Cheap 1997 Toyota Celica Insurance Rates

Looking for cheaper car insurance rates for your Toyota Celica? No sane person likes having to buy car insurance, especially knowing their premiums are too high. Due to the fact that there are so many companies and agents to choose from, it can be impossible to choose the most cost effective car insurance provider.

Finding the best rates is not rocket science. If you have car insurance now, you stand a good chance to be able to cut costs considerably using this strategy. Drivers only need an understanding of the tricks to find the lowest price over the internet.

Buy insurance coverage online

There are a variety of methods to compare insurance coverage prices but one way is more efficient than others. You could spend the better part of a day discussing policy coverages with insurance agencies in your area, or you could save time and use online quoting to get rate comparisons in just a few minutes.

Many popular insurance companies are enrolled in a marketplace where insurance shoppers only type in their quote data once, and each participating company returns a rated price based on that information. This saves time by eliminating quote forms for every insurance coverage company. To participate in this free quote system, click here to start a free quote.

The only drawback to pricing coverage this way is you can’t choose which providers you want pricing from. So if you want to choose specific providers to request quotes from, we put together a list of the cheapest insurance coverage companies in your area. Click here for list of insurance companies.

The approach you take is up to you, just ensure you are comparing exactly the same coverages for each comparison quote. If each company quotes different coverage information it will be nearly impossible to get a fair rate comparison.

Save $488 a year? Really?

Consumers can’t avoid all the ads for the lowest price auto insurance from the likes of Progressive, Allstate and GEICO. They all seem to make the same claim that you’ll save big just by moving your policy.

But how can every company make almost identical claims? This is the trick they use.

Different companies have specific guidelines for the driver that will generate a profit. One example of a profitable risk profile may need to be over age 30, insures multiple vehicles, and the vehicle is rated for pleasure use. A customer that hits that “sweet spot” may get the lowest prices and most likely will save a lot of money.

Consumers who fall outside those standards will probably have to pay a more expensive rate and this can result in the prospect going elsewhere. The wording the ads use say “customers who switch” but not “all drivers who get quotes” can save as much as they claim. That’s the way companies can truthfully make those claims. Each company has different criteria, so you absolutely need to get insurance quotes from several different companies. It’s impossible to know with any certainty which company will have the lowest rates.

Six factors that determine insurance prices

Lots of factors are considered when you get your auto insurance bill. Some are obvious like an MVR report, but other criteria are more transparent like your continuous coverage or how financially stable you are.An important part of buying insurance is that you know the rating factors that go into determining insurance coverage rates. If you have a feel for what impacts premium levels, this allows you to make good choices that can help you get cheaper rates.

  • When should you not file a policy claims? – If you tend to file frequent claims, you can look forward to higher premiums or even policy non-renewal. Auto insurance companies provide the lowest premiums to people who only file infrequent claims. Your car insurance is designed for the large, substantial claims.
  • High credit scores equal low prices – Credit rating is a large factor in your rate calculation. People that have excellent credit tend to file fewer claims than those with lower credit ratings. If your credit history can use some improvement, you could pay less to insure your 1997 Toyota Celica by improving your rating.
  • Gender as a rate factor – Over time, data shows that females tend to be a little less risky than males. However, this does not mean females are better drivers. Males and females tend to get into accidents at about the same rate, but the male of the species get into accidents with more damage. Not only are claims higher, but men receive more costly citations such as DWI and reckless driving.
  • How much liability insurance – Liability coverage is the coverage that protects you if you are ruled to be at fault for personal injury or accident damage. Liability insurance provides for a legal defense up to the limits shown on your policy. This coverage is very inexpensive compared to physical damage coverage, so buy as much as you can afford.
  • Cut rates and deter theft – Owning a car with anti-theft technology or alarm system can earn a premium discount. Systems that thwart theives like vehicle immobilizer systems, OnStar, and tracking devices like LoJack all help prevent vehicle theft.
  • Expect high rates for teens – Drivers with little experience tend to get distracted easily behind the wheel and because of this, their insurance coverage rates are much higher. Older drivers are more cautious drivers, cost insurance companies less in claims and are safer drivers.

Double check you’re getting with these discounts

Some insurers do not advertise all possible discounts in a way that’s easy to find, so the list below details both the well known as well as the least known insurance coverage savings.

  • Driver Education Discount – Have your child successfully complete driver’s ed class if offered at their school.
  • Early Switch Discount – A few larger companies give discounts for signing up before your current coverage expires. You could save around 10% when you buy insurance online.
  • Seat Belt Discounts – Buckling up and requiring all passengers to buckle their seat belts could cut 10% or more off the personal injury premium cost.
  • Bundle and Save – When you combine your auto and homeowners insurance with the same insurance company you may save up to 20% off your total premium.
  • Payment Discounts – By making one initial payment rather than paying monthly you could save 5% or more.
  • Low Miles Discount – Driving less may enable drivers to earn slightly better insurance coveragerates than normal.
  • Discount for Home Ownership – Just being a homeowner can save a few bucks due to the fact that maintaining a home requires personal responsibility.

Discounts lower rates, but most of the big mark downs will not be given to the entire policy premium. Some only apply to individual premiums such as physical damage coverage or medical payments. So even though they make it sound like you would end up receiving a 100% discount, companies wouldn’t make money that way.

If you would like to choose from a list of companies who offer free insurance coverage quotes, click this link.

Your situation helps dictate your coverage

When it comes to choosing coverage, there is no one size fits all plan. Every insured’s situation is different so your insurance needs to address that. For instance, these questions might point out if you could use an agent’s help.

  • Do all my vehicles need collision coverage?
  • What is medical payments coverage?
  • How can I force my company to pay a claim?
  • Will I lose any money if I cancel my policy before it expires?
  • Can I rate high risk drivers on liability-only vehicles?
  • Does coverage extend to my business vehicle?
  • Does my 1997 Toyota Celica qualify for pleasure use?
  • How can I get high-risk coverage after a DUI?
  • What is the rate difference between pleasure use and commuting?

If you can’t answer these questions but a few of them apply, you might consider talking to an agent. If you want to speak to an agent in your area, complete this form or click here for a list of auto insurance companies in your area. It’s fast, free and can help protect your family.

Car insurance coverages for a 1997 Toyota Celica

Learning about specific coverages of your policy can help you determine appropriate coverage for your vehicles. Policy terminology can be confusing and coverage can change by endorsement. Listed below are the usual coverages found on most auto insurance policies.

Collision coverages – Collision coverage will pay to fix damage to your Celica from colliding with an object or car. A deductible applies then your collision coverage will kick in.

Collision insurance covers claims like backing into a parked car, colliding with another moving vehicle, scraping a guard rail, driving through your garage door and sustaining damage from a pot hole. Collision is rather expensive coverage, so consider dropping it from vehicles that are older. Another option is to increase the deductible in order to get cheaper collision rates.

Liability car insurance – This coverage can cover damage that occurs to people or other property by causing an accident. This coverage protects you against claims from other people. Liability doesn’t cover damage to your own property or vehicle.

Coverage consists of three different limits, per person bodily injury, per accident bodily injury, and a property damage limit. Your policy might show liability limits of 25/50/25 which stand for a limit of $25,000 per injured person, a total of $50,000 of bodily injury coverage per accident, and property damage coverage for $25,000.

Liability coverage pays for claims like medical services, loss of income and court costs. How much liability coverage do you need? That is up to you, but it’s cheap coverage so purchase as high a limit as you can afford.

Uninsured and underinsured coverage – Your UM/UIM coverage protects you and your vehicle’s occupants from other motorists when they either have no liability insurance or not enough. Covered losses include injuries to you and your family as well as damage to your Toyota Celica.

Because many people only carry the minimum required liability limits, their liability coverage can quickly be exhausted. So UM/UIM coverage is a good idea.

Comprehensive coverages – This 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 insurance covers things such as damage from getting keyed, rock chips in glass, vandalism and a tree branch falling on your vehicle. The maximum amount a auto insurance company will pay at claim time is the ACV or actual cash value, so if the vehicle’s value is low it’s not worth carrying full coverage.

Coverage for medical payments – Medical payments and Personal Injury Protection insurance reimburse you for bills like rehabilitation expenses, nursing services, pain medications and X-ray expenses. They are used in conjunction with a health insurance policy or if you do not have health coverage. Coverage applies to not only the driver but also the vehicle occupants in addition to if you are hit as a while walking down the street. PIP coverage is not available in all states and gives slightly broader coverage than med pay

Save for a rainy day

When shopping online for insurance coverage, don’t be tempted to buy lower coverage limits just to save a few bucks. There have been many cases where an insured dropped collision coverage and found out when filing a claim that saving that couple of dollars actually costed them tens of thousands. The goal is to purchase plenty of coverage for the lowest cost, but do not sacrifice coverage to save money.

We’ve covered some good ideas how you can reduce 1997 Toyota Celica insurance car insurance rates online. It’s most important to understand that the more companies you get premium rates for, the higher your chance of finding inexpensive insurance. Consumers could even find that the biggest savings come from the least-expected company. These companies may often insure only within specific states and give getter rates than their larger competitors like Allstate and Progressive.

Much more information about insurance coverage is located below: