How Much Does 2004 Toyota Avalon Car Insurance Cost?

Expensive Toyota Avalon insurance can deplete your savings and possibly require postponing other expenditures. Getting a rate comparison is a great way to ensure you are getting the best deal.

Numerous car insurance companies battle for your business, and it can be difficult to compare rates to discover the definitive cheapest price

It’s smart to quote other rates quite often because insurance prices change frequently. Despite the fact that you may have had the lowest price for Avalon coverage at your last renewal you may be paying too much now. Forget anything you know (or think you know) about insurance because I’m going to teach you the fastest way to save on insurance.

If you currently have car insurance, you stand a good chance to be able to cut costs considerably using these methods. Choosing the best insurance company for you is not rocket science. Nevertheless, consumers must know how companies price online insurance because it can help you find the best coverage.

How to get low cost insurance

Most of the larger companies like State Farm, GEICO and Progressive provide prices direct online. Getting quotes is fairly simple because you just enter your personal and coverage information on the page. When the form is submitted, the system requests your driving record and credit report and generates pricing information. Being able to quote online makes comparing rates easy, but the time it takes to visit multiple sites and complete many quote forms is not the best way to spend an afternoon. Unfortunately, it is important to get many rate quotes in order to get the lowest possible prices on insurance.

The preferred way to compare rates uses just one form that gets price quotes from a bunch of companies at once. This type of form saves time, eliminates form submissions, and makes comparison shopping a lot less work. After sending the form, your coverage is rated and you can select your choice of the returned quotes. If the quotes result in lower rates, you simply finish the application and purchase coverage. The whole process just takes a couple of minutes and you will know how your current rates stack up.

If you want to compare rates using this form now, click here to open in a new tab and submit your coverage information. To compare your current rates, we recommend you copy the coverages just like they are on your policy. Using the same limits helps guarantee you will receive rate comparison quotes based on similar coverages.

Use discounts to get cheaper insurance coverage rates

Car insurance companies don’t always publicize all their discounts very well, so the following list contains a few of the more common as well as some of the hidden discounts that you may qualify for.

  • Discounts for Safe Drivers – Safe drivers could pay up to 40% less for Avalon coverage than drivers with accident claims.
  • Fewer Miles Equal More Savings – Low mileage vehicles could be rewarded with slightly better premium rates than normal.
  • Early Switch Discount – A few insurance companies offer discounts for buying a new policy early. It could save around 10% when you buy insurance coverage online.
  • Professional Organizations – Having an affiliation with specific professional or occupational memberships or organizations is a simple method to lower premiums on your next insurance coverage statement.
  • Seat Belt Usage – Drivers who require all occupants to buckle up could save 15% off PIP or medical payments premium.
  • Student Discount for Driver Training – Require your teen driver to take driver’s ed class as it will make them better drivers and lower rates.
  • New Car Discount – Buying insurance coverage coverage on a new vehicle can cost up to 25% less due to better safety requirements for new vehicles.
  • Paper-free Discount – Many insurance coverage companies provide a small discount simply for signing on the internet.
  • Passenger Safety Discount – Cars that have air bags and/or automatic seat belt systems can receive discounts of more than 20%.
  • Own a Home – Owning a house may earn you a small savings because it shows financial diligence.

A quick disclaimer, some credits don’t apply to your bottom line cost. Some only apply to specific coverage prices like comprehensive or collision. So even though it sounds like you could get a free insurance coverage policy, insurance coverage companies aren’t that generous.

Some of the insurance companies that possibly offer some of the discounts shown above include:

When getting free insurance coverage quotes, it’s a good idea to all the companies which discounts you may be entitled to. Some credits might not be offered in your area. If you would like to choose from a list of insurance coverage companies that offer discounts, click here to view.

Why your insurance rates might be higher

Smart consumers have a good feel for some of the things that are used to determine insurance rates. When consumers understand what determines base rates, this enables you to make decisions that will entitle you to lower rates.

  • Premiums are lower the older you get – Mature drivers are proven to be safer behind the wheel, tend to cause fewer accidents .Drivers with little experience are known to be less responsible with other occupants in the car therefore insurance rates are much higher.
  • Save money by raising deductibles – Coverage for physical damage, aka comp and collision, protects your Toyota from damage. Some instances where coverage would apply would be running into the backend of another car, vandalism, and rolling your vehicle. The deductibles you choose represent how much money you are required to pay in the event of a claim. The larger the amount the insured is willing to pay, the better rate you will receive for Avalon coverage.
  • Keep the miles off and save – Driving a lot of miles every year the higher the price you pay to insure it. Most companies charge to insure your cars determined by how the vehicle is used. Cars that are left in the garage can be on a lower rate level as compared to vehicles used primarily for driving to work. Double check that your insurance policy is rated on the correct driver usage. Improper usage on your Avalon may be costing you.
  • Theft deterrents save – Owning a car with a theft deterrent system can get you a discount on your insurance. Advanced theft deterrents like tamper alarm systems, vehicle immobilizer technology and General Motors OnStar all help prevent auto theft and help lower rates.
  • Does insurance cost more for men? – Over the last 30 years, statistics show that females take fewer risks when driving. That doesn’t necessarily mean that men are worse drivers. Both sexes cause auto accidents in similar numbers, but males have accidents that have higher claims. They also receive more costly citations like reckless driving and DUI. Male teenagers cause the most accidents and are penalized with high insurance rates.

Tailor your insurance coverage coverage to you

When it comes to choosing adequate coverage, there isn’t really a “perfect” insurance plan. Coverage needs to be tailored to your specific needs and a cookie cutter policy won’t apply. Here are some questions about coverages that might help in determining whether your personal situation will benefit from professional help.

  • Will filing a claim cost me more?
  • What is PIP insurance?
  • Does my insurance cover my expensive audio equipment?
  • Do I get a pro-rated refund if I cancel my policy early?
  • Is my teen driver covered when they drive my company car?
  • What is the difference between comprehensive and collision coverage?
  • Will I be non-renewed for getting a DUI or other conviction?
  • Am I covered when driving a rental car?
  • What is roadside assistance coverage?
  • Am I covered when driving in Canada or Mexico?

If you don’t know the answers to these questions but one or more may apply to you, then you may want to think about talking to a licensed insurance agent. To find an agent in your area, simply complete this short form or you can go here for a list of companies in your area.

Coverages available on your policy

Knowing the specifics of your car insurance policy can be of help when determining the right coverages for your vehicles. The terms used in a policy can be ambiguous and reading a policy is terribly boring. Shown next are the usual coverages found on most car insurance policies.

Medical expense insurance

Personal Injury Protection (PIP) and medical payments coverage reimburse you for short-term medical expenses such as dental work, pain medications, chiropractic care and X-ray expenses. They are used to cover expenses not covered by your health insurance policy or if you are not covered by health insurance. Coverage applies to all vehicle occupants and will also cover if you are hit as a while walking down the street. PIP is not an option in every state but it provides additional coverages not offered by medical payments coverage

Liability coverage

This coverage protects you from damage that occurs to people or other property. It protects YOU from legal claims by others, and doesn’t cover damage to your own property or vehicle.

Split limit liability has three limits of coverage: per person bodily injury, per accident bodily injury, and a property damage limit. You commonly see policy limits of 50/100/50 that translate to $50,000 in coverage for each person’s injuries, a total of $100,000 of bodily injury coverage per accident, and a limit of $50,000 paid for damaged property.

Liability coverage protects against things like emergency aid, bail bonds, repair bills for other people’s vehicles, medical services and attorney fees. How much liability should you purchase? That is a personal decision, but you should buy as large an amount as possible.

Comprehensive (Other than Collision)

This coverage pays to fix your vehicle from damage OTHER than collision with another vehicle or object. You first must pay your deductible and then insurance will cover the rest of the damage.

Comprehensive insurance covers things such as theft, falling objects, a tree branch falling on your vehicle, damage from a tornado or hurricane and vandalism. The most your car insurance company will pay is the actual cash value, so if your deductible is as high as the vehicle’s value consider removing comprehensive coverage.

Collision insurance

This coverage covers damage to your Avalon resulting from colliding with another car or object. A deductible applies and the rest of the damage will be paid by collision coverage.

Collision can pay for claims such as sideswiping another vehicle, driving through your garage door, damaging your car on a curb, crashing into a building and sustaining damage from a pot hole. Collision is rather expensive coverage, so consider dropping it from vehicles that are older. You can also choose a higher deductible to bring the cost down.

Protection from uninsured/underinsured drivers

This protects you and your vehicle’s occupants when the “other guys” either have no liability insurance or not enough. This coverage pays for medical payments for you and your occupants and also any damage incurred to your Toyota Avalon.

Since a lot of drivers have only the minimum liability required by law, their limits can quickly be used up. For this reason, having high UM/UIM coverages is a good idea.

Be Smart and Buy Smart

We covered a lot of techniques to shop for 2004 Toyota Avalon insurance online. The key concept to understand is the more you quote insurance coverage, the more likely it is that you will get a better rate. You may even find the lowest premium rates are with the smaller companies. These smaller insurers often have lower prices on specific markets than their larger competitors like Progressive and GEICO.

When you buy insurance coverage online, don’t be tempted to buy less coverage just to save a little money. There have been many situations where an accident victim reduced full coverage only to regret at claim time they didn’t have enough coverage. The goal is to purchase a proper amount of coverage at the best cost, but do not sacrifice coverage to save money.

Additional learning opportunities

Comments About 2004 Toyota Avalon Insurance

  1. Adan Allison

    Will GEICO raise rates for a small claim?

  2. Codi Mcpherson

    I live north of Birmingham, Alabama. Quoted with Hanover, American Family, Sentry, and a couple others for my Avalon and saved about $70 a year. Left The General to switch. Switched homeowners coverage too. Not worth enough to pay for comprehensive and collision.

  3. Deidra Harris

    Just my two cents. I’m in the suburbs of Honolulu, HI. Went online for free insurance quotes for a 2004 Toyota Avalon. Ended up at about $80 savings annually. Went with 21st Century.

  4. Rolf Kinney

    I got decent rates for a 2004 Toyota Avalon in Hilo, HI. Ended up at roughly $90 every six months with AIG Insurance. Left Nationwide to switch. I’m thinking about dropping full coverage though.

  5. Jessika Sanford

    Affordable car insurance is a myth. From northwest of Chesapeake, Virginia. Not sure of all the companies but I ended up saving about $20 each month. I have a couple other vehicles on the policy. I used their website to get prices. I don’t insure for physical damage though.

  6. Lilia Vega

    Cheaper not always better. I live just outside Honolulu, Hawaii. Got prices from AIG Insurance, Mercury, and a few others for my Toyota and saved $74 a year. Left GEICO to switch. I have a teen driver too. I got prices on the web. Not worth enough to pay for comprehensive and collision.

  7. Meta Adkins

    Not sure if this is cheap. I’m in the suburbs of San Antonio, TX. Got car insurance quotes from The General, Auto-Owners, Mercury, and a couple others for my Avalon and saved just over $60 a year. Liability only on my Toyota.

  8. Rashida Hanson

    Is a custom audio system covered by insurance?

  9. Verlie Puckett

    Proud to be from Nampa, Idaho. Not sure of all the companies but I ended up saving about $30 each month.

  10. Stephany Walters

    Got pretty cheap 2004 Toyota Avalon insurance from Allstate in San Jose, CA.

  11. Fay Newman

    Like your site, BTW. From a town just southwest of Worcester, Massachusetts. I compared lots of rates. Saved darn near $20 a month. Progressive was the cheapest option for me. Left USAA to switch. I used their website to get prices. When should I drop full coverage?