2004 Toyota Celica Insurance Quotes

Looking for cheaper auto insurance rates? Shoppers have lots of choices when shopping for the lowest priced Toyota Celica insurance. They can either waste time calling around trying to get quotes or save time using the internet to find the lowest rates. There are more efficient ways to compare auto insurance rates and we’ll show you the proper way to quote coverages for your Toyota and locate the best price possible from both online companies and local agents.

It’s a good idea to get comparison quotes periodically because auto insurance rates are variable and change quite frequently. Even if you got the best rate on Celica coverage two years ago you may be paying too much now. There is a lot of bad information regarding auto insurance online, but you can learn some great ways to buy auto insurance cheaper.

The method we recommend to compare car insurance company rates is to know most insurance companies participate in online systems to provide you with free rate quotes. To begin a comparison, all you need to do is provide a little information like if you have an active license, how much you drive, whether you are married, and if you went to college. Your information is instantly sent to multiple top-rated companies and you receive quotes with very little delay.

If you would like to start a quote now, click here and enter your coverage details.

You may qualify for discounts

Insurance can be prohibitively expensive, but discounts can save money and there are some available to help bring down the price. Some of these disounts will be visible when you get a quote, but some must be asked for before you get the savings. If you are not receiving all the discounts available, you’re paying more than you need to.

  • Discounts for Safe Drivers – Insureds who avoid accidents could pay up to 40% less on Celica coverage compared to rates paid by drivers with frequent claims.
  • Senior Citizens – If you qualify as a senior citizen, you can get better insurance coverage rates on Celica coverage.
  • Smart Student Discounts – Maintaining excellent grades can get you a discount of up to 25%. You can use this discount normally up until you turn 25.
  • College Student – Youth drivers living away from home attending college and don’t have a car may be able to be covered for less.
  • Payment Discounts – If you can afford to pay the entire bill rather than spreading payments over time you may reduce your total bill.
  • Theft Prevention System – Cars and trucks equipped with anti-theft or alarm systems are less likely to be stolen so companies will give you a small discount.
  • Waiver for an Accident – This one isn’t a discount, but a handful of insurance companies will turn a blind eye to one accident without raising rates as long as you don’t have any claims for a certain period of time.
  • Low Mileage Discounts – Low mileage vehicles could earn better insurance coveragerates on cars that stay parked.

Policy discounts save money, but most discounts do not apply to the entire cost. Most only apply to specific coverage prices like collision or personal injury protection. So despite the fact that it appears all the discounts add up to a free policy, it’s just not the way it works.

A list of companies and their possible discounts can be read below.

  • American Family has discounts for mySafetyValet, good driver, early bird, air bags, Steer into Savings, and bundled insurance.
  • Nationwide offers discounts for accident-free, business or organization, good student, anti-theft, defensive driving, easy pay, and multi-policy.
  • MetLife may offer discounts for good student, defensive driver, accident-free, claim-free, multi-policy, and good driver.
  • 21st Century may have discounts that include air bags, driver training, anti-lock brakes, good student, and 55 and older.
  • Farmers Insurance includes discounts for good student, alternative fuel, distant student, business and professional, early shopping, and youthful driver.
  • Allstate discounts include senior citizen, premier discount, eSmart discount, EZ pay plan discount, multi-policy, anti-lock brakes, and passive restraint.

It’s a good idea to ask every insurance company what discounts are available to you. A few discounts may not apply to policies in every state. To see a list of insurance coverage companies that offer multiple discounts, click this link.

There’s no such thing as the perfect auto insurance policy

When it comes to choosing proper insurance coverage, there isn’t really a perfect coverage plan. Each situation is unique.

Here are some questions about coverages that may help you determine whether your personal situation would benefit from an agent’s advice.

  • Do I need higher collision deductibles?
  • How can I find cheaper teen driver insurance?
  • At what point should I drop full coverage?
  • Does my medical payments coverage pay my health insurance deductible?
  • Can I still get insurance after a DUI?
  • Will my insurance pay for OEM parts?
  • Are there companies who specialize in insuring high-risk drivers?
  • Is my 2004 Toyota Celica covered for flood damage?
  • When would I need additional glass coverage?

If you can’t answer these questions, then you may want to think about talking to an agent. If you don’t have a local agent, simply complete this short form. It’s fast, free and can help protect your family.

Car insurance coverage specifics

Learning about specific coverages of your policy aids in choosing the right coverages and the correct deductibles and limits. The coverage terms in a policy can be confusing and nobody wants to actually read their policy.

Liability car insurance – This coverage will cover damage that occurs to other’s property or people by causing an accident. This coverage protects you from claims by other people, and does not provide coverage for your injuries or vehicle damage.

It consists of three limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. As an example, you may have values of 100/300/100 that translate to a limit of $100,000 per injured person, a limit of $300,000 in injury protection per accident, and a total limit of $100,000 for damage to vehicles and property.

Liability insurance covers things like emergency aid, repair costs for stationary objects and funeral expenses. How much liability should you purchase? That is up to you, but buy as large an amount as possible.

Protection from uninsured/underinsured drivers – This gives you protection from other motorists when they are uninsured or don’t have enough coverage. It can pay for medical payments for you and your occupants and damage to your Toyota Celica.

Since many drivers only purchase the least amount of liability that is required, it only takes a small accident to exceed their coverage. This is the reason having UM/UIM coverage is very important.

Collision – Collision insurance will pay to fix damage to your Celica caused by collision with an object or car. You first must pay a deductible and the rest of the damage will be paid by collision coverage.

Collision coverage pays for claims such as sideswiping another vehicle, colliding with a tree, backing into a parked car and scraping a guard rail. This coverage can be expensive, so consider dropping it from older vehicles. Another option is to raise the deductible to bring the cost down.

Comprehensive (Other than Collision) – This coverage will pay to fix damage that is not covered by collision coverage. You first have to pay a deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage pays for claims such as fire damage, a broken windshield, damage from flooding and falling objects. The most your car insurance company will pay is the cash value of the vehicle, so if it’s not worth much more than your deductible it’s not worth carrying full coverage.

Medical expense insurance – Coverage for medical payments and/or PIP kick in for expenses like dental work, surgery, funeral costs and nursing services. They are often utilized in addition to your health insurance policy or if you lack health insurance entirely. It covers not only the driver but also the vehicle occupants in addition to if you are hit as a while walking down the street. Personal Injury Protection is not available in all states but can be used in place of medical payments coverage