Save on 1999 Toyota Corolla Car Insurance Rates

Have you had enough of scraping the payment together to pay insurance each month? You have the same problem as the majority of other vehicle owners. Having so many insurance providers from which to choose, it is hard for the average consumer to pick the right insurer.

Compare auto insurance quotes

There are several ways to compare auto insurance prices but some are more efficient than others. You can spend countless hours talking about coverages with local insurance agents in your area, or you can utilize the internet to maximize your effort.

Many of the larger companies take part in a program that enables customers to enter their policy data once, and each company then returns a price quote based on that data. This eliminates the need for form submissions for every auto insurance company.

To find out what other companies charge click here to open in new window.

One minor caviat to using this type of form is that consumers can’t choose which companies to get quotes from. So if you prefer to choose specific insurance companies to compare rates, we have a page of low cost auto insurance companies in your area. Click here for list of insurance companies.

Compare rates however you want, just be sure you’re using nearly identical deductibles and coverage limits for every quote you compare. If the quotes have different values for each quote it’s impossible to make an equal comparison.

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Will you really save $396 on insurance coverage?

Consumers can’t get away from ads that claim the best prices from companies such as Progressive, Geico, Allstate and State Farm. They all seem to advertise claims about how much you will save if you get a free insurance quote and switch your insurance coverage coverage to their company.

How is it plausible that every one can sell you cheaper insurance coverage?

Insurance companies have specific guidelines for the right customer that will not have excessive claims. One example of a profitable customer should be between the ages of 30 and 50, carries full coverage, and drives a safe vehicle. Any person who fits those characteristics may get the lowest car insurance rates and is almost guaranteed to save some money.

Potential customers who do not meet this stringent profile will be quoted higher prices and the customer buying from a different company. If you pay attention, the ads say “customers that switch” not “everyone who quotes” save that much money. That’s the way companies can advertise the way they do. Because of this risk profiling, it’s extremely important to do a quote comparison often. It’s just too difficult to predict with any certainty which company will provide the lowest rates.

Informed drivers save more

Consumers need to have an understanding of some of the things that are used to determine the level of your policy premiums. If you know what determines base rates, this allows you to make educated decisions that could help you find better auto insurance rates.

The items below are a few of the “ingredients” that factor into prices.

• Liability limits should be high – Your policy’s liability coverage provides coverage if ever a jury decides you are liable for damages from an accident. It provides legal defense coverage which can be incredibly expensive. Carrying liability coverage is mandatory and cheap compared to insuring for physical damage coverage, so do not skimp.
• Traffic violations can increase prices – Even one driving citation may cause rates to rise forty percent or more. Careful drivers tend to pay less for car insurance as compared to careless drivers. Drivers who get serious violations like reckless driving, hit and run or driving under the influence may need to file a proof of financial responsibility form (SR-22) with their state’s department of motor vehicles in order to drive a vehicle legally.
• Auto insurance rates and age – Older, more experienced drivers are more cautious drivers, statistically cause fewer accidents and receive fewer citations.Young drivers are known to be more careless with other occupants in the car so auto insurance rates are higher.
• How many miles do you drive? – The more you drive your Toyota in a year’s time the more you’ll pay to insure your vehicle. Most insurance companies price each vehicle’s coverage based upon how much you drive. Cars that are left in the garage receive lower rates than those used for commuting. Having the wrong rating on your Corolla may be costing you higher rates. It’s always a good idea to double check that your auto insurance policy states the correct driver usage.
• Get better rates if married – Being married can get you a discount compared to being single. Having a significant other may mean you are less irresponsible and it’s proven that being married results in fewer claims.
• Deter vehicle theft – Choosing a vehicle with anti-theft technology or alarm system can help bring down rates. Theft prevention features such as tamper alarm systems, vehicle immobilizer technology and General Motors OnStar can thwart vehicle theft.
• Safer vehicles lower prices – Vehicles with good safety scores tend to be cheaper to insure. Safe vehicles reduce occupant injuries and any reduction in injury severity means less money paid by your insurance company and more competitive rates for policyholders.

Get cheaper insurance coverage rates with discounts

Insurance can cost an arm and a leg, but you can get discounts to cut the cost considerably. Certain credits will be shown when you purchase, but some need to be asked about in order for you to get them.

• Theft Deterent Discount – Vehicles that have factory alarm systems and tracking devices have a lower chance of being stolen and can earn a small discount on your policy.
• Own a Home – Just being a homeowner can save you money due to the fact that maintaining a home is proof of financial responsibility.
• Save with More Vehicles Insured – Having all your vehicles with one company can reduce the rates for all insured vehicles.
• Distant Student Discount – who are enrolled in a college that is more than 100 miles from home and do not have access to a covered vehicle can be insured at a reduced rate.
• No Accidents – Insureds with no claims or accidents pay much less in comparison with bad drivers.
• Discounts for Federal Employees – Simply working for the federal government may reduce rates when you quote insurance for Corolla insurance with select insurance companies.
• Fewer Miles Equal More Savings – Driving less could qualify for substantially lower prices.
• Switch and Save Discount – A few companies allow discounts for buying a policy prior to the expiration date on your current policy. The savings is around 10%.
• Good Student – Maintaining excellent grades may save you up to 25%. You can use this discount normally up until you turn 25.

Don’t be shocked that most discounts do not apply the the whole policy. Most only cut individual premiums such as comprehensive or collision. So even though you would think all those discounts means the company will pay you, you won’t be that lucky.

A list of insurance coverage companies and a summarized list of policyholder discounts are:

• Geico has discounts for daytime running lights, anti-theft, driver training, membership and employees, good student, seat belt use, and multi-vehicle.
• SAFECO offers discounts for anti-theft, bundle discounts, multi-car, homeowner, teen safety rewards, teen safe driver, and anti-lock brakes.
• State Farm includes discounts for accident-free, safe vehicle, Steer Clear safe driver discount, good student, Drive Safe & Save, and multiple autos.
• MetLife may include discounts for claim-free, accident-free, good student, defensive driver, good driver, multi-policy
• 21st Century offers discounts including early bird, theft prevention, defensive driver, good student, and air bags.
• Progressive may have discounts that include multi-vehicle, homeowner, continuous coverage, multi-policy, online quote discount, good student, and online signing.

Before purchasing a policy, check with every company how many discounts you can get. Some of the discounts discussed earlier may not be available in every state.

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Tailor your insurance coverage to you

When it comes to buying proper insurance coverage, there really is no cookie cutter policy. Every insured’s situation is different so this has to be addressed. For instance, these questions may help highlight whether or not you may require specific advice.

• Do I need PIP (personal injury protection) coverage in my state?
• Am I missing any policy discounts?
• Is my 1999 Toyota Corolla covered for flood damage?
• Am I covered if my car is in a flood?
• Am I covered if I hit my neighbor’s mailbox?
• What if I total my 1999 Toyota Corolla and owe more than it’s worth?

If it’s difficult to answer those questions but one or more may apply to you then you might want to talk to an insurance agent. To find an agent in your area, take a second and complete this form or go to this page to view a list of companies. It only takes a few minutes and may give you better protection.

Detailed coverages of your insurance policy

Learning about specific coverages of insurance can help you determine the best coverages and the correct deductibles and limits. The terms used in a policy can be difficult to understand and nobody wants to actually read their policy. Shown next are typical coverage types offered by insurance companies.

Medical payments coverage and PIP

Coverage for medical payments and/or PIP reimburse you for expenses like EMT expenses, chiropractic care, nursing services, X-ray expenses and funeral costs. The coverages can be used to cover expenses not covered by your health insurance program or if you are not covered by health insurance. Medical payments and PIP cover all vehicle occupants in addition to being hit by a car walking across the street. PIP coverage is not available in all states and may carry a deductible

Collision coverage

Collision insurance covers damage to your Corolla caused by collision with a stationary object or other vehicle. You have to pay a deductible and then insurance will cover the remainder.

Collision coverage pays for claims such as sideswiping another vehicle, damaging your car on a curb, rolling your car and crashing into a ditch. Collision coverage makes up a good portion of your premium, so consider removing coverage from vehicles that are 8 years or older. It’s also possible to raise the deductible in order to get cheaper collision rates.

Liability coverage

This coverage protects you from damages or injuries you inflict on other’s property or people that is your fault. It protects you from claims by other people, and does not provide coverage for damage sustained by your vehicle in an accident.

Split limit liability has three limits of coverage: per person bodily injury, per accident bodily injury, and a property damage limit. Your policy might show liability limits of 100/300/100 that means you have a $100,000 limit per person for injuries, $300,000 for the entire accident, and property damage coverage for $100,000.

Liability coverage protects against claims like funeral expenses, repair costs for stationary objects and pain and suffering. The amount of liability coverage you purchase is a decision to put some thought into, but you should buy as large an amount as possible.

Comprehensive coverage

Comprehensive insurance will pay to fix damage caused by mother nature, theft, vandalism and other events. You need to pay your deductible first then the remaining damage will be covered by your comprehensive coverage.

Comprehensive insurance covers things such as damage from getting keyed, falling objects, fire damage, theft and hitting a bird. The maximum payout a insurance company will pay at claim time is the market value of your vehicle, so if your deductible is as high as the vehicle’s value it’s probably time to drop comprehensive insurance.

Uninsured/Underinsured Motorist coverage

This provides protection from other drivers when they do not carry enough liability coverage. This coverage pays for hospital bills for your injuries and damage to your Toyota Corolla.

Because many people only purchase the least amount of liability that is required, their liability coverage can quickly be exhausted. So UM/UIM coverage is a good idea.

Do the work, save more money

Budget-friendly auto insurance is possible from both online companies as well as from insurance agents, so you need to shop insurance with both in order to have the best price selection to choose from. Some auto insurance companies do not offer rate quotes online and most of the time these small insurance companies sell through independent agencies.

When searching for the cheapest insurance quotes, don’t be tempted to sacrifice coverage to reduce premiums. There are a lot of situations where an insured dropped full coverage only to regret at claim time that they should have had better coverage. Your goal should be to buy the best coverage you can find for the lowest price.

More tips and info about auto insurance can be found at these sites:

• Understanding your Policy (NAIC.org)
• Who Has Cheap Car Insurance Quotes for a Toyota Corolla in Newark? (NewarkInsure.com)
• What Auto Insurance is Cheapest for a Toyota Corolla in Fresno? (InsureFresno.com)
• Credit and Insurance Scores (Insurance Information Insitute)
• Driving in Bad Weather (Insurance Information Insitute)
• Keeping Children Safe in Crashes Video (iihs.org)
• Neck Injury FAQ (iihs.org)
• Distracted Driving Statistics (Insurance Information Insitute)

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