2016 Toyota Sequoia Car Insurance Quotes

High-priced auto insurance can stress out your checking account and make it hard to pay other bills. Shopping your coverage around is a fast and free way to lower your monthly bill.

Big companies like Progressive, State Farm and Geico all claim big savings, bombarding you with ad campaigns and it is challenging if not impossible to see through the cute green geckos and mayhem and do the work needed to find the best deal.

Insurance Discounts

Not too many consumers would say insurance is affordable, but you might find some hidden discounts to cut the cost considerably. Certain discounts will be triggered automatically when you get a quote, but some discounts are required to be specially asked for before you will receive the discount.

• New Vehicle Savings – Buying a new car model may earn a small discount because newer vehicles have to meet stringent safety requirements.
• Driver Safety – Taking a course that instructs on driving safety could save 5% or more depending on where you live.
• Own a Home – Simply owning a home can save you money because it shows financial diligence.
• Renewal Discounts – Select insurance companies give a discount for switching to them before your current coverage expires. You could save around 10% when you buy insurance coverage online.
• Distant Student – Older children living away from home attending college and do not take a car to college can receive lower rates.

A quick disclaimer, many deductions do not apply to the entire cost. The majority will only reduce the cost of specific coverages such as collision or personal injury protection. Even though the math looks like you could get a free insurance policy, you aren’t that lucky.

Large insurance companies and a partial list of their discounts include:

• Geico discounts include anti-theft, emergency military deployment, good student, seat belt use, anti-lock brakes, multi-policy, and driver training.
• SAFECO includes discounts for safe driver, bundle discounts, homeowner, teen safe driver, teen safety rewards, anti-theft, and accident prevention training.
• State Farm policyholders can earn discounts including passive restraint, driver’s education, safe vehicle, good student, Steer Clear safe driver discount, and student away at school.
• MetLife has savings for good driver, good student, accident-free, claim-free, and defensive driver.
• 21st Century offers discounts including automatic seat belts, teen driver, good student, air bags, driver training, and 55 and older.
• Progressive offers premium reductions for online quote discount, multi-vehicle, online signing, homeowner, and multi-policy.

Before buying, ask every company which discounts can lower your rates. A few discounts may not apply to policyholders in your area. If you would like to view companies with the best discounts, click here to view.

Tailor your insurance coverage coverage to you

When choosing the right insurance coverage, there really is not a perfect coverage 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 insurance needs could use an agent’s help.

• Does coverage extend to Mexico or Canada?
• Does my insurance cover damage caused when ticketed for reckless driving?
• Am I covered when delivering products for my home-based business?
• Should I buy additional glass protection?
• Can my teen driver be rated on a liability-only vehicle?
• Do I get a pro-rated refund if I cancel my policy early?
• Am I covered if I hit my neighbor’s mailbox?
• Am I insured when driving a different vehicle?
• Will my insurance pay for OEM parts?
• Does medical payments coverage apply to all occupants?

If you don’t know the answers to these questions but you think they might apply to your situation, you may need to chat with a licensed agent. If you don’t have a local agent, take a second and complete this form or you can also visit this page to select a carrier

Car insurance 101

Learning about specific coverages of insurance helps when choosing appropriate coverage for your vehicles. The coverage terms in a policy can be impossible to understand and reading a policy is terribly boring. Shown next are typical coverage types offered by insurance companies.

Coverage for uninsured or underinsured drivers – This protects you and your vehicle from other drivers when they either are underinsured or have no liability coverage at all. Covered losses include medical payments for you and your occupants as well as damage to your Toyota Sequoia.

Due to the fact that many drivers carry very low liability coverage limits, it only takes a small accident to exceed their coverage. This is the reason having UM/UIM coverage should not be overlooked.

Liability coverage – This coverage protects you from damage that occurs to other people or property that is your fault. It protects YOU from legal claims by others. Liability doesn’t cover your own vehicle damage or injuries.

It consists of three limits, bodily injury per person, bodily injury per accident and property damage. You might see liability limits of 100/300/100 which stand for $100,000 bodily injury coverage, a limit of $300,000 in injury protection per accident, and property damage coverage for $100,000.

Liability can pay for claims like bail bonds, funeral expenses, medical services and repair bills for other people’s vehicles. How much coverage you buy is up to you, but buy as large an amount as possible.

Comprehensive insurance – This coverage pays for damage that is not covered by collision coverage. You need to pay your deductible first and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive coverage protects against claims such as theft, damage from a tornado or hurricane, vandalism and falling objects. The maximum amount you’ll receive from a claim 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.

Collision coverages – Collision insurance will pay to fix damage to your Sequoia resulting from a collision with a stationary object or other vehicle. A deductible applies and the rest of the damage will be paid by collision coverage.

Collision insurance covers claims like crashing into a building, colliding with a tree and scraping a guard rail. This coverage can be expensive, so you might think about dropping it from lower value vehicles. It’s also possible to increase the deductible to get cheaper collision coverage.

Coverage for medical expenses – Personal Injury Protection (PIP) and medical payments coverage pay for expenses such as EMT expenses, rehabilitation expenses, surgery and hospital visits. They can be used in conjunction with a health insurance program or if you do not have health coverage. It covers both the driver and occupants as well as if you are hit as a while walking down the street. PIP coverage is not available in all states but it provides additional coverages not offered by medical payments coverage

Buy online or local, you save

When getting insurance coverage quotes online, don’t be tempted to reduce coverage to reduce premium. In too many instances, someone sacrificed liability coverage limits only to regret that a couple dollars of savings turned into a financial nightmare. The goal is to purchase a proper amount of coverage at the best possible price.

We just presented quite a bit of information on how to reduce 2016 Toyota Sequoia insurance rates online. The most important thing to understand is the more rate comparisons you have, the higher your chance of finding cheap insurance coverage. You may even discover the lowest rates come from a lesser-known regional company. These smaller insurers may cover specific market segments cheaper than their larger competitors like Progressive or Geico.

Even more information can be found at these sites:

• Credit and Insurance Scores (Insurance Information Insitute)
• Things to Know Before you Cancel Insurance (Allstate)
• Distracted Driving Extends Beyond Texting (State Farm)
• Cellphones, Texting and Driving (iihs.org)
• Credit Impacts Car Insurance Rates (State Farm)
• Safety Tips for Teen Drivers (Insurance Information Insitute)