2015 Toyota Sienna Insurance Cost – 7 Discounts for Best Prices

Having to pay for pricey car insurance can stress out your budget and require stricter spending habits. Doing a rate analysis is recommended to make ends meet.

Because there are so many different company options, it can be impossible to choose the lowest cost insurance company.

Smart consumers take time to check car insurance prices quite often since insurance rates tend to go up over time. Even if you think you had the best deal for Sienna coverage on your last policy you will most likely find a better price today. Forget anything you know (or think you know) about car insurance because you’re going to learn how to quote online to save on car insurance.

Shopping for the best car insurance coverage is not that difficult. Basically, every vehicle owner who has to buy car insurance will most likely be able to find better rates. But vehicle owners do need to know how the larger insurance companies price insurance differently because it can help you find the best coverage.

How to buy insurance coverage online

All major insurance coverage companies provide pricing on the web. Obtaining pricing doesn’t take much effort as all you need to do is type in the coverages you want into the quote form. Once you submit the form, the quote system will order your credit score and driving record and generates a price. Online price quotes makes it simple to compare prices but the time required to go to multiple sites and type in the same data can be a bit tiresome and repetitive. But it’s very important to perform this step if you want to get a lower rate.

There is a better way!

The smarter way to lower your insurance coverage bill utilizes a single form that gets prices from a bunch of companies at once. The form is fast, reduces the work, and makes comparison shopping much more enjoyable and efficient. After your information is entered, your coverage is rated and you can choose your choice of the resulting price quotes.

If you find a better price it’s easy to complete the application and buy the policy. It only takes a few minutes and may result in a nice savings.

To use this form to compare rates, click here and begin entering your coverage information. If you have your current policy handy, we recommend that you enter your coverages as shown on your current policy. Using the same limits helps guarantee you’re receiving a price comparison based on similar coverages.

Insurance coverage companies offer lots of discounts

Insurance coverage is easily one of your largest bills, but you might be missing out on some discounts that you may not even know about. Certain reductions will be credited at the time you complete a quote, but some may not be applied and must be manually applied before you get the savings.

• Drive Less and Save – Driving fewer miles could be rewarded with substantially lower premium rates.
• Student Driver Training – Cut your cost by having your teen driver participate in a local driver’s education class in school.
• Active Military Service – Having a family member in the military may qualify for rate reductions.
• Safety Restraint Discount – Using a seat belt and requiring all passengers to use a seat belt can save up to 15% off PIP or medical payments premium.
• Federal Government Employee – Employees or retirees of the government may qualify for a discount when you quote insurance for Sienna coverage with a few insurance coverage companies.
• Discount for Multiple Policies – If you can bundle your home and auto insurance with one insurance company you may earn approximately 10% to 15%.
• Senior Citizens – If you qualify as a senior citizen, you can possibly qualify for a slight reduction on a insurance quote for Sienna coverage.

Just know that some of the credits will not apply to the overall cost of the policy. Most only reduce individual premiums such as physical damage coverage or medical payments. Despite the fact that it seems like it’s possible to get free car insurance, nobody gets a free ride. But any discount will lower the cost of your policy.

A list of companies and some of the discounts are detailed below.

• The Hartford includes discounts for good student, defensive driver, air bag, vehicle fuel type, driver training, and bundle.
• American Family may have discounts that include good student, multi-vehicle, bundled insurance, early bird, Steer into Savings, and defensive driver.
• Progressive policyholders can earn discounts including continuous coverage, multi-vehicle, online quote discount, multi-policy, and online signing.
• Travelers may offer discounts for new car, save driver, multi-car, student away at school, IntelliDrive, and driver training.
• Farmers Insurance may include discounts for switch companies, teen driver, business and professional, bundle discounts, multi-car, and alternative fuel.
• USAA has savings for defensive driver, multi-vehicle, new vehicle, driver training, and annual mileage.
• Liberty Mutual offers discounts including new move discount, new graduate, teen driver discount, newly married, and newly retired.

Before purchasing a policy, check with each insurance company the best way to save money. A few discounts may not be available in your area.

Do I just need basic coverages?

When it comes to buying the right insurance coverage, there really is no best way to insure your cars. Every insured’s situation is different so your insurance needs to address that. Here are some questions about coverages that might help in determining if your situation would benefit from an agent’s advice.

• Is my state a no-fault state?
• Why am I required to buy liability insurance?
• How can I force my company to pay a claim?
• Will my rates increase for filing one claim?
• Will filing a claim cost me more?
• Are split liability limits better than a combined single limit?
• What is the rate difference between pleasure use and commuting?
• Where can I find high-risk insurance?
• When should I remove comp and collision on my 2015 Toyota Sienna?
• Will my insurance pay for OEM parts?

If it’s difficult to answer those questions but you think they might apply to your situation, then you may want to think about talking to an agent. To find lower rates from a local agent, simply complete this short form or click here for a list of car insurance companies in your area.

The car insurance bait and switch

State Farm and Allstate regularly use television and radio advertisements. All the ads convey the message that you can save if you move your coverage to them. But how can every company cost less than your current company? It’s all in how they say it.

Insurance companies have specific characteristics for the type of driver that makes them money. An example of a driver they prefer may be over the age of 40, has never had a claim, and drives a safe vehicle. Someone that meets those criteria is entitled to the best price and will also save some money.

Potential customers who cannot meet this stringent profile must pay higher rates which usually ends up with the customer buying from a different company. The ads say “drivers that switch” not “everybody who quotes” can save as much as they claim. This is how insurance companies can confidently lure you into getting a quote.

This illustrates why you really need to get a wide range of price quotes. Because without a comparison, you cannot know which car insurance company will have the lowest prices for your situation.

Insurance coverages 101

Understanding the coverages of your insurance policy can help you determine which coverages you need and the correct deductibles and limits. The coverage terms in a policy can be confusing and reading a policy is terribly boring. Shown next are the normal coverages available from insurance companies.

Liability insurance – Liability insurance will cover damages or injuries you inflict on a person or their property that is your fault. It consists of three limits, per person bodily injury, per accident bodily injury, and a property damage limit. Your policy might show liability limits of 25/50/25 which means a $25,000 limit per person for injuries, a total of $50,000 of bodily injury coverage per accident, and property damage coverage for $25,000. Another option is a combined limit which combines the three limits into one amount and claims can be made without the split limit restrictions.

Liability insurance covers things such as pain and suffering, attorney fees and emergency aid. How much liability should you purchase? That is a personal decision, but consider buying as large an amount as possible.

Comprehensive protection – Comprehensive insurance pays to fix your vehicle from damage from a wide range of events other than collision. You first have to pay a deductible then your comprehensive coverage will pay.

Comprehensive coverage protects against things like falling objects, hail damage, damage from flooding and a broken windshield. The maximum payout a 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 expense coverage – Medical payments and Personal Injury Protection insurance kick in for short-term medical expenses for chiropractic care, hospital visits, surgery and pain medications. They are often used to fill the gap from your health insurance plan or if you do not have health coverage. It covers all vehicle occupants and will also cover any family member struck as a pedestrian. Personal Injury Protection is not available in all states but it provides additional coverages not offered by medical payments coverage

Collision coverages – This coverage covers damage to your Sienna resulting from a collision with another vehicle or an object, but not an animal. You have to pay a deductible and then insurance will cover the remainder.

Collision coverage protects against claims such as rolling your car, scraping a guard rail and driving through your garage door. Collision is rather expensive coverage, so you might think about dropping it from vehicles that are older. It’s also possible to choose a higher deductible in order to get cheaper collision rates.

Uninsured or underinsured coverage – Uninsured or Underinsured Motorist coverage protects you and your vehicle from other drivers when they either are underinsured or have no liability coverage at all. Covered claims include injuries sustained by your vehicle’s occupants and also any damage incurred to your Toyota Sienna.

Because many people only carry the minimum required liability limits, their limits can quickly be used up. So UM/UIM coverage should not be overlooked. Usually the UM/UIM limits are set the same as your liablity limits.

Shop. Compare. Save.

Some companies may not offer internet price quotes and these regional insurance providers provide coverage only through independent insurance agencies. Cheaper 2015 Toyota Sienna insurance can be sourced online in addition to many insurance agents, and you should compare price quotes from both to have the best rate selection.

As you go through the steps to switch your coverage, don’t be tempted to reduce needed coverages to save money. There have been many situations where consumers will sacrifice collision coverage only to discover later that the savings was not a smart move. Your goal is to purchase plenty of coverage at the best price, but do not sacrifice coverage to save money.

Other resources

• Keeping Children Safe in Crashes Video (iihs.org)
• Neck Injury FAQ (iihs.org)
• Understanding Rental Car Insurance (Insurance Information Insitute)
• Distracted Driving Statistics (Insurance Information Insitute)