View 1996 Toyota Previa Car Insurance Cost

Searching for cheaper auto insurance rates for your Toyota Previa? If you are new to online price comparisons, there’s a good chance you are confused by the crazy number of companies offering insurance.

Find discounts on car insurance

Some providers don’t always list every possible discount in an easy-to-find place, so the list below contains a few of the more common and the harder-to-find discounts that you may qualify for.

  • Student in College – Youth drivers who are attending college and leave their car at home could qualify for this discount.
  • Payment Method – By making one initial payment rather than spreading payments over time you can avoid monthly service charges.
  • Discount for Life Insurance – Some car insurance companies give lower prices if you buy some life insurance in addition to your auto policy.
  • Driver’s Education for Students – It’s a good idea to have your young drivers successfully complete driver’s ed class as it will make them better drivers and lower rates.
  • Discounts for Responsible Drivers – Drivers who don’t get into accidents can save as much as half off their rates for Previa coverage than drivers with accident claims.
  • Federal Government Employee – Active or retired federal employment may qualify for a discount when you quote car insurance for Previa coverage with certain companies.
  • Defensive Driver Discount – Taking part in a defensive driving class can save you 5% or more and easily recoup the cost of the course.
  • Theft Deterent System – Vehicles optioned with advanced anti-theft systems can help prevent theft and will save you 10% or more.

It’s important to understand that most discounts do not apply to your bottom line cost. Most only reduce specific coverage prices like physical damage coverage or medical payments. Just because you may think all those discounts means the company will pay you, insurance companies wouldn’t stay in business.

Some companies that may offer some of the above discounts are:

When quoting, ask every company to give you their best rates. Some discounts listed above may not apply to policies in your area. If you would like to choose from a list of insurers that offer many of these discounts, click here.

What determines Toyota Previa insurance premiums?

The best way to find cheaper car insurance is to take a look at the different types of things that play a part in calculating the price you pay for car insurance. If you have a feel for what influences your rates, this allows you to make good choices that could result in much lower annual insurance costs. Lots of factors are used in the calculation when pricing auto insurance. Some of the criteria are obvious such as your driving history, but other factors are not quite as obvious such as your marital status or how financially stable you are.

  • Infrequent drivers can save – The more miles you rack up on your Toyota annually the higher your rate. Most companies charge to insure your cars based on their usage. Autos that have low annual miles receive better premium rates than vehicles that are driven to work every day. It’s a smart idea to ensure your declarations sheet is showing the proper vehicle usage. Improper usage on your Previa may be costing you.
  • Teenagers vs. experienced drivers – More experienced drivers have been proven to be more responsible, are lower risk to insure and get fewer tickets.Teen drivers have a tendency to be easily distracted when behind the wheel and because of this, their car insurance rates are much higher.
  • Prevent theft and save – Driving a car with anti-theft technology or alarm system can save you some money. Theft deterrent systems like GM’s OnStar, tamper alarm systems and vehicle immobilizers all help stop car theft and help bring rates down.
  • Big city or small town – Residing in less populated areas of the country has it’s advantages when buying car insurance. Fewer drivers means less chance of accidents and a lower car theft rate. City drivers regularly have more auto accidents and much longer commute distances. Higher commute times translates into higher accident risk.
  • Avoid coverage lapses – Driving any period of time without insurance is illegal and as a result your rates will increase for letting your insurance expire. Not only will rates go up, being ticketed for driving with no insurance can result in a license revocation or jail time. You could then be forced to provide proof of insurance in the form of an SR-22 filing with your state DMV.
  • Policy add-ons add up – Insurance policies have a lot of additional extra coverages that you can buy on your Previa policy. Coverage for things like personal injury protection, accident forgiveness, and extra life insurance coverage are examples of these. They may sound like good ideas when deciding what coverages you need, but your needs may have changed so consider taking them off your policy.
  • Traffic violations mean higher prices – Even a single driving citation can bump up the cost by as much as thirty percent. Good drivers receive lower rates as compared to careless drivers. People who have dangerous violations such as DUI, reckless driving or excessive speeding may need to submit a SR-22 or proof of financial responsibility with their state’s department of motor vehicles in order to drive a vehicle legally.

Tailor your auto insurance coverage to you

When buying the right insurance coverage, there is no “perfect” insurance plan. Every insured’s situation is different.

For instance, these questions may help you determine whether your personal situation will benefit from professional help.

  • Am I covered when driving someone else’s vehicle?
  • If my pet gets injured in an accident are they covered?
  • Am I covered when driving a rental car?
  • Is rental equipment covered for theft or damage?
  • Do I have coverage when making deliveries for my home business?
  • What companies insure drivers after a DUI or DWI?
  • Do I need PIP (personal injury protection) coverage in my state?

If it’s difficult to answer those questions but you know they apply to you then you might want to talk to a licensed insurance agent. To find lower rates from a local agent, fill out this quick form.

Insurance coverages explained

Having a good grasp of insurance helps when choosing the right coverages and the correct deductibles and limits. The coverage terms in a policy can be difficult to understand and reading a policy is terribly boring.

Med pay and Personal Injury Protection (PIP)

Personal Injury Protection (PIP) and medical payments coverage provide coverage for bills like doctor visits, hospital visits, chiropractic care and EMT expenses. The coverages can be used to cover expenses not covered by your health insurance program or if you lack health insurance entirely. It covers both the driver and occupants as well as if you are hit as a while walking down the street. Personal injury protection coverage is only offered in select states and gives slightly broader coverage than med pay

Liability coverage

Liability coverage will cover damages or injuries you inflict on other people or property. It protects YOU against other people’s claims. Liability doesn’t cover your injuries or vehicle damage.

Coverage consists of three different limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. As an example, you may have policy limits of 100/300/100 which means $100,000 bodily injury coverage, a limit of $300,000 in injury protection per accident, and property damage coverage for $100,000. Some companies may use a combined limit which limits claims to one amount rather than limiting it on a per person basis.

Liability can pay for things like repair costs for stationary objects, structural damage and court costs. How much coverage you buy is a personal decision, but it’s cheap coverage so purchase as much as you can afford.

Comprehensive insurance

This coverage covers damage from a wide range of events other than collision. You need to pay your deductible first and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive insurance covers things such as a broken windshield, damage from a tornado or hurricane and falling objects. The maximum amount you’ll receive from a claim is the market value of your vehicle, so if the vehicle’s value is low it’s probably time to drop comprehensive insurance.

Collision insurance

Collision insurance pays to fix your vehicle from damage caused by collision with an object or car. You will need to pay your deductible and then insurance will cover the remainder.

Collision insurance covers claims like backing into a parked car, colliding with another moving vehicle and scraping a guard rail. Collision is rather expensive coverage, so you might think about dropping it from vehicles that are 8 years or older. Drivers also have the option to raise the deductible to get cheaper collision coverage.

Uninsured/Underinsured Motorist (UM/UIM)

This coverage provides protection from other drivers when they are uninsured or don’t have enough coverage. This coverage pays for injuries sustained by your vehicle’s occupants and also any damage incurred to your Toyota Previa.

Since many drivers only purchase the least amount of liability that is required, their limits can quickly be used up. So UM/UIM coverage is important protection for you and your family. Normally the UM/UIM limits are similar to your liability insurance amounts.

Smart consumers save more

When searching for inexpensive car insurance quotes, do not skimp on critical coverages to save a buck or two. There have been many situations where consumers will sacrifice liability coverage limits to discover at claim time that the small savings ended up costing them much more. Your objective should be to buy the best coverage you can find at the best price while not skimping on critical coverages.

Insureds switch companies for any number of reasons including delays in paying claims, unfair underwriting practices, questionable increases in premium and lack of trust in their agent. It doesn’t matter what your reason, choosing a new insurance company is not as hard as you think.

Throughout this article, we presented many tips how you can save on 1996 Toyota Previa insurance. The key thing to remember is the more rate comparisons you have, the higher the chance of saving money. Consumers may even find the lowest premium rates come from a small mutual company.

More detailed insurance coverage information is available at these sites:

Comments About 1996 Toyota Previa Insurance

  1. Merideth Frost

    Will 21st Century insure with a DUI in Indianapolis, Indiana?

  2. Aleida Riddle

    Live in Charlotte, North Carolina. I got free rates from Amica, Safeco, and USAA for my 1996 Toyota Previa and saved $88 a year. Even increased my liability limits. Full coverage costs too much.

  3. Christene Copeland

    Does Progressive have low rates for teen drivers?

  4. Glinda House

    Just my two cents. I’m just north of Salem, OR. Received quotes with AIG Insurance, Safeco, and some smaller one I can’t remember the name of for my Previa and I think I am saving around $20 each month. A clean driving record helps. I just carry liability insurance.

  5. Mirian Holloway

    I compared a lot of rate quotes for a 1996 Toyota Previa in Fairbanks, Alaska. Ended up at darn near $70 every six months with Auto-Owners. Left Travelers to switch. Even increased coverage a bit.

  6. Emelda Wilcox

    From north side of Boise, Idaho. I quoted with Hartford, American Family, Sentry, and a couple others for my Toyota and saved $76 a year. Just liability coverage since it’s getting old.

  7. Alina Erickson

    Does Rhode Island have minimum liability requirements?

  8. Amber Martin

    Just a quick comment on my experience. Went with MetLife for my Toyota and cut my rates about $70 a year. Good multi-policy discounts. Online quotes are the way to go.

  9. Shaneka Foster

    I’m in Albuquerque, NM. Can’t remember who all I quoted but I ended up saving about $30 each month. Was with GMAC. :P I just carry liability insurance.

  10. Antonina Rodriguez

    Live in the western part of Cranston, RI. I quoted with AIG Insurance, Sentry, and some smaller one I can’t remember the name of for my 1996 Toyota Previa and I think I am saving around $20 each month. Left AAA to switch. I’m a pretty good driver though. I just quoted rates online. It’s only liability tho.

  11. Edda Sexton

    I’m looking for cheaper coverage. Lifelong resident of Jacksonville, FL. I got free quotes from Progressive, American Family, and Eastwood for my Previa and I think I cut my rates about $20 each month. BTW speeding tickets are not good. They have free quotes online. I just carry liability insurance.

  12. Azalee Farrell

    Here’s my info. From a town just southwest of Parkersburg, West Virginia. Compared rates from a lot of places. Saved roughly $20 a month. State Farm was the best choice for me. Thankfully I have a good driving record. I got a quote from their website. I don’t have comp or collision coverage.