1993 Toyota Celica Insurance Cost – 9 Tips for Best Prices

No one in their right mind likes having to buy insurance coverage, in particular when the cost is too high. Companies like GEICO, Farmers Insurance and State Farm persitently shower you with fancy advertisements and it is difficult to ignore the propoganda and do the work needed to find the best deal.

It’s important to check insurance coverage prices occasionally since rates are variable and change quite frequently. Even if you got the best price on Celica insurance a couple years back there may be better deals available now. There is a lot of bad advice regarding insurance coverage online but with this article, you’re going to get some solid techniques on how to quit paying high insurance coverage rates.

If you are insured now or are shopping for new coverage, you will benefit by learning to cut your premiums and still get good coverage. Choosing the best insurance company for you is easy if you know what you’re doing. Drivers only need to know the most effective way to buy car insurance over the internet.

How to Compare Auto Insurance Costs

There are multiple methods to compare 1993 Toyota Celica auto insurance quotes, but some are less time-consuming than others. You could waste a few hours talking about coverages with agents in your area, or you can utilize the internet to get pricing more quickly.

Many companies are enrolled in a marketplace where insurance shoppers submit one quote, and each participating company can provide price quotes based on that data. This system prevents you from having to do quote requests to each individual auto insurance company.

To submit your quote information now, click here to start a free quote.

The one disadvantage to pricing coverage this way is that you can’t choose the insurers to get quotes from. So if you prefer to pick individual companies to compare rates, we have a page of low cost auto insurance companies in your area. Click to view list.

It’s up to you which method you use, but make darn sure you compare identical coverages with every price quote. If your comparisons have mixed coverages it’s not possible to make a fair comparison for your Toyota Celica.

Lower rates by qualifying for these nine discounts

The cost of insuring your cars can be expensive, but there are discounts available to help bring down the price. Certain discounts will be triggered automatically at quote time, but some must be specially asked for before you will receive the discount. If you’re not getting every credit available, you are throwing money away.

  • Seat Belt Usage – Buckling up and requiring all passengers to buckle their seat belts can save up to 15% off your medical payments premium.
  • Senior Citizens – If you qualify as a senior citizen, you can possibly qualify for better insurance rates on Celica insurance.
  • Multiple Cars – Insuring all your vehicles on the same insurance policy qualifies for this discount.
  • Theft Prevention System – Vehicles with anti-theft systems prevent vehicle theft and qualify for as much as a 10% discount.
  • Anti-lock Brakes – Anti-lock brake equipped vehicles are safer to drive and will save you 10% or more.
  • Resident Student – Any of your kids living away from home attending college and don’t have a car can be insured at a reduced rate.
  • Memberships – Affiliation with certain professional organizations is a good way to get lower rates when shopping for insurance on Celica insurance.
  • Safe Drivers – Insureds without accidents can get discounts for up to 45% lower rates on Celica insurance than drivers with accident claims.
  • Passive Restraints and Air Bags – Vehicles with factory air bags or motorized seat belts can get savings of more than 20%.

Drivers should understand that some of the credits will not apply to the overall cost of the policy. Most only reduce the price of certain insurance coverages like physical damage coverage or medical payments. So when it seems like you would end up receiving a 100% discount, it just doesn’t work that way. Any amount of discount will help reduce the cost of coverage.

Car insurance companies who might offer these discounts include:

Double check with each insurance company what discounts are available to you. Discounts might not apply everywhere.

Car insurance is unique, just like you

When choosing coverage, there isn’t really a one size fits all plan. Every insured’s situation is different and your policy should reflect that. Here are some questions about coverages that might point out whether your personal situation may require specific advice.

  • Is my state a no-fault state?
  • Does my car insurance cover rental cars?
  • Do I have coverage if my license is suspended?
  • Do I have coverage when making deliveries for my home business?
  • What is roadside assistance coverage?
  • Am I covered if I wreck a rental car?
  • Can I afford to pay high deductible claims out of pocket?
  • Do I get a pro-rated refund if I cancel my policy early?
  • Does my medical payments coverage pay my health insurance deductible?
  • When should my teen driver be added to my policy?

If you can’t answer these questions but you think they might apply to your situation, then you may want to think about talking to a licensed insurance agent. To find lower rates from a local agent, take a second and complete this form or you can go here for a list of companies in your area. It only takes a few minutes and you can get the answers you need.

Insurance coverage specifics

Knowing the specifics of your policy can help you determine appropriate coverage and the correct deductibles and limits. Insurance terms can be confusing and reading a policy is terribly boring. Listed below are typical coverages found on the average insurance policy.

Collision coverage

Collision coverage will pay to fix damage to your Celica from colliding with another vehicle or an object, but not an animal. You will need to pay your deductible and then insurance will cover the remainder.

Collision coverage pays for things such as scraping a guard rail, crashing into a ditch and crashing into a building. This coverage can be expensive, so consider dropping it from lower value vehicles. Another option is to bump up the deductible to bring the cost down.

Med pay and Personal Injury Protection (PIP)

Medical payments and Personal Injury Protection insurance provide coverage for bills for surgery, EMT expenses and funeral costs. They are used in conjunction with a health insurance policy or if you lack health insurance entirely. Coverage applies to both the driver and occupants in addition to any family member struck as a pedestrian. PIP is only offered in select states but it provides additional coverages not offered by medical payments coverage

Comprehensive insurance

This covers damage that is not covered by collision coverage. You need to pay your deductible first then your comprehensive coverage will pay.

Comprehensive can pay for things such as damage from a tornado or hurricane, falling objects and theft. The maximum payout you’ll receive from a claim is the actual cash value, so if your deductible is as high as the vehicle’s value consider removing comprehensive coverage.

Uninsured/Underinsured Motorist (UM/UIM)

This provides protection when other motorists are uninsured or don’t have enough coverage. Covered claims include injuries to you and your family and damage to your Toyota Celica.

Because many people carry very low liability coverage limits, 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. Frequently these limits are similar to your liability insurance amounts.

Coverage for liability

Liability insurance protects you from injuries or damage you cause to other people or property. It protects you from legal claims by others. Liability doesn’t cover damage sustained by your vehicle in an accident.

Liability coverage has three limits: per person bodily injury, per accident bodily injury, and a property damage limit. As an example, you may have limits of 25/50/25 which stand for a limit of $25,000 per injured person, $50,000 for the entire accident, and property damage coverage for $25,000. Alternatively, you may have one limit called combined single limit (CSL) which combines the three limits into one amount without having the split limit caps.

Liability insurance covers claims such as bail bonds, medical services, structural damage and emergency aid. The amount of liability coverage you purchase is up to you, but it’s cheap coverage so purchase as large an amount as possible.