what others were paying every 6 months or by the year!...And I will not lie to the insurance company down the street and say I can get it lower another place unless I have it in writing!..Karma is a bitch!
     
  14. Jan 21, 2008 at 10:30 AM
    #14
    Simon's Mom

    Simon's Mom Wag More Bark Less

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    Stock for now
    Yes military. I'm USAA too & with everything wrapped up (house, truck, toys) in one policy its hard to give you a real number. The guys idea on shopping around in your area is the best suggestion. Buying a house or getting married only may make your rate go down but boy will hit your wallet and then some. :p Good Luck
     
  15. Jan 21, 2008 at 10:58 AM
    #15
    lsocoee

    lsocoee My hair is all natural Moderator

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    USAA is also for adult children of USAA members, which is where I fit in.
     
  16. Jan 21, 2008 at 11:03 AM
    #16
    350TacoZilla

    350TacoZilla Well-Known Member

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    2.7L 3RZ,K&N filter, 4" deck plate mod,flowmaster 40 series,3" suspension lift, hybrid 52"chevy/toyota rear springs.
    25 here and have had license suspended twice $240 every 6 months Esurance
     
  17. Jan 21, 2008 at 11:50 AM
    #17
    Coheednme13

    Coheednme13 Well-Known Member

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    MattDaddy
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    Hey Tacozilla do you only have liablity with esurance? I didn't know if they could offer full coverage or not?
     
  18. Jan 21, 2008 at 11:53 AM
    #18
    Coheednme13

    Coheednme13 Well-Known Member

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    I'm 23 and single with a few tickets and my rate is 475/six months with Allstate. My deductible is $400 and I have better than minimum coverage. Accident forgiveness, new car replacement, roadside assistance. yada yada yada
     
  19. Jan 21, 2008 at 11:57 AM
    #19
    WilsonTheDog

    WilsonTheDog Kylie's dad

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    Magnaflow 12576 muffler & chrome tip, Westin step bars, 27% tint, Pop N Lock, AFE ProdryS, bed mat, Husky liners, D-rings added, Access Literider tonneau, Pioneer 4-ways all around, GY Wrangler Duratracs 265/75/16, 5100's @ 1.75", 1.5" AAL
    Keep in mind while shopping that customer service should also be a priority. For example, I was with Allstate for 13 years and found out what a turd they were after I was hit from behind while stopped at a stoplight. Ended up going with State Farm where the actual agent was the turd (rates went up each month for 5 months and couldn't explain it) and finally went with Nationwide who I've been with for 5 years now with a great agent and decent customer service from the company itself.

    I guess the moral of the story is: Cheaper doesn't equate to "better".
     
  20. Jan 21, 2008 at 12:30 PM
    #20
    surfsupl

    surfsupl [OP] Well-Known Member

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    Gregg
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    I DONT CARE IF IT'S A RE-POST
    Rear Diff Breather~ 5100's ~Fog Light Anytime~Tint~TRD Seat Covers~Weather Tech's~Pioneer H.U.~Lift~Eibach Springs~LED's......blah...blah...blah
    Sounds like liability only...I have a 2000 prerunner and its 360 every 6 months!
     
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