Cheaper 1999 Toyota Sienna Insurance Quotes

I can’t think of a single person who likes paying for insurance coverage, especially when they are aware that they could get a better deal. Companies like GEICO, Farmers Insurance and State Farm increase brand awareness with ads and it is challenging if not impossible to not get sucked in by the cute commercials and take the time to shop coverage around.

If you have insurance now or are shopping for new coverage, you can learn to find the best rates while maximizing coverage. Finding affordable coverage is quite easy. Drivers only need an understanding of the best way to shop their coverage around online.

Shop auto insurance online

Getting a more affordable price on 1999 Toyota Sienna insurance is not a difficult process. Consumers just need to spend a few minutes on the computer to compare free auto insurance quotes from different insurance companies. This can easily be done by following the guidelines below.

Hands down the most simple method to find the lowest comparison rates is to use a rate comparison form click to view form in new window. This method saves time by eliminating a different quote for every auto insurance company. One form will return price quotes from multiple companies.

A different way to analyze rates is to manually visit the website of each company and go through the quote process again. For instance, let’s say you need rates from Auto-Owners, Safeco and Allstate. To find out each rate you need to go to every website and type in your information over and over, and that’s why the first method is more popular. To view a list of companies in your area, click here.

Whichever method you choose, do your best to enter apples-to-apples information with each company. If you have higher or lower deductibles you can’t possibly decipher which rate is best.

You are unique and your auto insurance should be too

When it comes to choosing the right insurance coverage for your personal vehicles, there is no perfect coverage plan. Everyone’s situation is unique so your insurance should reflect that For example, these questions may help you determine if you might need an agent’s assistance.

  • What is roadside assistance coverage?
  • What is the rate difference between pleasure use and commuting?
  • Is a new car covered when I drive it off the dealer lot?
  • Can I afford to pay high deductible claims out of pocket?
  • What companies insure drivers after a DUI or DWI?
  • Can I rate high risk drivers on liability-only vehicles?
  • Can I make deliveries for my home business?

If you can’t answer these questions but you think they might apply to your situation then you might want to talk to an insurance agent. If you don’t have a local agent, fill out this quick form or go to this page to view a list of companies. It only takes a few minutes and can help protect your family.

Insurance coverages 101

Understanding the coverages of insurance can help you determine which coverages you need at the best deductibles and correct limits. Policy terminology can be confusing and reading a policy is terribly boring. Shown next are the usual coverages found on the average insurance policy.

Uninsured Motorist or Underinsured Motorist insurance

This protects you and your vehicle when other motorists either are underinsured or have no liability coverage at all. This coverage pays for injuries to you and your family and also any damage incurred to your 1999 Toyota Sienna.

Since many 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 very important. Frequently these coverages are similar to your liability insurance amounts.

Liability auto insurance

Liability coverage protects you from damages or injuries you inflict on other’s property or people. This insurance protects YOU against other people’s claims. Liability doesn’t cover damage to your own property or vehicle.

It consists of three limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You might see values of 100/300/100 which stand for $100,000 bodily injury coverage, $300,000 for the entire accident, and $100,000 of coverage for damaged propery. Another option is one number which is a combined single limit which provides one coverage limit without having the split limit caps.

Liability can pay for things like pain and suffering, funeral expenses and emergency aid. The amount of liability coverage you purchase is a personal decision, but consider buying as large an amount as possible.

Collision coverage protection

This covers damage to your Sienna from colliding 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 can pay for claims such as hitting a parking meter, damaging your car on a curb, hitting a mailbox, driving through your garage door and sideswiping another vehicle. Collision is rather expensive coverage, so you might think about dropping it from vehicles that are older. Another option is to raise the deductible in order to get cheaper collision rates.

Comprehensive coverage (or Other than Collision)

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

Comprehensive insurance covers things such as hitting a deer, rock chips in glass, falling objects, damage from a tornado or hurricane and damage from flooding. The maximum payout you can receive from a comprehensive claim is the market value of your vehicle, so if it’s not worth much more than your deductible it’s probably time to drop comprehensive insurance.

Insurance for medical payments

Coverage for medical payments and/or PIP reimburse you for short-term medical expenses such as rehabilitation expenses, ambulance fees and X-ray expenses. They can be utilized in addition to your health insurance policy or if you lack health insurance entirely. It covers both the driver and occupants and will also cover if you are hit as a while walking down the street. PIP coverage is not universally available but can be used in place of medical payments coverage

Comments About 1999 Toyota Sienna Insurance

  1. Ruthanne Hunt

    Liked the article. I live in Baton Rouge, LA. Checked online prices for a 1999 Toyota Sienna. Ended up at about $100 savings annually. Went with 21st Century.

  2. Roseline Todd

    Are State Farm or State Farm rates cheaper in Utah?

  3. Vickey William

    Progressive and State Farm were both pretty cheap in Grand Rapids, MI.

  4. Eleanore Sexton

    I’m looking for cheaper coverage. I’m in the north part of Saint Louis, Missouri. Compared rates from a lot of places. Saved roughly $20 a month. State Farm was the most affordable for me. I got a quote from their website.

  5. Elaine Sears

    When should I drop comp and collision?

  6. Brittany Rosa

    It all costs too much. Proud to be from Anchorage, AK. Quoted quotes with Auto-Owners, Safeco, and a few others for my Sienna and saved just over $110 a year. I increased coverages a little too. I just quoted rates online.

  7. Lanita Brown

    Like your site, BTW. I’m in the north part of Bangor, ME. Not sure of all the companies but I ended up saving about $10 each month. I don’t put full coverage on it.

  8. Brynn Neal

    Cheap is not always the best policy. I’m in the suburbs of Indianapolis, Indiana. Quoted rates from Amica, Nationwide, and a few others for my 1999 Toyota Sienna and I think I saved around $20 each month. Insured with Erie before. I get lower rates because of my clean driving record. I dropped full coverage awhile back.

  9. Venus Gray

    From northwest of Wichita, KS. I don’t recall every quote but I ended up saving about $20 each month.

  10. Otto Lawson

    Will 21st Century raise rates for a small claim?

  11. Olympia Davis

    Lots of useful info here. I’m in the south part of Boise, Idaho. I don’t recall every quote but I ended up saving about $10 each month. It’s still not cheap enough. I just carry liability insurance.

  12. Brendon Wilder

    Will Progressive raise rates if I file a claim?

  13. Glenda Pennington

    I got quite a few price quotes for a 1999 Toyota Sienna in Wilmington, DE. Ended up at right around $90 every six months with Amica.