Lower Your 2003 Toyota Celica Car Insurance Rates

Are you a victim of an overpriced insurance coverage policy? Trust us when we tell you you’re not the only one. Insurance companies such as State Farm and GEICO all claim big savings, bombarding you with ads and it is challenging if not impossible to separate fact from fiction and effectively compare rates to find the best deal.

You need to price shop coverage at least once a year due to the fact that insurance rates fluctuate regularly. If you had the best price on Celica coverage on your last policy you will most likely find a better rate today. You can find a lot of wrong information about insurance coverage on the web, but we’re going to give you some good information on how to save money.

Discounts are great for lower rates

Insurance can cost an arm and a leg, but you can get discounts that can drop the cost substantially. Certain discounts will be triggered automatically at the time of purchase, but some must be asked for before you will receive the discount. If you aren’t receiving every discount available, you’re paying more than you need to.

  • Claim Free – Good drivers with no accidents can save substantially when compared with accident-prone drivers.
  • Sign Online – Certain companies give back up to $50 for buying a policy and signing up over the internet.
  • Drive Less and Save – Keeping the miles down on your Toyota can qualify you for discounted rates on garaged vehicles.
  • One Accident Forgiven – A handful of insurance companies will forgive one accident without raising rates if you are claim-free prior to the accident.
  • Early Switch Discount – A few companies offer discounts for signing up before your current expiration date. It’s a savings of about 10%.
  • Defensive Driving Course – Successfully completing a course teaching defensive driving skills could possibly earn you a 5% discount if you qualify.

Drivers should understand that some credits don’t apply to your bottom line cost. Most only reduce individual premiums such as collision or personal injury protection. Just because you may think all those discounts means the company will pay you, you won’t be that lucky. But all discounts will reduce your premiums.

Companies who might offer some of the above discounts include:

Check with each company how you can save money. Some discounts may not be available in your area.

The most recommended method to compare insurance rates from multiple companies is to know auto insurance companies will pay a fee to give rate comparisons. To start a quote, the only thing you need to do is provide the companies a bit of rating information like distance driven, the type of vehicles you drive, if a SR-22 is required, and what your job is. That rating data is instantly submitted to many highly-rated insurers and you will get price comparisons instantly.

To compare rates now, click here and enter the information requested.

Factors that can influence insurance rates for a Toyota Celica

It’s important that you understand the factors that play a part in calculating the rates you pay for insurance. Understanding what controls the rates you pay helps enable you to make changes that could result in better insurance rates.

Shown below are a few of the “ingredients” that factor into premiums.

  • How credit affects insurance rates – A driver’s credit score is a huge factor in calculating your insurance rates. Therefore, if your credit rating is lower than you’d like, you could save money insuring your 2003 Toyota Celica by spending a little time repairing your credit. Consumers who have high credit ratings tend to be less risk to insure than drivers with poor credit.
  • Don’t sacrifice liability coverage – The liability section of your policy will protect you if you are found to be at fault for damages from an accident. It provides for a legal defense starting from day one. Carrying liability coverage is mandatory and cheap compared to insuring for physical damage coverage, so drivers should carry high limits.
  • Pay less after the wedding – Having a wife or husband actually saves money on your insurance policy. Having a significant other usually means you are more mature and it’s proven that married drivers get in fewer accidents.
  • Lower rates come with age – More mature drivers are more cautious drivers, statistically cause fewer accidents and are safer drivers. Youthful drivers tend to be less responsible when driving therefore insurance rates are much higher.

You may need specialized coverage

When buying adequate coverage for your personal vehicles, there isn’t really a perfect coverage plan. Every situation is different so your insurance needs to address that. For example, these questions may help highlight whether your personal situation would benefit from an agent’s advice.

  • Do I really need UM/UIM coverage?
  • Are my tools covered if they get stolen from my vehicle?
  • Do I need medical payments coverage since I have good health insurance?
  • Can my teen driver be rated on a liability-only vehicle?
  • Am I covered when using my vehicle for business?
  • When do I need to add a new car to my policy?

If you can’t answer these questions but a few of them apply, you may need to chat with a licensed agent. To find lower rates from a local agent, fill out this quick form or you can also visit this page to select a carrier It is quick, free and may give you better protection.

Save 15 percent in 15 minutes? Is it for real?

Consumers get pounded daily by advertisements for car insurance savings by Progressive, GEICO, Allstate and State Farm. They all seem to have a common claim of big savings after switching to their company.

How do they all make almost identical claims? It’s all in the numbers.

All the different companies have a preferred profile for the type of driver that earns them a profit. For example, a profitable customer could be between 30 and 50, insures multiple vehicles, and drives less than 7,500 miles a year. A customer getting a price quote who fits that profile receives the best rates and most likely will save quite a bit of money when switching.

Drivers who don’t qualify for the “perfect” profile must pay higher premiums and this can result in the customer not buying. The ads state “customers who switch” not “people who quote” save that kind of money. That’s the way companies can state the savings.

This illustrates why it’s extremely important to compare as many rates as you can. It’s not possible to predict the company that will have the lowest Toyota Celica insurance rates.

Specific coverages for a Toyota Celica

Knowing the specifics of your auto insurance policy can help you determine which coverages you need for your vehicles. The coverage terms in a policy can be confusing and reading a policy is terribly boring. Below you’ll find typical coverages found on most auto insurance policies.

Liability coverage

Liability insurance protects you from injuries or damage you cause to people or other property that is your fault. This coverage 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 for each person injured, bodily injury for the entire accident and a property damage limit. Your policy might show limits of 50/100/50 that translate to $50,000 bodily injury coverage, $100,000 for the entire accident, and property damage coverage for $50,000. Occasionally you may see one limit called combined single limit (CSL) which combines the three limits into one amount without having the split limit caps.

Liability can pay for claims such as emergency aid, medical expenses and loss of income. How much liability should you purchase? That is a personal decision, but you should buy as much as you can afford.

Uninsured and underinsured coverage

This coverage protects you and your vehicle when the “other guys” either have no liability insurance or not enough. This coverage pays for injuries sustained by your vehicle’s occupants and also any damage incurred to your Toyota Celica.

Since a lot of drivers have only the minimum liability required by law, it only takes a small accident to exceed their coverage. For this reason, having high UM/UIM coverages is important protection for you and your family. Normally your uninsured/underinsured motorist coverages do not exceed the liability coverage limits.

Collision protection

Collision insurance covers damage to your Celica caused by collision with an object or car. You will need to pay your deductible and the rest of the damage will be paid by collision coverage.

Collision insurance covers claims such as hitting a parking meter, colliding with another moving vehicle and crashing into a building. Collision coverage makes up a good portion of your premium, so consider removing coverage from vehicles that are older. You can also bump up the deductible to save money on collision insurance.

Coverage for medical payments

Coverage for medical payments and/or PIP provide coverage for bills for things like ambulance fees, surgery and dental work. They are used to cover expenses not covered by your health insurance policy or if you do not have health coverage. Medical payments and PIP cover both the driver and occupants in addition to getting struck while a pedestrian. PIP is only offered in select states but it provides additional coverages not offered by medical payments coverage

Comprehensive coverages

Comprehensive insurance coverage covers damage caused by mother nature, theft, vandalism and other events. A deductible will apply then your comprehensive coverage will pay.

Comprehensive coverage protects against things such as damage from a tornado or hurricane, damage from getting keyed, hail damage, damage from flooding and theft. 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 consider removing comprehensive coverage.

Affordable insurance is out there

As you go through the steps to switch your coverage, it’s a bad idea to sacrifice coverage to reduce premiums. There are a lot of situations where drivers have reduced uninsured motorist or liability limits only to discover later they didn’t purchase enough coverage. Your aim should be to get the best coverage possible for the lowest price, not the least amount of coverage.

Lower-priced 2003 Toyota Celica insurance is available both online in addition to many insurance agents, and you need to price shop both in order to have the best price selection to choose from. Some companies do not provide the ability to get a quote online and most of the time these small insurance companies sell through independent agents.

In this article, we presented many ideas to get a better price on insurance. The key concept to understand is the more you quote, the more likely it is that you will get a better rate. Consumers may even find the lowest premiums are with a lesser-known regional company. Smaller companies can often insure niche markets at a lower cost as compared to the big name companies such as GEICO and State Farm.

More detailed insurance information can be read in these articles: