Compare 2007 Toyota Sienna Insurance Rates

Having to pay for pricey insurance can empty your savings and put the squeeze on your family’s finances. Performing a rate comparison is free, only takes a few minutes, and is a good way to lower your monthly bill.

Insurance companies such as GEICO, Progressive and Allstate all claim big savings with advertising and it can be hard to ignore the flying pigs and cute green geckos and do the work needed to find the best deal.

Smart consumers take time to compare rates quite often due to the fact that insurance prices change regularly. Even if you think you had the best deal on Sienna coverage a couple years back there is a good chance you can find better rates now. Ignore everything you know about insurance because it’s time to teach you how to use the internet to reduce your cost while increasing coverage.

If you are insured now or need a new policy, you can use this information to reduce the price you pay while maximizing coverage. Finding affordable coverage is easy if you know what you’re doing. Drivers just need to know the best way to get comparison rates online.

You may qualify for discounts

Insurance is easily one of your largest bills, but you may be missing some discounts that you may not even know about. Certain discounts will be applied at the time you complete a quote, but less common discounts must be requested specifically before you get the savings.

  • Professional Memberships – Belonging to a civic or occupational organization may earn a discount on your bill.
  • Discount for Passive Restraints – Factory air bags or motorized seat belts can qualify for discounts up to 30%.
  • More Vehicles More Savings – Buying a policy with multiple cars or trucks on one policy qualifies for this discount.
  • First Accident Forgiveness – This one is not really a discount per se, but certain companies will turn a blind eye to one accident without the usual rate increase so long as you haven’t had any claims prior to the accident.
  • Service Members Pay Less – Being on active duty in the military could be rewarded with lower premium rates.
  • Own a Home – Just owning your own home may earn you a small savings due to the fact that maintaining a home is proof that your finances are in order.
  • Claim Free – Drivers with accident-free driving histories are rewarded with significantly better rates on insurance coverage quote as compared to insureds who have frequent claims or accidents.
  • Telematics Devices – Drivers that enable their company to scrutinize their driving habits by using a telematics device such as Progressive’s Snapshot and State Farm’s In-Drive could save a few bucks as long as they are good drivers.

Keep in mind that many deductions do not apply the the whole policy. Most only apply to individual premiums such as physical damage coverage or medical payments. Despite the fact that it seems like adding up those discounts means a free policy, nobody gets a free ride.

Some of the insurance companies who may offer most of these discounts may include but are not limited to:

It’s a good idea to ask every prospective company which discounts you may be entitled to. Some of the earlier mentioned discounts may not be available in your area. To choose insurance companies with the best insurance discounts, click this link.

How insurers calculate Toyota Sienna insurance premiums

Part of the car insurance buying process is learning some of the things that are used to determine your car insurance rates. If you understand what determines base rates, this helps enable you to make changes that will entitle you to lower car insurance prices.

Shown below are a few of the things that factor into your premiums.

  • Extra policy coverages are wasting money – Insurance policies have a lot of additional extra coverages that sound like a good idea at the time on your car insurance policy. Coverages like replacement cost coverage, accidental death, and extra life insurance coverage are probably not needed. These coverages may sound good at first, but if you have no use for them think about removing them and cutting costs.
  • Never let your car insurance policy expire – Driving with no insurance is illegal and you will pay a penalty because you let your coverage have a gap. And not only will insurance be more expensive, the inability to provide proof of insurance could earn you a steep fine or even jail time. You may need to provide proof of insurance in the form of an SR-22 filing with your state DMV.
  • Too many insurance claims will drive premiums up – If you tend to file frequent claims, you can pretty much guarantee higher premiums or even policy non-renewal. Auto insurance companies award better rates to policyholders who file claims infrequently. Your insurance policy is designed for the bigger claims that can’t be paid out-of-pocket.
  • Reduce premiums by driving cars with good safety ratings – Cars with high safety ratings tend to have lower insurance rates. These vehicles reduce occupant injuries and any reduction in injury severity translates into savings for insurance companies which can mean better rates for you. If your Toyota has ratings of a minimum four stars on or an “acceptable” rating on it may cost less to insure.
  • Alarm systems save money – Owning a car with a theft deterrent system can save you some money. Anti-theft devices like tamper alarm systems, vehicle immobilizer technology and General Motors OnStar all help stop vehicle theft.

There’s no such thing as the perfect car insurance policy

When choosing the best car insurance coverage, there really is not a one size fits all plan. Each situation is unique so your insurance should reflect that For instance, these questions can aid in determining if you will benefit from professional help.

  • Can I drive in Mexico and have coverage?
  • When should my teen driver be added to my policy?
  • Am I better off with higher deductibles on my 2007 Toyota Sienna?
  • What can I do if my company won’t pay a claim?
  • Is my cargo covered for damage or theft?
  • Am I covered if I hit my neighbor’s mailbox?
  • What is the ISO rating for a 2007 Toyota Sienna?

If you don’t know the answers to these questions but you think they might apply to your situation, you may need to chat with an agent. To find an agent in your area, complete this form or click here for a list of car insurance companies in your area. It’s fast, doesn’t cost anything and can help protect your family.

Brand name doesn’t guarantee savings

Drivers get pounded daily by advertisements that claim the lowest prices from the likes of 21st Century, Allstate and State Farm. They all seem to make an identical promise about saving some big amount if you change your car insurance coverage to their company.

How does every company sell you cheaper insurance coverage? Here is the trick they use.

All the different companies require specific criteria for the type of customer that is profitable for them. A good example of a preferred risk could be over age 30, has no tickets, and has a short commute. Any person who fits that profile will probably get the lowest premium rates and have a good chance to save a lot of money.

Consumers who don’t meet these standards will be quoted more expensive rates which results in the customer buying from a different company. The wording the ads use say “people that switch” not “all people who quote” can get the lowest rates when switching. This is how insurance companies can advertise the savings. This really illustrates why you should get insurance coverage quotes from several different companies. It’s just too difficult to predict which insurance companies will have the lowest premium rates for your situation.

Specifics of your insurance policy

Having a good grasp of your policy can help you determine the best coverages and the correct deductibles and limits. Policy terminology can be ambiguous and even agents have difficulty translating policy wording. Below you’ll find typical coverages offered by insurance companies.

Medical payments coverage and PIP

Personal Injury Protection (PIP) and medical payments coverage pay for immediate expenses for things like nursing services, funeral costs and doctor visits. The coverages can be used in conjunction with a health insurance plan or if there is no health insurance coverage. They cover not only the driver but also the vehicle occupants in addition to any family member struck as a pedestrian. Personal Injury Protection is not an option in every state and gives slightly broader coverage than med pay

Comprehensive coverage

This covers damage that is not covered by collision coverage. You first must pay your deductible and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive can pay for things such as falling objects, hail damage and fire damage. The maximum payout you’ll receive from a claim 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 for damage to your Sienna resulting from colliding with a stationary object or other vehicle. You will need to pay your deductible then the remaining damage will be paid by your insurance company.

Collision insurance covers things like damaging your car on a curb, backing into a parked car and rolling your car. Collision coverage makes up a good portion of your premium, so consider removing coverage from vehicles that are 8 years or older. Drivers also have the option to choose a higher deductible to save money on collision insurance.

Uninsured/Underinsured Motorist coverage

This coverage protects you and your vehicle’s occupants when other motorists do not carry enough liability coverage. Covered losses include hospital bills for your injuries as well as your vehicle’s damage.

Since a lot of drivers carry very low liability coverage limits, it doesn’t take a major accident to exceed their coverage limits. This is the reason having UM/UIM coverage is important protection for you and your family.

Liability auto insurance

Liability coverage can cover damages or injuries you inflict on a person or their property. This insurance protects YOU against other people’s claims. Liability doesn’t cover your injuries or vehicle damage.

Split limit liability has three limits of coverage: per person bodily injury, per accident bodily injury, and a property damage limit. As an example, you may have limits of 50/100/50 which means a limit of $50,000 per injured person, $100,000 for the entire accident, and $50,000 of coverage for damaged propery.

Liability coverage pays for claims like structural damage, emergency aid, repair costs for stationary objects and medical services. How much liability should you purchase? That is your choice, but consider buying as much as you can afford.

What is YOUR best insurance company?

Some auto insurance companies may not have online quoting and many times these smaller companies only sell through independent insurance agencies. Lower-priced 2007 Toyota Sienna insurance is available online in addition to local insurance agencies, so you need to compare both to have the best chance of lowering rates.

We just showed you many tips how you can shop for 2007 Toyota Sienna insurance online. It’s most important to understand that the more price quotes you have, the higher the chance of saving money. Drivers may discover the most savings is with an unexpected company. Some small companies may often insure only within specific states and give getter rates than the large multi-state companies such as Progressive and GEICO.

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Comments About 2007 Toyota Sienna Insurance

  1. Cristopher Garner

    Lifelong resident of Reno, NV. Don’t remember every company but I ended up saving about $40 each month. Was with Encompass. I get a discount for insuring multiple vehicles.

  2. Williams Davidson

    Great info, thanks for posting. I live on the east side of Raleigh, NC. Got car insurance quotes from GEICO, Hartford, and Farmers for my Toyota and saved just over $430 a year. Insured with 21st Century before. They were helpful in switching over.

  3. Steve Maynard

    Does Rhode Island require liability coverage?

  4. Fae Haynes

    Cheaper not always better. Found cheapest coverage with 21st Century for my 2007 Toyota Sienna and am saving around $560 a year. Left GMAC to switch. They were helpful in switching over.

  5. Madeleine Marquez

    Thought I’d throw in my experience. I’m in Frederick, MD. Got quotes with 21st Century, Encompass, and GMAC for my 2007 Toyota Sienna and I’m now saving $15 a month. I get multi-vehicle and multi-policy discounts. :P

  6. Taylor Pate

    I got decent rates for a 2007 Toyota Sienna in Cedar Rapids, Iowa. Ended up at darn near $490 every six months with Amica. :)

  7. Cherilyn Bowen

    All companies are crooks. I’m in Albuquerque, New Mexico. Quoted a bunch of companies. Saved darn near $50 a month. 21st Century was the cheapest for me. I recommend comparing lots of rates.

  8. Dana Butler

    Cheaper car insurance is a myth. Checking in from Jersey City, NJ. Quoted with GEICO, Encompass, and The General for my 2007 Toyota Sienna and I’m now saving $17 a month. Left Encompass to switch. I have a teen driver too.