Cheap 2011 Toyota Yaris Insurance Quotes

High-priced Toyota Yaris insurance can deplete your checking account and force you to prioritize other expenses. Doing a rate analysis is free, only takes a few minutes, and is a good way to lower your bills every month.

Many auto insurance companies compete for your insurance dollar, and because of this it can be hard to compare insurance companies to find the lowest rate possible.

If you have a policy now or are just looking to switch companies, you can learn to get lower rates while maximizing coverage. Buying car insurance is easy if you know what you’re doing. Drivers only need to know the most efficient way to compare rates online.

Verify you’re earning every discount

Insurance coverage can be pricey, but you might already qualify for some discounts that can dramatically reduce your bill. Certain discounts will be applied when you quote, but occassionally some discounts must be manually applied before you get the savings.

  • Waiver for an Accident – Not a discount per se, but companies like Allstate and Progressive will let one accident slide without the usual rate increase if you are claim-free prior to being involved in the accident.
  • Theft Prevention System – Cars and trucks equipped with tracking devices and advanced anti-theft systems are stolen with less frequency and will qualify for a discount on a insurance quote.
  • Defensive Driver – Passing a course in safe driver could save 5% or more depending on where you live.
  • Data Collection Discounts – Insureds who allow driving data collection to look at their driving habits through the use of a telematics system like Allstate’s Drivewise could see a rate decrease if they show good driving skills.
  • Seat Belt Usage – Using a seat belt and requiring all passengers to buckle up may be able to save a few bucks on medical payment and PIP coverage.
  • Good Student Discount – Performing well in school may save you up to 25%. The good student discount can last well after school through age 25.
  • Driver’s Education for Students – Reduce the cost of insurance for teen drivers by having them successfully complete driver’s ed class in school or through a local driver safety program.
  • Responsible Driver Discount – Drivers who don’t get into accidents could pay up to 40% less for Yaris insurance as compared to drivers with claims.
  • Multiple Cars – Buying insurance for several vehicles on a single policy could earn a price break for each car.
  • Distant Student – Kids who attend college more than 100 miles from home without a vehicle on campus could qualify for this discount.

One thing to note about discounts is that most credits do not apply to the entire policy premium. Most only apply to the cost of specific coverages such as comp or med pay. Even though the math looks like all those discounts means the company will pay you, insurance coverage companies aren’t that generous.

For a list of companies that offer multiple discounts, click here.

How you can control Toyota Yaris insurance premiums

Part of the auto insurance buying process is learning a few of the rating criteria that help calculate the price you pay for auto insurance. If you have some idea of what impacts premium levels, this enables informed choices that can help you get lower auto insurance prices.

  • Low stress occupation equals lower auto insurance rates – Careers like military generalsair traffic controllers and accountants tend to pay higher rates than average due to job stress and incredibly demanding work hours. Conversely, jobs such as actors, students and performers have lower than average premiums for Yaris insurance.
  • Liability protection is peace of mind – The liability section of your policy will provide protection if you are found to be at fault for causing damage or personal injury in an accident. Liability provides legal defense coverage up to the limits shown on your policy. Liability is cheap compared to comp and collision, so do not cut corners here.
  • Drive a safer car and pay less – Vehicles that have high safety ratings can get you lower premiums. Highly rated vehicles reduce occupant injuries and fewer injuries means lower claim amounts and lower rates for you.
  • More traffic means higher claims – Having an address in less populated areas can be a good thing when talking about auto insurance. Less people living in that area translates into fewer accidents in addition to fewer liability claims. City drivers have more auto accidents and more severe claims. Longer commute distances can result in more accidents.

When should I discuss my situation with an agent?

When choosing coverage for your personal vehicles, there is no cookie cutter policy. Everyone’s situation is unique and a cookie cutter policy won’t apply. For example, these questions may help highlight whether you could use an agent’s help.

  • What companies insure drivers after a DUI or DWI?
  • What if I owe more than I can insure my car for?
  • Are my tools covered if they get stolen from my vehicle?
  • Does my insurance cover a custom paint job?
  • How high should deductibles be on a 2011 Toyota Yaris?
  • Is pleasure use cheaper than using my 2011 Toyota Yaris to commute?
  • Why do I only qualify for high-risk insurance?

If you’re not sure about those questions but one or more may apply to you, you might consider talking to an agent. To find lower rates from a local agent, complete this form or click here for a list of insurance companies in your area. It is quick, free and may give you better protection.

Insurance policy coverages for a Toyota Yaris

Knowing the specifics of insurance can be of help when determining the best coverages for your vehicles. The coverage terms in a policy can be ambiguous and reading a policy is terribly boring. Below you’ll find typical coverages offered by insurance companies.

Comprehensive auto coverage

This coverage pays for damage that is not covered by collision coverage. You need to pay your deductible first and then insurance will cover the rest of the damage.

Comprehensive coverage pays for things such as a broken windshield, rock chips in glass, damage from flooding, damage from a tornado or hurricane and hail damage. The highest amount your insurance company will pay is the cash value of the vehicle, so if it’s not worth much more than your deductible consider removing comprehensive coverage.

Auto collision coverage

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

Collision insurance covers claims such as colliding with another moving vehicle, crashing into a ditch and scraping a guard rail. Collision coverage makes up a good portion of your premium, so consider removing coverage from lower value vehicles. You can also choose a higher deductible to bring the cost down.

Liability insurance

This coverage provides protection from damages or injuries you inflict on other people or property in an accident. This insurance protects YOU against claims from other people. Liability doesn’t cover your own vehicle damage or injuries.

Liability coverage has three limits: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You might see liability limits of 25/50/25 that translate to a limit of $25,000 per injured person, a total of $50,000 of bodily injury coverage per accident, and a limit of $25,000 paid for damaged property.

Liability insurance covers claims such as medical services, pain and suffering, structural damage, court costs and loss of income. How much coverage you buy is up to you, but you should buy higher limits if possible.

Medical payments and PIP coverage

Med pay and PIP coverage provide coverage for immediate expenses for things like X-ray expenses, EMT expenses and nursing services. They are often used to fill the gap from your health insurance policy or if there is no health insurance coverage. Coverage applies to both the driver and occupants and will also cover 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

UM/UIM (Uninsured/Underinsured Motorist) coverage

Your UM/UIM coverage provides protection when other motorists are uninsured or don’t have enough coverage. This coverage pays for injuries sustained by your vehicle’s occupants and also any damage incurred to your Toyota Yaris.

Because many people only carry the minimum required liability limits, their liability coverage can quickly be exhausted. This is the reason having UM/UIM coverage should not be overlooked.

Buy Smart and Save

Low-cost 2011 Toyota Yaris insurance can be sourced both online as well as from independent agents, and you should be comparing both so you have a total pricing picture. Some insurance companies may not provide online rate quotes and usually these small, regional companies prefer to sell through independent agencies.

As you shop your coverage around, you should never buy poor coverage just to save money. There have been many situations where someone sacrificed liability limits or collision coverage and discovered at claim time that it was a big error on their part. Your aim should be to buy enough coverage for the lowest cost but still have enough coverage for asset protection.

In this article, we covered many tips how you can lower your 2011 Toyota Yaris insurance prices. The most important thing to understand is the more times you quote, the better your comparison will be. You may even find the lowest prices come from a smaller regional carrier. These smaller insurers may only write in your state and offer lower rates as compared to the big name companies such as Progressive or GEICO.

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Comments About 2011 Toyota Yaris Insurance

  1. Omer Coffey

    Here’s what I found out. From Cedar Rapids, IA. Quoted a bunch of companies. Saved right around $40 a month. Progressive was the most affordable for me. Still almost need a second mortgage.

  2. Wenona Flynn

    I got decent rates for a 2011 Toyota Yaris in Evansville, Indiana. Ended up at right around $170 every six months with Auto-Owners.

  3. Errol Ferguson

    Well-written and thought out article. I’m in Rochester, New York. Compared quite a few companies. Saved roughly $50 a month. GEICO was the cheapest option for me. Was with Western Auto Insurance. I even had a DUI years ago.

  4. Hildred Mathis

    Here’s my quote info. I live west of Springfield, MA. Went online for free insurance quotes for a 2011 Toyota Yaris. Ended up at about $160 savings annually. Went with GEICO. I’m a pretty good driver though. Get lots of quotes to find the best rate.

  5. Daryl Holland

    Found cheapest coverage with USAA for my 2011 Toyota Yaris and cut my rates about $390 a year. I quoted rates online then called them.

  6. Pia Snider

    Anyone buy from American Family? I’m in Louisville, Kentucky.

  7. Virgina Mcgowan

    What is comprehensive coverage?

  8. Shelton Gilbert

    I think I’m paying too much. I live just to the east of Salt Lake City, Utah. Quoted quotes with State Farm, Encompass, and The General for my Yaris and saved about $290 a year.

  9. Kallie Barrera

    Affordable car insurance is a myth. From west side of Salem, OR. Quoted a bunch of companies. Saved roughly $70 a month. Allstate was the cheapest for me. Just go online and compare their rates.

  10. Marcus Graves

    Went with Eastwood for my 2011 Toyota Yaris and cut my rates about $240 a year. It’s easy to compare rates online now.