Cheap 1996 Toyota Celica Insurance Rates

Nobody cherishes buying auto insurance, particularly when the cost is too high.

Having so many companies to choose from, it can be diffult for consumers to pick the most affordable company.

Compare the Market for Car Insurance

To find the best car insurance prices, there are several ways to compare rate quotes from different insurance companies. The best method to find competitive 1996 Toyota Celica insurance rates is simply to get online rate quotes. This is very easy and can be done using a couple different methods.

The most efficient way to find the lowest comparison rates is a comparison rater form click to view form in new window. This method saves time by eliminating repetitive form submissions for each company you want a rate for. A single form will return quotes from car insurance companies with the best prices.

Another way to get quotes online requires visiting each company website to complete a price quote. For sake of this example, let’s say you want rates from GEICO, Allstate and Travelers. To find out each rate you need to take the time to go to each site to enter your coverage information, and that’s why the first method is more popular. For a list of links to insurance companies in your area, click here.

The least efficient method of getting rate comparisons is driving to different agent offices. The ability to buy insurance online has reduced the need for local agents unless you want the professional guidance only provided by licensed agents. It is possible to find lower rates online but buy from a local insurance agent.

It doesn’t matter which method you choose, just make absolute certain that you use exactly the same quote information on every quote you get. If each company quotes different limits and deductibles on each one it will be impossible to decipher which rate is best. Having just a slight variation in coverages can make a big difference in price. And when comparison shopping, obtaining a wide range of quotes helps locate the best price.

Discounts are basically free money

Car insurance is not cheap, but discounts can save money and there are some available that many people don’t even know exist. Some trigger automatically when you quote, but lesser-known reductions have to be requested specifically before they will apply.

  • Defensive Driver – Successfully completing a driver safety course could possibly earn you a 5% discount and easily recoup the cost of the course.
  • Use Seat Belts – Using a seat belt and requiring all passengers to wear their seat belts can save 10% or more off your PIP or medical payments premium.
  • Discount for New Cars – Adding a new car to your policy is cheaper since new cars are generally safer.
  • Drivers Education – Have your child take driver’s ed class in school.
  • Claim Free – Good drivers with no accidents can earn big discounts when compared with bad drivers.
  • Paperwork-free – A handful of insurance companies may give you up to $50 just for signing your application over the internet.
  • Multiple Vehicles – Buying insurance for multiple vehicles on the same car insurance policy may reduce the rate for each vehicle.
  • Lower Rates for Military – Being deployed with a military unit could mean lower rates.
  • Theft Prevention Discount – Vehicles with anti-theft systems can help prevent theft and therefore earn up to a 10% discount.

Consumers should know that most credits do not apply to all coverage premiums. Most cut the price of certain insurance coverages like comp or med pay. Just because you may think you can get free auto insurance, companies don’t profit that way. Any qualifying discounts will bring down your overall premium however.

Insurance companies that may offer some of the above discounts include:

It’s a good idea to ask each insurance company what discounts are available to you. Some discounts may not apply in your state.

Which insurance is the “right” coverage?

When buying proper insurance coverage for your personal vehicles, there isn’t really a “perfect” insurance plan. Every insured’s situation is different so your insurance should reflect that For example, these questions can help discover whether or not you would benefit from an agent’s advice.

  • Do I need roadside assistance coverage?
  • How can I find cheaper teen driver insurance?
  • Does my medical payments coverage pay my health insurance deductible?
  • Is my babysitter covered when using my vehicle?
  • What is the minimum liability in my state?
  • Do I have coverage for damage caused while driving under the influence?
  • Should I buy additional glass protection?

If it’s difficult to answer those questions but you know they apply to you then you might want to talk to a licensed insurance agent. To find an agent in your area, take a second and complete this form or you can go here for a list of companies in your area.

Why your Toyota Celica insurance rates may be high

Smart consumers have a good feel for the rating factors that go into determining the price you pay for insurance. Having a good understanding of what impacts premium levels allows you to make educated decisions that may reward you with much lower annual insurance costs.

Listed below are some of the factors companies use to determine rates.

  • Marriage brings a discount – Being married helps lower the price when buying insurance. It usually means you are more mature than a single person and it’s statistically proven that being married results in fewer claims.
  • Older drivers pay less – More mature drivers are more responsible, statistically cause fewer accidents and receive fewer citations. Young drivers are statistically proven to be careless and easily distracted when driving therefore insurance rates are much higher.
  • Lower miles equals lower premium – The more you drive every year the higher your rates will be. Most companies charge to insure your cars based on how the vehicle is used. Vehicles left parked in the garage get more affordable rates than vehicles that are driven to work every day. If your policy improperly rates your Celica can cost quite a bit. Make sure your insurance policy shows the correct driver usage.
  • Equipment add-ons that lower insurance rates – Owning a car that has an advanced theft prevention system can save you a little every year. Theft prevention features like GM’s OnStar, tamper alarm systems and vehicle immobilizers can help prevent car theft.
  • Increase deductibles and save – Coverage for physical damage, commonly called comprehensive (or other-than-collision) and collision coverage, protects your Toyota from damage. Some instances where coverage would apply could be a windshield shattered by a rock, collision with an animal, and windstorm damage. Your deductibles are the amount of money you are required to spend out-of-pocket if you file a covered claim. The higher the amount you are required to pay out-of-pocket, the bigger discount you will receive on Celica insurance.
  • High numbers of claims are not good – If you are a frequent claim filer, you can look forward to higher rates. Insurance companies give lower rates to people who file claims infrequently. Insurance coverage is meant to be used in the event of larger claims.

Auto insurance coverage information

Learning about specific coverages of your policy can help you determine the right coverages and proper limits and deductibles. Insurance terms can be confusing and even agents have difficulty translating policy wording. Listed below are the usual coverages available from insurance companies.

Liability insurance

Liability insurance will cover damage that occurs to people or other property by causing an accident. This insurance protects YOU from legal claims by others, and doesn’t cover damage sustained by your vehicle in an accident.

Split limit liability has three limits of coverage: per person bodily injury, per accident bodily injury, and a property damage limit. Your policy might show limits of 25/50/25 which stand for $25,000 in coverage for each person’s injuries, a total of $50,000 of bodily injury coverage per accident, and property damage coverage for $25,000. Another option is one number which is a combined single limit which provides one coverage limit without having the split limit caps.

Liability coverage protects against things like emergency aid, medical services, legal defense fees and attorney fees. How much coverage you buy is up to you, but you should buy as high a limit as you can afford.

Uninsured/Underinsured Motorist coverage

This coverage protects you and your vehicle when the “other guys” do not carry enough liability coverage. This coverage pays for injuries sustained by your vehicle’s occupants as well as damage to your Toyota Celica.

Because many people have only the minimum liability required by law, it only takes a small accident to exceed their coverage. For this reason, having high UM/UIM coverages is a good idea. Normally your uninsured/underinsured motorist coverages are set the same as your liablity limits.

Auto collision coverage

Collision insurance pays for damage to your Celica resulting from a collision with another car or object. You first must pay a deductible then your collision coverage will kick in.

Collision coverage protects against claims like scraping a guard rail, rolling your car, crashing into a building and colliding with another moving vehicle. Paying for collision coverage can be pricey, so you might think about dropping it from vehicles that are older. Drivers also have the option to choose a higher deductible to get cheaper collision coverage.

Medical payments coverage and PIP

Med pay and PIP coverage reimburse you for expenses for things like X-ray expenses, hospital visits, ambulance fees and dental work. They are often utilized in addition to your health insurance policy or if you do not have health coverage. Medical payments and PIP cover all vehicle occupants in addition to if you are hit as a while walking down the street. Personal injury protection coverage is not an option in every state and gives slightly broader coverage than med pay

Comprehensive coverage

This pays for damage OTHER than collision with another vehicle or object. You first must pay your deductible then your comprehensive coverage will pay.

Comprehensive can pay for things like hitting a bird, hail damage and damage from getting keyed. The maximum payout a insurance company will pay at claim time is the ACV or actual cash value, so if it’s not worth much more than your deductible consider removing comprehensive coverage.

Summing up your auto insurance search

The cheapest 1996 Toyota Celica insurance can be found on the web and also from your neighborhood agents, and you should be comparing both to have the best chance of lowering rates. Some companies may not provide online price quotes and many times these small insurance companies only sell through independent insurance agents.

When you buy insurance online, it’s not a good idea to buy lower coverage limits just to save a few bucks. In many instances, consumers will sacrifice uninsured motorist or liability limits and discovered at claim time that the few dollars in savings costed them thousands. Your aim should be to purchase a proper amount of coverage at the best price, not the least amount of coverage.

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