2019 Toyota Sequoia Car Insurance Quotes in 2024 – 10 Ways to Save

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Jeffrey Johnson

Insurance Lawyer

Jeffrey Johnson is a legal writer with a focus on personal injury. He has worked on personal injury and sovereign immunity litigation in addition to experience in family, estate, and criminal law. He earned a J.D. from the University of Baltimore and has worked in legal offices and non-profits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman Univer...

Insurance Lawyer

UPDATED: May 27, 2024

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Searching for cheaper insurance for a new or used Toyota Sequoia can be an all-consuming task, but you can use our auto insurance buying tips to save time. There is a better way to compare auto insurance rates so we’re going to tell you the absolute fastest way to quote coverages for your Toyota and locate the best price possible from local insurance agents and online providers.

It is always a good idea to compare rates as often as possible due to the fact that insurance rates trend upward over time. Even if you got the best premium rates on Sequoia coverage a couple years back you may be paying too much now. Forget all the misinformation about auto insurance because we’re going to show you the right way to lower your annual insurance bill.

Compare insurance quotes

Effectively comparing insurance prices can be exhausting if you aren’t aware of the best way to get rate quotes. You can spend countless hours talking about coverages with insurance agencies in your area, or you can stay home and use online quoting to accomplish the same thing much quicker.

Many companies participate in an industry program that allows shoppers to complete one form, and every company returns a competitive quote based on that data. This system prevents you from having to do form submissions to every company.

To compare rates now enter your zip code here.

The only drawback to getting quotes like this is you cannot specify which providers to get quotes from. So if you want to select specific providers for rate comparison, we put together a list of low cost insurance companies in your area. Click to enter zip code.

Whichever way you choose to compare rates, try to use exactly the same deductibles and coverage limits for each comparison quote. If you compare different liability limits it’s not possible to determine which rate is truly the best.

Big names are not always cheapest

Consumers can’t get away from all the ads that promise big savings for switching from companies such as Progressive, GEICO, Allstate and State Farm. They all seem to make the promise that drivers will save a bundle if you switch to their company.

How do they all make almost identical claims? This is the way they can do it.

Different companies require specific criteria for the driver that earns them the most money. For instance, this type of driver could possibly be a married male, owns their home, and drives a car with an anti-theft system. Anyone who fits that profile will get a cheap rate quote and as a result will probably pay quite a bit less when switching companies.

Consumers who don’t measure up to these stringent criteria will probably be forced to pay a more expensive rate which leads to business not being written. Company advertisements say “people that switch” but not “all drivers who get quotes” save that kind of money. That’s why insurance companies can confidently advertise the savings. Because of the profiling, you really need to compare price quotes frequently. It is impossible to predict the company that will provide you with the cheapest car insurance rates.

Get cheaper rates by taking advantage of these ten discounts

Car insurance is not inexpensive, but you might be missing out on some discounts that many people don’t even know exist. Some discounts apply automatically when you purchase, but less common discounts must be specifically requested in order for you to get them.

  • Resident Student – Older children who live away from home to go to college and leave their car at home could qualify for this discount.
  • Multiple Vehicles – Having multiple cars with the same car insurance company can reduce the rates for all insured vehicles.
  • Homeowners Savings – Just being a homeowner can save you money since home ownership requires a higher level of personal finance.
  • Drive Less and Save – Fewer annual miles on your Toyota could be rewarded with better car insurance rates on cars that stay parked.
  • Government Employee Discount – Simply working for the federal government can earn a discount up to 10% on Sequoia coverage with certain companies.
  • Discount for Passive Restraints – Options like air bags or motorized seat belts can receive discounts of more than 20%.
  • Lower Rates for Military – Having a deployed family member could qualify you for better rates.
  • Discounts for Cautious Drivers – Drivers who avoid accidents can save up to 40% or more on their car insurance quote on Sequoia coverage compared to rates paid by drivers with frequent claims.
  • Theft Prevention System – Cars, trucks, and SUVs equipped with tracking devices and advanced anti-theft systems prevent vehicle theft and earn discounts up to 10% off your car insurance quote.
  • Student Driver Training – Reduce the cost of insurance for teen drivers by having them successfully complete driver’s ed class in school.

A little disclaimer on discounts, most of the big mark downs will not be given to the entire cost. Most cut specific coverage prices like medical payments or collision. So when the math indicates you can get free auto insurance, that’s just not realistic.

Some of the larger companies that may offer quotes with some of the above discounts include:

  • Progressive
  • State Farm
  • Esurance
  • The Hartford

It’s a good idea to ask each company which discounts they offer. Some discounts might not be offered on policies in your area. To choose companies who offer cheap car insurance quotes, enter your zip code here.

How much auto insurance do I need?

When buying proper insurance coverage, there really is not a “best” method to buy coverage. Everyone’s situation is a little different.

Here are some questions about coverages that might point out whether or not you could use an agent’s help.

  • Is a new car covered when I drive it off the dealer lot?
  • Should I buy more coverage than the required minimum liability coverage?
  • Can my teen driver be rated on a liability-only vehicle?
  • If my 2019 Toyota Sequoia is totaled, can I afford another vehicle?
  • Should I buy additional glass protection?
  • Am I covered if I drive in a foreign country?
  • Does my 2019 Toyota Sequoia need full coverage?
  • Am I better off with higher deductibles on my 2019 Toyota Sequoia?
  • Is my ex-spouse still covered by my policy?
  • At what point should I drop full coverage?

If it’s difficult to answer those questions then you might want to talk to a licensed agent. To find an agent in your area, take a second and enter your zip code. It’s fast, free and you can get the answers you need.

Auto insurance coverage basics

Understanding the coverages of a auto insurance policy can help you determine which coverages you need and the correct deductibles and limits. The terms used in a policy can be impossible to understand and even agents have difficulty translating policy wording.

Uninsured Motorist or Underinsured Motorist insurance – Uninsured or Underinsured Motorist coverage protects you and your vehicle’s occupants from other drivers when they are uninsured or don’t have enough coverage. Covered losses include injuries to you and your family as well as your vehicle’s damage.

Because many people carry very low liability coverage limits, it doesn’t take a major accident to exceed their coverage limits. So UM/UIM coverage should not be overlooked.

Insurance for medical payments – Medical payments and Personal Injury Protection insurance provide coverage for short-term medical expenses for ambulance fees, prosthetic devices, doctor visits and X-ray expenses. They are often used to cover expenses not covered by your health insurance policy or if there is no health insurance coverage. Coverage applies to all vehicle occupants as well as if you are hit as a while walking down the street. PIP coverage is only offered in select states and gives slightly broader coverage than med pay

Liability – Liability insurance protects you from damage that occurs to other’s property or people by causing an accident. It consists of three limits, bodily injury per person, bodily injury per accident and property damage. Your policy might show values of 25/50/25 that means you have $25,000 in coverage for each person’s injuries, a total of $50,000 of bodily injury coverage per accident, and property damage coverage for $25,000.

Liability can pay for claims like medical services, bail bonds, medical expenses, repair costs for stationary objects and pain and suffering. How much liability should you purchase? That is a decision to put some thought into, but it’s cheap coverage so purchase as large an amount as possible.

Collision coverage – This pays to fix your vehicle from damage caused by collision with another car or object. You have to pay a deductible then the remaining damage will be paid by your insurance company.

Collision can pay for things such as driving through your garage door, hitting a parking meter and colliding with another moving vehicle. Collision coverage makes up a good portion of your premium, so consider dropping it from vehicles that are older. It’s also possible to choose a higher deductible to save money on collision insurance.

Comprehensive coverage (or Other than Collision) – Comprehensive insurance coverage pays to fix your vehicle from damage from a wide range of events other than collision. You first must pay your deductible and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive can pay for things like a tree branch falling on your vehicle, fire damage, theft and damage from getting keyed. The highest amount you can receive from a comprehensive claim is the actual cash value, so if the vehicle is not worth much consider removing comprehensive coverage.

Be a Smart Shopper

More affordable insurance coverage is attainable both online and from local insurance agents, and you need to comparison shop both to have the best selection. A few companies may not offer the ability to get a quote online and these smaller providers only sell through independent agents.

Insureds leave their current company for a variety of reasons including high prices, delays in responding to claim requests, extreme rates for teen drivers or an unsatisfactory settlement offer. It doesn’t matter what your reason, finding the right insurance coverage provider can be pretty painless.

We’ve covered many tips how you can compare 2019 Toyota Sequoia insurance premium rates online. The key thing to remember is the more providers you compare, the better your chances of lowering your prices. Drivers may discover the best price on insurance coverage is with some of the smallest insurance companies.

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