2016 Toyota Sienna Insurance Quotes – 5 Tips for Best Rates

Did a good deal turn into high-priced auto insurance? Trust us when we tell you you’re not the only one. Due to the abundance of insurance companies to choose from, it can be challenging to choose the lowest price auto insurance company.

Consumers need to price shop coverage on a regular basis because auto insurance rates are usually higher with each renewal. Even if you got the best rate on Sienna coverage on your last policy you will most likely find a better price today. You can find a lot of wrong information about auto insurance on the web, but in a few minutes you can learn some excellent ideas to lower your auto insurance rates.

How to buy car insurance online

Most companies provide prices for coverage from their websites. Getting online rates is quite simple as you simply type in the amount of coverage you want on the page. After you complete the form, their rating system obtains credit information and your driving record and returns a price quote based on the information you submitted. Online quotes makes it a lot easier to compare rates but the time it takes to visit multiple sites and type in your information gets old quite quickly. But it’s also necessary to get many rate quotes in order to get the lowest possible prices on car insurance.

The better way to compare rates

The quickest way to find lower prices utilizes a single form that gets price quotes from a lot of companies. The form is fast, helps eliminate reptitive entry, and makes price shopping online much more enjoyable and efficient. As soon as you send your information, it is rated with multiple companies and you can pick any or none of the quote results.

If the quotes result in lower rates, it’s easy to complete the application and buy the policy. It takes less than 15 minutes and you will know how your current rates stack up.

If you want to compare rates now, simply click here to open in new window and fill out the form. If you have a policy now, it’s recommended you enter coverages and limits just like they are on your policy. This ensures you’re receiving a fair comparison for exact coverage.

Five discounts for cheaper insurance coverage rates

Some insurance providers do not advertise all possible discounts very well, so the list below details both the well known and the harder-to-find discounts you could be receiving when you buy insurance coverage online.

  • Accident Waiver – Not necessarily a discount, but a few companies such as Progressive, Allstate, and GEICO allow you one accident before your rates go up if you are claim-free prior to being involved in the accident.
  • Defensive Driver Discount – Taking a driver safety course could earn you a small percentage discount if your company offers it.
  • Paperwork-free – A handful of larger companies will provide an incentive for completing your application over the internet.
  • Braking Control Discount – Cars and trucks with anti-lock braking systems prevent accidents so companies give up to a 10% discount.
  • Smart Student Discounts – Performing well in school can be rewarded with saving of up to 25%. The discount lasts up to age 25.

As is typical with insurance, some of the credits will not apply to all coverage premiums. Most only reduce the price of certain insurance coverages like comprehensive or collision. So even though it sounds like having all the discounts means you get insurance for free, company stockholders wouldn’t be very happy. Any qualifying discounts should help lower your overall bill.

A few of the larger companies and some of their more popular discounts are included below.

  • State Farm may include discounts for driver’s education, Steer Clear safe driver discount, student away at school, accident-free, multiple autos, and multiple policy.
  • GEICO includes discounts for defensive driver, anti-theft, anti-lock brakes, emergency military deployment, daytime running lights, and seat belt use.
  • Allstate has discounts for premier plus, auto/life discount, defensive driver, economy car, EZ pay plan discount, teenSMART discount, and anti-lock brakes.
  • SAFECO offers premium reductions for teen safe driver, multi-car, drive less, anti-theft, bundle discounts, and safe driver.
  • Farm Bureau has savings for multi-vehicle, youthful driver, good student, multi-policy, and renewal discount.
  • Progressive policyholders can earn discounts including online signing, multi-policy, online quote discount, good student, and homeowner.
  • AAA discounts include multi-car, good driver, AAA membership discount, anti-theft, good student, and pay-in-full.

If you need lower rates, check with each company to give you their best rates. Savings might not apply everywhere. If you would like to choose from a list of insurance coverage companies with discount insurance coverage rates, click this link.

Tailor your insurance coverage to you

When buying adequate coverage, there is no perfect coverage plan. Every situation is different so your insurance should reflect that Here are some questions about coverages that might point out if you will benefit from professional help.

  • Am I better off with higher deductibles on my 2016 Toyota Sienna?
  • Does coverage extend to my business vehicle?
  • Should I buy additional glass protection?
  • Can I get a multi-policy discount?
  • How can I get high-risk coverage after a DUI?
  • Do I need more liability coverage?
  • Should I carry comprehensive and collision coverage?

If you’re not sure about those questions but you know they apply to you, then you may want to think about talking to a licensed agent. To find lower rates from a local agent, fill out this quick form or you can also visit this page to select a carrier It is quick, free and may give you better protection.

Auto insurance coverage information

Having a good grasp of car insurance can help you determine appropriate coverage and the correct deductibles and limits. The terms used in a policy can be confusing and coverage can change by endorsement. Listed below are the usual coverages found on the average car insurance policy.

Medical expense insurance

Medical payments and Personal Injury Protection insurance kick in for short-term medical expenses for things like surgery, hospital visits and pain medications. The coverages can be used in conjunction with a health insurance policy or if you lack health insurance entirely. They cover all vehicle occupants and also covers any family member struck as a pedestrian. PIP coverage is not available in all states but can be used in place of medical payments coverage

Comprehensive (Other than Collision)

Comprehensive insurance coverage pays to fix your vehicle from damage that is not covered by collision coverage. You first have to pay a deductible then your comprehensive coverage will pay.

Comprehensive insurance covers claims like vandalism, hitting a deer, hail damage, theft and damage from getting keyed. The highest amount you can receive from a comprehensive claim is the cash value of the vehicle, so if the vehicle’s value is low it’s not worth carrying full coverage.

Collision coverage protection

This coverage covers damage to your Sienna from colliding with another car or object. A deductible applies and then insurance will cover the remainder.

Collision coverage protects against claims such as sustaining damage from a pot hole, hitting a mailbox and colliding with a tree. This coverage can be expensive, so consider dropping it from older vehicles. You can also choose a higher deductible to save money on collision insurance.

Auto liability

This protects you from damages or injuries you inflict on people or other property by causing an accident. It consists of three limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. Your policy might show policy limits of 100/300/100 that translate to $100,000 bodily injury coverage, a per accident bodily injury limit of $300,000, and $100,000 of coverage for damaged propery. Alternatively, you may have one number which is a combined single limit which provides one coverage limit rather than limiting it on a per person basis.

Liability coverage protects against things like medical expenses, repair costs for stationary objects and attorney fees. The amount of liability coverage you purchase is a decision to put some thought into, but buy as large an amount as possible.

Protection from uninsured/underinsured drivers

Your UM/UIM coverage provides protection from other drivers when they do not carry enough liability coverage. Covered losses include hospital bills for your injuries and damage to your Toyota Sienna.

Due to the fact that many drivers only carry the minimum required liability limits, their liability coverage can quickly be exhausted. For this reason, having high UM/UIM coverages is very important. Usually the UM/UIM limits are similar to your liability insurance amounts.

Comments About 2016 Toyota Sienna Insurance

  1. Abel Acosta

    I’m in the suburbs of Minneapolis, MN. Got quotes with 21st Century, Auto-Owners, and Eastwood for my Sienna and cut my rates about $220 a year. You can get a rate quote online.

  2. Lorenza Horne

    21st Century was cheapest for my 2016 Toyota Sienna in Kansas City, KS.

  3. Jule Lowery

    I’m just east of Columbus, Georgia. Got car insurance quotes from Safeco, Esurance, State Farm, and American Family for my Sienna and I think I saved about $20 each month. I’m a pretty low risk driver.

  4. Rosalina Randall

    Where is cheaper car insurance? From Jacksonville, FL. Received rates from Amica, Mercury, and Travelers for my 2016 Toyota Sienna and cut my rates about $310 a year.

  5. Alma Snider

    Lifelong resident of Tulsa, OK. I got free quotes from State Farm, Hanover, and Esurance for my Sienna and saved $410 a year. I get multi-vehicle and multi-policy discounts.

  6. Glenn Hines

    Went with Hartford for my Toyota and cut my rates about $510 a year. I get multi-vehicle and multi-policy discounts. Did it all online.

  7. Emerald Grant

    If you have a clean record and live near Las Cruces, NM, check out GEICO. They seem to be cheaper. Was with Eastwood. My new agent seems to be really good. They have free quotes online.

  8. Clarice Buck

    Just a quick comment on my experience. Found cheapest coverage with Auto-Owners for my Sienna and am saving around $430 a year. Have an at-fault accident tho.

  9. Alvaro Lewis

    Good site, thanks. Lifelong resident of Aberdeen, SD. I quoted with Auto-Owners, Sentry, and a few others for my 2016 Toyota Sienna and I think I am saving around $60 each month. Just waiting to see how claims go.

  10. Salvador Clemons

    Here’s my info. Quoted with Eastwood for my Sienna and am saving around $340 a year.