Compare 2001 Toyota Sequoia Insurance Quotes

Being forced to pay for pricey auto insurance premiums can dry up your checking account and possibly require postponing other expenditures. Doing a rate comparison is free, only takes a few minutes, and is a good way to make ends meet.

Due to the fact that there are so many online and local companies to choose from, it is very difficult to find the lowest cost company.

How to find cheap car insurance

Shopping for lower car insurance rates is a ton of work if you don’t understand the best way to get rate quotes. You can waste hours talking to agents in your area, or you can stay home and use the web to get prices fast.

Most major companies participate in an industry program that enables customers to send in one quote, and each company returns a rated price based on the submitted data. This system prevents you from having to do quote forms to every company.

To access this free quoting program, click here to open in new window.

The one disadvantage to comparing rates this way is you are unable to specify which insurance companies to receive prices from. If you prefer to choose specific insurance companies to receive pricing from, we have assembled a list of the cheapest car insurance companies in your area. View list of insurance companies.

The method you choose is up to you, but do your best to enter identical coverage limits and deductibles on every quote you get. If you enter different data it’s impossible to decipher which rate is best. Slightly different limits can mean a large discrepancy in price. And when quoting car insurance, remember that comparing more company’s prices provides better odds of finding a lower rate than you’re paying now. Not every company provides online rate quotes, so it’s recommended that you also compare prices from them, too.

Tailor your auto insurance coverage to you

When choosing adequate coverage for your personal vehicles, there really is no “best” method to buy coverage. Each situation is unique and a cookie cutter policy won’t apply. For example, these questions might help in determining if your insurance needs would benefit from professional advice.

• Why is insurance for a teen driver so high?
• Does liability extend to a camper or trailer?
• Are there companies who specialize in insuring high-risk drivers?
• At what point should I drop full coverage?
• How much liability do I need to cover my assets?
• Is my ex-spouse still covered by my policy?
• Is my Toyota Sequoia covered if I use it for business?

If you don’t know the answers to these questions but you think they might apply to your situation, you might consider talking to an agent. To find lower rates from a local agent, simply complete this short form or click here for a list of auto insurance companies in your area.

What car insurance coverages do you need?

Knowing the specifics of your policy can be of help when determining appropriate coverage and proper limits and deductibles. The terms used in a policy can be difficult to understand and even agents have difficulty translating policy wording. These are the usual coverages available from car insurance companies.

Comprehensive auto coverage – Comprehensive insurance coverage pays to fix your vehicle from damage from a wide range of events other than collision. You first must pay your deductible and then insurance will cover the rest of the damage.

Comprehensive coverage protects against things like hail damage, theft, damage from getting keyed and fire damage. The maximum payout you’ll receive from a claim is the market value of your vehicle, so if the vehicle is not worth much it’s probably time to drop comprehensive insurance.

UM/UIM (Uninsured/Underinsured Motorist) coverage – This provides protection when other motorists are uninsured or don’t have enough coverage. Covered claims include injuries to you and your family as well as your vehicle’s damage.

Due to the fact that many drivers have only the minimum liability required by law, it doesn’t take a major accident to exceed their coverage limits. That’s why carrying high Uninsured/Underinsured Motorist coverage is a good idea.

Auto liability insurance – This protects you from injuries or damage you cause to people or other property that is your fault. This insurance protects YOU from legal claims by others. It does not cover your own vehicle damage or injuries.

Coverage consists of three different limits, bodily injury per person, bodily injury per accident and property damage. You might see limits of 50/100/50 that translate to a $50,000 limit per person for injuries, a limit of $100,000 in injury protection per accident, and $50,000 of coverage for damaged propery.

Liability coverage protects against things such as pain and suffering, funeral expenses, legal defense fees, repair bills for other people’s vehicles and court costs. How much liability coverage do you need? That is a decision to put some thought into, but it’s cheap coverage so purchase as much as you can afford.

Collision coverage – Collision coverage pays for damage to your Sequoia resulting from colliding with another car or object. You will need to pay your deductible then the remaining damage will be paid by your insurance company.

Collision coverage protects against things such as rolling your car, crashing into a ditch, sideswiping another vehicle and hitting a mailbox. Collision coverage makes up a good portion of your premium, so consider removing coverage from vehicles that are 8 years or older. You can also increase the deductible to get cheaper collision coverage.

Medical payments and PIP coverage – Personal Injury Protection (PIP) and medical payments coverage provide coverage for expenses such as rehabilitation expenses, pain medications, ambulance fees and dental work. They can be used to fill the gap from your health insurance plan or if you do not have health coverage. They cover you and your occupants and also covers getting struck while a pedestrian. Personal injury protection coverage is not universally available and may carry a deductible