1999 Toyota Celica Insurance Cost

I can’t think of a single person who likes having to buy insurance coverage, in particular when the cost is too high.

Consumers have many auto insurance companies to buy insurance from, and though it is a good thing to have multiple companies, too many choices makes it more difficult to compare rates and find the lowest cost insurance coverage.

You should take the time to compare rates every six months because insurance rates are usually higher with each renewal. Despite the fact that you may have had the best price on Celica coverage on your last policy the chances are good that you can find a lower rate today. There is a lot of bad advice regarding insurance coverage online, so by reading this article, you’re going to learn a bunch of ideas how to find affordable insurance coverage.

Why you might be paying too much to insure your Toyota Celica

Consumers need to have an understanding of the rating factors that play a part in calculating the price you pay for insurance. Knowing what controls the rates you pay empowers consumers to make smart changes that can help you get lower insurance prices.

  • Pleasure use saves money – The more you drive each year the more you will pay for insurance. Most companies charge to insure your cars based on how the vehicle is used. Vehicles left parked in the garage can get a lower rate compared to those used for work or business. If your policy improperly rates your Celica can cost quite a bit. Make sure your insurance policy is showing the correct driver usage, because it can save money.
  • Higher deductibles cost less – The deductibles define the amount you are willing to pay before a claim is paid by your company. Physical damage coverage, termed comprehensive and collision coverage on your policy, protects your car from damage. Examples of covered claims could be running into the backend of another car, collision with an animal, and burglary. The more money you’re willing to pay, the less your company will charge you for insurance on Celica coverage.
  • Too many insurance claims drive up costs – Insurance companies give cheaper rates to people who are claim-free. If you tend to file frequent claims, you can pretty much guarantee either a policy non-renewal or much higher rates. Your insurance policy is intended to be relied upon for major claims that would cause financial hardship.
  • Do you work long hours in a high stress job? – Jobs such as lawyers, executives and financial analysts tend to have higher average rates in part from job stress and lengthy work days. Conversely, occupations such as scientists, engineers and the unemployed receive lower rates on Celica coverage.
  • Multiple policies with one company can save – Most insurance companies will give a discount to insureds who consolidate policies with them, otherwise known as a multi-policy discount. Even with this discount, it’s still a good idea to shop around to make sure you are getting the best deal.
  • Liability coverage is peace of mind – Liability coverage will protect you in the event that you are found to be at fault for damages caused by your negligence. Liability provides for a legal defense which can be incredibly expensive. Liability is cheap when compared with rates for comp and collision, so do not cut corners here.
  • Drive a safer car and pay less – Vehicles with high crash test scores can get you lower premiums. Safer cars protect occupants better and better occupant protection translates into savings for insurance companies and thus lower rates. If your Toyota has ratings of a minimum an “acceptable” rating on the Insurance Institute for Highway Safety website or four stars on the National Highway Traffic Safety Administration website you may qualify for a discount.

Don’t overlook these discounts

Insuring your vehicles can cost a lot, but discounts can save money and there are some available to reduce the price significantly. Most are applied at the time of quoting, but lesser-known reductions have to be asked for before you get the savings.

  • Braking Control Discount – Cars that have steering control and anti-lock brakes can reduce accidents and earn discounts up to 10%.
  • College Student – Kids in college who are attending college and don’t have a car may be able to be covered for less.
  • Early Switch Discount – Some companies give discounts for switching policies prior to your current policy expiring. It’s a savings of about 10%.
  • Federal Government Employee – Employees or retirees of the government can save as much as 8% on Celica coverage with a few insurance companies.
  • Passive Restraint Discount – Cars that have air bags or automatic seat belts can receive discounts up to 30%.
  • Multi-policy Discount – If you insure your home and vehicles with one insurance company you may earn approximately 10% to 15%.
  • Low Mileage – Low mileage vehicles could qualify for lower rates on the low mileage vehicles.
  • Safe Drivers – Safe drivers can pay as much as 50% less on Celica coverage than their less cautious counterparts.

It’s important to note that most credits do not apply to the overall cost of the policy. Most only apply to the price of certain insurance coverages like liability, collision or medical payments. So when it seems like having all the discounts means you get insurance for free, companies wouldn’t make money that way. But any discount will cut the amount you have to pay.

Car insurance companies who might offer these money-saving discounts include:

Check with each insurance company what discounts are available to you. Some discounts might not apply in every state.

Is my situation unique?

When it comes to choosing the right insurance coverage, there really is no best way to insure your cars. Everyone’s situation is unique and your policy should reflect that. Here are some questions about coverages that can aid in determining whether your personal situation could use an agent’s help.

  • What are the financial responsibility laws in my state?
  • Are my tools covered if they get stolen from my vehicle?
  • Am I covered if my car is in a flood?
  • Does car insurance cover theft of personal property?
  • Am I covered if I wreck a rental car?
  • Are split liability limits better than a combined single limit?

If you’re not sure about those questions but a few of them apply, you may need to chat with a licensed insurance agent. If you don’t have a local agent, fill out this quick form or you can go here for a list of companies in your area.

Car insurance 101

Learning about specific coverages of insurance can help you determine the right coverages for your vehicles. The coverage terms in a policy can be confusing and even agents have difficulty translating policy wording. These are the usual coverages found on most insurance policies.

Uninsured or underinsured coverage

This coverage protects you and your vehicle’s occupants when the “other guys” either are underinsured or have no liability coverage at all. Covered losses include injuries to you and your family as well as your vehicle’s damage.

Due to the fact that many drivers only carry the minimum required liability limits, their limits can quickly be used up. That’s why carrying high Uninsured/Underinsured Motorist coverage is important protection for you and your family. Normally the UM/UIM limits are identical to your policy’s liability coverage.

Liability auto insurance

This provides protection from damage that occurs to other’s property or people. This coverage protects you from claims by other people, and does not provide coverage for damage to your own property or vehicle.

Liability coverage has three limits: bodily injury per person, bodily injury per accident and property damage. As an example, you may have liability limits of 50/100/50 which stand for a $50,000 limit per person for injuries, a limit of $100,000 in injury protection per accident, and a total limit of $50,000 for damage to vehicles and property. Occasionally you may see a combined single limit or CSL which provides one coverage limit rather than limiting it on a per person basis.

Liability can pay for things like repair bills for other people’s vehicles, medical services, pain and suffering and attorney fees. How much liability should you purchase? That is a decision to put some thought into, but it’s cheap coverage so purchase higher limits if possible.

Collision coverage protection

This coverage will pay to fix damage to your Celica resulting from a collision with another vehicle or an object, but not an animal. You have to pay a deductible then the remaining damage will be paid by your insurance company.

Collision can pay for things such as colliding with a tree, hitting a parking meter, rolling your car, scraping a guard rail and driving through your garage door. This coverage can be expensive, so analyze the benefit of dropping coverage from vehicles that are older. It’s also possible to raise the deductible in order to get cheaper collision rates.

Comprehensive protection

This pays to fix your vehicle from damage OTHER than collision with another vehicle or object. You need to pay your deductible first and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive coverage pays for claims such as theft, damage from flooding, vandalism, a tree branch falling on your vehicle and hitting a bird. The most you’ll receive from a claim is the actual cash value, so if the vehicle is not worth much it’s not worth carrying full coverage.

Medical expense coverage

Med pay and PIP coverage pay for expenses like chiropractic care, rehabilitation expenses and surgery. They are used in conjunction with a health insurance plan or if you are not covered by health insurance. They cover 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 an option in every state but it provides additional coverages not offered by medical payments coverage

Have money to burn

Discount 1999 Toyota Celica insurance can be bought on the web and with local insurance agents, and you should compare price quotes from both to get a complete price analysis. A few companies do not offer the ability to get a quote online and most of the time these smaller companies sell through independent agents.

As you shop your coverage around, it’s a bad idea to reduce needed coverages to save money. In too many instances, an insured dropped physical damage coverage only to find out that their decision to reduce coverage ended up costing them more. Your strategy should be to find the BEST coverage for the lowest price while still protecting your assets.

Additional auto insurance information can be found on the following sites: