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.