View 2014 Toyota Sienna Insurance Quotes

Searching for cheaper insurance coverage rates for your Toyota Sienna? Locating cheaper insurance for a Toyota Sienna can be difficult, but you can follow the following methods and make it easy. There is a right way and a wrong way to find insurance coverage online so you’re going to learn the best way to quote coverages on a Toyota and get the cheapest rates.

Shop auto insurance online

Most major insurance companies like Progressive, Geico, Allstate and State Farm allow consumers to get coverage price quotes from their websites. Getting prices online is easy for anyone because you just enter the coverages you want into a form. After you complete the form, the company’s rating system automatically retrieves reports for credit and driving violations and gives you a price quote based on these factors.

Online price estimates streamlines rate comparisons, but the work required to visit many different websites and type in your information is a waste of time. But it’s very important to compare as many rates as possible in order to find the best price possible.

There is a better way!

The easiest way to locate the lowest prices uses just one form that gets price quotes from several companies at one time. The form is fast, reduces the work, and makes price shopping online a lot less work. Immediately after you send the form, it is rated and you can choose any or none of the returned quotes. If one or more price quotes are lower than your current rates, you can click and sign and buy the new coverage. The whole process takes 15 minutes at the most and could lower your rates considerably.

To compare rates using this form now, click here to open in new window and enter your vehicle and coverage information. If you have your current policy handy, we recommend you type in coverages and limits exactly as shown on your declarations page. Doing this assures you will get an apples-to-apples comparison for exact coverage.

Advertising myths

Consumers constantly see and hear ads that claim the lowest prices from companies such as Progressive, Geico, Allstate and State Farm. All the companies try to convey promises about saving some big amount if you get a free auto insurance quote and switch to them.

That’s great but how can every company offer drivers better rates? It’s all in how they say it.

Insurance companies provide the lowest rates for the right customer that earns them the highest profit. One example of this type of risk profile could be between the ages of 30 and 50, owns their home, and the vehicle is rated for pleasure use. Anybody who fits those characteristics will get very good premium rates and most likely will save if they switch.

Consumers who do not meet this ideal profile will probably have to pay higher rates and ends up with the customer buying from a different company. The trick companies use is to say “people that switch” not “everyone that quotes” can get the lowest rates when switching. This is how insurance companies can make the claims of big savings. This really drives home the point why you really should compare quotes as often as possible. Because you never know the company that will give you the biggest savings.

Get cheaper insurance prices by understanding these factors

Consumers need to have an understanding of the factors that play a part in calculating auto insurance rates. When you understand what controls the rates you pay, this empowers consumers to make smart changes that can earn you lower premium levels. Lots of things are part of the calculation when you get a price on insurance. Some are pretty understandable like an MVR report, but some are not as apparent such as whether you are married or your vehicle rating.

The following are some of the factors that factor into rates.

• Protect yourself with liability coverage – Your policy’s liability coverage kicks in when you are found to be at fault for physical damage or personal injury to other. Liability provides you with a defense in court to defend your case. Liability insurance is quite affordable compared to comp and collision, so drivers should carry high limits.
• Reduce prices by driving safer vehicles – Vehicles that have high safety ratings tend to have lower insurance rates. Safe vehicles result in less severe injuries and reduced instances of injuries means lower claim amounts which can result in lower premiums. If your Toyota Sienna earned at least an “acceptable” rating on the Insurance Institute for Highway Safety website it is probably cheaper to insure.
• Premiums are high for teenagers – More experienced drivers are more responsible, statistically cause fewer accidents and get fewer tickets.Young drivers have been known to get distracted easily when behind the wheel so they pay higher auto insurance rates.
• More stress means more cost – Occupations like real estate brokers, business owners and emergency personnel are shown to have higher premium rates attributed to job stress and lots of time spent at work. On the other hand, occupations such as actors, students and homemakers have lower than average premiums for Sienna coverage.
• Filing auto insurance claims can increase rates – If you frequently file small claims, don’t be surprised to see much higher rates or policy non-renewal. Auto insurance companies generally give better rates to insureds who do not file claims often. Your car insurance is designed for claims that pose a financial burden.
• Cheaper premiums for prior coverage – Driving without insurance coverage in place can get you a ticket and any future policy may cost more because you let your insurance lapse for non-payment. Not only will rates go up, the inability to provide proof of insurance may result in a revoked license or a big fine.
• Traffic violations mean higher premiums – Your driving record can have a huge impact on auto insurance premiums. Attentive drivers get better rates compared to drivers with tickets. Even a single citation can increase rates by twenty percent. Drivers who have gotten dangerous citations like DUI or reckless driving may be required to submit a SR-22 form with their state motor vehicle department in order to legally drive a vehicle.
• Save money by raising coverage deductibles – Coverage for physical damage, otherwise known as comp (or other than collision) and collision, is used to repair damage to your vehicle. Some instances where coverage would apply are colliding with a building, hitting a deer, and damage from a fallen tree branch. Comprehensive and collision coverage deductibles define how much the insured will be required to pay if a claim is determined to be covered. The higher the amount you choose to pay out-of-pocket, the less your auto insurance will be for Sienna coverage.

Find hidden discounts on insurance

Some providers do not list every discount they offer in a way that’s easy to find, so the list below gives a summary of a few of the more common and also the more inconspicuous credits that may apply to you.

• Low Mileage – Low mileage vehicles could qualify for better prices on cars that stay parked.
• Life Insurance – Select insurance carriers reward you with a discount if you purchase some life insurance in addition to your auto policy.
• Theft Prevention Discount – Cars and trucks equipped with tracking devices and advanced anti-theft systems are stolen with less frequency and earn discounts up to 10% off your auto insurance quote.
• Good Student – Being a good student may save you up to 25%. The discount lasts up until you turn 25.
• Discounts for Safe Drivers – Drivers without accidents can get discounts for up to 45% lower rates for Sienna coverage than drivers with accidents.
• Professional Organizations – Participating in certain professional organizations can get you a small discount on your next insurance statement.
• Drivers Ed for Students – Teen drivers should take driver’s ed class in high school.
• College Student Discount – College-age children who are enrolled in higher education away from home without a vehicle on campus may be insured at a cheaper rate.

Please keep in mind that some of the credits will not apply to all coverage premiums. Some only apply to specific coverage prices like medical payments or collision. Even though the math looks like it’s possible to get free car insurance, you’re out of luck.

A few popular companies and a summarized list of policyholder discounts are included below.

• Farm Bureau discounts include good student, safe driver, renewal discount, multi-policy, 55 and retired, and youthful driver.
• State Farm includes discounts for passive restraint, multiple autos, Steer Clear safe driver discount, multiple policy, and Drive Safe & Save.
• Progressive offers premium reductions for good student, online quote discount, multi-vehicle, multi-policy, and homeowner.
• Allstate may offer discounts for economy car, anti-lock brakes, premier plus, early signing, EZ pay plan discount, good student, and 55 and retired.
• Nationwide has savings for defensive driving, easy pay, Farm Bureau membership, anti-theft, accident-free, good student, and multi-policy.
• MetLife offers discounts for multi-policy, good student, good driver, accident-free, and claim-free.

If you want low cost auto insurance quotes, ask all companies you are considering which discounts you may be entitled to. Some discounts might not apply in your area. For a list of companies that have a full spectrum of discounts, click this link.

Tailor your insurance coverage to you

When it comes to choosing proper insurance coverage, there isn’t really a cookie cutter policy. Your needs are not the same as everyone else’s.

For instance, these questions might point out whether your personal situation may require specific advice.

• Is a blown tire covered by insurance?
• Can I drive in Mexico and have coverage?
• Should I file a claim if it’s only slightly more than my deductible?
• Who is covered when they drive my 2014 Toyota Sienna?
• I have a DUI can I still get coverage?
• Why am I be forced to buy a membership to get insurance from some companies?

If you don’t know the answers to these questions but you know they apply to you, you may need to chat with a licensed agent. If you want to speak to an agent in your area, take a second and complete this form. It is quick, free and may give you better protection.

Specific coverages for a 2014 Toyota Sienna

Understanding the coverages of insurance helps when choosing appropriate coverage for your vehicles. The terms used in a policy can be ambiguous and coverage can change by endorsement.

UM/UIM (Uninsured/Underinsured Motorist) coverage – Uninsured or Underinsured Motorist coverage protects you and your vehicle’s occupants when the “other guys” are uninsured or don’t have enough coverage. Covered losses include hospital bills for your injuries and also any damage incurred to your Toyota Sienna.

Due to the fact that many drivers have only the minimum liability required by law, it doesn’t take a major accident to exceed their coverage limits. That’s why carrying high Uninsured/Underinsured Motorist coverage should not be overlooked.

Collision coverages – Collision insurance pays for damage to your Sienna resulting from colliding with another car or object. You will need to pay your deductible then the remaining damage will be paid by your insurance company.

Collision coverage pays for claims like colliding with a tree, sustaining damage from a pot hole, sideswiping another vehicle, damaging your car on a curb and crashing into a ditch. Paying for collision coverage can be pricey, so analyze the benefit of dropping coverage from older vehicles. Another option is to raise the deductible in order to get cheaper collision rates.

Comprehensive auto coverage – This will pay to fix damage that is not covered by collision coverage. You need to pay your deductible first and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive insurance covers claims like falling objects, hitting a deer and rock chips in glass. The maximum payout you’ll receive from a claim is the market value of your vehicle, so if the vehicle’s value is low consider dropping full coverage.

Liability insurance – Liability insurance protects you from damage or injury you incur to other’s property or people. This coverage protects you from legal claims by others, and does not provide coverage for your own vehicle damage or injuries.

Liability coverage has three limits: bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You might see liability limits of 100/300/100 which stand for $100,000 in coverage for each person’s injuries, a limit of $300,000 in injury protection per accident, and a total limit of $100,000 for damage to vehicles and property.

Liability coverage pays for things like structural damage, attorney fees and repair bills for other people’s vehicles. How much liability should you purchase? That is your choice, but buy as much as you can afford.

Medical payments and PIP coverage – Medical payments and Personal Injury Protection insurance kick in for bills like chiropractic care, pain medications and hospital visits. They can be used to fill the gap from your health insurance program or if you do not have health coverage. Coverage applies to both the driver and occupants and will also cover if you are hit as a while walking down the street. PIP coverage is only offered in select states and gives slightly broader coverage than med pay

Be Smart and Buy Smart

Some insurance companies do not provide online quoting and usually these regional carriers work with independent agents. Cheaper insurance can be bought both online in addition to many insurance agents, so you should compare both in order to have the best price selection to choose from.

You just learned some good ideas how to reduce 2014 Toyota Sienna insurance prices online. It’s most important to understand that the more rate comparisons you have, the better chance you’ll have of finding low cost auto insurance. You may be surprised to find that the lowest prices come from an unexpected company.

Insureds leave their current company for many reasons like delays in paying claims, poor customer service, being labeled a high risk driver and questionable increases in premium. It doesn’t matter what your reason, finding a new company is not as difficult as it may seem.

Additional information can be found at these links:

• Rollover Crash FAQ (iihs.org)
• Teen Driving Statistics (Geico)
• Your Car has been Stolen: Now What? (Allstate)
• Tools for Teen Driving Safety (State Farm)