2013 Toyota Sienna Car Insurance Quotes

Locating better insurance prices for a Toyota Sienna could be a lot of work, but you can use these tips to save time. There is a better way to compare insurance coverage rates so you’re going to learn the quickest way to get price quotes for a Toyota and get the lowest possible price from local insurance agents and online providers.

Finding Auto Insurance

Reducing your 2013 Toyota Sienna insurance rates isn’t really that difficult. All that’s required is to take time comparing price quotes online from several insurance companies. This can be done in just a few minutes using one of these methods.

The easiest and least time consuming way to compare a lot of rates at once is an all-inclusive rate comparison (click to open form in new window). This form keeps you from doing separate forms for every auto insurance company. In just a few minutes this one form gets rate comparisons from all major companies. Just one form and you’re done.
A more time consuming way to get comparison quotes requires visiting the website for every company you want to comare to complete a price quote. For example, let’s say you want to compare Progressive, 21st Century and Farmers. You would have to visit each site and enter your information, which is why the first method is quicker.
For a handy list of car insurance company links in your area, click here.

However you get your quotes, ensure you’re using exactly the same quote information for every quote you compare. If each company quotes different limits and deductibles on each one then you won’t be able to determine the lowest rate for your Toyota Sienna.

Policy discounts you shouldn’t miss

Car insurance companies don’t always publicize every discount in a way that’s easy to find, so the following is a list of some of the best known and the harder-to-find insurance coverage savings. If you aren’t receiving every discount you deserve, you’re paying more than you need to.

Passive Restraint Discount – Vehicles with factory air bags can get savings of 20% or more.
No Claims – Drivers with accident-free driving histories can save substantially when compared with accident-prone drivers.
Bundle and Save – When you combine your home and auto insurance with the same insurance company you will save up to 20% off your total premium.
Sign Online – Some insurance companies will give a small break just for signing your application digitally online.
Drive Less and Save – Keeping the miles down on your Toyota can qualify you for lower rates on the low mileage vehicles.
Theft Prevention System – Vehicles equipped with anti-theft or alarm systems help deter theft and therefore earn up to a 10% discount.
Homeowners Savings – Owning a house may earn you a small savings because owning a home demonstrates responsibility.
Federal Employees – Simply working for the federal government can save as much as 8% on Sienna coverage with select insurance companies.
Club Memberships – Participating in a civic or occupational organization may earn a discount on insurance coverage on Sienna coverage.

It’s important to note that some of the credits will not apply to the entire cost. Most only cut specific coverage prices like medical payments or collision. Just because you may think it’s possible to get free car insurance, insurance coverage companies aren’t that generous.

For a list of insurance companies offering insurance coverage discounts, click this link.

Toyota Sienna rates are in the details

It’s important that you understand the factors that come into play when calculating the rates you pay for auto insurance. When you know what positively or negatively impacts premium levels enables informed choices that can help you get lower auto insurance prices.

Your stress level may be raising your rates – Did you know your job can affect your rates? Careers like lawyers, social workers and accountants tend to have higher rates than average attributed to high stress and lengthy work days. On the flip side, occupations like actors, athletes and homemakers receive lower rates on Sienna coverage.
Where you reside plays a part – Choosing to live in small towns and rural areas is a positive aspect when talking about auto insurance. Fewer people means fewer accidents and a lower car theft rate. Drivers in populated areas have more traffic problems and much longer commute distances. More time commuting translates into higher accident risk.
Better credit scores mean better rates – Credit history is a big factor in calculating your auto insurance rates. If your credit rating is not that good, you could be paying less to insure your 2013 Toyota Sienna by spending a little time repairing your credit. Drivers with good credit tend to file fewer claims and have better driving records than drivers who have lower credit scores.
Teen drivers pay high rates – Youthful drivers tend to be less responsible when driving so they pay higher auto insurance rates. Having to add a young driver to your auto insurance policy can break the bank. More mature drivers tend to be more responsible, tend to file fewer claims and tend to be better behind the wheel.
Better crash test results mean better rates – Safer cars get lower rates. These vehicles reduce injuries and any reduction in injury severity means lower claim amounts passed on to you as lower rates. If the Toyota Sienna scored better than four stars on Safercar.gov or an “acceptable” rating on iihs.org it may be receiving lower rates.
No coverage gaps is important – Allowing your coverage to lapse will be a guaranteed way to increase your auto insurance rates. Not only will you pay more, but not being able to provide proof of insurance can result in a steep fine or even jail time.

Insurance agents can help

When it comes to buying the right insurance coverage, there really is no “perfect” insurance plan. Everyone’s needs are different.

Here are some questions about coverages that might help in determining if your insurance needs may require specific advice.

Can I drive in Mexico and have coverage?
Is business equipment covered while in my vehicle?
Do I have newly-aquired coverage?
Should I buy full coverage?
Do I have coverage when making deliveries for my home business?
Are all vehicle passengers covered by medical payments coverage?
Do I really need UM/UIM coverage?

If you’re not sure about those questions but you know they apply to you, you may need to chat with a licensed insurance agent. If you want to speak to an agent in your area, take a second and complete this form. It’s fast, free and can provide invaluable advice.

The insurance bait and switch

Consumers can’t ignore all the ads for car insurance savings from the likes of Allstate and Progressive. They all make an identical promise about savings if you move your coverage to them.

How does each company make the same claim? This is how they do it.

Insurance companies are able to cherry pick for the right customer that earns them a profit. A good example of a profitable customer could be between the ages of 40 and 55, has no prior claims, and has a high credit rating. Any new insured that hits that “sweet spot” will get very good rates and is almost guaranteed to save a lot of money.

Potential customers who are not a match for this ideal profile will be charged higher premiums and this can result in the customer not buying. The ad wording is “customers that switch” not “everybody who quotes” save that much. This is how companies can truthfully advertise the way they do. That is why it is so important to quote coverage with many companies. It’s just too difficult to predict which insurance companies will give you the biggest savings on Toyota Sienna insurance.

Auto insurance coverage breakdown

Learning about specific coverages of auto insurance can help you determine which coverages you need and the correct deductibles and limits. The coverage terms in a policy can be impossible to understand and reading a policy is terribly boring.

Liability coverages

This will cover injuries or damage you cause to people or other property. It protects you against claims from other people. It does not cover damage sustained by your vehicle in an accident.

Liability coverage has three limits: per person bodily injury, per accident bodily injury, and a property damage limit. You commonly see liability limits of 100/300/100 which stand for $100,000 bodily injury coverage, a total of $300,000 of bodily injury coverage per accident, and a total limit of $100,000 for damage to vehicles and property.

Liability insurance covers claims such as medical services, attorney fees and funeral expenses. The amount of liability coverage you purchase is up to you, but consider buying as much as you can afford.

Medical payments and PIP coverage

Medical payments and Personal Injury Protection insurance provide coverage for bills for things like pain medications, dental work, X-ray expenses and doctor visits. They are used to fill the gap from your health insurance program or if you do not have health coverage. Medical payments and PIP cover not only the driver but also the vehicle occupants in addition to any family member struck as a pedestrian. PIP is only offered in select states but it provides additional coverages not offered by medical payments coverage

Coverage for collisions

Collision insurance will pay to fix damage to your Sienna caused by collision with another vehicle or an object, but not an animal. A deductible applies then your collision coverage will kick in.

Collision insurance covers things like colliding with a tree, backing into a parked car, scraping a guard rail, crashing into a building and sustaining damage from a pot hole. Collision is rather expensive coverage, so consider dropping it from lower value vehicles. You can also increase the deductible to bring the cost down.

Comprehensive auto coverage

Comprehensive insurance will pay to fix damage from a wide range of events other than collision. You first have to pay a deductible and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive can pay for claims such as damage from flooding, a tree branch falling on your vehicle, vandalism and damage from getting keyed. The most your auto insurance company will pay is the actual cash value, so if the vehicle is not worth much it’s not worth carrying full coverage.

UM/UIM (Uninsured/Underinsured Motorist) coverage

Uninsured or Underinsured Motorist coverage protects you and your vehicle from other motorists when they either have no liability insurance or not enough. This coverage pays for injuries sustained by your vehicle’s occupants and also any damage incurred to your Toyota Sienna.

Since a lot of drivers have only the minimum liability required by law, it only takes a small accident to exceed their coverage. For this reason, having high UM/UIM coverages is a good idea.

You can do this!

Lower-priced 2013 Toyota Sienna insurance can be purchased on the web and with local insurance agents, and you should be comparing both to get a complete price analysis. Some car insurance companies do not offer you the ability to get quotes online and these small insurance companies work with independent agents.

We’ve covered a lot of techniques to reduce insurance prices online. It’s most important to understand that the more quotes you get, the better your chances of lowering your rates. You may even discover the biggest savings come from a small local company.

Insureds leave their current company for any number of reasons including delays in responding to claim requests, policy non-renewal, questionable increases in premium and even poor customer service. Regardless of your reason, switching car insurance companies is pretty easy and you might even save some money in the process.