1995 Toyota Celica Insurance Quotes

Looking for cheaper insurance coverage rates for your Toyota Celica? No normal person loves paying for insurance coverage, especially knowing they could lower their rates if they shopped around.

You have multiple insurers to purchase coverage from, and although it’s a good thing to have a choice, lots of choices makes it harder to compare rates and cut insurance costs.

Finding the best rates is not that difficult. Just about anyone who is required by state law to have insurance stands a good chance to be able to cut their insurance bill. Nevertheless, vehicle owners must learn the way insurance companies price online insurance and apply this information to your search.

How to buy insurance coverage online

Shopping for lower insurance coverage rates can be exhausting if you don’t understand the fastest way to get free quotes. You can waste a few hours (or days) talking about coverages with agents in your area, or you can utilize the internet to get prices fast.

Many companies belong to a marketplace that enables customers to send in one quote, and each participating company then gives them pricing based on that information. This saves time by eliminating quote forms for each company you want a rate for.

To find out how much you can save on insurance coverage click here to open in new window.

One minor caviat to doing it this way is buyers cannot specifically choose the providers to get quotes from. So if you prefer to pick individual companies for rate comparison, we have assembled a list of insurance coverage companies in your area. Click to view list.

Take whichever approach you prefer, but do your best to use identical coverage limits on every quote. If you have unequal deductibles or liability limits it will be nearly impossible to make a fair rate comparison. Slightly different insurance coverages could skew the results. And when quoting insurance coverage, remember that comparing a wide range of rates helps improve the odds of finding better pricing.

Do I just need basic coverages?

When it comes to buying adequate coverage for your personal vehicles, there isn’t really a one size fits all plan. Coverage needs to be tailored to your specific needs so your insurance should reflect that For example, these questions might point out if your insurance needs could use an agent’s help.

  • Where can I get insurance after a DUI in my state?
  • Can I get a multi-policy discount for packaging my home and auto coverage?
  • How high should my medical payments coverage be?
  • Does medical payments coverage apply to all occupants?
  • Are there companies who specialize in insuring high-risk drivers?
  • Do I need to file an SR-22 for a DUI in my state?

If you’re not sure about those questions but you know they apply to you, then you may want to think about talking to an agent. To find an agent in your area, complete this form or click here for a list of insurance companies in your area.

What insurance coverages do you need?

Understanding the coverages of your insurance policy can help you determine the right coverages for your vehicles. The coverage terms in a policy can be impossible to understand and even agents have difficulty translating policy wording. Below you’ll find typical coverages found on the average insurance policy.

Uninsured Motorist or Underinsured Motorist insurance

This protects you and your vehicle from other drivers when they either are underinsured or have no liability coverage at all. Covered claims include injuries to you and your family as well as damage to your Toyota Celica.

Because many people carry very low liability coverage limits, their liability coverage can quickly be exhausted. For this reason, having high UM/UIM coverages is a good idea.

Comprehensive coverage (or Other than Collision)

Comprehensive insurance pays for damage caused by mother nature, theft, vandalism and other events. You first must pay your deductible and then insurance will cover the rest of the damage.

Comprehensive coverage protects against things such as damage from flooding, a broken windshield, damage from a tornado or hurricane, falling objects and hail damage. The highest amount a insurance company will pay at claim time is the cash value of the vehicle, so if the vehicle is not worth much consider dropping full coverage.

Insurance for medical payments

Medical payments and Personal Injury Protection insurance kick in for expenses for surgery, prosthetic devices, doctor visits, EMT expenses and pain medications. They are often used to fill the gap from your health insurance plan or if there is no health insurance coverage. Medical payments and PIP cover you and your occupants as well as any family member struck as a pedestrian. Personal injury protection coverage is only offered in select states but can be used in place of medical payments coverage

Auto collision coverage

Collision insurance pays for damage to your Celica caused by collision with a stationary object or other vehicle. You have to pay a deductible and the rest of the damage will be paid by collision coverage.

Collision coverage pays for claims like scraping a guard rail, colliding with a tree, driving through your garage door, hitting a mailbox and crashing into a ditch. Collision is rather expensive coverage, so analyze the benefit of dropping coverage from vehicles that are older. You can also increase the deductible to save money on collision insurance.

Auto liability insurance

Liability insurance can cover damages or injuries you inflict on other people or property by causing an accident. This insurance protects YOU from legal claims by others, and doesn’t cover damage to your own property or vehicle.

Split limit liability has three limits of coverage: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. Your policy might show policy limits of 100/300/100 which stand for $100,000 bodily injury coverage, a total of $300,000 of bodily injury coverage per accident, and a total limit of $100,000 for damage to vehicles and property.

Liability can pay for claims such as structural damage, pain and suffering and repair bills for other people’s vehicles. How much liability coverage do you need? That is your choice, but consider buying higher limits if possible.

Comments About 1995 Toyota Celica Insurance

  1. Charlie Lambert

    I compared a lot of rate quotes for a 1995 Toyota Celica in Grand Forks, ND. Ended up at right around $70 every six months with AAA. Left Encompass to switch. Hopefully won’t need it. My Celica doesn’t have full coverage.

  2. Albina Torres

    Just a quick comment on my experience. I’m from Columbia, SC. Checked online prices for a 1995 Toyota Celica. Ended up at about $70 savings annually. Went with GEICO. Was with Progressive. You can get a rate quote online. I dropped full coverage awhile back.

  3. Trey Odom

    I’m in Dover, DE and need high risk coverage. Help!

  4. Vincent Austin

    Can I get replacement cost coverage for a 1995 Toyota Celica?

  5. Krystin Jacobson

    I live just to the east of Hartford, CT. Quoted with Progressive, Auto-Owners, Farmers, and The General for my Toyota and saved $99 a year. Thankfully I have a good driving record. I only have liability coverage on it.

  6. Lisha Knox

    I live in a small town just outside of Fort Smith, AR. I got free prices from American Family, Encompass, and Sentry for my Toyota and I think I am saving around $30 each month. Left GEICO to switch. Even increased coverage a bit.

  7. Marry Daniels

    Live in the southern part of Missoula, MT. Received rates from Allstate, American Family, and some I forget for my Toyota and am saving around $70 a year.

  8. Myrtis Mcleod

    I’m in the suburbs of Jersey City, New Jersey. Compared rates from a lot of places. Saved right around $20 a month. State Farm was the cheapest for me. Left The General to switch. I think I’ll get rid of full coverage next time.

  9. Cristina Rios

    Thanks for putting this site together. Lifelong resident of Milwaukee, Wisconsin. Quoted quotes from American Family, Sentry, and Travelers for my Celica and saved $65 a year. Hopefully won’t need it. Did it all online. Liability only on my Toyota.

  10. Kenna English

    I’m looking for cheaper coverage. From north side of Fayetteville, AR. I compared lots of rates. Saved right around $20 a month. Allstate was the best choice for me. Just go online and compare their rates. I only have liability coverage on it.

  11. Esmeralda Riggs

    I switched to GEICO. Quoted good rates in Rochester, MN. Get lots of quotes to find the best rate.

  12. Mauro Macias

    Here’s what I found out. Live in the northern part of Gulfport, Mississippi. Received quotes with Hartford, Amica, Safeco, and a couple others for my 1995 Toyota Celica and saved just over $70 a year. Insured with Hanover before.

  13. Haley Harris

    Where is cheaper car insurance? Lifelong resident of Los Angeles, CA. Can’t remember who all I quoted but I ended up saving about $20 each month. They have a lot of discounts available. LOL Full coverage costs too much.

  14. Ciara Hubbard

    If you have a good history and live near Provo, UT, check out Allstate. They seem to be cheaper. I have a couple other vehicles on the policy. Liability only on my Toyota.