Cheaper 2003 Toyota Celica Car Insurance Rates

Wish you could get out of high-priced insurance coverage? Believe me, there are many drivers thinking the same thing.

Numerous auto insurance companies battle to insure your vehicles, and because of this it can be hard to compare insurance companies to find the absolute best price available.

It’s a good idea to price shop coverage quite often since prices are usually higher with each renewal. Just because you had the best deal for Celica insurance six months ago other companies may now be cheaper. There is lot of inaccurate information about insurance coverage out there, but we’re going to give you a bunch of ideas how to lower your insurance coverage bill.

Cheaper auto insurance rates with discounts

Companies don’t list every possible discount very well, so we took the time to find some of the more common as well as some of the hidden discounts that you may qualify for.

  • Seat Belt Discounts – Using a seat belt and requiring all passengers to use a seat belt may be able to save a few bucks off the medical payments premium.
  • E-sign Discounts</strong – Certain companies will provide an incentive for completing your application on your computer.
  • Discounts for Cautious Drivers – Drivers who avoid accidents can get discounts for up to 45% lower rates for Celica insurance compared to rates paid by drivers with frequent claims.
  • Military Discounts – Being deployed in the military can result in better rates.
  • New Vehicle Savings – Putting insurance on a new car can cost up to 25% less since new model year vehicles are generally safer.
  • Life Insurance Discount – Not all insurance companies offer life insurance, but some may give you lower auto insurancerates if you buy a life insurance policy as well.
  • Clubs and Organizations – Affiliation with a civic or occupational organization could qualify you for a break when getting a car insurance quote.
  • Braking Control Discount – Cars, trucks, and SUVs equipped with ABS or steering control have fewer accidents and therefore earn up to a 10% discount.

Consumers should know that some of the credits will not apply to the overall cost of the policy. Most only reduce specific coverage prices like medical payments or collision. So even though it sounds like having all the discounts means you get insurance for free, insurance companies wouldn’t stay in business.

Popular auto insurance companies and a partial list of their discounts can be found below.

  • American Family may offer discounts for air bags, defensive driver, TimeAway discount, good driver, and mySafetyValet.
  • State Farm has discounts for defensive driving training, anti-theft, multiple policy, good driver, Drive Safe & Save, safe vehicle, and good student.
  • 21st Century policyholders can earn discounts including 55 and older, defensive driver, teen driver, theft prevention, automatic seat belts, early bird, and air bags.
  • Travelers includes discounts for payment discounts, driver training, continuous insurance, early quote, and multi-car.
  • Geico has savings for multi-vehicle, federal employee, good student, military active duty, five-year accident-free, daytime running lights, and anti-lock brakes.

If you want cheap car insurance quotes, ask each insurance company which discounts they offer. Some of the earlier mentioned discounts might not apply in every state. To see providers that offer multiple discounts, click here to view.

Shop auto insurance online

There are a lot of ways to compare auto insurance prices but there is one way that is less labor-intensive and much quicker. You can spend your afternoon talking to local insurance agents in your area, or you can stay home and use online quotes to achieve your goal.

Most car insurance companies take part in a program where insurance shoppers submit one quote, and at least one company returns a rated price. This eliminates the need for quote forms to each company.

To fill out one form to compare multiple rates now click here to start a free quote.

The only drawback to comparing rates this way is you can’t choose the insurers to get pricing from. If you would rather choose individual companies for rate comparison, we put together a list of companies who write auto insurance in your area. Click here for list of insurance companies.

Whichever way you use, make sure you are using equivalent coverage data on every quote you get. If you compare higher or lower deductibles it will be impossible to truly determine the lowest rate. Just a small difference in coverage limits can make a big difference in price. Keep in mind that making a lot of price comparisons will improve the odds of getting lower pricing. Not every company does online price quotes, so it’s recommended that you also compare price estimates on coverage from those companies, too.

Find more affordable insurance with these tips

Lots of factors are considered when pricing auto insurance. Some of the criteria are obvious like an MVR report, although some other factors are less apparent such as whether you are married or how financially stable you are.An important part of buying insurance is that you know a few of the rating criteria that are used to determine your premiums. If you understand what determines premiums, this allows you to make educated decisions that may reward you with lower premium levels.

  • Employer stress can affect rates – Did you know your career choice can influence rates? Careers like judges, architects and stock brokers tend to have the highest average rates attributed to high stress and lots of time spent at work. Other occupations like professors, engineers and retirees receive lower rates for Celica insurance.
  • Insurance policy lapses lead to higher premiums – Driving any period of time without insurance is a misdemeanor and any future policy may cost more because you let your insurance lapse. Not only will you pay higher rates, not being able to provide proof of insurance might get you a revoked license or a big fine. You may then have to provide proof of insurance in the form of an SR-22 filing with your state department of motor vehicles.
  • Drive lots and pay more – The more miles you rack up on your Toyota annually the higher your rates will be. A lot of insurance companies calculate prices based upon how the vehicle is primarily used. Cars and trucks that do not get driven very much receive lower rates than vehicles that are driven to work every day. Make sure your insurance policy reflects the correct usage for each vehicle. Having the wrong rating on your Celica is just wasting money.
  • Protect yourself with liability coverage – Your insurance policy’s liability coverage is the coverage that protects you if ever you are responsible for causing personal injury or damage in an accident. It will provide you with a defense in court which can cost thousands of dollars. This coverage is relatively inexpensive compared to insuring for physical damage coverage, so do not skimp.
  • Insurance rates in urban areas – Being located in a small town has it’s advantages when trying to find low car insurance rates. Less people living in that area means less chance of accidents and also fewer theft and vandalism claims. Drivers in populated areas have to deal with more auto accidents and more time behind the wheel. The longer drive time means a statistically higher chance of an accident.
  • Gender and insurance coverage – The statistics show that women are safer drivers than men. Now that doesn’t mean men are worse drivers. Both genders are responsible for accidents in similar percentages, but guys tend to have higher claims. In addition to higher claims, males also have more aggressive citations such as reckless driving. Young males are several times more likely to be in an accident so it costs more to insure them.

Tailor your insurance coverage coverage to you

When buying coverage for your vehicles, there really is no cookie cutter policy. Each situation is unique so your insurance needs to address that. These are some specific questions could help you determine if you could use an agent’s help.

  • Do I really need UM/UIM coverage?
  • Is a blown tire covered by insurance?
  • Do I need rental car coverage?
  • Am I covered if I crash into my own garage door?
  • When should I not file a claim?
  • Which companies will insure high-risk drivers?

If it’s difficult to answer those questions but a few of them apply then you might want to talk to an insurance agent. To find an agent in your area, complete this form or go to this page to view a list of companies.

The coverage is in the details

Understanding the coverages of your auto insurance policy aids in choosing which coverages you need for your vehicles. Auto insurance terms can be impossible to understand and reading a policy is terribly boring. Listed below are the usual coverages found on the average auto insurance policy.

Collision coverage protection

This pays to fix your vehicle from damage from colliding with another vehicle or an object, but not an animal. A deductible applies then your collision coverage will kick in.

Collision coverage protects against claims like hitting a parking meter, colliding with another moving vehicle, rolling your car and colliding with a tree. Collision is rather expensive coverage, so consider dropping it from vehicles that are 8 years or older. You can also choose a higher deductible to bring the cost down.

Liability

Liability insurance protects you from injuries or damage you cause to people or other property by causing an accident. This coverage protects you against other people’s claims. Liability doesn’t cover your injuries or vehicle damage.

Split limit liability has three limits of coverage: bodily injury per person, bodily injury per accident and property damage. As an example, you may have values of 100/300/100 which stand for $100,000 bodily injury coverage, a total of $300,000 of bodily injury coverage per accident, and a total limit of $100,000 for damage to vehicles and property. Another option is a combined single limit or CSL which provides one coverage limit without having the split limit caps.

Liability coverage pays for things such as emergency aid, attorney fees, bail bonds and medical services. How much liability coverage do you need? That is a decision to put some thought into, but it’s cheap coverage so purchase higher limits if possible.

Medical payments coverage and PIP

Personal Injury Protection (PIP) and medical payments coverage kick in for bills for things like prosthetic devices, chiropractic care, doctor visits and funeral costs. They are used in conjunction with a health insurance policy or if you lack health insurance entirely. Coverage applies to both the driver and occupants and also covers any family member struck as a pedestrian. PIP is not universally available and gives slightly broader coverage than med pay

Uninsured/Underinsured Motorist coverage

This coverage provides protection from other motorists when they either have no liability insurance or not enough. It can pay for hospital bills for your injuries as well as damage to your Toyota Celica.

Because many people only carry the minimum required liability limits, it only takes a small accident to exceed their coverage. That’s why carrying high Uninsured/Underinsured Motorist coverage is very important. Frequently the UM/UIM limits are set the same as your liablity limits.

Comprehensive coverage

This coverage covers damage caused by mother nature, theft, vandalism and other events. You first have to pay a deductible then your comprehensive coverage will pay.

Comprehensive coverage protects against claims such as damage from flooding, falling objects, a broken windshield and hitting a deer. The highest amount a auto insurance company will pay at claim time is the market value of your vehicle, so if your deductible is as high as the vehicle’s value consider dropping full coverage.

Don’t be a big spender

We’ve covered a lot of tips how to reduce 2003 Toyota Celica insurance premium rates online. It’s most important to understand that the more you quote car insurance, the more likely it is that you will get a better rate. You may be surprised to find that the biggest savings come from some of the lesser-known companies. These companies may cover specific market segments cheaper than their larger competitors like Progressive and Geico.

When shopping online for insurance, do not buy less coverage just to save a little money. There have been many cases where someone sacrificed full coverage only to regret that a couple dollars of savings turned into a financial nightmare. The ultimate goal is to purchase plenty of coverage for the lowest cost and still be able to protect your assets.

Budget-conscious 2003 Toyota Celica insurance is definitely available on the web in addition to local insurance agencies, so you need to shop car insurance with both to have the best selection. Some insurance companies do not provide the ability to get quotes online and these smaller providers work with independent insurance agents.

Additional information

Comments About 2003 Toyota Celica Insurance

  1. Britt Richards

    I’m just west of Baton Rouge, LA. Compared rates from a lot of places. Saved about $20 a month. Allstate was the cheapest option for me. Was with Sentry. I have several vehicles insured with them. Wish I didn’t have to insure at all.

  2. Yasmin Burks

    Live in Charleston, West Virginia. Not sure of all the companies but I ended up saving about $30 each month. Was with Esurance. Just go online and compare their rates. It’s too old for full coverage.

  3. Shauna Lowery

    In Columbus, GA, Amica had the best rates for my 2003 Toyota Celica. Switched homeowners coverage too.

  4. Terry Peterson

    I found pretty cheap rate quotes for a 2003 Toyota Celica in Phoenix, Arizona. Ended up at about $70 every six months with AIG Insurance. Thankfully I’m not a high risk driver.

  5. Modesto Beach

    What are minimum liability limits required in Maryland?

  6. Jacquie Moreno

    Hope my rates come down. Found cheapest coverage with Western Auto Insurance for my 2003 Toyota Celica and am saving around $110 a year. Was with The General. I’m thinking about dropping full coverage though.

  7. Erica Vasquez

    In Cincinnati, Ohio, GEICO is a good choice. Was with Hartford. I don’t insure for physical damage though.

  8. Alissa Mcgowan

    Where is cheaper car insurance? From northwest of Spokane, WA. Quoted quotes from Nationwide, Erie, GEICO, and Auto-Owners for my Celica and saved around $100 a year. Ask about discounts. Full coverage costs too much.

  9. Britt Walter

    I drive uninsured.

  10. Mackenzie Witt

    All companies are crooks. I’m in Jackson, MS. I quoted with AAA, Encompass, and Safeco for my Toyota and I’m now saving $21 a month.

  11. Melani Carpenter

    I’m from Norman, Oklahoma and for me Progressive had the lowest quote. Hopefully won’t need it. Not worth enough to pay for comprehensive and collision.

  12. Otelia Lott

    IMHO Aurora, Illinois seems to have good rates from 21st Century.

  13. Glady Cleveland

    It’s all a rip off. I live east of Charlotte, NC. Got free quotes online for a 2003 Toyota Celica. Ended up at about $70 savings annually. Went with 21st Century. Got better coverage too. They were helpful in switching over.