2013 Toyota Matrix Car Insurance Quotes – 7 Tips for Cheaper Rates

Looking for cheaper insurance rates for your Toyota Matrix? Finding a different company that has low cost insurance is challenging if you are one of the millions of people new to quote comparisons online. But don’t be overwhelmed because we’re going to show you how.

If you have car insurance now, you will most likely be able to reduce your rates substantially using these tips. This information will instruct you on the best way to quote coverages and some tricks to saving. Nevertheless, vehicle owners do need to learn the methods companies use to market on the web and use this information to your advantage.

Low cost car insurance price quotes online

Many insurance companies such as Progressive, GEICO, Allstate and State Farm make it easy to get coverage price quotes directly from their websites. Doing online quotes is fairly straightforward as you simply type in your personal and coverage information on the page. Behind the scenes, the company’s rating system orders reports for credit and driving violations and returns a price.

Quoting online makes it a lot easier to compare rates but the time required to go to multiple sites and type in the same information can be a bit tiresome and repetitive. But it’s also necessary to get many rate quotes if you want to find a lower rate.

A better way to compare rates utilizes a single form to return rates from several different companies. This type of form saves time, helps eliminate reptitive entry, and makes online price comparison much easier. Immediately after submitting the form, it is rated with multiple companies and you can pick your choice of the returned quotes. If you find a better price it’s easy to complete the application and buy the new coverage. The whole process just takes a couple of minutes and you will know how your current rates stack up.

To save time and find out if lower rates are available, click here and begin entering your coverage information. If you have your current policy handy, we recommend you input deductibles and limits identical to your current policy. This makes sure you will have comparison quotes for similar insurance coverage.

You may need specialized insurance coverage

When buying adequate coverage for your vehicles, there is no “best” method to buy coverage. Everyone’s situation is unique.

These are some specific questions could help you determine if you could use an agent’s help.

  • Do I need more liability coverage?
  • Am I covered when delivering products for my home-based business?
  • Am I covered if I hit my neighbor’s mailbox?
  • Why am I required to buy liability insurance?
  • Do I need medical payments coverage since I have good health insurance?
  • Am I covered if hit by an uninsured driver?
  • Does my insurance cover damage caused when ticketed for reckless driving?
  • Am I covered by my employer’s commercial auto policy when driving my personal car for business?
  • Is my teenager covered with friends in the car?
  • Does my medical payments coverage pay my health insurance deductible?

If it’s difficult to answer those questions but you think they might apply to your situation, you may need to chat with a licensed insurance agent. If you want to speak to an agent in your area, complete this form.

Car insurance coverages explained

Knowing the specifics of a car insurance policy can help you determine appropriate coverage for your vehicles. Policy terminology can be confusing and even agents have difficulty translating policy wording.

Collision coverage protection

This pays for damage to your Matrix resulting from colliding with an object or car. A deductible applies then your collision coverage will kick in.

Collision insurance covers claims like hitting a mailbox, rolling your car, crashing into a building, sideswiping another vehicle and sustaining damage from a pot hole. Collision is rather expensive coverage, so consider removing coverage from lower value vehicles. Drivers also have the option to increase the deductible to get cheaper collision coverage.

Medical expense insurance

Med pay and PIP coverage provide coverage for expenses for ambulance fees, dental work and doctor visits. They can be used to cover expenses not covered by your health insurance program or if you do not have health coverage. Coverage applies to both the driver and occupants and also covers getting struck while a pedestrian. Personal injury protection coverage is only offered in select states but can be used in place of medical payments coverage

Protection from uninsured/underinsured drivers

This coverage gives you protection when the “other guys” either have no liability insurance or not enough. This coverage pays for injuries to you and your family as well as your vehicle’s damage.

Due to the fact that many drivers only carry the minimum required liability limits, it only takes a small accident to exceed their coverage. That’s why carrying high Uninsured/Underinsured Motorist coverage is important protection for you and your family.

Comprehensive (Other than Collision)

Comprehensive insurance coverage pays to fix your vehicle from 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 claims like fire damage, a broken windshield, damage from getting keyed and rock chips in glass. The maximum amount your car insurance company will pay is the cash value of the vehicle, so if the vehicle’s value is low consider dropping full coverage.

Liability

This protects you from damages or injuries you inflict on people or other property by causing an accident. This coverage 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. You might see values of 50/100/50 that means you have $50,000 in coverage for each person’s injuries, a limit of $100,000 in injury protection per accident, and a total limit of $50,000 for damage to vehicles and property.

Liability coverage pays for things such as medical expenses, loss of income and attorney fees. How much coverage you buy is up to you, but you should buy as much as you can afford.

Comments About 2013 Toyota Matrix Insurance

  1. Daniele Foreman

    Cheaper car insurance is a myth. I live in a small town just outside of Cleveland, OH. Can’t remember who all I quoted but I ended up saving about $50 each month.

  2. Neely Delaney

    If you have a clean record and live in the vicinity of Fairbanks, Alaska, check out 21st Century. They seem to be cheaper. BTW speeding tickets are not good. LOL

  3. Isidro Mays

    Here’s what I found out. From northwest of Cedar Rapids, Iowa. Got rates from Allstate, AAA, and Eastwood for my Toyota and cut my rates about $460 a year. Thankfully I have a good driving record. Wish I didn’t have to insure at all.

  4. Palmer Newman

    Does 21st Century offer good discounts?

  5. Marleen Fitzgerald

    Great info, thanks for posting. I’m in the suburbs of Jacksonville, FL. I got free quotes from Auto-Owners, MetLife, and a few others for my 2013 Toyota Matrix and I’m now saving $62 a month. Good multi-policy discounts. Just waiting to see how claims go.

  6. Shawnna Knox

    From a town just southwest of Chicago, IL. Quoted a bunch of companies. Saved right around $50 a month. State Farm was the best choice for me. You can get a rate quote online.

  7. Shan Lang

    I live just outside Charlotte, North Carolina. Quoted with Progressive, Liberty Mutual, and Erie for my Toyota and saved $149 a year. Even increased coverage a bit.

  8. Bari Stokes

    Cheaper not always better. From south side of San Diego, CA. I got free quotes with Mercury, Esurance, Allstate, and AAA for my Toyota and saved just over $390 a year. Insured with Auto-Owners before. I used their website to get prices.

  9. Le Chambers

    Went with Erie for my Matrix and saved around $300 a year. They were helpful in switching over.

  10. Cordia Hall

    I compared a lot of rate quotes for a 2013 Toyota Matrix in New York City, New York. Ended up at right around $550 every six months with Amica. Can still barely afford it.

  11. Shaunta Fields

    This is too expensive. I’m just south of Salem, Oregon. Checked online prices for a 2013 Toyota Matrix. Ended up at about $170 savings annually. Went with Progressive. Insured with Sentry before. I’m a pretty low risk driver. Not sure if rates are cheaper online or not.

  12. Elma Dejesus

    Are State Farm rates cheap in Connecticut?

  13. Racquel Mcbride

    If you have a good history and are close to Omaha, Nebraska, check out GEICO. They seem to be cheaper.