Cheap 1998 Toyota Sienna Insurance Rates

Want the cheapest insurance coverage rates for your Toyota Sienna? Trying to find the cheapest insurance for a new or used Toyota Sienna could be an all-consuming task, but you can follow our insurance coverage buying tips to save time. There is a right way and a wrong way to shop for insurance coverage and you need to know the best way to price shop coverage for your Toyota and locate the cheapest rates.

You should make it a habit to quote other rates every six months because prices are constantly changing. Even if you think you had the lowest rate for Sienna coverage on your last policy you can probably find a lower rate today. Ignore everything you know about insurance coverage because you’re going to get a crash course in how to use online quotes to reduce your cost while increasing coverage.

How to buy insurance online

Most companies provide price estimates from their websites. Comparing prices online doesn’t take much effort as you simply enter the amount of coverage you want into the form. Once entered, their quoting system makes automated requests for your driving and credit reports and gives you a price quote based on the data you entered.

Quoting online makes comparing rates easy, but the process of having to visit different websites and type in the same data is monotonous and tiresome. But it is imperative to perform this step if you want to get lower prices.

There is an easier way to compare rates

A better way to compare rates uses one form to obtain quotes from more than one company. This type of form saves time, reduces the work, and makes online shopping much simpler. Once the form is submitted, your coverage is rated and you are able to buy any of the quotes returned. If the quotes result in lower rates, you can simply submit the application and purchase coverage. The entire process takes less than 15 minutes and you will know how your current rates stack up.

If you want to find out how much you can save on insurance, simply click here to open in new window and begin entering your coverage information. If you have a policy now, it’s recommended you type in the coverages as close as possible to your current policy. This way, you are getting comparison quotes using the same coverage and limits.

Will you really save $442 on insurance coverage?

Consumers can’t escape the ads for cheaper insurance coverage from companies such as Allstate and Progressive. All the ads advertise the message that you can save after switching your coverage to them.

But how can every company have lower policy pricing? Just pay attention to how they say it.

Companies have a preferred profile for the type of driver that earns them a profit. A good example of a preferred risk could be a mature driver, has no tickets, and has excellent credit. Any driver that meets those criteria receives the best prices and will save some money.

Potential insureds who fall short of these criteria will be quoted higher rates which translates to the prospect going elsewhere. The ads state “people that switch” but not “all drivers who get quotes” save the amount stated. That’s the way insurance companies can state the savings. Because of these techniques, you really should do a quote comparison often. It’s impossible to know which company will give you the biggest savings.

Take policy discounts and save

Some providers do not list every discount they offer in a way that’s easy to find, so we took the time to find both the well known and also the lesser-known credits that you can use to lower your rates.

  • Anti-theft Discount – Anti-theft and alarm system equipped vehicles help deter theft and will save you 10% or more.
  • Active Military Service – Being on active duty in the military may qualify for rate reductions.
  • Paperless Signup – Some of the larger companies will discount your bill up to fifty bucks for buying your policy on their website.
  • Include Life Insurance and Save – Not all insurance companies offer life insurance, but some may give you better rates if you take out some life insurance too.
  • Responsible Driver Discounts – Drivers who don’t get into accidents may save up to 50% more for Sienna coverage than drivers with accidents.
  • ABS Brakes – Cars and trucks equipped with ABS or steering control are safer to drive and therefore earn up to a 10% discount.
  • Employee of Federal Government – Active or retired federal employment could provide a small rate reduction for Sienna coverage with certain companies.
  • First Accident Forgiveness – Not necessarily a discount, but a handful of insurance companies allow you one accident before your rates go up if you have no claims before the accident.

One last thing about discounts, most discount credits are not given to your bottom line cost. Some only reduce the cost of specific coverages such as medical payments or collision. So even though you would think it’s possible to get free car insurance, companies wouldn’t make money that way.

A few of the larger companies and a selection of discounts are outlined below.

  • AAA may have discounts that include anti-theft, education and occupation, pay-in-full, multi-car, and multi-policy.
  • Progressive offers discounts for good student, multi-vehicle, online quote discount, online signing, continuous coverage, multi-policy, and homeowner.
  • State Farm has savings for passive restraint, good driver, accident-free, good student, and multiple autos.
  • Esurance may include discounts for Switch & Save, homeowner, claim free, DriveSense, anti-theft, online quote, and good driver.
  • Nationwide discounts include business or organization, good student, defensive driving, anti-theft, accident-free, family plan, and easy pay.

When getting a coverage quote, ask all companies you are considering which discounts they offer. Some discounts might not apply everywhere.

Which policy gives me the best coverage?

When it comes to choosing the best insurance coverage coverage for your personal vehicles, there is no “best” method to buy coverage. Every situation is different.

For example, these questions can help discover whether you may require specific advice.

  • What vehicles should carry emergency assistance coverage?
  • Can I rate high risk drivers on liability-only vehicles?
  • Should I have combined single limit or split liability limits?
  • Do I need PIP coverage since I have good health insurance?
  • Can I afford low physical damage deductibles?
  • How much liability coverage do I need in my state?

If you don’t know the answers to these questions but you think they might apply to your situation, you might consider talking to a licensed insurance agent. If you want to speak to an agent in your area, fill out this quick form. It is quick, free and can provide invaluable advice.

Specific coverages for a 1998 Toyota Sienna

Learning about specific coverages of your insurance policy helps when choosing appropriate coverage and proper limits and deductibles. The terms used in a policy can be difficult to understand and reading a policy is terribly boring.

UM/UIM Coverage

This protects you and your vehicle from other motorists when they either have no liability insurance or not enough. This coverage pays for injuries to you and your family as well as damage to your 1998 Toyota Sienna.

Due to the fact that many drivers carry very low liability coverage limits, it doesn’t take a major accident to exceed their coverage limits. For this reason, having high UM/UIM coverages is a good idea.

Comprehensive or Other Than Collision

Comprehensive insurance pays for damage caused by mother nature, theft, vandalism and other events. You need to pay your deductible first and then insurance will cover the rest of the damage.

Comprehensive can pay for claims such as fire damage, hitting a deer and falling objects. The highest amount a insurance company will pay at claim time is the cash value of the vehicle, so if your deductible is as high as the vehicle’s value consider dropping full coverage.

Collision coverage

This pays for damage to your Sienna resulting from colliding with another car or object. You first must pay a deductible and then insurance will cover the remainder.

Collision can pay for things such as driving through your garage door, damaging your car on a curb and hitting a parking meter. Paying for collision coverage can be pricey, so analyze the benefit of dropping coverage from lower value vehicles. Another option is to bump up the deductible to bring the cost down.

Auto liability

This can cover damage or injury you incur to people or other property. It protects YOU against claims from other people. Liability doesn’t cover your own vehicle damage or injuries.

Liability coverage has three limits: per person bodily injury, per accident bodily injury, and a property damage limit. As an example, you may have values of 50/100/50 that translate to $50,000 in coverage for each person’s injuries, a per accident bodily injury limit of $100,000, and property damage coverage for $50,000.

Liability can pay for claims such as attorney fees, medical expenses, structural damage, repair costs for stationary objects and court costs. How much liability should you purchase? That is a decision to put some thought into, but buy higher limits if possible.

Medical costs insurance

Medical payments and Personal Injury Protection insurance pay for bills like dental work, rehabilitation expenses, X-ray expenses and pain medications. They are often used to cover expenses not covered by your health insurance policy or if you are not covered by health insurance. They cover all vehicle occupants in addition to getting struck while a pedestrian. Personal injury protection coverage is not available in all states and gives slightly broader coverage than med pay

Quote often and quote early

Cheaper 1998 Toyota Sienna insurance can be sourced both online and from local insurance agents, so you need to shop insurance coverage with both to have the best rate selection. There are still a few companies who do not offer online rate quotes and these regional carriers only sell through local independent agencies.

We covered a lot of tips how to save on 1998 Toyota Sienna insurance. It’s most important to understand that the more you quote insurance coverage, the better chance you’ll have of finding cheap insurance coverage. Consumers may even find the lowest priced insurance comes from the smaller companies.

Insureds leave their current company for a variety of reasons including questionable increases in premium, being labeled a high risk driver, poor customer service or high rates after DUI convictions. Whatever your reason, finding a great new company is not as hard as you think.

To read more, feel free to browse the resources below: