If you’re looking for lower-priced insurance, are you overwhelmed by the dozens of auto insurance providers that you can choose from? You’re not alone. You have so many providers available that it is a difficult mission to compare prices on Toyota Tundra insurance. If you’ve ever been there, you know that Oakland is an excellent city in which to live, but high auto insurance prices can make it hard to purchase enough protection.
It’s an obvious conclusion that car insurance companies don’t want you comparing rates. Drivers who shop around are likely to move their business because there is a high probability of finding lower prices. A study discovered that consumers who regularly compared price quotes saved about $3,450 over four years compared to other drivers who never shopped for cheaper rates.
If finding the lowest price on insurance in Oakland is why you’re here, then having a grasp of how to choose a company and compare insurance rates can make it simple to find affordable coverage.
It’s important to take a look at other company’s rates as often as possible because insurance rates trend upward over time. Just because you found the best rate on Toyota Tundra insurance in Oakland a couple years back a different company probably has better prices today. You’ll find quite a bit of inaccurate information about Tundra insurance on the web, but we’re going to give you the best ways to put money back in your pocket.
Cheapest Toyota Tundra insurance quotes in Oakland, California
To get affordable Oakland car insurance quotes, there a variety of ways of comparing rates from companies that offer car insurance in California. The recommended way to find the lowest Toyota Tundra rates is to perform an online rate comparison. Just keep in mind that obtaining a wide range of quotes will improve the odds of getting more affordable insurance. Not every company provides rate quotes online, so it’s recommended that you also compare prices from them, too.
The providers in the list below are our best choices to provide quotes in Oakland, CA. If multiple companies are listed, it’s highly recommended you visit two to three different companies to get the best price comparison.
Toyota Tundra insurance analysis
The data table displayed next outlines different insurance costs for Toyota Tundra models. Having a good grasp of how premiums are established can assist in making smart choices when purchasing an auto insurance policy.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Tundra Regular Cab 2WD | $180 | $342 | $604 | $36 | $180 | $1,342 | $112 |
| Tundra SR/5 Double Cab 2WD | $206 | $416 | $604 | $36 | $180 | $1,442 | $120 |
| Tundra SR/5 Crew Max 2WD | $206 | $416 | $604 | $36 | $180 | $1,442 | $120 |
| Tundra Regular Cab 4WD | $234 | $416 | $604 | $36 | $180 | $1,470 | $123 |
| Tundra Double Cab 4WD | $234 | $416 | $604 | $36 | $180 | $1,470 | $123 |
| Tundra SR/5 Double Cab 4WD | $234 | $416 | $604 | $36 | $180 | $1,470 | $123 |
| Tundra Limited Double Cab 2WD | $234 | $490 | $604 | $36 | $180 | $1,544 | $129 |
| Tundra Limited Crew MAX 2WD | $234 | $490 | $604 | $36 | $180 | $1,544 | $129 |
| Tundra Limited Crew MAX 4WD | $260 | $490 | $604 | $36 | $180 | $1,570 | $131 |
| Tundra SR/5 Crew Max 4WD | $260 | $490 | $604 | $36 | $180 | $1,570 | $131 |
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Data rating is based on single male driver age 40, no speeding tickets, no at-fault accidents, $1000 deductibles, and California minimum liability limits. Discounts applied include homeowner, claim-free, safe-driver, multi-vehicle, and multi-policy. Estimates do not factor in vehicle location which can influence premium rates considerably.
Higher deductibles save money
One of the most common auto insurance questions is how high or low should comp and collision deductibles be. The data tables below may help to conceptualize the price difference of buying low and high physical damage coverage deductibles. The first rate estimation uses a $100 deductible for comp and collision and the second rate chart uses a $500 deductible.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Tundra Regular Cab 2WD | $332 | $564 | $500 | $30 | $150 | $1,601 | $133 |
| Tundra SR/5 Double Cab 2WD | $380 | $686 | $500 | $30 | $150 | $1,771 | $148 |
| Tundra SR/5 Crew Max 2WD | $380 | $686 | $500 | $30 | $150 | $1,771 | $148 |
| Tundra Regular Cab 4WD | $430 | $686 | $500 | $30 | $150 | $1,821 | $152 |
| Tundra Double Cab 4WD | $430 | $686 | $500 | $30 | $150 | $1,821 | $152 |
| Tundra SR/5 Double Cab 4WD | $430 | $686 | $500 | $30 | $150 | $1,821 | $152 |
| Tundra Limited Double Cab 2WD | $430 | $810 | $500 | $30 | $150 | $1,945 | $162 |
| Tundra Limited Crew MAX 2WD | $430 | $810 | $500 | $30 | $150 | $1,945 | $162 |
| Tundra Limited Crew MAX 4WD | $478 | $810 | $500 | $30 | $150 | $1,993 | $166 |
| Tundra SR/5 Crew Max 4WD | $478 | $810 | $500 | $30 | $150 | $1,993 | $166 |
| Get Your Own Custom Quote Go | |||||||
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Tundra Regular Cab 2WD | $242 | $382 | $500 | $30 | $150 | $1,304 | $109 |
| Tundra SR/5 Double Cab 2WD | $278 | $464 | $500 | $30 | $150 | $1,422 | $119 |
| Tundra SR/5 Crew Max 2WD | $278 | $464 | $500 | $30 | $150 | $1,422 | $119 |
| Tundra Regular Cab 4WD | $314 | $464 | $500 | $30 | $150 | $1,458 | $122 |
| Tundra Double Cab 4WD | $314 | $464 | $500 | $30 | $150 | $1,458 | $122 |
| Tundra SR/5 Double Cab 4WD | $314 | $464 | $500 | $30 | $150 | $1,458 | $122 |
| Tundra Limited Double Cab 2WD | $314 | $546 | $500 | $30 | $150 | $1,540 | $128 |
| Tundra Limited Crew MAX 2WD | $314 | $546 | $500 | $30 | $150 | $1,540 | $128 |
| Tundra Limited Crew MAX 4WD | $348 | $546 | $500 | $30 | $150 | $1,574 | $131 |
| Tundra SR/5 Crew Max 4WD | $348 | $546 | $500 | $30 | $150 | $1,574 | $131 |
| Get Your Own Custom Quote Go | |||||||
Data based on married male driver age 30, no speeding tickets, no at-fault accidents, and California minimum liability limits. Discounts applied include homeowner, claim-free, multi-vehicle, safe-driver, and multi-policy. Premium costs do not factor in vehicle garaging location which can impact auto insurance rates substantially.
Based on this data, using a $100 deductible could cost the average driver approximately $31 more each month or $372 for a full year than selecting the higher $500 deductible. Because you would be required to pay $400 more if you turn in a claim with a $500 deductible as compared to a $100 deductible, if you tend to average at least 13 months between claim filings, you would probably come out ahead if you decide on a higher deductible.
The chart below shows how different deductible levels and can affect Toyota Tundra insurance costs for different categories of driver ages. The information is based on a married female driver, comp and collision included, and no discounts are applied to the premium.
Toyota Tundra insurance premiums by gender
The information below illustrates the difference between Toyota Tundra insurance costs for male and female drivers. The costs are based on a clean driving record, no at-fault accidents, comp and collision included, $500 deductibles, marital status is single, and no other discounts are factored in.
Different people need different auto insurance coverages
When quoting and comparing proper insurance coverage, there really isn’t a “perfect” insurance plan. Coverage needs to be tailored to your specific needs and your auto insurance should unique, too.
For instance, these questions could help you determine whether or not you will benefit from professional help.
- Which companies are cheaper for teen drivers?
- How does medical payments coverage work?
- When would I need rental car insurance?
- When should I drop full coverage on my Toyota Tundra?
- Is my ex-spouse still covered by my policy?
- Is my camper covered for physical damage?
- What is UM/UIM insurance?
If it’s difficult to answer those questions but you think they might apply to your situation, you might consider talking to an agent. If you don’t have a local agent, simply complete this short form or click here for a list of auto insurance companies in your area.
Compare rates but work with a neighborhood Oakland auto insurance agent
A lot of people still like to have an agent’s advice and that is a personal choice. One of the great benefits of comparing rates online is you can get the best rates and still choose a local agent.
Upon completion of this short form, your insurance coverage information is transmitted to local insurance agents in Oakland who can give free rate quotes for your insurance coverage. It makes it easy because there is no need to drive around because prices are sent straight to your inbox. You can find better rates and an insurance agent to talk to. If for some reason you want to compare prices from a specific company, you just need to visit that company’s website and fill out the quote form the provide.
Choosing the best insurer should include more criteria than just the quoted price. You should also get answers to these questions.
- Do they write coverage based solely on cost?
- How is replacement cost determined on your vehicle?
- Where would glass claims be handled in Oakland?
- How long has the business existed?
- What is the financial rating for the quoted company?
- What insurance companies do they recommend if they are an independent agent?
- Do they carry Errors and Omissions coverage?