Lower Your 2003 Toyota Avalon Car Insurance Cost

Looking for cheaper auto insurance rates for your Toyota Avalon? No one in their right mind looks forward to buying auto insurance, especially knowing the price is too high. There are many insurers to choose from, and although it’s nice to be able to choose, more options can take longer to compare rates.

How to lower your car insurance cost

There are a variety of methods to shop for car insurance, but there is one way that is more efficient than others. You can spend countless hours talking about coverages with agents in your area, or you could save time and use online quotes to accomplish the same thing much quicker.

Most of the best insurance companies belong to an insurance system where prospective buyers enter their policy data once, and each company returns a competitive quote for coverage. This system prevents you from having to do quotation requests for each company you want a rate for.

To use this form to compare rates click here (opens in new window).

One minor caviat to pricing coverage this way is that you can’t choose which companies to get quotes from. If you prefer to choose from a list of companies to receive pricing from, we put together a list of the cheapest car insurance companies in your area. View list of insurance companies.

It doesn’t matter which method you choose, just be sure to compare equivalent quote data on every quote you get. If you have different coverage information you will not be able to decipher which rate is best.

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Earn discounts to get lower-cost auto insurance quotes

The price of auto insurance can be rather high, but there could be available discounts that many consumers don’t even know exist. Many of these discounts will be applied automatically at the time of purchase, but a few must be asked for before you will receive the discount.

• Resident Student – Older children who attend college more than 100 miles from home and do not have a car can receive lower rates.
• Save with More Vehicles Insured – Buying a policy with multiple cars or trucks on one policy can get a discount on all vehicles.
• Online Discount – Some of the larger companies may give you up to $50 simply for signing over the internet.
• Drivers Ed for Students – Have your child enroll in driver’s education if it’s offered in school.
• No Accidents – Drivers who stay claim-free are rewarded with significantly better rates on auto insurance quote as compared to drivers with a long claim history.
• Early Payment Discounts – If paying your policy premium upfront rather than spreading payments over time you can avoid the installment charge.
• Theft Prevention Discount – Vehicles that have factory alarm systems and tracking devices prevent vehicle theft and earn discounts up to 10% off your auto insurance quote.
• Telematics Devices – Drivers who agree to allow data collection to spy on when and where they use their vehicle by using a small device installed in their vehicle such as Drivewise from Allstate or Snapshot from Progressive may see discounts if they exhibit good driving behavior.

We need to note that most discount credits are not given to the entire policy premium. Most only apply to the cost of specific coverages such as liability, collision or medical payments. So when it seems like having all the discounts means you get insurance for free, you’re out of luck.

If you would like to see a list of companies that offer some of these discounts, click here to view.

Tailor your auto insurance coverage to you

When buying coverage, there really is no perfect coverage plan. Coverage needs to be tailored to your specific needs and a cookie cutter policy won’t apply. For instance, these questions can aid in determining if you might need an agent’s assistance.

• Why am I required to buy high-risk coverage?
• Is my Toyota Avalon covered if I use it for business?
• Can I afford to buy a different vehicle if my 2003 Toyota Avalon is totaled?
• Are all vehicle passengers covered by medical payments coverage?
• Does my insurance cover a custom paint job?
• How can I get high-risk coverage after a DUI?

If you don’t know the answers to these questions then you might want to talk to an agent. If you want to speak to an agent in your area, fill out this quick form or click here for a list of auto insurance companies in your area. It’s fast, doesn’t cost anything and you can get the answers you need.

Save money with these tips

Lots of things are taken into consideration when you get a price on insurance. Some are pretty understandable like an MVR report, but other criteria are not quite as obvious such as whether you are married or your commute time.The best way to find cheaper insurance coverage is to take a look at a few of the rating criteria that help calculate your insurance coverage rates. If you understand what determines premiums, this helps enable you to make changes that could help you find better insurance coverage rates.

• Advanced alarms and GPS tracking – Choosing to buy a car with an alarm system can earn a premium discount. Anti-theft devices such as vehicle immobilizer systems, OnStar, and tracking devices like LoJack help track and prevent car theft.
• Consider raising comp and collision deductibles – Physical damage coverage, also known as collision and other-than-collision, is used to repair damage to your vehicle. Some coverage claims could be running into the backend of another car, hitting a deer, and having your car stolen. Physical damage deductibles state the amount of money you are willing to pay in the event of a claim. The larger the amount you’re willing to pay, the bigger discount you will receive on Avalon coverage.
• Experienced drivers pay less – Teen drivers are statistically shown to be careless and easily distracted in a vehicle so insurance coverage rates are higher. Older, more experienced drivers have been proven to be more responsible, statistically cause fewer accidents .
• What are good liability coverage limits? – Liability coverage will afford coverage if you are found liable for causing damage or personal injury in an accident. Liability insurance provides legal defense starting from day one. Liability insurance is quite affordable when compared to the cost of physical damage coverage, so do not skimp.
• Cheaper premiums with safer cars – Vehicles with high crash test scores tend to be cheaper to insure. The safest vehicles have better occupant injury protection and reduced instances of injuries means less claims paid passed on to you as lower rates.
• Does insurance coverage cost less for gals? – The statistics show that females take fewer risks when driving. It does not mean men are worse drivers. Males and females tend to get into at-fault accidents in similar percentages, but guys have accidents that have higher claims. They also get higher numbers of serious violations like reckless driving and DUI. Teenage male drivers are several times more likely to be in an accident and therefore have the most expensive insurance coverage rates.
• Cautious drivers pay better premiums – A bad driving record has a huge affect on how much you pay. Getting just one citation can boost insurance rates by twenty percent. Attentive drivers get better rates as compared to careless drivers. Drivers who have license-revoking tickets like DUI, reckless driving or excessive speeding may be required to maintain a SR-22 with their state DMV in order to continue driving.

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The insurance bait and switch

Consumers can’t get away from all the ads that claim the cheapest car insurance rates by 21st Century, Allstate and State Farm. All the companies advertise claims about savings just by moving your coverage.

Is it even possible that every company can have lower policy pricing? Just pay attention to how they say it.

Insurance companies have a preferred profile for the driver they prefer to insure. For instance, this type of risk profile may need to be a married female, has never had a claim, and chooses high deductibles. A customer that fits those parameters will most likely get cheap rates and therefore will pay quite a bit less when switching companies.

People who cannot meet those standards will probably have to pay a more expensive rate and this can result in the driver buying from a lower-cost company. If you listen to the ad wording, they say “people who switch” not “everyone that quotes” can save as much as they claim. That is how insurance companies can confidently claim big savings. Because every company is different, drivers must get price quotes at each policy renewal. It’s just not possible to know the company that will fit your personal profile best.

Information about specific coverages

Having a good grasp of your policy helps when choosing the best coverages at the best deductibles and correct limits. The terms used in a policy can be impossible to understand and nobody wants to actually read their policy. These are the usual coverages available from car insurance companies.

Medical expense coverage

Coverage for medical payments and/or PIP pay for immediate expenses for funeral costs, doctor visits and X-ray expenses. They are often used to cover expenses not covered by your health insurance plan or if there is no health insurance coverage. Coverage applies to you and your occupants and will also cover being hit by a car walking across the street. Personal injury protection coverage is not universally available but it provides additional coverages not offered by medical payments coverage

Comprehensive protection

Comprehensive insurance coverage covers damage that is not covered by collision coverage. You first must pay your deductible and then insurance will cover the rest of the damage.

Comprehensive coverage protects against things like vandalism, a broken windshield, theft and fire damage. The maximum amount a car insurance company will pay at claim time is the market value of your vehicle, so if the vehicle is not worth much it’s probably time to drop comprehensive insurance.

Collision coverage protection

This coverage pays for damage to your Avalon caused by collision with another vehicle or an object, but not an animal. A deductible applies then your collision coverage will kick in.

Collision insurance covers claims such as scraping a guard rail, sustaining damage from a pot hole, hitting a parking meter and hitting a mailbox. Collision coverage makes up a good portion of your premium, so you might think about dropping it from lower value vehicles. Drivers also have the option to choose a higher deductible to save money on collision insurance.

Uninsured or underinsured coverage

This coverage protects you and your vehicle’s occupants from other motorists when they either have no liability insurance or not enough. It can pay for injuries sustained by your vehicle’s occupants as well as your vehicle’s damage.

Due to the fact that many drivers only carry the minimum required liability limits, their limits can quickly be used up. That’s why carrying high Uninsured/Underinsured Motorist coverage is a good idea.

Liability coverages

Liability coverage will cover damages or injuries you inflict on people or other property that is your fault. It protects you against claims from other people, and does not provide coverage for your own vehicle damage or injuries.

Liability coverage has three limits: per person bodily injury, per accident bodily injury, and a property damage limit. As an example, you may have policy limits of 100/300/100 which stand for $100,000 bodily injury coverage, a total of $300,000 of bodily injury coverage per accident, and property damage coverage for $100,000.

Liability insurance covers things like structural damage, attorney fees, repair costs for stationary objects and medical services. How much liability should you purchase? That is a decision to put some thought into, but buy as large an amount as possible.

Stretch your dollar

As you quote auto insurance, it’s a bad idea to skimp on critical coverages to save a buck or two. In many instances, an accident victim reduced collision coverage to discover at claim time they didn’t have enough coverage. Your strategy should be to purchase a proper amount of coverage at a price you can afford.

We covered a lot of tips how to get a better price on 2003 Toyota Avalon insurance. It’s most important to understand that the more you quote auto insurance, the more likely it is that you will get a better rate. You may even find the biggest savings come from some of the lesser-known companies. Regional companies can often insure niche markets at a lower cost compared to the large companies like Allstate, Geico and Progressive.

More detailed auto insurance information is located in the articles below:

• Tools for Teen Driving Safety (State Farm)
• Teen Driver Statistics (Insurance Information Insitute)
• Teen Driving Statistics (Geico)
• Reducing Your Risks in a Car Crash Video (iihs.org)
• What is Gap Insurance? (Insurance Information Insitute)

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