Cheaper 2002 Toyota ECHO Insurance Rates
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Benji Carr
Former Licensed Life Insurance Agent
Benjamin Carr was a licensed insurance agent in Georgia and has two years’ experience in life, health, property and casualty coverage. He has worked with State Farm and other risk management firms. He is also a strategic writer and editor with a background in branding, marketing, and quality assurance. He has been in military newsrooms — literally on the frontline of journalism.
Former Licensed Life Insurance Agent
UPDATED: Sep 30, 2018
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident car insurance decisions. Comparison shopping should be easy. We are not affiliated with any one car insurance company and cannot guarantee quotes from any single company.
Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from top car companies please enter your ZIP code above to use the free quote tool. The more quotes you compare, the more chances to save.
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.
UPDATED: Sep 30, 2018
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident car insurance decisions. Comparison shopping should be easy. We are not affiliated with any one car insurance company and cannot guarantee quotes from any single company.
Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from top car companies please enter your ZIP code above to use the free quote tool. The more quotes you compare, the more chances to save.
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Car owners who just recently started comparing auto insurance rates online can find buying the cheapest insurance is very challenging.
How much is car insurance?
To find affordable insurance quotes, there are several ways of comparing rate quotes from many available car insurance companies in your state. The fastest way to do a complete rate comparison consists of obtaining rate quotes online. This can be accomplished in just a few minutes using one of these methods.
- Probably the best way to get the best comparison quotes is to use a rate comparison form like this one (opens in new window). This form keeps you from doing separate quotation requests to each individual car insurance company. A single form gets you price quotes instantly. This is by far the quickest method.
- Another way to obtain and compare quotes online requires a visit to the website for each individual company and go through the quote process again. For example, let’s assume you want rates from State Farm, Farmers and Liberty Mutual. In order to compare rates, you need to go to each individual site to enter the same coverage data repeatedly, which explains why we recommend starting with the first method. For a list of companies in your area, click here.
How you compare quotes is your choice, just be sure you’re using apples-to-apples coverages for every quote you compare. If your comparisons have different deductibles you can’t possibly determine which company has the best rates. Even a minor difference in coverages may result in large price differences. It’s important to know that comparing more company’s prices helps locate a lower rate than you’re paying now. Not every company does quotes online, so you need to compare rates on coverage from those companies, too.
Enter your zip code below to view companies that have cheap auto insurance rates.
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Cheaper auto insurance rates with discounts
The cost of insuring your cars can be expensive, but you might already qualify for some discounts that many consumers don’t even know exist. Many of these discounts will be applied automatically when you get a quote, but a few need to be asked about before you will receive the discount.
- Membership in Organizations – Having an affiliation with qualifying clubs or civic groups is a simple method to lower premiums on auto insurance.
- Passenger Safety Discount – Factory options such as air bags could see savings of 20 to 30 percent.
- Drive Safe and Save – Drivers who don’t get into accidents can save as much as half off their rates on ECHO insurance than less cautious drivers.
- ABS Braking Discount – Cars and trucks equipped with ABS or steering control can stop better under adverse conditions so companies give up to a 10% discount.
- Telematics Devices – People who choose to allow their auto insurance company to scrutinize their driving habits by using a small device installed in their vehicle like Allstate’s Drivewise might get better premium rates if they have good driving habits.
Just know that most credits do not apply to the entire policy premium. Some only reduce individual premiums such as physical damage coverage or medical payments. Just because you may think having all the discounts means you get insurance for free, nobody gets a free ride. Any amount of discount will definitely reduce your overall premium however.
The best auto insurance companies and the discounts they provide include:
- Geico may offer discounts for multi-vehicle, defensive driver, driver training, anti-theft, daytime running lights, seat belt use, and anti-lock brakes.
- Travelers policyholders can earn discounts including home ownership, student away at school, IntelliDrive, hybrid/electric vehicle, and driver training.
- Nationwide includes discounts for good student, Farm Bureau membership, family plan, business or organization, easy pay, and anti-theft.
- Farmers Insurance has discounts for alternative fuel, bundle discounts, pay in full, good student, distant student, multi-car, and business and professional.
- Esurance discounts include paid-in-full, anti-theft, good student, homeowner, and DriveSense.
- State Farm offers discounts for passive restraint, multiple policy, defensive driving training, accident-free, Drive Safe & Save, and Steer Clear safe driver discount.
- Progressive may include discounts for online quote discount, continuous coverage, online signing, multi-vehicle, and good student.
- Mercury Insurance offers premium reductions for low natural disaster claims, age of vehicle, good student, annual mileage, professional/association, and multi-car.
When comparing rates, check with each company which discounts you may be entitled to. A few discounts may not apply to policyholders in your area. If you would like to see a list of auto insurance companies with significant discounts, click here.
Tailor your auto insurance coverage to you
When choosing adequate coverage for your vehicles, there really is not a “best” method to buy coverage. Your needs are not the same as everyone else’s.
These are some specific questions can aid in determining whether your personal situation would benefit from professional advice.
- Are all vehicle passengers covered by medical payments coverage?
- Do I need roadside assistance coverage?
- What is the ISO rating for a 2002 Toyota ECHO?
- If I drive on a suspended license am I covered?
- When should I drop full coverage on my 2002 Toyota ECHO?
- Is my business laptop covered if it gets stolen from my vehicle?
If you’re not sure about those questions then you might want to talk to an agent. If you don’t have a local agent, fill out this quick form.
Auto insurance coverage basics
Learning about specific coverages of a auto insurance policy aids in choosing appropriate coverage and proper limits and deductibles. The coverage terms in a policy can be difficult to understand and reading a policy is terribly boring.
UM/UIM Coverage – This coverage protects you and your vehicle from other drivers when they do not carry enough liability coverage. It can pay for hospital bills for your injuries as well as your vehicle’s damage.
Because many people have only the minimum liability required by law, it only takes a small accident to exceed their coverage. That’s why carrying high Uninsured/Underinsured Motorist coverage is very important. Normally your uninsured/underinsured motorist coverages are identical to your policy’s liability coverage.
Comprehensive or Other Than Collision – This coverage pays for damage that is not covered by collision coverage. You need to pay your deductible first and then insurance will cover the rest of the damage.
Comprehensive coverage protects against things like theft, falling objects and rock chips in glass. The highest amount your auto insurance company will pay is the ACV or actual cash value, so if it’s not worth much more than your deductible consider removing comprehensive coverage.
Medical costs insurance – Personal Injury Protection (PIP) and medical payments coverage kick in for bills for things like surgery, doctor visits, chiropractic care and funeral costs. They are often used to fill the gap from your health insurance policy or if you are not covered by health insurance. Coverage applies to not only the driver but also the vehicle occupants as well as getting struck while a pedestrian. PIP coverage is only offered in select states but can be used in place of medical payments coverage
Liability car insurance – This provides protection from damage or injury you incur to other’s property or people by causing an accident. This coverage protects you from claims by other people. It does not cover your own vehicle damage or injuries.
Split limit liability has three limits of coverage: per person bodily injury, per accident bodily injury, and a property damage limit. You might see limits of 50/100/50 which stand for $50,000 bodily injury coverage, a per accident bodily injury limit of $100,000, and a limit of $50,000 paid for damaged property. 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 things such as pain and suffering, court costs and medical services. How much coverage you buy is your choice, but you should buy as high a limit as you can afford.
Collision – Collision coverage covers damage to your ECHO caused by collision with another car or object. You will need to pay your deductible then your collision coverage will kick in.
Collision can pay for things such as hitting a parking meter, colliding with a tree, crashing into a ditch, driving through your garage door and sideswiping another vehicle. This coverage can be expensive, so you might think about dropping it from older vehicles. Drivers also have the option to bump up the deductible in order to get cheaper collision rates.
Enter your zip code below to view companies that have cheap auto insurance rates.
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Benji Carr
Former Licensed Life Insurance Agent
Benjamin Carr was a licensed insurance agent in Georgia and has two years’ experience in life, health, property and casualty coverage. He has worked with State Farm and other risk management firms. He is also a strategic writer and editor with a background in branding, marketing, and quality assurance. He has been in military newsrooms — literally on the frontline of journalism.
Former Licensed Life Insurance Agent
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.