The easiest way to get the cheapest Toyota Sequoia insurance is to compare prices annually from insurers in Pittsburgh.
- Spend a few minutes and learn about the coverage provided by your policy and the measures you can control to keep rates in check. Many rating criteria that cause rate increases such as traffic violations, accidents, and a negative credit history can be improved by making minor changes in your lifestyle.
- Request price quotes from exclusive agents, independent agents, and direct providers. Direct companies and exclusive agencies can give quotes from a single company like Progressive or State Farm, while agents who are independent can provide rate quotes from multiple sources.
- Compare the quotes to your existing policy to see if a cheaper price is available. If you find a lower rate and switch companies, ensure there is no coverage lapse between policies.
- Give proper notification to your current agent or company of your decision to cancel your current coverage. Submit the required down payment along with the signed application for the new policy. Once the application is submitted, safely store the certificate verifying coverage with the vehicle registration.
One key aspect when comparing rates is to try to compare identical coverages on every quote and and to get price quotes from all possible companies. Doing this guarantees an accurate price comparison and a thorough selection of prices.
It goes without saying that insurance companies don’t want you comparing rates. Consumers who get comparison quotes at least once a year are inclined to buy a different policy because of the good chance of finding coverage at a cheaper rate. A recent insurance study discovered that people who shopped around annually saved over $3,450 over four years compared to those who never compared rates.
If saving money on Toyota Sequoia insurance is your objective, then having an understanding of how to find companies and compare insurance can help you be more efficient.
Components of Your Toyota Sequoia Insurance Rates
The best way to find cheaper insurance is to take a look at some of the factors that play a part in calculating insurance rates. If you have some idea of what controls the rates you pay, this allows you to make educated decisions that may result in cheaper rates.
-
More performance means higher rates – The type of vehicle you are trying to find cheaper insurance for makes a substantial difference in your car insurance bill. Lower cost passenger cars normally have pretty low rates, but the final cost of insurance is determined by many other factors.
The following data is based on a married female driver age 30, full coverage with $100 deductibles, and no discounts or violations. The data compares Toyota Sequoia car insurance rates compared to other models that have different performances.
- Gaps in coverage mean higher prices – Not maintaining insurance can get your license suspended and insurance companies will penalize you for letting your coverage have a gap. And not only will your rates increase, being ticketed for driving with no insurance may earn you fines and jail time. Then you may be required to provide proof of insurance in the form of an SR-22 filing with the Pennsylvania DMV.
-
How your age affects premiums – Teen drivers in Pennsylvania are proven to get distracted easily when driving so they pay higher insurance rates. Older, more experienced drivers are proven to be safer behind the wheel, tend to file fewer claims, and are safer drivers.
The chart below uses these assumptions: single driver, full coverage with $250 deductibles, and no discounts or violations.
- Policy add-ons add up – There are a ton of extra add-on coverages that sound like a good idea at the time if you don’t pay attention. Coverages like coverage for rental cars, better glass coverage, and extra life insurance coverage could be just wasting money. The coverages may be enticing when you first buy your policy, but your needs may have changed so eliminate them to save money.
- Save money with alarm systems – Driving a car that has an advanced theft prevention system can save you some money. Theft prevention devices such as vehicle immobilizer systems, General Motors OnStar and LoJack tracking systems all help prevent auto theft and help lower rates.
- Prices and job – Did you know that where you work can have an impact on rates? Careers such as doctors, architects, and stock brokers generally pay the highest average rates in part from high stress and lots of time spent away from family. On the flip side, professions such as farmers, students and the unemployed have the lowest average rates.
-
Insurance loss data for a Toyota Sequoia – Insurance companies use statistical claims data when determining insurance rates. Vehicles that the data shows to have a trend towards higher claim severity or frequency will have higher rates for specific coverages.
The table below illustrates the insurance loss data for Toyota Sequoia vehicles. For each policy coverage, the statistical loss for all vehicles averaged together is represented as 100. Numbers that are below 100 indicate better than average losses, while percentage values above 100 point to more claims or an increased chance of larger losses than average.
Car Insurance Loss Data for Toyota Sequoia Models Make and Model Collision Property Damage Comp Personal Injury Medical Payment Bodily Injury Toyota Sequoia 4dr 2WD 70 103 80 57 Toyota Sequoia 4dr 4WD 82 115 96 57 50 77 BETTERAVERAGEWORSEEmpty fields indicate not enough data collected
Data Source: iihs.org (Insurance Institute for Highway Safety) for 2013-2015 Model Years
The providers in the list below are ready to provide free quotes in Pennsylvania. To locate the best cheap car insurance in Pittsburgh, it’s a good idea that you get rates from several of them to get a more complete price comparison.
Statistics and details
The rate table below highlights estimates of coverage prices for Toyota Sequoia models. Learning as much as possible about how insurance premiums are figured can help customers make smart choices when buying a policy.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Sequoia SR/5 2WD | $306 | $578 | $428 | $26 | $128 | $1,466 | $122 |
| Sequoia SR/5 4WD | $306 | $682 | $428 | $26 | $128 | $1,570 | $131 |
| Sequoia Limited 2WD | $342 | $682 | $428 | $26 | $128 | $1,606 | $134 |
| Sequoia Limited 4WD | $342 | $682 | $428 | $26 | $128 | $1,606 | $134 |
| Sequoia Platinum 2WD | $342 | $784 | $428 | $26 | $128 | $1,708 | $142 |
| Sequoia Platinum 4WD | $342 | $784 | $428 | $26 | $128 | $1,708 | $142 |
| Get Your Own Custom Quote Go | |||||||
Prices above based on single female driver age 40, no speeding tickets, no at-fault accidents, $100 deductibles, and Pennsylvania minimum liability limits. Discounts applied include multi-vehicle, homeowner, safe-driver, multi-policy, and claim-free. Price estimates do not factor in Pittsburgh location which can alter prices significantly.
Deductible analysis
One of the hardest decisions when shopping for insurance is which deductible level should you buy. The figures shown below help summarize the differences in premium rates of buying low and high deductibles. The first data set uses a $100 deductible for physical damage and the second set of prices uses a $500 deductible.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Sequoia SR/5 2WD | $320 | $512 | $330 | $20 | $98 | $1,305 | $109 |
| Sequoia SR/5 4WD | $320 | $602 | $330 | $20 | $98 | $1,395 | $116 |
| Sequoia Limited 2WD | $356 | $602 | $330 | $20 | $98 | $1,431 | $119 |
| Sequoia Limited 4WD | $356 | $602 | $330 | $20 | $98 | $1,431 | $119 |
| Sequoia Platinum 2WD | $356 | $694 | $330 | $20 | $98 | $1,523 | $127 |
| Sequoia Platinum 4WD | $356 | $694 | $330 | $20 | $98 | $1,523 | $127 |
| Get Your Own Custom Quote Go | |||||||
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Sequoia SR/5 2WD | $234 | $346 | $330 | $20 | $98 | $1,028 | $86 |
| Sequoia SR/5 4WD | $234 | $408 | $330 | $20 | $98 | $1,090 | $91 |
| Sequoia Limited 2WD | $260 | $408 | $330 | $20 | $98 | $1,116 | $93 |
| Sequoia Limited 4WD | $260 | $408 | $330 | $20 | $98 | $1,116 | $93 |
| Sequoia Platinum 2WD | $260 | $468 | $330 | $20 | $98 | $1,176 | $98 |
| Sequoia Platinum 4WD | $260 | $468 | $330 | $20 | $98 | $1,176 | $98 |
| Get Your Own Custom Quote Go | |||||||
Prices above based on married male driver age 30, no speeding tickets, no at-fault accidents, and Pennsylvania minimum liability limits. Discounts applied include multi-vehicle, multi-policy, homeowner, claim-free, and safe-driver. Rate quotes do not factor in the specific area where the vehicle is garaged which can lower or raise auto insurance rates considerably.
We can estimate from the data above that using a $100 deductible will cost you roughly $27 more each month or $324 a year averaged for all Sequoia models than choosing the higher $500 deductible. Because you would be required to pay $400 more to settle a claim with a $500 deductible as compared to a $100 deductible, if you normally average at a minimum 15 months between claim filings, you would probably come out ahead if you choose the higher deductible.
Toyota Sequoia insurance rates by gender
The chart below visualizes the comparison of Toyota Sequoia auto insurance rates for male and female drivers. Data assumes no claims, a clean driving record, comprehensive and collision coverage, $500 deductibles, drivers are not married, and no discounts are applied to the premium.
Best reasons to buy car insurance in Pennsylvania
Despite the fact that car insurance is not cheap in Pittsburgh, paying for car insurance may be required for several reasons.
First, almost all states have compulsory liability insurance requirements which means it is punishable by state law to not carry a specific minimum amount of liability in order to get the vehicle licensed. In Pennsylvania these limits are 15/30/5 which means you must have $15,000 of bodily injury coverage per person, $30,000 of bodily injury coverage per accident, and $5,000 of property damage coverage.
Second, if your vehicle has a loan, more than likely the lender will force you to have physical damage coverage to ensure the loan is repaid in case of a total loss. If you do not keep the policy in force, the lender may have to buy a policy to insure your Toyota at a much higher premium rate and force you to pay much more than you were paying before.
Third, car insurance protects both your assets and your Toyota Sequoia. Insurance will also pay for most medical and hospital costs that are the result of an accident. Liability coverage, the one required by state law, will also pay to defend you if you are sued as the result of an accident. If your vehicle suffers damage from an accident or hail, comprehensive and collision coverage will pay to restore your vehicle to like-new condition.
The benefits of carrying enough insurance are without a doubt worth the cost, particularly if you ever have a claim. As of last year, the average driver in Pennsylvania overpays as much as $820 a year so shop around every year to make sure the price is not too high.
Do you qualify for discounts?
Some companies don’t always publicize every possible discount in a way that’s easy to find, so here is a list both well-publicized and the harder-to-find discounts that you can inquire about if you buy Pittsburgh car insurance online.
- Military Discounts – Having an actively deployed family member could trigger a small discount.
- Discount for Good Grades – Maintaining excellent grades may save you up to 25%. Most companies allow this discount up until you turn 25.
- Clubs and Organizations – Joining specific professional or occupational memberships or organizations could qualify you for a break on insurance.
- Senior Citizen Discount – Older drivers may qualify for a small decrease in premiums.
- First Accident Forgiveness – Not a discount per se, but a few companies such as Liberty Mutual, GEICO and Allstate permit an accident before hitting you with a surcharge with the catch being you have to be claim-free prior to the accident.
- Low Mileage Discounts – Driving fewer miles can qualify you for lower premium rates due to less chance of an accident.
Policy discounts save money, but most discounts do not apply to your bottom line cost. Most only cut specific coverage prices like liability, collision or medical payments. So even though you would think all the discounts add up to a free policy, it’s just not the way it works.
The information below shows the difference between Toyota Sequoia car insurance rates with and without discounts applied to the policy premium. The rate quotes are based on a female driver, no claims or driving violations, Pennsylvania state minimum liability limits, comp and collision included, and $100 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with marriage, multi-policy, multi-car, homeowner, safe-driver, and claim-free discounts applied.
Popular insurance companies and a summarized list of policyholder discounts are detailed below.
- Farm Bureau policyholders can earn discounts including safe driver, renewal discount, multi-policy, youthful driver, and driver training.
- MetLife may offer discounts for defensive driver, good student, multi-policy, accident-free, good driver, claim-free
- Progressive offers discounts for continuous coverage, good student, multi-policy, homeowner, online signing, online quote discount, and multi-vehicle.
- AAA offers discounts including anti-theft, AAA membership discount, education and occupation, multi-car, multi-policy, pay-in-full, and good student.
- American Family includes discounts for Steer into Savings, multi-vehicle, TimeAway discount, good student, and accident-free.
- GEICO may have discounts that include seat belt use, air bags, defensive driver, daytime running lights, and membership and employees.
- State Farm has savings for multiple policy, safe vehicle, accident-free, driver’s education, Drive Safe & Save, defensive driving training, and good student.
It’s a good idea to ask every company which discounts you may be entitled to. All car insurance discounts may not apply in Pittsburgh. To view insurance companies with the best Toyota Sequoia insurance discounts in Pennsylvania, click here to view.
Are car insurance agents obsolete?
Many people would prefer to have an agent’s advice and we recommend doing that Licensed agents can help you build your policy and help submit paperwork. One of the benefits of getting online price quotes is that you can obtain the best rates but still work with a licensed agent. And supporting neighborhood agents is still important in Pittsburgh.
To make it easy to find an agent, after completing this quick form, your insurance coverage information gets sent to local insurance agents in Pittsburgh that can provide free Pittsburgh car insurance quotes for your business. You don’t have to even leave your home since price quotes are sent immediately to you. If you have a need to compare prices from a specific insurance provider, feel free to visit that company’s website and submit a quote form there.
Types of car insurance agents in Pittsburgh
When researching a local Pittsburgh insurance agency, it can be helpful to understand the different types of agents and how they differ in how they can insure your vehicles. Agencies in Pittsburgh are classified as either independent or exclusive. Either one can write insurance policies, but it’s good to learn how they are different since it can impact the kind of agent you use.
Independent Agents
Agents of this type do not write with just one company so they have the ability to put coverage through many companies and help determine which has the cheapest rates. To transfer your coverage to a different company, your agent can just switch to a different company without you having to go to a different agency.
When comparison shopping, we recommend you get quotes from at least one independent agent to have the best price comparison. Most also have access to smaller companies which could offer lower prices.
Featured below is a list of independent insurance agencies in Pittsburgh that may be able to give you price quote information.
- Casper Insurance Agency, Inc.
611 Mt Royal Blvd – Pittsburgh, PA 15223 – (412) 486-9200 – View Map - Zikos Insurance
Two Chatham Center, Suite 1060, 112 Washington Pl – Pittsburgh, PA 15219 – (412) 391-3464 – View Map - Kartsonas Agency, Inc.
421 Cochran Rd – Pittsburgh, PA 15228 – (412) 563-5900 – View Map
Exclusive Insurance Agencies
Agents in the exclusive channel can only quote rates from one company and some examples include Allstate, State Farm and Farm Bureau. Exclusive agents cannot provide rate quotes from other companies so they have no alternatives for high prices. They are well trained on what they offer which helps them compete with independent agents. Consumers often buy from the same agent for years mainly due to the brand legacy rather than low rates.
Shown below are exclusive agents in Pittsburgh that are able to give rate quotes.
- GEICO Insurance Agent
9026 St Simon Way – Pittsburgh, PA 15237 – (412) 364-7170 – View Map - Paul Lukitsch – State Farm Insurance Agent
200 Fleet St #100 – Pittsburgh, PA 15220 – (412) 921-2008 – View Map - Jack Dumbaugh – State Farm Insurance Agent
1236 Grove Rd – Pittsburgh, PA 15234 – (412) 884-8100 – View Map
Choosing a insurance agent should depend on more than just the quoted price. Here are some questions you should ask.
- Do they see any coverage gaps in your plan?
- What is the financial rating for the quoted company?
- Can you choose the body shop in case repairs are needed?
- Which members of your family are coverage by the policy?
- Are they actively involved in the community?
- How will an accident affect your rates?
Ratings for Pittsburgh car insurance companies
Choosing the best auto insurance provider can be difficult considering how many companies sell insurance in Pittsburgh. The company rank data shown next can help you pick which car insurance providers you want to consider putting your business with.
Top 10 Pittsburgh Car Insurance Companies Ranked by Customer Satisfaction
- Titan Insurance – 93%
- The Hartford – 93%
- The General – 91%
- Progressive – 90%
- 21st Century – 89%
- USAA – 87%
- Erie Insurance – 87%
- State Farm – 87%
- Travelers – 87%
- Safeco Insurance – 86%
Compare but don’t skimp
You just read many ideas to shop for Toyota Sequoia insurance online. It’s most important to understand that the more quotes you get, the better chance you’ll have of finding affordable Toyota Sequoia insurance quotes. Consumers may even find the most savings is with the least-expected company.
People leave their current company for a number of reasons such as high rates after DUI convictions, policy cancellation, being labeled a high risk driver or an unsatisfactory settlement offer. It doesn’t matter why you want to switch choosing a new company is pretty simple and you could end up saving a buck or two.
Cost effective Toyota Sequoia insurance can be purchased from both online companies in addition to many Pittsburgh insurance agents, so you should be comparing quotes from both to get a complete price analysis. Some companies don’t offer the ability to get a quote online and usually these smaller companies only sell through local independent agencies.
More tips and info about insurance can be read in the articles below:
- Booster Seat Ratings (iihs.org)
- Who Has Affordable Auto Insurance for Drivers Requiring a SR22 in Pittsburgh? (FAQ)
- Who Has Affordable Car Insurance for Immigrants in Pittsburgh? (FAQ)
- How Much is Auto Insurance for Drivers Over Age 70 in Pittsburgh? (FAQ)
- Who Has the Cheapest Pittsburgh Car Insurance for a Nissan Versa? (FAQ)
- Who Has the Cheapest Car Insurance Rates for Drivers Under 21 in Pittsburgh? (FAQ)
- Who Has the Cheapest Auto Insurance Rates for a Ford Escape in Pittsburgh? (FAQ)
- Who Has Cheap Pittsburgh Car Insurance for Low Credit Scores? (FAQ)
- Protecting Teens from Drunk Driving (Insurance Information Institute)
- Liability Insurance Coverage (Nationwide)
- Auto Insurance Learning Center (State Farm)