Cheap 2002 Toyota Celica Insurance Quotes

Searching for better insurance rates for your Toyota Celica? Overpriced Toyota Celica insurance can dwindle your bank account and put a big crunch on your finances. Comparison shopping is a great way to help make ends meet.

With consumers having so many companies to choose from, it can be diffult for consumers to choose the lowest cost car insurance company.

Smart consumers take time to get comparison quotes periodically because rates change frequently. Despite the fact that you may have had the best rates on Celica coverage two years ago you will most likely find a better rate today. There is too much inaccurate information about insurance online but we’re going to give you the best ways to find affordable insurance.

Compare the Market for Auto Insurance

The are a couple different ways to compare rate quotes from different insurance companies. By far the easiest way to compare 2002 Toyota Celica insurance prices is to get quotes online. It is quite easy and can be accomplished using a couple different methods.

  1. One of the best ways to find low rates is an all-inclusive rate comparison click here to open form in new window. This easy form saves time by eliminating boring form submissions for each company you want a rate for. In just a few minutes this one form compares rates from several companies.
  2. A harder way to obtain and compare quotes online requires a trip to each company website and fill out their own quote form. For instance, we’ll assume you want rates from Farmers, Liberty Mutual and American Family. To find out each rate you need to visit each site and enter your information, which is why the first method is more popular. For a list of links to companies insuring cars in your area, click here.
  3. The least efficient method of comparing rate quotes is to spend your day driving to and from local insurance agencies. The ability to buy insurance online eliminates the need for an insurance agent unless you want the professional guidance only provided by licensed agents. You can, however, comparison shop your insurance online but buy from a local insurance agent and we’ll cover that in a bit.

Which method you use is up to you, but ensure you’re using identical coverage information with each company. If you enter differing limits it will be next to impossible to make an equal comparison. Quoting even small variations in limits can mean a large discrepancy in price. Just keep in mind that having more price comparisons helps you find lower pricing.

Verify you’re getting all your discounts

Insuring your vehicles can cost a lot, but you may find discounts to help offset the cost. Certain discounts will be triggered automatically when you complete an application, but a few need to be specifically requested in order for you to get them.

  • Life Insurance Discount – Select insurance companies reward you with a discount if you purchase life insurance.
  • Good Student Discount – This discount can earn a discount of 20% or more. The discount lasts up to age 25.
  • Multiple Policy Discount – If you insure your home and vehicles with one company you will save at least 10% off all policies.
  • Drive Less and Save – Driving fewer miles could qualify for lower rates on the low mileage vehicles.
  • Early Signing – Some insurance companies reward drivers for signing up before your current policy expires. This can save 10% or more.
  • Anti-theft Discount – Vehicles equipped with anti-theft or alarm systems can help prevent theft and earn discounts up to 10%.
  • New Car Discount – Putting insurance coverage on a new car can be considerably cheaper since new cars are generally safer.

It’s important to understand that most discount credits are not given to the entire cost. Most only cut the price of certain insurance coverages like physical damage coverage or medical payments. So when it seems like you would end up receiving a 100% discount, it just doesn’t work that way. Any qualifying discounts will help reduce the amount you have to pay.

To see a list of insurers with the best car insurance discounts, click this link.

When should I talk to an agent?

When choosing the best insurance coverage for your personal vehicles, there is no perfect coverage plan. Your needs are not the same as everyone else’s and your policy should reflect that. For example, these questions can aid in determining if your insurance needs could use an agent’s help.

  • Does my policy cover me when driving someone else’s vehicle?
  • Am I covered when using my vehicle for business?
  • How do I file an SR-22 for a DUI in my state?
  • Am I covered by my spouse’s policy after a separation?
  • Am I covered if my car is in a flood?
  • Do I need an umbrella policy?
  • What is medical payments coverage?
  • Do I need replacement cost coverage on my 2002 Toyota Celica?
  • Am I covered if I hit my neighbor’s mailbox?
  • Does my policy cover my teen driver if they drive my company car?

If it’s difficult to answer those questions, you may need to chat with an agent. If you want to speak to an agent in your area, complete this form or click here for a list of insurance companies in your area.

Why your Toyota Celica insurance rates may be high

Consumers need to have an understanding of the different types of things that play a part in calculating auto insurance rates. Knowing what influences your rates empowers consumers to make smart changes that can help you get much lower annual insurance costs.

Shown below are a partial list of the pieces used by your company to calculate your rates.

  • More people means more accidents – Residing in a small town has it’s advantages when insuring your vehicles. Fewer drivers means a lower chance of having an accident and also fewer theft and vandalism claims. City drivers regularly have congested traffic and longer commutes to work. Higher commute times translates into higher accident risk.
  • Men are more aggressive – The statistics show women tend to be less risk to insure than men. However, this does not mean women are BETTER drivers than men. Women and men tend to get into accidents at about the same rate, but the male of the species have costlier accidents. Men also tend to have more aggressive citations like DUI and reckless driving. Male drivers age 16 to 19 tend to get in the most accidents and are penalized with high auto insurance rates.
  • Older drivers save more – Mature drivers tend to be more responsible, tend to cause fewer accidents and get fewer tickets. Teen drivers tend to get distracted easily in a vehicle therefore auto insurance rates are much higher.
  • Better credit scores mean better rates – Credit history is a big factor in determining your rates. Therefore, if your credit history is not that good, you could be paying less to insure your 2002 Toyota Celica by improving your rating. Drivers who have good credit tend to be better drivers and file fewer claims than drivers who have lower credit scores.
  • Bump up deductibles to save – Insurance for physical damage to your car, commonly called comprehensive (or other-than-collision) and collision coverage, is used to repair damage to your Toyota. A few examples of covered claims are a windshield shattered by a rock, vandalism, and burglary. Your deductibles are how much you are willing to pay out-of-pocket before your auto insurance pays a claim. The more you have to pay, the bigger discount you will receive on Celica coverage.

Parts of your insurance policy

Understanding the coverages of a insurance policy can help you determine the right coverages at the best deductibles and correct limits. Policy terminology can be confusing and even agents have difficulty translating policy wording. These are the normal coverages available from insurance companies.

Comprehensive coverage (or Other than Collision)

Comprehensive insurance coverage will pay to fix damage from a wide range of events other than collision. You first must pay your deductible then your comprehensive coverage will pay.

Comprehensive insurance covers things like damage from flooding, a broken windshield, hitting a deer, damage from a tornado or hurricane and rock chips in glass. The maximum amount your insurance company will pay is the cash value of the vehicle, so if it’s not worth much more than your deductible consider removing comprehensive coverage.

Auto collision coverage

This coverage covers damage to your Celica 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 coverage pays for claims such as crashing into a ditch, hitting a parking meter, hitting a mailbox, scraping a guard rail and damaging your car on a curb. Collision coverage makes up a good portion of your premium, so consider removing coverage from vehicles that are older. Another option is to raise the deductible to save money on collision insurance.

Uninsured Motorist or Underinsured Motorist insurance

This protects you and your vehicle’s occupants when other motorists do not carry enough liability coverage. This coverage pays for medical payments for you and your occupants as well as damage to your Toyota Celica.

Because many people only carry the minimum required liability limits, their limits can quickly be used up. So UM/UIM coverage should not be overlooked. Frequently the UM/UIM limits are set the same as your liablity limits.

Liability insurance

This coverage will cover damages or injuries you inflict on people or other property by causing an accident. It protects you against claims from other people, and does not provide coverage for your injuries or vehicle damage.

Split limit liability has three limits of coverage: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. As an example, you may have values of 100/300/100 that means you have a $100,000 limit per person for injuries, a total of $300,000 of bodily injury coverage per accident, and $100,000 of coverage for damaged propery. Alternatively, you may have one number which is a combined single limit which limits claims to one amount with no separate limits for injury or property damage.

Liability coverage protects against things such as loss of income, repair costs for stationary objects and medical expenses. The amount of liability coverage you purchase is your choice, but it’s cheap coverage so purchase higher limits if possible.

Insurance for medical payments

Med pay and PIP coverage pay for bills such as rehabilitation expenses, prosthetic devices, ambulance fees and surgery. The coverages can be used to fill the gap from your health insurance policy or if you do not have health coverage. It covers both the driver and occupants and will also cover if you are hit as a while walking down the street. Personal Injury Protection is only offered in select states but can be used in place of medical payments coverage

Feed the piggy bank

When shopping online for insurance, it’s a bad idea to skimp on coverage in order to save money. In many cases, an insured dropped collision coverage only to regret at claim time that it was a big mistake. Your goal should be to buy enough coverage at a price you can afford.

We covered some good ideas how to lower your 2002 Toyota Celica insurance rates. The key thing to remember is the more providers you compare, the higher the chance of saving money. Consumers may even find the best prices are with some of the smallest insurance companies. Smaller companies may cover specific market segments cheaper compared to the large companies like Allstate and Progressive.

Even more information is available at these sites: