View 2013 Toyota Avalon Insurance Quotes

Do you think you bought high-priced car insurance? Don’t feel bad because there are many people just like you.

There is such a variety of car insurance companies to purchase coverage from, and even though it’s nice to have multiple companies, lots of choices makes it harder to compare rates.

How to lower your car insurance cost

When shopping for car insurance there are multiple ways of comparing price quotes from many different insurance companies. The simplest method to compare 2013 Toyota Avalon insurance prices consists of shopping online. It is quite easy and can be accomplished in a couple minutes as outlined below.

  1. The most efficient method to get quotes for comparison is an all-inclusive rate comparison like this one (opens in new window). This easy form prevents you from having to do separate forms for each price estimate. Taking the time to complete one form will get you rate comparisons from car insurance companies with the best prices.
  2. A more time consuming way to get comparison quotes consists of visiting the website of each company and go through the quote process again. For examples sake, let’s say you want to compare Allstate, Esurance and GEICO. You would be required to spend time going to each site individually and repeatedly type in your coverage information, which can get old fast. For a list of companies in your area, click here.
  3. The final way to shop rates is physically going to all the different insurance agencies. Comparing rates online eliminates the need for an insurance agent unless your situation requires the personal advice that only a licensed agent can provide. Although, it is possible comparison shop online but still have the advice of a local agent.

It doesn’t matter which method you choose, just be sure you’re using equivalent coverages and limits with every price quote. If you enter different liability limits it will be nearly impossible to decipher which rate is best. Just a small difference in limits can mean a large discrepancy in price. Just keep in mind that getting more free quotes increases your odds of finding the best offered rates. Some regional insurers cannot provide online rate quotes, so you should also compare price estimates from the smaller companies as well.

Lower your auto insurance rates with discounts

Auto insurance is not an enjoyable expense, but you may find discounts to help offset the cost. Certain discounts will be triggered automatically at the time of purchase, but a few must be asked about before you get the savings.

  • Include Life Insurance and Save – Some insurance companies give a lower auto insurance rate if you buy a life insurance policy as well.
  • Save with a New Car – Buying insurance coverage on a new vehicle is cheaper compared to insuring an older model.
  • Seat Belts Save more than Lives – Drivers who require all vehicle occupants to buckle up before driving could save 15% off the PIP or medical payment premium.
  • Onboard Data Collection – Insureds who allow driving data collection to analyze driving habits by installing a telematics device such as Progressive’s Snapshot and State Farm’s In-Drive may see discounts as long as they are good drivers.
  • Student in College – Any of your kids who are enrolled in a college that is more than 100 miles from home and don’t have a car can receive lower rates.
  • Good Grades Discount – This discount may save as much as 25% on a insurance quote. Many companies even apply the discount to college students well after school through age 25.
  • Paperless Signup – A few larger online companies will discount your bill up to fifty bucks get insurance over the internet.
  • Passive Restraints and Air Bags – Vehicles equipped with air bags or motorized seat belts can qualify for discounts of 20% or more.
  • Waiver for an Accident – This isn’t a discount exactly, but certain companies will forgive one accident without getting socked with a rate hike so long as you are claim-free for a set time period.

Please keep in mind that most credits do not apply to the entire cost. Most cut the price of certain insurance coverages like comp or med pay. So when the math indicates all the discounts add up to a free policy, you won’t be that lucky. Any qualifying discounts should help reduce your premiums.

To locate providers that offer multiple discounts, click this link.

You are unique and your auto insurance should be too

When choosing adequate coverage, there really is not a perfect coverage plan. Your needs are not the same as everyone else’s so your insurance needs to address that. For instance, these questions might help in determining if you could use an agent’s help.

  • Does my 2013 Toyota Avalon qualify for pleasure use?
  • Are my tools covered if they get stolen from my vehicle?
  • When would I need rental car insurance?
  • Which is better, split liability limits or combined limits?
  • Does my medical payments coverage pay my health insurance deductible?
  • What should my uninsured motorist coverage limits be in my state?
  • Does medical payments coverage apply to all occupants?

If it’s difficult to answer those questions but a few of them apply, you may need to chat with an insurance agent. To find an agent in your area, fill out this quick form or go to this page to view a list of companies.

Auto insurance policy specifics

Understanding the coverages of a auto insurance policy can help you determine which coverages you need and the correct deductibles and limits. Auto insurance terms can be impossible to understand and nobody wants to actually read their policy. These are the normal coverages found on the average auto insurance policy.

Comprehensive auto insurance

Comprehensive insurance coverage will pay to fix damage caused by mother nature, theft, vandalism and other events. You first must pay your deductible and then insurance will cover the rest of the damage.

Comprehensive coverage pays for claims such as rock chips in glass, hail damage and damage from a tornado or hurricane. The maximum payout you can receive from a comprehensive claim is the cash value of the vehicle, so if the vehicle’s value is low consider dropping full coverage.

Coverage for collisions

Collision insurance pays for damage to your Avalon resulting from colliding with a stationary object or other vehicle. You first must pay a deductible and then insurance will cover the remainder.

Collision coverage pays for things like sideswiping another vehicle, backing into a parked car and colliding with a tree. This coverage can be expensive, so analyze the benefit of dropping coverage from lower value vehicles. Drivers also have the option to raise the deductible to get cheaper collision coverage.

Coverage for medical expenses

Personal Injury Protection (PIP) and medical payments coverage reimburse you for bills for ambulance fees, hospital visits, chiropractic care, dental work and surgery. The coverages can be utilized in addition to your health insurance policy or if you are not covered by health insurance. It covers you and your occupants and will also cover getting struck while a pedestrian. PIP coverage is only offered in select states but it provides additional coverages not offered by medical payments coverage

Coverage for liability

Liability coverage protects you from damages or injuries you inflict on other’s property or people. This coverage protects you from legal claims by others. It does not 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. Your policy might show liability limits of 50/100/50 which means $50,000 in coverage for each person’s injuries, $100,000 for the entire accident, and property damage coverage for $50,000. Another option is a combined limit which provides one coverage limit without having the split limit caps.

Liability can pay for claims such as funeral expenses, legal defense fees, repair bills for other people’s vehicles, court costs and structural damage. How much liability coverage do you need? That is your choice, but you should buy as much as you can afford.

Coverage for uninsured or underinsured drivers

This coverage gives you protection from other motorists when they either have no liability insurance or not enough. Covered losses include medical payments for you and your occupants and also any damage incurred to your Toyota Avalon.

Since a lot of drivers have only the minimum liability required by law, their limits can quickly be used up. This is the reason having UM/UIM coverage is very important. Normally these coverages do not exceed the liability coverage limits.

Comments About 2013 Toyota Avalon Insurance

  1. Lavonia Clark

    Cheaper car insurance is a myth. I’m in the west part of Juneau, AK. I got free prices from Auto-Owners, MetLife, and Travelers for my Toyota and saved just over $370 a year. I get multi-vehicle and multi-policy discounts.

  2. Anneliese Lynn

    Nice post. Quoted with Esurance for my 2013 Toyota Avalon and am saving around $410 a year. I get multi-vehicle and multi-policy discounts.