Compare 2016 Toyota Avalon Insurance Quotes

Finding better insurance prices for a Toyota Avalon can normally be an all-consuming task, but you can learn our car insurance buying tips to make it easier.

There are both good and bad ways to shop for car insurance and we’ll show you the quickest way to get price quotes for your Toyota and obtain the cheapest rates either online or from local insurance agents.

It’s a great practice to compare prices before your policy renews because insurance prices trend upward over time. Just because you found the best rates for Avalon insurance on your last policy there is a good chance you can find better premium rates now. Ignore everything you know about car insurance because I’m going to let you in on the secrets to how to use online quotes to find better coverage at a better price.

The easiest way to compare rate quotes is to know the fact auto insurance companies have advanced systems to compare rate quotes. To get started, all you need to do is give the companies some data including marital status, your occupation, the make and model of your vehicles, and an estimate of your credit level. Your information is then submitted to insurance companies and you get price estimates quickly.

Insurance policy discounts

Some companies don’t always list every discount very clearly, so the next list breaks down both the well known and the harder-to-find insurance savings. If you don’t get every credit possible, it’s possible you qualify for a lower rate.

  • Homeowners Pay Less – Being a homeowner can save a few bucks because it shows financial diligence.
  • Discounts for Seat Belt Usage – Using a seat belt and requiring all passengers to use their safety belts can save up to 10 percent (depending on the company) off the medical payments premium.
  • Theft Deterent System – Vehicles that have factory anti-theft systems can help prevent theft and will save you 10% or more.
  • Sign Early and Save – Some insurance companies provide a discount for buying a new policy prior to the expiration date on your current policy. It’s a savings of about 10%.
  • Anti-lock Brake Discount – Cars that have anti-lock braking systems have fewer accidents and qualify for as much as a 10% discount.
  • Driver’s Ed – It’s a good idea to have your young drivers participate in a local driver’s education class in high school.
  • Mature Driver Discount – Older drivers may qualify for reduced rates for Avalon insurance.
  • Claim Free – Drivers who don’t have accidents have much lower rates when compared to insureds who have frequent claims or accidents.

Discounts reduce rates, but you should keep in mind that most discount credits are not given the the whole policy. Some only apply to the price of certain insurance coverages like collision or personal injury protection. So even though it sounds like all those discounts means the company will pay you, insurance companies wouldn’t stay in business.

Large insurance companies and the discounts they provide are detailed below.

  • American Family discounts include Steer into Savings, mySafetyValet, bundled insurance, accident-free, good student, multi-vehicle, and TimeAway discount.
  • Nationwide may offer discounts for multi-policy, defensive driving, easy pay, Farm Bureau membership, family plan, and accident-free.
  • MetLife offers discounts including claim-free, multi-policy, good driver, good student, accident-free, defensive driver
  • 21st Century has savings for teen driver, anti-lock brakes, student driver, theft prevention, driver training, and automatic seat belts.
  • Farmers Insurance may include discounts for electronic funds transfer, alternative fuel, mature driver, business and professional, and youthful driver.
  • Allstate has discounts for defensive driver, resident student, good student, premier plus, 55 and retired, new car, and good payer.

When comparing rates, check with every prospective company what discounts are available to you. Some of the discounts discussed earlier may not apply to policyholders in your area. To locate insurance companies that offer discounts, click here.

Toyota Avalon insurance price factors

A large part of saving on insurance coverage is knowing some of the elements that come into play when calculating your insurance coverage rates. If you have a feel for what controls the rates you pay, this allows you to make good choices that can help you get cheaper rates. Multiple criteria are used in the calculation when you get your auto insurance bill. Some factors are common sense such as traffic violations, but some are more obscure like your vehicle usage or how financially stable you are.

  • Get better premiums if you’re married – Walking down the aisle may save some money compared to being single. Having a significant other is viewed as being more mature than a single person and it’s proven that drivers who are married are more cautious.
  • Do you work long hours in a high stress vocation? – Did you know your insurance coverage rates can be affected by your occupation? Jobs like judges, executives and emergency personnel tend to pay higher rates than the rest of us due to job stress and lots of time spent away from family. Other occupations such as professors, athletes and the unemployed pay the least for Avalon insurance.
  • Tickets inflate rates – Your driving record has a huge affect on how much you pay. Good drivers pay lower auto insurance prices as compared to careless drivers. Getting just one driving citation can bump up the cost to the point where it’s not affordable. Drivers who have gotten severe violations such as DUI, reckless driving or excessive speeding may find that they have to to file a proof of financial responsibility form (SR-22) with their state DMV in order to legally drive a vehicle.
  • Good credit equals lower prices – Having a good credit score is likely to be a major factor in determining what you pay. Consumers who have excellent credit scores tend to be less risk to insure than those with poor credit scores. Therefore, if your credit rating can use some improvement, you could pay less to insure your 2016 Toyota Avalon by improving your credit score.
  • Better premiums on vehicles with better crash test results – Safer cars tend to have lower insurance rates. Vehicles built for safety help reduce the chance of injuries in an accident and lower rates of occupant injuries translates directly to fewer claims and lower rates for you. If your Toyota Avalon is rated at a minimum an “acceptable” rating on the Insurance Institute for Highway Safety website or four stars on the National Highway Traffic Safety Administration website you may be receiving a better rate.
  • You may save more by combining policies – Many insurance companies will award a discount for people that purchase more than one policy, otherwise known as a multi-policy discount. The discount can add up to ten percent or more. Even with this discount, it’s always a smart idea to compare other insurance prices to make sure you are getting the best deal.There is a chance you can find lower rates by buying from different companies
  • Male costs may be higher – Statistics demonstrate women are more cautious behind the wheel. That doesn’t necessarily mean that females are better at driving than males. Both genders have accidents at a similar rate, but the male of the species tend to have higher claims. Men also tend to get cited for more serious violations like driving under the influence (DUI).

How do I know if I need professional advice?

When it comes to buying proper insurance coverage, there isn’t really a “best” method to buy coverage. Each situation is unique.

For instance, these questions may help highlight if your insurance needs will benefit from professional help.

  • Should I rate my 2016 Toyota Avalon as pleasure use or commute?
  • Will I lose any money if I cancel my policy before it expires?
  • Am I covered if my car is in a flood?
  • Does my policy cover me when driving someone else’s vehicle?
  • When should I remove comp and collision on my 2016 Toyota Avalon?
  • Am I covered by my employer’s commercial auto policy when driving my personal car for business?
  • How do I buy GAP insurance?
  • What are the best liability limits?
  • How does medical payments coverage work?
  • Are split liability limits better than a combined single limit?

If you can’t answer these questions then you might want to talk to an agent. If you want to speak to an agent in your area, fill out this quick form. It’s fast, doesn’t cost anything and can help protect your family.

Do auto insurance companies bend the truth?

Consumers can’t get away from ads that claim the lowest prices by Allstate and Progressive. All the companies seem to make the promise that drivers will save a bundle if you move your auto insurance policy to them.

That’s great but how can every company charge you a lower premium? You have to listen carefully.

Auto insurance companies give the cheapest rates for the type of driver that will be a good risk. An example of a desirable insured may be over the age of 35, has never had a policy lapse, and has a high credit rating. A propective insured that hits that “sweet spot” will probably get the lowest prices and will most likely save money with a new company.

Potential insureds who don’t measure up to these standards may be required to pay higher rates which results in the customer not buying. If you listen to the ad wording, they say “customers that switch” but not “all drivers who get quotes” save that much when switching. That’s the way insurance companies can confidently make claims that they all have the best car insurance rates.

This illustrates why it’s extremely important to get car insurance quotes as often as possible. It’s not possible to predict the company that will have the best rates for your profile.

Car insurance coverage options for a 2016 Toyota Avalon

Learning about specific coverages of a car insurance policy can be of help when determining which coverages you need and proper limits and deductibles. Policy terminology can be confusing and even agents have difficulty translating policy wording.

Comprehensive auto coverage

This pays to fix your vehicle from damage OTHER than collision with another vehicle or object. You need to pay your deductible first then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage pays for claims such as a tree branch falling on your vehicle, vandalism, hail damage and damage from flooding. The maximum amount your car insurance company will pay is the cash value of the vehicle, so if the vehicle’s value is low it’s probably time to drop comprehensive insurance.

Liability insurance

Liability coverage can cover damage or injury you incur to a person or their property. This coverage protects you from legal claims by others, and does not provide coverage for your injuries or vehicle damage.

Liability coverage has three limits: bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. As an example, you may have policy limits of 50/100/50 which stand for $50,000 bodily injury coverage, a limit of $100,000 in injury protection per accident, and $50,000 of coverage for damaged propery. Alternatively, you may have one limit called combined single limit (CSL) which provides one coverage limit and claims can be made without the split limit restrictions.

Liability coverage protects against claims such as repair bills for other people’s vehicles, pain and suffering and court costs. How much liability should you purchase? That is up to you, but buy as high a limit as you can afford.

UM/UIM (Uninsured/Underinsured Motorist) coverage

Your UM/UIM coverage protects you and your vehicle from other motorists when they do not carry enough liability coverage. Covered losses include hospital bills for your injuries as well as your vehicle’s damage.

Since a lot of drivers only carry the minimum required liability limits, their limits can quickly be used up. For this reason, having high UM/UIM coverages is a good idea. Normally your uninsured/underinsured motorist coverages are set the same as your liablity limits.

Collision coverage protection

Collision insurance covers damage to your Avalon caused by collision with a stationary object or other vehicle. A deductible applies and then insurance will cover the remainder.

Collision coverage pays for things like backing into a parked car, colliding with a tree and colliding with another moving vehicle. Collision is rather expensive coverage, so consider dropping it from vehicles that are older. Another option is to raise the deductible to save money on collision insurance.

Medical payments and PIP coverage

Coverage for medical payments and/or PIP pay for expenses for pain medications, chiropractic care and prosthetic devices. They are often used to fill the gap from your health insurance policy or if you are not covered by health insurance. Medical payments and PIP cover you and your occupants and also covers getting struck while a pedestrian. Personal injury protection coverage is not an option in every state but can be used in place of medical payments coverage

Quote often and quote early

We just covered many ideas to shop for 2016 Toyota Avalon insurance online. It’s most important to understand that the more price quotes you have, the higher the chance of saving money. Consumers could even find that the biggest savings come from the least-expected company.

Cheap 2016 Toyota Avalon insurance is definitely available on the web as well as from insurance agents, and you should compare rates from both to get a complete price analysis. Some insurance providers don’t offer online rate quotes and these smaller companies sell through independent agencies.

When shopping online for insurance coverage, don’t be tempted to buy less coverage just to save a little money. There are too many instances where consumers will sacrifice liability coverage limits to discover at claim time that the savings was not a smart move. Your strategy should be to purchase a proper amount of coverage for the lowest price but still have enough coverage for asset protection.

More detailed insurance coverage information can be found by following these links: