How Much Does 2005 Toyota Sienna Insurance Cost?

Searching for cheaper car insurance rates for your Toyota Sienna? There isn’t a single person who likes having to buy car insurance, especially when they know the prices are way too high.

Insurance companies such as GEICO and Progressive promote their brand names with TV and radio ads and it is difficult to not get sucked in by the cute commercials and do the work needed to find the best deal.

You should make it a habit to compare premium rates on a regular basis because prices go up and down regularly. Just because you found the lowest price for Sienna coverage two years ago you can probably find a lower rate today. Forget anything you know (or think you know) about car insurance because you’re about to learn one of the easiest ways to properly buy coverages and cut your premium.

If you currently have car insurance, you stand a good chance to be able to save some money using these techniques. Buying car insurance is not that difficult. But consumers must learn how big insurance companies sell insurance online.

What determines Toyota Sienna insurance costs?

When buying car insurance it’s important to understand the different types of things that aid in calculating the rates you pay for car insurance. If you understand what determines base rates, this allows you to make educated decisions that can help you get big savings.

Listed below are a partial list of the pieces utilized by car insurance companies to help set your prices.

  • Pay more out-of-pocket – Comp and collision deductibles are how much you are required to spend before a claim is paid by your company. Physical damage protection, otherwise known as comp (or other than collision) and collision, is used to repair damage to your car. Examples of some claims that would be covered would be colliding with a stationary object, damage caused by hail, or theft of your vehicle. The more of the claim the insured is willing to pay, the lower your rates will be for Sienna coverage.
  • How do annual miles impact rates? – Driving a lot of miles in a year the more you’ll pay to insure your vehicle. Many insurance companies apply a rate determined by how the vehicle is used. Vehicles not used for work or commuting get more affordable rates than vehicles that have high annual mileage. Having the wrong rating on your Sienna may be costing you higher rates. Verify your car insurance coverage is rated on the correct driver usage, because it can save money.
  • Your credit rating is important – Your credit score is a large factor in determining premium rates. People with good credit tend to be better drivers and file fewer claims than those with bad credit. If your credit can be improved, you may save money insuring your 2005 Toyota Sienna if you clean up your credit.
  • Safer the car lower the rate – Vehicles that have high safety ratings tend to be cheaper to insure. The safest vehicles reduce occupant injuries and lower rates of occupant injuries translates into savings for insurance companies which can mean better rates for you. If your Toyota Sienna is rated at a minimum four stars on Safercar.gov or an “acceptable” rating on iihs.org it is probably cheaper to insure.
  • File a policy claims and pay more – Companies give lower rates to drivers who do not rely on their insurance for small claims. If you file a lot of claims you can definitely plan on higher rates. Your car insurance is intended for claims that you cannot pay yourself.
  • Extra coverages can cost a lot – There are a lot of additional extra coverages you can purchase on your 2005 Sienna policy. Insurance for things like roadside assistance, better glass coverage, and motor club memberships may be wasting your money. They may sound like good ideas when you first buy your policy, but your needs may have changed so think about removing them and cutting costs.
  • Driver age impacts rates – More mature drivers are shown to be more cautious, tend to file fewer claims and receive fewer citations.Young drivers have been known to be easily distracted when behind the wheel therefore car insurance rates are much higher.

Don’t miss these money-saving discounts

Not too many consumers would say car insurance is affordable, but you may qualify for discounts to cut the cost considerably. Some of these disounts will be visible at the time of quoting, but some may not be applied and must be manually applied before being credited.

  • Anti-lock Brakes – Cars, trucks, and SUVs with ABS braking systems or traction control can reduce accidents and the ABS can save up to 10%.
  • Discount for Home Ownership – Owning a house can get you a discount because of the fact that having a home requires a higher level of personal finance.
  • Save with a New Car – Adding a new car to your policy is cheaper because new model year vehicles keep occupants safer.
  • Passive Restraint Discount – Cars that have air bags can get savings up to 30%.
  • Low Mileage – Low annual miles may allow you to get cheaper rates.
  • Good Grades Discount – A discount for being a good student can get you a discount of up to 25%. This discount can apply until age 25.

You can save money using discounts, but most discounts do not apply the the whole policy. Most only apply to the cost of specific coverages such as comprehensive or collision. So even though you would think all the discounts add up to a free policy, you won’t be that lucky. Any qualifying discounts will definitely lower your overall premium however.

Some of the insurance companies who may offer most of the discounts above possibly include:

When quoting, ask every insurance company which discounts you qualify for. Some of the discounts discussed earlier might not be offered on policies in your area.

Do I need special coverages?

When it comes to buying adequate coverage for your personal vehicles, there is no best way to insure your cars. Everyone’s situation is a little different and your policy should reflect that. For example, these questions can aid in determining whether or not you may require specific advice.

  • Does having multiple vehicles earn me a discount?
  • Am I covered if I hit a deer?
  • Do I get a pro-rated refund if I cancel my policy early?
  • Can I get a multi-policy discount for packaging my home and auto coverage?
  • Should I rate my 2005 Toyota Sienna as pleasure use or commute?
  • How much liability coverage do I need in my state?
  • Do I have coverage for damage caused while driving under the influence?
  • How can I get my company to pay me more for my totalled car?
  • Does medical payments coverage apply to all occupants?

If you can’t answer these questions but one or more may apply to you, you might consider talking to an agent. To find an agent in your area, simply complete this short form or click here for a list of insurance coverage companies in your area.

Auto insurance policy specifics

Knowing the specifics of a auto insurance policy can help you determine the right coverages for your vehicles. Policy terminology can be ambiguous and reading a policy is terribly boring. These are the normal coverages found on most auto insurance policies.

Comprehensive auto insurance

This pays for damage from a wide range of events other than collision. You first must pay your deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage pays for things such as hail damage, fire damage, hitting a deer and damage from getting keyed. The maximum amount you can receive from a comprehensive claim is the cash value of the vehicle, so if your deductible is as high as the vehicle’s value it’s not worth carrying full coverage.

Coverage for uninsured or underinsured drivers

This gives you protection when other motorists do not carry enough liability coverage. Covered claims include medical payments for you and your occupants and damage to your Toyota Sienna.

Since a lot of drivers only carry the minimum required liability limits, it doesn’t take a major accident to exceed their coverage limits. This is the reason having UM/UIM coverage is a good idea.

Coverage for medical expenses

Coverage for medical payments and/or PIP pay for expenses such as prosthetic devices, rehabilitation expenses, ambulance fees and pain medications. They can be used in conjunction with a health insurance plan or if you lack health insurance entirely. It covers not only the driver but also the vehicle occupants and also covers getting struck while a pedestrian. Personal Injury Protection is only offered in select states but can be used in place of medical payments coverage

Auto liability insurance

This coverage provides protection from damages or injuries you inflict on other people or property that is your fault. It protects YOU against claims from other people, and does not provide coverage for damage to your own property or vehicle.

It consists of three limits, bodily injury per person, bodily injury per accident and property damage. You commonly see liability limits of 25/50/25 which stand for $25,000 in coverage for each person’s injuries, $50,000 for the entire accident, and $25,000 of coverage for damaged propery.

Liability insurance covers things like medical expenses, pain and suffering, loss of income, repair costs for stationary objects and attorney fees. How much liability coverage do you need? That is a personal decision, but consider buying as large an amount as possible.

Collision coverage

This covers damage to your Sienna resulting from colliding with a stationary object or other vehicle. You have to pay a deductible and then insurance will cover the remainder.

Collision can pay for things such as colliding with a tree, rolling your car and crashing into a building. Collision coverage makes up a good portion of your premium, so analyze the benefit of dropping coverage from older vehicles. It’s also possible to raise the deductible to save money on collision insurance.

The bottom line

Cheaper car insurance is possible from both online companies as well as from independent agents, so you need to shop car insurance with both to have the best chance of lowering rates. Some insurance providers do not provide online quoting and most of the time these small, regional companies only sell coverage through independent insurance agencies.

While you’re price shopping online, it’s not a good idea to skimp on critical coverages to save a buck or two. There are many occasions where an insured dropped liability coverage limits to discover at claim time that saving that couple of dollars actually costed them tens of thousands. Your strategy should be to get the best coverage possible for the lowest cost and still be able to protect your assets.

We just presented some good ideas how to shop for 2005 Toyota Sienna insurance online. It’s most important to understand that the more rate quotes you have, the better chance you’ll have of finding the cheapest car insurance. Consumers could even find that the best rates are with a lesser-known regional company. Smaller companies may cover specific market segments cheaper compared to the large companies like State Farm, GEICO and Nationwide.

To read more, feel free to browse these articles:

Comments About 2005 Toyota Sienna Insurance

  1. Elvie Strickland

    From northwest of Cranston, RI. I got free quotes with AAA, MetLife, and USAA for my 2005 Toyota Sienna and saved just over $490 a year.

  2. Brittaney Barnett

    Not sure if this is cheap. Lifelong resident of Boston, MA. Don’t remember every company but I ended up saving about $20 each month. Left Nationwide to switch. Even increased coverage a bit. :P

  3. Natacha Hayes

    Does Allstate insure at replacement cost?

  4. Marya Calhoun

    Enjoyed the article. Located in Little Rock, Arkansas. Quoted with Amica, Nationwide, and Travelers for my Toyota and I think I saved about $50 each month. Insured with State Farm before.

  5. Rasheeda Bean

    Hope my rates come down. From Burlington, VT. Quoted rates from Sentry, Erie, Progressive, and Auto-Owners for my Sienna and saved $396 a year.

  6. Else Hatfield

    Found cheapest coverage with GEICO for my 2005 Toyota Sienna and cut my rates about $550 a year. Was with Mercury. :)

  7. Andres Workman

    It all costs too much. Live in the southern part of Idaho Falls, ID. Quoted prices online for a 2005 Toyota Sienna. Ended up at about $190 savings annually. Went with Progressive.

  8. Vernita Abbott

    Thanks for putting this site together. Checking in from Baton Rouge, Louisiana. Received prices from State Farm, Erie, and Hartford for my Sienna and I’m now saving $24 a month. Insured with American Family before.

  9. Elwood Dennis

    Progressive was cheapest for my 2005 Toyota Sienna in Providence, Rhode Island.

  10. Indira Ryan

    If you don’t have tickets and live around Chesapeake, VA, check out 21st Century. I saved quite a bit. Was with Progressive. A clean driving record helps. It’s easy to compare rates online now.

  11. Stormy Henson

    If you have a good history and are close to Minneapolis, Minnesota, check out State Farm. You might get cheaper rates. Was with Amica. I have a couple other vehicles on the policy. They offer free online rate quotes.