2005 Toyota Celica Insurance Quotes – 9 Tips for Cheaper Rates

Are you at wits end from scraping the payment together to pay high auto insurance rates every month? Your situation is no different than many other consumers. Having so many insurance companies to choose from, it is very difficult to pick the most cost effective auto insurance company.

Smart consumers take time to compare prices at least once a year since insurance rates are constantly changing. Even if you got the lowest rate on Celica coverage six months ago you will most likely find a better price today. There are a lot of ways to save on auto insurance on the internet, but by reading this article, you’re going to learn some great ideas on how to lower your auto insurance bill.

Nine discounts for cheap insurance quotes

Auto insurance companies don’t always publicize all their discounts very clearly, so we researched some of the best known as well as some of the hidden credits available to bring down your rates.

• Discount for Home Ownership – Owning a house may earn you a small savings because of the fact that having a home is proof that your finances are in order.
• Good Student Discount – This discount can save 20 to 25%. Earning this discount can benefit you well after school through age 25.
• Paperless Signup – Many larger companies will give you a small discount for buying your policy online.
• Safety Course Discount – Successfully completing a safe driver class could cut 5% off your bill and easily pay for the cost of the class.
• Waiver for an Accident – but companies like Allstate and State Farm will let one accident slide before raising your premiums if you are claim-free for a particular time prior to the accident.
• Theft Deterent Discount – Cars equipped with anti-theft or alarm systems are stolen with less frequency and earn discounts up to 10% off your auto insurance quote.
• Driving Data Discount – Drivers who agree to allow data collection to study where and when they drive by using a telematics device such as Allstate’s Drivewise and State Farm’s In-Drive system may see discounts if they exhibit good driving behavior.
• No Claims – Claim-free drivers have much lower rates compared to frequent claim filers.
• Discount for Low Mileage – Maintaining low annual mileage may enable drivers to earn substantially lower insurancerates.

Don’t be shocked that most of the big mark downs will not be given to your bottom line cost. Most only apply to specific coverage prices like comprehensive or collision. So even though they make it sound like all the discounts add up to a free policy, you aren’t that lucky.

Some companies that may have most of these discounts include:

• 21st Century
• Progressive
• State Farm
• Nationwide
• Esurance
• The Hartford

If you are trying to find cheaper auto insurance quotes, ask all the companies which discounts they offer. Savings may not be offered in every state. If you would like to see a list of companies with discount rates, click here.

You may need specialized car insurance coverage

When it comes to buying adequate coverage for your personal vehicles, there isn’t really a “perfect” insurance plan. Everyone’s situation is unique so this has to be addressed. For example, these questions could help you determine if you will benefit from professional help.

• When does my teenage driver need to be added to my policy?
• Why does it cost so much to insure a teen driver?
• Am I covered if hit by an uninsured driver?
• Is my camper covered by my car insurance policy?
• Should I have combined single limit or split liability limits?
• Is extra glass coverage worth it?
• What is an SR-22 filing?

If you can’t answer these questions but a few of them apply then you might want to talk to an insurance agent. To find an agent in your area, take a second and complete this form or go to this page to view a list of companies. It only takes a few minutes and may give you better protection.

Buyer beware of insurance coverage advertising tricks

Consumers constantly see and hear ads for cheaper insurance coverage by Allstate and Progressive. All the companies advertise the message about how much you will save if you get a free auto insurance quote and switch your policy.

Is it even possible that every company can offer drivers better rates? It’s all in how they say it.

All the different companies provide the lowest rates for the type of driver that will most likely be profitable. For instance, this type of risk profile may be a married male, has no driving citations, and the vehicle is rated for pleasure use. A customer getting a price quote that matches those criteria may get the lowest prices and is almost guaranteed to pay quite a bit less when switching companies.

Insureds who don’t meet these stringent criteria will have to pay higher rates which leads to business not being written. If you pay close attention to the ads, they say “customers that switch” but not “all drivers who get quotes” will save that much if they switch. This is how insurance companies can make claims that they all have the best premium rates.

Because every company is different, drivers should compare many company’s premium rates. It’s impossible to know which company will provide you with the cheapest car insurance rates.

Car insurance 101

Learning about specific coverages of your policy can help you determine the right coverages for your vehicles. Policy terminology can be impossible to understand and reading a policy is terribly boring. Below you’ll find the normal coverages found on the average auto insurance policy.

Liability auto insurance

Liability insurance can cover damage or injury you incur to people or other property that is your fault. It protects YOU against other people’s claims. It does not cover your own vehicle damage or injuries.

Split limit liability has three limits of coverage: bodily injury per person, bodily injury per accident and property damage. You commonly see policy limits of 50/100/50 which means a limit of $50,000 per injured person, $100,000 for the entire accident, and a total limit of $50,000 for damage to vehicles and property. Some companies may use a combined limit that pays claims from the same limit with no separate limits for injury or property damage.

Liability coverage pays for things such as repair costs for stationary objects, repair bills for other people’s vehicles, structural damage and medical expenses. How much liability should you purchase? That is a decision to put some thought into, but you should buy higher limits if possible.

Medical expense insurance

Medical payments and Personal Injury Protection insurance provide coverage for bills for EMT expenses, rehabilitation expenses, doctor visits, nursing services and ambulance fees. They are used to cover expenses not covered by your health insurance policy or if you are not covered by health insurance. Medical payments and PIP cover all vehicle occupants and also covers if you are hit as a while walking down the street. Personal injury protection coverage is only offered in select states but can be used in place of medical payments coverage

Comprehensive (Other than Collision)

Comprehensive insurance coverage covers damage from a wide range of events other than collision. A deductible will apply then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage pays for claims such as damage from a tornado or hurricane, damage from flooding and a broken windshield. The maximum payout a auto insurance company will pay at claim time is the cash value of the vehicle, so if the vehicle’s value is low it’s probably time to drop comprehensive insurance.

Collision coverage protection

Collision coverage pays to fix your vehicle from damage from colliding with an object or car. You first must pay a deductible and then insurance will cover the remainder.

Collision can pay for claims such as hitting a mailbox, sideswiping another vehicle, backing into a parked car, rolling your car and colliding with another moving vehicle. Paying for collision coverage can be pricey, so you might think about dropping it from vehicles that are older. It’s also possible to raise the deductible in order to get cheaper collision rates.

Protection from uninsured/underinsured drivers

This protects you and your vehicle when the “other guys” either are underinsured or have no liability coverage at all. Covered losses include hospital bills for your injuries and damage to your Toyota Celica.

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. Normally these coverages are set the same as your liablity limits.

Saving money is sweet as honey

We’ve covered many ideas to reduce 2005 Toyota Celica insurance car insurance rates online. The key thing to remember is the more providers you compare, the better likelihood of getting cheap auto insurance. You may even find the best price on insurance is with a small mutual company. Regional companies may have significantly lower premium rates on certain market segments as compared to the big name companies such as State Farm or Progressive.

When searching for the cheapest auto insurance quotes, it’s very important that you do not buy poor coverage just to save money. In many instances, an insured dropped uninsured motorist or liability limits and found out when filing a claim that it was a big error on their part. Your strategy should be to purchase plenty of coverage at the lowest possible cost while not skimping on critical coverages.

Additional insurance information can be found at these links:

• Choosing a Car for Your Teen (State Farm)
• Collision Insurance Coverage (Nationwide)
• Uninsured Motorists: Threats on the Road (Insurance Information Insitute)
• Get the Right Protection (InsureUonline.org)
• How to Avoid Common Accidents (State Farm)
• Speed and Speed Limit FAQ (iihs.org)