Compare 1991 Toyota Previa Insurance Quotes

Want cheaper auto insurance rates for your Toyota Previa? Shopping online for auto insurance may seem to be difficult if you’ve never compared online price comparisons. But don’t let that discourage you because there is an easy way to compare rates.

Consumers should take time to take a look at other company’s rates every six months because prices are rarely the same from one policy term to another. Even if you think you had the lowest price on Previa coverage six months ago there is a good chance you can find better rates now. Ignore everything you know about auto insurance because you’re about to learn how to use the internet to get good coverage at a lower rate.

Free Insurance Quotes

There are several ways to get quotes from different insurance companies. The best way to compare 1991 Toyota Previa insurance prices is to get quotes online. This is very easy and can be done in just a few minutes using one of these methods.

One of the simplest ways consumers can analyze rates is to use a rate comparison form like this one (opens in new window). This method eliminates the need for separate quote forms for every insurance company. One simple form will return quotes direct from many companies. This is perfect if you don’t have a lot of time.

A different way to shop for insurance online requires a visit to each company website and fill out their own quote form. For examples sake, let’s say you want comparison quotes from Geico, Allstate and State Farm. You would have to visit each site and enter your information, which is why most consumers use the first method.

For a handy list of car insurance company links in your area, click here.

The least efficient way of comparing rate quotes is to spend time driving to insurance agents’ offices. The internet has reduced the need for local agents unless you want the trained guidance that only a license agent can provide. Drivers can find lower rates online but buy from a local insurance agent.

It’s up to you which method you use, but make absolute certain that you use apples-to-apples information on every quote you get. If each company quotes mixed coverages you can’t possibly determine the best price for your Toyota Previa. Slightly different insurance coverages can make a big difference in price. And when comparing insurance rates, know that comparing more company’s prices helps locate lower pricing.

You probably qualify for some discounts

Companies that sell car insurance don’t always advertise all their discounts in a way that’s easy to find, so here is a list some of the more common and also the lesser-known discounts you could be receiving.

  • Distant Student – Children who live away from home and do not have access to a covered vehicle can be insured at a reduced rate.
  • Seat Belt Usage – Requiring all passengers to wear their seat belts could save 15% off your PIP or medical payments premium.
  • Drive Less and Save – Driving fewer miles could qualify for lower rates on the low mileage vehicles.
  • Theft Prevention System – Anti-theft and alarm systems prevent vehicle theft and earn discounts up to 10%.
  • Accident Forgiveness – Some insurance companies permit an accident before hitting you with a surcharge if your claims history is clear prior to the accident.
  • Government Employees – Simply working for the federal government may qualify you for a discount on Previa coverage with certain companies.

It’s important to note that some credits don’t apply to the entire policy premium. A few only apply to individual premiums such as comprehensive or collision. So even though it sounds like you would end up receiving a 100% discount, insurance coverage companies aren’t that generous.

A partial list of companies that may offer some of the above discounts include:

It’s a good idea to ask each company which discounts you may be entitled to. All car insurance discounts may not apply everywhere.

Factors that can influence Toyota Previa insurance rates

Smart consumers have a good feel for the rating factors that go into determining insurance rates. Understanding what controls the rates you pay allows you to make educated decisions that could result in big savings.

Listed below are some of the factors companies use to determine premiums.

  • Adjust deductibles and save – Deductibles for physical damage define the amount you are willing to pay if you file a covered claim. Physical damage insurance, otherwise known as comp (or other than collision) and collision, protects your car from damage. Some examples of claims that would be covered are running into the backend of another car, collision with an animal, and windstorm damage. The more the insured has to pay upfront, the less your insurance will be on Previa coverage.
  • Never go without insurance – Driving without insurance is a misdemeanor and as a result your rates will increase for letting your coverage have a gap. And not only will insurance be more expensive, but not being able to provide proof of insurance might get you a license revocation or jail time.You may need to prove you have insurance by filing a SR-22 with your state motor vehicle department.
  • Discounts for married couples – Being married can get you a discount on insurance. It is viewed as being more mature and it’s statistically proven that married couples file fewer claims.
  • Multi-policy discounts can save money – Some insurance companies will give a discount to customers who carry more than one policy, otherwise known as a multi-policy discount. Even with this discount, you may still want to compare other company rates to verify if the discount is saving money.
  • Do you need those extra coverages? – There are many add-on coverages that you can buy on your Previa policy. Insurance for rental car reimbursement, towing coverage and term life insurance may be costing you every month. They may seem like a good idea when talking to your agent, but if they’re wasting money eliminate the coverages to reduce your premium.

There’s no such thing as the perfect policy

When buying adequate coverage, there is no cookie cutter policy. Coverage needs to be tailored to your specific needs.

Here are some questions about coverages that might point out if your situation would benefit from professional advice.

  • Can I pay claims out-of-pocket if I buy high deductibles?
  • Who is covered when they drive my 1991 Toyota Previa?
  • Can I rate high risk drivers on liability-only vehicles?
  • Do I need an umbrella policy?
  • Is a blown tire covered by insurance?
  • What is roadside assistance coverage?
  • Is pleasure use cheaper than using my 1991 Toyota Previa to commute?
  • I have a DUI can I still get coverage?

If it’s difficult to answer those questions but a few of them apply then you might want to talk to a licensed agent. To find an agent in your area, fill out this quick form.

Can you really save that much by switching?

Insurance companies such as Geico, State Farm and Progressive constantly bombard you with television and radio advertisements. They all seem to have a common claim that you can save if you switch to their company. How does each company say the same thing? This is how they do it.

Different companies are able to cherry pick for the type of customer that earns them a profit. An example of a driver they prefer could possibly be over the age of 50, owns a home, and drives less than 10,000 miles a year. A driver who fits that profile will get very good rates and therefore will save when they switch companies.

Potential insureds who are not a match for the “perfect” profile must pay higher prices which leads to business not being written. The ads say “customers who switch” not “everyone that quotes” save money. That’s why companies can claim big savings. This illustrates why drivers must get quotes from several different companies. It is impossible to predict which company will have the lowest Toyota Previa insurance rates.

Car insurance 101

Knowing the specifics of your policy can be of help when determining which coverages you need and proper limits and deductibles. Car insurance terms can be impossible to understand and coverage can change by endorsement.

Liability insurance

Liability coverage will cover injuries or damage you cause to people or other property by causing an accident. It protects YOU against other people’s claims. It does not cover damage to your own property or vehicle.

Split limit liability has three limits of coverage: bodily injury per person, bodily injury per accident and property damage. Your policy might show policy limits of 50/100/50 that means you have $50,000 bodily injury coverage, a total of $100,000 of bodily injury coverage per accident, and a limit of $50,000 paid for damaged property.

Liability insurance covers claims such as funeral expenses, repair bills for other people’s vehicles, medical expenses, legal defense fees and emergency aid. How much liability coverage do you need? That is a decision to put some thought into, but you should buy as much as you can afford.

Insurance for medical payments

Med pay and PIP coverage reimburse you for bills for ambulance fees, nursing services and dental work. They are used in conjunction with a health insurance policy or if you are not covered by health insurance. Coverage applies to all vehicle occupants and also covers if you are hit as a while walking down the street. Personal injury protection coverage is only offered in select states but it provides additional coverages not offered by medical payments coverage

Uninsured Motorist or Underinsured Motorist insurance

Uninsured or Underinsured Motorist coverage protects you and your vehicle’s occupants when other motorists either have no liability insurance or not enough. It can pay for injuries sustained by your vehicle’s occupants and also any damage incurred to your 1991 Toyota Previa.

Because many people only carry the minimum required liability limits, it only takes a small accident to exceed their coverage. For this reason, having high UM/UIM coverages is a good idea.

Collision coverage

Collision coverage pays for damage to your Previa resulting from colliding with another car or object. A deductible applies then the remaining damage will be paid by your insurance company.

Collision coverage protects against claims such as sideswiping another vehicle, colliding with another moving vehicle, rolling your car and scraping a guard rail. Collision coverage makes up a good portion of your premium, so you might think about dropping it from older vehicles. Drivers also have the option to increase the deductible to get cheaper collision coverage.

Comprehensive coverage (or Other than Collision)

This pays for damage OTHER than collision with another vehicle or object. A deductible will apply then your comprehensive coverage will pay.

Comprehensive coverage pays for claims such as hitting a bird, fire damage, damage from a tornado or hurricane and theft. The maximum payout you’ll receive from a claim is the market value of your vehicle, so if the vehicle is not worth much consider removing comprehensive coverage.

The bottom line

People leave their current company for any number of reasons including extreme rates for teen drivers, high prices, denial of a claim or even not issuing a premium refund. It doesn’t matter what your reason, finding a new company is less work than it seems.

As you shop your coverage around, don’t be tempted to skimp on coverage in order to save money. There are a lot of situations where someone sacrificed liability limits or collision coverage only to regret that the small savings ended up costing them much more. The proper strategy is to find the BEST coverage for the lowest price.

We just showed you many ideas to get a better price on 1991 Toyota Previa insurance. The key thing to remember is the more providers you compare, the better your comparison will be. You may even discover the lowest premiums are with some of the lesser-known companies.

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