How Much Does 1993 Toyota Celica Insurance Cost?

Looking for better insurance coverage rates? Shoppers have a choice when shopping for affordable Toyota Celica insurance. You can either waste hours calling around trying to get quotes or use the internet to find the lowest rates. There is a right way and a wrong way to find insurance coverage online and we’ll show you the proper way to get price quotes for your Toyota and find the cheapest rates.

You need to compare premium rates as often as possible because prices are rarely the same from one policy term to another. If you had the best rates for Celica insurance last year a different company probably has better premium rates today. Forget anything you know (or think you know) about insurance coverage because you’re about to find out the easiest way to eliminate unnecessary coverages and save money.

Choosing the best insurance company for you is quite easy. If you are paying for car insurance now, you stand a good chance to be able to reduce your rates substantially using this information. Drivers just need to know the most effective way to get comparison rates on the web.

How to get affordable car insurance

There are multiple methods you can shop for car insurance but some are easier and takes less work. You can waste a lot of time discussing policy coverages with agents in your area, or you could save time and use the internet to get prices fast.

Many insurance companies enroll in a system where prospective buyers send in one quote, and at least one company can give them a price determined by their information. This prevents consumers from doing form submissions for every car insurance company. To get comparison pricing now click here (opens in new window).

The one downside to comparing rates this way is you can’t choose the providers to receive prices from. If you prefer to choose specific insurance companies to compare prices, we put together a list of companies who write car insurance in your area. View list of insurance companies.

It’s up to you which method you use, but make sure you are using nearly identical coverage limits for each price quote. If you use higher or lower deductibles it will be nearly impossible to determine which rate is truly the best.

Insurance coverage companies offer many types of discounts

Car insurance can cost a lot, but you can get discounts that can dramatically reduce your bill. Larger premium reductions will be automatically applied when you purchase, but occassionally some discounts must be specially asked for before you get the savings. If you are not receiving all the discounts you qualify for, it’s possible you qualify for a lower rate.

Passenger Safety Discount – Cars that have air bags or motorized seat belts can get savings of 20 to 30 percent.
Use Seat Belts – Using a seat belt and requiring all passengers to use a seat belt can save up to 10 percent (depending on the company) on the medical payments or PIP coverage costs.
Memberships – Participating in specific professional or occupational memberships or organizations could trigger savings on your next insurance coverage statement.
Driver Training Discounts – Participating in a course in defensive driving can save you 5% or more if you qualify.
Distant Student Discount – who are attending college and leave their car at home can be insured at a reduced rate.
Theft Prevention Discount – Anti-theft and alarm system equipped vehicles can help prevent theft and earn discounts up to 10% off your car insurance quote.
Active Service Discounts – Having an actively deployed family member could be rewarded with lower rates.
Save with More Vehicles Insured – Insuring all your vehicles on the same insurance coverage policy could earn a price break for each car.

We need to note that some credits don’t apply to the entire cost. Most cut individual premiums such as liability, collision or medical payments. So when the math indicates having all the discounts means you get insurance for free, you aren’t that lucky.

Large insurance coverage companies and some of the premium reductions they offer are detailed below.

GEICO may include discounts for membership and employees, seat belt use, federal employee, defensive driver, and anti-theft.
MetLife includes discounts for good student, accident-free, defensive driver, good driver, and claim-free.
Progressive may have discounts that include online quote discount, continuous coverage, online signing, multi-policy, and multi-vehicle.
Travelers may offer discounts for new car, multi-car, IntelliDrive, continuous insurance, and early quote.
SAFECO offers premium reductions for teen safe driver, anti-theft, safe driver, homeowner, anti-lock brakes, teen safety rewards, and accident prevention training.
AAA policyholders can earn discounts including anti-theft, multi-car, good student, AAA membership discount, good driver, education and occupation, and multi-policy.

Check with every company which discounts you qualify for. Discounts might not apply in your area. If you would like to see a list of insurance companies with discount rates, follow this link.

Do I just need basic coverages?

When it comes to buying the best insurance coverage coverage for your personal vehicles, there is no one size fits all plan. Everyone’s needs are different.

For example, these questions could help you determine if your insurance needs may require specific advice.

What is an SR-22 filing?
Is motorclub coverage worth it?
Exactly who is provided coverage by my policy?
Am I covered when driving in Canada or Mexico?
If my pet gets injured in an accident are they covered?
Should I buy more coverage than the required minimum liability coverage?
What if I owe more than I can insure my car for?

If you don’t know the answers to these questions but you think they might apply to your situation then you might want to talk to a licensed agent. To find an agent in your area, complete this form. It is quick, free and you can get the answers you need.

Car insurance policy coverages for a 1993 Toyota Celica

Having a good grasp of your policy can be of help when determining the best coverages and the correct deductibles and limits. Car insurance terms can be difficult to understand and reading a policy is terribly boring.

Coverage for collisions

This coverage pays for damage to your Celica 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 claims such as colliding with another moving vehicle, crashing into a building and backing into a parked car. Collision is rather expensive coverage, so consider dropping it from vehicles that are 8 years or older. Drivers also have the option to choose a higher deductible to save money on collision insurance.

Liability insurance

This coverage protects you from injuries or damage you cause to people or other property in an accident. This insurance protects YOU from legal claims by others. It does not cover your own vehicle damage or injuries.

It consists of three limits, per person bodily injury, per accident bodily injury, and a property damage limit. As an example, you may have liability limits of 50/100/50 that means you have a limit of $50,000 per injured person, a limit of $100,000 in injury protection per accident, and property damage coverage for $50,000.

Liability can pay for claims like funeral expenses, bail bonds, repair costs for stationary objects, repair bills for other people’s vehicles and loss of income. The amount of liability coverage you purchase is a personal decision, but consider buying higher limits if possible.

UM/UIM Coverage

This coverage protects you and your vehicle’s occupants from other motorists when they are uninsured or don’t have enough coverage. It can pay for injuries to you and your family as well as damage to your Toyota Celica.

Because many people have only the minimum liability required by law, their limits can quickly be used up. For this reason, having high UM/UIM coverages should not be overlooked.

Medical costs insurance

Coverage for medical payments and/or PIP reimburse you for expenses for hospital visits, EMT expenses, nursing services and pain medications. The coverages can be utilized in addition to your health insurance policy or if you are not covered by health insurance. It covers all vehicle occupants and also covers any family member struck as a pedestrian. Personal Injury Protection is not available in all states but can be used in place of medical payments coverage

Comprehensive or Other Than Collision

Comprehensive insurance coverage pays to fix your vehicle from damage from a wide range of events other than collision. A deductible will apply and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive can pay for things such as fire damage, damage from a tornado or hurricane and vandalism. The most you’ll receive from a claim is the actual cash value, so if it’s not worth much more than your deductible it’s not worth carrying full coverage.