Are you looking for low-cost auto insurance rates in New Orleans, LA? New Orleans buyers have options when searching for the lowest priced Toyota Tundra insurance. You can either waste hours struggling with agents getting price quotes or leverage the internet to find the lowest rates.
There are more efficient ways to find auto insurance online so we’re going to tell you the best way to price shop coverage for your Toyota and get the cheapest rates from both online companies and New Orleans agents.
It’s important to get comparison quotes once or twice a year because auto insurance prices change quite often. Even if you got the best deal on Toyota Tundra insurance in New Orleans last year you will most likely find a better premium rate today. Block out anything you think you know about auto insurance because I’m going to let you in on the secrets to the only way to buy cheaper Toyota Tundra insurance in New Orleans.
The purpose of this article is to help educate you on the best way to quote coverages and also save some money in the process If you have a policy now, you should be able to get lower rates using the concepts you’re about to learn. Smart shoppers only need to know the least time-consuming way to shop for car insurance online.
Companies offering cheap Toyota Tundra rate quotes in New Orleans, LA
The providers in the list below offer price comparisons in New Orleans, LA. To find the best cheap car insurance in Louisiana, it’s a good idea that you click on several of them to find the most competitive car insurance rates.
Insurance coverage analysis
The information displayed below covers detailed analysis of insurance policy prices for Toyota Tundra models. Learning as much as possible about how auto insurance policy rates are formulated is important for you to make informed coverage decisions.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Tundra Regular Cab 2WD | $348 | $612 | $708 | $42 | $212 | $1,922 | $160 |
| Tundra SR/5 Double Cab 2WD | $398 | $744 | $708 | $42 | $212 | $2,104 | $175 |
| Tundra SR/5 Crew Max 2WD | $398 | $744 | $708 | $42 | $212 | $2,104 | $175 |
| Tundra Regular Cab 4WD | $450 | $744 | $708 | $42 | $212 | $2,156 | $180 |
| Tundra Double Cab 4WD | $450 | $744 | $708 | $42 | $212 | $2,156 | $180 |
| Tundra SR/5 Double Cab 4WD | $450 | $744 | $708 | $42 | $212 | $2,156 | $180 |
| Tundra Limited Double Cab 2WD | $450 | $876 | $708 | $42 | $212 | $2,288 | $191 |
| Tundra Limited Crew MAX 2WD | $450 | $876 | $708 | $42 | $212 | $2,288 | $191 |
| Tundra Limited Crew MAX 4WD | $500 | $876 | $708 | $42 | $212 | $2,338 | $195 |
| Tundra SR/5 Crew Max 4WD | $500 | $876 | $708 | $42 | $212 | $2,338 | $195 |
| Get Your Own Custom Quote Go | |||||||
Table data assumes single female driver age 30, no speeding tickets, no at-fault accidents, $250 deductibles, and Louisiana minimum liability limits. Discounts applied include safe-driver, claim-free, multi-vehicle, homeowner, and multi-policy. Price information does not factor in specific location information which can raise or lower auto insurance rates noticeably.
How high should deductibles be?
The hardest decision when buying coverage is what deductibles to buy. The following insurance rates may aid in understanding the differences in premium rates when you select higher and lower deductibles. The first rate estimation uses a $250 deductible and the second price grid uses a $500 deductible.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Tundra Regular Cab 2WD | $312 | $498 | $524 | $32 | $158 | $1,549 | $129 |
| Tundra SR/5 Double Cab 2WD | $358 | $604 | $524 | $32 | $158 | $1,701 | $142 |
| Tundra SR/5 Crew Max 2WD | $358 | $604 | $524 | $32 | $158 | $1,701 | $142 |
| Tundra Regular Cab 4WD | $406 | $604 | $524 | $32 | $158 | $1,749 | $146 |
| Tundra Double Cab 4WD | $406 | $604 | $524 | $32 | $158 | $1,749 | $146 |
| Tundra SR/5 Double Cab 4WD | $406 | $604 | $524 | $32 | $158 | $1,749 | $146 |
| Tundra Limited Double Cab 2WD | $406 | $712 | $524 | $32 | $158 | $1,857 | $155 |
| Tundra Limited Crew MAX 2WD | $406 | $712 | $524 | $32 | $158 | $1,857 | $155 |
| Tundra Limited Crew MAX 4WD | $452 | $712 | $524 | $32 | $158 | $1,903 | $159 |
| Tundra SR/5 Crew Max 4WD | $452 | $712 | $524 | $32 | $158 | $1,903 | $159 |
| Get Your Own Custom Quote Go | |||||||
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Tundra Regular Cab 2WD | $254 | $400 | $524 | $32 | $158 | $1,368 | $114 |
| Tundra SR/5 Double Cab 2WD | $292 | $488 | $524 | $32 | $158 | $1,494 | $125 |
| Tundra SR/5 Crew Max 2WD | $292 | $488 | $524 | $32 | $158 | $1,494 | $125 |
| Tundra Regular Cab 4WD | $330 | $488 | $524 | $32 | $158 | $1,532 | $128 |
| Tundra Double Cab 4WD | $330 | $488 | $524 | $32 | $158 | $1,532 | $128 |
| Tundra SR/5 Double Cab 4WD | $330 | $488 | $524 | $32 | $158 | $1,532 | $128 |
| Tundra Limited Double Cab 2WD | $330 | $574 | $524 | $32 | $158 | $1,618 | $135 |
| Tundra Limited Crew MAX 2WD | $330 | $574 | $524 | $32 | $158 | $1,618 | $135 |
| Tundra Limited Crew MAX 4WD | $366 | $574 | $524 | $32 | $158 | $1,654 | $138 |
| Tundra SR/5 Crew Max 4WD | $366 | $574 | $524 | $32 | $158 | $1,654 | $138 |
| Get Your Own Custom Quote Go | |||||||
Data based on married male driver age 30, no speeding tickets, no at-fault accidents, and Louisiana minimum liability limits. Discounts applied include safe-driver, homeowner, multi-policy, claim-free, and multi-vehicle. Price estimates do not factor in vehicle garaging location which can modify coverage prices noticeably.
Based on this data, using a $250 deductible will cost you roughly $19 more each month or $228 every year than opting for the higher $500 deductible. Since you would have to pay $250 more if you turn in a claim with a $500 deductible as compared to a $250 deductible, if you tend to have more than 13 months between claim filings, you would save more money by going with a higher deductible. The numbers below show how this determination is made.
| Average monthly premium for $250 deductibles: | $148 |
| Average monthly premium for $500 deductibles (subtract): | – $129 |
| Monthly savings from raising deductible: | $19 |
| Difference between deductibles ($500 – $250): | $250 |
| Divide difference by monthly savings: | $250 / $19 |
| Number of months required between physical damage coverage claims in order to save money by choosing the higher deductible | 13 months |
One important note is that raising deductibles to get cheaper rates results in having to pay to pay more out-of-pocket when you have to file a claim. You need to make sure you have enough money in the bank in order to pay the higher deductible in order to repair your vehicle.
The information below highlights how deductible choice and can affect Toyota Tundra insurance costs for different insured age categories. The premium estimates are based on a married male driver, comprehensive and collision coverage, and no policy discounts are applied.
Toyota Tundra insurance rates: Men versus women
The chart below illustrates the difference between Toyota Tundra car insurance costs for male and female drivers. The rate quotes are based on a clean driving record, no claims, full coverage, $250 deductibles, single marital status, and no other discounts are factored in.
Don’t overlook these Toyota Tundra insurance discounts
Some providers do not advertise every discount very well, so the list below gives a summary of some of the more common as well as the least known ways to save on car insurance.
- Student Discounts – Maintaining excellent grades can be rewarded with saving of up to 25%. Many companies even apply the discount to college students well after school through age 25.
- Early Switch Discount – Select insurance companies give a discount for signing up before your current Tundra insurance policy expires. This can save 10% or more.
- First Accident Forgiveness – This one isn’t a discount, but certain companies allow you one accident without the usual rate increase if you have no claims before the accident.
- Life Insurance – Select insurance companies reward you with a break if you buy a life insurance policy as well.
- Claim-Free Discount – Insureds with no claims or accidents get the best car insurance rates compared to bad drivers.
- E-sign Discounts – Certain larger companies will give a small break shop New Orleans car insurance online.
- Senior Citizens – Drivers over the age of 55 can get a small decrease in premiums.
Policy discounts save money, but most of the big mark downs will not be given to your bottom line cost. Some only apply to the price of certain insurance coverages like collision or personal injury protection. So when it seems like all those discounts means the company will pay you, it’s just not the way it works.
The example below visualizes the comparison of Toyota Tundra auto insurance rates with and without discounts being applied to the rates. The premiums assume a male driver, no violations or claims, Louisiana state minimum liability limits, comprehensive and collision coverage, and $250 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with safe-driver, marriage, homeowner, claim-free, multi-policy, and multi-car discounts applied.
Companies and the discounts they provide can be read below.
- Farm Bureau discounts include multi-vehicle, youthful driver, renewal discount, safe driver, multi-policy, and 55 and retired.
- MetLife policyholders can earn discounts including multi-policy, good driver, defensive driver, claim-free, good student, accident-free
- Progressive includes discounts for multi-vehicle, continuous coverage, good student, online quote discount, online signing, homeowner, and multi-policy.
- AAA has savings for good driver, multi-policy, pay-in-full, good student, and education and occupation.
- American Family may offer discounts for accident-free, multi-vehicle, defensive driver, early bird, air bags, mySafetyValet, and Steer into Savings.
- GEICO offers premium reductions for seat belt use, federal employee, air bags, anti-lock brakes, and driver training.
- State Farm offers discounts for safe vehicle, multiple autos, student away at school, multiple policy, defensive driving training, and Steer Clear safe driver discount.
When comparing rates, check with all the companies which credits you are entitled to. Some of the discounts discussed earlier may not apply to policies in New Orleans. To find providers who offer cheap Toyota Tundra insurance quotes in Louisiana, click here.
Your situation helps dictate your coverage
When it comes to choosing the right insurance coverage, there really is not a best way to insure your cars. Every insured’s situation is different so your insurance needs to address that. For instance, these questions may help highlight whether you could use an agent’s help.
- Is my nanny covered when driving my vehicle?
- At what point should I drop full coverage?
- When would I need additional glass coverage?
- Does my policy pay for OEM or aftermarket parts?
- How much cheaper are high deductibles?
- Do I need medical payments coverage since I have good health insurance?
- Which is better, split liability limits or combined limits?
- Am I covered while delivering pizza?
- Does insurance cover damages from a DUI accident?
- Is a new car covered when I drive it off the dealer lot?
If you don’t know the answers to these questions, you might consider talking to an agent. To find an agent in your area, fill out this quick form or click here for a list of car insurance companies in your area. It’s fast, doesn’t cost anything and can provide invaluable advice.
Are insurance agencies a thing of the past?
Some people just prefer to sit down with an agent. Professional insurance agents are trained to spot inefficiencies and help in the event of a claim. The best thing about price shopping on the web is you can get the best rates but still work with a licensed agent. Buying insurance from small agencies is definitely important in New Orleans.
Once you complete this form (opens in new window), your insurance data gets sent to companies in New Orleans who will gladly provide quotes for your insurance coverage. There is no need to leave your computer because prices are sent to you instantly. If you need to get a comparison quote from a specific insurance company, feel free to visit that company’s website and fill out the quote form the provide.
If you need to find a reliable insurance agent, it helps to know the two different types of agencies that you can choose from. Agents in New Orleans may be either independent agents or exclusive agents. Either can sell auto insurance policies, but we need to point out the difference in the companies they write for because it can factor into buying decisions.
Independent Auto Insurance Agencies
Independent agencies do not work for one specific company so they have the ability to put coverage with a variety of different insurance companies and find the cheapest auto insurance rates. If they find a cheaper price, they simply move the coverage in-house without you having to go to a different agency. When comparison shopping, we recommend you include at a minimum one independent agency in order to compare the most rates. Most have the option of insuring with companies that do not advertise much that may have much lower rates than larger companies.
Featured below is a short list of independent insurance agencies in New Orleans who may be able to give you cheap rate quotes.
- Lovecchio Insurance
1510 Robert E Lee Blvd – New Orleans, LA 70122 – (504) 284-7778 – View Map - Whitney Insurance Agency
650 Poydras St Suite 1500 – New Orleans, LA 70130 – (504) 581-5353 – View Map - Martin Insurance Agency, Inc
4700 Orleans Ave – New Orleans, LA 70119 – (504) 486-6133 – View Map
Exclusive Insurance Agents
These agents can only provide one company’s prices such as Allstate, State Farm and Farmers Insurance. They usually cannot place coverage with different providers so they are skilled at selling on more than just price. Exclusive agents are well schooled on sales techniques which helps them sell insurance even at higher premiums. Some people will only use the same agent primarily because of the prominence of the brand rather than low price.
The following is a short list of exclusive insurance agencies in New Orleans willing to provide price quotes.
- Reggie Glass – State Farm Insurance Agent
3800 Elysian Fields Ave – New Orleans, LA 70122 – (504) 944-4444 – View Map - Manny Hidalgo – State Farm Insurance Agent
3837 MacArthur Blvd – New Orleans, LA 70114 – (504) 362-1919 – View Map - Allstate Insurance: Aaron Gable
2073 Caton St – New Orleans, LA 70122 – (504) 283-0034 – View Map
Selecting an auto insurance agent shouldn’t rely on just a cheap price. Any agent in New Orleans should be forthright in answering these questions:
- Is their price quote a firm figure or are their hidden costs?
- How does the company pay claims for a total loss?
- Are they properly licensed to sell insurance in Louisiana?
- Is there a 24/7 contact number?
- How many companies do they write for?
Smart shoppers get results
You just read some good ideas how you can get a better price on Toyota Tundra insurance in New Orleans. It’s most important to understand that the more rate quotes you have, the more likely it is that you will get a better rate. You may even discover the lowest priced insurance comes from a smaller regional carrier. Smaller companies can often insure niche markets at a lower cost compared to the large companies like State Farm, GEICO and Nationwide.
Budget-friendly insurance in New Orleans is possible from both online companies and with local New Orleans insurance agents, and you should be comparing both to have the best chance of lowering rates. Some insurance companies do not provide rate quotes online and most of the time these regional carriers prefer to sell through independent insurance agents.
How to find cheaper quotes for Toyota Tundra insurance in New Orleans
Truthfully, the best way to get affordable car insurance rates is to compare prices regularly from insurers who provide car insurance in New Orleans.
First, try to learn a little about individual coverages and the steps you can take to prevent expensive coverage. Many rating criteria that cause high rates such as speeding tickets, accidents and an imperfect credit score can be controlled by making small lifestyle or driving habit changes.
Second, request rate estimates from exclusive agents, independent agents, and direct providers. Direct companies and exclusive agencies can only provide price estimates from one company like GEICO or Allstate, while agents who are independent can give you price quotes for many different companies.
Third, compare the new rates to the price on your current policy to determine if you can save on Tundra insurance in New Orleans. If you find better rates, make sure coverage does not lapse between policies.
Fourth, notify your agent or company to cancel the current policy. Submit payment and a signed application for the new coverage. Immediately upon receiving it, safely store the proof of insurance paperwork along with the vehicle’s registration papers.
The key thing to know about shopping around is to try to compare the same liability limits and deductibles on every quote and and to get price estimates from all possible companies. This ensures a fair rate comparison and a complete price analysis.
Helpful resources
- Credit and Insurance Scores (Insurance Information Institute)
- Who Has Cheap Auto Insurance for Nurses in New Orleans? (FAQ)
- Understanding Rental Car Insurance (Insurance Information Institute)
- Comprehensive Coverage (Liberty Mutual)