Do you think you bought an expensive insurance policy? Believe me when I say many drivers have buyer’s remorse. Due to the abundance of online and local companies to choose from, it’s nearly impossible to choose the best insurance company.
It’s a good idea to do price comparisons once or twice a year because prices are constantly changing. If you had the lowest quotes on MR2 insurance at your last renewal you can probably find a lower rate today. Forget anything you know (or think you know) about insurance because I’m going to let you in on the secrets to how to use the internet to reduce your cost while improving coverage.
Finding the best rates is not that difficult. If you are paying for car insurance now, you should be able to cut costs considerably using these techniques. Consumers just need to learn the most effective way to compare rates over the internet.
Getting low cost 1993 Toyota MR2 insurance coverage pricing is not a difficult process. Drivers just need to spend a few minutes comparing rates from online providers. Rate comparisons can be done in just a few minutes using one of these methods.
The best way to get quotes would be an industry-wide quote request form click here to open form in new window. This form saves time by eliminating repetitive form entry for each company you want a rate for. Just one form gets you price quotes from multiple low-cost companies.
A slightly less efficient method to analyze rates is to take the time to go to the website for each individual company and fill out their own quote form. For examples sake, we’ll assume you want to compare rates from Auto-Owners, Safeco and Allstate. You would have to go to every website to enter your coverage information, which is why the first method is more popular.
For a list of companies in your area, click here.
You can choose any of those ways to find more affodable coverage, but try to use exactly the same coverages on every quote you get. If you have higher or lower deductibles you will not be able to get a fair rate comparison.
Companies that sell car insurance do not advertise the complete list of policy discounts very well, so the list below gives a summary of a few of the more common and also the more inconspicuous discounts that you may qualify for.
Drivers should understand that some credits don’t apply to the entire cost. Most only reduce specific coverage prices like collision or personal injury protection. So even though they make it sound like you could get a free insurance coverage policy, that’s just not realistic.
A list of companies and some of their more popular discounts include:
Double check with every company which discounts you qualify for. Some of the earlier mentioned discounts may not be available in your state. To see insurance coverage companies that offer discounts, follow this link.
When it comes to choosing proper insurance coverage, there really is not a best way to insure your cars. Every situation is different so this has to be addressed. Here are some questions about coverages that might help in determining whether your personal situation might need professional guidance.
If you’re not sure about those questions but you think they might apply to your situation, you might consider talking to a licensed agent. If you want to speak to an agent in your area, simply complete this short form or you can also visit this page to select a carrier It’s fast, free and can provide invaluable advice.
Understanding the coverages of your policy can help you determine which coverages you need and the correct deductibles and limits. The coverage terms in a policy can be impossible to understand and even agents have difficulty translating policy wording. Listed below are typical coverages available from insurance companies.
Liability coverage protects you from damages or injuries you inflict on other people or property. This coverage protects you from legal claims by others. It does not cover your own vehicle damage or injuries.
Liability coverage has three limits: bodily injury per person, bodily injury per accident and property damage. Your policy might show liability limits of 25/50/25 that translate to $25,000 in coverage for each person’s injuries, a total of $50,000 of bodily injury coverage per accident, and $25,000 of coverage for damaged propery.
Liability insurance covers things such as loss of income, court costs, repair costs for stationary objects and legal defense fees. How much coverage you buy is a decision to put some thought into, but buy higher limits if possible.
Your UM/UIM coverage provides protection from other drivers when they either are underinsured or have no liability coverage at all. It can pay for hospital bills for your injuries as well as your vehicle’s damage.
Because many people only carry the minimum required liability limits, it doesn’t take a major accident to exceed their coverage limits. This is the reason having UM/UIM coverage is important protection for you and your family.
This covers damage that is not covered by collision coverage. A deductible will apply and then insurance will cover the rest of the damage.
Comprehensive can pay for claims such as hitting a deer, hail damage, damage from getting keyed and a broken windshield. The maximum payout you can receive from a comprehensive claim is the cash value of the vehicle, so if your deductible is as high as the vehicle’s value consider dropping full coverage.
This will pay to fix damage to your MR2 caused by collision with a stationary object or other vehicle. You will need to pay your deductible then the remaining damage will be paid by your insurance company.
Collision can pay for claims like colliding with another moving vehicle, hitting a mailbox, crashing into a building and crashing into a ditch. This coverage can be expensive, so consider dropping it from older vehicles. It’s also possible to choose a higher deductible in order to get cheaper collision rates.
Personal Injury Protection (PIP) and medical payments coverage provide coverage for immediate expenses like chiropractic care, doctor visits, dental work and hospital visits. The coverages can be used to cover expenses not covered by your health insurance program or if you are not covered by health insurance. Medical payments and PIP cover not only the driver but also the vehicle occupants in addition to any family member struck as a pedestrian. PIP coverage is only offered in select states and gives slightly broader coverage than med pay
Romona Riley
I was with The General last year but switched to State Farm. I live in a small town just outside of Fort Smith, AR. Teenage drivers are expensive! Might find lower rates online. I don’t put full coverage on it.
Corine Dotson
I switched to 21st Century. Quoted good rates in Salem, OR. Insured with MetLife before. Have a couple speeding tickets too. When should I drop full coverage?
Lavona Miranda
What are minimum liability limits required in Nevada?
Rayna Dunlap
I live south of Springfield, MA. Got free quotes online for a 1993 Toyota MR2. Ended up at about $120 savings annually. Went with Progressive. Insured with Eastwood before. LOL I only have liability coverage on it.
Monica Chapman
Cheaper car insurance is a myth. Lifelong resident of Mesa, Arizona. Compared quite a few companies. Saved roughly $30 a month. Allstate was the most affordable for me.
Shantell Garrett
Will GEICO give discounts for good grades?
Sudie Hayes
Do I have to have car insurance in Mississippi?
Annetta Horn
Is GEICO or Allstate cheaper in Los Angeles, California?
Rodrick Crawford
Where is cheaper car insurance? I live in Wichita, Kansas. Compared quite a few companies. Saved about $20 a month. Progressive was the cheapest for me. Was with Mercury.
Maynard Barr
Cheaper car insurance is a myth. Live in Frederick, MD. Got car insurance prices from AIG Insurance, MetLife, and a few others for my 1993 Toyota MR2 and I think I cut my rates about $10 each month. Left Nationwide to switch. I don’t insure for physical damage though.
Natashia Daniels
Nice post. Proud to be from Frederick, MD. I got free prices from AAA, Sentry, and some smaller one I can’t remember the name of for my 1993 Toyota MR2 and saved just over $70 a year. Was with AAA. My new agent seems to be really good. Full coverage costs too much.
Phyliss Wiggins
I got quite a few price quotes for a 1993 Toyota MR2 in Charlotte, NC. Ended up at right around $90 every six months with Auto-Owners. Insured with GEICO before. Have an at-fault accident tho. God forbid I actually have a claim. Only insure liability on my MR2.
Major Thomas
I switched to Allstate. Quoted good rates in Fargo, ND.
Carmelia Buckner
Progressive is pretty cheap in New York! :)
Melynda Blanchard
Thanks for putting this site together. From Hartford, CT. Received prices from American Family, Farmers, and Mercury for my 1993 Toyota MR2 and saved just over $70 a year. Insured with Farmers before. It’s still not cheap enough. I only have liability coverage on it.
Jamison Mayo
Where is cheaper car insurance? Live in the northern part of Detroit, Michigan. I got free prices from Auto-Owners, Sentry, and a few others for my 1993 Toyota MR2 and I think I saved around $20 each month. Might find lower rates online. I don’t insure for physical damage though.
Ines Klein
From south side of Bangor, ME. I quoted with Hanover, Amica, Nationwide, and a couple others for my 1993 Toyota MR2 and I think I cut my rates about $20 each month. Good multi-policy discounts. It never hurts to quote around.
Nilda Carson
I’m in the west part of Paterson, New Jersey. Received quotes from Safeco, Farmers, GEICO, and AAA for my Toyota and saved just over $80 a year. Was with Hanover. Not sure if rates are cheaper online or through an agent.
Billy Strickland
Got pretty cheap 1993 Toyota MR2 insurance from GEICO in Kailua, Hawaii.