Lower Your 1995 Toyota Celica Car Insurance Cost

Trying to find cheaper insurance rates for your Toyota Celica? Finding the cheapest auto insurance may appear to be difficult at first if you haven’t ever used online quotes. But don’t be overwhelmed because finding lower rates is actually fairly simple.

Locating the cheapest car insurance coverage is easy if you know what you’re doing. Essentially anyone who is required by state law to have car insurance stands a good chance to be able to lower their premiums. But car owners should learn how the larger insurance companies sell insurance online and take advantage of how the system works.

How to find cheap insurance coverage

Shopping for lower insurance coverage rates can be challenging if you aren’t aware of the easiest way. You could waste time talking to agents in your area, or you could use online quoting to accomplish the same thing much quicker.

Most of the larger companies participate in an industry program that enables customers to send in one quote, and each participating company can provide price quotes based on that information. This saves time by eliminating quotation requests to each individual insurance coverage company.

To enter your information into the quoting system, click here to open in new window.

One minor caviat to using this type of form is you cannot specify the companies you want to price. So if you want to choose specific providers to receive pricing from, we put together a list of low cost insurance coverage companies in your area. Click here for list of insurance companies.

You can use whichever method you prefer to find lower rates, just try to keep the same coverage limits and deductibles on every price quote you get. If your comparisons have different values for each quote it will be very difficult to decipher which rate is best. Just slight variations in insurance coverages or limits may result in large price differences. And when comparing insurance coverage rates, know that making a lot of price comparisons will enable you to find more affordable insurance. Not every company allows you to get rate quotes online, so you should also compare price quotes from the smaller companies as well.

Tailor your insurance coverage coverage to you

When choosing the best insurance coverage coverage, there is no best way to insure your cars. Everyone’s situation is a little different.

For instance, these questions may help highlight whether you will benefit from professional help.

  • Should I put collision coverage on all my vehicles?
  • How can I get high-risk coverage after a DUI?
  • Am I getting all the discounts available?
  • Can I get a multi-policy discount?
  • What are the best liability limits?
  • How does medical payments coverage work?
  • What is the ISO rating for a 1995 Toyota Celica?

If you’re not sure about those questions but one or more may apply to you, you might consider talking to an agent. To find lower rates from a local agent, simply complete this short form.

Auto insurance coverage breakdown

Learning about specific coverages of your auto insurance policy aids in choosing which coverages you need at the best deductibles and correct limits. Policy terminology can be impossible to understand and even agents have difficulty translating policy wording.

Collision insurance

This covers damage to your Celica resulting from colliding with an object or car. You first must pay a deductible and then insurance will cover the remainder.

Collision can pay for things such as sideswiping another vehicle, crashing into a building, backing into a parked car, driving through your garage door and rolling your car. Collision is rather expensive coverage, so consider dropping it from vehicles that are older. You can also bump up the deductible to save money on collision insurance.

Comprehensive protection

This coverage pays for damage that is not covered by collision coverage. A deductible will apply then your comprehensive coverage will pay.

Comprehensive can pay for claims such as hail damage, damage from flooding, damage from a tornado or hurricane and hitting a bird. The highest amount your auto 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.

Uninsured or underinsured coverage

Your UM/UIM coverage provides protection when other motorists do not carry enough liability coverage. Covered losses include injuries to you and your family as well as your vehicle’s damage.

Since many drivers only purchase the least amount of liability that is required, their liability coverage can quickly be exhausted. So UM/UIM coverage is a good idea. Most of the time the UM/UIM limits are set the same as your liablity limits.

Medical expense coverage

Medical payments and Personal Injury Protection insurance provide coverage for short-term medical expenses for things like hospital visits, doctor visits, funeral costs and dental work. They are utilized in addition to your health insurance plan or if you are not covered by health insurance. It covers you and your occupants in addition to being hit by a car walking across the street. Personal injury protection coverage is only offered in select states but can be used in place of medical payments coverage

Liability coverage

This coverage can cover damage that occurs to people or other property by causing an accident. This coverage protects you from claims by other people. It does not cover your injuries or vehicle damage.

It consists of three limits, per person bodily injury, per accident bodily injury, and a property damage limit. Your policy might show liability limits of 50/100/50 which stand for a limit of $50,000 per injured person, a per accident bodily injury limit of $100,000, and a limit of $50,000 paid for damaged property. Some companies may use a combined limit which combines the three limits into one amount with no separate limits for injury or property damage.

Liability coverage pays for claims like funeral expenses, bail bonds, medical services, structural damage and legal defense fees. The amount of liability coverage you purchase is a decision to put some thought into, but buy as high a limit as you can afford.