Cheap 2014 Toyota Avalon Hybrid Insurance Cost

If price shopping insurance quotes online is new to you, chances are good that you are baffled thanks to all the different types of companies selling insurance.

Save with with these discounts

Car insurance is not cheap, but you can get discounts to help offset the cost. Certain discounts will be applied when you purchase, but less common discounts must be specially asked for prior to receiving the credit.

  • Paperwork-free – Certain insurance companies give back up to $50 for buying your policy on your computer.
  • Waiver for an Accident – This one is not really a discount per se, but a few companies such as State Farm, Progressive and GEICO permit an accident without the usual rate increase so long as you are claim-free prior to the accident.
  • Distant College Student Discount – Children who are enrolled in a college that is more than 100 miles from home and won’t have access to an insured vehicle may be insured at a cheaper rate.
  • Discounts for Multiple Vehicles – Drivers who insure all your vehicles on a single policy may reduce the rate for each vehicle.
  • Own a Home and Save – Simply owning a home can help you save on auto insurance since owning and maintaining a home shows financial diligence.
  • Student Discount for Driver Training – 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.
  • Sign Early and Save – Select auto insurance companies give a discount for signing up prior to the expiration date on your current policy. It can save you around 10%.
  • Military Discounts – Being on active deployment in the military could trigger a small discount.

Discounts lower rates, but most credits do not apply to the entire policy premium. Most only cut individual premiums such as liability, collision or medical payments. Despite the fact that it seems like all the discounts add up to a free policy, it doesn’t quite work that way.

Popular auto insurance companies and a summarized list of policyholder discounts are:

  • GEICO offers premium reductions for membership and employees, defensive driver, emergency military deployment, anti-lock brakes, five-year accident-free, federal employee, and good student.
  • MetLife has savings for good driver, accident-free, multi-policy, defensive driver, and claim-free.
  • Progressive offers discounts for online signing, homeowner, good student, multi-policy, and multi-vehicle.
  • Travelers may include discounts for student away at school, payment discounts, good student, save driver, driver training, home ownership, and continuous insurance.
  • SAFECO offers discounts including multi-car, anti-theft, teen safety rewards, teen safe driver, accident prevention training, drive less, and safe driver.
  • AAA may have discounts that include pay-in-full, multi-policy, AAA membership discount, anti-theft, good driver, and good student.

Double check with each company or agent which discounts they offer. All car insurance discounts might not be offered in your area. To view insurance companies that can offer you the previously mentioned discounts, follow this link.

How much is auto insurance?

Comparing auto insurance rates can be a daunting task if you don’t know the most efficient way to do it. You could spend your day talking to local insurance agents in your area, or you could save time and use online quotes to accomplish the same thing much quicker.

All the larger companies take part in a program that enables customers to only type in their quote data once, and at least one company returns a rated price for coverage. This system prevents you from having to do form submissions to each individual auto insurance company. To find out what other companies charge click here to open in new window.

One minor caviat to comparing rates this way is that you can’t choose which companies to receive prices from. If you prefer to choose individual companies to request quotes from, we put together a list of companies who write auto insurance in your area. Click to view list.

The approach you take is up to you, just be sure to compare nearly identical information for each quote you get. If you use differing limits it’s not possible to make a fair comparison for your Toyota Avalon Hybrid. Slightly different coverages could mean much higher rates. And when quoting auto insurance, remember that making a lot of price comparisons will improve the odds of getting a lower rate. Not every company allows you to get quotes online, so it’s necessary to compare prices from them, too.

What determines Toyota Avalon Hybrid insurance premiums?

Many factors are used when you quote your car insurance policy. Some of the criteria are obvious like a motor vehicle report, but other factors are less obvious like where you live or your vehicle rating.Smart consumers have a good feel for the different types of things that go into determining your policy premiums. When you know what positively or negatively determines premiums, this allows you to make educated decisions that may result in much lower annual insurance costs.

  • Increase deductibles and save – Comp and collision deductibles define the amount you are willing to pay if you file a covered claim. Protection for physical damage, termed comprehensive and collision coverage on your policy, covers damage that occurs to your car. Some coverage claims are colliding with a stationary object, damage from fire, or theft of your vehicle. The larger the amount you choose to pay out-of-pocket, the less your company will charge you for insurance for Avalon Hybrid coverage.
  • Save money with GPS tracking and theft deterrents – Choosing to buy a car with anti-theft technology or alarm system can earn a premium discount. Systems that thwart theives like GM’s OnStar, tamper alarm systems and vehicle immobilizers all help stop auto theft and help lower rates.
  • Cheaper rates by bundling – Most insurance companies allow discounts to insureds that purchase more than one policy. It’s known as a multi-policy discount. Even though this discount sounds good, it’s in your best interest to compare rates to verify if the discount is saving money.There is a chance you can find lower rates by insuring with multiple companies.
  • Fewer miles means better rates – The more miles you rack up on your Toyota in a year the higher your rates will be. Most insurance companies charge rates determined by how the vehicle is used. Cars and trucks that sit idle most of the time can get a lower rate than those used for commuting. Incorrect rating for your Avalon Hybrid can result in significantly higher rates. Double check that your policy is rated on the correct driver usage, because improper ratings can cost you money.
  • Don’t cancel your coverage without a new one in place – Driving your car without having proper coverage can get your license suspended and insurance companies will penalize you for letting your coverage lapse. And not only will your rates increase, being ticketed for driving with no insurance might get you a license revocation or jail time.
  • Rental and towing coverage may not be needed – There are a ton of additional extra coverages that sound like a good idea at the time if you aren’t careful. Things like roadside assistance, accidental death, and term life insurance are examples of these. You may think they are a good idea when you first buy your policy, but if you don’t need them consider taking them off your policy.

Your situation helps dictate your coverage

When it comes to buying the best insurance coverage coverage, there isn’t really a single plan that fits everyone. Every insured’s situation is different.

Here are some questions about coverages that might point out if you will benefit from professional help.

  • Am I covered if I drive in a foreign country?
  • What happens if I owe more than my 2014 Toyota Avalon Hybrid is worth?
  • Can my teen driver be rated on a liability-only vehicle?
  • Will my insurance pay for OEM parts?
  • Am I covered when driving on a suspended license?
  • Why am I be forced to buy a membership to get insurance from some companies?
  • Does medical payments coverage apply to all occupants?
  • Is my 2014 Toyota Avalon Hybrid covered for flood damage?
  • What is high-risk coverage and where do I buy it?
  • Am I covered when driving someone else’s vehicle?

If it’s difficult to answer those questions, you might consider talking to a licensed insurance agent. If you want to speak to an agent in your area, complete this form.

Tricks in insurance coverage advertising

Insurance coverage companies such as 21st Century, Allstate and State Farm regularly use ads on TV and radio. They all try to convey promises about savings just by switching your insurance coverage coverage to their company. How do they all charge less that you’re paying now?

Insurance companies require specific criteria for the type of driver that will be a good risk. A good example of a profitable insured could possibly be between the ages of 30 and 50, carries full coverage, and the vehicle is rated for pleasure use. A driver who matches that profile will get the preferred car insurance rates and have a good chance to cut their rates substantially.

Consumers who do not meet those criteria will get a more expensive rate which usually ends up with the customer not buying. If you pay close attention to the ads, they say “customers who switch” but not “all drivers who get quotes” save that kind of money. That’s why insurance companies can make the claims of big savings. Because of these techniques, you really should compare many company’s rates. You cannot predict which company will provide you with the cheapest prices.

Specific coverage details

Knowing the specifics of a insurance policy aids in choosing which coverages you need and the correct deductibles and limits. Insurance terms can be ambiguous and coverage can change by endorsement.

Comprehensive insurance

Comprehensive insurance coverage pays to fix your vehicle from damage from a wide range of events other than collision. You first must pay your deductible and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive coverage pays for things like falling objects, fire damage and theft. The most your insurance company will pay is the ACV or actual cash value, so if the vehicle’s value is low it’s probably time to drop comprehensive insurance.

Med pay and Personal Injury Protection (PIP)

Medical payments and Personal Injury Protection insurance reimburse you for bills like prosthetic devices, X-ray expenses and funeral costs. They are used in conjunction with a health insurance plan or if you do not have health coverage. It covers all vehicle occupants as well as being hit by a car walking across the street. PIP is not universally available and gives slightly broader coverage than med pay

Uninsured/Underinsured Motorist (UM/UIM)

This provides protection when the “other guys” do not carry enough liability coverage. Covered claims include medical payments for you and your occupants and also any damage incurred to your Toyota Avalon Hybrid.

Since many drivers have only the minimum liability required by law, it doesn’t take a major accident to exceed their coverage limits. For this reason, having high UM/UIM coverages is very important.

Auto liability insurance

This coverage will cover damages or injuries you inflict on other people or property that is your fault. It protects you from claims by other people, and doesn’t cover damage sustained by your vehicle in an accident.

Coverage consists of three different limits, per person bodily injury, per accident bodily injury, and a property damage limit. As an example, you may have limits of 100/300/100 which means a $100,000 limit per person for injuries, $300,000 for the entire accident, and a limit of $100,000 paid for damaged property.

Liability can pay for claims such as structural damage, court costs and attorney fees. How much liability coverage do you need? That is your choice, but you should buy as large an amount as possible.

Auto collision coverage

This pays for damage to your Avalon Hybrid from colliding with another car or object. A deductible applies and then insurance will cover the remainder.

Collision coverage pays for things like hitting a mailbox, sustaining damage from a pot hole and sideswiping another vehicle. Collision coverage makes up a good portion of your premium, so consider removing coverage from older vehicles. It’s also possible to bump up the deductible to bring the cost down.

Shop around and save

Some insurance providers may not provide internet price quotes and most of the time these smaller providers only sell coverage through local independent agents. Lower-priced 2014 Toyota Avalon Hybrid insurance can be purchased both online as well as from insurance agents, so you need to compare both so you have a total pricing picture.

As you quote insurance, never buy poor coverage just to save money. There have been many situations where an accident victim reduced liability coverage limits to discover at claim time that the few dollars in savings costed them thousands. The aim is to purchase a proper amount of coverage at the lowest possible cost and still be able to protect your assets.

We just presented many ideas to compare 2014 Toyota Avalon Hybrid insurance auto insurance rates online. It’s most important to understand that the more quotes you get, the better likelihood of getting affordable insurance. You may be surprised to find that the lowest auto insurance rates come from some of the lesser-known companies.

More information is available on the following sites:

Comments About 2014 Toyota Avalon Hybrid Insurance

  1. Kerry Stein

    Here’s my info. I’m in the west part of Eugene, OR. Got quotes with AAA, Safeco, and some smaller one I can’t remember the name of for my Avalon Hybrid and saved $379 a year. Was with AIG Insurance.

  2. Velvet Mccarty

    I live south of San Diego, California. Got free quotes online for a 2014 Toyota Avalon Hybrid. Ended up at about $150 savings annually. Went with 21st Century. Even increased coverage a bit.

  3. Toni Bishop

    If you have a clean record and live around Missoula, MT, check out State Farm. They seem to be cheaper.

  4. Val Albert

    It all costs too much. I’m in the suburbs of Tacoma, Washington. Received quotes from 21st Century, Hanover, and Farmers for my 2014 Toyota Avalon Hybrid and saved $290 a year. Just waiting to see how claims go.

  5. Kristen Joyner

    Live in the northern part of Cranston, Rhode Island. I compared lots of rates. Saved right around $50 a month. 21st Century was the most affordable for me.

  6. Keith Ball

    Lots of useful info here. I live on the east side of Saint Louis, MO. Received quotes with 21st Century, Encompass, and Hartford for my Toyota and saved just over $550 a year. I get a discount for insuring multiple vehicles. Highly recommended.

  7. Lisette Rogers

    I’m in the suburbs of Aurora, IL. Got prices from AAA, Mercury, and USAA for my 2014 Toyota Avalon Hybrid and I think I cut my rates about $30 each month.

  8. Valrie Ball

    Good site, thanks. I live just outside Concord, New Hampshire. Quoted with Progressive, AAA, Erie, and Liberty Mutual for my Avalon Hybrid and saved $384 a year. Teenage drivers are expensive!

  9. Madalene Walsh

    Is State Farm cheaper than Progressive in Cranston, RI?

  10. Gertrudis Mccray

    Cheaper not always better. I’m from Reno, Nevada. I quoted with The General, AIG Insurance, Safeco, and a couple others for my Toyota and saved around $470 a year. Was with Safeco. I have a couple other vehicles on the policy.

  11. Prudence Nolan

    I’m looking for cheaper coverage. I’m in Hilo, Hawaii. Went online for free insurance quotes for a 2014 Toyota Avalon Hybrid. Ended up at about $400 savings annually. Went with 21st Century. Was with MetLife. Teenage drivers are expensive!

  12. Rosia Lopez

    I can’t pay high rates. Checking in from Charleston, SC. I got free quotes from MetLife, Eastwood, 21st Century, and Amica for my 2014 Toyota Avalon Hybrid and saved just over $380 a year.

  13. Pamula Patel

    I’m from Madison, WI. Got car insurance prices from GEICO, Erie, and Hanover for my Avalon Hybrid and I think I cut my rates about $30 each month.