No normal person fancies paying their premiums for car insurance, in particular when the cost is way too high.
Astonishing but true, the majority of drivers renewed their policy with the same company for at least four years, and just short of a majority have never compared rates with other companies. The average driver in Illinois could save an average of nearly 40% each year, but they feel it’s too difficult to compare rate quotes.
Many car insurance companies compete for your insurance dollar, so it’s not easy to compare every company to find the absolute lowest rate on Toyota Tundra insurance in Chicago.
It’s important to know that more quotes gives you a better chance of getting the best rates.
The providers in the list below can provide price quotes in Chicago, IL. If multiple companies are listed, it’s a good idea that you visit as many as you can to get the best price comparison.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Tundra Regular Cab 2WD | $142 | $226 | $294 | $18 | $88 | $768 | $64 |
| Tundra SR/5 Double Cab 2WD | $250 | $500 | $398 | $24 | $120 | $1,292 | $108 |
| Tundra SR/5 Crew Max 2WD | $108 | $210 | $310 | $18 | $92 | $738 | $62 |
| Tundra Regular Cab 4WD | $224 | $390 | $356 | $22 | $106 | $1,098 | $92 |
| Tundra Double Cab 4WD | $168 | $252 | $304 | $18 | $90 | $832 | $69 |
| Tundra SR/5 Double Cab 4WD | $144 | $232 | $284 | $16 | $84 | $760 | $63 |
| Tundra Limited Double Cab 2WD | $136 | $246 | $300 | $18 | $90 | $790 | $66 |
| Tundra Limited Crew MAX 2WD | $210 | $322 | $386 | $22 | $116 | $1,056 | $88 |
| Tundra Limited Crew MAX 4WD | $154 | $290 | $356 | $22 | $106 | $928 | $77 |
| Tundra SR/5 Crew Max 4WD | $218 | $412 | $334 | $20 | $100 | $1,084 | $90 |
| Get Your Own Custom Quote Go | |||||||
Table data assumes single male driver age 50, no speeding tickets, no at-fault accidents, $250 deductibles, and Illinois minimum liability limits. Discounts applied include homeowner, multi-policy, claim-free, multi-vehicle, and safe-driver. Rate quotes do not factor in your specific Chicago location which can impact prices noticeably.
Higher deductibles lower rates
When comparing auto insurance rates, the most common question is at what level do you set your deductibles. The comparison tables below may help to illustrate the premium difference when you choose different comp and collision deductibles. The first rate comparisons uses a $100 physical damage deductible and the second rate table uses a $500 deductible.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Tundra Regular Cab 2WD | $196 | $334 | $294 | $18 | $88 | $955 | $80 |
| Tundra SR/5 Double Cab 2WD | $224 | $406 | $294 | $18 | $88 | $1,055 | $88 |
| Tundra SR/5 Crew Max 2WD | $224 | $406 | $294 | $18 | $88 | $1,055 | $88 |
| Tundra Regular Cab 4WD | $254 | $406 | $294 | $18 | $88 | $1,085 | $90 |
| Tundra Double Cab 4WD | $254 | $406 | $294 | $18 | $88 | $1,085 | $90 |
| Tundra SR/5 Double Cab 4WD | $254 | $406 | $294 | $18 | $88 | $1,085 | $90 |
| Tundra Limited Double Cab 2WD | $254 | $478 | $294 | $18 | $88 | $1,157 | $96 |
| Tundra Limited Crew MAX 2WD | $254 | $478 | $294 | $18 | $88 | $1,157 | $96 |
| Tundra Limited Crew MAX 4WD | $282 | $478 | $294 | $18 | $88 | $1,185 | $99 |
| Tundra SR/5 Crew Max 4WD | $282 | $478 | $294 | $18 | $88 | $1,185 | $99 |
| Get Your Own Custom Quote Go | |||||||
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Tundra Regular Cab 2WD | $142 | $226 | $294 | $18 | $88 | $768 | $64 |
| Tundra SR/5 Double Cab 2WD | $164 | $274 | $294 | $18 | $88 | $838 | $70 |
| Tundra SR/5 Crew Max 2WD | $164 | $274 | $294 | $18 | $88 | $838 | $70 |
| Tundra Regular Cab 4WD | $186 | $274 | $294 | $18 | $88 | $860 | $72 |
| Tundra Double Cab 4WD | $186 | $274 | $294 | $18 | $88 | $860 | $72 |
| Tundra SR/5 Double Cab 4WD | $186 | $274 | $294 | $18 | $88 | $860 | $72 |
| Tundra Limited Double Cab 2WD | $186 | $322 | $294 | $18 | $88 | $908 | $76 |
| Tundra Limited Crew MAX 2WD | $186 | $322 | $294 | $18 | $88 | $908 | $76 |
| Tundra Limited Crew MAX 4WD | $206 | $322 | $294 | $18 | $88 | $928 | $77 |
| Tundra SR/5 Crew Max 4WD | $206 | $322 | $294 | $18 | $88 | $928 | $77 |
| Get Your Own Custom Quote Go | |||||||
Premium data assumes married male driver age 30, no speeding tickets, no at-fault accidents, and Illinois minimum liability limits. Discounts applied include claim-free, homeowner, multi-vehicle, multi-policy, and safe-driver. Table data does not factor in vehicle location which can modify premium rates greatly.
Based on the figures above, using a $100 deductible will cost you approximately $19 more each month or $228 every year than buying the higher $500 deductible. Since the policyholder 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 normally go at a minimum 21 months between claims, you would come out ahead going with the higher deductible. Here is an example of how this determination is made.
| Average monthly premium for $100 deductibles: | $92 |
| Average monthly premium for $500 deductibles (subtract): | – $73 |
| Monthly savings from raising deductible: | $19 |
| Difference between deductibles ($500 – $100): | $400 |
| Divide difference by monthly savings: | $400 / $19 |
| Number of months required between physical damage coverage claims in order to save money by choosing the higher deductible | 21 months |
One important note is that a higher deductible level results in more money out-of-pocket if you have a claim. That will require some savings in the event you need to pay the higher deductible.
Accidents and violations increase rates
The information below illustrates how violations and accidents raise Toyota Tundra auto insurance costs for different age groups. The prices are based on a married male driver, full coverage, $100 deductibles, and no additional discounts are factored in.
What is the best insurance coverage?
Keep in mind that when it comes to choosing a policy for your personal vehicles, there really is not a one size fits all plan. Your situation is unique and your insurance should be unique as well.
These are some specific questions could help you determine whether your personal situation might need professional guidance.
- What is high-risk coverage and where do I buy it?
- Can I make deliveries for my home business?
- Should I buy additional glass protection?
- Is borrowed equipment or tools covered if stolen or damaged?
- Where can I get insurance after a DUI in Illinois?
- Am I covered when renting a car or should I buy coverage from the car rental agency?
- Am I covered if I hit my neighbor’s mailbox?
- Is my custom paint covered by insurance?
If you don’t know the answers to these questions but one or more may apply to you, you may need to chat with a licensed insurance agent. If you don’t have a local agent, fill out this quick form or you can go here for a list of companies in your area.
When to contact an insurance agency
Some people would rather buy from a local agent and that is a personal choice. The biggest benefit of getting free rate quotes online is you may find cheap rate quotes but also keep your business local. Buying from small agencies is important especially in Chicago.
Once you complete this short form, the quote information is transmitted to local insurance agents in Chicago that can give you free Chicago auto insurance quotes for your business. It makes it easy because there is no need to leave your computer as quotes are delivered to you. You can find better rates without the usual hassles of price shopping. In the event you want to get a comparison quote from one company in particular, just find their quoting web page and fill out their quote form.
Multiple types of car insurance agents in Chicago
If you want an insurance agent, you need to know there are two different types of agents that you can choose from. Agents are classified as either independent or exclusive.
Independent Insurance Agents
Agents of this type are appointed with more than one company and that enables them to quote your coverage through many companies and get you the best rates possible. If your agent finds better pricing, the business is moved internally and the insured can keep the same agent.
If you are comparing car insurance prices, you absolutely need to check rates from several independent agencies to ensure the widest selection of prices.
The following is a short list of independent agencies in Chicago that can give you pricing information.
Skyline Insurance Agency, Inc.
2302 W Belmont Ave – Chicago, IL 60618 – (773) 525-7500 – View Map
Zeiler Insurance Services, Inc.
3660 E 106th St – Chicago, IL 60617 – (773) 375-3600 – View Map
Lakeview Insurance Agency, Ltd.
3438 N Southport Ave – Chicago, IL 60657 – (773) 871-8000 – View Map
Exclusive Insurance Agencies
Agents in the exclusive channel can usually just insure with one company and some examples include Farmers Insurance, State Farm, or Allstate. These agents are not able to compare other company’s rates so it’s a take it or leave it situation. These agents receive extensive training on what they offer which helps them sell on service rather than price.
Listed below is a list of exclusive insurance agencies in Chicago that can give you price quote information.
Vivian Valtas – State Farm Insurance Agent
6108 S Archer Ave – Chicago, IL 60638 – (773) 582-3322 – View Map
Liane Williams – State Farm Insurance Agent
3143 W 71st St – Chicago, IL 60629 – (773) 436-7500 – View Map
Dave Rundle – State Farm Insurance Agent
4316 W 63rd St – Chicago, IL 60629 – (773) 735-0135 – View Map
Finding the right insurance agency requires more thought than just a cheap price quote. Here are some questions you should ask.
- Is the quote a firm price?
- What kind of financial rating does the company have?
- Are they in the agency full-time?
- When do they do policy reviews?
- Is the agency covered by Errors and Omissions coverage?
After receiving answers to your satisfaction in addition to an acceptable price estimate, it’s possible that you found an insurance agency that is a good match to properly insure your vehicles. But remember, you are able to terminate your policy at any point so never feel you are locked into any specific company for the entire policy term.