Save on 1997 Toyota Celica Car Insurance Cost

Have you had enough of not being able to afford to pay your car insurance bill each month? You are no different than the majority of other car owners.

You have multiple auto insurance companies to choose from, and although it’s nice to have a selection, it can be more difficult to locate the cheapest rates.

It’s a good idea to compare prices on a regular basis because rates change frequently. If you had the best deal on Celica insurance six months ago you may be paying too much now. So forget all the misinformation about auto insurance because you’re going to get a crash course in the proper way to lower your annual insurance bill.

Buying car insurance is not rocket science. If you currently have car insurance, you will be able to cut costs considerably using these tips. But drivers do need to know the methods companies use to market insurance on the web and take advantage of how the system works.

Comprehensive Auto Insurance Comparison

There are several ways to compare Toyota Celica auto insurance prices and some are less time-consuming than others. You could waste time talking about coverages with insurance companies in your area, or you can stay home and use the web to maximize your effort.

Most car insurance companies participate in a marketplace where prospective buyers send in one quote, and each company can provide price quotes for coverage. This system prevents you from having to do form submissions for every auto insurance company.

To fill out one form to compare multiple rates now click here (opens in new window).

One minor caviat to comparing rates this way is you are unable to specify the companies to get pricing from. If you would rather choose individual companies to request quotes from, we have assembled a list of low cost auto insurance companies in your area. Click here to view list.

It’s up to you which method you use, but make darn sure you compare the exact same coverage information with every price quote. If you are comparing unequal deductibles or liability limits you will not be able to determine the best price for your Toyota Celica. Quoting even small variations in insurance coverages may cause a big price difference. Just keep in mind that getting more free quotes will improve the odds of getting a better price.

Do you really save 40% when you switch?

Companies like Allstate, GEICO and Progressive continually stream ads on TV and radio. All the ads make an identical promise that you can save after switching your policy. But how can every company make almost identical claims? It’s all in the numbers.

Insurance companies are able to cherry pick for the type of driver that earns them a profit. For example, a preferred risk might be between the ages of 30 and 50, is a homeowner, and drives less than 10,000 miles a year. A driver who matches those parameters is entitled to the best price and is almost guaranteed to save when switching.

Drivers who do not match the “perfect” profile will have to pay higher rates and this can result in business going elsewhere. The ads say “customers who switch” but not “drivers who get quotes” save that much money. That’s the way insurance companies can confidently advertise the savings. Because of the profiling, it is so important to get as many quotes as possible. It’s just too difficult to predict which insurance company will have the lowest Toyota Celica insurance rates.

Save money by taking advantage of these discounts

Car insurance companies do not list all their discounts very well, so we break down both the well known and the more hidden ways to save on car insurance.

  • Auto/Life Discount – Some companies give better rates if you take out auto and life insurance together.
  • Driver’s Ed – Have your child enroll in driver’s education in school.
  • No Charge for an Accident – Some insurance companies will allow you to have one accident before hitting you with a surcharge so long as you haven’t had any claims for a particular time prior to the accident.
  • Driver Safety – Taking part in a defensive driving course could save 5% or more if you qualify.
  • Military Discounts – Having a family member in the military may qualify for rate reductions.
  • Air Bag Discount – Factory air bags can get savings of up to 25% or more.
  • College Student – Kids in college living away from home attending college and do not have access to a covered vehicle may be able to be covered for less.
  • Fewer Miles Equal More Savings – Keeping the miles down on your Toyota can qualify you for lower rates on the low mileage vehicles.
  • Sign Early and Save – Some companies give discounts for switching policies prior to your current policy expiring. It can save you around 10%.

Drivers should understand that most credits do not apply the the whole policy. Some only reduce the cost of specific coverages such as medical payments or collision. So even though it sounds like adding up those discounts means a free policy, you’re out of luck.

Insurance companies that may offer some of the above discounts include:

It’s a good idea to ask all companies you are considering which discounts you may be entitled to. Discounts might not be offered in your state.

When should I use an insurance agent?

When choosing proper insurance coverage, there is no one size fits all plan. Every situation is different so this has to be addressed. Here are some questions about coverages that may help highlight whether you would benefit from professional advice.

  • Is borrowed equipment or tools covered if stolen or damaged?
  • Do I have any recourse if my insurance company denies a claim?
  • Does insurance cover tools stolen from my truck?
  • Do I have newly-aquired coverage?
  • Are rock chip repairs covered?
  • When can my company non-renew my policy?
  • Does car insurance cover theft of personal property?
  • Should I file a claim if it’s only slightly more than my deductible?

If it’s difficult to answer those questions but one or more may apply to you, then you may want to think about talking to an agent. If you want to speak to an agent in your area, take a second and complete this form or click here for a list of insurance coverage companies in your area.

Specific coverage details

Having a good grasp of a auto insurance policy can be of help when determining the right coverages and proper limits and deductibles. The coverage terms in a policy can be impossible to understand and even agents have difficulty translating policy wording. Shown next are typical coverage types available from auto insurance companies.

Med pay and Personal Injury Protection (PIP)

Personal Injury Protection (PIP) and medical payments coverage provide coverage for short-term medical expenses like pain medications, ambulance fees, funeral costs, surgery and doctor visits. The coverages can be used to cover expenses not covered by your health insurance program or if you lack health insurance entirely. They cover you and your occupants as well as being hit by a car walking across the street. PIP is not available in all states but can be used in place of medical payments coverage

Uninsured/Underinsured Motorist (UM/UIM)

Your UM/UIM coverage gives you protection from other motorists when they either have no liability insurance or not enough. This coverage pays for hospital bills for your injuries and also any damage incurred to your Toyota Celica.

Due to the fact that many drivers only purchase the least amount of liability that is required, their limits can quickly be used up. This is the reason having UM/UIM coverage is important protection for you and your family.

Comprehensive insurance

Comprehensive insurance will pay to fix damage from a wide range of events other than collision. You need to pay your deductible first then the remaining damage will be covered by your comprehensive coverage.

Comprehensive can pay for things such as fire damage, a tree branch falling on your vehicle, hitting a bird and hail damage. The most your auto insurance company will pay is the actual cash value, so if your deductible is as high as the vehicle’s value it’s probably time to drop comprehensive insurance.

Auto collision coverage

Collision insurance pays to fix your vehicle from damage caused by collision with a stationary object or other vehicle. You have to pay a deductible then the remaining damage will be paid by your insurance company.

Collision coverage protects against claims like colliding with a tree, crashing into a ditch, hitting a mailbox and driving through your garage door. Paying for collision coverage can be pricey, so analyze the benefit of dropping coverage from vehicles that are 8 years or older. Drivers also have the option to raise the deductible in order to get cheaper collision rates.

Liability coverage

Liability insurance provides protection from damage or injury you incur to people or other property that is your fault. It protects YOU from legal claims by others, and doesn’t cover damage sustained by your vehicle in an accident.

Coverage consists of three different limits, per person bodily injury, per accident bodily injury, and a property damage limit. Your policy might show limits of 25/50/25 that translate to $25,000 in coverage for each person’s injuries, a limit of $50,000 in injury protection per accident, and property damage coverage for $25,000.

Liability can pay for claims like loss of income, court costs, structural damage and bail bonds. How much liability coverage do you need? That is up to you, but you should buy as high a limit as you can afford.

Compare but don’t skimp

When you buy insurance online, it’s not a good idea to skimp on critical coverages to save a buck or two. There have been many situations where consumers will sacrifice uninsured motorist or liability limits only to regret at claim time that saving that couple of dollars actually costed them tens of thousands. The aim is to get the best coverage possible at an affordable rate, not the least amount of coverage.

Lower-priced 1997 Toyota Celica insurance can be bought on the web and also from your neighborhood agents, and you should be comparing both in order to have the best chance of saving money. There are still a few companies who may not provide online price quotes and most of the time these small, regional companies sell through independent agents.

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