Cheap 2006 Toyota Sienna Insurance Cost

Locating the cheapest insurance for your Toyota Sienna could be difficult, but you can use the following methods and make it easy. There is a better way to compare insurance rates so you’re going to learn the quickest way to price shop coverage on a Toyota and find the best price possible from local insurance agents and online providers.

Find lower-cost auto insurance with these tips

Part of the auto insurance buying process is learning the rating factors that help calculate your premiums. If you have a feel for what impacts premium levels, this enables you to make decisions that can help you get lower rates.

  • Alarms and GPS tracking lowers rates – Owning a car that has an advanced theft prevention system can save you a little every year. Anti-theft features like GM’s OnStar, tamper alarm systems and vehicle immobilizers all aid in stopping auto theft.
  • Accidents drive up rates – Your driving record can have a huge impact on auto insurance premiums. Even a single citation can increase rates to the point where it’s not affordable. Careful drivers get better prices than people who have multiple driving citations. Drivers who get severe violations such as DUI or willful reckless driving may need to maintain a SR-22 to the state department of motor vehicles in order to drive a vehicle legally.
  • Higher prices for specific jobs – Careers such as military personnel, executives and miners are shown to have the highest average rates attributed to job stress and incredibly demanding work hours. On the flip side, jobs like professors, historians and performers get better rates on Sienna coverage.
  • Drivers with good credit save – Having a good credit history will be a significant factor in calculating your premium rate. So if your credit rating could use some work, you may save money insuring your 2006 Toyota Sienna if you clean up your credit. Consumers who have excellent credit scores tend to file fewer claims and have better driving records than drivers who have lower credit ratings.
  • Be proud to be claim-free – If you are the type of insured that files lots of claims you shouldn’t be surprised to get much higher rates or policy non-renewal. Companies generally give the best rates to policyholders who do not file claims often. Your insurance policy is intended to be relied upon for claims that you cannot pay yourself.

First Step: Get free car insurance quotes

Shopping for lower car insurance rates can be exhausting if you don’t understand the fastest way to get free quotes. You can waste a lot of time discussing policy coverages with agents in your area, or you could save time and use online quoting for quick rates.

Many of the larger companies participate in a marketplace that allows shoppers to only type in their quote data once, and every company then returns a price quote. This system prevents you from having to do quote forms for every car insurance company.

To compare pricing click to open in new window.

The only drawback to doing it this way is buyers cannot specifically choose which carriers to get quotes from. So if you want to select specific insurance companies for rate comparison, we put together a list of low cost car insurance companies in your area. Click to view list.

However you get your quotes, make sure you are using apples-to-apples coverage information for each comparison quote. If you are comparing different deductibles it will be very difficult to make a fair comparison for your Toyota Sienna.

Discounts can really help save money

Car insurance companies don’t list all possible discounts very well, so we took the time to find both well-publicized and the harder-to-find car insurance savings.

  • Multi-Vehicle Discounts – Insuring all your vehicles on one policy can reduce rates for all insured vehicles.
  • Senior Citizen Discount – Drivers that qualify as senior citizens may receive a slight reduction on a insurance coverage quote on Sienna coverage.
  • Accident-Free Discounts – Good drivers with no accidents pay less as opposed to accident-prone drivers.
  • Driver Safety – Passing a course in driver safety could save 5% or more depending on where you live.
  • Safety Restraint Discount – Using a seat belt and requiring all passengers to fasten their seat belts could save 15% on the premium charged for medical payments and/or PIP.
  • Discount for New Cars – Putting car insurance coverage on a new car is cheaper since newer models have better safety ratings.

As a sidenote, most of the big mark downs will not be given the the whole policy. Most only apply to the price of certain insurance coverages like physical damage coverage or medical payments. So even though it sounds like having all the discounts means you get insurance for free, nobody gets a free ride.

Popular car insurance companies and a selection of discounts include:

  • State Farm may have discounts that include good driver, multiple policy, accident-free, driver’s education, anti-theft, and defensive driving training.
  • GEICO policyholders can earn discounts including daytime running lights, five-year accident-free, defensive driver, membership and employees, federal employee, emergency military deployment, and multi-vehicle.
  • Progressive offers premium reductions for multi-policy, homeowner, continuous coverage, online quote discount, online signing, good student, and multi-vehicle.
  • 21st Century has savings for automatic seat belts, student driver, theft prevention, teen driver, and early bird.
  • American Family includes discounts for defensive driver, good driver, multi-vehicle, good student, accident-free, and mySafetyValet.
  • The Hartford discounts include good student, bundle, driver training, defensive driver, anti-theft, air bag, and vehicle fuel type.
  • AAA may offer discounts for AAA membership discount, multi-car, anti-theft, education and occupation, and multi-policy.

Before purchasing a policy, check with all the companies which credits you are entitled to. Depending on the company, some discounts may not apply in your area. If you would like to see a list of providers offering car insurance discounts, follow this link.

Will just any policy work for me?

When it comes to choosing adequate coverage, there really is no best way to insure your cars. Everyone’s situation is unique.

For instance, these questions can aid in determining whether you will benefit from professional help.

  • How high should my uninsured/underinsured coverage be in my state?
  • How do I insure my teen driver?
  • Which companies will insure high-risk drivers?
  • What is an SR-22 filing?
  • Is my vehicle covered by my employer’s policy when using it for work?
  • Am I covered when renting a car or should I buy coverage from the car rental agency?
  • Do I need motorclub coverage?

If it’s difficult to answer those questions but a few of them apply, you might consider talking to a licensed insurance agent. To find an agent in your area, take a second and complete this form. It only takes a few minutes and may give you better protection.

Specific coverages for a Toyota Sienna

Learning about specific coverages of your policy can be of help when determining which coverages you need and proper limits and deductibles. Insurance terms can be confusing and coverage can change by endorsement.

Collision coverage protection

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

Collision insurance covers things like crashing into a building, hitting a mailbox, scraping a guard rail and backing into a parked car. Collision is rather expensive coverage, so analyze the benefit of dropping coverage from vehicles that are 8 years or older. It’s also possible to raise the deductible to save money on collision insurance.

Uninsured/Underinsured Motorist (UM/UIM)

Uninsured or Underinsured Motorist coverage gives you protection from other motorists when they either are underinsured or have no liability coverage at all. It can pay for injuries sustained by your vehicle’s occupants and also any damage incurred to your Toyota Sienna.

Due to the fact that many drivers only carry the minimum required liability limits, their liability coverage can quickly be exhausted. That’s why carrying high Uninsured/Underinsured Motorist coverage is important protection for you and your family.

Med pay and Personal Injury Protection (PIP)

Med pay and PIP coverage reimburse you for short-term medical expenses like funeral costs, dental work, X-ray expenses, surgery and EMT expenses. They are often used to fill the gap from your health insurance policy or if you are not covered by health insurance. They cover all vehicle occupants in addition to if you are hit as a while walking down the street. Personal injury protection coverage is only offered in select states but it provides additional coverages not offered by medical payments coverage

Comprehensive insurance

This will pay to fix damage from a wide range of events other than collision. You first must pay your deductible and then insurance will cover the rest of the damage.

Comprehensive insurance covers claims like damage from a tornado or hurricane, a tree branch falling on your vehicle and theft. The maximum payout your insurance company will pay is the cash value of the vehicle, so if the vehicle’s value is low consider dropping full coverage.

Coverage for liability

Liability insurance can cover damages or injuries you inflict on other’s property or people. This coverage protects you from claims by other people. It does not cover damage to your own property or vehicle.

It consists of three limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You might see policy limits of 25/50/25 that translate to a limit of $25,000 per injured person, a limit of $50,000 in injury protection per accident, and $25,000 of coverage for damaged propery.

Liability coverage pays for things such as emergency aid, medical expenses, bail bonds and structural damage. How much liability should you purchase? That is your choice, but buy as large an amount as possible.

Save your hard earned cash

In this article, we presented a lot of techniques to get a better price on 2006 Toyota Sienna insurance. The key concept to understand is the more rate quotes you have, the higher the chance of saving money. You may even discover the best rates are with some of the smallest insurance companies.

When you buy insurance coverage online, it’s a bad idea to buy less coverage just to save a little money. There are a lot of situations where someone sacrificed physical damage coverage and learned later that they should have had better coverage. The aim is to get the best coverage possible for the lowest cost, but do not sacrifice coverage to save money.

Consumers leave their current company for a variety of reasons including denial of a claim, unfair underwriting practices, lack of trust in their agent and even questionable increases in premium. Regardless of your reason, finding a great new company can be easier than you think.

Even more information is located at these sites:

Comments About 2006 Toyota Sienna Insurance

  1. Kathleen Copeland

    Do I have to have car insurance in Michigan?

  2. Venus Gallegos

    Checking in from Gulfport, MS. Compared quite a few companies. Saved about $70 a month. Allstate was the cheapest option for me. Switched homeowners coverage too.

  3. Ernie Leblanc

    Went with Erie for my Sienna and am saving around $390 a year. Even increased my liability limits.

  4. Marisela Nielsen

    Live in the western part of Norfolk, Virginia. Not sure of all the companies but I ended up saving about $50 each month. Left MetLife to switch. It’s still not cheap enough.

  5. Clarence Daniel

    I live just outside Frederick, Maryland. I quoted with Amica, Safeco, and Western Auto Insurance for my Toyota and am saving around $90 a year. Good multi-policy discounts. Did it all online.

  6. Denita Williamson

    Does State Farm prorate premiums at cancellation?

  7. Arletha Bates

    Nice info. Live in Greensboro, NC. I quoted with Progressive, AAA, Eastwood, and GMAC for my Sienna and saved $205 a year. I’m a pretty good driver though. Not sure if rates are cheaper online or not.

  8. Blythe Lee

    Well-written and thought out article. I live in Virginia Beach, VA. I got free prices from 21st Century, GMAC, and Eastwood for my Sienna and saved just over $100 a year. Insured with Amica before. A clean driving record helps.

  9. Mignon Rocha

    Can you buy custom paint coverage for a 2006 Toyota Sienna?

  10. Stewart Levine

    Hope my rates come down. Live in the eastern part of Dallas, Texas. Checked online prices for a 2006 Toyota Sienna. Ended up at about $450 savings annually. Went with State Farm. God forbid I actually have a claim.

  11. Leonel Guerrero

    Great site. Checking in from Bellevue, NE. Got car insurance prices from Sentry, Erie, Allstate, and AAA for my Toyota and I’m now saving $20 a month. Thankfully I have a good driving record.

  12. Dulcie Dawson

    I’m looking for cheaper coverage. Lifelong resident of Tulsa, OK. Got quotes with Auto-Owners, Sentry, and USAA for my Sienna and I’m now saving $62 a month. I have kids on my policy, too. I got prices on the web.

  13. Lacresha Rivera

    I got quite a few price quotes for a 2006 Toyota Sienna in Charlotte, NC. Ended up at about $440 every six months with Auto-Owners. Thankfully I have a good driving record. Bought it from an online quote.

  14. Kevin Church

    If you have a good history and live in the vicinity of Biloxi, Mississippi, check out State Farm. I saved quite a bit. Even increased coverage a bit. :P

  15. Cathryn Moses

    2006 Toyota Sienna + Allstate = GOOD RATES!

  16. Nelida Pickett

    Is State Farm cheaper than GEICO in Wilmington, DE?