How Much Does 2014 Toyota Avalon Car Insurance Cost?

Expensive insurance can take a big chunk out of your personal savings and force you to make sacrifices. Shopping your coverage around is a great way to make sure you’re not throwing money away. Insurance companies such as GEICO, Farmers Insurance and State Farm persitently shower you with ad campaigns and it is challenging if not impossible to ignore the flashy ads and effectively compare rates to find the best deal.

It’s smart to do rate comparisons occasionally because prices are usually higher with each renewal. If you had the lowest price on Avalon insurance a year ago you will most likely find a better rate today. Forget all the misinformation about insurance because you’re about to learn the only way to buy cheaper insurance.

Toyota Avalon insurance rates are influenced by…

It’s important that you understand the rating factors that go into determining the rates you pay for insurance coverage. Understanding what impacts premium levels allows you to make educated decisions that could result in lower insurance coverage prices.

  • With age comes lower rates – Youthful drivers have a tendency to be more careless when driving so insurance coverage rates are higher. Having to add a young driver to your insurance coverage policy can be quite pricey. More mature drivers are viewed as being more responsible, file fewer claims and get fewer tickets.
  • Where you live – Residing in small towns and rural areas can be a good thing when talking about insurance coverage. Lower population means a lower chance of having an accident. City drivers have much more traffic to deal with and longer commute times. More time commuting means more change of being in an accident.
  • Do men or women drive better? – Statistics show women are more cautious behind the wheel. Now that doesn’t mean women are BETTER drivers than men. Women and men cause accidents at about the same rate, but the males tend to have more serious accidents. They also get cited for more serious violations like reckless driving and DUI.
  • Marriage pays dividends – Having a spouse helps lower the price on insurance coverage. It is viewed as being more mature and it’s statistically proven that drivers who are married are more cautious.

How to reduce Toyota Avalon insurance rates

Companies do not advertise all available discounts in an easy-to-find place, so we break down some of the best known and the more hidden discounts you could be receiving. If they aren’t giving you every credit available, you’re paying more than you need to.

  • Safe Driver Discount – Drivers who avoid accidents may save up to 50% more on Avalon insurance than their less cautious counterparts.
  • Passive Restraints and Air Bags – Vehicles equipped with air bags and/or automatic seat belt systems can get savings of 20% or more.
  • Multi-car Discount – Insuring more than one vehicle with the same company may reduce the rate for each vehicle.
  • Federal Employees – Employees or retirees of the government could cut as much as 10% off on Avalon insurance depending on your company.
  • College Student – Kids in college who attend school more than 100 miles from home and don’t have a car may be able to be covered for less.
  • Paperwork-free – Certain companies will give a small break just for signing your application on their website.
  • Low Mileage Discounts – Driving fewer miles could be rewarded with a substantially lower rate.

Keep in mind that most discounts do not apply the the whole policy. A few only apply to specific coverage prices like physical damage coverage or medical payments. So even though it sounds like you can get free auto insurance, you won’t be that lucky.

Insurance companies that possibly offer these benefits are:

It’s a good idea to ask each company what discounts are available to you. All car insurance discounts may not be available everywhere.

Buyer beware of insurance coverage advertising tricks

Consumers can’t get away from ads for cheaper car insurance from companies such as Progressive, Allstate and GEICO. All the ads make an identical promise that you can save after switching your policy.

How do they all make almost identical claims?

All the different companies have a certain “appetite” for the right customer they prefer to insure. An example of a profitable customer might be a mature driver, has no prior claims, and has a short commute. Any new insured who meets those qualifications will get very good rates and is almost guaranteed to save quite a bit of money when switching.

Potential customers who don’t meet the “perfect” profile must pay a more expensive rate which leads to the customer not buying. The ads say “customers who switch” but not “drivers who get quotes” save money. This is how companies can truthfully advertise the way they do. This illustrates why drivers should get a wide range of price quotes. It’s impossible to know which company will have the lowest Toyota Avalon insurance rates.

Tailor your coverage to you

When it comes to choosing the right insurance coverage, there really is not a cookie cutter policy. Everyone’s situation is unique and a cookie cutter policy won’t apply. For instance, these questions may help you determine whether or not you would benefit from an agent’s advice.

  • Am I missing any policy discounts?
  • Does my personal policy cover me when driving out-of-state?
  • Can my teen drive my company car?
  • Do I benefit by insuring my home with the same company?
  • Are my friends covered when driving my car?
  • Are all vehicle passengers covered by medical payments coverage?

If it’s difficult to answer those questions but you know they apply to you, you may need to chat with a licensed insurance agent. If you want to speak to an agent in your area, simply complete this short form or you can go here for a list of companies in your area. It’s fast, doesn’t cost anything and can help protect your family.

Car insurance policy coverages for a Toyota Avalon

Understanding the coverages of your car insurance policy can help you determine the right coverages and the correct deductibles and limits. Car insurance terms can be confusing and nobody wants to actually read their policy. Listed below are the normal coverages offered by car insurance companies.

UM/UIM (Uninsured/Underinsured Motorist) coverage

This protects you and your vehicle from other motorists when they are uninsured or don’t have enough coverage. It can pay for hospital bills for your injuries and damage to your Toyota Avalon.

Since a lot of drivers have only the minimum liability required by law, their limits can quickly be used up. This is the reason having UM/UIM coverage is a good idea.

Collision coverage

Collision insurance pays for damage to your Avalon resulting from a collision with another car or object. You have to pay a deductible and then insurance will cover the remainder.

Collision can pay for claims like colliding with another moving vehicle, crashing into a building, damaging your car on a curb, sideswiping another vehicle and rolling your car. Paying for collision coverage can be pricey, so consider removing coverage from older vehicles. It’s also possible to raise the deductible to save money on collision insurance.

Comprehensive auto coverage

This coverage pays for damage caused by mother nature, theft, vandalism and other events. You need to pay your deductible first then your comprehensive coverage will pay.

Comprehensive coverage protects against things such as hitting a bird, a broken windshield and hail damage. The most you can receive from a comprehensive claim is the market value of your vehicle, so if your deductible is as high as the vehicle’s value consider removing comprehensive coverage.

Medical payments and PIP coverage

Coverage for medical payments and/or PIP reimburse you for immediate expenses for rehabilitation expenses, nursing services and hospital visits. They are used to cover expenses not covered by your health insurance plan or if you lack health insurance entirely. Coverage applies to not only the driver but also the vehicle occupants and also covers getting struck while a pedestrian. Personal injury protection coverage is not universally available but it provides additional coverages not offered by medical payments coverage

Liability coverage

Liability coverage protects you from damages or injuries you inflict on people or other property that is your fault. This insurance protects YOU against other people’s claims, and doesn’t cover damage sustained by your vehicle in an accident.

Coverage consists of three different limits, per person bodily injury, per accident bodily injury, and a property damage limit. You might see policy limits of 25/50/25 that means you have $25,000 in coverage for each person’s injuries, $50,000 for the entire accident, and a limit of $25,000 paid for damaged property.

Liability coverage protects against things such as medical expenses, legal defense fees, attorney fees, medical services and structural damage. How much coverage you buy is up to you, but buy as high a limit as you can afford.

Feed the piggy bank

Cheap 2014 Toyota Avalon insurance is definitely available both online as well as from independent agents, so compare prices from both so you have a total pricing picture. A few companies don’t offer you the ability to get quotes online and many times these smaller companies only sell through independent insurance agents.

When you buy insurance online, it’s not a good idea to buy less coverage just to save a little money. There have been many cases where someone dropped liability limits or collision coverage only to find out that it was a big mistake. Your strategy should be to purchase plenty of coverage at the best price while not skimping on critical coverages.

We just showed you a lot of information how to save on insurance. The key concept to understand is the more price quotes you have, the higher the chance of saving money. You may even find the most savings is with a small local company. These smaller insurers may only write in your state and offer lower rates as compared to the big name companies such as Progressive or GEICO.

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