How Much Does 1998 Toyota Avalon Insurance Cost?

Drivers have lots of choices when trying to find affordable Toyota Avalon insurance. They can either waste time driving around getting price quotes or save time using the internet to make rate comparisons.

There are more efficient ways to shop for insurance and you need to know the absolute fastest way to quote coverages for a new or used Toyota and locate the best price possible from both online companies and local agents.

You need to get comparison quotes on a regular basis due to the fact that insurance rates are usually higher with each renewal. Even if you got the lowest rate for Avalon coverage on your last policy there is a good chance you can find better prices now. There are a lot of ways to save on insurance on the internet, but I’m going to show you some guaranteed methods to reduce your insurance bill.

The Toyota Avalon insurance price equation

Many factors are taken into consideration when you get your auto insurance bill. Some of the criteria are obvious such as traffic violations, but other criteria are not quite as obvious like your vehicle usage or your commute time.

• Your address can push rates up or down – Being located in areas with lower population has definite advantages when shopping for auto insurance. Residents of big cities tend to have congested traffic and longer commutes to work. Less people living in that area means fewer accidents and a lower car theft rate.
• Buy as much liability coverage as you can afford – The liability section of your policy provides coverage if a jury decides you are liable for physical damage or personal injury to other. Your policy’s liability insurance provides legal defense coverage to defend your case. Liability insurance is pretty cheap compared to other policy coverages, so drivers should make sure they buy enough to cover all assets.
• Insure your auto and home with one company – Many insurers provide discounts for people that have more than one policy such as combining an auto and homeowners policy. Even if you’re getting this discount it’s in your best interest to shop around to help ensure you have the lowest rates.There is a chance you can save even more by buying insurance from more than one company.
• Cars with good safety ratings mean better auto insurance rates – Cars with five star safety ratings tend to have lower insurance rates. Safer cars have better occupant injury protection and any reduction in injury severity translates into fewer and smaller insurance claims passed on to you as lower rates.
• Save money by staying claim free – Insurance companies provide the lowest premiums to policyholders who file claims infrequently. If you file a lot of claims you can expect either policy cancellation or increased premiums. Your car insurance is designed for the large, substantial claims.
• Continuous coverage lowers premiums – Driving your car without having proper coverage is a big no-no and as a result your rates will increase for letting your insurance lapse for non-payment. In addition to paying higher rates, the inability to provide proof of insurance might get you a steep fine or even jail time. You may then be required to file a SR-22 with your state DMV.
• Pay more by driving carelessly – Even a single moving violation can increase rates forty percent or more. Good drivers get better rates as compared to those with violations. Drivers who have received serious tickets such as hit and run, DWI or reckless driving convictions are required to prove financial responsibility to the state department of motor vehicles in order to prevent a license revocation.
• Prices for men may be higher – Over time, data shows that females tend to be a little less risky than males. Now that doesn’t mean women are better drivers. Males and females get in at-fault accidents at about the same rate, but guys tend to have higher claims. In addition to higher claims, males also get more serious tickets like DWI (DUI) or reckless driving. Male drivers age 16 to 19 generally have the highest accident percentage and are penalized with high auto insurance rates.

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Auto insurance policy discounts

Car insurance companies don’t list every available discount very well, so we researched some of the best known and the harder-to-find discounts that you can inquire about if you buy auto insurance online.

• Low Mileage Discounts – Driving fewer miles may enable drivers to earn cheaper premium rates.
• Save with a New Car – Buying coverage on a new vehicle is cheaper compared to insuring an older model.
• Discounts for Government Workers – Simply working for the federal government can earn a discount up to 10% for Avalon coverage depending on your company.
• Telematics Devices – Drivers who agree to allow their auto insurance company to monitor driving manner by using a telematics device in their vehicle such as State Farm’s In-Drive might get better premium rates if they have good driving habits.
• Discounts for Multiple Vehicles – Having several vehicles on the same auto insurance policy qualifies for this discount.
• Distant College Student Discount – Any of your kids who are enrolled in a college that is more than 100 miles from home and leave their car at home can receive lower rates.
• Online Discount – A few companies give back up to $50 simply for signing online.

As a disclaimer on discounts, most discount credits are not given to the entire policy premium. Most only apply to the price of certain insurance coverages like comprehensive or collision. Despite the appearance that all the discounts add up to a free policy, company stockholders wouldn’t be very happy.

Popular auto insurance companies and the discounts they provide are included below.

• Farmers Insurance policyholders can earn discounts including early shopping, multi-car, pay in full, switch companies, good student, and alternative fuel.
• Esurance has savings for Pac-12 alumni, DriveSense, emergency road assistance, online quote, claim free, anti-theft, and paid-in-full.
• State Farm may have discounts that include good driver, Steer Clear safe driver discount, driver’s education, safe vehicle, and defensive driving training.
• Geico offers premium reductions for good student, membership and employees, anti-theft, driver training, emergency military deployment, military active duty, and five-year accident-free.
• Allstate may offer discounts for EZ pay plan discount, senior citizen, eSmart discount, multi-policy, FullPay discount, farm vehicle, and defensive driver.

Before buying, ask each insurance company which discounts you may be entitled to. Some of the earlier mentioned discounts may not apply to policies in your state. For a list of auto insurance companies who offer online auto insurance quotes, follow this link.

Car insurance advertising gotchas

Drivers get pounded daily by advertisements that promise big savings by Allstate, Geico and Progressive. All the ads make the point about savings if you move to them.

That’s great but how can every company save you money? This is the way they can do it.

Many companies give the best rates for the type of driver that is profitable for them. For example, this type of insured might be between 25 and 40, has no tickets, and has excellent credit. Any new insured that matches those criteria will probably get the lowest rates and therefore will save if they switch.

Potential customers who are not a match for the “perfect” profile will probably have to pay higher prices and this results in business not being written. The ads state “drivers that switch” not “everyone that quotes” save money. This is how insurance companies can confidently make it sound like they have such great premium rates.

That is why you really need to do a price quote comparison at every renewal. It’s impossible to know which car insurance company will have the best auto insurance rates.

How do I know if I need professional advice?

When it comes to choosing adequate coverage for your personal vehicles, there isn’t really a perfect coverage plan. Your needs are not the same as everyone else’s.

For example, these questions might point out if you will benefit from professional help.

• Do I pay less for low miles?
• Does my policy pay for OEM or aftermarket parts?
• How can I force my company to pay a claim?
• Does my policy cover me when driving someone else’s vehicle?
• Do I need roadside assistance coverage?
• Can I rent a car in Mexico?
• Why is insurance for a teen driver so high?
• Should I file a claim if it’s only slightly more than my deductible?
• Why do I need rental car insurance?

If it’s difficult to answer those questions but you think they might apply to your situation, you may need to chat with an insurance agent. To find lower rates from a local agent, take a second and complete this form. It is quick, free and can help protect your family.

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Insurance specifics

Knowing the specifics of your policy aids in choosing the best coverages for your vehicles. The coverage terms in a policy can be ambiguous and nobody wants to actually read their policy.

Comprehensive (Other than Collision)

This pays to fix your vehicle from damage caused by mother nature, theft, vandalism and other events. A deductible will apply and then insurance will cover the rest of the damage.

Comprehensive can pay for claims like hitting a deer, damage from a tornado or hurricane, fire damage and a broken windshield. The highest amount you can receive from a comprehensive claim is the actual cash value, so if it’s not worth much more than your deductible it’s not worth carrying full coverage.

Protection from uninsured/underinsured drivers

Uninsured or Underinsured Motorist coverage provides protection when the “other guys” either are underinsured or have no liability coverage at all. This coverage pays for hospital bills for your injuries as well as damage to your 1998 Toyota Avalon.

Because many people carry very low liability coverage limits, their limits can quickly be used up. So UM/UIM coverage is important protection for you and your family. Most of the time these coverages do not exceed the liability coverage limits.

Auto liability insurance

Liability coverage provides protection from damages or injuries you inflict on people or other property in an accident. It protects YOU against claims from other people, and doesn’t cover your own vehicle damage or injuries.

Coverage consists of three different limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You might see policy limits of 25/50/25 which means a $25,000 limit per person for injuries, $50,000 for the entire accident, and $25,000 of coverage for damaged propery. Alternatively, you may have one number which is a combined single limit which provides one coverage limit with no separate limits for injury or property damage.

Liability coverage pays for claims such as funeral expenses, medical services, loss of income and emergency aid. How much liability coverage do you need? That is a personal decision, but it’s cheap coverage so purchase as high a limit as you can afford.

Collision coverage

This pays for damage to your Avalon from colliding with a stationary object or other vehicle. You have to pay a deductible then the remaining damage will be paid by your insurance company.

Collision coverage pays for things like sideswiping another vehicle, colliding with a tree, scraping a guard rail and rolling your car. Collision coverage makes up a good portion of your premium, so analyze the benefit of dropping coverage from older vehicles. It’s also possible to bump up the deductible to get cheaper collision coverage.

Medical expense insurance

Personal Injury Protection (PIP) and medical payments coverage pay for expenses like pain medications, nursing services, X-ray expenses, funeral costs and surgery. The coverages can be utilized in addition to your health insurance program or if you lack health insurance entirely. Coverage applies to you and your occupants and will also cover any family member struck as a pedestrian. PIP coverage is not universally available and gives slightly broader coverage than med pay

Make a quick buck

Budget-friendly insurance coverage is definitely available online and from local insurance agents, and you should compare price quotes from both to have the best rate selection. Some companies do not offer online quoting and most of the time these regional carriers provide coverage only through independent agents.

As you go through the steps to switch your coverage, it’s a bad idea to reduce coverage to reduce premium. There are too many instances where an insured cut uninsured motorist or liability limits and found out when filing a claim that the small savings ended up costing them much more. The goal is to get the best coverage possible at the lowest possible cost and still be able to protect your assets.

Consumers who switch companies do it for a variety of reasons including policy cancellation, being labeled a high risk driver, extreme rates for teen drivers and an unsatisfactory settlement offer. Whatever your reason, switching insurance coverage companies is pretty easy and you might even save some money in the process.

Additional information can be read below:

• A Tree Fell on Your Car: Now What? (Allstate)
• What is Full Coverage? (Allstate)
• Child Safety FAQ (iihs.org)
• Tread Depth and Tire Safety (State Farm)
• Avoiding Deer Collisions (Insurance Information Insitute)

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