2010 Toyota Yaris Car Insurance Quotes – 6 Tips for Best Rates

Searching for better insurance rates for your Toyota Yaris? Having to pay for pricey insurance can dwindle your savings and make it impossible to make ends meet. Performing a rate comparison is free and is an excellent way to tighten up your finances.

You have multiple insurers to buy insurance from, and though it is a good thing to be able to choose, too many choices makes it more difficult to find the best rates for your vehicles.

Consumers should take time to compare rates yearly because rates change quite often. If you had the best premium rates for Yaris coverage a year ago there may be better deals available now. Forget all the misinformation about insurance because I’m going to let you in on the secrets to one of the quickest ways to find better coverage at a better price.

Buy car insurance online

There are multiple methods you can shop for car insurance and some are less time-consuming than others. You can waste hours driving to insurance companies in your area, or you can stay home and use the web for quick rates.

Most car insurance companies are enrolled in a marketplace where prospective buyers submit one quote, and every company provides a quote determined by their information. This saves time by eliminating form submissions to every company.

To fill out one form to compare multiple rates now click here (opens in new window).

The one downside to pricing coverage this way is you are unable to specify the providers you will receive quotes from. So if you prefer to pick from a list of companies to request quotes from, we have a page of the cheapest car insurance companies in your area. Click here for list of insurance companies.

Take whichever approach you prefer, but make sure you are using the same quote information for every company. If you use different limits and deductibles on each one it will be impossible to determine the lowest rate for your Toyota Yaris.

Advertising and insurance

Drivers can’t get away from ads that claim the cheapest rates by Progressive, Allstate and GEICO. All the ads have a common claim that you’ll save big after switching your policy.

How is it plausible that every one can say the same thing? It’s all in how they say it.

All the different companies offer their best rates for the type of driver that is profitable for them. For example, a preferred risk might have to be over the age of 45, has few claims, and has a high credit rating. A customer getting a price quote that fits those parameters will probably get the lowest car insurance rates and as a result will probably save a lot of money.

Potential customers who cannot meet these criteria may be forced to pay higher premiums which translates to the prospect going elsewhere. Company advertisements say “drivers who switch” not “everyone that quotes” will save that much if they switch. That’s the way insurance companies can make those statements. Because of the profiling, drivers must compare many company’s rates. Because without a comparison, you cannot know the company that will have the lowest rate quotes.

Get affordable insurance coverage with discounts

Companies don’t necessarily list all possible discounts very well, so we took the time to find some of the more common and also the lesser-known credits available to lower your premiums when you buy insurance coverage online.

  • Air Bags and Passive Restraints – Vehicles with factory air bags may get savings of more than 20%.
  • Organization Discounts – Joining qualifying employment or professional organizations may earn a discount when shopping for insurance coverage.
  • Discount for Life Insurance – Not every insurance company offers life insurance, but if they do you may earn a discount if you purchase life insurance from them.
  • Telematics Devices – People who choose to allow their insurance coverage company to spy on driving patterns through the use of a telematics system such as State Farm’s In-Drive may see discounts if they show good driving skills.
  • Accident Forgiveness Coverage – Not a discount per se, but a handful of insurance companies will turn a blind eye to one accident without getting socked with a rate hike so long as you are claim-free for a specific time period.
  • Responsible Driver Discounts – Drivers who avoid accidents may receive a discount up to 45% for Yaris coverage than their less cautious counterparts.

Discounts reduce rates, but you should keep in mind that many deductions do not apply the the whole policy. Some only reduce the price of certain insurance coverages like medical payments or collision. So despite the fact that it appears having all the discounts means you get insurance for free, you aren’t that lucky. Any amount of discount will help lower your premiums.

Popular insurance coverage companies and some of their more popular discounts can be found below.

  • 21st Century offers premium reductions for early bird, defensive driver, anti-lock brakes, driver training, and automatic seat belts.
  • State Farm has savings for accident-free, multiple policy, Steer Clear safe driver discount, safe vehicle, student away at school, and driver’s education.
  • AAA includes discounts for AAA membership discount, good student, multi-policy, education and occupation, multi-car, and good driver.
  • Liberty Mutual offers discounts including new graduate, teen driver discount, new move discount, hybrid vehicle, new vehicle discount, and multi-policy.
  • Progressive may have discounts that include multi-vehicle, good student, online quote discount, homeowner, continuous coverage, multi-policy, and online signing.

When quoting, ask every company which discounts you may be entitled to. Depending on the company, some discounts might not apply in your area. For a list of companies that offer the discounts shown above, click here.

Tailor your car insurance coverage to you

When it comes to choosing adequate coverage, there really is no one size fits all plan. Everyone’s needs are different so your insurance should reflect that For instance, these questions might point out if your situation would benefit from professional advice.

  • When should my teen driver be added to my policy?
  • Do I have coverage for damage caused while driving under the influence?
  • Can I get a multi-policy discount?
  • Should I carry comprehensive and collision coverage?
  • Will I be non-renewed for getting a DUI or other conviction?
  • What if I total my 2010 Toyota Yaris and owe more than it’s worth?

If you’re not sure about those questions, you might consider talking to an insurance agent. To find lower rates from a local agent, 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.

Car insurance coverages and their meanings

Knowing the specifics of your car insurance policy can be of help when determining appropriate coverage for your vehicles. The coverage terms in a policy can be impossible to understand and even agents have difficulty translating policy wording. Below you’ll find the normal coverages found on the average car insurance policy.

Liability coverages

This coverage protects you from damage or injury you incur to people or other property in an accident. This coverage protects you against other people’s claims. It does not cover damage sustained by your vehicle in an accident.

Liability coverage has three limits: per person bodily injury, per accident bodily injury, and a property damage limit. You commonly see liability limits of 100/300/100 that translate to $100,000 in coverage for each person’s injuries, a total of $300,000 of bodily injury coverage per accident, and $100,000 of coverage for damaged propery.

Liability coverage pays for claims like medical expenses, attorney fees and medical services. How much liability should you purchase? That is a personal decision, but you should buy as high a limit as you can afford.

Comprehensive (Other than Collision)

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

Comprehensive insurance covers things like a tree branch falling on your vehicle, damage from flooding, hail damage and damage from getting keyed. The maximum payout you’ll receive from a claim is the market value of your vehicle, so if the vehicle is not worth much it’s probably time to drop comprehensive insurance.

Collision coverage protection

This will pay to fix damage to your Yaris resulting from colliding with another car or object. You will need to pay your deductible then the remaining damage will be paid by your insurance company.

Collision insurance covers claims like crashing into a ditch, hitting a parking meter and hitting a mailbox. Paying for collision coverage can be pricey, 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.

Protection from uninsured/underinsured drivers

Uninsured or Underinsured Motorist coverage gives you protection from other motorists when they do not carry enough liability coverage. Covered claims include medical payments for you and your occupants as well as damage to your Toyota Yaris.

Because many people have only the minimum liability required by law, their limits can quickly be used up. So UM/UIM coverage is important protection for you and your family.

Medical expense insurance

Medical payments and Personal Injury Protection insurance provide coverage for short-term medical expenses for things like EMT expenses, funeral costs, ambulance fees, chiropractic care and X-ray expenses. The coverages can be used to cover expenses not covered by your health insurance plan or if there is no health insurance coverage. Medical payments and PIP cover both the driver and occupants and also covers any family member struck as a pedestrian. Personal Injury Protection is not an option in every state but can be used in place of medical payments coverage

Make an honest buck

Some insurance providers don’t offer online quoting regional carriers work with independent insurance agents. More affordable insurance can be found online and with local insurance agents, and you need to price shop both to have the best chance of lowering rates.

We just showed you a lot of tips how to save on 2010 Toyota Yaris insurance. The key concept to understand is the more companies you get car insurance rates for, the better your chances of lowering your car insurance rates. You may even find the lowest rates come from a small mutual company. They can often insure niche markets at a lower cost as compared to the big name companies such as Allstate, GEICO and Progressive.

Other learning opportunities

Comments About 2010 Toyota Yaris Insurance

  1. Britni Barron

    I found cheap 2010 Toyota Yaris insurance in Houston, TX with Allstate.

  2. Holly Branch

    Will GEICO raise rates for a windshield claim?

  3. Yvonne Delaney

    Will Allstate do a SR22 in Kansas?

  4. Miesha Cotton

    If you’re a decent driver and live near Dallas, Texas, check out Allstate. They seem to be cheaper. Are quotes cheaper online?

  5. Vanda Dillard

    Good site, thanks. I’m in Albuquerque, NM. Not sure of all the companies but I ended up saving about $50 each month. Insured with American Family before.

  6. Darlena Dawson

    Located in Raleigh, North Carolina. Quoted prices from State Farm, Auto-Owners, and Esurance for my 2010 Toyota Yaris and saved around $580 a year. Switched homeowners coverage too. I got prices on the web.

  7. Colleen Patterson

    If you’re around Colorado Springs, CO try Allstate and Progressive and see which is cheaper.

  8. Leora Snyder

    Any Allstate or Eastwood customers near Raleigh, NC?

  9. Julianna Park

    What is comprehensive coverage?

  10. Nanette Kelly

    Checking in from Salem, Oregon. I got free rates from Hanover, Auto-Owners, Nationwide, and a couple others for my 2010 Toyota Yaris and saved $555 a year. Was with MetLife. Good savings if you bundle.

  11. Dinorah Clayton

    I live just to the west of Lincoln, NE. Quoted prices online for a 2010 Toyota Yaris. Ended up at about $480 savings annually. Went with Progressive. I got a quote from their website.

  12. Corrin Barron

    From a town just southwest of Denver, Colorado. I quoted with Hartford, AIG Insurance, Safeco, and a couple others for my 2010 Toyota Yaris and I’m now saving $50 a month.

  13. Star Trevino

    I’m in the east part of Nashua, NH. I quoted with American Family, Farmers, and Sentry for my Toyota and saved around $440 a year. Insured with Nationwide before. Even increased coverage a bit. I used their website to get prices.

  14. Blossom Bates

    If you’re a decent driver and live in the vicinity of Kansas City, Kansas, check out State Farm. You might save some money. Might find lower rates online.

  15. Julian Mccormick

    I got decent rates for a 2010 Toyota Yaris in Saint Louis, MO. Ended up at about $140 every six months with AAA. Just go online and compare their rates.

  16. Rickie Parks

    I got quite a few price quotes for a 2010 Toyota Yaris in Cleveland, Ohio. Ended up at about $480 every six months with AIG Insurance. Was with American Family. They offer free online rate quotes.

  17. Jessie Evans

    Will GEICO be cheaper if I raise deductibles?

  18. Louella Skinner

    I got quite a few price quotes for a 2010 Toyota Yaris in Fayetteville, Arkansas. Ended up at darn near $390 every six months with AIG Insurance. Left Mercury to switch. It’s still not cheap enough.

  19. Hiedi Santiago

    Does Allstate offer good discounts?

  20. Micki Monroe

    If you’re a decent driver and live in the vicinity of Virginia Beach, Virginia, check out Allstate. I saved quite a bit. It was easy to get rates.

  21. Russell Diaz

    This is too expensive. I live in a small town just outside of Seattle, Washington. Compared rates from a lot of places. Saved about $30 a month. GEICO was the cheapest option for me. Can still barely afford it.