2004 Toyota Celica Insurance Rates – 5 Policy Discounts

Searching for better insurance rates for your Toyota Celica? Scraping up a payment for overpriced Toyota Celica insurance can take a big chunk out of your savings account, especially in this economy. Doing a price comparison is a smart way to lower your monthly bill.

Drivers have multiple car insurance companies to pick from, and although it’s nice to be able to choose, lots of choices makes it harder to find the best rates.

Quick Auto Insurance Quotes

When shopping for auto insurance there are multiple ways of comparing rate quotes and find the best price. The simplest method to find competitive 2004 Toyota Celica insurance rates is to get quotes online. This can be accomplished in a couple of different ways.

  1. One of the simplest ways to get quotes for comparison is an all-inclusive rate comparison click here to open form in new window. This easy form eliminates the need for repetitive form submissions for each company. One form will get you rate comparisons from several companies.
  2. A less efficient way to shop for auto insurance online requires a visit to each individual company website to complete their respective quote request forms. For sake of this example, we’ll assume you want to compare Auto-Owners, GEICO and Liberty Mutual. To get rate quotes you would need to visit each site and enter your policy data, and that’s why the first method is more popular. For a list of links to companies insuring cars in your area, click here.
  3. The most time-consuming way of comparing rate quotes is driving to different agent offices. The internet has reduced the need for local agents unless you prefer the professional advice that only a license agent can provide. Drivers can get the lowest quotes online and still use a local agent. We’ll cover that shortly.

It’s up to you how you get prices quotes, just make sure you use apples-to-apples coverage limits with each company. If you are comparing different liability limits it’s impossible to truly determine the lowest rate. Just a small difference in coverages can mean a large discrepancy in price. And when price shopping your coverage, getting more free quotes will improve the odds of getting the best price.

Don’t miss out on these five money-saving discounts

Insurance can cost an arm and a leg, but there could be available discounts to help bring down the price. Some discounts apply automatically at quote time, but less common discounts must be specially asked for before you get the savings.

  • Good Students Pay Less – Getting good grades can save 20 to 25%. This discount can apply until age 25.
  • Multiple Cars – Buying coverage for all your vehicles on the same insurance policy may reduce the rate for each vehicle.
  • Passive Restraint Discount – Factory air bags or motorized seat belts may earn rate discounts of up to 25% or more.
  • Anti-theft System – Vehicles with anti-theft systems prevent vehicle theft and earn discounts up to 10%.
  • New Vehicle Savings – Buying coverage on a new vehicle can cost up to 25% less since new cars are generally safer.

It’s important to note that some credits don’t apply to your bottom line cost. Most only apply to individual premiums such as liability, collision or medical payments. Just because you may think all those discounts means the company will pay you, you’re out of luck. But all discounts will help reduce your premiums.

To see a list of companies who offer insurance discounts, click here.

Do I need special coverages?

When buying the best insurance coverage coverage for your personal vehicles, there isn’t really a “perfect” insurance plan. Everyone’s situation is a little different and your policy should reflect that. For example, these questions may help highlight whether you may require specific advice.

  • Should I put collision coverage on all my vehicles?
  • Do I need motorclub coverage?
  • Do I need PIP (personal injury protection) coverage in my state?
  • Is my state a no-fault state?
  • What if I owe more than I can insure my car for?
  • When does my teenage driver need to be added to my policy?
  • Where can I find DUI or SR-22 insurance?
  • Does my policy cover me when driving someone else’s vehicle?
  • Does my policy cover my teen driver if they drive my company car?
  • How much liability do I need to cover my assets?

If you’re not sure about those questions but a few of them apply, then you may want to think about talking to a licensed agent. To find lower rates from a local agent, complete this form or you can also visit this page to select a carrier

Coverages available on your policy

Having a good grasp of your auto insurance policy helps when choosing the right coverages and the correct deductibles and limits. Auto insurance terms can be ambiguous and reading a policy is terribly boring. Below you’ll find typical coverage types available from auto insurance companies.

Collision – Collision coverage will pay to fix damage to your Celica resulting from colliding with another vehicle or an object, but not an animal. A deductible applies then the remaining damage will be paid by your insurance company.

Collision can pay for claims like crashing into a building, rolling your car, crashing into a ditch, damaging your car on a curb and sideswiping another vehicle. Paying for collision coverage can be pricey, so analyze the benefit of dropping coverage from vehicles that are 8 years or older. It’s also possible to increase the deductible in order to get cheaper collision rates.

Medical costs insurance – Med pay and PIP coverage pay for immediate expenses such as X-ray expenses, funeral costs, surgery, dental work and EMT expenses. The coverages can be used in conjunction with a health insurance policy or if you are not covered by health insurance. It covers not only the driver but also the vehicle occupants and will also cover if you are hit as a while walking down the street. Personal Injury Protection is not universally available but can be used in place of medical payments coverage

Comprehensive or Other Than Collision – Comprehensive insurance coverage pays for damage caused by mother nature, theft, vandalism and other events. You need to pay your deductible first then your comprehensive coverage will pay.

Comprehensive can pay for claims such as a broken windshield, damage from flooding, hitting a bird, damage from getting keyed and rock chips in glass. The highest amount you’ll receive from a claim is the actual cash value, so if the vehicle is not worth much consider removing comprehensive coverage.

UM/UIM Coverage – This coverage gives you protection from other drivers when they either are underinsured or have no liability coverage at all. Covered losses include injuries to you and your family as well as your vehicle’s damage.

Since many drivers only purchase the least amount of liability that is required, it only takes a small accident to exceed their coverage. That’s why carrying high Uninsured/Underinsured Motorist coverage should not be overlooked. Normally these coverages are identical to your policy’s liability coverage.

Liability car insurance – Liability coverage can cover damage or injury you incur to other people or property that is your fault. This coverage protects you from legal claims by others. Liability doesn’t cover your injuries or vehicle damage.

Coverage consists of three different limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You commonly see policy limits of 50/100/50 which stand for a limit of $50,000 per injured person, a per accident bodily injury limit of $100,000, and a limit of $50,000 paid for damaged property. Occasionally you may see a combined limit that pays claims from the same limit without having the split limit caps.

Liability coverage protects against claims like legal defense fees, funeral expenses, court costs and bail bonds. How much liability should you purchase? That is your choice, but consider buying as large an amount as possible.

Money doesn’t grow on trees

In this article, we covered many ideas to compare 2004 Toyota Celica insurance prices online. The key thing to remember is the more rate comparisons you have, the more likely it is that you will get a better rate. You may be surprised to find that the lowest rates come from some of the lesser-known companies. Smaller companies may often insure only within specific states and give getter rates than the large multi-state companies such as State Farm and Allstate.

When buying insurance coverage, make sure you don’t reduce coverage to reduce premium. There are many occasions where someone sacrificed liability coverage limits only to regret they didn’t purchase enough coverage. Your focus should be to buy enough coverage at the best price while not skimping on critical coverages.

The cheapest insurance is available both online as well as from independent agents, and you need to comparison shop both to have the best rate selection. There are still a few companies who don’t offer the ability to get a quote online and these small insurance companies work with independent agents.

For more information, take a look at the resources below: