1999 Toyota Avalon Car Insurance Quotes

Searching for lower insurance coverage rates for your Toyota Avalon? Did you make the mistake of buying an overpriced insurance coverage policy? Don’t sweat it because there are lots of people in the same boat.

Consumers have so many auto insurance companies to purchase coverage from, and although it’s a good thing to have a selection, it makes it harder to compare rates and find the lowest cost insurance coverage.

Consumers need to do price comparisons at least once a year due to the fact that insurance rates tend to go up over time. Just because you found the best rate on Avalon insurance a few years ago you may be paying too much now. You can find a lot of misleading information regarding insurance coverage on the web, but by reading this article, you’re going to learn a bunch of ideas how to stop overpaying for insurance.

The easiest way to compare rates utilizes the fact most of the larger companies actually pay money for the chance to provide you with a free rate quote. All consumers are required to do is provide information like how your vehicles are used, the type of vehicles you drive, how much education you have, and if you are currently licensed. The data is instantly sent to many of the top insurers and they return quotes with very little delay.

Do I need special coverages?

When choosing adequate coverage for your vehicles, there is no cookie cutter policy. Everyone’s situation is unique so your insurance needs to address that. These are some specific questions may help you determine if your insurance needs might need professional guidance.

  • Are all vehicle passengers covered by medical payments coverage?
  • I have a DUI can I still get coverage?
  • Who is covered by my policy?
  • How much liability coverage do I need in my state?
  • When should I buy a commercial auto policy?
  • Should I buy more coverage than the required minimum liability coverage?
  • Is there coverage for injuries to my pets?
  • Does having multiple vehicles earn me a discount?
  • Can I drive in Mexico and have coverage?

If you don’t know the answers to these questions but one or more may apply to you, then you may want to think about talking to an agent. To find an agent in your area, simply complete this short form or click here for a list of car insurance companies in your area.

Specifics of your car insurance policy

Understanding the coverages of your policy aids in choosing appropriate coverage and proper limits and deductibles. Car insurance terms can be impossible to understand and coverage can change by endorsement. Listed below are the normal coverages available from car insurance companies.

Medical expense insurance

Med pay and PIP coverage kick in for bills for things like funeral costs, EMT expenses, dental work and chiropractic care. They are often used to fill the gap from your health insurance program or if you do not have health coverage. Medical payments and PIP cover you and your occupants and will also cover getting struck while a pedestrian. Personal injury protection coverage is not available in all states but it provides additional coverages not offered by medical payments coverage

Protection from uninsured/underinsured drivers

This coverage provides protection from other drivers when they are uninsured or don’t have enough coverage. Covered losses include injuries to you and your family as well as your vehicle’s damage.

Since a lot of drivers carry very low liability coverage limits, it only takes a small accident to exceed their coverage. This is the reason having UM/UIM coverage is a good idea.

Collision coverage protection

This coverage covers damage to your Avalon resulting from a collision with a stationary object or other vehicle. You first must pay a deductible and the rest of the damage will be paid by collision coverage.

Collision coverage protects against claims such as rolling your car, hitting a mailbox, colliding with another moving vehicle, backing into a parked car and driving through your garage door. Paying for collision coverage can be pricey, so consider removing coverage from vehicles that are older. It’s also possible to bump up the deductible to get cheaper collision coverage.

Liability coverage

Liability coverage can cover damages or injuries you inflict on other people or property by causing an accident. It protects you from legal claims by others, and does not provide coverage for your injuries or vehicle damage.

It consists of three limits, bodily injury per person, bodily injury per accident and property damage. As an example, you may have limits of 25/50/25 which stand for $25,000 in coverage for each person’s injuries, a limit of $50,000 in injury protection per accident, and property damage coverage for $25,000.

Liability insurance covers things like medical expenses, funeral expenses, loss of income and legal defense fees. The amount of liability coverage you purchase is a decision to put some thought into, but it’s cheap coverage so purchase higher limits if possible.

Comprehensive (Other than Collision)

Comprehensive insurance pays to fix your vehicle from damage OTHER than collision with another vehicle or object. You first have to pay a deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive can pay for things like damage from flooding, damage from getting keyed and hail damage. The most you can receive from a comprehensive claim is the cash value of the vehicle, so if it’s not worth much more than your deductible it’s not worth carrying full coverage.

Comments About 1999 Toyota Avalon Insurance

  1. Saran Moss

    Is GEICO or Allstate cheaper in San Jose, CA?

  2. Gregorio Campos

    I got decent rates for a 1999 Toyota Avalon in Jersey City, NJ. Ended up at roughly $110 every six months with AIG Insurance. Thankfully I have a good driving record. Might find lower rates online. I think I’ll get rid of full coverage next time.

  3. Calista Horton

    Cheap is relative. Live in the southern part of Lewiston, Maine. I got free quotes with State Farm, American Family, Erie, and Liberty Mutual for my 1999 Toyota Avalon and saved just over $100 a year. Left Hanover to switch.

  4. Leo Wilkerson

    Does State Farm offer multi-policy discounts?

  5. Rebecka Gilmore

    From northwest of Honolulu, HI. I quoted with Auto-Owners, Sentry, and some smaller one I can’t remember the name of for my Toyota and I’m now saving $10 a month. Was with Nationwide.

  6. Terrance Craft

    1999 Toyota Avalon + 21st Century = CHEAP! At least inColorado anyway.

  7. Freddie Robles

    Looking for cheaper 1999 Toyota Avalon insurance in Evansville, IN. Help!

  8. Wilmer Logan

    Checking in from Madison, WI. Compared quite a few companies. Saved about $20 a month. Allstate was the cheapest for me. Left Amica to switch. Have an at-fault accident tho. Liability only on my Toyota.

  9. Merideth David

    I got decent rates for a 1999 Toyota Avalon in Frederick, Maryland. Ended up at darn near $80 every six months with American Family. Have a couple speeding tickets too. I just carry liability insurance.

  10. Eleanore Vaughan

    In Providence, Rhode Island try Allstate or Progressive. Both had decent prices.

  11. Elina Figueroa

    IMHO Reno, NV seems to have good rates from GEICO.

  12. Rayna Gutierrez

    I found cheap 1999 Toyota Avalon insurance in Knoxville, Tennessee with 21st Century.

  13. Micheal Oconnor

    I’m looking for cheaper coverage. From northwest of Grand Rapids, MI. Got quotes with AIG Insurance, MetLife, and USAA for my Toyota and I think I am saving around $10 each month. Insured with 21st Century before. I don’t insure for physical damage though.

  14. Sammy Terrell

    Great info, thanks for posting. I’m in the suburbs of Springfield, Massachusetts. I compared lots of rates. Saved right around $20 a month. GEICO was the cheapest option for me. Just liability coverage since it’s getting old.

  15. Sung Garrison

    I’m looking for cheaper coverage. I’m just east of Little Rock, AR. I got free quotes with AAA, Farmers, and Safeco for my Toyota and I think I saved about $30 each month. Left MetLife to switch. Full coverage costs too much.

  16. Elenora Shepard

    Live in the eastern part of Aberdeen, SD. Got prices from GEICO, AAA, and Erie for my Avalon and saved around $90 a year. Anyone else drop full coverage?

  17. Monica Wolfe

    Does GEICO prorate premiums at cancellation?

  18. Celinda Eaton

    I got quite a few price quotes for a 1999 Toyota Avalon in Baltimore, Maryland. Ended up at roughly $110 every six months with Auto-Owners. Was with Progressive. Are quotes cheaper online? Book value doesn’t justify full coverage anymore.