Lower Your 2000 Toyota Celica Insurance Quotes

Searching for lower car insurance rates for your Toyota Celica? If you’re searching for lower-priced insurance online, do you get frustrated by the wide range of car insurance companies in your area? Lot’s of other people are too. There are so many companies available that it can really be a difficult challenge to lower your premium rates.

It’s a good habit to check car insurance prices quite often because car insurance prices change frequently. If you had the lowest price on Celica insurance last year you may be paying too much now. Forget anything you know (or think you know) about car insurance because you’re about to find out the best way to eliminate unnecessary coverages and save money.

How to get insurance coverage quotes

There are multiple methods to compare insurance coverage prices but one way is easier and takes less work. You could waste time driving to agents in your area, or you can utilize online quoting to get the quickest rates.

Many insurance companies are enrolled in a marketplace where prospective buyers only type in their quote data once, and each participating company can provide price quotes based on that information. This eliminates the need for quote requests for each company. To participate in this free quote system, click here (opens in new window).

The one disadvantage to doing it this way is that you can’t choose which carriers you want pricing from. So if you prefer to choose individual companies to request quotes from, we have a listing of the cheapest insurance coverage companies in your area. Click to view list.

It doesn’t matter which method you choose, just ensure you are comparing the same coverage limits and deductibles on every quote you get. If you use different deductibles it’s impossible to get a fair rate comparison. Just slight variations in insurance coverages may result in a large different in cost. And when comparison shopping, comparing a wide range of rates provides better odds of finding more affordable insurance.

These discounts can lower auto insurance rates

Car insurance companies don’t necessarily list all disounts in an easy-to-find place, so the list below contains some of the more common and the more hidden credits that you can use to lower your rates. If you check and find you aren’t receiving every discount available, you are throwing money away.

  • Braking Control Discount – Cars equipped with ABS or steering control are much safer to drive and therefore earn up to a 10% discount.
  • Buy New and Save – Buying insurance coverage on a new vehicle can get you a discount because newer models are generally safer.
  • Good Student – Maintaining excellent grades may save you up to 25%. This discount can apply up to age 25.
  • Homeowners Savings – Simply owning a home can save a few bucks because of the fact that having a home requires personal responsibility.
  • Paper-free Discount – Some of the larger companies will provide an incentive shop insurance coverage on their website.

Discounts lower rates, but some credits don’t apply to your bottom line cost. Most only cut specific coverage prices like physical damage coverage or medical payments. So when the math indicates all those discounts means the company will pay you, insurance companies wouldn’t stay in business.

A few popular companies and some of the discounts are detailed below.

  • GEICO includes discounts for anti-lock brakes, seat belt use, emergency military deployment, driver training, and anti-theft.
  • Travelers offers premium reductions for continuous insurance, IntelliDrive, driver training, new car, early quote, and save driver.
  • Nationwide may offer discounts for anti-theft, multi-policy, defensive driving, good student, family plan, business or organization, and accident-free.
  • Farmers Insurance offers discounts for pay in full, good student, multi-car, business and professional, bundle discounts, and homeowner.
  • Esurance offers discounts including homeowner, multi-policy, multi-car, claim free, Pac-12 alumni, and emergency road assistance.
  • State Farm policyholders can earn discounts including accident-free, student away at school, Drive Safe & Save, multiple policy, passive restraint, multiple autos, and safe vehicle.
  • Progressive may include discounts for multi-vehicle, multi-policy, good student, homeowner, online signing, online quote discount, and continuous coverage.
  • Mercury Insurance has discounts for location of vehicle, age of vehicle, good driver, low natural disaster claims, type of vehicle, good student, and anti-theft.

Double check with every insurance company which discounts you qualify for. Discounts might not be available to policyholders in your area. To see a list of insurance companies that offer some of these discounts, click here to view.

When do I need an agent’s advice?

When buying the best insurance coverage coverage for your personal vehicles, there really is no single plan that fits everyone. Everyone’s situation is unique.

For example, these questions can aid in determining whether or not you might need an agent’s assistance.

  • Does my personal policy cover me when driving out-of-state?
  • Is my 2000 Toyota Celica covered for flood damage?
  • How much can I save by bundling my policies?
  • Is my nanny covered when driving my vehicle?
  • Should I buy only the required minimum liability coverage?
  • Will I lose any money if I cancel my policy before it expires?
  • Is other people’s property covered if stolen from my vehicle?

If you’re not sure about those questions but you think they might apply to your situation, you might consider talking to an agent. To find lower rates from a local agent, complete this form.

How your Celica insurance premiums are determined

Consumers need to have an understanding of the different types of things that play a part in calculating your insurance coverage rates. When you understand what controls the rates you pay, this helps enable you to make changes that can help you get lower insurance coverage prices.

  • Older drivers pay less – Mature drivers are more cautious drivers, file fewer claims , and usually have better credit.Drivers with little experience have been known to be less responsible in a vehicle and because of this, their insurance coverage rates are much higher.
  • Rates can be impacted by your vocation – Careers like lawyers, executives and medical professionals generally pay higher premiums than the average policyholder in part from high stress and extremely grueling work hours. Conversely, careers such as actors, engineers and performers get better rates on Celica insurance.
  • Proper usage rating affects costs – The more miles you rack up on your Toyota annually the higher your rates will be. Almost all companies price each vehicle’s coverage determined by how the vehicle is used. Vehicles that sit idle most of the time receive better premium rates compared to those used for work or business. It’s a smart idea to ensure your insurance coverage declarations sheet properly reflects the right rating data. An incorrectly rated Celica may be wasting your money.
  • Gender matters – The statistics show females are less aggressive when driving. However, this does not mean females are better at driving than males. Both genders have fender benders in similar numbers, but the male of the species cause more damage and cost insurance companies more money. Not only are claims higher, but men get cited for more serious violations like DUI and reckless driving.
  • Cars with good safety ratings save money – Safe vehicles tend to have better insurance rates. Safer cars have better occupant injury protection and any reduction in injury severity translates into fewer and smaller insurance claims and cheaper rates on your policy.

Auto insurance 101

Learning about specific coverages of a auto insurance policy can be of help when determining appropriate coverage and the correct deductibles and limits. Policy terminology can be confusing and even agents have difficulty translating policy wording.

Collision – Collision insurance covers damage to your Celica resulting from a collision with another vehicle or an object, but not an animal. You first must pay a deductible then your collision coverage will kick in.

Collision coverage protects against things such as rolling your car, sustaining damage from a pot hole, backing into a parked car, damaging your car on a curb and hitting a mailbox. This coverage can be expensive, so you might think about dropping it from lower value vehicles. Drivers also have the option to increase the deductible in order to get cheaper collision rates.

Coverage for medical expenses – Coverage for medical payments and/or PIP pay for short-term medical expenses like rehabilitation expenses, surgery and chiropractic care. They are often utilized in addition to your health insurance policy or if there is no health insurance coverage. Coverage applies to both the driver and occupants as well as any family member struck as a pedestrian. Personal injury protection coverage is not universally available and gives slightly broader coverage than med pay

Liability insurance – This can cover injuries or damage you cause to other people or property that is your fault. It protects you from legal claims by others, and doesn’t cover damage to your own property or vehicle.

Split limit liability has three limits of coverage: bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. As an example, you may have liability limits of 25/50/25 that means you have $25,000 in coverage for each person’s injuries, a per accident bodily injury limit of $50,000, and $25,000 of coverage for damaged propery. Some companies may use one number which is a combined single limit that pays claims from the same limit and claims can be made without the split limit restrictions.

Liability coverage pays for claims like loss of income, court costs, repair bills for other people’s vehicles and medical services. How much coverage you buy is a personal decision, but consider buying higher limits if possible.

Comprehensive auto insurance – Comprehensive insurance coverage will pay to fix damage OTHER than collision with another vehicle or object. You first have to pay a deductible then your comprehensive coverage will pay.

Comprehensive can pay for things such as a broken windshield, theft, vandalism and hitting a bird. The maximum payout you can receive from a comprehensive claim is the market value of your vehicle, so if it’s not worth much more than your deductible it’s not worth carrying full coverage.

Coverage for uninsured or underinsured drivers – Uninsured or Underinsured Motorist coverage protects you and your vehicle from other motorists when they either have no liability insurance or not enough. This coverage pays for medical payments for you and your occupants and also any damage incurred to your 2000 Toyota Celica.

Since a lot of drivers only purchase the least amount of liability that is required, it doesn’t take a major accident to exceed their coverage limits. So UM/UIM coverage is a good idea. Most of the time your uninsured/underinsured motorist coverages are identical to your policy’s liability coverage.

Have the Midas touch

Cheap 2000 Toyota Celica insurance can be bought on the web in addition to local insurance agencies, so get free insurance coverage quotes from both of them to have the best rate selection. Some insurance companies do not provide the ability to get a quote online and many times these smaller providers prefer to sell through independent agents.

People change insurance companies for many reasons like poor customer service, lack of trust in their agent, high rates after DUI convictions and denial of a claim. No matter why you want to switch, finding a new company can be easier than you think.

When trying to cut insurance costs, do not buy less coverage just to save a little money. There are a lot of situations where an accident victim reduced uninsured motorist or liability limits to discover at claim time they didn’t purchase enough coverage. Your focus should be to buy enough coverage at the best cost, but do not sacrifice coverage to save money.

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