How Much Does 1997 Toyota Celica Insurance Cost?

Searching for lower auto insurance rates? Consumers have many options when looking for affordable Toyota Celica insurance. You can either waste hours calling around to get rate comparisons or utilize the internet to find the lowest rates.

There are both good and bad ways to compare auto insurance rates so you’re going to learn the proper way to compare rates for your Toyota and obtain the cheapest rates either online or from local insurance agents.

It’s a great practice to price shop coverage before your policy renews since insurance prices change quite often. Even if you got the best deal on Celica insurance at your last renewal there is a good chance you can find better premium rates now. Block out anything you think you know about auto insurance because you’re going to learn how to use the internet to lower your annual insurance bill.

Smart buyers know how to buy car insurance cheaper

One of the most helpful ways to save on car insurance is to to have a grasp of some of the elements that help calculate the price you pay for car insurance. If you understand what controls the rates you pay, this allows you to make good choices that can help you get cheaper rates.

The following are a few of the things used by your company to calculate premiums.

  • Frequent insurance claims will cost you – If you’re an insured who likes to file claims you can expect either policy cancellation or increased premiums. Companies give most affordable rates to insureds who file claims infrequently. Your car insurance is intended for more catestrophic claims.
  • Don’t let your coverage lapse – Driving with no insurance can get you a ticket and as a result your rates will increase for letting your coverage cancel without a new policy in place. Not only will rates go up, getting caught without coverage may earn you fines and jail time.
  • Use one insurance company and save – Most insurers will give lower prices to insureds who buy several policies from them in the form of a multi-policy discount. Even though this discount sounds good, you still need to get quotes from other companies to guarantee you are still saving the most. You may still save even more than the discount by splitting coverages up.
  • Policy add-ons can waste money – There are quite a few extra coverages you can purchase but may not be useful. Coverages like vanishing deductibles, towing, and motor club memberships may be wasting your money. They may sound like good ideas when buying your policy, but now you might not need them so consider taking them off your policy.

Where can I get the cheapest insurance coverage?

Most major insurance companies allow you to get pricing directly from their websites. Obtaining pricing doesn’t take a lot of time as you just enter the coverages you want as requested by the quote form. When complete, their rating system gets your driving and credit reports and returns a price based on these factors.

Online price quotes helps simplify price comparisons, but the process of having to visit different websites and type in the same information gets old quite quickly. Unfortunately, it is important to do this in order to get the best price on insurance coverage.

An easier way to compare insurance coverage pricing uses just one form that analyzes rates from multiple companies. The form is fast, eliminates form submissions, and makes online quotes much more enjoyable. After your information is entered, it is rated and you can choose your choice of the quotes returned.

If you find a better price you can simply submit the application and purchase coverage. The whole process only takes a few minutes and can result in significant savings.

In order to compare pricing, simply click here to open in new window and input your coverage information. If you currently have coverage, we recommend you complete the form with the coverage information identical to your current policy. Doing this guarantees you will get an apples-to-apples comparison for similar coverage.

Does car insurance advertising bend the truth?

Consumers can’t ignore all the ads that claim the cheapest premium rates by companies like Allstate and Progressive. All the ads make the same claim that drivers will save a bundle after switching your coverage.

That’s great but how can every company lower your premium rates? It’s all in the wording.

Car insurance companies give the cheapest rates for a prospective insured that will not have excessive claims. For instance, a profitable risk profile might have to be over the age of 50, has few claims, and has excellent credit. Anyone who fits that profile receive the lowest rate quotes and as a result will probably save some money.

Insureds who may not quite match the requirements will have to pay more expensive rates and the customer buying from someone else. The ads state “people who switch” not “everyone that quotes” save money. That’s the way insurance companies can confidently state the savings.

Because of this risk profiling, you need to do a price quote comparison at every renewal. It is impossible to predict which insurance companies will have the lowest rate quotes.

Discounts for lower-cost insurance coverage rates

Some insurers do not advertise every policy discount very well, so we took the time to find both the well known as well as the least known credits available to you. If you are not receiving all the discounts you deserve, you could be getting lower rates.

  • Senior Citizens – Seniors are able to get lower premium rates on Celica insurance.
  • Payment Method – If paying your policy premium upfront rather than spreading payments over time you can avoid monthly service charges.
  • Lower Rates for Military – Being on active deployment in the military may lower your premium rates slightly.
  • Distant Student – Youth drivers who are enrolled in higher education away from home without a vehicle on campus could qualify for this discount.
  • No Accidents – Good drivers with no accidents can save substantially in comparison to insureds who have frequent claims or accidents.
  • Air Bags and Passive Restraints – Vehicles equipped with air bags and/or automatic seat belt systems may get savings of 25 to 30%.

While discounts sound great, it’s important to understand that many deductions do not apply to your bottom line cost. Most only reduce the cost of specific coverages such as collision or personal injury protection. Despite the fact that it seems like all those discounts means the company will pay you, you aren’t that lucky.

Popular insurance coverage companies and the discounts they provide can be found below.

  • GEICO has savings for seat belt use, anti-lock brakes, defensive driver, emergency military deployment, driver training, good student, and military active duty.
  • Travelers has discounts for save driver, home ownership, continuous insurance, early quote, multi-car, and student away at school.
  • Farm Bureau offers premium reductions for youthful driver, good student, multi-vehicle, renewal discount, multi-policy, and driver training.
  • Liberty Mutual may offer discounts for safety features, preferred payment discount, good student, multi-car, newly retired, newly married, and exclusive group savings.
  • American Family includes discounts for TimeAway discount, early bird, air bags, good driver, good student, multi-vehicle, and defensive driver.
  • Progressive policyholders can earn discounts including multi-policy, multi-vehicle, homeowner, online quote discount, and continuous coverage.

Check with each insurance company to apply every possible discount. Depending on the company, some discounts may not apply in every state.

Tailor your auto insurance coverage to you

When buying the right insurance coverage for your vehicles, there really is not a cookie cutter policy. Coverage needs to be tailored to your specific needs.

These are some specific questions might help in determining if your insurance needs would benefit from professional advice.

  • Am I insured when driving a different vehicle?
  • Are all vehicle passengers covered by medical payments coverage?
  • How high should deductibles be on a 1997 Toyota Celica?
  • Do I need more liability coverage?
  • When should I buy a commercial auto policy?
  • Is my dog or cat covered if injured in an accident?
  • Do I need an umbrella policy?
  • How can I find cheaper teen driver insurance?
  • Are my tools covered if they get stolen from my vehicle?

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

Car insurance coverages for a 1997 Toyota Celica

Knowing the specifics of insurance aids in choosing which coverages you need and the correct deductibles and limits. Insurance terms can be ambiguous and reading a policy is terribly boring.

Comprehensive (Other than Collision)

This coverage pays to fix your vehicle from damage OTHER than collision with another vehicle or object. You need to pay your deductible first then your comprehensive coverage will pay.

Comprehensive coverage pays for things like hitting a deer, hitting a bird and damage from a tornado or hurricane. The maximum payout a insurance company will pay at claim time is the actual cash value, so if the vehicle’s value is low consider removing comprehensive coverage.

Collision insurance

Collision coverage pays to fix your vehicle from damage resulting from colliding with a stationary object or other vehicle. You first must pay a deductible then the remaining damage will be paid by your insurance company.

Collision insurance covers things such as rolling your car, colliding with a tree, sustaining damage from a pot hole and driving through your garage door. Paying for collision coverage can be pricey, so consider dropping it from lower value vehicles. You can also increase the deductible to get cheaper collision coverage.

Protection from uninsured/underinsured drivers

Your UM/UIM coverage protects you and your vehicle’s occupants when other motorists either have no liability insurance or not enough. This coverage pays for injuries to you and your family as well as damage to your Toyota Celica.

Since a lot of drivers only purchase the least amount of liability that is required, their limits can quickly be used up. This is the reason having UM/UIM coverage should not be overlooked. Most of the time these coverages are identical to your policy’s liability coverage.

Liability auto insurance

This coverage can cover damage or injury you incur to people or other property. This coverage protects you against other people’s claims, and does not provide coverage for your own vehicle damage or injuries.

It consists of three limits, per person bodily injury, per accident bodily injury, and a property damage limit. Your policy might show values of 50/100/50 which stand for $50,000 bodily injury coverage, $100,000 for the entire accident, and property damage coverage for $50,000. Occasionally you may see a combined limit which combines the three limits into one amount with no separate limits for injury or property damage.

Liability insurance covers things like medical services, pain and suffering, emergency aid, repair costs for stationary objects and court costs. How much liability coverage do you need? That is a decision to put some thought into, but you should buy higher limits if possible.

Medical expense insurance

Med pay and PIP coverage provide coverage for bills for things like ambulance fees, surgery and funeral costs. They can be used in conjunction with a health insurance program or if you do not have health coverage. Medical payments and PIP cover all vehicle occupants in addition to if you are hit as a while walking down the street. PIP is not available in all states but can be used in place of medical payments coverage

In conclusion

You just learned some good ideas how to shop for 1997 Toyota Celica insurance online. It’s most important to understand that the more providers you compare, the higher the chance of saving money. Consumers may even find the biggest savings come from a small local company.

When shopping online for insurance coverage, make sure you don’t sacrifice coverage to reduce premiums. In too many instances, an accident victim reduced collision coverage to discover at claim time that the savings was not a smart move. Your objective should be to purchase plenty of coverage at the best price and still be able to protect your assets.

Insureds switch companies for many reasons like not issuing a premium refund, delays in paying claims, delays in responding to claim requests and even unfair underwriting practices. Whatever your reason, finding the right insurance coverage provider is not as difficult as it may seem.

Even more information is available by following these links:

Comments About 1997 Toyota Celica Insurance

  1. Danielle Frederick

    Does Mississippi have minimum liability requirements?

  2. Arnita Simon

    It all costs too much. From a town just southwest of San Antonio, TX. I quoted with Allstate, GMAC, and Farmers for my 1997 Toyota Celica and I think I am saving around $30 each month.

  3. Florrie Kirkland

    I found pretty cheap rate quotes for a 1997 Toyota Celica in Gulfport, MS. Ended up at right around $70 every six months with Auto-Owners. Left American Family to switch. I get a discount for insuring multiple vehicles. Hardly afford to drive anymore.

  4. Cordie Davidson

    I got decent rates for a 1997 Toyota Celica in New Haven, Connecticut. Ended up at roughly $70 every six months with AIG Insurance. Insured with Hartford before. Get lots of quotes to find the best rate. When should I drop full coverage?

  5. Shawna Reynolds

    I compared a lot of rate quotes for a 1997 Toyota Celica in Eugene, Oregon. Ended up at about $90 every six months with AIG Insurance. I just carry liability insurance.

  6. Julissa Jones

    I live just to the north of Raleigh, North Carolina, and GEICO rates were best. Got better coverage too. I just carry liability insurance.

  7. Stasia Burgess

    I’m in the south part of Newark, DE. Can’t remember who all I quoted but I ended up saving about $20 each month. Left Travelers to switch. Have an at-fault accident tho.

  8. Allene Church

    Will 21st Century insure with a DUI in Springfield, MA?

  9. Rachele Ballard

    From a town just southwest of Fort Smith, AR. Received quotes with Amica, Erie, and Mercury for my 1997 Toyota Celica and saved just over $80 a year. I have several vehicles insured with them. I recommend comparing lots of rates.