Drivers Insurance Quote for a 2018 Tundra 1794

Just received my auto insurance quote for a 2018 Tundra 1794, living in Los Angeles County. Zero tickets or accidents for 10+ years.

$2001 per year. Is that inline with what others are paying?

 

With insurance companies pulling out of CA, I'd think you should take what you can get

 

Im paying something like $800/yr but i have an ‘18 TRD OR and live on the opposite most corner of the country. 37f with no accidents or violations in 15+yrs.
100/300/100 and $250 deductibles.

 

There are too many variables to determine an average cost.

 

https://www.foxbusiness.com/economy/car-insurance-premiums-could-skyrocket-50-some-states-year

 

I pay about that much a year for 2 full coverage, 1 liability vehicles.. 1 not at faut accident 15+ year with an at fault accident...

 

I am also shopping around for a new auto…. My current (AFI) wants me to pay $463.00 a month for 3 cars!!!

 

My insurance (NY) said the legalization of marijuana has caused rates to go up. Also, the general lack of driving ability out there. So many a**holes tailgate and don’t pay attention. Ask me how I know….SMH

 

I agree with the gang, that's more a CA thing than a Tundra thing. Might be time to start a super legit LLC with a P.O. box for an address in Montana...

 

Deductible plays a part in it also.

 

don't forget your credit worthiness

 

I ran into this a couple years back -

The underwriters generate a "FICO LIKE" score. my previous insurance called it their "T" score.
My current called it something else, i dont remember. This score along with your geopgrahic factors
and other factors dictate what your rate will be.

Mine just went up and the insurance rep said because there are many claims coming from my area
which translates to, i have a higher percentage of generating a claim.. LOL

If you, in the past had a bad credit score but now it has significantly improved, ask them to re-run your "T" score.
if it has not ben ran in a while. They will know what you are talking about. I had mine re-ran with my previous
insurance company and i had to ask in writing for it to be done, but my rate went down a little due to my "T" score
improving.

If you are using the same company that you've always used, chances are they did not re-run that process and are
using an older "T" score value. If its the same company, ask them to re-run it !

My current insurance company advised me to have it ran yearly and the phone rep said she can do it herself without
any impact to my policy.

 

That has to be a CA thing. I live in VA, am 48, wife is 46. We own two vehicles (2020 Tundra and 2022 4Runner). Full coverage, $500 deductible, 300/500/300 coverage.

We pay $1300/year. (With Erie insurance.)

 

I moved from Montana to Colorado when I graduated college. Imagine my dismay when I went to register and insure my truck when I arrived

 

How's that work if you get into an accident in your primary residence vicinity?

 

You're probably in the 1% of coverage with those numbers in VA huh? VA has some lenient requirements regarding coverage from what someone else was saying on here a few days ago.

 

100% correct

 

The first question they ask is where the truck is normally parked then typically send over an adjuster. I feel like insurance companies are well aware of our schemes

They wanna get out of liability any way they can.

 

Thank you! It was a blast going there, hard to argue with dirt biking, mountain biking, skiing, hunting, fly finish, and bar hopping all between classes lol

 

Exactly right. But thankfully I have some close friends that stayed, so we can still visit whenever

 

I went to TX A&M in Corpus Christi. It's known as the Island University - but sits on a peninsula

We'd surf and beach camp between bar hops, but your extracurricular list is more enticing imo...

 

I concur......rates in Aurora=

 

The coast is still sweet! Gotta take advantage of the free time before life hits you with actual adult responsibilities

 

...or just move to Montana and get TF out of CA