2006 Toyota Avalon Insurance Rates – 8 Discounts for Cheaper Quotes

Want the cheapest insurance rates for your Toyota Avalon? Sick and tired of being strong-armed to pay your car insurance bill each month? You are no different than many other drivers.

Popular companies such as GEICO, Progressive and Allstate persitently shower you with advertising and consumers find it hard to see through the cute green geckos and mayhem and effectively compare rates to find the best deal.

If you currently have a car insurance policy, you will be able to cut costs considerably using these techniques. Buying car insurance is easy if you know what you’re doing. Although consumers must learn how companies compete online because it can help you find the best coverage.

How to Buy Car Insurance Online

There are a variety of methods to compare 2006 Toyota Avalon car insurance prices and some are more efficient than others. You could waste time talking to insurance companies in your area, or you could use the web to get the quickest rates.

Most major companies belong to a marketplace that enables customers to complete one form, and every company then gives them pricing. This prevents consumers from doing form submissions for each company.

To find out how much you’re overpaying now click here to open in new window.

One minor caviat to getting quotes like this is you don’t know exactly the providers you will receive quotes from. So if you want to choose specific providers to compare prices, we have assembled a list of low cost car insurance companies in your area. View list of insurance companies.

However you get your quotes, make absolute certain that you use exactly the same coverage information for every quote you compare. If you have differing limits it will be impossible to truly determine the lowest rate. Having just a slight variation in coverage limits may result in a large different in cost. Keep in mind that getting more free quotes provides better odds of finding the best rates.

Save money by taking advantage of these eight discounts

Insurance can cost an arm and a leg, but there are discounts available that many people don’t even know exist. A few discounts will automatically apply when you get a quote, but some may not be applied and must be inquired about before you get the savings.

  • Save over 55 – Older drivers may qualify for a small decrease in premiums on Avalon insurance.
  • One Accident Forgiven – A handful of insurance companies permit an accident before hitting you with a surcharge if your claims history is clear for a particular time prior to the accident.
  • Discount for New Cars – Buying coverage on a new vehicle can be considerably cheaper due to better safety requirements for new cars.
  • Multi-car Discount – Having more than one vehicle with the same company qualifies for this discount.
  • Seat Belts Save more than Lives – Using a seat belt and requiring all passengers to buckle their seat belts could cut 10% or more off your PIP or medical payments premium.
  • Anti-lock Brakes – Cars that have steering control and anti-lock brakes prevent accidents and earn discounts up to 10%.
  • Pay Now and Pay Less – If you pay your entire premium ahead of time instead of making monthly payments you can actually save on your bill.
  • Passive Restraints – Vehicles with factory air bags or motorized seat belts can qualify for discounts of more than 20%.

As a disclaimer on discounts, most discounts do not apply to the entire cost. Most cut individual premiums such as collision or personal injury protection. So despite the fact that it appears all the discounts add up to a free policy, it doesn’t quite work that way. But any discount will reduce your premiums.

To see a list of companies offering insurance discounts, click this link.

When should I use an insurance agent?

When it comes to choosing the right insurance coverage, there really is no perfect coverage plan. Your needs are not the same as everyone else’s so your insurance should reflect that Here are some questions about coverages that might point out if your situation would benefit from professional advice.

  • Am I covered when driving on a suspended license?
  • How can I get high-risk coverage after a DUI?
  • What vehicles should carry emergency assistance coverage?
  • What is medical payments coverage?
  • How much liability do I need to cover my assets?
  • Am I covered if I wreck a rental car?
  • How high should my uninsured/underinsured coverage be in my state?
  • Should I put collision coverage on all my vehicles?
  • Why is insurance for a teen driver so high?

If you don’t know the answers to these questions but you know they apply to you, you might consider talking to an insurance agent. To find lower rates from a local agent, fill out this quick form or go to this page to view a list of companies.

Buyer beware of insurance advertising tricks

Insurance providers like Progressive, GEICO, Allstate and State Farm regularly use ads on television and other media. They all have a common claim that you’ll save big if you move your coverage to them. How do they all say the same thing? It’s all in the numbers.

All the different companies are able to cherry pick for the type of customer that makes them money. An example of a preferred risk might be between the ages of 30 and 50, insures multiple vehicles, and chooses high deductibles. Any driver that hits that “sweet spot” gets the lowest rates and is almost guaranteed to save a lot of money.

Potential customers who are not a match for these standards must pay a higher premium and this can result in the customer not buying. The ads say “customers that switch” but not “drivers who get quotes” save that much. This is how companies can advertise the savings.

This illustrates why it is so important to quote coverage with many companies. Because you never know which insurance companies will give you the biggest savings on Toyota Avalon insurance.

Auto insurance coverage considerations

Knowing the specifics of your policy aids in choosing which coverages you need at the best deductibles and correct limits. Policy terminology can be ambiguous and reading a policy is terribly boring. These are typical coverages found on the average auto insurance policy.

Collision coverages – This pays to fix your vehicle from damage caused by collision with a stationary object or other vehicle. You first must pay a deductible then your collision coverage will kick in.

Collision insurance covers things like hitting a parking meter, rolling your car and scraping a guard rail. Collision is rather expensive coverage, so you might think about dropping it from vehicles that are 8 years or older. You can also choose a higher deductible to get cheaper collision coverage.

Medical costs insurance – Personal Injury Protection (PIP) and medical payments coverage provide coverage for short-term medical expenses such as doctor visits, dental work, nursing services, EMT expenses and surgery. They are used in conjunction with a health insurance policy or if you do not have health coverage. It covers not only the driver but also the vehicle occupants in addition to being hit by a car walking across the street. PIP is not available in all states but it provides additional coverages not offered by medical payments coverage

Liability car insurance – Liability insurance will cover damages or injuries you inflict on a person or their property. This coverage protects you from legal claims by others. Liability doesn’t cover damage to your own property or vehicle.

Liability coverage has three limits: bodily injury per person, bodily injury per accident and property damage. You might see limits of 25/50/25 which stand for a limit of $25,000 per injured person, a total of $50,000 of bodily injury coverage per accident, and property damage coverage for $25,000. Occasionally you may see one number which is a combined single limit which limits claims to one amount without having the split limit caps.

Liability insurance covers things such as attorney fees, repair bills for other people’s vehicles and bail bonds. How much liability should you purchase? That is a decision to put some thought into, but buy as large an amount as possible.

UM/UIM Coverage – This protects you and your vehicle’s occupants from other motorists when they either are underinsured or have no liability coverage at all. This coverage pays for injuries sustained by your vehicle’s occupants as well as your vehicle’s damage.

Because many people only carry the minimum required liability limits, their limits can quickly be used up. For this reason, having high UM/UIM coverages should not be overlooked. Frequently the UM/UIM limits are identical to your policy’s liability coverage.

Comprehensive or Other Than Collision – Comprehensive insurance coverage pays to fix your vehicle from damage from a wide range of events other than collision. You need to pay your deductible first then your comprehensive coverage will pay.

Comprehensive coverage protects against things like rock chips in glass, a broken windshield, hitting a bird, hail damage and damage from a tornado or hurricane. The most you’ll receive from a claim is the actual cash value, so if it’s not worth much more than your deductible consider removing comprehensive coverage.

Power to the consumer

We just covered a lot of ways to shop for 2006 Toyota Avalon insurance online. The key concept to understand is the more you quote, the more likely it is that you will get a better rate. You may even discover the lowest premiums are with a company that doesn’t do a lot of advertising. Regional companies often have lower prices on specific markets compared to the large companies like Allstate and Progressive.

While you’re price shopping online, it’s very important that you do not skimp on coverage in order to save money. There are many occasions where an accident victim reduced comprehensive coverage or liability limits only to regret that it was a big error on their part. The proper strategy is to purchase plenty of coverage for the lowest price while not skimping on critical coverages.

Additional articles