Locating low-cost insurance for a new or used Toyota Venza in Washington can be an all-consuming task, but you can use our car insurance buying tips to make it easier. There is a better way to compare car insurance rates so you're going to learn the quickest way to compare rates for your Toyota and locate the lowest possible price from Tacoma insurance agents and online providers.

Discount Toyota Venza insuranceAmazingly, a recent NerdWallet.com study showed that almost 70% of insureds in Washington have bought car insurance from the same company for at least the last four years, and just short of a majority have never shopped around. Many consumers in the U.S. could save as much as $850 every year just by comparing rates, but most undervalue the actual amount they would save if they just switched companies.

It is always a good idea to get comparison quotes periodically since insurance prices are rarely the same from one policy term to another. Just because you found the best quotes on Toyota Venza insurance in Tacoma six months ago you may be paying too much now. You'll find a ton of advice on Venza insurance online, but we're going to give you a lot of great tips on how to put money back in your pocket.

Companies offering cheap Toyota Venza prices in Tacoma, WA

The following companies are ready to provide price comparisons in Washington. If several companies are displayed, we suggest you get prices from several of them in order to find the most competitive rates.

Toyota Venza Insurance Rate Estimates in Tacoma, WA
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Venza 2WD 4-Dr $202 $358 $300 $18 $90 $968 $81
Venza AWD 4-Dr $122 $236 $278 $16 $82 $734 $61
Get Your Own Custom Quote Go

Prices based on married female driver age 50, no speeding tickets, no at-fault accidents, $1,000 deductibles, and Washington minimum liability limits. Discounts applied include multi-policy, homeowner, safe-driver, claim-free, and multi-vehicle. Price information does not factor in Tacoma location which can impact rates greatly.

Comparison of policy deductibles

A question often asked by Tacoma drivers is where should you set your physical damage deductibles. The tables below sum up the price difference of buying low and high policy deductibles. The first set of rates uses a $250 physical damage coverage deductible and the second rate table uses a $500 deductible.

Toyota Venza insurance premium estimates with $250 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Venza 2WD 4-Dr $258 $452 $294 $18 $88 $1,135 $95
Venza AWD 4-Dr $258 $452 $294 $18 $88 $1,135 $95
Get Your Own Custom Quote Go
Toyota Venza insurance premium estimates with $500 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Venza 2WD 4-Dr $208 $364 $294 $18 $88 $972 $81
Venza AWD 4-Dr $208 $364 $294 $18 $88 $972 $81
Get Your Own Custom Quote Go

Data based on married male driver age 30, no speeding tickets, no at-fault accidents, and Washington minimum liability limits. Discounts applied include claim-free, multi-policy, homeowner, safe-driver, and multi-vehicle. Table data does not factor in specific location which can lower or raise prices noticeably.

We can estimate from the data above that using a $250 deductible would cost the average driver about $14 more each month or $168 a year than requesting the higher $500 deductible. Due to the fact that you would have to pay $250 more out-of-pocket with a $500 deductible as compared to a $250 deductible, if you usually have at least 18 months between claims, you would save more money going with the higher deductible.

Deductible analysis

The information below highlights how deductible selection and can change Toyota Venza annual premium costs for different age groups. The price estimates are based on a married male driver, full physical damage coverage, and no additional discounts are factored in.

Does full coverage make sense?

The information below examines Toyota Venza insurance costs with full coverage compared to only the Washington minimum liability coverage. The information is based on no claims or violations, $500 deductibles, single male driver, and no additional discounts are factored in.

When to eliminate full coverage

There is no exact rule to exclude full coverage, but there is a guideline you can consider. If the yearly cost of full coverage is 10% or more of replacement cost minus your deductible, then you may need to consider dropping full coverage.

For example, let's pretend your Toyota Venza settlement value is $3,000 and you have $1,000 physical damage deductibles. If your vehicle is totaled in an accident, you would only receive $2,000 after the policy deductible has been paid. If you are paying over $200 annually for your policy with full coverage, then you may want to consider only buying liability coverage.

There are a few cases where eliminating full coverage is not financially feasible. If you have an outstanding loan on your vehicle, you have to carry full coverage to protect the lienholder's interest in the vehicle. Also, if you don't have enough money to buy a different vehicle if your current one is totaled, you should maintain full coverage.

Verify you're getting every discount

Companies offering auto insurance don't necessarily list the complete list of policy discounts very clearly, so we took the time to find some of the more common and also the more inconspicuous credits that may apply to you.Save money with discounts

One thing to note about discounts is that some credits don't apply to the entire policy premium. Most cut specific coverage prices like medical payments or collision. So when the math indicates having all the discounts means you get insurance for free, nobody gets a free ride. Any amount of discount will help reduce your policy premium.

Popular auto insurance companies and some of the premium reductions they offer can be found below.

Before you buy a policy, ask each insurance company which discounts they offer. All car insurance discounts might not be offered on policies in your area. For a list of providers who offer discounts in Washington, click this link.

Do I need an insurance agency?

Many drivers just prefer to talk to a local agent and doing that can be a smart decision Licensed agents can help determine the best coverages and help submit paperwork. One of the benefits of comparing car insurance online is that drivers can save money and get cheap car insurance quotes but also keep your business local.

Insurance agency in TacomaFor easy comparison, once you complete this quick form, your information is immediately sent to companies in Tacoma that can provide free Tacoma car insurance quotes for your coverage. You won't even need to visit any agencies as quotes are delivered straight to your inbox. If you wish to compare rates for a specific company, don't hesitate to search and find their rate quote page and fill out their quote form.

Finding the right insurance company should include more criteria than just a cheap price quote. These are some valid questions you should ask.

Once you have acceptable answers and inexpensive Toyota Venza insurance in Tacoma quotes, you may have found a company that will provide car insurance coverage. Keep in mind you are entitled to terminate coverage at any point so never feel that you are permanently stuck with a specific company with no way out.

Insurance ads are enticing

Washington drivers can't avoid all the ads that promise big savings from the likes of Allstate, GEICO and Progressive. They all have a common claim that you'll save big just by switching your coverage to them.

How is it possible that every company can say the same thing? It's all in how they say it.

Insurance companies quote their best rates for the type of customer that will add to their bottom line. A good example of a desirable insured might have to be a mature driver, has a low-risk occupation, and drives a car with an anti-theft system. A propective insured who meets those qualifications is entitled to the best price and have a good chance to save when they switch companies.

Potential insureds who fall short of the "perfect" profile will get a higher premium and the driver buying from a lower-cost company. The trick is to say "customers that switch" but not "everyone who gets a quote" save that much. This is how insurance companies can advertise the savings. This really emphasizes why you should compare as many free Tacoma car insurance quotes as you can. It's not possible to predict which insurance companies will give you lower car insurance rates than your current company.

How to know if you need help

When it comes to buying proper insurance coverage for your vehicles, there really is no perfect coverage plan. Your needs are unique to you.Drive safe and save

For example, these questions can aid in determining whether you would benefit from professional advice.

If you're not sure about those questions but one or more may apply to you, you may need to chat with a licensed agent. If you want to speak to an agent in your area, complete this form. It is quick, free and can provide invaluable advice.

Insurance coverage options for a Toyota Venza

Learning about specific coverages of your insurance policy can be of help when determining which coverages you need and proper limits and deductibles. Policy terminology can be difficult to understand and even agents have difficulty translating policy wording.

Uninsured or underinsured coverage

This provides protection from other drivers when they are uninsured or don't have enough coverage. Covered losses include hospital bills for your injuries as well as your vehicle's damage.

Because many people carry very low liability coverage limits (which is 25/50/10), it doesn't take a major accident to exceed their coverage limits. This is the reason having UM/UIM coverage is a good idea.

Liability coverages

This can cover damage that occurs to a person or their property in an accident. Split limit liability has three limits of coverage: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. As an example, you may have values of 25/50/10 which stand for $25,000 in coverage for each person's injuries, $50,000 for the entire accident, and $10,000 of coverage for damaged property.

Liability coverage protects against things like medical services, emergency aid, loss of income, repair bills for other people's vehicles and pain and suffering. How much liability should you purchase? That is a personal decision, but it's cheap coverage so purchase as much as you can afford. Washington state minimum liability requirements are 25/50/10 but you should consider buying better liability coverage.

Comprehensive protection

This pays for damage caused by mother nature, theft, vandalism and other events. You first have to pay a deductible then your comprehensive coverage will pay.

Comprehensive coverage pays for claims such as damage from a tornado or hurricane, a broken windshield, rock chips in glass and damage from getting keyed. The maximum amount a insurance company will pay at claim time is the market value of your vehicle, so if your deductible is as high as the vehicle's value consider removing comprehensive coverage.

Medical expense coverage

Coverage for medical payments and/or PIP kick in for bills like EMT expenses, pain medications and doctor visits. They can be utilized in addition to your health insurance policy or if you lack health insurance entirely. It covers not only the driver but also the vehicle occupants and also covers getting struck while a pedestrian. Personal Injury Protection is not universally available but it provides additional coverages not offered by medical payments coverage

Collision coverage protection

Collision coverage pays to fix your vehicle from damage from colliding with another vehicle or an object, but not an animal. A deductible applies and then insurance will cover the remainder.

Collision can pay for claims like scraping a guard rail, rolling your car and damaging your car on a curb. Collision coverage makes up a good portion of your premium, so analyze the benefit of dropping coverage from vehicles that are 8 years or older. Drivers also have the option to raise the deductible on your Venza to save money on collision insurance.

Cheaper car insurance premiums are possible

People who switch companies do it for many reasons like poor customer service, not issuing a premium refund, extreme rates for teen drivers and even delays in responding to claim requests. Whatever your reason, switching companies can be less work than you think.

You just learned many tips how you can get a better price on Toyota Venza insurance in Tacoma. It's most important to understand that the more companies you get premium rates for, the better your comparison will be. Consumers could even find that the biggest savings come from some of the lesser-known companies.

Cheaper Toyota Venza insurance in Tacoma is possible from both online companies and also from your neighborhood Tacoma agents, and you should be comparing both so you have a total pricing picture. A few companies may not offer price quotes online and usually these regional carriers sell through local independent agents.

To read more, take a look at the resources below: