View 1999 Toyota Celica Insurance Quotes

Have you finally had enough of robbing Peter to pay Paul each month for insurance? You are no different than millions of other people. There are many insurance companies to insure vehicles with, and even though it’s nice to be able to choose, it can be more difficult to find the best rates.

It’s a good idea to get comparison quotes as often as possible since prices change frequently. Just because you had the lowest quotes on Celica insurance a couple years back you can probably find a lower rate today. Don’t believe everything you read about insurance on the web, but you can learn some great ideas on how to slash your insurance rates.

More discounts mean cheaper premiums

Companies that sell car insurance don’t always list every available discount very clearly, so the following list contains a few of the more common and the harder-to-find credits available to lower your premiums when you buy auto insurance online.

  • First Accident Forgiveness – This one is not really a discount per se, but certain companies will let one accident slide before your rates go up so long as you haven’t had any claims for a particular time prior to the accident.
  • Federal Government Employee – Active or former government employment could cut as much as 10% off on Celica insurance depending on your car insurance provider.
  • More Vehicles More Savings – Buying a policy with several vehicles with one company can reduce the rates for all insured vehicles.
  • Passive Restraints and Air Bags – Vehicles equipped with air bags can receive discounts up to 30%.
  • Claim Free – Insureds who avoid accidents and claims can earn big discounts in comparison with bad drivers.
  • Professional Organizations – Belonging to certain professional organizations could earn you a nice discount on your next renewal.
  • Driver’s Education for Students – It’s a good idea to have your young drivers enroll and complete driver’s education if offered at their school.
  • Pay Early and Save – If you pay your entire premium ahead of time instead of making monthly payments you can avoid monthly service charges.
  • Good Student – This discount can be rewarded with saving of up to 25%. Many companies even apply the discount to college students up to age 25.
  • Seat Belt Usage – Drivers who require all vehicle occupants to use their safety belts could save 15% on medical payment and PIP coverage.

Keep in mind that some credits don’t apply to the overall cost of the policy. Most cut the price of certain insurance coverages like liability, collision or medical payments. So even though it sounds like you can get free auto insurance, it’s just not the way it works.

To see a list of insurance companies who offer cheap car insurance quotes, click this link.

The quickest method to get policy rate comparisons takes advantage of the fact most larger insurance companies pay for the opportunity to quote your coverage. All consumers are required to do is spend a couple of minutes providing details including if the vehicle is leased, distance driven, if you have an active license, and level of coverage desired. The data is instantly provided to multiple companies and they return cost estimate instantly to find the best rate.

Toyota Celica insurance premium factors

Lots of things are used when you get your auto insurance bill. A few of the factors are predictable like a motor vehicle report, but some are more transparent like your continuous coverage or how safe your car is.

The itemized list below are some of the major factors used by your company to calculate prices.

  • Save money with higher comp and collision deductibles – Insurance for physical damage to your car, commonly called comprehensive (or other-than-collision) and collision coverage, covers damage that occurs to your Toyota. Some instances where coverage would apply could be a dented fender, hail damage, and having your car stolen. Your deductibles are the amount of money you are required to spend out-of-pocket before a claim is paid by your company. The larger the amount you pay before a claim is paid (deductible), the lower your rates will be on Celica insurance.
  • Your location is a factor – Being located in a rural area has definite advantages when buying car insurance. Less people means less chance of accidents and lower theft and vandalism rates. Residents of big cities regularly have congested traffic and higher rates of accident claims. More time on the road translates into higher accident risk.
  • Mature drivers pay less – Young drivers tend to get distracted easily with other occupants in the car and because of this, their car insurance rates are much higher. Having to add a teen driver onto your car insurance can be quite pricey. Older drivers tend to be more responsible, are lower risk to insure , and are generally more financially stable.
  • Put fewer miles on your vehicle – Driving more miles each year the higher your rate. A lot of companies apply a rate determined by how the vehicle is used. Cars left parked in the garage qualify for better rates than vehicles that have high annual mileage. Incorrect rating for your Celica is just wasting money. Ask your agent if your car insurance policy reflects the correct usage, because it can save money.
  • Never let your policy expire – Driving with no insurance is a big no-no and as a result your rates will increase for letting your coverage cancel without a new policy in place. In addition to paying higher premiums, failure to provide proof of insurance could result in a revoked license or a big fine. You may need to provide proof of insurance in the form of an SR-22 filing with your state motor vehicle department.
  • Discounts for married drivers – Having a spouse may save some money on car insurance. Having a spouse is viewed as being more mature it has been statistically shown that married drivers get in fewer accidents.

It’s not one size fits all

When it comes to choosing proper insurance coverage, there isn’t really a perfect coverage plan. Each situation is unique so your insurance needs to address that. Here are some questions about coverages that may help highlight if you would benefit from professional advice.

  • Does my policy cover my teen driver if they drive my company car?
  • Is my nanny covered when driving my vehicle?
  • Is upholstery damage covered by car insurance?
  • Can my teen driver be rated on a liability-only vehicle?
  • Is my cargo covered for damage or theft?
  • If my 1999 Toyota Celica is totaled, can I afford another vehicle?
  • Is there coverage for injuries to my pets?
  • Is pleasure use cheaper than using my 1999 Toyota Celica to commute?
  • Is my custom paint covered by insurance?
  • Do I have newly-aquired coverage?

If you’re not sure about those questions, you might consider talking to a licensed agent. If you don’t have a local agent, complete this form or you can also visit this page to select a carrier It’s fast, free and can provide invaluable advice.

Switch companies and save? Really?

Consumers can’t avoid all the ads that claim the lowest car insurance rates by State Farm and Allstate. They all make an identical promise that drivers can save some big amount if you just switch to them.

That’s great but how can every company save you money?

Insurance companies quote the lowest rates for the type of customer they prefer to insure. An example of this type of insured may be a mature driver, carries high limits, and the vehicle is rated for pleasure use. A driver who fits those characteristics will qualify for the lowest car insurance rates and will also pay quite a bit less when switching companies.

Drivers who cannot meet these standards will be quoted a more expensive rate and this results in the customer not buying. The wording the ads use say “drivers that switch” not “everybody who quotes” save that much when switching. That is how companies can make the claims of big savings.

This really drives home the point why it’s extremely important to do a rate comparison at every renewal. Because without a comparison, you cannot know with any certainty which company will provide you with the cheapest prices.

Auto insurance coverages and their meanings

Learning about specific coverages of a auto insurance policy helps when choosing which coverages you need for your vehicles. The coverage terms in a policy can be impossible to understand and reading a policy is terribly boring. Below you’ll find the usual coverages available from auto insurance companies.

Coverage for collisions

Collision coverage will pay to fix damage to your Celica resulting from a collision with another vehicle or an object, but not an animal. You have to pay a deductible then your collision coverage will kick in.

Collision coverage pays for claims such as crashing into a building, hitting a mailbox, hitting a parking meter and colliding with a tree. Paying for collision coverage can be pricey, so you might think about dropping it from older vehicles. You can also choose a higher deductible in order to get cheaper collision rates.

Auto liability

Liability insurance provides protection from damage or injury you incur to other people or property by causing an accident. This insurance protects YOU against claims from other people, and does not provide coverage for your own vehicle damage or injuries.

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 values of 25/50/25 that translate to a $25,000 limit per person for injuries, a total of $50,000 of bodily injury coverage per accident, and property damage coverage for $25,000. Some companies may use one limit called combined single limit (CSL) which combines the three limits into one amount rather than limiting it on a per person basis.

Liability coverage pays for things like bail bonds, emergency aid, funeral expenses and repair bills for other people’s vehicles. How much coverage you buy is a decision to put some thought into, but it’s cheap coverage so purchase higher limits if possible.

Comprehensive auto insurance

This coverage pays to fix your vehicle from damage that is not covered by collision coverage. You need to pay your deductible first then your comprehensive coverage will pay.

Comprehensive insurance covers claims such as hitting a deer, damage from getting keyed and hail damage. The maximum payout your auto insurance company will pay is the actual cash value, so if the vehicle is not worth much it’s not worth carrying full coverage.

Coverage for uninsured or underinsured drivers

This provides protection from other motorists when they do not carry enough liability coverage. It can pay for medical payments for you and your occupants and also any damage incurred to your Toyota Celica.

Since many drivers only carry the minimum required liability limits, it doesn’t take a major accident to exceed their coverage limits. So UM/UIM coverage should not be overlooked. Usually these limits do not exceed the liability coverage limits.

Coverage for medical expenses

Medical payments and Personal Injury Protection insurance kick in for short-term medical expenses for things like prosthetic devices, X-ray expenses, doctor visits, surgery and pain medications. The coverages can be used to fill the gap from your health insurance policy or if you lack health insurance entirely. It covers not only the driver but also the vehicle occupants as well as if you are hit as a while walking down the street. Personal injury protection coverage is not universally available but it provides additional coverages not offered by medical payments coverage

One last thing about your coverage

While you’re price shopping online, it’s not a good idea to buy poor coverage just to save money. In many instances, an accident victim reduced liability limits or collision coverage only to regret that their decision to reduce coverage ended up costing them more. Your aim should be to get the best coverage possible for the lowest price while not skimping on critical coverages.

You just learned quite a bit of information on how to reduce 1999 Toyota Celica insurance rates online. It’s most important to understand that the more rate quotes you have, the better likelihood of getting affordable auto insurance. Drivers may discover the best price on auto insurance is with an unexpected company. They may only write in your state and offer lower car insurance rates than their larger competitors like Allstate, GEICO and Progressive.

There are still a few companies who may not offer internet price quotes regional carriers only sell through independent agents. Low-cost 1999 Toyota Celica insurance is available online and from local agencies, and you need to comparison shop both to get a complete price analysis.

Much more information about auto insurance can be read at the links below

Comments About 1999 Toyota Celica Insurance

  1. Bernardina Wooten

    Will Progressive cancel me if I have an accident?

  2. Honey Mack

    Affordable car insurance is a myth. From a town just southwest of Seattle, WA. Compared quite a few companies. Saved darn near $20 a month. 21st Century was the cheapest option for me. Insured with Liberty Mutual before. Even increased coverage a bit. Not sure if rates are cheaper online or through an agent. It’s only liability tho.

  3. Geneva Mayo

    Thanks for putting this site together. From a town just southwest of Billings, MT. Got quotes with American Family, Mercury, and a few others for my Celica and I’m now saving $17 a month. Left Western Auto Insurance to switch. I have kids on my policy, too. Not sure if rates are cheaper online or not.

  4. Kassandra Estes

    I’m in the west part of Paterson, NJ. Not sure of all the companies but I ended up saving about $20 each month. Insured with Encompass before. I have a teen driver too.

  5. Vasiliki Mclean

    Nice post. From a town just southwest of Albuquerque, New Mexico. Got car insurance quotes with Hartford, AIG Insurance, Mercury, and a couple others for my Toyota and I’m now saving $19 a month. Online quotes are the way to go.

  6. Rhea Simon

    Will GEICO raise rates for a small claim?

  7. Christie Heath

    Located in Fort Smith, Arkansas. Can’t remember who all I quoted but I ended up saving about $20 each month. Insured with Hanover before. They have a lot of discounts available. :) I only have liability coverage on it.

  8. Johnson Burks

    I found pretty cheap rate quotes for a 1999 Toyota Celica in Providence, RI. Ended up at darn near $120 every six months with AIG Insurance.

  9. Zora Hopper

    I think I’m paying too much. I’m from Colorado Springs, CO. Compared rates from a lot of places. Saved roughly $10 a month. 21st Century was the most affordable for me. Was with AIG Insurance. I’m a pretty good driver though. Next renewal I’ll just do liability.

  10. Chong Hendrix

    If you don’t have tickets and are close to Augusta, GA, check out GEICO. I saved quite a bit. Got better coverage too. Just liability coverage since it’s getting old.

  11. Barrie Puckett

    Thought I’d throw in my experience. Located in Lincoln, NE. I quoted with AIG Insurance, Nationwide, and USAA for my Toyota and saved just over $80 a year. I’m a pretty low risk driver. I quoted rates online then called them. Book value doesn’t justify full coverage anymore.

  12. Cleopatra Silva

    Thought I’d throw in my experience. I’m just east of Albuquerque, NM. Quoted rates from 21st Century, AIG Insurance, and some I forget for my Celica and I’m now saving $22 a month. Just liability coverage since it’s getting old.

  13. Toccara Stuart

    Hope my car insurance gets cheaper. I’m in Fort Wayne, IN. Received quotes with AIG Insurance, Safeco, and some smaller one I can’t remember the name of for my 1999 Toyota Celica and saved just over $100 a year. Teenage drivers are expensive!

  14. Katia Graves

    Found cheapest coverage with 21st Century for my Toyota and saved about $80 a year. They have free quotes online.

  15. Thanh Lee

    I got a good deal I think. Quoted with GEICO for my 1999 Toyota Celica and am saving around $110 a year. Left Hartford to switch. Have an at-fault accident tho.

  16. Imogene Kennedy

    Cheapest quote for my 1999 Toyota Celica was with Erie. Are quotes cheaper online?

  17. Mozell Mcbride

    I’m in the north part of Wilmington, DE. Checked online prices for a 1999 Toyota Celica. Ended up at about $80 savings annually. Went with Allstate. Was with Hartford. BTW speeding tickets are not good. I only have liability coverage on it.