Toyota Tercel Insurance Rates

Drivers have lots of options when attempting to insure your Toyota vehicle. You can buy direct from your neighborhood insurance agent or shop online to check prices from lots of different providers. Shopping for auto insurance through online providers is easy, plus you will probably save money.

Consumers not familiar with buying insurance may think purchasing low-cost Tercel insurance is hard and time consuming. Getting cheaper insurance rates is surprisingly easy. The only requirement is to invest a few minutes comparing rates from different insurance companies. This is very easy and can be done by completing this short form.

Car insurance rates influenced by...

Insurance rates on a Toyota Tercel can vary widely based upon several criteria. Including but not limited to:

The performance level of your Tercel
Any accidents you may have
Whether you insure your home with the same company
Pleasure use vs. commuting use
Young drivers cost more
Having a spouse can save money
Add-on coverages such as rental reimbursement
No claims lowers premiums
No coverage lapses saves money
Home ownership saves money

One last important factor that will help determine the rate you pay on your Toyota is the year of manufacture. New vehicles have a higher replacement value so repair costs are higher which can inflate annual premiums. Conversely, more recent Toyota vehicles may have options such as active head restraints, automatic crash notification, blind-spot warning system, and adaptive cruise control which can give discounted rates.

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

Liability auto insurance

Liability insurance will cover damage or injury you incur to people or other property by causing an accident. Liability coverage pays for claims like pain and suffering, repair costs for stationary objects, and legal defense fees. Liability insurance is relatively cheap so purchase higher limits if possible.

Auto collision coverage

Collision coverage will pay to fix damage to your Toyota resulting from a collision with a stationary object or other vehicle. You will need to pay your deductible and then insurance will cover the remainder. Collision coverage for your Tercel can be pricey, so consider dropping it from vehicles that are 8 years or older. It's also possible to choose a higher deductible to bring the cost down.

Comprehensive (Other than Collision)

This coverage pays to fix your vehicle from damage from a wide range of events other than collision. You first have to pay a deductible then the remaining damage will be covered by your comprehensive coverage. The maximum payout your auto insurance company will pay is the actual cash value, so if the vehicle's value is low it's not worth carrying full coverage.

UM/UIM (Uninsured/Underinsured Motorist) coverage

Uninsured or Underinsured Motorist coverage protects you and your vehicle from other drivers when they are uninsured or don't have enough coverage. Due to the fact that many drivers have only the minimum liability required by law, it doesn't take a major accident to exceed their coverage limits. So UM/UIM coverage is important protection for you and your family.

Medical expense insurance

Personal Injury Protection (PIP) and medical payments coverage provide coverage for immediate expenses for things like EMT expenses, pain medications, and nursing services. They are used in conjunction with a health insurance policy or if you do not have health coverage. PIP is only offered in select states but it provides additional coverages not offered by medical payments coverage.

How Much are Toyota Tercel Insurance Rates?