Save on 2002 Toyota ECHO Insurance Cost

Looking for better insurance rates for your Toyota ECHO? Finding better insurance prices for a Toyota ECHO can turn out to be a lot of work, but you can use these tips to make it easier. There is a better way to buy insurance and we’ll show you the proper way to get price quotes for a Toyota and obtain the lowest price from local insurance agents and online providers.

The quickest method we recommend to compare insurance rates from multiple companies is to understand most larger insurance companies participate in a system to compare their rates. To begin a comparison, all you need to do is provide a little information including what you do for a living, how much school you completed, distance driven, and how much coverage you want. Your details gets transmitted to multiple companies and you should receive rate quotes with very little delay.

To find lower rates now, click here and see if a lower rate is available.

Tailor your car insurance coverage to you

When it comes to choosing proper insurance coverage for your personal vehicles, there isn’t really a single plan that fits everyone. Every insured’s situation is different.

For example, these questions could help you determine whether or not you might need professional guidance.

  • Can my teen driver be rated on a liability-only vehicle?
  • Is my nanny covered when driving my vehicle?
  • When should I drop full coverage on my 2002 Toyota ECHO?
  • Do I need rental car coverage?
  • What can I do if my company denied a claim?
  • Does my policy pay for OEM or aftermarket parts?

If you don’t know the answers to these questions but you know they apply to you, you might consider talking to an agent. To find lower rates from a local agent, take a second and complete this form. It’s fast, free and can provide invaluable advice.

Detailed coverages of your insurance policy

Learning about specific coverages of your policy aids in choosing which coverages you need at the best deductibles and correct limits. The terms used in a policy can be confusing and reading a policy is terribly boring.

Liability auto insurance – Liability coverage will cover damage that occurs to people or other property that is your fault. It protects YOU from legal claims by others, and doesn’t cover 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. Your policy might show values of 50/100/50 which stand for $50,000 bodily injury coverage, a total of $100,000 of bodily injury coverage per accident, and a total limit of $50,000 for damage to vehicles and property.

Liability coverage pays for claims such as funeral expenses, legal defense fees and repair costs for stationary objects. How much liability coverage do you need? That is a personal decision, but it’s cheap coverage so purchase as much as you can afford.

Collision – This coverage pays for damage to your ECHO resulting from colliding with an object or car. You will need to pay your deductible and then insurance will cover the remainder.

Collision coverage protects against things like crashing into a building, colliding with another moving vehicle, damaging your car on a curb, sideswiping another vehicle and rolling your car. Collision coverage makes up a good portion of your premium, so consider dropping it from vehicles that are 8 years or older. You can also choose a higher deductible to bring the cost down.

Comprehensive protection – This coverage will pay to fix damage caused by mother nature, theft, vandalism and other events. You need to pay your deductible first and then insurance will cover the rest of the damage.

Comprehensive coverage pays for things like hitting a deer, a broken windshield and fire damage. The maximum payout a insurance company will pay at claim time is the actual cash value, so if it’s not worth much more than your deductible it’s not worth carrying full coverage.

Uninsured or underinsured coverage – Your UM/UIM coverage gives you protection from other motorists when they either have no liability insurance or not enough. It can pay for injuries to you and your family and also any damage incurred to your Toyota ECHO.

Since many drivers carry very low liability coverage limits, their liability coverage can quickly be exhausted. So UM/UIM coverage should not be overlooked.

Medical expense coverage – Medical payments and Personal Injury Protection insurance kick in for immediate expenses for nursing services, chiropractic care, EMT expenses, surgery and X-ray expenses. They are used to fill the gap from your health insurance policy or if you do not have health coverage. They cover both the driver and occupants in addition to getting struck while a pedestrian. PIP is not universally available but it provides additional coverages not offered by medical payments coverage

Comments About 2002 Toyota ECHO Insurance

  1. Venita Howell

    I got decent rates for a 2002 Toyota ECHO in Rio Rancho, New Mexico. Ended up at darn near $120 every six months with American Family. Left USAA to switch. I used their online quote form to compare rates.

  2. Jefferson Knight

    I got quite a few price quotes for a 2002 Toyota ECHO in Oklahoma City, Oklahoma. Ended up at roughly $120 every six months with AIG Insurance.

  3. Ralph Washington

    2002 Toyota ECHO + Progressive = GOOD RATES!

  4. Zelda Leonard

    I got quite a few price quotes for a 2002 Toyota ECHO in Newark, Delaware. Ended up at roughly $70 every six months with American Family. Even increased my liability limits. I just quoted rates online. I don’t insure for physical damage though.

  5. Lindsey Bender

    $100 to anyone who understands their policy.

  6. Sharen Jarvis

    Does South Dakota have minimum liability requirements?

  7. Elena Rhodes

    Nice post. Live in the western part of Greensboro, North Carolina. I compared lots of rates. Saved darn near $20 a month. State Farm was the cheapest for me. I only have liability coverage on it.

  8. Preston Mcbride

    From northwest of Fort Smith, Arkansas. Quoted quotes with 21st Century, The General, and Esurance for my 2002 Toyota ECHO and saved $76 a year. I have several vehicles insured with them. Online quotes are the way to go. I don’t put full coverage on it.

  9. Genesis Heath

    Progressive has the cheapest rates in Pennsylvania. No comparison.

  10. Toya Mack

    Checking in from Paterson, NJ. Can’t remember who all I quoted but I ended up saving about $20 each month. Left Liberty Mutual to switch. I think I’ll get rid of full coverage next time.

  11. Ginger Gallagher

    If you don’t have tickets and live around Davenport, Iowa, check out Progressive. They seem to be cheaper. Insured with Farmers before.

  12. Kallie Benjamin

    IT’S ALL TOO EXPENSIVE! Went with Travelers for my Toyota and cut my rates about $90 a year. Not worth enough to pay for comprehensive and collision.

  13. Esteban Moss

    Does Montana have minimum liability laws?

  14. Marisha Crawford

    Will Progressive raise rates for a windshield claim?

  15. Starr Hutchinson

    It all costs too much. I’m just north of Juneau, Alaska. Quoted with 21st Century, Farmers, and Hanover for my 2002 Toyota ECHO and I think I saved around $20 each month. Might find lower rates online. Full coverage costs too much.

  16. Burton Sparks

    Will 21st Century raise rates if I file a claim?

  17. Junie Powers

    If you have a good history and live in the vicinity of Chicago, Illinois, check out 21st Century. They seem to be cheaper. Left Eastwood to switch. A clean driving record helps. Hardly afford to drive anymore. Next renewal I’ll just do liability.

  18. Ned Irwin

    Got a quote with AAA for my 2002 Toyota ECHO and saved around $60 a year. Insured with Hanover before. I don’t have comp or collision coverage.

  19. Raul Strong

    Here’s my info. From a town just southwest of Columbia, SC. Got free quotes online for a 2002 Toyota ECHO. Ended up at about $90 savings annually. Went with State Farm. Even increased coverage a bit. I recommend comparing lots of rates. I don’t have comp or collision coverage.

  20. Erin Stanley

    Just a quick comment on my experience. From Juneau, AK. I don’t recall every quote but I ended up saving about $30 each month. I get lower rates because of my clean driving record. They have free quotes online. Only insure liability on my ECHO.

  21. Katheryn Ware

    I found pretty cheap rate quotes for a 2002 Toyota ECHO in Cincinnati, Ohio. Ended up at roughly $110 every six months with Amica. Only insure liability on my ECHO.

  22. Malka Kirkland

    I got quite a few price quotes for a 2002 Toyota ECHO in New York City, NY. Ended up at right around $120 every six months with American Family. Thankfully I have a good driving record. Just go online and compare their rates. Full coverage costs too much.