2003 Toyota Sienna Car Insurance Quotes – 6 Discounts for Cheaper Rates

Car insurance shoppers not familiar with buying auto insurance online may discover buying affordable insurance is quite challenging.

This information will teach you how to get online quotes and some money-saving tips. If you are paying for car insurance now, you stand a good chance to be able to cut costs considerably using these methods. Although consumers can benefit from knowing the way companies price online insurance and apply this information to your search.

How to compare car insurance quotes

There are several ways to compare car insurance prices but one way is easier and takes less work. You can waste a lot of time talking to insurance agencies in your area, or you can utilize online quoting to quickly compare rates.

Many of the larger companies participate in an industry program where prospective buyers submit one quote, and every company returns a rated price based on that information. This system prevents you from having to do repetitive form submissions to each company.

To submit your quote information now, click here (opens in new window).

The only downside to getting quotes like this is that you can’t choose which insurance companies you want to price. So if you want to select from a list of companies to receive pricing from, we have a listing of the cheapest car insurance companies in your area. Click here for list of insurance companies.

The method you choose is up to you, but compare apples-to-apples coverage limits and deductibles on every quote you get. If you use differing limits it will be impossible to make an equal comparison. Even a minor difference in insurance coverages may result in a large different in cost. It’s important to know that comparing more quotes increases your odds of finding better pricing. Not every company does online price quotes, so you also need to get quotes from them as well.

Do I need special coverages?

When choosing coverage for your personal vehicles, there really is not a perfect coverage plan. Everyone’s needs are different.

For example, these questions can help discover if your situation might need an agent’s assistance.

  • Should I buy full coverage?
  • When should my teen driver be added to my policy?
  • Do I have coverage for damage caused while driving under the influence?
  • Is other people’s property covered if stolen from my vehicle?
  • Should I file a claim if it’s only slightly more than my deductible?
  • Where can I find high-risk insurance?
  • Do I need rental car coverage?
  • Should I have a commercial auto policy?
  • Is my 2003 Toyota Sienna covered for smoke damage?

If you don’t know the answers to these questions but you know they apply to you, then you may want to think about talking to an agent. To find an agent in your area, simply complete this short form.

Auto insurance coverages and their meanings

Understanding the coverages of your auto insurance policy aids in choosing which coverages you need and proper limits and deductibles. Policy terminology can be impossible to understand and nobody wants to actually read their policy.

Liability coverage – This will cover damage that occurs to people or other property. This insurance protects YOU against claims from other people. It does not cover your own vehicle damage or injuries.

It consists of three limits, per person bodily injury, per accident bodily injury, and a property damage limit. Your policy might show policy limits of 100/300/100 that translate to $100,000 in coverage for each person’s injuries, a total of $300,000 of bodily injury coverage per accident, and property damage coverage for $100,000. Occasionally you may see one number which is a combined single limit which combines the three limits into one amount rather than limiting it on a per person basis.

Liability coverage protects against things like legal defense fees, emergency aid, court costs, loss of income and repair costs for stationary objects. How much liability coverage do you need? That is your choice, but it’s cheap coverage so purchase as large an amount as possible.

Collision coverages – This coverage pays for damage to your Sienna from colliding with another car or object. A deductible applies and then insurance will cover the remainder.

Collision coverage pays for claims such as colliding with another moving vehicle, crashing into a ditch, hitting a mailbox and colliding with a tree. Collision coverage makes up a good portion of your premium, so consider removing coverage from lower value vehicles. Another option is to increase the deductible to bring the cost down.

Medical payments and PIP coverage – Medical payments and Personal Injury Protection insurance pay for short-term medical expenses like EMT expenses, doctor visits and rehabilitation expenses. The coverages can be used to fill the gap from your health insurance program or if you are not covered by health insurance. They cover all vehicle occupants and will also cover being hit by a car walking across the street. Personal injury protection coverage is not available in all states and gives slightly broader coverage than med pay

Comprehensive auto coverage – Comprehensive insurance will pay to fix damage OTHER than collision with another vehicle or object. You first must pay your deductible and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive coverage protects against claims such as hail damage, a broken windshield, theft and damage from a tornado or hurricane. The most your auto insurance company will pay is the market value of your vehicle, so if the vehicle is not worth much it’s not worth carrying full coverage.

UM/UIM (Uninsured/Underinsured Motorist) coverage – This protects you and your vehicle when the “other guys” are uninsured or don’t have enough coverage. This coverage pays for injuries sustained by your vehicle’s occupants as well as damage to your Toyota Sienna.

Since a lot of drivers have only the minimum liability required by law, it doesn’t take a major accident to exceed their coverage limits. For this reason, having high UM/UIM coverages is very important. Normally these limits are similar to your liability insurance amounts.

Comments About 2003 Toyota Sienna Insurance

  1. Norman Logan

    Lifelong resident of Parkersburg, WV. Got rates from 21st Century, Encompass, and Hanover for my 2003 Toyota Sienna and I’m now saving $12 a month.

  2. Dennise Reeves

    I found affordable 2003 Toyota Sienna insurance from 21st Century in Milwaukee, WI.

  3. Gladis Baldwin

    Nice post. Live in Cranston, RI. Quoted with American Family, Sentry, and a few others for my 2003 Toyota Sienna and saved $116 a year. They offer free online rate quotes.

  4. Clementina Horn

    Went with Allstate for my Toyota and cut my rates about $100 a year. Left Amica to switch. It’s still not cheap enough.

  5. Jessika Alford

    Great site. Located in Charlotte, North Carolina. Quoted quotes from State Farm, Auto-Owners, and some I forget for my Sienna and cut my rates about $80 a year. BTW speeding tickets are not good. I got a quote from their website. I think I’ll get rid of full coverage next time.

  6. Xavier Walker

    IT’S ALL TOO EXPENSIVE! I’m in Wilmington, DE. Went online for free insurance quotes for a 2003 Toyota Sienna. Ended up at about $70 savings annually. Went with Allstate. Insured with AIG Insurance before. Thankfully I’m not a high risk driver. Get lots of quotes to find the best rate. I think I’ll get rid of full coverage next time.

  7. Kasi Murray

    I live in a small town just outside of Davenport, Iowa, and 21st Century rates were best. Insured with Progressive before. I’m a pretty good driver though. They have free quotes online.

  8. Minerva Conner

    I’ve insured with Allstate for a long time. Pretty cheap in Aurora, Colorado.

  9. Michelle Jarvis

    From east side of Cleveland, OH. Compared rates from a lot of places. Saved darn near $30 a month. 21st Century was the best choice for me. Was with State Farm. My new agent seems to be really good. Are quotes cheaper online?

  10. Jaquelyn Rowe

    I chose to switch to State Farm from Auto-Owners. I live in Memphis, TN. You can get a rate quote online. Anyone else drop full coverage?

  11. Augustine Goodwin

    In Montgomery, AL, Auto-Owners had the best rates for my 2003 Toyota Sienna. Left Mercury to switch. Next renewal I’ll just do liability.

  12. Jonnie Blackburn

    Will State Farm raise rates after an accident?

  13. Darrin Gillespie

    Cheap is relative. I live in a small town just outside of Seattle, Washington. Got quotes with Travelers, Auto-Owners, The General, and Sentry for my 2003 Toyota Sienna and saved $100 a year. Moved home policy as well. LOL I don’t insure for physical damage though.

  14. Dorene Anthony

    I live on the south side of Hilo, HI. Quoted with Allstate, Auto-Owners, and some I forget for my Toyota and saved about $120 a year. I have a teen driver too.

  15. Awilda Hendricks

    All companies are crooks. I live just outside San Jose, California. Received rates from Auto-Owners, Eastwood, and MetLife for my Sienna and I think I saved around $30 each month. Was with Erie. Thankfully I’m not a high risk driver. Get lots of quotes to find the best rate.

  16. Nicol Colon

    Liked the article. I’m in Rochester, New York. Got prices from AAA, Mercury, and a few others for my 2003 Toyota Sienna and I’m now saving $18 a month. Insured with Allstate before. Just go online and compare their rates.