How Much Does 2004 Toyota Celica Car Insurance Cost?

Trying to find the cheapest auto insurance rates for your Toyota Celica? Are you drained from being strong-armed to pay your auto insurance bill each month? You have the same problem as the majority of other people.

You have multiple auto insurance companies to pick from, and though it is a good thing to be able to choose, it can be more difficult to compare rates and find the lowest cost auto insurance.

Consumers need to take a look at other company’s rates on a regular basis due to the fact that insurance prices are usually higher with each renewal. Even if you think you had the lowest price for Celica coverage two years ago other companies may now be cheaper. There is too much inaccurate information about auto insurance out there, but in a few minutes you can learn some great ways to put money back in your pocket.

Auto Insurance Discounts

Some insurers do not list all disounts in an easy-to-find place, so below is a list both the well known and the more hidden discounts that you can inquire about if you buy auto insurance online.

• ABS and Traction Control Discounts – Cars, trucks, and SUVs that have steering control and anti-lock brakes prevent accidents and will save you 10% or more.
• New Vehicle Savings – Insuring a vehicle that is new is cheaper due to better safety requirements for newer vehicles.
• Homeowners Savings – Just being a homeowner can get you a discount due to the fact that maintaining a home is proof of financial responsibility.
• Data Collection Discounts – Insureds who allow driving data submission to monitor driving patterns through the use of a telematics system such as In-Drive from State Farm or Allstate’s Drivewise system could save a few bucks as long as they are good drivers.
• Passive Restraint Discount – Options like air bags or motorized seat belts can get savings of more than 20%.
• Online Discount – A few larger companies give back up to $50 for completing your application digitally online.
• Good Driver Discount – Drivers who don’t get into accidents could pay up to 40% less for Celica coverage compared to accident prone drivers.
• Club Memberships – Joining specific professional or occupational memberships or organizations could trigger savings when shopping for auto insurance.
• Theft Deterent System – Cars and trucks equipped with tracking devices and advanced anti-theft systems can help prevent theft and earn discounts up to 10% off your auto insurance quote.

One last thing about discounts, many deductions do not apply to the entire cost. Most only apply to individual premiums such as liability and collision coverage. Just because you may think having all the discounts means you get insurance for free, company stockholders wouldn’t be very happy.

A list of auto insurance companies and a selection of discounts can be read below.

• State Farm offers discounts including defensive driving training, safe vehicle, passive restraint, multiple autos, Drive Safe & Save, driver’s education, and accident-free.
• Esurance may offer discounts for renters, Pac-12 alumni, homeowner, good student, and online shopper.
• Progressive may have discounts that include online signing, online quote discount, multi-policy, good student, multi-vehicle, continuous coverage, and homeowner.
• Liberty Mutual offers discounts for new graduate, exclusive group savings, newly retired, safety features, and multi-car.
• Auto-Owners Insurance includes discounts for paid in full, anti-lock brakes, multi-policy, company car, good student, and paperless.
• Geico has discounts for daytime running lights, seat belt use, air bags, emergency military deployment, multi-policy, multi-vehicle, and anti-theft.

When comparing rates, check with each company or agent to give you their best rates. A few discounts may not apply to policies in your area. To view providers with discount rates, click here.

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Cheapest insurance coverage rate quotes

There are a variety of methods to shop for insurance coverage, but some are less labor-intensive and much quicker. You can spend countless hours talking to insurance companies in your area, or you can stay home and use the internet to quickly compare rates.

Many of the larger companies take part in a program where insurance shoppers enter their policy data once, and every company provides a quote for coverage. This saves time by eliminating quotation requests for each company.

To compare rates now click here to start a free quote.

The one disadvantage to doing it this way is you can’t choose which companies you want pricing from. If you wish to select from a list of companies to request quotes from, we put together a list of insurance coverage companies in your area. View list of insurance companies.

It’s up to you which method you use, but be sure you’re using the exact same deductibles and coverage limits for each comparison quote. If you compare different liability limits then you won’t be able to decipher which rate is best. Having just a slight variation in insurance coverages could throw off the whole comparison. Keep in mind that getting more free quotes gives you a better chance of getting a lower rate than you’re paying now. Some insurance companies are not set up to provide quotes online, so you also need to get quotes from them, too.

Smart buyers save money

An important part of buying insurance is that you know a few of the rating criteria that go into determining your car insurance rates. If you have some idea of what impacts premium levels, this helps enable you to make changes that could help you find lower rates.

• High deductibles equal low rates – Physical damage protection, also called ‘full coverage’, is used to repair damage to your vehicle. Some instances where coverage would apply are colliding with a building, damage caused by hail, and windstorm damage. Deductibles for physical damage define how much the insured will be required to pay if you file a covered claim. The more damage repair cost you choose to pay out-of-pocket, the lower your rates will be for Celica coverage.
• You might want pay the minor insurance claims yourself – Car insurance companies give the best rates to drivers who do not file claims often. If you frequently file small claims, you can pretty much guarantee higher rates. Your car insurance is intended to be relied upon for claims that pose a financial burden.
• Prices may be lower depending on your employer – Did you know your job can affect your rates? Occupations such as judges, architects and medical professionals generally pay the highest rates in part from intense work-related stress and long work days. Other occupations such as farmers, athletes and homemakers generally pay rates lower than average for Celica coverage.
• Experienced drivers pay less – Teen drivers are proven to be more careless when driving with friends so they pay higher car insurance rates. Older drivers are viewed as being more responsible, file fewer claims and get fewer tickets.
• High credit means lower premiums – Credit history is likely to be a major factor in determining your rates. Drivers who have very high credit ratings tend to file fewer claims than drivers who have lower ratings. If your credit can use some improvement, you may save money insuring your 2004 Toyota Celica if you improve your credit rating.

Tailor your insurance coverage coverage to you

When it comes to choosing coverage, there really is no one size fits all plan. Your needs are not the same as everyone else’s so your insurance needs to address that. For instance, these questions could help you determine if your situation might need professional guidance.

• When would I need rental car insurance?
• Does insurance cover damages from a DUI accident?
• What is medical payments coverage?
• How do I file an SR-22 for a DUI in my state?
• At what point should I drop full coverage?
• Are there companies who specialize in insuring high-risk drivers?
• Should I get collision insurance on every vehicle?

If you can’t answer these questions then you might want to talk to a licensed insurance agent. If you want to speak to an agent in your area, take a second and complete this form or you can go here for a list of companies in your area.

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Auto insurance ads are enticing

Auto insurance providers like State Farm, Geico and Progressive continually stream ads on TV and radio. All the companies say the same thing about savings just by moving your policy. How can each company claim to save you money? This is the trick they use.

Insurance companies quote their cheapest rates for the right customer that earns them the most money. An example of a preferred risk could possibly be over age 30, has never had a claim, and has great credit. Any new insured that meets those criteria will probably get the lowest car insurance rates as well as pay quite a bit less when switching companies.

Insureds who don’t measure up to this stringent profile will be charged a more expensive rate and the customer buying from someone else. The wording the ads use say “people that switch” not “everyone that quotes” save money. That’s why insurance companies can make the claims of big savings. That is why you really need to compare many company’s rates. It’s impossible to know which auto insurance company will give you the biggest savings.

Information about specific coverages

Knowing the specifics of your insurance policy can be of help when determining which coverages you need and proper limits and deductibles. Policy terminology can be difficult to understand and coverage can change by endorsement. These are typical coverages found on the average insurance policy.

Collision coverage protection

This covers damage to your Celica resulting from colliding with another car or object. A deductible applies and the rest of the damage will be paid by collision coverage.

Collision coverage pays for things such as driving through your garage door, sideswiping another vehicle and sustaining damage from a pot hole. Collision is rather expensive coverage, so consider removing coverage from older vehicles. It’s also possible to choose a higher deductible in order to get cheaper collision rates.

Insurance for medical payments

Med pay and PIP coverage kick in for bills for things like rehabilitation expenses, pain medications, funeral costs and X-ray expenses. They are often utilized in addition to your health insurance program or if there is no health insurance coverage. It covers all vehicle occupants as well as if you are hit as a while walking down the street. PIP is not universally available but can be used in place of medical payments coverage

Comprehensive coverage (or Other than Collision)

Comprehensive insurance pays for damage OTHER than collision with another vehicle or object. A deductible will apply and then insurance will cover the rest of the damage.

Comprehensive insurance covers things such as a broken windshield, rock chips in glass and hail damage. The maximum amount a insurance company will pay at claim time is the ACV or actual cash value, so if your deductible is as high as the vehicle’s value it’s not worth carrying full coverage.

Uninsured Motorist or Underinsured Motorist insurance

This coverage protects you and your vehicle from other drivers when they either have no liability insurance or not enough. Covered losses include injuries to you and your family as well as damage to your Toyota Celica.

Since many drivers only purchase the least amount of liability that is required, their limits can quickly be used up. For this reason, having high UM/UIM coverages is a good idea.

Liability coverage

This coverage can cover injuries or damage you cause to a person or their property that is your fault. This insurance protects YOU against claims from other people. It does not cover your injuries or vehicle damage.

Coverage consists of three different limits, bodily injury per person, bodily injury per accident and property damage. As an example, you may have liability limits of 50/100/50 that translate to $50,000 bodily injury coverage, a total of $100,000 of bodily injury coverage per accident, and a total limit of $50,000 for damage to vehicles and property.

Liability coverage protects against things such as medical expenses, structural damage, legal defense fees, medical services and repair costs for stationary objects. The amount of liability coverage you purchase is your choice, but you should buy higher limits if possible.

A tidy conclusion

As you restructure your insurance plan, never skimp on critical coverages to save a buck or two. There have been many situations where drivers have reduced comprehensive coverage or liability limits only to regret they didn’t have enough coverage. The proper strategy is to buy the best coverage you can find at the lowest possible cost while not skimping on critical coverages.

Throughout this article, we presented many ways to save on 2004 Toyota Celica insurance. The key thing to remember is the more rate quotes you have, the more likely it is that you will get a better rate. You may be surprised to find that the lowest premium rates come from a company that doesn’t do a lot of advertising. These smaller insurers may have significantly lower prices on certain market segments compared to the large companies like Allstate or State Farm.

Even more information is available by following these links:

• Airbag FAQ (iihs.org)
• Older Drivers FAQ (iihs.org)
• Eight Auto Insurance Myths (Insurance Information Insitute)
• Get the Right Protection (InsureUonline.org)
• Auto Insurance FAQ (Farmers Insurance)
• Rental Reimbursement Coverage (Allstate)

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