How Much Does 1998 Toyota Avalon Car Insurance Cost?

Trying to find lower car insurance rates for your Toyota Avalon? Did a good deal turn out to be overpriced car insurance? Trust us, many consumers are feeling buyer’s remorse and feel like there’s no way out.

There is such a variety of insurers to choose from, and although it’s nice to be able to choose, lots of choices makes it harder to find the lowest cost provider.

It is always a good idea to do rate comparisons occasionally because prices fluctuate regularly. Despite the fact that you may have had the best rates for Avalon insurance a couple years back you can probably find a lower rate today. There are a lot of ways to save on car insurance online but in just a couple of minutes you can learn some solid techniques on how to lower your car insurance premiums.

Discount auto insurance quotes

Some providers don’t list all disounts in an easy-to-find place, so the below list has some of the best known and the more hidden credits available to you.

  • Responsible Driver Discounts – Insureds without accidents could pay up to 40% less for Avalon insurance compared to rates paid by drivers with frequent claims.
  • Life Insurance – Insurance carriers who offer life insurance give a lower price if you buy life insurance from them.
  • Data Collection Discounts – Policyholders that allow their auto insurance company to spy on where and when they drive by using a telematics device such as Progressive’s Snapshot and State Farm’s In-Drive might get better premium rates if their driving habits are good.
  • Anti-lock Brake Discount – Cars that have steering control and anti-lock brakes are much safer to drive and will save you 10% or more.
  • Government Employees – Federal government employees could provide a small rate reduction for Avalon insurance with some auto insurance companies.

A little disclaimer on discounts, most credits do not apply the the whole policy. Most only reduce specific coverage prices like physical damage coverage or medical payments. Just because it seems like you would end up receiving a 100% discount, you won’t be that lucky.

A list of companies and a partial list of their discounts are shown below.

  • Travelers offers discounts for student away at school, save driver, payment discounts, IntelliDrive, good student, and continuous insurance.
  • 21st Century includes discounts for automatic seat belts, 55 and older, theft prevention, driver training, and air bags.
  • State Farm offers premium reductions for good driver, defensive driving training, multiple autos, good student, anti-theft, Steer Clear safe driver discount, and Drive Safe & Save.
  • GEICO offers discounts including driver training, emergency military deployment, membership and employees, military active duty, defensive driver, seat belt use, and anti-theft.
  • SAFECO has savings for accident prevention training, bundle discounts, homeowner, multi-car, and drive less.
  • AAA discounts include anti-theft, multi-policy, good driver, education and occupation, multi-car, good student, and AAA membership discount.

Before buying, ask every company the best way to save money. Some of the earlier mentioned discounts might not be available to policyholders everywhere. If you would like to choose from a list of insurers who offer free auto insurance quotes, click here to view.

Tailor your car insurance coverage to you

When buying proper insurance coverage, there is no “perfect” insurance plan. Every insured’s situation is different and a cookie cutter policy won’t apply. For instance, these questions can help discover whether you would benefit from an agent’s advice.

  • Am I covered when driving someone else’s vehicle?
  • Am I covered when driving on a suspended license?
  • Should I buy full coverage?
  • Should I buy additional glass protection?
  • Is my nanny covered when driving my vehicle?
  • Is my vehicle covered by my employer’s policy when using it for work?
  • How can I force my company to pay a claim?

If you’re not sure about those questions but you know they apply to you, you might consider talking to a licensed insurance agent. To find an agent in your area, take a second and complete this form or you can go here for a list of companies in your area.

Coverages available on your policy

Knowing the specifics of your car insurance policy aids in choosing the best coverages at the best deductibles and correct limits. The coverage terms in a policy can be ambiguous and even agents have difficulty translating policy wording. Shown next are the normal coverages available from car insurance companies.

Medical payments and PIP coverage

Coverage for medical payments and/or PIP provide coverage for bills such as EMT expenses, chiropractic care, dental work and surgery. They can be used to fill the gap from your health insurance policy or if there is no health insurance coverage. Medical payments and PIP cover both the driver and occupants and also covers if you are hit as a while walking down the street. Personal Injury Protection is not available in all states and gives slightly broader coverage than med pay

UM/UIM (Uninsured/Underinsured Motorist) coverage

This coverage provides protection from other motorists when they either are underinsured or have no liability coverage at all. Covered claims include medical payments for you and your occupants as well as your vehicle’s damage.

Because many people only carry the minimum required liability limits, their liability coverage can quickly be exhausted. That’s why carrying high Uninsured/Underinsured Motorist coverage should not be overlooked.

Comprehensive auto coverage

This coverage will pay to fix damage caused by mother nature, theft, vandalism and other events. You need to pay your deductible first and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive coverage pays for claims like falling objects, hitting a deer and hail damage. The maximum amount you can receive from a comprehensive claim is the actual cash value, so if it’s not worth much more than your deductible it’s not worth carrying full coverage.

Liability

Liability coverage provides protection from damage or injury you incur to people or other property by causing an accident. It protects you from legal claims by others. It does not cover damage sustained by your vehicle in an accident.

Split limit liability has three limits of coverage: bodily injury per person, bodily injury per accident and property damage. As an example, you may have liability limits of 100/300/100 that means you have a limit of $100,000 per injured person, a per accident bodily injury limit of $300,000, and a total limit of $100,000 for damage to vehicles and property.

Liability coverage protects against things such as loss of income, medical services, repair bills for other people’s vehicles, pain and suffering and legal defense fees. How much liability coverage do you need? That is a decision to put some thought into, but buy as large an amount as possible.

Coverage for collisions

Collision insurance 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 coverage pays for things like driving through your garage door, crashing into a ditch, scraping a guard rail, crashing into a building and colliding with a tree. This coverage can be expensive, so consider removing coverage from lower value vehicles. Another option is to raise the deductible to save money on collision insurance.

Power to the consumer

Some companies may not offer price quotes online and most of the time these smaller providers only sell through local independent agencies. Lower-priced 1998 Toyota Avalon insurance can be bought online and with local insurance agents, so you should compare both in order to have the best price selection to choose from.

We covered some good ideas how to get a better price on 1998 Toyota Avalon insurance. The key thing to remember is the more companies you get auto insurance rates for, the better your chances of lowering your auto insurance rates. Drivers may discover the lowest rates are with a lesser-known regional company. These smaller insurers often have lower auto insurance rates on specific markets than their larger competitors like Allstate and Progressive.

As you shop your coverage around, you should never buy less coverage just to save a little money. Too many times, an insured cut liability limits or collision coverage only to discover later that saving that couple of dollars actually costed them tens of thousands. The aim is to buy a smart amount of coverage at a price you can afford while still protecting your assets.

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Comments About 1998 Toyota Avalon Insurance

  1. Lee Montoya

    Nice info. Proud to be from Bismarck, ND. Quoted prices online for a 1998 Toyota Avalon. Ended up at about $110 savings annually. Went with Allstate. Have a couple speeding tickets too. :)

  2. Bailey Gentry

    Got pretty cheap 1998 Toyota Avalon insurance from Allstate in Juneau, AK.

  3. Bobby Nicholson

    I got quite a few price quotes for a 1998 Toyota Avalon in Billings, MT. Ended up at right around $80 every six months with Amica. You can get a rate quote online.

  4. Timothy Palmer

    If you have a clean record and are close to Columbia, South Carolina, check out Progressive. They seem to be cheaper. Left Hanover to switch.

  5. Chastity Mcneil

    I’m in Fargo, North Dakota. Got quotes from State Farm, AIG Insurance, and some I forget for my Avalon and saved $95 a year. Insured with Eastwood before. I’m thinking about dropping full coverage though.

  6. Laurence Hahn

    Progressive and State Farm had the best prices I found in North Dakota.

  7. Karissa Velez

    Just my two cents. Went with MetLife for my 1998 Toyota Avalon and saved about $110 a year. Left Liberty Mutual to switch. Only insure liability on my Avalon.

  8. Jammie Wilkerson

    Cheap is relative. From northwest of Seattle, Washington. Received quotes from Amica, Encompass, and MetLife for my Toyota and saved just over $110 a year. Left Encompass to switch. I just carry liability insurance.

  9. Fae Savage

    I’ve bought from Progressive forever. Cheapest rates in Mobile, Alabama.