1998 Toyota Tercel Insurance Rates – 6 Savings Tips

Want better car insurance rates for your Toyota Tercel? Finding lower-cost car insurance online might seem challenging for comparing rates and buying car insurance over the internet. With dozens of online companies, how can you have the ability to compare every company in order to find better prices?

This article will teach you the most effective way to quote insurance and some money-saving tips. If you are paying for car insurance now, you should be able to save some money using this strategy. Although drivers need to learn the way insurance companies market on the web and take advantage of how the system works.

Low cost insurance prices

There are a variety of methods to compare insurance quotes, but some are easier and takes less work. You can waste hours talking about coverages with insurance companies in your area, or you can utilize the internet for quick rates.

Most major companies take part in a program where insurance shoppers enter their policy data once, and every company returns a competitive quote for coverage. This saves time by eliminating quotation requests to each company. To get comparison pricing now click here to start a free quote.

The one disadvantage to getting quotes like this is you cannot specify which insurance companies you want to price. If you would rather choose individual companies to compare rates, we have assembled a list of insurance companies in your area. Click here to view list.

It doesn’t matter which method you choose, just be sure you’re using apples-to-apples coverage information for each quote you get. If you are comparing unequal deductibles or liability limits you will not be able to determine which rate is truly the best. Slightly different coverages can result in a big premium difference. Keep in mind that quoting more helps increase your odds of locating the best offered rates. Some companies don’t provide prices over the internet, so it’s recommended that you also compare price estimates from them as well.

Insurance agents can help

When it comes to choosing the right insurance coverage for your personal vehicles, there is no single plan that fits everyone. Coverage needs to be tailored to your specific needs.

For example, these questions could help you determine if your insurance needs might need an agent’s assistance.

  • Do I need an umbrella policy?
  • I have a DUI can I still get coverage?
  • What exactly is covered by my policy?
  • Is my custom paint covered by insurance?
  • Does my car insurance cover rental cars?
  • Can I get a multi-policy discount?

If you’re not sure about those questions then you might want to talk to a licensed insurance agent. If you don’t have a local agent, simply complete this short form.

Auto insurance coverage considerations

Understanding the coverages of your policy helps when choosing the best coverages at the best deductibles and correct limits. Policy terminology can be impossible to understand and nobody wants to actually read their policy.

Medical payments coverage and PIP

Personal Injury Protection (PIP) and medical payments coverage reimburse you for expenses such as pain medications, hospital visits, funeral costs, doctor visits and chiropractic care. They are used to cover expenses not covered by your health insurance policy or if you do not have health coverage. It covers you and your occupants and will also cover any family member struck as a pedestrian. Personal injury protection coverage is not universally available and gives slightly broader coverage than med pay

Uninsured/Underinsured Motorist coverage

Your UM/UIM coverage protects you and your vehicle’s occupants when the “other guys” do not carry enough liability coverage. This coverage pays for injuries to you and your family and also any damage incurred to your 1998 Toyota Tercel.

Due to the fact that many drivers only carry the minimum required liability limits, their liability coverage can quickly be exhausted. That’s why carrying high Uninsured/Underinsured Motorist coverage is very important. Most of the time the UM/UIM limits are set the same as your liablity limits.

Collision protection

This coverage covers damage to your Tercel resulting from colliding with another car or object. You will need to pay your deductible then the remaining damage will be paid by your insurance company.

Collision coverage protects against claims like hitting a mailbox, driving through your garage door and sideswiping another vehicle. This coverage can be expensive, so you might think about dropping it from older vehicles. You can also raise the deductible to bring the cost down.

Auto liability insurance

This can cover injuries or damage you cause to a person or their property by causing an accident. It protects you against other people’s claims. Liability doesn’t cover damage to your own property or vehicle.

Liability coverage has three limits: per person bodily injury, per accident bodily injury, and a property damage limit. You commonly see limits of 100/300/100 that translate to $100,000 bodily injury coverage, a per accident bodily injury limit of $300,000, and $100,000 of coverage for damaged propery. Some companies may use one number which is a combined single limit which limits claims to one amount rather than limiting it on a per person basis.

Liability coverage protects against things like attorney fees, bail bonds, court costs, emergency aid and legal defense fees. How much coverage you buy is a personal decision, but you should buy as much as you can afford.

Comprehensive coverage

This will pay to fix damage caused by mother nature, theft, vandalism and other events. A deductible will apply then your comprehensive coverage will pay.

Comprehensive can pay for claims like hail damage, hitting a bird and damage from a tornado or hurricane. The maximum amount your auto insurance company will pay is the ACV or actual cash value, so if the vehicle is not worth much it’s probably time to drop comprehensive insurance.

Comments About 1998 Toyota Tercel Insurance

  1. Tori Acevedo

    Need cheaper insurance rates for my teenage driver in Frederick, MD!!

  2. Tegan Gross

    Will GEICO cancel me for an at-fault accident?

  3. Dell Love

    Cheap car insurance? What’s that? I’m in Little Rock, AR. Not sure of all the companies but I ended up saving about $30 each month. Only insure liability on my Tercel.

  4. Gwendolyn Bennett

    I’m looking for cheaper coverage. Quoted with Esurance for my Tercel and saved around $80 a year. :P It’s too old for full coverage.

  5. Beverlee Hansen

    I found pretty cheap rate quotes for a 1998 Toyota Tercel in Boston, Massachusetts. Ended up at darn near $80 every six months with Amica. I have several vehicles insured with them. I don’t insure for physical damage though.

  6. Collene Gallegos

    It’s all a rip off. I’m in the south part of Huntington, West Virginia. I got free quotes with Progressive, American Family, and Eastwood for my 1998 Toyota Tercel and cut my rates about $70 a year.

  7. Jules Brooks

    If you’re a decent driver and live near Huntington, WV, check out State Farm. You might save some money. Switched homeowners coverage too. Not sure if rates are cheaper online or through an agent.

  8. Carri Bentley

    If you’re from Providence, Rhode Island get quotes from Allstate and Progressive and you might save.

  9. Kitty Gates

    Cheaper not always better. I live in Rochester, NY. Quoted quotes with AAA, Farmers, and MetLife for my 1998 Toyota Tercel and cut my rates about $110 a year. Was with Erie. Moved home policy as well. It’s still not cheap enough.

  10. Sharan Aguirre

    Is Progressive or Allstate cheaper in Springfield, MO?

  11. Martine Morse

    From Newark, Delaware. I got free prices from Mercury, Farmers, 21st Century, and Auto-Owners for my Tercel and I’m now saving $22 a month. Left Liberty Mutual to switch. I don’t insure for physical damage though.