1998 Toyota Sienna Insurance Rates

Looking for cheaper car insurance rates for your Toyota Sienna? I can’t think of a single person who looks forward to paying for car insurance, in particular when their premiums are too high.

Big companies like Progressive, GEICO and Farmers Insurance all claim big savings, bombarding you with fancy advertisements and consumers find it hard to ignore the promise of big savings and take the time to shop coverage around.

If you are paying for car insurance now, you will be able to save some money using this information. Finding affordable coverage is quite easy. Although vehicle owners can benefit by having an understanding of how companies price online insurance and apply this information to your search.

Are you getting all your discounts?

Companies offering auto insurance do not advertise all available discounts in a way that’s easy to find, so we took the time to find some of the more common and also the lesser-known savings tricks you should be using.

  • New Car Discount – Putting insurance coverage on a new car can save up to 30% because new vehicles have to meet stringent safety requirements.
  • Fewer Miles Equal More Savings – Low mileage vehicles can qualify you for a substantially lower rate.
  • Sign Online – Certain companies may give you up to $50 simply for signing on their website.
  • Discounts for Safe Drivers – Drivers who avoid accidents may receive a discount up to 45% less for Sienna coverage than their less cautious counterparts.
  • Discount for Swiching Early – Some insurance companies reward drivers for switching policies prior to your current policy expiration. The savings is around 10%.
  • Accident Waiver – Certain companies will allow you to have one accident before hitting you with a surcharge as long as you don’t have any claims for a certain period of time.
  • Passive Restraints – Factory air bags and/or automatic seat belt systems can qualify for discounts of more than 20%.

Drivers should understand that most credits do not apply to the entire policy premium. Most only cut individual premiums such as comp or med pay. So when it seems like you could get a free insurance coverage policy, it doesn’t quite work that way.

To see a list of providers with discount insurance coverage rates, click here.

Automobile Insurance Quotes

Shopping for lower car insurance rates can take time and effort if you don’t understand the most efficient way. You can waste a few hours (or days) talking about coverages with agents in your area, or you can utilize the internet to get prices fast.

Many popular insurance companies take part in a program where prospective buyers enter their coverage request one time, and each participating company can provide price quotes based on that information. This system prevents you from having to do form submissions to each individual car insurance company.

To compare 1998 Toyota Sienna rates using this form now click here (opens in new window).

The only drawback to comparing rates this way is buyers cannot specifically choose which carriers to receive prices from. So if you prefer to choose individual companies to compare prices, we have a listing of the cheapest car insurance companies in your area. View list of insurance companies.

It’s up to you how you get prices quotes, just make sure you use apples-to-apples coverage limits and deductibles with every price quote. If you use different limits and deductibles on each one it’s impossible to determine the best price for your Toyota Sienna. Quoting even small variations in coverage limits can mean a large discrepancy in price. It’s important to know that obtaining a wide range of quotes will improve the odds of getting a better price.

When might I need an agent?

When buying coverage, there really is not a best way to insure your cars. Everyone’s situation is a little different so your insurance needs to address that. For instance, these questions may help highlight whether you could use an agent’s help.

  • Is other people’s property covered if stolen from my vehicle?
  • Is motorclub coverage worth it?
  • How can I force my company to pay a claim?
  • Can I afford low physical damage deductibles?
  • What is covered by UM/UIM coverage?
  • Should I buy only the required minimum liability coverage?
  • Are my friends covered when driving my 1998 Toyota Sienna?

If you’re not sure about those questions but one or more may apply to you, you may need to chat with an insurance agent. If you don’t have a local agent, complete this form or go to this page to view a list of companies.

Car insurance policy specifics

Having a good grasp of car insurance aids in choosing the right coverages at the best deductibles and correct limits. Car insurance terms can be impossible to understand and reading a policy is terribly boring. Shown next are typical coverage types found on most car insurance policies.

Comprehensive coverages

This pays to fix your vehicle from damage from a wide range of events other than collision. You first have to pay a deductible and then insurance will cover the rest of the damage.

Comprehensive coverage protects against claims such as theft, vandalism, falling objects, rock chips in glass and hitting a bird. The maximum amount a car insurance company will pay at claim time is the market value of your vehicle, so if the vehicle is not worth much consider dropping full coverage.

Collision protection

This pays for damage to your Sienna caused by collision with another car or object. You first must pay a deductible then your collision coverage will kick in.

Collision coverage pays for claims like damaging your car on a curb, colliding with another moving vehicle, hitting a mailbox and sustaining damage from a pot hole. Paying for collision coverage can be pricey, so consider dropping it from vehicles that are older. Another option is to choose a higher deductible to bring the cost down.

Coverage for medical payments

Personal Injury Protection (PIP) and medical payments coverage pay for expenses like hospital visits, EMT expenses, ambulance fees, doctor visits and pain medications. They can be used in conjunction with a health insurance policy or if you do not have health coverage. They cover all vehicle occupants and also covers being hit by a car walking across the street. Personal Injury Protection is not an option in every state and may carry a deductible

Liability car insurance

Liability coverage can cover damage that occurs to a person or their property that is your fault. It protects you against claims from other people. Liability doesn’t cover your own vehicle damage or injuries.

Coverage consists of three different limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You might see policy limits of 25/50/25 which means a limit of $25,000 per injured person, a per accident bodily injury limit of $50,000, and a limit of $25,000 paid for damaged property.

Liability insurance covers things like legal defense fees, attorney fees, repair costs for stationary objects and medical expenses. The amount of liability coverage you purchase is a personal decision, but buy as large an amount as possible.

Uninsured and underinsured coverage

Your UM/UIM coverage protects you and your vehicle’s occupants from other motorists when they either have no liability insurance or not enough. It can pay for injuries to you and your family and also any damage incurred to your Toyota Sienna.

Since many drivers only carry the minimum required liability limits, it only takes a small accident to exceed their coverage. That’s why carrying high Uninsured/Underinsured Motorist coverage is important protection for you and your family.

Quote often and quote early

As you go through the steps to switch your coverage, it’s a bad idea to reduce coverage to reduce premium. There have been many cases where an insured dropped collision coverage only to regret at claim time that the few dollars in savings costed them thousands. The aim is to buy enough coverage at a price you can afford while still protecting your assets.

We covered a lot of ways to reduce 1998 Toyota Sienna insurance prices online. The most important thing to understand is the more companies you get rates for, the more likely it is that you will get a better rate. You may even discover the most savings is with some of the smallest insurance companies. Smaller companies may only write in your state and offer lower rates than their larger competitors like Progressive or GEICO.

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