1996 Toyota Avalon Insurance Quotes – 8 Tips for Cheapest Rates

Wish you could get a refund on an underperforming, overpriced car insurance policy? Don’t feel bad because you’re not the only one.

People have so many car insurance companies to purchase coverage from, and though it is a good thing to have a selection, it can be more difficult to find the lowest rates.

Buying the best insurance coverage can be fairly easy. Basically, every vehicle owner who shops for insurance coverage most likely will be able to find better rates. Nevertheless, drivers do need to know how the larger insurance companies sell insurance online because it can help you find the best coverage.

How to buy insurance online

The majority of larger companies give prices on the web. Comparing prices online doesn’t take much effort as you just type in your coverage information on the page. Upon sending the form, the quote system automatically retrieves your driving and credit reports and quotes a price based on these factors. This helps simplify price comparisons, but the time required to go to several different sites and type in the same data gets old quite quickly. But it is imperative to compare as many rates as possible if you want to get the best price on insurance.

There is an easier way!

A quicker way to get multiple rate quotes uses one form that gets price quotes from several different companies. It’s a real time-saver, eliminates form submissions, and makes online price comparison a lot less work. As soon as the form is sent, it is quoted and you can select any or none of the resulting price quotes.

If you find a better price it’s easy to complete the application and purchase the new policy. The entire process can be completed in less than 10 minutes and may result in a nice savings.

To quickly get comparison pricing now, click here and submit your coverage information. If you have a policy now, it’s recommended you duplicate deductibles and limits identical to your current policy. This way, you’re receiving rate comparison quotes using the same coverage and limits.

Do insurance coverage companies bend the truth?

Respected companies like State Farm, GEICO and Progressive endlessly run ads on television and other media. They all seem to seem to make the promise that people will save if you switch to them. How can each company give you a better price? Here is the trick they use.

Different companies give the cheapest rates for the type of driver that earns them the most money. An example of a profitable customer might have to be a female over age 40, has no claims, and drives newer vehicles. A customer getting a price quote who meets those qualifications will get very good rates and will probably cut their rates if they switch.

Drivers who do not match those criteria will have to pay a higher rate and ends up with the customer not buying. The ad wording is “people who switch” not “everyone who quotes” save money. That’s why companies can lure you into getting a quote.

This really emphasizes why drivers should quote coverage with many companies. It is impossible to predict which insurance coverage company will have the best premium rates at this point in time.

Drivers save money with these eight discounts

Car insurance companies don’t list every disount available in an easy-to-find place, so the list below gives a summary of a few of the more common and also the lesser-known discounts that you can inquire about if you buy insurance online.

  • Accident-Free Discounts – Insureds with no claims or accidents get the best insurance coverage rates in comparison to accident-prone drivers.
  • Discounts for Responsible Drivers – Insureds without accidents can pay as much as 50% less for Avalon insurance as compared to drivers with claims.
  • Renewal Discounts – Select insurance coverage companies give a discount for switching companies prior to the expiration date on your current policy. The savings is around 10%.
  • Low Mileage Discounts – Low annual miles may allow you to get substantially lower prices.
  • Driver’s Ed – Require your teen driver to enroll in driver’s education in school.
  • Accident Forgiveness – This one isn’t a discount, but a few companies such as GEICO and Liberty Mutual will let one accident slide before raising your premiums as long as you don’t have any claims prior to the accident.
  • Safety Restraint Discount – Drivers who require all vehicle occupants to fasten their seat belts can save up to 10 percent (depending on the company) off the medical payments premium.
  • Pay Upfront and Save – By paying your policy upfront instead of monthly or quarterly installments you can actually save on your bill.

Consumers should know that many deductions do not apply to the entire cost. A few only apply to the price of certain insurance coverages like liability and collision coverage. Just because you may think all the discounts add up to a free policy, it just doesn’t work that way.

Larger insurance coverage companies and a summarized list of policyholder discounts include:

  • GEICO may include discounts for membership and employees, seat belt use, defensive driver, daytime running lights, driver training, and military active duty.
  • SAFECO offers premium reductions for homeowner, safe driver, anti-lock brakes, bundle discounts, accident prevention training, anti-theft, and teen safety rewards.
  • State Farm policyholders can earn discounts including safe vehicle, multiple autos, driver’s education, good student, multiple policy, defensive driving training, and anti-theft.
  • MetLife may offer discounts for good student, good driver, defensive driver, multi-policy, and accident-free.
  • 21st Century has discounts for 55 and older, driver training, theft prevention, good student, and defensive driver.
  • Progressive offers discounts including online quote discount, multi-vehicle, homeowner, continuous coverage, online signing, multi-policy, and good student.

Before buying, ask every company how many discounts you can get. Some credits may not be available everywhere. If you would like to see a list of insurers who offer online insurance coverage quotes, click here to view.

Special considerations

When choosing the best insurance coverage coverage, there really is no cookie cutter policy. Every insured’s situation is different so your insurance should reflect that Here are some questions about coverages that might point out whether or not you would benefit from an agent’s advice.

  • Are my tools covered if they get stolen from my vehicle?
  • When should I buy a commercial auto policy?
  • What are the financial responsibility laws in my state?
  • How high should my uninsured/underinsured coverage be in my state?
  • At what point should I drop full coverage?
  • When should I remove comp and collision on my 1996 Toyota Avalon?
  • Does coverage extend to my business vehicle?
  • Should I waive the damage coverage when renting a car?

If it’s difficult to answer those questions, you may need to chat with a licensed agent. If you don’t have a local agent, complete this form or you can also visit this page to select a carrier

Insurance policy coverages for a Toyota Avalon

Learning about specific coverages of a insurance policy helps when choosing the best coverages at the best deductibles and correct limits. Insurance terms can be ambiguous and reading a policy is terribly boring. Below you’ll find the normal coverages available from insurance companies.

Collision coverage protection

Collision insurance covers damage to your Avalon from colliding with another vehicle or an object, but not an animal. You will need to pay your deductible then your collision coverage will kick in.

Collision coverage protects against claims like crashing into a building, backing into a parked car, colliding with a tree and crashing into a ditch. Paying for collision coverage can be pricey, so consider removing coverage from vehicles that are older. It’s also possible to raise the deductible to bring the cost down.

Auto liability

This coverage will cover damages or injuries you inflict on a person or their property. It consists of 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 that translate to $25,000 in coverage for each person’s injuries, $50,000 for the entire accident, and $25,000 of coverage for damaged propery. Occasionally you may see one number which is a combined single limit which provides one coverage limit rather than limiting it on a per person basis.

Liability coverage pays for claims such as repair bills for other people’s vehicles, medical expenses, bail bonds, loss of income and repair costs for stationary objects. How much liability coverage do you need? That is a personal decision, but you should buy as large an amount as possible.

Comprehensive coverage (or Other than Collision)

Comprehensive insurance coverage covers damage that is not covered by collision coverage. You first have to pay a deductible and then insurance will cover the rest of the damage.

Comprehensive coverage pays for things like hail damage, hitting a deer, theft and vandalism. The highest amount you can receive from a comprehensive claim is the market value of your vehicle, so if the vehicle is not worth much it’s not worth carrying full coverage.

Insurance for medical payments

Personal Injury Protection (PIP) and medical payments coverage provide coverage for short-term medical expenses for surgery, ambulance fees, nursing services and hospital visits. They are utilized in addition to your health insurance plan or if you lack health insurance entirely. Medical payments and PIP cover all vehicle occupants as well as getting struck while a pedestrian. PIP is only offered in select states but it provides additional coverages not offered by medical payments coverage

Uninsured Motorist or Underinsured Motorist insurance

Your UM/UIM coverage gives you protection from other motorists when they either are underinsured or have no liability coverage at all. Covered losses include injuries sustained by your vehicle’s occupants as well as your vehicle’s damage.

Due to the fact that many drivers 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. Normally these coverages are identical to your policy’s liability coverage.

Saving money makes a lot of cents

A few companies may not provide rate quotes online and many times these regional carriers only sell through independent agents. The cheapest 1996 Toyota Avalon insurance is definitely available both online and from local agencies, and you need to comparison shop both in order to have the best chance of saving money.

We just covered a lot of tips how to reduce 1996 Toyota Avalon insurance car insurance rates online. The key concept to understand is the more rate quotes you have, the better likelihood of getting inexpensive insurance. Drivers may discover the best price on auto insurance is with a smaller regional carrier. These smaller insurers can often insure niche markets at a lower cost as compared to the big name companies such as Allstate, GEICO and Progressive.

More learning opportunities

Comments About 1996 Toyota Avalon Insurance

  1. Allan Rivers

    From west side of Idaho Falls, ID. Quoted with Allstate, Liberty Mutual, and Eastwood for my 1996 Toyota Avalon and I think I saved around $20 each month. I get a discount for insuring multiple vehicles. Not sure if rates are cheaper online or not. My Avalon doesn’t have full coverage.

  2. Echo Sharpe

    Nice post. From a town just southwest of Greensboro, North Carolina. Quoted prices from Hanover, AIG Insurance, Sentry, and a couple others for my Avalon and saved $103 a year. I have kids on my policy, too. I quoted rates online then called them.

  3. Marry Espinoza

    If you have a good history and live in the vicinity of Kailua, HI, check out State Farm. They seem to be cheaper. Insured with State Farm before. I get lower rates because of my clean driving record. Get lots of quotes to find the best rate. When should I drop full coverage?

  4. Shandra Lee

    What are minimum liability limits required in Texas?

  5. Basil Moss

    If you have a clean record and live in the vicinity of Greensboro, NC, check out Progressive. They seem to be cheaper. Left Travelers to switch. I increased coverages a little too. I just quoted rates online.

  6. Sudie Sosa

    From northwest of Burlington, VT. Can’t remember who all I quoted but I ended up saving about $30 each month. I just quoted rates online. When should I drop full coverage?

  7. Genevie Kelley

    Well-written and thought out article. I’m in the suburbs of Grand Forks, North Dakota. Went online for free insurance quotes for a 1996 Toyota Avalon. Ended up at about $70 savings annually. Went with Allstate. Was with Allstate. God forbid I actually have a claim.

  8. Edda Woods

    Good site, thanks. Proud to be from Norfolk, VA. Compared quite a few companies. Saved right around $20 a month. 21st Century was the cheapest for me. Not worth enough to pay for comprehensive and collision.

  9. Elwood Peters

    Anyone understand their policy?

  10. Anjelica Rivera

    Is Allstate cheaper than Progressive in Oklahoma City, Oklahoma?

  11. Jerri Wilkins

    Hope my car insurance gets cheaper. I live in Manchester, NH. I quoted with State Farm, American Family, and Encompass for my Toyota and I think I cut my rates about $20 each month. I quoted rates online then called them.

  12. Melaine Dyer

    I found affordable 1996 Toyota Avalon insurance from 21st Century in Grand Forks, ND.

  13. Kyung Weeks

    Does Montana have minimum liability laws?

  14. Pamela Henry

    If you have a clean record and live in the vicinity of Bangor, ME, check out State Farm. They seem to be cheaper. Insured with American Family before. Online quotes are the way to go. I don’t have comp or collision coverage.

  15. Sonny Collins

    All companies are crooks. From a town just southwest of Fort Wayne, IN. Quoted with AAA, MetLife, and Western Auto Insurance for my Toyota and I think I cut my rates about $20 each month. Online quotes are the way to go.

  16. Dayna Aguirre

    Are custom wheels covered by insurance?