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Toyota Tercel Insurance Rates

Comparing auto insurance by getting online quotes can be fast and easy and there is a good chance you may find lower rates. The most important part is to take the time to get rates from all companies so you can get the best prices.

If you've never shopped for auto insurance online, you can be overwhelmed by the hoards of companies selling insurance. Finding cheaper coverage prices can be relatively painless. Consumers just need to take the time to compare quotes provided by online insurance companies. This can be done by completing this short form.

Insurance premiums on a Toyota Tercel can vary widely depending on several factors. Some of these factors include:

  • Your vehicle's safety rating
  • Deductible amount directly impacts your rate
  • Being married may save money
  • Teenage and youthful drivers cost more to insure
  • How many accidents you have had
  • Your occupation
  • Policy lapses can result in a surcharge
  • Replacement cost of your vehicle

One important consideration that can impact your rates is the age of the vehicle. New vehicles have a higher value compared to older Toyota models so the cost to replace them can inflate annual premiums. Conversely, newer vehicles have more advanced features such as pedestrian detection, dual-stage airbags, a rollover prevention system, and automatic crash notification which can give discounted rates.

To get a better idea how rates are influenced for your specific model year, select the year of your vehicle below.

Liability - This coverage can cover damage that occurs to people or other property. Liability coverage pays for things like legal defense fees, bail bonds, and repair bills for other people's vehicles. Coverage is generally pretty cheap so buy higher limits if possible.

Collision coverage - This coverage covers damage to your Toyota resulting from a collision with another car or object. You will need to pay your deductible then your collision coverage will kick in. Collision coverage for your Tercel can be pricey, so you might think about dropping it from lower value vehicles. It's also possible to increase the deductible to bring the cost down.

Comprehensive or Other Than Collision - This coverage pays to fix your vehicle from damage OTHER than collision with another vehicle or object. A deductible will apply then your comprehensive coverage will pay. The maximum payout you'll receive from a claim is the ACV or actual cash value, so if the vehicle's value is low it's probably time to drop comprehensive insurance.

Uninsured or underinsured coverage - Your UM/UIM coverage protects you and your vehicle from other drivers when they either are underinsured or have no liability coverage at all. Because many people have only the minimum liability required by law, it doesn't take a major accident to exceed their coverage limits. So UM/UIM coverage is a good idea.

Medical costs insurance - Coverage for medical payments and/or PIP pay for short-term medical expenses like nursing services, prosthetic devices, and dental work. They are used in conjunction with a health insurance policy or if you do not have health coverage. Personal Injury Protection is not an option in every state but it provides additional coverages not offered by medical payments coverage.

How Much are Toyota Tercel Insurance Rates?

Popular U.S. Cities for Toyota Tercel Insurance

  • Jacksonville, FL
  • San Francisco, CA
  • Dallas, TX
  • Colorado Springs, CO
  • Atlanta, GA
  • Omaha, NE
  • Oklahoma City, OK
  • Fresno, CA
  • Virginia Beach, VA
  • New York, NY
  • Houston, TX
  • Oakland, CA
  • Denver, CO
  • Fort Worth, TX
  • Seattle, WA