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Toyota Celica Insurance Rates

You have many choices when buying insurance for your Toyota vehicle. You can either contact a local agent or go online to check prices from lots of different providers. Comparing car insurance through online providers can be fast and easy, in addition you might just save a little.

If you've never shopped for car insurance online, you may be confused by the hoards of online companies vying for your business. When shopping for car insurance there are multiple ways to compare rate quotes from different insurance companies. The recommended way to find competitive Celica insurance cost involves getting comparison quotes online. This is very easy and can be done by completing this short form.

Criteria which help determine car insurance premiums

Auto insurance rates paid to insure a Toyota Celica can be significantly different depending on several factors. A few of these criteria are:

  • Higher performance Celica vehicles cost more
  • How many accidents you have had
  • Home and auto can earn discounts
  • How you use your vehicle
  • Mature drivers pay less
  • Having a spouse can save money
  • Optional coverages like vehicle replacement
  • What you do for a living
  • The level of coverage
  • Owning a home can lower rates

A final factor that can impact Celica insurance rates is the model year. Used vehicles have a much lower replacement value in comparison to older models so the costs to repair may result in lower rates. Conversely, new Toyota models may have a trim level with safety features such as active head restraints, an advanced theft deterrent system, and lane departure warning system that may help give discounted rates.

To get a better idea how much rates will be for your vehicle, select the year of your Celica from the following list.

Liability auto insurance - This coverage provides protection from injuries or damage you cause to a person or their property. Liability coverage protects against claims such as funeral expenses, loss of income, and emergency aid. Coverage is generally pretty cheap so consider buying as large an amount as possible.

Collision coverage - This coverage pays to fix your vehicle from damage from colliding with another vehicle or an object, but not an animal. You first must pay a deductible then your collision coverage will kick in. This coverage can be expensive, so you might think about dropping it from vehicles that are older. It's also possible to bump up the deductible to bring the cost down.

Comprehensive (Other than Collision) - This pays to fix your vehicle from damage caused by mother nature, theft, vandalism and other events. A deductible will apply and the remainder of the damage will be paid by your Toyota Celica comprehensive insurance. The highest amount a car insurance company will pay at claim time is the ACV or actual cash value, so if the vehicle's value is low consider removing comprehensive coverage.

Uninsured/Underinsured Motorist coverage - This coverage protects you and your vehicle from other drivers when they either have no liability insurance or not enough. Because many people have only the minimum liability required by law, their liability coverage can quickly be exhausted. So UM/UIM coverage is a good idea.

Medical expense insurance - Medical payments and Personal Injury Protection insurance pay for bills (i.e. ambulance fees, surgery, and doctor visits). They are used to cover expenses not covered by your health insurance policy or if you do not have health coverage. Personal Injury Protection is not universally available but it provides additional coverages not offered by medical payments coverage.

How Much are Toyota Celica Insurance Rates?