1991 Toyota Celica Insurance Quotes – 5 Discounts for Best Rates

Locating low-cost insurance for a Toyota Celica can be a painful process, but you can use a few tricks to save time.

There is a better way to shop for car insurance so you’re going to learn the absolute fastest way to compare rates for a new or used Toyota and get the best price possible from local insurance agents and online providers.

You should take the time to take a look at other company’s rates at least once a year because insurance rates are variable and change quite frequently. Even if you got the lowest rate on Celica coverage a few years ago you can probably find a better price now. Ignore everything you know about car insurance because I’m going to let you in on the secrets to the proper way to eliminate unnecessary coverages and save money.

If you have a current insurance policy or need a new policy, you will benefit by learning to shop for the lowest rates while maximizing coverage. Pricing the cheapest insurance coverage is not that difficult. Vehicle owners just need to know the most effective way to get comparison quotes online.

How to buy insurance

All the larger insurance companies provide pricing directly from their websites. Getting quotes is very simple as you simply enter the coverages you want as detailed in the form. After you submit the form their quoting system makes automated requests for reports for credit and driving violations and returns pricing information based on these and other factors.

Being able to quote online helps simplify price comparisons, but having to visit multiple sites and complete many quote forms can get tiresome after awhile. But it’s absolutely necessary to have as many quotes as possible in order to get better insurance pricing.

The better way to compare rates

A quicker way to get multiple rate quotes is to use a quote form that analyzes rates from several companies at one time. The form is fast, requires less work, and makes comparison shopping a lot less work. Immediately after submitting the form, your coverage is rated and you can select any one of the quote results.

If the quotes result in lower rates, you can simply submit the application and purchase the new policy. The entire process takes just a few minutes to complete and may save quite a bit of money.

To save time and compare pricing, simply click here to open in new window and complete the simple form. If you have a policy now, it’s recommended you complete the form with your coverages just like they are on your policy. Doing this guarantees you are getting a price comparison using the same coverage and limits.

Five discounts for affordable insurance coverage rates

Some providers do not list their entire list of discounts very well, so we took the time to find both the well known as well as the least known savings tricks you should be using when you buy insurance online. If you’re not getting every credit you qualify for, you could be saving more on your insurance coverage.

• Renewal Discounts – A few insurance companies offer discounts for signing up prior to your current policy expiration. This discount can save up to 10%.
• Claim-Free Discount – Drivers with accident-free driving histories get the best insurance coverage rates compared to drivers with a long claim history.
• Telematics Data Discounts – People who choose to allow companies to analyze when and where they use their vehicle by using a telematics device in their vehicle like In-Drive from State Farm and Progressive’s Snapshot might see lower rates if their driving habits are good.
• Student Driver Training – Make teen driver coverage more affordable by requiring them to complete a driver education course as it will make them better drivers and lower rates.
• Auto/Life Discount – Larger insurance companies have a discounted price on car insurance if you buy auto and life insurance together.

Policy discounts save money, but many deductions do not apply the the whole policy. Most only reduce specific coverage prices like liability, collision or medical payments. So even though it sounds like all the discounts add up to a free policy, it just doesn’t work that way.

A list of companies and some of their more popular discounts are:

• Mercury Insurance may have discounts that include professional/association, location of vehicle, multi-policy, low natural disaster claims, and good driver.
• Farmers Insurance includes discounts for distant student, multi-car, bundle discounts, mature driver, and youthful driver.
• Farm Bureau offers discounts for driver training, safe driver, multi-policy, good student, youthful driver, multi-vehicle, and 55 and retired.
• State Farm discounts include Drive Safe & Save, defensive driving training, accident-free, student away at school, and good driver.
• Allstate policyholders can earn discounts including safe driver, EZ pay plan discount, anti-theft, good student, teenSMART discount, and farm vehicle.
• Geico has savings for seat belt use, good student, air bags, membership and employees, and five-year accident-free.

It’s a good idea to ask all companies you are considering which discounts you may be entitled to. Some credits might not be offered on policies in your state. To choose providers that have a full spectrum of discounts, click here.

Tailor your car insurance coverage to you

When it comes to buying the right insurance coverage, there really is not a one size fits all plan. Everyone’s needs are different.

For instance, these questions could help you determine if your situation would benefit from an agent’s advice.

• Is business property covered if stolen from my car?
• Which is better, split liability limits or combined limits?
• When should my teen driver be added to my policy?
• What vehicles should carry emergency assistance coverage?
• At what point should I drop full coverage?
• What is an SR-22 filing?

If you can’t answer these questions but you know they apply to you, you might consider talking to an agent. To find lower rates from a local agent, simply complete this short form. It’s fast, doesn’t cost anything and can help protect your family.

But they said I’d save $455 a year!

Consumers can’t get away from ads for cheaper car insurance by 21st Century, Allstate and State Farm. They all advertise the message that people will save if you just switch your policy.

How is it possible that every company can make almost identical claims?

All the different companies have specific criteria for a prospective insured that earns them the highest profit. For example, this type of driver might have to be between 25 and 40, has never had a claim, and the vehicle is rated for pleasure use. Any customer that hits that “sweet spot” will get low rates and most likely will save some money.

Insureds who may not quite match these criteria will probably have to pay a higher premium which results in the customer not buying. Company advertisements say “people that switch” not “everyone who quotes” save that much. This is how insurance companies can confidently make those claims.

That is why drivers should do a rate comparison at every renewal. You cannot predict which company will have the lowest auto insurance rates for your situation.

Car insurance 101

Learning about specific coverages of your policy can help you determine which coverages you need and the correct deductibles and limits. Insurance terms can be impossible to understand and nobody wants to actually read their policy.

Coverage for uninsured or underinsured drivers – This protects you and your vehicle from other motorists when they are uninsured or don’t have enough coverage. Covered claims include hospital bills for your injuries as well as your vehicle’s damage.

Because many people have only the minimum liability required by law, their liability coverage can quickly be exhausted. So UM/UIM coverage is very important. Usually the UM/UIM limits are similar to your liability insurance amounts.

Comprehensive insurance – Comprehensive insurance coverage pays to fix your vehicle from damage caused by mother nature, theft, vandalism and other events. You first have to pay a deductible and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive insurance covers things like fire damage, theft, hail damage and a broken windshield. The maximum amount 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 dropping full coverage.

Coverage for medical expenses – Personal Injury Protection (PIP) and medical payments coverage reimburse you for expenses for things like hospital visits, nursing services, EMT expenses and rehabilitation expenses. They can be used in conjunction with a health insurance program or if you do not have health coverage. Coverage applies to not only the driver but also the vehicle occupants as well as any family member struck as a pedestrian. PIP is not available in all states and gives slightly broader coverage than med pay

Collision coverages – Collision insurance will pay to fix damage to your Celica from colliding with an object or car. A deductible applies and the rest of the damage will be paid by collision coverage.

Collision coverage protects against claims like sustaining damage from a pot hole, colliding with a tree and rolling your car. Collision is rather expensive coverage, so you might think about dropping it from older vehicles. Drivers also have the option to increase the deductible in order to get cheaper collision rates.

Liability auto insurance – This coverage protects you from damage that occurs to other people or property that is your fault. Liability coverage has three limits: per person bodily injury, per accident bodily injury, and a property damage limit. Your policy might show policy limits of 25/50/25 which stand for $25,000 in coverage for each person’s injuries, a per accident bodily injury limit of $50,000, and a total limit of $25,000 for damage to vehicles and property. Another option is one number which is a combined single limit which provides one coverage limit and claims can be made without the split limit restrictions.

Liability coverage pays for things such as court costs, loss of income and repair costs for stationary objects. How much liability should you purchase? That is your choice, but buy as much as you can afford.

Shop. Compare. Save.

In this article, we presented some good ideas how you can get a better price on 1991 Toyota Celica insurance. The most important thing to understand is the more rate comparisons you have, the higher your chance of finding low cost insurance. You may be surprised to find that the biggest savings come from a small mutual company.

As you restructure your insurance plan, make sure you don’t reduce needed coverages to save money. In too many instances, an insured cut liability limits or collision coverage and learned later that their decision to reduce coverage ended up costing them more. The goal is to find the BEST coverage at a price you can afford.

People leave their current company for a number of reasons such as policy non-renewal, poor customer service, questionable increases in premium and high prices. Regardless of your reason for switching companies, finding a new insurance company can be easy and end up saving you some money.

More detailed insurance information is located in these articles:

• What to do at the Scene of an Accident (Insurance Information Insitute)
• Winter Driving (Insurance Information Insitute)
• Teen Driver Statistics (Insurance Information Insitute)
• Alcohol Impaired Driving FAQ (iihs.org)
• Help Your Teen Be a Better Driver (State Farm)
• State Laws for Cellphones and Texting (iihs.org)