Save on 2014 Toyota Avalon Insurance Cost

Looking for the cheapest auto insurance rates for your Toyota Avalon? Tired of robbing Peter to pay Paul to pay your auto insurance bill each month? You have the same problem as most other drivers.

Companies like Allstate, Liberty Mutual and State Farm all claim big savings, bombarding you with advertising and consumers find it hard to see through the deception and effectively compare rates to find the best deal.

Consumers need to get comparison quotes periodically because insurance prices change frequently. If you had the lowest price on Avalon insurance at your last renewal a different company probably has better rate quotes today. There are a lot of ways to save on auto insurance online, but we’re going to give you some excellent ideas to buy auto insurance cheaper.

Drivers can save with these discounts

Insurance can be prohibitively expensive, but you may find discounts that many people don’t even know exist. Larger premium reductions will be automatically applied when you get a quote, but a few need to be asked for before being credited.

  • Multiple Policy Discount – When you combine your auto and homeowners insurance and place coverage with the same company you could earn a discount of at least 10 to 15 percent or more.
  • Discounts for Government Workers – Active or retired federal employment may qualify for a discount when you quote auto insurance on Avalon insurance depending on your company.
  • Student in College – Any of your kids who live away from home at college and don’t have a car can receive lower rates.
  • Military Deployment Discount – Being deployed in the military may qualify for rate reductions.
  • Pay Now and Pay Less – If you can afford to pay the entire bill instead of making monthly payments you could save up to 5%.
  • Discounts for New Vehicles – Adding a new car to your policy can save up to 30% since new model year vehicles have better safety ratings.

A little disclaimer on discounts, most discounts do not apply to the overall cost of the policy. Some only reduce specific coverage prices like collision or personal injury protection. So even though they make it sound like all the discounts add up to a free policy, it’s just not the way it works.

Insurance companies that may have these benefits may include but are not limited to:

Before you buy a policy, ask each company or agent which discounts you may be entitled to. Some of the earlier mentioned discounts may not be available in your area. If you would like to see a list of companies with discount rates, follow this link.

Toyota Avalon insurance price factors

Many things are taken into consideration when premium rates are determined. Some are obvious such as your driving history, but some are more transparent like your continuous coverage and annual miles driven.

Shown below are most of the major factors utilized by car insurance companies to help set your premiums.

  • How your age affects costs – Youthful drivers have a tendency to be more careless when behind the wheel so they pay higher insurance coverage rates. Having to add a first-time driver to your insurance coverage policy can be quite pricey. Older, more experienced drivers have been proven to be more responsible, are lower risk to insure and receive fewer citations.
  • Pay more if you have a long commute – Residing in areas with lower population is a good thing when it comes to insurance coverage. Fewer drivers means a lower chance of having an accident and also fewer theft and vandalism claims. People in densly populated areas regularly have much more traffic and longer commute times. More time commuting means more chance of being in an accident.
  • Accidents hurt – Being a careful driver influences premium rates substantially. Drivers with clean records have lower premiums as compared to careless drivers. Just one speeding ticket or other violation can increase the cost of insurance twenty percent or more. Drivers who have flagrant citations such as reckless driving, hit and run or driving under the influence may find they need to submit a SR-22 form to the state department of motor vehicles in order to keep their license.
  • Too many claims drive up rates – Auto insurance companies provide cheaper rates to drivers that do not abuse their auto insurance. If you frequently file small claims, you can definitely plan on higher rates. Auto insurance is designed for claims that pose a financial burden.

Special considerations

When it comes to buying proper insurance coverage for your vehicles, there really is not a best way to insure your cars. Every situation is different so your insurance needs to address that. These are some specific questions may help you determine whether your personal situation might need an agent’s assistance.

  • Am I covered if I drive in a foreign country?
  • I have health insurance so do I need medical payments coverage?
  • Do I need replacement cost coverage?
  • Is my nanny covered when driving my vehicle?
  • Is a blown tire covered by insurance?
  • Can I afford to pay high deductible claims out of pocket?

If you can’t answer these questions but you know they apply to you, you may need to chat with an insurance agent. To find lower rates from a local agent, take a second and complete this form or go to this page to view a list of companies.

Coverage specifics

Having a good grasp of a car insurance policy can help you determine the best coverages at the best deductibles and correct limits. The coverage terms in a policy can be difficult to understand and coverage can change by endorsement. Listed below are the normal coverages offered by car insurance companies.

Collision coverage

This coverage covers damage to your Avalon resulting from a collision with a stationary object or other vehicle. You have to pay a deductible then the remaining damage will be paid by your insurance company.

Collision coverage pays for claims like colliding with another moving vehicle, driving through your garage door, scraping a guard rail and rolling your car. Paying for collision coverage can be pricey, so analyze the benefit of dropping coverage from vehicles that are older. You can also choose a higher deductible in order to get cheaper collision rates.

Liability car insurance

Liability insurance provides protection from damages or injuries you inflict on other’s property or people. This insurance protects YOU against other people’s claims. It does not cover damage to your own property or vehicle.

Liability coverage has three limits: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. Your policy might show values of 100/300/100 that translate to $100,000 in coverage for each person’s injuries, $300,000 for the entire accident, and $100,000 of coverage for damaged propery. Alternatively, you may have a combined single limit or CSL that pays claims from the same limit with no separate limits for injury or property damage.

Liability coverage pays for claims such as medical expenses, attorney fees, emergency aid and pain and suffering. How much liability should you purchase? That is up to you, but consider buying as high a limit as you can afford.

Comprehensive protection

Comprehensive insurance coverage covers damage that is not covered by collision coverage. A deductible will apply and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive can pay for claims such as falling objects, hail damage and damage from flooding. The highest amount you’ll receive from a claim is the cash value of the vehicle, so if the vehicle’s value is low consider removing comprehensive coverage.

Uninsured or underinsured coverage

Uninsured or Underinsured Motorist coverage protects you and your vehicle when other motorists are uninsured or don’t have enough coverage. It can pay for injuries sustained by your vehicle’s occupants as well as your vehicle’s damage.

Since a lot of drivers only purchase the least amount of liability that is required, 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. Frequently these coverages are set the same as your liablity limits.

Medical expense coverage

Medical payments and Personal Injury Protection insurance provide coverage for expenses like surgery, X-ray expenses, EMT expenses, doctor visits and funeral costs. They are often used to cover expenses not covered by your health insurance plan or if there is no health insurance coverage. Coverage applies to both the driver and occupants and also covers if you are hit as a while walking down the street. Personal Injury Protection is only offered in select states but can be used in place of medical payments coverage

In the end, you save

In this article, we presented some good ideas how you can save on 2014 Toyota Avalon insurance. The most important thing to understand is the more you quote auto insurance, the higher your chance of finding inexpensive auto insurance. You may be surprised to find that the best car insurance rates are with a small local company. Some small companies may cover specific market segments cheaper than their larger competitors like Allstate, GEICO and Progressive.

When getting auto insurance quotes online, it’s not a good idea to buy less coverage just to save a little money. There are a lot of situations where an insured cut full coverage only to find out that their decision to reduce coverage ended up costing them more. Your focus should be to purchase plenty of coverage at the best price while not skimping on critical coverages.

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Comments About 2014 Toyota Avalon Insurance

  1. Xiomara Potts

    Great info, thanks for posting. I live in Lincoln, NE. Got quotes with AIG Insurance, Sentry, and some smaller one I can’t remember the name of for my Toyota and I’m now saving $38 a month. Insured with Liberty Mutual before. Just go online and compare their rates.

  2. Casey Cummings

    Found cheapest coverage with State Farm for my 2014 Toyota Avalon and saved around $320 a year. I got prices on the web.

  3. Elliot Strickland

    Hope my rates come down. From north side of Hartford, CT. Got quotes with AAA, Mercury, and USAA for my 2014 Toyota Avalon and I think I cut my rates about $40 each month.

  4. Thu Raymond

    I’ve had Progressive for years. I’m in Minneapolis, MN.

  5. Royce Lamb

    Progressive was cheapest for my 2014 Toyota Avalon in Baton Rouge, LA.

  6. Usha Wilkins

    Hope my rates come down. I’m in the suburbs of Kansas City, MO. I got free quotes with Amica, Safeco, and some smaller one I can’t remember the name of for my 2014 Toyota Avalon and saved just over $310 a year. My new agent seems to be really good.

  7. Soila York

    Just my two cents. I live in a small town just outside of Grand Rapids, MI. I got free quotes from 21st Century, American Family, and Esurance for my Avalon and saved $383 a year.

  8. Hermelinda Whitney

    I chose to switch to State Farm from AAA. I live in Jacksonville, Florida.

  9. Fredric Rosa

    Any 21st Century or Farmers customers near Knoxville, TN?

  10. Bryon Sparks

    I’m in Des Moines, Iowa. Checked online prices for a 2014 Toyota Avalon. Ended up at about $200 savings annually. Went with GEICO. Left Liberty Mutual to switch. Have a couple speeding tickets too. I recommend comparing lots of rates.

  11. Christopher Molina

    Will 21st Century raise rates for a small claim?

  12. Herbert Hurst

    Thought I’d throw in my experience. I’m in North Charleston, SC. Quoted rates from Hanover, AAA, MetLife, and a couple others for my 2014 Toyota Avalon and cut my rates about $180 a year.