Insurance rates Toyota Tundra in ColumbiaDid budget coverage turn out to be overpriced Toyota Tundra insurance in Columbia? Don't sweat it because many consumers are feeling buyer's remorse and feel like there's no way out.

Statistics show that a large majority of drivers in South Carolina kept their policy with the same company for a minimum of four years, and about 40% of consumers have never even compared quotes to find lower-cost rates. Drivers in the United States could save themselves 47% a year just by getting comparison quotes, but most just don't grasp the actual amount they would save if they changed companies. There is such a variety of car insurance companies to buy insurance from, and although it's a good thing to have a selection, it can be more difficult to compare rates for Toyota Tundra insurance in Columbia.

You need to compare premium rates at least once a year due to the fact that insurance prices are usually higher with each renewal. If you had the best deal on Toyota Tundra insurance in Columbia two years ago you may be paying too much now. Forget all the misinformation about insurance because you're about to find out how to use the internet to find better coverage on Toyota Tundra insurance in Columbia at a better price.

Locating the best rates in Columbia is much easier if you have a good place to start. If you already have coverage, you will definitely be able to find better prices using the following tips. Consumers only need an understanding of the most effective way to quote multiple rates from many different companies.

Finding cheaper Toyota Tundra car insurance prices can be surprisingly simple. All you need to do is invest a few minutes comparing rates from some recommended companies.

It's so easy to compare price quotes online that it takes the place of having to physically go to each insurance agency near you. The ability to buy insurance online makes this process obsolete unless you require the professional assistance of a licensed agent. It is possible to compare online quotes and have a local agent actually service the policy.

The companies in the list below have been selected to offer quotes in South Carolina. If multiple companies are listed, we suggest you compare several of them to get the best price comparison.

Toyota Tundra Insurance Estimates in Columbia, SC
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Tundra Regular Cab 2WD $122 $226 $436 $26 $130 $940 $78
Tundra SR/5 Double Cab 2WD $252 $520 $436 $26 $130 $1,364 $114
Tundra SR/5 Crew Max 2WD $184 $352 $404 $24 $122 $1,086 $91
Tundra Regular Cab 4WD $286 $520 $436 $26 $130 $1,398 $117
Tundra Double Cab 4WD $286 $546 $436 $26 $130 $1,424 $119
Tundra SR/5 Double Cab 4WD $158 $274 $404 $24 $122 $982 $82
Tundra Limited Double Cab 2WD $232 $446 $370 $22 $110 $1,180 $98
Tundra Limited Crew MAX 2WD $158 $322 $404 $24 $122 $1,030 $86
Tundra Limited Crew MAX 4WD $196 $372 $502 $30 $150 $1,250 $104
Tundra SR/5 Crew Max 4WD $318 $612 $404 $24 $122 $1,480 $123
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Data based on married female driver age 40, no speeding tickets, no at-fault accidents, $100 deductibles, and South Carolina minimum liability limits. Discounts applied include multi-vehicle, safe-driver, multi-policy, homeowner, and claim-free. Information does not factor in zip code location which can modify prices significantly.

Higher deductibles save money

One of the more difficult decisions when buying auto insurance is how high should the physical damage deductibles be. The data tables below lay out how much more you'll pay when you select higher and lower physical damage deductibles. The first rate quote example uses a $100 deductible and the second rate chart uses a $1,000 deductible.

Toyota Tundra insurance rates with $100 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Tundra Regular Cab 2WD $256 $436 $386 $22 $116 $1,241 $103
Tundra SR/5 Double Cab 2WD $294 $530 $386 $22 $116 $1,373 $114
Tundra SR/5 Crew Max 2WD $294 $530 $386 $22 $116 $1,373 $114
Tundra Regular Cab 4WD $332 $530 $386 $22 $116 $1,411 $118
Tundra Double Cab 4WD $332 $530 $386 $22 $116 $1,411 $118
Tundra SR/5 Double Cab 4WD $332 $530 $386 $22 $116 $1,411 $118
Tundra Limited Double Cab 2WD $332 $624 $386 $22 $116 $1,505 $125
Tundra Limited Crew MAX 2WD $332 $624 $386 $22 $116 $1,505 $125
Tundra Limited Crew MAX 4WD $370 $624 $386 $22 $116 $1,543 $129
Tundra SR/5 Crew Max 4WD $370 $624 $386 $22 $116 $1,543 $129
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Toyota Tundra insurance rates with $1,000 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Tundra Regular Cab 2WD $142 $230 $386 $22 $116 $896 $75
Tundra SR/5 Double Cab 2WD $162 $280 $386 $22 $116 $966 $81
Tundra SR/5 Crew Max 2WD $162 $280 $386 $22 $116 $966 $81
Tundra Regular Cab 4WD $184 $280 $386 $22 $116 $988 $82
Tundra Double Cab 4WD $184 $280 $386 $22 $116 $988 $82
Tundra SR/5 Double Cab 4WD $184 $280 $386 $22 $116 $988 $82
Tundra Limited Double Cab 2WD $184 $330 $386 $22 $116 $1,038 $87
Tundra Limited Crew MAX 2WD $184 $330 $386 $22 $116 $1,038 $87
Tundra Limited Crew MAX 4WD $204 $330 $386 $22 $116 $1,058 $88
Tundra SR/5 Crew Max 4WD $204 $330 $386 $22 $116 $1,058 $88
Get Your Own Custom Quote Go

Data based on married male driver age 30, no speeding tickets, no at-fault accidents, and South Carolina minimum liability limits. Discounts applied include homeowner, multi-policy, safe-driver, multi-vehicle, and claim-free. Rate quotes do not factor in specific location which can raise or lower coverage prices significantly.

We can derive from the above data that using a $100 deductible could cost the average driver approximately $36 more each month or $432 each year than requesting the higher $1,000 deductible. Because you would pay $900 more out-of-pocket with a $1,000 deductible as compared to a $100 deductible, if you normally average at least 25 months between claims, you would most likely save money by selecting a higher deductible.

How to determine if a higher deductible is a good idea

Average monthly premium for $100 deductibles: $119
Average monthly premium for $1,000 deductibles (subtract): - $83
Monthly savings from raising deductible: $36
Difference between deductibles ($1,000 - $100): $900
Divide difference by monthly savings: $900 / $36
Number of months required between physical damage coverage claims in order to save money by choosing the higher deductible 25 months

Companies offer many discounts on Toyota Tundra insurance in Columbia

Car insurance can cost a lot, but you may qualify for discounts to help offset the cost. Certain discounts will be triggered automatically at quote time, but some need to be inquired about before you get the savings.Discount insurance

Just know that most of the big mark downs will not be given to all coverage premiums. Some only apply to the cost of specific coverages such as comp or med pay. If you do the math and it seems like you would end up receiving a 100% discount, that's just not realistic. Any qualifying discounts will help lower your overall bill.

Popular insurance companies and some of their more popular discounts are outlined below.

If you need the cheapest Toyota Tundra rate quotes, ask each company or agent which credits you are entitled to. Some of the earlier mentioned discounts may not apply to policies in Columbia.

Insuring your vehicle just makes sense

Despite the high cost, insurance may not be optional for several reasons.

The benefits of buying insurance more than cancel out the cost, especially for larger claims. But the average American driver is overpaying more than $865 each year so you should quote your policy with other companies at every renewal to help ensure money is not being wasted.

Car insurance is unique, just like you

When buying coverage online or from an agent for your personal vehicles, there really is no one size fits all plan. Your financial needs are unique.Safe vehicles cost less to insure

Here are some questions about coverages that could help you determine whether or not you would benefit from an agent's advice.

If you don't know the answers to these questions but you think they might apply to your situation then you might want to talk to a licensed insurance agent. To find lower rates from a local agent, simply complete this short form. It is quick, free and may give you better protection.

Compare rates but buy from a local Columbia insurance agency

A small number of people would rather buy from a licensed agent and often times that is recommended Good agents are trained risk managers and help submit paperwork. The best thing about comparing insurance online is the fact that drivers can get better rates and still choose a local agent.

Columbia insurance agentsUpon completion of this quick form, your information is transmitted to local insurance agents in Columbia who want to provide quotes to get your business. You don't have to visit any agencies as quotes are delivered directly to your email. If you need to compare rates from one company in particular, you just need to visit that company's website and fill out their quote form.

Picking an insurer is decision based upon more than just the bottom line cost. Some important questions to ask are:

If you want a reliable insurance agency, there are a couple of different types of agents and how they are distinctly different. Insurance agencies in Columbia are classified as either exclusive agents or independent agents. Both types of agents can sell affordable insurance policies, but it's a good idea to understand the subtle differences since it may influence your selection of an agent.

Exclusive Agents

Exclusive agents normally can only provide a single company's rates and examples are Allstate, AAA, Farmers Insurance, and State Farm. Exclusive agencies are unable to place coverage with different providers so they are skilled at selling on more than just price. Exclusive insurance agents are trained well on the products they sell which helps them compete with independent agents.

Shown below is a list of exclusive agents in Columbia that can give you rate quotes.


1920 Bull St c - Columbia, SC 29201 - (803) 779-6650 - View Map


9016 Farrow Rd Ste A - Columbia, SC 29203 - (803) 736-5999 - View Map


10201 Two Notch Rd - Columbia, SC 29229 - (803) 788-2884 - View Map

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Independent Agencies or Brokers

These agents are appointed with more than one company so they can quote policies with a variety of different insurance companies and get you the best rates possible. If they find a lower price, your agent can switch companies and you don't have to switch agencies.

If you are comparing insurance prices, you need to compare prices from several independent agencies so that you have a good selection of quotes to compare.

Listed below is a short list of independent insurance agents in Columbia who can help you get comparison quotes.


1617 Broad River Rd - Columbia, SC 29210 - (803) 772-6688 - View Map

Smoak Insurance Agency, Inc.
1534 Leesburg Rd - Columbia, SC 29209 - (803) 254-4323 - View Map


1700 Laurel St - Columbia, SC 29201 - (803) 799-9979 - View Map

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