View 2014 Toyota Yaris Car Insurance Quotes

Looking for lower insurance coverage rates for your Toyota Yaris? Perplexed by the dozens of insurance coverage choices? Lot’s of other consumers are too. Drivers have so many options that it can quickly become a ton of work to find the best price.

Take discounts and save

Insuring your vehicles can cost a lot, but discounts can save money and there are some available that you may not even be aware of. A few discounts will automatically apply at the time of purchase, but less common discounts must be specifically requested before you will receive the discount.

  • Own a Home – Simply owning a home can save you money because maintaining a house shows financial diligence.
  • Safe Drivers – Insureds without accidents can get discounts for up to 45% lower rates for Yaris insurance than less cautious drivers.
  • Drivers Education – Cut your cost by having your teen driver take driver’s ed class in high school.
  • Life Insurance Discount – Some companies give better rates if you take out auto and life insurance together.
  • Low Mileage Discounts – Fewer annual miles on your Toyota can earn discounted rates on garaged vehicles.
  • Early Signing – A few companies offer discounts for signing up prior to your current policy expiring. This can save 10% or more.

Drivers should understand that most discounts do not apply to your bottom line cost. Some only reduce individual premiums such as comp or med pay. So even though it sounds like it’s possible to get free car insurance, you’re out of luck. But all discounts will cut the cost of coverage.

Car insurance companies that possibly offer these money-saving discounts include:

Before buying, ask each company how you can save money. All car insurance discounts might not apply everywhere.

How to Get Cheap Insurance Coverage

To find the best insurance coverage prices, there are several ways to compare rate quotes and find the best price. The recommended way to compare 2014 Toyota Yaris insurance prices consists of obtaining rate quotes online. It is quite easy and can be accomplished in several different ways.

  • The single most time-saving way consumers can analyze rates is an all-inclusive rate comparison click to view form in new window. This form eliminates the need for a different quote for each company you want a rate for. One simple form gets you coverage quotes from several companies. This is by far the quickest method.
  • A different way to shop for insurance coverage online is to take the time to go to each company website and complete a new quote form. For example, let’s say you want to compare Allstate, Liberty Mutual and Travelers. To find out each rate you need to visit each site and enter your policy data, which is why the first method is quicker. For a list of links to companies insuring cars in your area, click here.
  • The least recommended method to compare rates is to spend your day driving to insurance agents’ offices. The ability to buy insurance online can eliminate the need for a local agent unless you prefer the personal advice only provided by licensed agents. Drivers can compare the best prices online but still have the advice of a local agent.

It’s up to you how you get prices quotes, just ensure you are comparing apples-to-apples coverages on every quote you get. If each company quotes differing limits it will be very difficult to determine which rate is truly the best. Just a small difference in insurance coverages can mean a large discrepancy in price. And when comparing insurance coverage rates, know that comparing a large number of companies will enable you to find lower pricing.

Which policy gives me the best coverage?

When it comes to choosing the best insurance coverage coverage, there really is no cookie cutter policy. Each situation is unique.

Here are some questions about coverages that can help discover whether your personal situation might need an agent’s assistance.

  • Is my 2014 Toyota Yaris covered for smoke damage?
  • How do I insure my teen driver?
  • Am I covered when driving in Canada or Mexico?
  • Can my babysitter drive my car?
  • Why does it cost so much to insure a teen driver?
  • Who is covered by my policy?
  • Should I buy additional glass protection?
  • What are the financial responsibility laws in my state?
  • Is my dog or cat covered if injured in an accident?

If it’s difficult to answer those questions, you may need to chat with a licensed insurance agent. To find lower rates from a local agent, fill out this quick form.

Learn about insurance coverages for a Toyota Yaris

Having a good grasp of your policy helps when choosing which coverages you need at the best deductibles and correct limits. The coverage terms in a policy can be confusing and coverage can change by endorsement.

Auto collision coverage

Collision coverage 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 coverage pays for claims like backing into a parked car, driving through your garage door and rolling your car. Paying for collision coverage can be pricey, so consider removing coverage from lower value vehicles. Another option is to choose a higher deductible to save money on collision insurance.

Liability coverage

Liability coverage protects you from damages or injuries you inflict on other people or property. It protects you from legal claims by others, and does not provide coverage for your injuries or vehicle damage.

Liability coverage has three limits: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You commonly see policy limits of 50/100/50 that means you have a $50,000 limit per person for injuries, $100,000 for the entire accident, and a limit of $50,000 paid for damaged property. Alternatively, you may have one limit called combined single limit (CSL) which limits claims to one amount without having the split limit caps.

Liability can pay for things such as loss of income, legal defense fees, bail bonds, emergency aid and repair bills for other people’s vehicles. The amount of liability coverage you purchase is your choice, but consider buying higher limits if possible.

Medical expense insurance

Med pay and PIP coverage provide coverage for immediate expenses like surgery, EMT expenses and pain medications. They can be used to fill the gap from your health insurance program or if you are not covered by health insurance. They cover both the driver and occupants in addition to if you are hit as a while walking down the street. PIP is not universally available and may carry a deductible

Comprehensive (Other than Collision)

This coverage pays to fix your vehicle from damage that is not covered by collision coverage. You first must pay your deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive insurance covers things like a tree branch falling on your vehicle, fire damage and vandalism. The highest amount you can receive from a comprehensive claim is the market value of your vehicle, so if it’s not worth much more than your deductible it’s probably time to drop comprehensive insurance.

Protection from uninsured/underinsured drivers

This coverage protects you and your vehicle’s occupants when other motorists either are underinsured or have no liability coverage at all. This coverage pays for hospital bills for your injuries as well as your vehicle’s damage.

Due to the fact that many drivers only carry the minimum required liability limits, it only takes a small accident to exceed their coverage. This is the reason having UM/UIM coverage is very important. Normally the UM/UIM limits are identical to your policy’s liability coverage.

Save your cold hard cash

When trying to cut insurance costs, it’s not a good idea to skimp on critical coverages to save a buck or two. Too many times, an insured dropped uninsured motorist or liability limits only to regret that their decision to reduce coverage ended up costing them more. The ultimate goal is to purchase plenty of coverage at the best price while still protecting your assets.

We just showed you many tips how you can reduce 2014 Toyota Yaris insurance prices online. The key thing to remember is the more providers you compare, the better chance you’ll have of finding lower rates. You may be surprised to find that the biggest savings come from a lesser-known regional company.

Cheaper insurance can be bought from both online companies and with local insurance agents, and you need to price shop both to have the best selection. Some car insurance companies do not offer online quoting and usually these small, regional companies provide coverage only through local independent agents.

More information is located at the links below