2013 Toyota Yaris Car Insurance Rates

Searching for the cheapest auto insurance rates for your Toyota Yaris? Have you finally had enough of trying to scrape together enough money to keep your car insured? You’re in the same situation as many other drivers. Insurance companies such as State Farm, GEICO and Farmers Insurance continually hit you with ad campaigns and it can be hard to see past the corporate glitz and find the best price available.

If you are insured now or need new coverage, you can follow these tips to shop for the lowest rates while maximizing coverage. Choosing the best insurance company for you is not rocket science. Drivers just need to learn the proper methods to shop their coverage around over the internet.

How to buy auto insurance online

Getting a cheaper price on 2013 Toyota Yaris insurance is not a difficult process. Consumers just need to take a couple of minutes to compare free auto insurance quotes to find. This can be done in several different ways.

  1. If you don’t have a lot of time, the easiest way consumers can make multiple comparisons is to use a rate comparison form click to view form in new window. This form keeps you from doing boring form submissions for every auto insurance company. In just a few minutes this one form will return price quotes from several companies.
  2. Another way to analyze rates requires you to visit the website for each individual company to complete their respective quote request forms. For instance, let’s assume you want to get rates from USAA, State Farm and Travelers. In order to get each rate, you would have to spend time going to each site individually and repeatedly enter your information, which can get rather old. For a list of links to companies insuring cars in your area, click here.

However you get your quotes, ensure you are comparing apples-to-apples coverage limits and deductibles for each price quote. If the quotes have different deductibles it will be impossible to determine which rate is truly the best.

Informed consumers can reduce their insurance premiums

Lots of things are part of the equation when you get a price on insurance. Most are fairly basic like an MVR report, but other criteria are not as apparent like where you live and annual miles driven.Consumers need to have an understanding of some of the factors that go into determining your auto insurance rates. If you have some idea of what influences your rates, this allows you to make good choices that will entitle you to lower auto insurance prices.

The itemized list below are most of the major factors auto insurance companies consider when setting rates.

  • Lower prices with theft deterrents – Owning a car with advanced anti-theft systems can save you some money. Theft deterrent systems like vehicle immobilizer systems, OnStar, and tracking devices like LoJack all hinder car theft.
  • Always keep your coverage in force – Letting your insurance expire is a sure-fire way to pay more for auto insurance. Not only will you pay higher rates, being ticketed for driving with no insurance may earn you a hefty fine and possibly a revoked license.
  • Extra policy coverages you don’t need – There are a lot of additional coverages that can add up if you don’t pay attention. Coverages for vanishing deductibles, towing coverage, and additional equipment coverage may be costing you every month. They may seem like a good idea when talking to your agent, but if you’ve never needed them in the past remove them from your policy.
  • Low mileage costs less – The more you drive your Toyota in a year the more it will cost to insure it. A lot of insurance companies calculate rates based on their usage. Autos that are left in the garage receive lower rates than vehicles that have high annual mileage. Improper usage on your Yaris may be costing you higher rates. It’s a good idea to make sure your declarations sheet shows the proper vehicle usage, because it can save money.
  • More traffic equals higher premiums – Living in small towns and rural areas can save you money when shopping for auto insurance. Lower population translates into fewer accidents and a lower car theft rate. Residents of big cities tend to have much more traffic and a longer drive to work. More time on the road means more chances of being involved in an auto accident.

Lower-cost insurance rates with discounts

Insurance is neither fun to buy or cheap, but there could be significant discounts that could help you make your next renewal payment. Certain discounts will be triggered automatically at the time you complete a quote, but less common discounts must be asked for before you will receive the discount.

  • Distant Student – Any of your kids who are attending college and do not take a car to college may be able to be covered for less.
  • Discounts for Seat Belt Usage – Forcing all vehicle occupants to use a seat belt can save 10% or more on the premium charged for medical payments and/or PIP.
  • Multi-line Discount – If the company offers life insurance, you could get lower prices if you buy a life insurance policy as well.
  • Save with More Vehicles Insured – Insuring multiple cars or trucks on the same insurance policy can reduce rates for all insured vehicles.
  • Homeowners Discount – Just being a homeowner can save you money because of the fact that having a home is proof that your finances are in order.

Drivers should understand that some of the credits will not apply the the whole policy. The majority will only reduce individual premiums such as liability, collision or medical payments. Just because it seems like adding up those discounts means a free policy, you aren’t that lucky.

A list of insurance companies and their possible discounts are:

  • GEICO offers discounts including good student, five-year accident-free, federal employee, defensive driver, and driver training.
  • Travelers has savings for payment discounts, new car, hybrid/electric vehicle, IntelliDrive, and multi-car.
  • Farm Bureau discounts include good student, multi-policy, renewal discount, safe driver, and multi-vehicle.
  • Liberty Mutual has discounts for multi-policy, teen driver discount, multi-car, preferred payment discount, and hybrid vehicle.
  • American Family may include discounts for defensive driver, TimeAway discount, early bird, mySafetyValet, and good driver.
  • Progressive offers premium reductions for multi-vehicle, homeowner, continuous coverage, multi-policy, and good student.

Double check with all companies you are considering how you can save money. Depending on the company, some discounts may not be available in your area. To find companies that offer many of these discounts, follow this link.

Tailor your insurance coverage coverage to you

When choosing coverage for your vehicles, there is no single plan that fits everyone. Your needs are not the same as everyone else’s and a cookie cutter policy won’t apply. These are some specific questions may help highlight if your situation could use an agent’s help.

  • Am I covered if I drive in a foreign country?
  • Is a fancy paint job covered?
  • Am I covered if my car is in a flood?
  • Does my policy cover me when driving someone else’s vehicle?
  • Should I sign the liability waiver when renting a car?
  • Do I need to file an SR-22 for a DUI in my state?
  • What is covered by UM/UIM coverage?
  • Is my camper covered by my car insurance policy?

If it’s difficult to answer those questions but you know they apply to you, you might consider talking to a licensed insurance agent. If you want to speak to an agent in your area, complete this form or you can go here for a list of companies in your area. It’s fast, free and can help protect your family.

Auto insurance coverages

Learning about specific coverages of a car insurance policy aids in choosing the right coverages at the best deductibles and correct limits. Policy terminology can be confusing and reading a policy is terribly boring. Listed below are typical coverage types found on the average car insurance policy.

Liability

Liability coverage protects you from damage or injury you incur to other people or property in an accident. It protects you from claims by other people, and does not provide coverage for damage to your own property or vehicle.

Liability coverage has three limits: bodily injury per person, bodily injury per accident and property damage. As an example, you may have values of 25/50/25 that translate to a $25,000 limit per person for injuries, $50,000 for the entire accident, and a total limit of $25,000 for damage to vehicles and property. Occasionally you may see a combined single limit or CSL which combines the three limits into one amount rather than limiting it on a per person basis.

Liability insurance covers things such as loss of income, repair bills for other people’s vehicles and bail bonds. How much coverage you buy is a personal decision, but consider buying as large an amount as possible.

Collision insurance

Collision coverage will pay to fix damage to your Yaris resulting from colliding with a stationary object or other vehicle. You will need to pay your deductible and the rest of the damage will be paid by collision coverage.

Collision coverage protects against claims like hitting a mailbox, scraping a guard rail, crashing into a building and sideswiping another vehicle. This coverage can be expensive, so consider removing coverage from vehicles that are 8 years or older. Drivers also have the option to choose a higher deductible in order to get cheaper collision rates.

Comprehensive coverage

This coverage pays for damage caused by mother nature, theft, vandalism and other events. You first have to pay a deductible then your comprehensive coverage will pay.

Comprehensive coverage pays for claims like damage from getting keyed, damage from a tornado or hurricane, damage from flooding, falling objects and vandalism. The maximum amount a car insurance company will pay at claim time is the actual cash value, so if it’s not worth much more than your deductible consider removing comprehensive coverage.

Medical payments coverage and PIP

Medical payments and Personal Injury Protection insurance provide coverage for short-term medical expenses such as EMT expenses, rehabilitation expenses and doctor visits. The coverages can be used to cover expenses not covered by your health insurance program or if you do not have health coverage. It covers all vehicle occupants and will also cover if you are hit as a while walking down the street. Personal Injury Protection is not available in all states and gives slightly broader coverage than med pay

Uninsured/Underinsured Motorist coverage

This coverage provides protection when other motorists either have no liability insurance or not enough. This coverage pays for hospital bills for your injuries as well as damage to your Toyota Yaris.

Due to the fact that many drivers have only the minimum liability required by law, it only takes a small accident to exceed their coverage. For this reason, having high UM/UIM coverages is important protection for you and your family. Most of the time your uninsured/underinsured motorist coverages are set the same as your liablity limits.

Have money to burn

As you restructure your insurance plan, it’s very important that you do not skimp on coverage in order to save money. There are too many instances where drivers have reduced physical damage coverage only to regret that the few dollars in savings costed them thousands. Your goal is to purchase a proper amount of coverage at a price you can afford and still be able to protect your assets.

In this article, we covered many tips how you can save on 2013 Toyota Yaris insurance. It’s most important to understand that the more times you quote, the better your chances of lowering your prices. You may even discover the lowest premium rates come from a lesser-known regional company. Some small companies can often insure niche markets at a lower cost compared to the large companies like GEICO and State Farm.

More information is available at these links:

Comments About 2013 Toyota Yaris Insurance

  1. Clyde Carroll

    Enjoyed the article. Got a quote with Hartford for my Yaris and saved about $100 a year. Insured with AAA before. I think they have home insurance too. They offer free online rate quotes.

  2. Mickey Talley

    Liked the article. Found cheapest coverage with Safeco for my Toyota and am saving around $370 a year. Was with AAA. God forbid I actually have a claim.

  3. Mina Newman

    Not sure if this is cheap. I live just to the south of Worcester, MA. Not sure of all the companies but I ended up saving about $60 each month. A clean driving record helps.

  4. Marleen Nolan

    I was with GMAC last year but switched to Allstate. I’m just west of Rockford, Illinois. My new agent seems to be really good. I got prices on the web.

  5. Darrick Wade

    I think I’m paying too much. I live just outside Boise, Idaho. Got car insurance prices from Auto-Owners, Nationwide, and USAA for my 2013 Toyota Yaris and am saving around $100 a year. Ask about discounts.

  6. Maggie Mcpherson

    I’m looking for cheaper coverage. Located in Aberdeen, South Dakota. I quoted with Allstate, Liberty Mutual, and Eastwood for my Yaris and saved just over $390 a year. Not sure if rates are cheaper online or not.

  7. Keisha Spence

    Here’s what I found out. I live in a small town just outside of Charlotte, North Carolina. I got free prices from Nationwide, Eastwood, Allstate, and American Family for my Yaris and I’m now saving $55 a month. They offer free online rate quotes.

  8. Nelda Romero

    Why are claims settled so low?

  9. Romona Emerson

    Cheap is not always the best policy. I live just to the south of Portland, OR. I got free quotes with GEICO, Esurance, and The General for my Toyota and I think I am saving around $50 each month. Left 21st Century to switch. Moved home policy as well. Just waiting to see how claims go.

  10. Santo Cardenas

    I’m just east of Concord, NH. I got free quotes with 21st Century, Hanover, and Eastwood for my 2013 Toyota Yaris and saved $135 a year. They have free quotes online.

  11. Edwardo Rich

    Great info, thanks for posting. I live just to the north of Nampa, Idaho. I got free rates from Western Auto Insurance, American Family, The General, and MetLife for my Yaris and I think I saved about $50 each month. Insured with Nationwide before. I have a teen driver too.

  12. Gita Solis

    Will Allstate raise rates for a small claim?

  13. Gwenn Nixon

    In Rockford, IL, Allstate auto insurance rates for my 2013 Toyota Yaris were good. A clean driving record helps. They have free quotes online.

  14. Jamison Bray

    Enjoyed the article. I live in Rio Rancho, New Mexico. Quoted prices online for a 2013 Toyota Yaris. Ended up at about $310 savings annually. Went with GEICO. Hopefully won’t need it.

  15. Arica Moran

    Got a quote with Western Auto Insurance for my Yaris and saved around $210 a year. Was with Nationwide. Did it all online.

  16. Bobbie Glass

    Here’s my info. I live just outside Dover, DE. Got free quotes online for a 2013 Toyota Yaris. Ended up at about $310 savings annually. Went with Progressive. BTW speeding tickets are not good. It never hurts to quote around.

  17. Danita Young

    $100 to anyone who understands their policy.