Save on 2000 Toyota Sienna Insurance Rates

Searching for the cheapest auto insurance rates for your Toyota Sienna? Locating the cheapest insurance for your Toyota Sienna can turn out to be a lot of work, but you can learn these tips to find lower rates.

There are more efficient ways to buy auto insurance so you’re going to learn the proper way to price shop coverage for a Toyota and find the lowest possible price from both online companies and local agents.

Compare free insurance coverage price quotes

Performing a rate comparison can take hours if you don’t utilize the best way to get rate quotes. You can spend your afternoon discussing policy coverages with insurance companies in your area, or you can stay home and use online quoting for quick rates.

Most major companies enroll in a system where prospective buyers only type in their quote data once, and each participating company then returns a price quote based on that data. This eliminates the need for quote requests to each company.

To compare pricing click here (opens in new window).

The one downside to doing it this way is buyers cannot specifically choose the providers you will receive quotes from. So if you want to select specific insurance companies to compare rates, we put together a list of insurance coverage companies in your area. Click here for list of insurance companies.

You can use whichever method you prefer to find lower rates, just try to keep equivalent quote data for every quote you compare. If each company quotes different data then you won’t be able to determine the best price for your Toyota Sienna.

Different people need different car insurance coverages

When it comes to choosing coverage, there isn’t really a “perfect” insurance plan. Your needs are not the same as everyone else’s.

For instance, these questions may help you determine whether your personal situation would benefit from an agent’s advice.

  • Is rental equipment covered for theft or damage?
  • Do I pay less for low miles?
  • Can I still get insurance after a DUI?
  • Can my teen drive my company car?
  • Is my trailer covered?
  • If I drive on a suspended license am I covered?

If you can’t answer these questions but a few of them apply, then you may want to think about talking to a licensed insurance agent. To find lower rates from a local agent, fill out this quick form. It’s fast, free and can provide invaluable advice.

Insurance coverage specifics

Having a good grasp of your policy helps when choosing which coverages you need and the correct deductibles and limits. The terms used in a policy can be confusing and nobody wants to actually read their policy.

Uninsured and underinsured coverage – This coverage protects you and your vehicle when other motorists either are underinsured or have no liability coverage at all. Covered claims include injuries sustained by your vehicle’s occupants and damage to your Toyota Sienna.

Since a lot of drivers only purchase the least amount of liability that is required, their liability coverage can quickly be exhausted. So UM/UIM coverage is very important. Normally these limits are identical to your policy’s liability coverage.

Comprehensive coverages – This coverage covers damage OTHER than collision with another vehicle or object. You first have to pay a deductible then your comprehensive coverage will pay.

Comprehensive insurance covers things like a broken windshield, damage from a tornado or hurricane and hitting a bird. The most you’ll receive from a claim is the actual cash value, so if the vehicle’s value is low consider removing comprehensive coverage.

Collision coverage – Collision insurance covers damage to your Sienna caused by collision 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 backing into a parked car, colliding with a tree and crashing into a building. Paying for collision coverage can be pricey, so analyze the benefit of dropping coverage from lower value vehicles. Another option is to choose a higher deductible to bring the cost down.

Auto liability – This provides protection from damages or injuries you inflict on a person or their property that is your fault. It 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 for each person injured, bodily injury for the entire accident and a property damage limit. As an example, you may have liability limits of 50/100/50 that translate to $50,000 bodily injury coverage, $100,000 for the entire accident, and $50,000 of coverage for damaged propery. Alternatively, you may have one limit called combined single limit (CSL) which limits claims to one amount without having the split limit caps.

Liability insurance covers claims like funeral expenses, structural damage, repair costs for stationary objects, medical services and repair bills for other people’s vehicles. 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.

Coverage for medical payments – Medical payments and Personal Injury Protection insurance provide coverage for immediate expenses for things like chiropractic care, surgery, rehabilitation expenses, nursing services and EMT expenses. They are utilized in addition to your health insurance policy or if there is no health insurance coverage. Coverage applies to not only the driver but also the vehicle occupants and will also cover any family member struck as a pedestrian. PIP coverage is only offered in select states but can be used in place of medical payments coverage

Comments About 2000 Toyota Sienna Insurance

  1. Damien Nicholson

    Mine is so expensive. I’m just south of Little Rock, AR. Don’t remember every company but I ended up saving about $20 each month. It’s too old for full coverage.

  2. Rocco Schneider

    I got quite a few price quotes for a 2000 Toyota Sienna in Omaha, Nebraska. Ended up at darn near $90 every six months with Amica. Even increased coverage a bit. Liability only on my Toyota.

  3. Azzie Decker

    I live in a small town just outside of Baltimore, MD. Compared rates from a lot of places. Saved roughly $30 a month. GEICO was the most affordable for me. Just liability coverage since it’s getting old.

  4. Emilie Bass

    Here’s my quote info. Quoted with AIG Insurance for my Toyota and am saving around $100 a year. I get a discount for insuring multiple vehicles. Wish I didn’t have to insure at all. My Sienna doesn’t have full coverage.

  5. Antone Shaffer

    I got decent rates for a 2000 Toyota Sienna in Sioux Falls, South Dakota. Ended up at about $80 every six months with AIG Insurance. Left Farmers to switch. Have an at-fault accident tho. :P

  6. Luann Richmond

    Hope my rates come down. Lifelong resident of Kansas City, MO. Received rates from Hartford, AIG Insurance, Nationwide, and a couple others for my 2000 Toyota Sienna and I think I cut my rates about $20 each month. Get lots of quotes to find the best rate. Book value doesn’t justify full coverage anymore.

  7. Fransisca Spears

    Too expensive. I ride a bike.

  8. Franklyn Edwards

    Any State Farm or Esurance customers near Newark, DE?

  9. Lelah Thomas

    I went with GEICO at renewal. Best rates in Cleveland, OH. It’s easy to compare rates online now. I don’t have comp or collision coverage.

  10. Daniella Blevins

    I’m in the west part of Aberdeen, SD. I don’t recall every quote but I ended up saving about $20 each month. Was with Progressive. Not sure if rates are cheaper online or through an agent. Liability only on my Toyota.

  11. Delena Swanson

    Not sure what I should be paying. From a town just southwest of Madison, WI. Compared quite a few companies. Saved about $20 a month. Allstate was the cheapest for me. Liability only on my Toyota.

  12. Toccara Grimes

    If you’re a decent driver and live in the vicinity of Birmingham, AL, check out Allstate. They seem to be cheaper.

  13. Victoria Sykes

    I got quite a few price quotes for a 2000 Toyota Sienna in Saint Paul, Minnesota. Ended up at about $70 every six months with Auto-Owners. I’m a pretty low risk driver.

  14. Dede Vasquez

    I got decent rates for a 2000 Toyota Sienna in Nampa, Idaho. Ended up at roughly $80 every six months with Auto-Owners. It’s too old for full coverage.

  15. Charlyn Burke

    It’s all a rip off. Live in Grand Rapids, MI. I don’t recall every quote but I ended up saving about $10 each month. I don’t put full coverage on it.

  16. Yahaira Scott

    Too expensive. I ride a bike.

  17. Kelsie Reilly

    GEICO was cheapest for my 2000 Toyota Sienna in Des Moines, IA.

  18. Kori Ewing

    All insurance companies are crooks.

  19. Madeline Whitehead

    All companies are crooks. I live east of Colorado Springs, CO. Quoted with Progressive, Auto-Owners, Esurance, and Liberty Mutual for my Sienna and saved $68 a year. They have free quotes online. Book value doesn’t justify full coverage anymore.

  20. Jessika Lynn

    IT’S ALL TOO EXPENSIVE! I live just outside Hartford, CT. Quoted with GEICO, AAA, and Erie for my Toyota and I’m now saving $24 a month. I have a couple other vehicles on the policy. Not sure about claim service.