View 2001 Toyota Celica Insurance Rates

Shoppers have options when shopping for the best price on Toyota Celica insurance. They can either waste time driving around getting price quotes or leverage the internet to get rate quotes.

There are both good and bad ways to buy insurance and we’ll show you the absolute fastest way to quote coverages for a Toyota and get the best price possible either online or from local insurance agents.

This information will help you learn how to effectively get price quotes and some money-saving tips. If you currently have a car insurance policy, you should be able to cut costs considerably using these tips. Consumers only need an understanding of the proper methods to compare prices online.

How to reduce 2001 Toyota Celica insurance rates

Properly insuring your vehicles can get expensive, buy you may qualify for discounts that can drop the cost substantially. Some discounts apply automatically when you purchase, but less common discounts must be asked about before being credited. If they aren’t giving you every credit available, you are paying more than you should be.

  • E-sign – A handful of insurance companies will give a small break simply for signing digitally online.
  • Auto/Life Discount – Select insurance companies reward you with a break if you buy auto and life insurance together.
  • Anti-lock Brake Discount – Anti-lock brake equipped vehicles are safer to drive and will save you 10% or more.
  • Military Rewards – Being on active duty in the military may qualify for rate reductions.
  • No Charge for an Accident – A few companies allow you one accident before your rates go up if your claims history is clear prior to the accident.
  • Multi-car Discount – Buying insurance for more than one vehicle on one policy may reduce the rate for each vehicle.
  • Federal Employees – Being employed by or retired from a federal job can save as much as 8% on Celica coverage with a few car insurance companies.
  • Student in College – Kids in college who live away from home and do not have a car may be able to be covered for less.
  • Payment Discounts – If you pay your bill all at once instead of monthly or quarterly installments you could save 5% or more.
  • Drive Less and Save – Driving fewer miles could be rewarded with better rates on cars that stay parked.

Consumers should know that most of the big mark downs will not be given to the entire policy premium. Some only apply to the cost of specific coverages such as medical payments or collision. So when it seems like all those discounts means the company will pay you, companies don’t profit that way. But all discounts will cut your premiums.

Companies who might offer these discounts include:

Double check with each insurance company what discounts are available to you. All car insurance discounts might not apply in every state.

Toyota Celica insurance rates consist of many parts

It’s important that you understand some of the elements that help determine car insurance rates. Having a good understanding of what impacts premium levels allows you to make educated decisions that will entitle you to big savings.

The following are a few of the “ingredients” companies use to determine prices.

  • Never let your coverage lapse – Having an insurance coverage lapse is a fast way to increase your car insurance rates. Not only will rates go up, but being ticketed for driving with no insurance may earn you a revoked license or a big fine.
  • Choose a safe vehicle and save – Vehicles with good safety scores tend to have better insurance rates. The safest vehicles have better occupant injury protection and lower injury rates translates into savings for insurance companies passed on to you as lower rates. If your Toyota Celica has ratings of a minimum four stars on Safercar.gov or an “acceptable” rating on iihs.org you may qualify for a discount.
  • Your job and insurance rates – Did you know your car insurance rates can be affected by your occupation? Occupations such as judges, business owners and stock brokers have the highest rates in part from stressful work requirements and lengthy work days. On the other hand, jobs such as actors, students and homemakers get better rates on Celica coverage.
  • Lower rates with optional equipment – Purchasing a vehicle that has an advanced theft prevention system can save you a little every year. Anti-theft devices like vehicle immobilizer systems, General Motors OnStar and LoJack tracking systems all aid in stopping car theft.
  • Having a spouse can save you money – Having a spouse actually saves money on your car insurance policy. Marriage translates into being more mature than a single person and it’s proven that drivers who are married are more cautious.

Tailor your coverage to you

When choosing the right insurance coverage for your personal vehicles, there is no cookie cutter policy. Every situation is different.

For example, these questions may help highlight if your insurance needs might need an agent’s assistance.

  • Why is insurance for a teen driver so high?
  • How high should my uninsured/underinsured coverage be in my state?
  • Why am I be forced to buy a membership to get insurance from some companies?
  • Does my 2001 Toyota Celica need full coverage?
  • Should I carry comprehensive and collision coverage?
  • Is my custom paint covered by insurance?
  • Does coverage extend to a rental car in a foreign country?

If you’re not sure about those 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, take a second and complete this form. It’s fast, free and can help protect your family.

Car insurance coverage information

Having a good grasp of your insurance policy can help you determine which coverages you need and the correct deductibles and limits. Policy terminology can be confusing and coverage can change by endorsement.

UM/UIM Coverage

Your UM/UIM coverage provides protection when other motorists are uninsured or don’t have enough coverage. It can pay for injuries to you and your family and damage to your Toyota Celica.

Since many drivers 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 should not be overlooked. Most of the time these limits are similar to your liability insurance amounts.

Medical costs insurance

Medical payments and Personal Injury Protection insurance kick in for immediate expenses for nursing services, dental work, rehabilitation expenses, surgery and prosthetic devices. The coverages can be used in conjunction with a health insurance policy or if there is no health insurance coverage. Coverage applies to all vehicle occupants and also covers any family member struck as a pedestrian. PIP coverage is not universally available but can be used in place of medical payments coverage

Comprehensive or Other Than Collision

Comprehensive insurance coverage will pay to fix damage caused by mother nature, theft, vandalism and other events. You first must pay your deductible then your comprehensive coverage will pay.

Comprehensive insurance covers claims like rock chips in glass, hail damage, vandalism, a tree branch falling on your vehicle and fire damage. The highest amount you can receive from a comprehensive claim is the cash value of the vehicle, so if the vehicle’s value is low consider removing comprehensive coverage.

Collision coverage protection

Collision insurance pays for damage to your Celica from colliding with another car or object. You first must pay a deductible then the remaining damage will be paid by your insurance company.

Collision coverage pays for things such as sustaining damage from a pot hole, crashing into a ditch and scraping a guard rail. This coverage can be expensive, so consider dropping it from vehicles that are 8 years or older. Another option is to choose a higher deductible to bring the cost down.

Liability auto insurance

Liability coverage will cover injuries or damage you cause to other people or property. It protects YOU against claims from other people. Liability doesn’t cover damage to your own property or vehicle.

Liability coverage has three limits: bodily injury per person, bodily injury per accident and property damage. Your policy might show policy limits of 100/300/100 which stand for a limit of $100,000 per injured person, a total of $300,000 of bodily injury coverage per accident, and a limit of $100,000 paid for damaged property. Some companies may use one number which is a combined single limit which combines the three limits into one amount with no separate limits for injury or property damage.

Liability coverage pays for claims such as loss of income, medical services, bail bonds and emergency aid. How much liability coverage do you need? That is a decision to put some thought into, but you should buy as large an amount as possible.

Smart consumers save more

Consumers who switch companies do it for any number of reasons including poor customer service, delays in paying claims, an unsatisfactory settlement offer or being labeled a high risk driver. It doesn’t matter what your reason, switching companies can be easier than you think.

As you shop your coverage around, make sure you don’t buy less coverage just to save a little money. There are too many instances where an insured dropped physical damage coverage and found out when filing a claim that a couple dollars of savings turned into a financial nightmare. Your strategy should be to purchase plenty of coverage at an affordable rate while still protecting your assets.

Cost effective 2001 Toyota Celica insurance is possible from both online companies and also from your neighborhood agents, and you need to comparison shop both to get a complete price analysis. There are still a few companies who may not provide online quoting and these small, regional companies work with independent agents.

More detailed car insurance information is available at these sites: