Lower Your 2014 Toyota Venza Insurance Cost

Cutting costs on insurance coverage is always difficult for consumers new to comparison shopping online. Drivers have so many options that it can easily become a real challenge to locate the lowest price.

Quick Insurance Quotes

There are several ways you can shop for Toyota Venza insurance but there is one way that is easier and takes less work. You can waste hours talking to agents in your area, or you can utilize online quotes to accomplish the same thing much quicker.

Most of the best insurance companies belong to an insurance system where insurance shoppers submit one quote, and each participating company then gives them pricing based on that information. This prevents consumers from doing form submissions to each company.

To fill out one form to compare multiple rates now click here to start a free quote.

The one downside to using this type of system is you don’t know exactly which carriers to receive prices from. If you would rather choose specific insurance companies to compare prices, we put together a list of low cost insurance companies in your area. View list of insurance companies.

Whichever method you choose, make absolute certain that you use exactly the same coverage limits for every quote you compare. If you compare different values for each quote it’s not possible to truly determine the lowest rate. Having just a slight variation in coverage limits can make a big difference in price. And when price shopping your coverage, having more price comparisons will increase your chances of finding the best rates.

These discounts can slash car insurance rates

Companies that sell car insurance do not advertise every available discount very clearly, so we took the time to find both well-publicized and also the lesser-known car insurance savings.

Passive Restraints – Factory air bags or motorized seat belts may earn rate discounts of up to 25% or more.
Anti-lock Brake Discount – Cars that have steering control and anti-lock brakes can reduce accidents and qualify for as much as a 10% discount.
Service Members Pay Less – Having a deployed family member could mean lower rates.
Homeowners Pay Less – Owning a home may earn you a small savings because maintaining a house demonstrates responsibility.
Save over 55 – If you qualify as a senior citizen, you can possibly qualify for reduced rates for Venza insurance.
Pay Now and Pay Less – By paying your policy upfront instead of paying each month you can actually save on your bill.
Discount for New Cars – Buying coverage on a new vehicle can save up to 30% since new cars are generally safer.
Early Switch Discount – Select companies give a discount for buying a policy before your current policy expires. It’s a savings of about 10%.
Safety Course Discount – Completing a driver safety course could possibly earn you a 5% discount depending on where you live.

Keep in mind that most credits do not apply the the whole policy. Some only apply to individual premiums such as collision or personal injury protection. So even though it sounds like all those discounts means the company will pay you, companies wouldn’t make money that way.

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

Before buying, ask each insurance company how you can save money. Some discounts might not apply everywhere.

When might I need the advice of an agent?

When buying adequate coverage, there really is not a “best” method to buy coverage. Your needs are not the same as everyone else’s.

For instance, these questions could help you determine if your insurance needs could use an agent’s help.

Does my insurance cover my expensive audio equipment?
Is my teen driver covered when they drive my company car?
When would I need additional glass coverage?
What is the minimum liability in my state?
Why am I required to buy high-risk coverage?
Can my teen driver be rated on a liability-only vehicle?
Am I covered if I break a side mirror?
Do I pay less if my vehicle is kept in my garage?

If you don’t know the answers to these questions but you know they apply to you, you may need to chat with an agent. To find lower rates from a local agent, fill out this quick form.

Specific coverage details

Understanding the coverages of a car insurance policy helps when choosing the right coverages and the correct deductibles and limits. Car insurance terms can be ambiguous and coverage can change by endorsement.

Uninsured or underinsured coverage

This coverage protects you and your vehicle’s occupants from other drivers when they either are underinsured or have no liability coverage at all. Covered losses include injuries sustained by your vehicle’s occupants as well as your vehicle’s damage.

Because many people only carry the minimum required liability limits, it doesn’t take a major accident to exceed their coverage limits. For this reason, having high UM/UIM coverages is important protection for you and your family.

Medical expense coverage

Med pay and PIP coverage pay for expenses such as doctor visits, prosthetic devices, hospital visits and rehabilitation expenses. They can be utilized in addition to your health insurance program or if you are not covered by health insurance. It covers you and your occupants in addition to if you are hit as a while walking down the street. Personal Injury Protection is not an option in every state and may carry a deductible

Coverage for collisions

This coverage pays for damage to your Venza from colliding with another car or object. You have to pay a deductible then your collision coverage will kick in.

Collision coverage pays for things such as colliding with another moving vehicle, rolling your car and backing into a parked car. This coverage can be expensive, so you might think about dropping it from older vehicles. Another option is to raise the deductible to get cheaper collision coverage.

Comprehensive protection

Comprehensive insurance pays to fix your vehicle from damage caused by mother nature, theft, vandalism and other events. You first have to pay a deductible then your comprehensive coverage will pay.

Comprehensive coverage protects against claims like damage from getting keyed, falling objects and damage from flooding. The maximum amount a car insurance company will pay at claim time is the market value of your vehicle, so if the vehicle’s value is low consider removing comprehensive coverage.

Coverage for liability

This coverage provides protection from damage or injury you incur to people or other property. It protects YOU from legal claims by others, and does not provide coverage for damage to your own property or vehicle.

Liability coverage has three limits: bodily injury per person, bodily injury per accident and property damage. You might see values of 50/100/50 that means you have a $50,000 limit per person for injuries, a limit of $100,000 in injury protection per accident, and $50,000 of coverage for damaged propery.

Liability insurance covers claims like medical services, medical expenses, funeral expenses, loss of income and bail bonds. How much liability coverage do you need? That is a decision to put some thought into, but buy higher limits if possible.