Cheaper 2001 Toyota Celica Insurance Quotes

Want the cheapest insurance rates for your Toyota Celica? Finding more affordable prices on Driversinsurance could be hard for drivers who are beginners to quoting coverage rates online. With a ridiculous number of insurers to choose from, it can easily become a ton of work to find the lowest price.

Where can I get affordable car insurance?

When looking for inexpensive car insurance quotes, there are a couple ways to compare prices from different companies. The easiest way by far to find the cheapest 2001 Toyota Celica insurance rates is to get quotes online. It is quite easy and can be accomplished in several different ways.

  1. The most efficient way to get the best comparison quotes is a comparison rater form like this one (opens in new window). This form keeps you from doing a different quote to each individual car insurance company. Just one form gets coverage cost estimates from multiple companies. It’s definitely the quickest method.
  2. Another way to analyze rates is spending the time to visit each company’s website and request a quote. For sake of this example, we’ll assume you want to compare Auto-Owners, Esurance and Allstate. You would have to go to each individual site and type in your information over and over, which is why the first method is quicker.

    To view a list of companies in your area, click here.

The approach you take is up to you, just ensure you are comparing exactly the same deductibles and coverage limits with every price quote. If each company quotes different coverage information it will be impossible to decipher which rate is best. Quoting even small variations in insurance coverages can make a big difference in price. And when comparison shopping, comparing all the rates in your area helps increase your odds of locating the best price. Not every company does price estimates online, so it’s important to also get prices from them, too.

Well known brands might not be cheapest

Respected companies like State Farm and Allstate endlessly run television, radio, and online ads. All the ads advertise claims about savings just by moving your coverage to them. That’s great but how can every company cost less than your current company? This is how they do it.

Insurance providers quote their best rates for the type of insured that will add to their bottom line. A good example of a desirable risk might be between the ages of 30 and 50, has no claims, and drives less than 10,000 miles a year. Any new insured that meets those criteria will most likely get cheap prices and therefore will save if they switch.

People who do not meet the “perfect” profile may be required to pay a more expensive rate and this results in business going elsewhere. If you pay close attention to the ads, they say “customers that switch” not “everyone who quotes” save the amount stated. That’s the way insurance companies can make the claims of big savings. This really illustrates why it’s extremely important to compare many company’s prices. It’s just not possible to know with any certainty which company will have the lowest premium rates for your situation.

Seven things that impact your insurance costs

Many different elements are considered when quoting car insurance. Most are fairly basic like an MVR report, although some other factors are less obvious like your continuous coverage or your financial responsibility.

  • Liability protection risk factors in – The liability section of your policy provides coverage when a jury decides you are liable for damages caused by your negligence. Your policy’s liability insurance provides for a legal defense to attempt to prove you were not liable. It is affordable coverage compared to insuring for physical damage coverage, so buy as much as you can afford.
  • Companies want multiple policies – Most major companies allow better rates to insureds who buy several policies from them. It’s known as a multi-policy discount. Discounts can amount to as much as ten percent or more Even if you qualify for this discount already, you still need to shop around to verify if the discount is saving money. You may still be able to save even more than the discount by insuring with multiple companies.
  • Consider raising coverage deductibles – Protection for physical damage, aka comp and collision, covers your vehicle from damage. Some instances where coverage would apply are running into the backend of another car, flood damage, and damage caused by flying debris. Physical damage deductibles are how much you are required to pay in the event of a claim. The more expense the insured has to pay upfront, the lower your rates will be on Celica insurance.
  • Pay more if you have a long commute – Residing in less populated areas is a positive aspect when insuring your vehicles. Less people living in that area translates into fewer accidents and lower theft and vandalism rates. People in densly populated areas have to deal with more traffic problems and longer commute times. More time on the road means more chance of being in an accident.
  • Save miles and save money – The more you drive your Toyota annually the more you will pay for insurance. Many insurance companies rate vehicles based on their usage. Vehicles that do not get driven very much can get a lower rate than vehicles that have high annual mileage. Improper usage on your Celica is just wasting money. Make sure your insurance coverage is rated on annual mileage, because improper ratings can cost you money.
  • Save money by having high credit – Having a good credit score can be an important factor in calculating your premium rate. Drivers who have very good credit scores tend to file fewer claims and have better driving records than those with lower credit ratings. Therefore, if your credit history can use some improvement, you may save money insuring your 2001 Toyota Celica if you clean up your credit.
  • Battle of the sexes – The statistics show that females tend to be a little less risky than males. However, don’t assume that men are worse drivers. Women and men get in auto accidents at about the same rate, but males cause more damage. Men also statistically receive more major tickets such as reckless driving. Youthful male drivers are the most expensive to insure so they pay the highest premiums.

Do you qualify for discounts?

Insurance is not cheap nor is it fun to buy but there may be some discounts that many people don’t even know exist. Many discounts should be triggered when you get a quote, but some discounts are required to be specifically requested before you get the savings. If you are not receiving all the discounts possible, you are throwing money away.

  • Federal Government Employee – Being employed by or retired from a federal job could qualify for a slight premium decrease on Celica insurance with some insurance companies.
  • Lower Rates for Military – Being deployed in the military may lower your insurance rates slightly.
  • Good Student Discount – This discount can earn a discount of 20% or more. The good student discount can last well after school through age 25.
  • E-sign – Some companies will provide an incentive for completing your application over the internet.
  • Driver Training Discounts – Taking a course in driver safety can save you 5% or more if your company offers it.
  • ABS and Traction Control Discounts – Cars with ABS braking systems or traction control are much safer to drive so you can save 10 percent or more.
  • Drivers Ed for Students – Require your teen driver to sucessfully take a drivers education course if it’s offered in school.
  • Telematics Data Discounts – People who choose to allow their company to track where and when they drive remotely like In-Drive from State Farm and Progressive’s Snapshot could see a rate decrease if they have good driving habits.
  • Low Mileage – Low annual miles may allow you to get slightly better prices than normal.
  • Theft Deterent System – Cars and trucks equipped with anti-theft or alarm systems are less likely to be stolen and earn discounts up to 10% off your car insurance quote.

While discounts sound great, it’s important to understand that most discount credits are not given the the whole policy. Most only reduce the price of certain insurance coverages like comprehensive or collision. So even though it sounds like it’s possible to get free car insurance, nobody gets a free ride.

The best insurance companies and some of the premium reductions they offer can be read below.

  • Farm Bureau offers discounts for multi-vehicle, good student, youthful driver, 55 and retired, and multi-policy.
  • MetLife offers premium reductions for accident-free, claim-free, multi-policy, good driver, good student, defensive driver
  • Progressive has savings for good student, homeowner, online signing, multi-vehicle, multi-policy, and continuous coverage.
  • AAA includes discounts for anti-theft, education and occupation, multi-policy, good student, multi-car, and good driver.
  • American Family may offer discounts for Steer into Savings, early bird, good student, air bags, and mySafetyValet.
  • GEICO policyholders can earn discounts including federal employee, anti-lock brakes, air bags, seat belt use, driver training, and defensive driver.
  • State Farm may include discounts for accident-free, good driver, passive restraint, anti-theft, driver’s education, multiple policy, and multiple autos.

Before buying, ask every company the best way to save money. Depending on the company, some discounts might not be offered on policies in your state. If you would like to choose from a list of providers that offer multiple discounts, click here.

Don’t assume everyone needs the same insurance coverage coverage

When it comes to buying proper insurance coverage, there really is no cookie cutter policy. Your needs are not the same as everyone else’s.

Here are some questions about coverages that might point out if your insurance needs may require specific advice.

  • Is my cargo covered for damage or theft?
  • Am I covered if I crash into my own garage door?
  • What if I don’t agree with a claim settlement offer?
  • Does my policy cover me when driving someone else’s vehicle?
  • I have a DUI can I still get coverage?
  • Will my insurance pay for OEM parts?
  • Is extra glass coverage worth it?
  • Can I get a multi-policy discount?

If it’s difficult to answer those questions but you think they might apply to your situation, you might consider talking to an agent. To find lower rates from a local agent, simply complete this short form.

Insurance coverage breakdown

Having a good grasp of insurance can be of help when determining which coverages you need and proper limits and deductibles. The coverage terms in a policy can be confusing and reading a policy is terribly boring.

Collision coverage

This pays to fix your vehicle from damage from colliding with an object or car. You first must pay a deductible then the remaining damage will be paid by your insurance company.

Collision coverage protects against things like colliding with another moving vehicle, crashing into a building and sideswiping another vehicle. Paying for collision coverage can be pricey, so consider removing coverage from lower value vehicles. It’s also possible to increase the deductible in order to get cheaper collision rates.

Protection from uninsured/underinsured drivers

Uninsured or Underinsured Motorist coverage provides protection when other motorists do not carry enough liability coverage. This coverage pays for injuries to you and your family and damage to your Toyota Celica.

Since a lot of drivers only purchase the least amount of liability that is required, it doesn’t take a major accident to exceed their coverage limits. So UM/UIM coverage is very important.

Liability insurance

This can cover damage or injury you incur to other people or property in an accident. It protects YOU against claims from other people, and doesn’t cover your injuries or vehicle damage.

It consists of three limits, per person bodily injury, per accident bodily injury, and a property damage limit. Your policy might show limits of 25/50/25 which stand for $25,000 in coverage for each person’s injuries, a per accident bodily injury limit of $50,000, and property damage coverage for $25,000.

Liability coverage pays for things such as medical services, funeral expenses, pain and suffering and court costs. The amount of liability coverage you purchase is a personal decision, but consider buying as much as you can afford.

Comprehensive (Other than Collision)

Comprehensive insurance coverage pays for damage that is not covered by collision coverage. You first have to pay a deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive can pay for claims such as damage from a tornado or hurricane, vandalism, a tree branch falling on your vehicle, falling objects and hitting a deer. The highest amount your insurance company will pay is the actual cash value, so if it’s not worth much more than your deductible consider removing comprehensive coverage.

Medical expense insurance

Medical payments and Personal Injury Protection insurance pay for short-term medical expenses for things like chiropractic care, ambulance fees, pain medications and prosthetic devices. They are often used in conjunction with a health insurance program or if you do not have health coverage. They cover not only the driver but also the vehicle occupants and also covers if you are hit as a while walking down the street. PIP is not an option in every state and gives slightly broader coverage than med pay

In conclusion

More affordable car insurance is definitely available online and from local agencies, and you should compare price quotes from both in order to have the best chance of saving money. Some insurance companies do not offer the ability to get a quote online and most of the time these smaller companies sell through independent agencies.

As you prepare to switch companies, you should never buy lower coverage limits just to save a few bucks. In many cases, drivers have reduced comprehensive coverage or liability limits only to find out that it was a big mistake. The aim is to find the BEST coverage at the lowest possible cost while not skimping on critical coverages.

Drivers switch companies for any number of reasons including delays in responding to claim requests, policy non-renewal, delays in paying claims and denial of a claim. Whatever your reason, finding the right car insurance provider is not as hard as you think.

More detailed car insurance information is available at these sites:

Comments About 2001 Toyota Celica Insurance

  1. Lani Lucas

    Liked the article. Located in Mesa, AZ. Quoted with Auto-Owners, Nationwide, and Travelers for my 2001 Toyota Celica and cut my rates about $60 a year. Left Encompass to switch. I even had a DUI years ago. I got prices on the web.

  2. Johnie Reese

    I live just outside Little Rock, AR. I got free quotes from AAA, Safeco, and some smaller one I can’t remember the name of for my 2001 Toyota Celica and saved around $70 a year. I’m a pretty low risk driver. God forbid I actually have a claim. I don’t insure for physical damage though.

  3. Beata Foreman

    Here’s my quote info. I live south of Lewiston, ME. Got quotes with AAA, Sentry, and some smaller one I can’t remember the name of for my Celica and I’m now saving $25 a month. Have a couple speeding tickets too.

  4. Mafalda Wong

    All companies are crooks. I’m in the suburbs of Wilmington, DE. Received prices from Nationwide, Farmers, GEICO, and AIG Insurance for my Toyota and I’m now saving $20 a month. I just quoted rates online.

  5. Liz Ball

    Good site, thanks. Got a quote with AAA for my Toyota and am saving around $100 a year. Left Mercury to switch. I don’t insure for physical damage though.

  6. Ramonita Hatfield

    Hope my car insurance gets cheaper. Lifelong resident of Dover, DE. Compared rates from a lot of places. Saved right around $20 a month. Progressive was the most affordable for me. Online quotes are the way to go.

  7. Curtis Simpson

    It all costs too much. I live in a small town just outside of Newark, New Jersey. I quoted with 21st Century, Hanover, and Eastwood for my Celica and I think I saved around $30 each month.

  8. Yasmin Page

    I got decent rates for a 2001 Toyota Celica in Portland, OR. Ended up at about $80 every six months with Auto-Owners. They offer free online rate quotes.

  9. Clyde Dillon

    Thanks for putting this site together. I live in a small town just outside of Boston, Massachusetts. Got prices from Allstate, AAA, and some I forget for my 2001 Toyota Celica and I’m now saving $11 a month. I got prices on the web. I don’t have comp or collision coverage.

  10. Codi Vasquez

    Lots of useful info here. From east side of Springfield, MO. Checked online prices for a 2001 Toyota Celica. Ended up at about $120 savings annually. Went with Allstate. God forbid I actually have a claim.

  11. Vania Guthrie

    I’m in the suburbs of Nampa, ID. Got prices from USAA, American Family, GMAC, and MetLife for my Toyota and saved around $100 a year. My new agent seems to be really good. I just carry liability insurance.