Save on 1999 Toyota Sienna Car Insurance Quotes

Having to pay for overpriced insurance coverage can sap your savings account and make it tough to pay other bills. Performing a price comparison is free and is an excellent way to make sure you’re not throwing money away.

Online insurance companies like Allstate, Liberty Mutual and State Farm all claim big savings with TV and radio ads and it can be hard to see past the corporate glitz and effectively compare rates to find the best deal.

If you are insured now or are shopping for new coverage, you can use these tips to get lower rates while maximizing coverage. Finding affordable coverage is quite easy. Consumers only need to know the proper methods to get comparison rates on the web.

Insurance quotes comparison

There are a variety of methods you can shop for insurance but some are less time-consuming than others. You could spend the better part of a day discussing policy coverages with agents in your area, or you can stay home and use the internet to get rate comparisons in just a few minutes.

The majority of car insurance companies enroll in a system that allows shoppers to send in one quote, and each company then returns a price quote. This saves time by eliminating form submissions to each company.

To find out how much you’re overpaying now click to open in new window.

The one downside to doing it this way is that consumers can’t choose which insurance companies you want to price. So if you prefer to pick individual companies for rate comparison, we put together a list of the cheapest insurance companies in your area. View list of insurance companies.

It’s up to you how you get prices quotes, just be sure you’re using the exact same coverage data on every price quote you get. If you enter mixed coverages it will be nearly impossible to decipher which rate is best.

Find hidden discounts on insurance coverage

Companies do not advertise all their discounts very clearly, so we researched both well-publicized in addition to some of the lesser obvious credits that you can use to lower your rates.

  • Own a Home and Save – Owning a house can earn you a little savings because maintaining a house demonstrates responsibility.
  • Discounts for Government Workers – Being employed by or retired from a federal job could qualify for a slight premium decrease on Sienna insurance depending on your company.
  • Discounts for Good Drivers – Insureds without accidents may receive a discount up to 45% on Sienna insurance as compared to drivers with claims.
  • Anti-theft System – Cars equipped with anti-theft or alarm systems are stolen less frequently and will qualify for a discount on a insurance quote.
  • Bundle and Save – When you combine your auto and home insurance and place coverage with the same company they may give you a discount of at least 10 to 15 percent or more.
  • Multi-car Discount – Purchasing coverage when you have multiple cars or trucks on a single policy can reduce the rates for all insured vehicles.
  • Discount for Good Grades – Performing well in school may save as much as 25% on a insurance quote. You can use this discount normally well after school through age 25.

A quick disclaimer, many deductions do not apply to the entire cost. The majority will only reduce individual premiums such as collision or personal injury protection. Even though it may seem like you could get a free insurance coverage policy, that’s just not realistic.

For a list of insurers offering insurance coverage discounts, follow this link.

Why your insurance premiums might be higher

Lots of factors are part of the equation when you quote your car insurance policy. Some are pretty understandable such as your driving record, but other criteria are not as apparent like your continuous coverage or your vehicle rating.Consumers need to have an understanding of the rating factors that come into play when calculating your insurance rates. If you have a feel for what determines premiums, this helps enable you to make changes that may reward you with lower insurance prices.

The following are some of the things used by companies to determine premiums.

  • Drive less and get lower costs – The higher the miles on your Toyota in a year the higher the price you pay to insure it. A lot of insurance companies apply a rate based on their usage. Cars that sit idle most of the time receive lower rates than those used for commuting. Double check that your declarations sheet correctly shows annual mileage, because it can save money. Having an incorrect usage rating on your Sienna is throwing money out the window.
  • Avoid traffic tickets – Your driving record impacts premiums far more than you think. Even one speeding ticket may increase your cost by as much as thirty percent. Drivers who don’t get tickets pay lower auto insurance prices than their less careful counterparts. People who have dangerous violations like reckless driving or DUI may find they need to submit a SR-22 form with their state in order to drive a vehicle legally.
  • Insurance rates and vocation – Careers such as military personnelair traffic controllers and stock brokers generally pay higher premiums than the average policyholder because of intense work-related stress and lots of time spent at work. Conversely, occupations such as professors, athletes and performers pay lower than average rates on Sienna insurance.
  • Bad credit hurts insurance prices – A driver’s credit score can be a huge factor in determining your rates. Consumers who have excellent credit tend to be more responsible and file fewer claims as compared to drivers with lower credit ratings. Therefore, if your credit history is low, you could be paying less to insure your 1999 Toyota Sienna by improving your rating.
  • Keep insurance rates low by being claim-free – If you are a frequent claim filer, you can definitely plan on increased rates or even have your policy non-renewed. Car insurance companies give the lowest premiums to drivers who do not file claims often. Auto insurance is intended for the large, substantial claims.
  • Cars with good safety ratings cost less to insure – Safer cars tend to have lower insurance rates. Highly rated vehicles help reduce the chance of injuries in an accident and fewer serious injuries means lower claim amounts which can mean better rates for you. If your Toyota Sienna is rated at least four stars on Safercar.gov or an “acceptable” rating on iihs.org you may qualify for a discount.

Tailor your auto insurance coverage to you

When it comes to choosing adequate coverage, there really is no single plan that fits everyone. Everyone’s situation is unique so this has to be addressed. For instance, these questions can aid in determining whether you may require specific advice.

  • Is business equipment covered while in my vehicle?
  • What exactly is covered by my policy?
  • Do I need added coverage for expensive stereo equipment?
  • Do I need higher collision deductibles?
  • Am I covered by my employer’s commercial auto policy when driving my personal car for business?
  • Should I get collision insurance on every vehicle?

If you’re not sure about those questions but you think they might apply to your situation then you might want to talk to a licensed insurance agent. To find lower rates from a local agent, take a second and complete this form or you can go here for a list of companies in your area. It is quick, free and can provide invaluable advice.

Do drivers who switch really save?

Consumers constantly see and hear ads for cheaper insurance by companies like Progressive, GEICO, Allstate and State Farm. All the companies make the same claim that you can save if you just switch to them.

It sounds good, but how can they all make almost identical claims? It’s all in how they say it.

Insurance companies quote the lowest rates for the right customer that will not have excessive claims. An example of a desirable insured could possibly be a mature driver, carries high limits, and has excellent credit. Anyone that hits that “sweet spot” is entitled to the best price as well as save when they switch companies.

Insureds who do not meet those standards may be required to pay more expensive rates and this can result in the customer buying from someone else. The ads state “customers that switch” not “everybody who quotes” save money. That’s the way companies can truthfully claim big savings. Because each company has a different risk profile, drivers must get insurance quotes as often as possible. You cannot predict with any certainty which company will have the best car insurance rates at this point in time.

Information about specific coverages

Understanding the coverages of insurance can help you determine the right coverages at the best deductibles and correct limits. Insurance terms can be ambiguous and coverage can change by endorsement. Shown next are the normal coverages found on most insurance policies.

Liability coverages

This provides protection from damage or injury you incur to people or other property that is your fault. It protects YOU from legal claims by others, and doesn’t cover damage sustained by your vehicle in an accident.

Liability coverage has three limits: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You commonly see values of 25/50/25 which stand for $25,000 bodily injury coverage, a total of $50,000 of bodily injury coverage per accident, and property damage coverage for $25,000.

Liability insurance covers claims such as loss of income, bail bonds, medical services and structural damage. How much coverage you buy is up to you, but buy as much as you can afford.

Comprehensive coverage (or Other than Collision)

This coverage pays for damage caused by mother nature, theft, vandalism and other events. You first have to pay a deductible and then insurance will cover the rest of the damage.

Comprehensive coverage protects against claims like theft, a tree branch falling on your vehicle, falling objects, damage from flooding and vandalism. The highest amount a insurance company will pay at claim time is the actual cash value, so if the vehicle is not worth much consider removing comprehensive coverage.

Uninsured Motorist or Underinsured Motorist insurance

This coverage provides protection from other drivers when they are uninsured or don’t have enough coverage. This coverage pays for medical payments for you and your occupants and damage to your Toyota Sienna.

Since many drivers carry very low liability coverage limits, their limits can quickly be used up. For this reason, having high UM/UIM coverages is important protection for you and your family.

Insurance for medical payments

Med pay and PIP coverage kick in for expenses like chiropractic care, surgery and prosthetic devices. They are often used to fill the gap from your health insurance policy or if there is no health insurance coverage. Coverage applies to not only the driver but also the vehicle occupants in addition to getting struck while a pedestrian. Personal Injury Protection is not an option in every state and gives slightly broader coverage than med pay

Collision protection

Collision coverage pays for damage to your Sienna caused by collision with another car or object. You will need to pay your deductible and then insurance will cover the remainder.

Collision coverage pays for things such as driving through your garage door, colliding with a tree, sideswiping another vehicle, hitting a mailbox and colliding with another moving vehicle. Collision is rather expensive coverage, so consider removing coverage from lower value vehicles. Another option is to increase the deductible to bring the cost down.

Be a penny pincher

There are still a few companies who may not provide online price quotes smaller providers work with independent insurance agents. Budget-friendly insurance coverage is possible both online and with local insurance agents, so compare prices from both to have the best chance of lowering rates.

As you go through the steps to switch your coverage, it’s not a good idea to reduce needed coverages to save money. There have been many cases where someone sacrificed uninsured motorist or liability limits only to regret at claim time that the savings was not a smart move. Your aim should be to find the BEST coverage at the lowest possible cost.

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