Insurance rates Toyota Tacoma in RenoPrice shopping your Toyota Tacoma insurance in Reno can be a challenge for people who have little experience comparison shopping online. With such a big selection of agents and companies competing online, it can quickly become a difficult mission to compare prices in Nevada on Toyota Tacoma insurance.

It's hard to believe, but about 70% of customers kept their coverage with the same auto insurance company for over three years, and nearly 40% of drivers have never shopped around. Reno drivers could cut their rates by $550 a year just by shopping around, but they assume it's a waste of time to compare rates.

If you have car insurance now, you will most likely be able to find better prices using the following tips. Comparison shopping for the lowest cost car insurance policy in Reno is not that difficult. Although Nevada drivers do need to learn how companies price insurance differently because rates fluctuate considerably.

When price shopping your coverage, comparing a large number of companies helps you find more affordable insurance.

The companies shown below are ready to provide price quotes in Reno, NV. If the list has multiple companies, we recommend you visit as many as you can to get the best price comparison.

Toyota Tacoma Insurance Cost Estimates in Reno, NV
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Tacoma 2WD $146 $318 $348 $20 $104 $936 $78
Tacoma 4WD $266 $394 $308 $18 $92 $1,078 $90
Tacoma Double Cab 4WD $190 $372 $372 $22 $112 $1,068 $89
Tacoma X-Runner 2WD $242 $520 $318 $18 $96 $1,194 $100
Tacoma Double Cab 4WD $190 $252 $404 $24 $120 $990 $83
Tacoma Double Cab TRD Off-Road Package 4WD $210 $342 $296 $18 $88 $954 $80
Tacoma Double Cab TRD Sport Package 4WD $188 $318 $348 $20 $104 $978 $82
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Data based on single female driver age 50, no speeding tickets, no at-fault accidents, $500 deductibles, and Nevada minimum liability limits. Discounts applied include claim-free, multi-policy, multi-vehicle, homeowner, and safe-driver. Prices do not factor in garaging location in Reno which can decrease or increase coverage rates significantly.

Higher deductibles lower rates

When buying auto insurance, a common question is which deductibles should you choose. The premium rates below outline the difference in cost when you buy lower versus higher policy deductibles. The first set of prices uses a $100 physical damage coverage deductible and the second set of prices uses a $500 deductible.

Toyota Tacoma insurance premium rates with $100 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Tacoma 2WD $232 $478 $308 $18 $92 $1,153 $96
Tacoma 4WD $266 $394 $308 $18 $92 $1,103 $92
Tacoma Double Cab 4WD $266 $478 $308 $18 $92 $1,187 $99
Tacoma X-Runner 2WD $266 $564 $308 $18 $92 $1,273 $106
Tacoma Double Cab 4WD $300 $478 $308 $18 $92 $1,221 $102
Tacoma Double Cab TRD Off-Road Package 4WD $300 $478 $308 $18 $92 $1,221 $102
Tacoma Double Cab TRD Sport Package 4WD $300 $478 $308 $18 $92 $1,221 $102
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Toyota Tacoma insurance premium rates with $500 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Tacoma 2WD $168 $324 $308 $18 $92 $910 $76
Tacoma 4WD $194 $266 $308 $18 $92 $878 $73
Tacoma Double Cab 4WD $194 $324 $308 $18 $92 $936 $78
Tacoma X-Runner 2WD $194 $382 $308 $18 $92 $994 $83
Tacoma Double Cab 4WD $218 $324 $308 $18 $92 $960 $80
Tacoma Double Cab TRD Off-Road Package 4WD $218 $324 $308 $18 $92 $960 $80
Tacoma Double Cab TRD Sport Package 4WD $218 $324 $308 $18 $92 $960 $80
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Data based on married male driver age 30, no speeding tickets, no at-fault accidents, and Nevada minimum liability limits. Discounts applied include claim-free, multi-policy, homeowner, safe-driver, and multi-vehicle. Rate quotes do not factor in specific garaging location which can affect coverage rates considerably.

Based on the figures above, using a $100 deductible costs approximately $21 more each month or $252 every year than quoting the higher $500 deductible. Since you would have to pay $400 more if you turn in a claim with a $500 deductible as compared to a $100 deductible, if you normally go at least 19 months between claim filings, you would more than likely save some money if you elect the higher deductible.

How to determine if higher deductibles are a good idea

Average monthly premium for $100 deductibles: $100
Average monthly premium for $500 deductibles (subtract): - $79
Monthly savings from raising deductible: $21
Difference between deductibles ($500 - $100): $400
Divide difference by monthly savings: $400 / $21
Number of months required between physical damage coverage claims in order to save money by choosing the higher deductible 19 months

An important sidenote is that a higher deductible means you will have to pay more when you have a claim. That will require enough extra savings in the event you need to pay the deductible for vehicle repair.

Toyota Tacoma insurance rates by age and gender

The example below visualizes the comparison of Toyota Tacoma insurance prices for male and female drivers. The information is based on no claims, a clean driving record, comp and collision included, $250 deductibles, drivers are not married, and no discounts are taken into consideration.

Careless drivers pay higher rates

The illustration below highlights how traffic violations and at-fault claims drive up Toyota Tacoma insurance premiums for different categories of driver ages. The rate quotes are based on a single female driver, comprehensive and collision coverage, $100 deductibles, and no additional discounts are factored in.

What insurance coverages do I need?

When it comes to your policy, there really is not a "best" method to buy coverage. Everyone's situation is a little different so this has to be addressed.Drive safe and save Here are some questions about coverages that can help discover whether your personal situation will benefit from professional help.

If you can't answer these questions but a few of them apply, you may need to chat with a licensed agent. If you want to speak to an agent in your area, simply complete this short form or you can also visit this page to select a carrier

Local Reno auto insurance agents and insurance

Some consumers would rather talk to an insurance agent and that is not a bad decision A good thing about getting online price quotes is the fact that drivers can get lower car insurance rates and still choose a local agent.

Insurance agency in RenoAfter filling out this simple form, the coverage information is immediately sent to local insurance agents who will give you quotes and help you find cheaper coverage. There is no reason to search for an agent because quoted prices will be sent directly to your email. You can find the lowest rates and a licensed agent to talk to. If you need to compare rates from a specific insurance provider, you would need to visit that company's website and give them your coverage information.

Deciding on a provider requires you to look at more than just the quoted price. Ask your prospective agent these questions:

Exclusive and independent Reno car insurance agents

If you're trying to find local Reno agents, you must know there are a couple types of insurance agents and how they can service your needs differently. Agents are considered either exclusive agents or independent agents.

Exclusive Agencies

Exclusive insurance agents write business for a single company and examples are State Farm, Allstate and AAA. These agents are unable to compare other company's rates so you need to shop around if the rates are high. These agents are usually well trained in insurance sales and that can be a competitive advantage. Drivers often buy from the same agent for years primarily because of the prominence of the brand rather than low rates.

The following is a list of exclusive insurance agencies in Reno that can give you rate quotes.

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Independent Insurance Agencies

Agents that elect to be independent often have many company appointments so they have the ability to put coverage through many companies and potentially find a lower price. To move your coverage to a new company, they simply switch companies in-house and you don't have to do anything.

If you are trying to find cheaper rates, you will want to get quotes from several independent insurance agents in order to compare the most rates. Many independent agencies also insure through small regional insurance companies that many times have cheaper rates.

The following is a short list of independent insurance agencies in Reno willing to provide price quotes.

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