Compare 2014 Toyota Yaris Insurance Rates

Purchasing more affordable car insurance over the internet can seem to be problematic for people not familiar with comparing rates online. Because there are so many insurers to choose from, how are people expected to even start to compare all the different companies and get the best pricing?

This article will introduce you to how to effectively get price quotes and some tricks to saving. If you currently have car insurance, you will be able to save some money using this strategy. Although vehicle owners need to have an understanding of the methods companies use to determine prices and use this information to your advantage.

Get lower-cost car insurance with discounts

Buying car insurance is not cheap, but you may find discounts that can drop the cost substantially. Some trigger automatically at quote time, but a few need to be specially asked for before they will apply.

  • Multi-Vehicle Discounts – Buying insurance for multiple cars or trucks with the same car insurance company can get a discount for every vehicle.
  • Paperwork-free – Some car insurance companies will give a small break for buying a policy and signing up on your computer.
  • Discounts for Cautious Drivers – Drivers who don’t get into accidents can pay as much as 50% less for Yaris insurance than drivers with accident claims.
  • Senior Citizens – Seniors may qualify for a small discount on rates for Yaris insurance.
  • Discount for Multiple Policies – When you have multiple policies with one company you will save at least 10% off all policies.
  • Accident Forgiveness – This one is not really a discount per se, but a few companies such as GEICO and Liberty Mutual permit an accident without the usual rate increase if you have no claims prior to the accident.
  • Government Employee Discount – Being employed by or retired from a federal job may reduce rates when you quote car insurance for Yaris insurance with certain companies.
  • Renewal Discounts – Some larger companies provide a discount for switching companies prior to the expiration date on your current policy. You could save around 10% when you buy car insurance online.
  • Student Discounts – Being a good student could provide a savings of up to 20% or more. Many companies even apply the discount to college students until age 25.

Discounts lower rates, but most credits do not apply to all coverage premiums. Some only apply to individual premiums such as collision or personal injury protection. So even though it sounds like all the discounts add up to a free policy, nobody gets a free ride.

Large car insurance companies and some of the premium reductions they offer are:

  • Progressive offers discounts including continuous coverage, multi-vehicle, online quote discount, good student, multi-policy, online signing, and homeowner.
  • AAA may include discounts for AAA membership discount, multi-car, anti-theft, multi-policy, and good student.
  • Farmers Insurance policyholders can earn discounts including electronic funds transfer, good student, youthful driver, homeowner, distant student, and teen driver.
  • GEICO offers premium reductions for air bags, driver training, daytime running lights, emergency military deployment, defensive driver, and anti-theft.
  • Esurance discounts include claim free, multi-policy, online shopper, good driver, and online quote.
  • SAFECO includes discounts for teen safe driver, bundle discounts, anti-lock brakes, homeowner, accident prevention training, and multi-car.
  • State Farm has savings for Drive Safe & Save, safe vehicle, defensive driving training, multiple autos, multiple policy, and student away at school.

If you need inexpensive car insurance quotes, ask each insurance company what discounts are available to you. Some of the discounts discussed earlier might not be offered on policies in your area.

Tailor your auto insurance coverage to you

When choosing the best auto insurance coverage, there really is not a perfect coverage plan. Every situation is different.

For instance, these questions might point out whether you may require specific advice.

  • What if I don’t agree with a claim settlement offer?
  • Are my tools covered if they get stolen from my vehicle?
  • What happens if I owe more than my 2014 Toyota Yaris is worth?
  • Can I pay claims out-of-pocket if I buy high deductibles?
  • Do I need roadside assistance coverage?
  • Does my policy cover me when driving someone else’s vehicle?
  • Does my insurance cover my expensive audio equipment?
  • Am I covered by my spouse’s policy after a separation?
  • Am I covered if my car is in a flood?

If you can’t answer these questions but one or more may apply to you, you may need to chat with a licensed agent. To find lower rates from a local agent, simply complete this short form.

Parts of your car insurance policy

Knowing the specifics of a car insurance policy helps when choosing which coverages you need at the best deductibles and correct limits. The coverage terms in a policy can be difficult to understand and reading a policy is terribly boring.

Coverage for medical payments

Coverage for medical payments and/or PIP kick in for short-term medical expenses for things like surgery, dental work and funeral costs. They are used to cover expenses not covered by your health insurance plan or if you lack health insurance entirely. They cover all vehicle occupants in addition to being hit by a car walking across the street. Personal Injury Protection is not universally available but it provides additional coverages not offered by medical payments coverage

Collision coverage

This coverage covers damage to your Yaris resulting from colliding with a stationary object or other vehicle. A deductible applies and then insurance will cover the remainder.

Collision can pay for things such as backing into a parked car, damaging your car on a curb, colliding with a tree, scraping a guard rail and hitting a parking meter. Collision is rather expensive coverage, so consider dropping it from older vehicles. Another option is to raise the deductible to bring the cost down.

Comprehensive coverages

Comprehensive insurance coverage covers damage that is not covered by collision coverage. A deductible will apply then your comprehensive coverage will pay.

Comprehensive coverage protects against things such as falling objects, hail damage, rock chips in glass and a tree branch falling on your vehicle. The maximum amount your car insurance company will pay is the ACV or actual cash value, so if your deductible is as high as the vehicle’s value consider dropping full coverage.

Coverage for liability

Liability insurance can cover injuries or damage you cause to people or other property. This insurance protects YOU from claims by other people. Liability doesn’t cover damage sustained by your vehicle in an accident.

It consists of three limits, per person bodily injury, per accident bodily injury, and a property damage limit. You commonly see values of 50/100/50 which means $50,000 bodily injury coverage, $100,000 for the entire accident, and $50,000 of coverage for damaged propery. Occasionally you may see one number which is a combined single limit which combines the three limits into one amount with no separate limits for injury or property damage.

Liability coverage protects against claims like legal defense fees, medical services, pain and suffering, structural damage and attorney fees. How much liability should you purchase? That is a personal decision, but you should buy as much as you can afford.

Uninsured and underinsured coverage

This provides protection from other drivers when they either have no liability insurance or not enough. Covered losses include injuries to you and your family and also any damage incurred to your Toyota Yaris.

Since many drivers only carry the minimum required liability limits, their limits can quickly be used up. That’s why carrying high Uninsured/Underinsured Motorist coverage is very important. Frequently the UM/UIM limits do not exceed the liability coverage limits.

Saving money makes a lot of cents

More affordable car insurance is possible from both online companies in addition to local insurance agencies, and you should be comparing both so you have a total pricing picture. There are still a few companies who don’t offer price quotes online and many times these small, regional companies only sell through independent agencies.

You just read a lot of ways to lower your 2014 Toyota Yaris insurance auto insurance rates. It’s most important to understand that the more providers you compare, the more likely it is that you will get a better rate. You may even find the lowest auto insurance rates come from some of the smallest insurance companies.

Insureds leave their current company for a variety of reasons including unfair underwriting practices, high rates after DUI convictions, an unsatisfactory settlement offer or poor customer service. No matter why you want to switch, switching car insurance companies is not as hard as you think.

Additional detailed information is located in the articles below:

Comments About 2014 Toyota Yaris Insurance

  1. Glynis Church

    I found pretty cheap rate quotes for a 2014 Toyota Yaris in Omaha, Nebraska. Ended up at roughly $520 every six months with American Family. Insured with Nationwide before. I have several vehicles insured with them.

  2. Dale England

    From Rutland, VT. Received quotes from Allstate, AIG Insurance, and Erie for my 2014 Toyota Yaris and I’m now saving $16 a month. Left MetLife to switch. Got better coverage too. Did it all online.

  3. Alexis Mcbride

    Cheap is not always the best policy. Lifelong resident of Indianapolis, Indiana. Received rates from AAA, Nationwide, and a few others for my Yaris and saved $577 a year.

  4. Lyle Humphrey

    If you have a good history and are close to Grand Forks, ND, check out 21st Century. You might get cheaper rates. They were helpful in switching over.

  5. Ursula Wells

    Cheap car insurance? What’s that? From Sioux Falls, South Dakota. I got free prices from Mercury, Eastwood, Progressive, and Auto-Owners for my 2014 Toyota Yaris and saved just over $450 a year. BTW speeding tickets are not good. LOL

  6. Carli Tate

    Corporate greed I’m telling you. Lifelong resident of Montgomery, Alabama. I quoted with Hanover, AAA, Nationwide, and a couple others for my Toyota and saved just over $490 a year. I have kids on my policy, too. I just quoted rates online.

  7. Cameron Hubbard

    Here’s my quote info. I’m from Los Angeles, CA. Quoted with Progressive, AAA, and some I forget for my Yaris and saved about $310 a year. Ask about discounts.

  8. Christy Blevins

    I’m in the suburbs of Seattle, WA. Got prices from Hanover, AAA, Mercury, and a couple others for my Yaris and saved just over $90 a year. I’m a pretty low risk driver. You can get a rate quote online.

  9. Karisa Mcclure

    I live on the west side of Green Bay, WI. Quoted rates from 21st Century, The General, and Encompass for my Toyota and I’m now saving $58 a month. I used their online quote form to compare rates.

  10. Deloise Rodriguez

    Good site, thanks. Found cheapest coverage with State Farm for my Yaris and saved about $350 a year. Insured with State Farm before. Thankfully I have a good driving record.

  11. Mellissa Chaney

    From northwest of Spokane, Washington. I compared lots of rates. Saved darn near $40 a month. Progressive was the most affordable for me. Left Nationwide to switch. My new agent seems to be really good.

  12. Lauralee Delgado

    Is GEICO or Encompass cheap in Tampa, FL?

  13. Brendon Long

    Corporate greed I’m telling you. I’m just west of Chicago, IL. Received quotes with Mercury, Encompass, 21st Century, and AIG Insurance for my 2014 Toyota Yaris and saved $532 a year.

  14. Magdalene Beck

    I got decent rates for a 2014 Toyota Yaris in Green Bay, WI. Ended up at right around $430 every six months with AIG Insurance. BTW speeding tickets are not good. Hardly afford to drive anymore.