Lower Your 2004 Toyota Celica Insurance Quotes

Trying to find low-cost insurance for a Toyota Celica can normally be a painful process, but you can learn a few tricks to find lower rates. There are more efficient ways to compare car insurance rates and you need to know the quickest way to compare rates for a new or used Toyota and get the cheapest rates from both online companies and local agents.

You should take the time to check car insurance prices on a regular basis since prices tend to go up over time. Even if you got the lowest rate on Celica insurance at your last renewal you will most likely find a better premium rate today. You can find a lot of wrong information about car insurance online but by reading this article, you’re going to learn the easiest ways to buy car insurance cheaper.

If you have insurance now or are shopping for new coverage, you can follow these tips to find the best rates and possibly find even better coverage. Locating affordable protection is quite easy. Consumers just need to understand the proper way to shop for insurance over the internet.

Which car insurance is cheapest?

Finding a lower price on 2004 Toyota Celica insurance is pretty simple and can save money. You just need to spend a few minutes comparing rate quotes to find out which insurance company has the cheapest insurance quotes. This is very easy and can be done using a couple different methods.

  1. The fastest and easiest way to find the lowest comparison rates is a comparison rater form click to view form in new window. This method saves time by eliminating boring form submissions for every prospective company. A single form will return quotes direct from many companies. Just one form and you’re done.
  2. A more difficult way to find more affordable insurance consists of visiting the website for every company you want to comare and get a separate price quote. For instance, let’s assume you want to view quotes from Auto-Owners, Allstate and American Family. To get rate quotes you would need to go to every website and type in your information over and over, which can get old fast.

    For a list of companies in your area, click here.

  3. Even if you have time, the least recommended method to do your price quoting is physically going to different agent offices. Comparing rate quotes online eliminates the need for an insurance agent unless you prefer the personal advice that only an agent can give. Although, it is possible comparison shop online but still have the advice of a local agent.

The method you choose is up to you, but try to use identical information with every price quote. If you use unequal deductibles or liability limits it will be next to impossible to determine which company has the best rates.

Tailor your insurance coverage coverage to you

When choosing proper insurance coverage, there really is no cookie cutter policy. Everyone’s needs are different.

Here are some questions about coverages that might point out if you may require specific advice.

  • Do I need rental car coverage?
  • Why am I required to buy high-risk coverage?
  • Do I have coverage when pulling a U-Haul trailer?
  • Is there coverage for injuries to my pets?
  • Does car insurance cover theft of personal property?
  • Do I benefit by insuring my home with the same company?

If you’re not sure about those questions but you think they might apply to your situation then you might want to talk to an agent. If you want to speak to an agent in your area, take a second and complete this form. It’s fast, free and can help protect your family.

Car insurance coverages and their meanings

Understanding the coverages of car insurance can help you determine appropriate coverage for your vehicles. Car insurance terms can be impossible to understand and nobody wants to actually read their policy.

Insurance for medical payments

Med pay and PIP coverage pay for immediate expenses for things like X-ray expenses, EMT expenses, funeral costs, pain medications and prosthetic devices. They are used in conjunction with a health insurance program or if you do not have health coverage. It covers both the driver and occupants in addition to getting struck while a pedestrian. PIP coverage is not available in all states and gives slightly broader coverage than med pay

Coverage for liability

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

Split limit liability has three limits of coverage: bodily injury per person, bodily injury per accident and property damage. You might see liability limits of 100/300/100 that means you have a limit of $100,000 per injured person, a limit of $300,000 in injury protection per accident, and $100,000 of coverage for damaged propery.

Liability insurance covers things like legal defense fees, bail bonds, structural damage and repair costs for stationary objects. How much liability coverage do you need? That is a personal decision, but buy higher limits if possible.

Collision protection

This coverage covers damage to your Celica from colliding with another car or object. You will need to pay your deductible and the rest of the damage will be paid by collision coverage.

Collision coverage protects against claims such as driving through your garage door, scraping a guard rail, backing into a parked car, colliding with another moving vehicle and sideswiping another vehicle. Collision coverage makes up a good portion of your premium, so analyze the benefit of dropping coverage from lower value vehicles. Another option is to bump up the deductible to bring the cost down.

Uninsured Motorist or Underinsured Motorist insurance

Uninsured or Underinsured Motorist coverage provides protection when the “other guys” do not carry enough liability coverage. It can pay for medical payments for you and your occupants and damage to your Toyota Celica.

Due to the fact that many drivers carry very low liability coverage limits, their limits can quickly be used up. That’s why carrying high Uninsured/Underinsured Motorist coverage should not be overlooked.

Comprehensive coverage (or Other than Collision)

Comprehensive insurance covers damage from a wide range of events other than collision. You first have to pay a deductible and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive can pay for things like hitting a deer, a tree branch falling on your vehicle, damage from getting keyed and fire damage. The maximum payout you’ll receive from a claim is the ACV or actual cash value, so if your deductible is as high as the vehicle’s value consider removing comprehensive coverage.

Comments About 2004 Toyota Celica Insurance

  1. Jenette Montgomery

    Does New Hampshire require a SR-22 after a DUI?

  2. Jacinto Alford

    Cheaper not always better. Checking in from Bridgeport, CT. Quoted a bunch of companies. Saved about $30 a month. Allstate was the best choice for me. Was with GMAC. Even increased coverage a bit. Just go online and compare their rates.

  3. Herlinda Mendez

    I’m looking for cheaper coverage. I’m just south of Rochester, NY. I got free quotes from Mercury, Esurance, GEICO, and Auto-Owners for my 2004 Toyota Celica and I’m now saving $22 a month. Insured with Erie before. Switched homeowners coverage too.

  4. Joni Dudley

    Anyone buy from Amica? I’m in Salt Lake City, UT.

  5. Rico Cole

    I’m in Springfield, MA. Quoted with USAA, Amica, Liberty Mutual, and Safeco for my Celica and saved $86 a year. I have a couple other vehicles on the policy. Hardly afford to drive anymore. Anyone else drop full coverage?

  6. Eli Todd

    I was with GMAC last year but switched to Progressive. I live on the north side of Norfolk, VA. Was with The General. Hopefully won’t need it. LOL When should I drop full coverage?

  7. Jeffrey Schultz

    Are custom wheels covered by insurance?

  8. Dalene Valenzuela

    I’m in Grand Rapids, MI, and GEICO rates were affordable. Just liability coverage since it’s getting old.

  9. Ulrike Morales

    I’m looking for cheaper coverage. I’m in the suburbs of Cedar Rapids, IA. Got car insurance rates from Amica, Safeco, and some smaller one I can’t remember the name of for my Toyota and I’m now saving $22 a month. Even increased my liability limits. :)

  10. Bunny Nielsen

    I’m just west of Charlotte, NC. Received rates from Auto-Owners, Sentry, and some smaller one I can’t remember the name of for my Celica and saved about $90 a year. Just waiting to see how claims go. I don’t put full coverage on it.

  11. Louanne Montgomery

    I live in a small town just outside of Madison, Wisconsin. Don’t remember every company but I ended up saving about $20 each month. Left Amica to switch. Full coverage costs too much.

  12. Alane Carpenter

    Went with Progressive for my Celica and saved around $90 a year. It never hurts to quote around. It’s too old for full coverage.

  13. Devorah Roberson

    Does Allstate have good claim service?

  14. Lael Knowles

    I’m looking for cheaper coverage. From northwest of Oklahoma City, OK. Got quotes from USAA, Auto-Owners, Hartford, and Safeco for my 2004 Toyota Celica and saved $66 a year. Ask about discounts. Next renewal I’ll just do liability.

  15. Elizabet Bell

    Not sure if this is cheap. From Frederick, MD. I quoted with AIG Insurance, Mercury, and some smaller one I can’t remember the name of for my Toyota and I think I saved around $20 each month. I even had a DUI years ago. Not worth enough to pay for comprehensive and collision.