View 2012 Toyota Sienna Car Insurance Rates

Shoppers have a choice when shopping for the best price on Toyota Sienna insurance. You can either waste hours contacting agents getting price quotes or use the internet to find the lowest rates.

There is a better way to buy auto insurance and we’ll show you the quickest way to get price quotes for your Toyota and find the cheapest rates from local insurance agents and online providers.

Consumers should take time to shop coverage around yearly because prices fluctuate regularly. If you had the best rates on Sienna coverage a few years ago other companies may now be cheaper. So forget all the misinformation about auto insurance because you’re about to learn the fastest and easiest way to save money, get proper coverage and the best rates.

Companies offer discounts so take them!

Insuring your vehicles can cost a lot, buy you may qualify for discounts that you may not even be aware of. Certain discounts will be triggered automatically at the time of quoting, but lesser-known reductions have to be requested specifically before you get the savings. If they aren’t giving you every credit possible, you’re just leaving money on the table.

  • Discount for Good Grades – This discount can be rewarded with saving of up to 25%. The good student discount can last well after school through age 25.
  • Distant Student – Kids in college living away from home attending college without a vehicle on campus may be able to be covered for less.
  • Theft Prevention Discount – Vehicles with anti-theft systems can help prevent theft and will save you 10% or more.
  • Low Mileage Discounts – Driving fewer miles could qualify for discounted rates on garaged vehicles.
  • No Charge for an Accident – Certain companies permit an accident before hitting you with a surcharge as long as you don’t have any claims for a set time period.
  • Discount for New Cars – Adding a new car to your policy can cost up to 25% less because new vehicles have to meet stringent safety requirements.
  • Seat Belts Save more than Lives – Buckling up and requiring all passengers to wear their seat belts could cut 10% or more off your PIP or medical payments premium.
  • Employee of Federal Government – Being employed by or retired from a federal job can save as much as 8% on Sienna coverage with select insurance companies.
  • Pay Upfront and Save – If you pay your bill all at once rather than paying monthly you can actually save on your bill.

It’s important to note that some of the credits will not apply to the entire cost. Some only reduce individual premiums such as comprehensive or collision. So despite the fact that it appears adding up those discounts means a free policy, it doesn’t quite work that way. Any qualifying discounts will bring down your overall premium however.

For a list of providers with discount car insurance rates, click this link.

How to Get Insurance Coverage

There are a lot of ways to shop for insurance coverage, and some are easier and takes less work. You can waste hours talking to local insurance agents in your area, or you can stay home and use the web for quick rates.

Most major companies are enrolled in a marketplace that enables customers to only type in their quote data once, and at least one company then gives them pricing based on the submitted data. This saves time by eliminating quote requests to every company.

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

The one downside to using this type of system is buyers cannot specifically choose which companies to get pricing from. If you prefer to choose from a list of companies to compare rates, we put together a list of the cheapest insurance coverage companies in your area. Click to view list.

Whichever way you use, make darn sure you compare the exact same quote information on every quote. If you enter differing limits it’s not possible to make an equal comparison.

These factors can influence Toyota Sienna insurance rates

Smart consumers have a good feel for the factors that go into determining the price you pay for auto insurance. When you know what positively or negatively controls the rates you pay enables informed choices that will entitle you to better auto insurance rates.

Listed below are a partial list of the pieces auto insurance companies consider when setting prices.

  • Do you work long hours in a high stress job? – Did you know your occupation can influence how much you pay for auto insurance? Jobs such as lawyers, architects and financial analysts tend to pay higher average rates because of job stress and long work days. Conversely, occupations like scientists, engineers and homemakers have the lowest average rates on Sienna coverage.
  • More people means more accidents – Choosing to live in a small town has it’s advantages when it comes to auto insurance. Fewer people means a lower chance of having an accident as well as less vandalism and auto theft. Drivers in populated areas have to deal with congested traffic and much longer commute distances. More time on the road translates into higher accident risk.
  • Safer cars cost less to insure – Vehicles with good safety scores are cheaper to insure. Safe vehicles have better occupant injury protection and any reduction in injury severity means less money paid by your insurance company and lower rates for you. If your Toyota Sienna is rated at least four stars on Safercar.gov it may be receiving lower rates.
  • Women pay lower rates – The statistics show that women are safer drivers than men. That doesn’t necessarily mean that women are better drivers. They both cause accidents at a similar rate, but the male of the species cause more damage. Men also tend to get more serious tickets such as DWI and reckless driving. Youthful male drivers tend to get in the most accidents and are penalized with high auto insurance rates.
  • With age comes lower rates – Youthful drivers are statistically proven to be less responsible when driving so they pay higher auto insurance rates. Parents adding a youthful driver onto your auto insurance can be very expensive. More mature drivers tend to be more responsible, statistically cause fewer accidents and receive fewer citations.
  • High credit ratings translate to low rates – Having a bad credit score is a large factor in calculating your auto insurance rates. So if your credit rating is lower than you’d like, you could pay less to insure your 2012 Toyota Sienna by spending a little time repairing your credit. Drivers with excellent credit tend to file fewer claims and have better driving records than those with poor credit.
  • Increase deductibles and save – Physical damage insurance, otherwise known as comp (or other than collision) and collision, is used to repair damage to your Toyota. Some instances where coverage would apply could be a windshield shattered by a rock, collision with an animal, and windstorm damage. Your deductibles are how much you are willing to pay before a claim is paid by your company. The more money you are required to pay out-of-pocket, the less your auto insurance will be on Sienna coverage.
  • How’s your driving record? – Whether or not you get tickets has a huge affect on how much you pay. Only having one citation can bump up the cost forty percent or more. Drivers who don’t get tickets receive lower rates than their less careful counterparts. Drivers with dangerous tickets like DUI or reckless driving are required to file a proof of financial responsibility form (SR-22) with their state DMV in order to prevent a license revocation.

Do I just need basic coverages?

When it comes to choosing the right insurance coverage, there really is no one size fits all plan. Every situation is different.

Here are some questions about coverages that can aid in determining if your situation might need an agent’s assistance.

  • Does my liability insurance cover pulling a trailer or camper?
  • Do I benefit by insuring my home with the same company?
  • Why am I required to get a high-risk car insurance policy?
  • If my pet gets injured in an accident are they covered?
  • Will filing a claim cost me more?
  • When can I cancel my policy?
  • What are the best liability limits?
  • Do I need replacement cost coverage?

If you don’t know the answers to these questions but you think they might apply to your situation, then you may want to think about talking to a licensed insurance agent. If you don’t have a local agent, complete this form. It is quick, free and can provide invaluable advice.

Don’t believe everything you hear

Consumers constantly see and hear ads for car insurance savings by companies like State Farm, Allstate and GEICO. All the ads make the same claim of big savings if you switch to them.

How does each company claim to save you money? It’s all in the numbers.

All the different companies are able to cherry pick for the type of driver that makes them money. For instance, a desirable insured could possibly be a mature driver, insures multiple vehicles, and drives less than 10,000 miles a year. Any new insured who fits that profile will qualify for the lowest rates and is almost guaranteed to save a lot of money.

Potential customers who don’t qualify for this ideal profile will be quoted more money and this can result in the driver buying from a lower-cost company. The ads say “customers that switch” not “people who quote” save that much. This is how companies can advertise the way they do.

This emphasizes why drivers should get as many comparisons as possible. It’s just too difficult to predict which insurance companies will give you the biggest savings on Toyota Sienna insurance.

Car insurance 101

Having a good grasp of insurance can help you determine appropriate coverage for your vehicles. Insurance terms can be impossible to understand and nobody wants to actually read their policy.

Comprehensive coverages

This 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 the remaining damage will be covered by your comprehensive coverage.

Comprehensive insurance covers things such as fire damage, falling objects and hitting a bird. The most you’ll receive from a claim is the actual cash value, so if your deductible is as high as the vehicle’s value it’s probably time to drop comprehensive insurance.

Coverage for collisions

Collision coverage pays to fix your vehicle from damage resulting from colliding with a stationary object or other vehicle. You first must pay a deductible then the remaining damage will be paid by your insurance company.

Collision can pay for claims such as crashing into a ditch, crashing into a building, colliding with another moving vehicle, driving through your garage door and damaging your car on a curb. Collision coverage makes up a good portion of your premium, so analyze the benefit of dropping coverage from vehicles that are older. It’s also possible to choose a higher deductible in order to get cheaper collision rates.

Liability coverages

Liability insurance can cover damage or injury you incur to other people or property that is your fault. It protects YOU against claims from other people, and doesn’t cover damage to your own property or vehicle.

Coverage consists of three different limits, bodily injury per person, bodily injury per accident and property damage. You might see limits of 25/50/25 which means $25,000 in coverage for each person’s injuries, a per accident bodily injury limit of $50,000, and property damage coverage for $25,000. Some companies may use a combined limit that pays claims from the same limit with no separate limits for injury or property damage.

Liability can pay for claims like loss of income, funeral expenses and pain and suffering. How much liability coverage do you need? That is a decision to put some thought into, but buy as high a limit as you can afford.

Coverage for medical payments

Med pay and PIP coverage pay for immediate expenses for things like dental work, pain medications, EMT expenses and X-ray expenses. The coverages can be used to cover expenses not covered by your health insurance policy or if you lack health insurance entirely. Medical payments and PIP cover both the driver and occupants in addition to if you are hit as a while walking down the street. Personal Injury Protection is not universally available but can be used in place of medical payments coverage

Uninsured and underinsured coverage

This protects you and your vehicle from other motorists when they either have no liability insurance or not enough. Covered losses include hospital bills for your injuries and also any damage incurred to your Toyota Sienna.

Since a lot of drivers have only the minimum liability required by law, it only takes a small accident to exceed their coverage. This is the reason having UM/UIM coverage is a good idea. Frequently your uninsured/underinsured motorist coverages do not exceed the liability coverage limits.

A tidy conclusion

Affordable 2012 Toyota Sienna insurance is available online in addition to many insurance agents, and you need to price shop both so you have a total pricing picture. Some insurance companies do not provide online price quotes and most of the time these small insurance companies sell through independent agents.

We just showed you a lot of tips how to compare insurance prices online. The key thing to remember is the more you quote, the better chance you’ll have of finding lower rates. You may even discover the lowest priced auto insurance comes from some of the lesser-known companies.

Insureds switch companies for a variety of reasons including not issuing a premium refund, delays in responding to claim requests, questionable increases in premium and denial of a claim. It doesn’t matter what your reason, choosing a new company is easier than you think.

More tips and info about auto insurance is available in the articles below: