Cheaper 1998 Toyota Supra Car Insurance Quotes

Are you sick and tired of paying out the nose to insure your Toyota every month? You are no different than many other drivers. Because there are so many choices, it is very difficult to choose the most cost effective car insurance company.

Pay less for Toyota Supra insurance

Companies that sell car insurance don’t always publicize every discount in an easy-to-find place, so we researched both well-publicized and the more hidden discounts you could be receiving. If they aren’t giving you every credit possible, you are throwing money away.

  • Clubs and Organizations – Being a member of certain professional organizations could qualify you for a break when shopping for insurance coverage on Supra insurance.
  • Drive Less and Save – Low mileage vehicles could be rewarded with lower rates on the low mileage vehicles.
  • Multi-car Discount – Buying coverage for more than one vehicle with the same company can get a discount on all vehicles.
  • No Accidents – Drivers who don’t have accidents pay much less when compared with frequent claim filers.
  • Save over 55 – If you’re over the age of 55, you may receive better insurance coverage rates on Supra insurance.
  • Accident Forgiveness – Certain companies will allow you to have one accident without raising rates so long as you haven’t had any claims for a set time period.
  • Life Insurance – Select insurance companies reward you with lower rates if you buy life insurance from them.
  • Use Seat Belts – Buckling up and requiring all passengers to use their safety belts could save 15% off the personal injury premium cost.
  • Federal Employees – Active or retired federal employment could cut as much as 10% off on Supra insurance with certain companies.
  • Defensive Driver – Taking part in a course teaching defensive driving skills could save 5% or more if you qualify.

Keep in mind that most discounts do not apply to the entire cost. The majority will only reduce the cost of specific coverages such as comp or med pay. So when the math indicates you could get a free insurance coverage policy, companies don’t profit that way.

Car insurance companies that may offer some of the above discounts include:

It’s a good idea to ask each insurance company which discounts you may be entitled to. Discounts might not be offered in every state.

Compare Insurance Costs

Finding a better price on insurance is a fairly straight forward process. The only requirement is to take time to compare rate quotes from different insurance companies. This is very easy and can be done in a couple of different ways.

  1. The fastest way to get quotes for comparison would be an industry-wide quote request form (click to open form in new window). This easy form saves time by eliminating separate forms to each individual insurance company. One simple form will get you rate comparisons from many national carriers.
  2. A harder way to obtain and compare quotes online requires you to visit the website of each company to complete a price quote. For example, let’s say you want to compare rates from Nationwide, Farmers and GMAC. You would have to visit each site to enter your coverage information, which is why the first method is quicker.

    For a list of links to insurance companies in your area, click here.

  3. The least recommended way to get comparison rates is to drive around to insurance agents’ offices. The internet eliminates the need for an insurance agent unless you require the trained guidance of a licensed agent. However, consumers can get the lowest quotes online but still have the advice of a local agent and we’ll touch on that later.

It doesn’t matter which method you choose, just make darn sure you compare apples-to-apples deductibles and coverage limits for each price quote. If you have different liability limits it will be very difficult to truly determine the lowest rate.

Tailor your coverage to you

When buying proper insurance coverage for your vehicles, there really is not a best way to insure your cars. Coverage needs to be tailored to your specific needs and a cookie cutter policy won’t apply. These are some specific questions may help highlight whether or not you would benefit from an agent’s advice.

  • Is my trailer covered?
  • I don’t drive much so do I pay less?
  • Why does it cost so much to insure a teen driver?
  • I have health insurance so do I need medical payments coverage?
  • Should I buy only the required minimum liability coverage?
  • Where can I find high-risk insurance?
  • Does my policy cover my teen driver if they drive my company car?
  • Is my nanny covered when driving my vehicle?

If you can’t answer these questions but you know they apply to you then you might want to talk to a licensed agent. To find lower rates from a local agent, take a second and complete this form or you can also visit this page to select a carrier It is quick, free and may give you better protection.

Insurance coverages and their meanings

Knowing the specifics of your policy can be of help when determining the right coverages and proper limits and deductibles. The terms used in a policy can be impossible to understand and nobody wants to actually read their policy. Shown next are typical coverages found on most insurance policies.

Collision coverages – Collision insurance covers damage to your Supra resulting from colliding with an object or car. You have to pay a deductible then the remaining damage will be paid by your insurance company.

Collision can pay for things such as backing into a parked car, damaging your car on a curb and crashing into a building. This coverage can be expensive, so consider dropping it from vehicles that are older. It’s also possible to raise the deductible to bring the cost down.

Medical payments and PIP coverage – Personal Injury Protection (PIP) and medical payments coverage provide coverage for bills for things like hospital visits, pain medications, X-ray expenses and ambulance fees. They can be used to fill the gap from your health insurance policy or if you lack health insurance entirely. Medical payments and PIP cover you and your occupants and also covers being hit by a car walking across the street. PIP is only offered in select states and may carry a deductible

Liability coverages – Liability insurance will cover injuries or damage you cause to other’s property or people in an accident. It protects YOU from claims by other people, and does not provide coverage for your injuries or vehicle damage.

It consists of three limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You might see limits of 50/100/50 which means a $50,000 limit per person for injuries, a total of $100,000 of bodily injury coverage per accident, and property damage coverage for $50,000.

Liability coverage protects against claims such as repair bills for other people’s vehicles, pain and suffering, legal defense fees, repair costs for stationary objects and attorney fees. How much liability coverage do you need? That is your choice, but buy higher limits if possible.

Comprehensive auto coverage – This pays for damage caused by mother nature, theft, vandalism and other events. You need to pay your deductible first and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive coverage pays for claims like hitting a bird, hail damage and damage from getting keyed. The maximum amount you’ll receive from a claim is the actual cash value, so if the vehicle’s value is low it’s not worth carrying full coverage.

UM/UIM (Uninsured/Underinsured Motorist) coverage – This coverage provides protection when other motorists either are underinsured or have no liability coverage at all. Covered claims include injuries sustained by your vehicle’s occupants as well as your vehicle’s damage.

Since many drivers carry very low liability coverage limits, it only takes a small accident to exceed their coverage. For this reason, having high UM/UIM coverages is important protection for you and your family.

Summing up your auto insurance search

The cheapest 1998 Toyota Supra insurance can be bought both online as well as from independent agents, so you should be comparing quotes from both in order to have the best price selection to choose from. Some insurance companies don’t offer you the ability to get quotes online and most of the time these smaller companies sell through independent agents.

We covered some good ideas how to lower your insurance rates. The key thing to remember is the more you quote, the better your chances of lowering your rates. Consumers may even find the best price on auto insurance is with a smaller regional carrier. They can often provide lower rates in certain areas as compared to the big name companies such as Progressive or Geico.

More information is available on the following sites: