2001 Toyota Avalon Insurance Quotes – 10 Ideas for Cheaper Rates

Drivers have options when trying to find the lowest priced Toyota Avalon insurance. You can either waste hours driving around to compare prices or leverage the internet to make rate comparisons. There is a better way to buy car insurance and you need to know the absolute fastest way to get price quotes for a new or used Toyota and get the cheapest rates from local insurance agents and online providers.

Consumers should take time to do price comparisons periodically because insurance prices are adjusted regularly by insurance companies. If you had the lowest rate for Avalon coverage a couple years back you may be paying too much now. There is a lot of bad advice regarding car insurance out there, but I’m going to show you a lot of great tips on how to put money back in your pocket.

Take advantage of every auto insurance discount

Companies don’t list their entire list of discounts very clearly, so the list below details a few of the more well known and also the lesser-known auto insurance savings.

  • Homeowners Savings – Being a homeowner may earn you a small savings since home ownership is proof of financial responsibility.
  • Early Switch Discount – Some companies provide a discount for buying a policy prior to your current policy expiring. You could save around 10% when you buy auto insurance online.
  • New Car Discount – Adding a new car to your policy can be considerably cheaper because newer vehicles have to meet stringent safety requirements.
  • No Claim Discounts – Drivers who stay claim-free have much lower rates when compared with policyholders that have many claims.
  • Discount for Low Mileage – Fewer annual miles on your Toyota may enable drivers to earn lower auto insurancerates on the low mileage vehicles.
  • Government Employee Discount – Active or former government employment may qualify for a discount when you quote auto insurance for Avalon coverage with a few auto insurance companies.
  • Sign Online – A few auto insurance companies will provide an incentive simply for signing over the internet.
  • Pay Upfront and Save – If you can afford to pay the entire bill as opposed to paying monthly you can actually save on your bill.
  • Multiple Cars – Buying a policy with several vehicles on the same auto insurance policy may reduce the rate for each vehicle.
  • Seat Belts Save – Drivers who require all occupants to use their safety belts can save up to 15% off the PIP or medical payment premium.

A little disclaimer on discounts, most discount credits are not given the the whole policy. The majority will only reduce specific coverage prices like physical damage coverage or medical payments. So despite the fact that it appears all those discounts means the company will pay you, auto insurance companies aren’t that generous. But any discount should help reduce your overall bill.

To choose insurers with significant discounts, click this link.

How to get car insurance quotes

Many insurance companies allow consumers to get price estimates direct online. Getting online quotes doesn’t take a lot of time as all you need to do is type in your coverage preferences as detailed in the form. Behind the scenes, their system orders your driving and credit reports and returns a price determined by many factors.

This streamlines rate comparisons, but the work required to visit many different websites and type in the same information can be a bit repetitive. But it’s necessary to compare as many rates as possible if you want to get the best price on car insurance.

An easier way to find better car insurance pricing requires only one form that gets price quotes from a lot of companies. It saves time, requires less work, and makes price shopping online much more enjoyable and efficient. Once the form is submitted, it is quoted with multiple companies and you can pick any one of the price quotes you receive. If you find a better price you can click and sign and purchase the new policy. The entire process takes just a few minutes to complete and you’ll know if lower rates are available.

To quickly find out how much you can save on car insurance, click here and begin entering your coverage information. To compare your current rates, we recommend that you enter identical to your current policy. This guarantees you will receive a rate comparison based on similar coverages.

How to know if you need help

When it comes to choosing proper insurance coverage, there is no cookie cutter policy. Coverage needs to be tailored to your specific needs.

For instance, these questions could help you determine whether your personal situation would benefit from professional advice.

  • Are there companies who specialize in insuring high-risk drivers?
  • Am I covered when pulling a rental trailer?
  • Can I drive in Mexico and have coverage?
  • Should I buy only the required minimum liability coverage?
  • What is roadside assistance coverage?
  • Do I have coverage if my license is suspended?
  • What if I don’t agree with a claim settlement offer?
  • Can my teen drive my company car?

If you can’t answer these questions but you know they apply to you then you might want to talk to a licensed agent. To find an agent in your area, simply complete this short form. It only takes a few minutes and can help protect your family.

Specifics of your car insurance policy

Having a good grasp of a car insurance policy can be of help when determining which coverages you need at the best deductibles and correct limits. The coverage terms in a policy can be difficult to understand and nobody wants to actually read their policy.

Coverage for medical expenses

Coverage for medical payments and/or PIP reimburse you for short-term medical expenses like ambulance fees, pain medications, rehabilitation expenses and surgery. They are used to fill the gap from your health insurance plan or if you are not covered by health insurance. They cover both the driver and occupants and also covers being hit by a car walking across the street. PIP is only offered in select states but it provides additional coverages not offered by medical payments coverage

Coverage for liability

Liability insurance will cover damage or injury you incur to other’s property or people that is your fault. It 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 commonly see values of 50/100/50 that translate to $50,000 in coverage for each person’s injuries, $100,000 for the entire accident, and a total limit of $50,000 for damage to vehicles and property.

Liability insurance covers claims like attorney fees, structural damage, emergency aid and repair bills for other people’s vehicles. The amount of liability coverage you purchase is your choice, but you should buy as much as you can afford.

Coverage for uninsured or underinsured drivers

Uninsured or Underinsured Motorist coverage protects you and your vehicle when other motorists either have no liability insurance or not enough. This coverage pays for medical payments for you and your occupants as well as damage to your Toyota Avalon.

Since a lot of drivers only carry the minimum required liability limits, it doesn’t take a major accident to exceed their coverage limits. That’s why carrying high Uninsured/Underinsured Motorist coverage is a good idea.

Comprehensive car insurance

Comprehensive insurance coverage pays to fix your vehicle from damage that is not covered by collision coverage. You first have to pay a deductible and then insurance will cover the rest of the damage.

Comprehensive coverage protects against things such as hail damage, rock chips in glass, hitting a bird and falling objects. The highest amount you’ll receive from a 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.

Collision insurance

Collision coverage pays to fix your vehicle from damage caused by 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 protects against things like scraping a guard rail, colliding with a tree and crashing into a ditch. Collision coverage makes up a good portion of your premium, so consider dropping it from vehicles that are older. It’s also possible to raise the deductible to bring the cost down.

Cheaper insurance is a realistic goal

People switch companies for any number of reasons including questionable increases in premium, extreme rates for teen drivers, denial of a claim and even lack of trust in their agent. Regardless of your reason for switching companies, choosing a new insurance company is easier than you think.

Some insurance companies don’t offer rates over the internet and most of the time these regional insurance providers only sell coverage through independent agents. Lower-priced insurance coverage can be bought online as well as from insurance agents, and you should compare price quotes from both to get a complete price analysis.

As you go through the steps to switch your coverage, don’t be tempted to sacrifice coverage to reduce premiums. In many instances, consumers will sacrifice physical damage coverage only to regret at claim time that they should have had better coverage. Your goal is to purchase plenty of coverage for the lowest price while not skimping on critical coverages.

More tips and info about insurance coverage is located at these sites:

Comments About 2001 Toyota Avalon Insurance

  1. Rozella Nguyen

    Hope my car insurance gets cheaper. I live in Hilo, Hawaii. Not sure of all the companies but I ended up saving about $30 each month. Still almost need a second mortgage.

  2. Sean Guerra

    From a town just southwest of Mesa, AZ. Quoted prices online for a 2001 Toyota Avalon. Ended up at about $90 savings annually. Went with 21st Century. Left Western Auto Insurance to switch. I don’t have comp or collision coverage.

  3. Altha Mcintyre

    Thanks for putting this site together. Live in Montgomery, Alabama. I don’t recall every quote but I ended up saving about $20 each month. Was with Safeco. I get a discount for insuring multiple vehicles. They were helpful in switching over.

  4. Elfriede Wilder

    I live in a small town just outside of Newark, NJ. I don’t recall every quote but I ended up saving about $20 each month.

  5. Brandon Hickman

    I can’t pay high rates. Live in the southern part of Wilmington, DE. Quoted prices online for a 2001 Toyota Avalon. Ended up at about $70 savings annually. Went with Allstate. Left American Family to switch. Even increased coverage a bit. I recommend comparing lots of rates.

  6. Lennie Norman

    From a town just southwest of Wilmington, DE. Got car insurance quotes from State Farm, Erie, and Hanover for my 2001 Toyota Avalon and saved just over $70 a year. Left AIG Insurance to switch. I even had a DUI years ago. Liability only on my Toyota.

  7. Dennise Harrington

    What is UM/UIM coverage?

  8. Natasha Bass

    I compared a lot of rate quotes for a 2001 Toyota Avalon in Rochester, NY. Ended up at about $100 every six months with Auto-Owners. Even increased my liability limits.

  9. Randa Avery

    Proud to be from Biloxi, MS. Quoted prices from Allstate, Farmers, and The General for my 2001 Toyota Avalon and I think I cut my rates about $20 each month. Have an at-fault accident tho. I quoted rates online then called them. It’s only liability tho.

  10. Christy Campos

    I live in Evansville, Indiana. Not sure of all the companies but I ended up saving about $30 each month. They have free quotes online. Only insure liability on my Avalon.

  11. Dorinda Dillon

    Got a quote with MetLife for my Toyota and saved around $110 a year. I have a couple other vehicles on the policy. I think I’ll get rid of full coverage next time.

  12. Hubert Franklin

    Can you buy custom paint coverage for a 2001 Toyota Avalon?

  13. Lara Haley

    Great info, thanks for posting. I’m just west of Cincinnati, Ohio. Not sure of all the companies but I ended up saving about $20 each month. It’s only liability tho.

  14. Bernetta Patrick

    Allstate quoted the best rates in Maryland.

  15. Shera Contreras

    Anyone buy from AIG Insurance? I’m in Rutland, VT.

  16. Luis Mcfadden

    Good detail in your article. I’m in the north part of Cedar Rapids, IA. I got free quotes with AIG Insurance, Sentry, and USAA for my 2001 Toyota Avalon and am saving around $80 a year.

  17. Hector Moreno

    Allstate is decent in San Antonio, TX.

  18. Keira Rosario

    All companies are crooks. From northwest of Bellevue, NE. Quoted with 21st Century, AIG Insurance, and Erie for my Avalon and saved $90 a year. They have free quotes online.

  19. Angelic Case

    From northwest of Wichita, KS. Checked online prices for a 2001 Toyota Avalon. Ended up at about $110 savings annually. Went with Progressive. BTW speeding tickets are not good.

  20. Shanika Daniels

    Liked the article. Live in the southern part of Denver, CO. Got rates from Nationwide, Erie, Progressive, and AIG Insurance for my Avalon and I think I saved about $20 each month. Left Allstate to switch.

  21. Carri Bell

    I’m looking for cheaper coverage. Lifelong resident of Little Rock, Arkansas. Quoted with MetLife, Eastwood, State Farm, and American Family for my Toyota and I think I saved around $20 each month. I have a couple other vehicles on the policy. I used their online quote form to compare rates.

  22. Giovanna Langley

    Too expensive. I ride a bike.