Cheap 1996 Toyota Celica Car Insurance Rates

Looking for cheaper car insurance rates? Shoppers have options when shopping for affordable Toyota Celica insurance. They can either waste time calling around to get rate comparisons or leverage the internet to find the lowest rates.

There are more efficient ways to find car insurance online and we’ll show you the proper way to quote coverages for your Toyota and get the best price possible from both online companies and local agents.

It’s important to get comparison quotes occasionally since rates go up and down regularly. If you had the best premium rates on Celica coverage last year you can probably find a better price now. Block out anything you think you know about car insurance because you’re about to find out the right way to properly buy coverages while reducing your premium.

Auto insurance quotes and discounts

Auto insurance companies do not advertise the entire discount list in a way that’s easy to find, so the list below details some of the best known and also the lesser-known savings tricks you should be using when you buy insurance online.

  • Save with More Vehicles Insured – Purchasing coverage when you have multiple vehicles on the same auto insurance policy can get a discount on all vehicles.
  • Buy New and Save – Insuring a vehicle that is new is cheaper since new model year vehicles have better safety ratings.
  • Memberships – Affiliation with qualifying clubs or civic groups is a simple method to lower premiums on your policy.
  • Theft Deterent – Cars, trucks, and SUVs with anti-theft systems are stolen with less frequency and qualify for as much as a 10% discount.
  • Drivers Education – Teen drivers should enroll in driver’s education if it’s offered in school.
  • Auto/Life Discount – Not all companies offer life insurance, but some may give you better prices if you take out life insurance from them.
  • Anti-lock Brake Discount – Cars and trucks with ABS and/or traction control are safer to drive and will save you 10% or more.
  • Discount for Home Ownership – Owning a house can help you save on auto insurance due to the fact that maintaining a home demonstrates responsibility.

Keep in mind that some of the credits will not apply the the whole policy. Most only cut the cost of specific coverages such as liability, collision or medical payments. So even though they make it sound like all the discounts add up to a free policy, you aren’t that lucky.

A few of the larger companies and their offered discounts are outlined below.

  • State Farm policyholders can earn discounts including multiple policy, Steer Clear safe driver discount, good driver, defensive driving training, safe vehicle, and passive restraint.
  • Nationwide offers discounts including family plan, easy pay, accident-free, business or organization, multi-policy, and Farm Bureau membership.
  • GEICO may offer discounts for driver training, anti-theft, membership and employees, good student, and seat belt use.
  • AAA has savings for good driver, multi-car, education and occupation, pay-in-full, anti-theft, AAA membership discount, and multi-policy.
  • 21st Century may have discounts that include air bags, automatic seat belts, good student, 55 and older, defensive driver, homeowners, and early bird.
  • The Hartford includes discounts for good student, defensive driver, air bag, driver training, and anti-theft.

Check with every company to give you their best rates. Some discounts might not apply in every state. To locate insurers that offer multiple discounts, click here.

How insurers determine Toyota Celica insurance rates

One of the most helpful ways to save on insurance coverage is to to have a grasp of the different types of things that help calculate insurance coverage rates. When you know what positively or negatively positively or negatively impacts your premiums, this allows you to make good choices that may reward you with cheaper rates. Many things are used in the calculation when premium rates are determined. Some are pretty understandable such as your driving record, although others are more transparent like where you live or your commute time.

  • More stress means more cost – Did you know your insurance coverage rates can be affected by your occupation? Jobs like judges, social workers and miners tend to have higher premiums than the average policyholder in part from job stress and lengthy work days. On the flip side, jobs such as actors, students and retirees get better rates on Celica coverage.
  • Improve your credit history – An insured’s credit score is a large factor in determining what you pay for insurance coverage. Therefore, if your credit history could use some work, you could be paying less to insure your 1996 Toyota Celica if you improve your credit rating. People with good credit tend to be better risks to insure than those with lower credit scores.
  • Don’t skimp on liability insurance – Liability insurance will provide protection if ever a jury decides you are liable for an accident. It provides you with a defense in court to defend your case. This coverage is relatively inexpensive compared to comp and collision, so insureds should have plenty of protection for their assets.
  • Better rates on safer vehicles – Safe vehicles get lower rates. Vehicles built for safety reduce injuries and reduced instances of injuries translates into fewer and smaller insurance claims and cheaper rates on your policy. If your Toyota Celica earned at least an “acceptable” rating on the Insurance Institute for Highway Safety website or four stars on the National Highway Traffic Safety Administration website you may pay a lower rate.
  • Better drivers pay the best premiums – Careful drivers get better rates compared to bad drivers. Having just one speeding ticket could increase your next policy renewal by as much as twenty percent. People who have multiple violations such as DUI, reckless driving or excessive speeding may be required to submit a SR-22 form with their state DMV in order to continue driving.
  • Lower rates by increasing coverage deductibles – Physical damage insurance, also known as collision and other-than-collision, covers damage that occurs to your Toyota. Some examples of covered claims are a broken windshield, damage caused by hail, and damage from a fallen tree branch. Comp and collision deductibles tell how much the insured will be required to pay if the claim is covered. The higher the amount you have to pay, the lower your rates will be on Celica coverage.

Situations that may require an agent’s advice

When buying coverage for your personal vehicles, there really is not a single plan that fits everyone. Your needs are not the same as everyone else’s.

For example, these questions may help highlight if you could use an agent’s help.

  • Do I pay less if my vehicle is kept in my garage?
  • What is covered by UM/UIM coverage?
  • Who is covered when they drive my 1996 Toyota Celica?
  • Is my camper covered by my car insurance policy?
  • Does coverage extend to a rental car in a foreign country?
  • Does car insurance cover theft of personal property?

If it’s difficult to answer those questions but a few of them apply, you might consider talking to an insurance agent. To find an agent in your area, complete this form. It only takes a few minutes and may give you better protection.

Educate yourself about insurance coverages

Knowing the specifics of a insurance policy can be of help when determining appropriate coverage for your vehicles. The terms used in a policy can be ambiguous and reading a policy is terribly boring.

Uninsured and underinsured coverage – Uninsured or Underinsured Motorist coverage gives you protection when other motorists are uninsured or don’t have enough coverage. It can pay for medical payments for you and your occupants as well as damage to your Toyota Celica.

Due to the fact that many drivers only purchase the least amount of liability that is required, their limits can quickly be used up. That’s why carrying high Uninsured/Underinsured Motorist coverage is a good idea. Frequently these coverages do not exceed the liability coverage limits.

Coverage for medical payments – Med pay and PIP coverage kick in for immediate expenses for rehabilitation expenses, doctor visits and ambulance fees. They can be used in conjunction with a health insurance policy or if you are not covered by health insurance. Coverage applies to not only the driver but also the vehicle occupants and also covers being hit by a car walking across the street. Personal injury protection coverage is not universally available but can be used in place of medical payments coverage

Collision coverage – This coverage pays to fix your vehicle from damage from colliding with a stationary object or other vehicle. You have to pay a deductible then your collision coverage will kick in.

Collision coverage protects against things such as crashing into a building, colliding with another moving vehicle, colliding with a tree, driving through your garage door and hitting a parking meter. Paying for collision coverage can be pricey, so analyze the benefit of dropping coverage from vehicles that are older. Drivers also have the option to choose a higher deductible to get cheaper collision coverage.

Liability coverages – Liability insurance can cover damage that occurs to a person or their property. It protects you from claims by other people, and does not provide coverage for your own vehicle damage or injuries.

Liability coverage has three limits: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. As an example, you may have limits of 25/50/25 that translate to a $25,000 limit per person for injuries, a total of $50,000 of bodily injury coverage per accident, and $25,000 of coverage for damaged propery. Occasionally you may see a combined single limit or CSL which provides one coverage limit without having the split limit caps.

Liability insurance covers things such as repair bills for other people’s vehicles, repair costs for stationary objects, legal defense fees and funeral expenses. How much liability coverage do you need? That is your choice, but consider buying as large an amount as possible.

Comprehensive coverages – Comprehensive insurance coverage pays for damage from a wide range of events other than collision. You first must pay your deductible and then insurance will cover the rest of the damage.

Comprehensive coverage pays for things like fire damage, vandalism, damage from flooding and theft. The most you’ll receive from a claim is the ACV or actual cash value, so if the vehicle is not worth much it’s not worth carrying full coverage.

More choices the merrier

Insureds leave their current company for a number of reasons such as delays in paying claims, questionable increases in premium, policy cancellation and even policy non-renewal. It doesn’t matter why you want to switch switching companies is less work than it seems.

When getting insurance quotes online, it’s very important that you do not buy poor coverage just to save money. There are too many instances where an insured cut uninsured motorist or liability limits and found out when filing a claim that the few dollars in savings costed them thousands. The goal is to find the BEST coverage at an affordable rate but still have enough coverage for asset protection.

You just learned quite a bit of information on how to shop for 1996 Toyota Celica insurance online. The key thing to remember is the more you quote insurance, the better your chances of lowering your rates. You may even discover the lowest prices are with a small mutual company.

More tips and info about insurance coverage is available in these articles:

Comments About 1996 Toyota Celica Insurance

  1. Sindy Oliver

    Hope my rates come down. Went with Western Auto Insurance for my Celica and cut my rates about $80 a year. Left AIG Insurance to switch. I don’t have comp or collision coverage.

  2. Kathlene Mckinney

    I live just outside Tulsa, Oklahoma. Received prices from 21st Century, The General, and Encompass for my Toyota and saved $70 a year. Switched homeowners coverage too. It was easy to get rates.

  3. Micah Oliver

    I got decent rates for a 1996 Toyota Celica in Birmingham, AL. Ended up at about $80 every six months with AAA. Not sure about claim service. I’m thinking about dropping full coverage though.

  4. Sung Frye

    I got decent rates for a 1996 Toyota Celica in New Haven, Connecticut. Ended up at darn near $80 every six months with AAA. I get multi-vehicle and multi-policy discounts. Online quotes are the way to go.

  5. Gordon Morton

    Why are claims settled so low?

  6. Arminda Flores

    Mine is so expensive. Proud to be from Buffalo, New York. Quoted prices from Mercury, Erie, State Farm, and Auto-Owners for my Toyota and saved just over $80 a year. Teenage drivers are expensive! :P Only insure liability on my Celica.

  7. Neal Wagner

    Why are claims settled so low?