Cheap 1998 Toyota Sienna Car Insurance Cost

Want better auto insurance rates for your Toyota Sienna? Scraping up a payment for overpriced Toyota Sienna insurance can drain your personal savings, especially in this economy. Shopping your coverage around is a great way to help make ends meet.

Companies like Allstate, Liberty Mutual and State Farm all claim big savings, bombarding you with TV and radio ads and it is challenging if not impossible to avoid their marketing magic and find the best price available.

It’s a great practice to get comparison quotes on a regular basis since rates change frequently. Just because you had the lowest price on Sienna insurance a year ago the chances are good that you can find a lower rate today. So forget all the misinformation about auto insurance because we’re going to show you how to quote online to remove unneeded coverages and save money.

If you currently have a car insurance policy, you will be able to cut costs considerably using these tips. Choosing the best insurance company for you is quite easy. But drivers do need to know how big insurance companies price insurance differently.

What determines your Toyota Sienna insurance premium

It’s important that you understand the rating factors that help determine the rates you pay for insurance. When you know what positively or negatively controls the rates you pay allows you to make educated decisions that will entitle you to much lower annual insurance costs.

  • Being married can save on insurance – Having a spouse actually saves money on insurance. It usually means you are more responsible and it’s statistically proven that being married results in fewer claims.
  • Do you need those extra coverages? – There are many extra coverages you can purchase if you aren’t careful. Insurance for personal injury protection, better glass coverage and membership fees are examples of these. These coverages may sound good when talking to your agent, but your needs may have changed so eliminate the coverages to reduce your premium.
  • Lower deductibles cost more – Physical damage coverage, termed comprehensive and collision coverage on your policy, protects your Toyota from damage. Examples of covered claims would be colliding with a building, damage from fire, and burglary. Deductibles for physical damage are the amount of money you are required to spend in the event of a claim. The higher the amount you’re willing to pay, the less your company will charge you for insurance on Sienna insurance.
  • Rural vs Urban Areas – Residing in a rural area can be a good thing when insuring your vehicles. Urban drivers tend to have much more traffic and longer commute times. Fewer drivers means fewer accidents and also fewer theft and vandalism claims.
  • Safer occupants lowers premiums – Vehicles with high crash test scores tend to have better insurance rates. Safe vehicles have better occupant injury protection and fewer injuries translates into savings for insurance companies passed on to you as lower rates. If your Toyota has ratings of a minimum four stars on Safercar.gov or an “acceptable” rating on iihs.org you are probably receiving a discount.

Do you qualify for a discount?

Car insurance companies do not list every discount very well, so we break down both the well known and also the lesser-known insurance coverage savings.

  • Memberships – Affiliation with a qualifying organization could trigger savings when shopping for insurance coverage on Sienna insurance.
  • Early Signing – Some companies give discounts for buying a policy before your current policy expires. This can save 10% or more.
  • Senior Discount – If you qualify as a senior citizen, you may qualify for reduced rates on Sienna insurance.
  • Anti-lock Brake System – Vehicles equipped with ABS or steering control can avoid accidents and earn discounts up to 10%.
  • Save with a New Car – Insuring a new car is cheaper compared to insuring an older model.
  • Military Discounts – Having a family member in the military could mean lower rates.
  • Safety Course Discount – Completing a course teaching defensive driving skills can save you 5% or more if your company offers it.

Keep in mind that most discount credits are not given to the entire policy premium. Most only apply to specific coverage prices like physical damage coverage or medical payments. Just because you may think all those discounts means the company will pay you, you won’t be that lucky.

A partial list of companies that may offer these discounts may include but are not limited to:

Check with all companies you are considering which discounts they offer. All car insurance discounts may not be available in your area.

What coverages do I need?

When choosing the best car insurance coverage, there isn’t really a one size fits all plan. Each situation is unique so your insurance needs to address that. For instance, these questions can aid in determining whether or not you might need an agent’s assistance.

  • What is high-risk coverage and where do I buy it?
  • Will my insurance pay for OEM parts?
  • Can my teen driver be rated on a liability-only vehicle?
  • Will my rates increase for filing one claim?
  • Does car insurance cover theft of personal property?
  • When does my teenage driver need to be added to my policy?
  • Does my liability insurance cover pulling a trailer or camper?
  • Do I pay less for low miles?
  • Does my insurance cover damage caused when ticketed for reckless driving?
  • Which companies will insure high-risk drivers?

If you don’t know the answers to these questions but you know they apply to you then you might want to talk to a licensed agent. If you want to speak to an agent in your area, complete this form or you can also visit this page to select a carrier

Car insurance specifics

Having a good grasp of your car insurance policy aids in choosing which coverages you need and the correct deductibles and limits. The terms used in a policy can be difficult to understand and even agents have difficulty translating policy wording. Listed below are typical coverage types available from car insurance companies.

Liability coverages

Liability coverage will cover damage that occurs to other people or property. This coverage protects you from legal claims by others. Liability doesn’t cover your own vehicle damage or injuries.

Liability coverage has three limits: bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You commonly see policy limits of 100/300/100 that means you have a limit of $100,000 per injured person, a total of $300,000 of bodily injury coverage per accident, and a limit of $100,000 paid for damaged property.

Liability insurance covers things like pain and suffering, court costs, medical expenses and medical services. How much liability should you purchase? That is a personal decision, but consider buying as large an amount as possible.

Collision coverage protection

Collision coverage will pay to fix damage to your Sienna resulting from a collision with another vehicle or an object, but not an animal. A deductible applies and the rest of the damage will be paid by collision coverage.

Collision insurance covers things like sideswiping another vehicle, hitting a parking meter, scraping a guard rail and rolling your car. Collision is rather expensive coverage, so analyze the benefit of dropping coverage from vehicles that are 8 years or older. You can also increase the deductible in order to get cheaper collision rates.

Medical expense coverage

Personal Injury Protection (PIP) and medical payments coverage pay for immediate expenses like doctor visits, EMT expenses, pain medications and prosthetic devices. They are used to fill the gap from your health insurance policy or if there is no health insurance coverage. They cover all vehicle occupants and will also cover being hit by a car walking across the street. Personal Injury Protection is not universally available but it provides additional coverages not offered by medical payments coverage

Uninsured or underinsured coverage

This protects you and your vehicle’s occupants when the “other guys” either have no liability insurance or not enough. Covered claims include injuries to you and your family and also any damage incurred to your Toyota Sienna.

Since many drivers only carry the minimum required liability limits, it only takes a small accident to exceed their coverage. That’s why carrying high Uninsured/Underinsured Motorist coverage is very important.

Comprehensive protection

This coverage covers damage caused by mother nature, theft, vandalism and other events. You need to pay your deductible first then the remaining damage will be covered by your comprehensive coverage.

Comprehensive insurance covers claims such as falling objects, damage from flooding, hitting a bird, hitting a deer and fire damage. The highest amount you’ll receive from a claim is the actual cash value, so if the vehicle is not worth much it’s probably time to drop comprehensive insurance.

Do the work, save more money

As you restructure your insurance plan, it’s a bad idea to skimp on critical coverages to save a buck or two. There are a lot of situations where consumers will sacrifice full coverage and discovered at claim time that their decision to reduce coverage ended up costing them more. Your strategy should be to find the BEST coverage at a price you can afford while still protecting your assets.

Throughout this article, we presented some good ideas how to save on 1998 Toyota Sienna insurance. The key concept to understand is the more rate quotes you have, the better your chances of lowering your rates. Consumers may even find the lowest rates come from an unexpected company. Some small companies may only write in your state and offer lower rates than the large multi-state companies such as Progressive and Geico.

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