2013 Toyota Corolla Insurance Quotes – 7 Tips for Cheaper Rates

Looking for better car insurance rates for your Toyota Corolla? Finding better insurance prices for a Toyota Corolla can turn out to be a painful process, but you can learn a few tricks to make it easier. There are both good and bad ways to find car insurance online and we’ll show you the best way to get price quotes for a new or used Toyota and obtain the lowest possible price either online or from local insurance agents.

It’s important to do price comparisons quite often because car insurance prices are usually higher with each renewal. Even if you got the lowest price on Corolla insurance a couple years back you will most likely find a better rate today. You can find a lot of misleading information regarding car insurance out there, but in just a couple of minutes you can learn some good information on how to find cheap car insurance.

If you have a current auto insurance policy or need a new policy, you can use this information to find the best rates while maximizing coverage. Finding the best auto insurance is not that difficult. Drivers just need to know the best way to compare price quotes online.

Drivers can save with with these seven discounts

Insuring your vehicles can cost a lot, but companies offer discounts that could help you make your next renewal payment. Some discounts will apply at the time of quoting, but some need to be inquired about prior to receiving the credit.

  • Home Ownership Discount – Owning a house can help you save on car insurance because of the fact that having a home requires personal responsibility.
  • Paperwork-free – A handful of larger companies may give you up to $50 for buying your policy on the web.
  • Multiple Cars – Buying coverage for several vehicles on one policy can reduce the rates for all insured vehicles.
  • First Accident Forgiveness – This one is not really a discount per se, but companies like GEICO, State Farm, and Progressive will let one accident slide before hitting you with a surcharge if you are claim-free prior to the accident.
  • Switch and Save Discount – Some insurance companies provide a discount for signing up prior to your current policy expiration. It could save around 10% when you buy car insurance online.
  • Auto/Life Discount – Not all car insurance companies offer life insurance, but some may give you a small discount if you purchase a life insurance policy as well.
  • Use Seat Belts – Drivers who always wear seat belts and also require passengers to wear their seat belts can save a little on the premium charged for medical payments and/or PIP.

One last thing about discounts, some of the credits will not apply to your bottom line cost. Most only reduce specific coverage prices like liability, collision or medical payments. Even though it may seem like you would end up receiving a 100% discount, it’s just not the way it works.

Insurance companies that possibly offer these benefits include:

When comparing rates, check with all the companies to apply every possible discount. Some discounts may not be offered in your area. If you would like to view insurers with the best discounts, follow this link.

The quickest method we recommend to compare car insurance rates is to take advantage of the fact most larger insurance companies provide online access to provide you with free rate quotes. All consumers are required to do is provide a little information such as whether you are married, if the car is leased, driver ages, and if a SR-22 is required. Your information is instantly provided to insurance carriers in your area and they return cost estimate quickly.

To start a rate quote now, click here then complete the form.

Your situation helps dictate your coverage

When buying adequate coverage, there is no perfect coverage plan. Each situation is unique.

For instance, these questions can help discover whether your personal situation could use an agent’s help.

  • Does insurance cover tools stolen from my truck?
  • Is my teenager covered with friends in the car?
  • Does my policy cover my teen driver if they drive my company car?
  • Does my 2013 Toyota Corolla need full coverage?
  • Am I covered if I drive in a foreign country?
  • How much liability insurance is required?

If you’re not sure about those questions but a few of them apply, you may need to chat with an insurance agent. To find an agent in your area, simply complete this short form. It only takes a few minutes and can help protect your family.

Auto insurance coverages

Having a good grasp of your car insurance policy can be of help when determining the right coverages for your vehicles. Car insurance terms can be ambiguous and coverage can change by endorsement.

Comprehensive auto coverage

Comprehensive insurance pays to fix your vehicle from damage from a wide range of events other than collision. You first have to pay a deductible and then insurance will cover the rest of the damage.

Comprehensive can pay for things like a broken windshield, hail damage, vandalism, damage from a tornado or hurricane and damage from getting keyed. The maximum amount you’ll receive from a claim is the market value of your vehicle, so if the vehicle’s value is low it’s not worth carrying full coverage.

UM/UIM (Uninsured/Underinsured Motorist) coverage

This gives you protection when the “other guys” are uninsured or don’t have enough coverage. Covered losses include medical payments for you and your occupants and damage to your Toyota Corolla.

Due to the fact that many drivers only carry the minimum required liability limits, their liability coverage can quickly be exhausted. For this reason, having high UM/UIM coverages should not be overlooked.

Medical payments and PIP coverage

Medical payments and Personal Injury Protection insurance kick in for immediate expenses such as hospital visits, nursing services, chiropractic care and EMT expenses. The coverages can be used to cover expenses not covered by your health insurance plan or if you lack health insurance entirely. Coverage applies to you and your occupants and also covers being hit by a car walking across the street. Personal Injury Protection is not available in all states but it provides additional coverages not offered by medical payments coverage

Collision coverage

This pays to fix your vehicle from damage from colliding with a stationary object or other vehicle. You have to pay a deductible and the rest of the damage will be paid by collision coverage.

Collision coverage pays for claims like colliding with another moving vehicle, hitting a mailbox, colliding with a tree and sustaining damage from a pot hole. This coverage can be expensive, so consider dropping it from vehicles that are older. Drivers also have the option to increase the deductible to bring the cost down.

Liability insurance

Liability insurance protects you from damage that occurs to other’s property or people in an accident. Coverage consists of three different limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You might see values of 25/50/25 which means $25,000 bodily injury coverage, a limit of $50,000 in injury protection per accident, and $25,000 of coverage for damaged propery.

Liability can pay for things like funeral expenses, structural damage, emergency aid, court costs and medical expenses. The amount of liability coverage you purchase is a personal decision, but it’s cheap coverage so purchase as much as you can afford.

Quote more. Save more.

People who switch companies do it for a variety of reasons including policy cancellation, delays in paying claims, lack of trust in their agent and questionable increases in premium. It doesn’t matter what your reason, finding the right insurance provider can be easy and end up saving you some money.

Cheaper 2013 Toyota Corolla insurance is definitely available both online as well as from independent agents, and you need to price shop both so you have a total pricing picture. Some insurance companies do not offer the ability to get a quote online and usually these small insurance companies only sell through independent agents.

In this article, we covered a lot of information how to reduce 2013 Toyota Corolla insurance rates online. The key thing to remember is the more companies you get car insurance rates for, the better chance you’ll have of finding cheap car insurance. Consumers could even find that the lowest rates are with an unexpected company.

More detailed insurance information is available at these sites: