2014 Toyota Sienna Insurance Rates – 9 Savings Tips

Finding cheaper insurance for a Toyota Sienna can be an all-consuming task, but you can learn our car insurance buying tips to find lower rates.

There are both good and bad ways to shop for car insurance and we’ll show you the quickest way to quote coverages for your Toyota and obtain the best price possible either online or from local insurance agents.

You need to check car insurance prices yearly because insurance rates are variable and change quite frequently. Despite the fact that you may have had the best price on Sienna coverage a year ago there may be better deals available now. There is a lot of bad advice regarding car insurance online but by reading this article, you’re going to learn the easiest ways to put money back in your pocket.

How to Compare Car Insurance

Most major insurance companies provide prices on their websites. Getting quotes doesn’t take much effort as you just type in your coverage information as detailed in the form. Once you submit the form, the system automatically orders information on your driving record and credit history and quotes a price based on these factors.

Being able to quote online simplifies rate comparisons, but the work required to visit a lot of sites and fill out multiple forms is repetitive and time-consuming. But it’s absolutely necessary to do this if you are searching for the best price possible.

The easy way to compare rates

A more efficient way to find lower prices utilizes a single form to return rates from a bunch of companies at once. This type of form saves time, helps eliminate reptitive entry, and makes online shopping much more efficient. After your information is entered, it is rated and you can select any one of the price quotes you receive.

If a lower price is quoted, you can click and sign and purchase coverage. This process can be completed in less than 10 minutes and you will know how your current rates stack up.

To save time and compare rates now, click here and begin entering your coverage information. If you have coverage now, it’s recommended you enter coverages and limits identical to your current policy. This makes sure you will receive a rate comparison for similar insurance coverage.

Don’t miss these nine discounts

Insuring your vehicles can cost a lot, but companies offer discounts that you may not even be aware of. Certain discounts will be applied when you purchase, but some may not be applied and must be specially asked for prior to getting the savings. If you’re not getting every credit you qualify for, you’re paying more than you need to.

  • Air Bag Discount – Vehicles equipped with air bags and/or automatic seat belt systems can qualify for discounts of more than 20%.
  • Employee of Federal Government – Employees or retirees of the government could cut as much as 10% off on Sienna coverage depending on your company.
  • Safety Course Discount – Successfully completing a course teaching defensive driving skills could cut 5% off your bill and easily recoup the cost of the course.
  • Good Student Discount – Getting good grades can save 20 to 25%. This discount can apply up until you turn 25.
  • Homeowners Pay Less – Owning a home can help you save on car insurance because owning a home is proof that your finances are in order.
  • Accident Free – Drivers with accident-free driving histories can save substantially when compared to drivers who are more careless.
  • Anti-lock Brake Discount – Vehicles with anti-lock braking systems are safer to drive and therefore earn up to a 10% discount.
  • 55 and Retired – Mature drivers may receive reduced rates on Sienna coverage.
  • Payment Discounts – If you pay your bill all at once instead of paying each month you could save 5% or more.

Keep in mind that some of the credits will not apply to your bottom line cost. Some only apply to individual premiums such as collision or personal injury protection. So when the math indicates adding up those discounts means a free policy, you’re out of luck. But all discounts will help reduce your overall premium however.

Companies that possibly offer these money-saving discounts include:

Check with each company which discounts you may be entitled to. Savings may not be available in every state.

When might I need help?

When it comes to buying the best auto insurance coverage, there really is not a “perfect” insurance plan. Everyone’s situation is unique.

For instance, these questions might help in determining whether or not you would benefit from an agent’s advice.

  • Is motorclub coverage worth it?
  • Am I covered when driving in Canada or Mexico?
  • Which companies will insure high-risk drivers?
  • Am I better off with higher deductibles on my 2014 Toyota Sienna?
  • Do I need more liability coverage?
  • Should I carry comprehensive and collision coverage?

If it’s difficult to answer those questions but one or more may apply to you, you might consider talking to a licensed agent. To find an agent in your area, take a second and complete this form. It is quick, free and can help protect your family.

Insurance coverage basics

Learning about specific coverages of your policy aids in choosing which coverages you need and the correct deductibles and limits. Insurance terms can be impossible to understand and nobody wants to actually read their policy.

UM/UIM Coverage

This protects you and your vehicle when other motorists 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 a lot of drivers have only the minimum liability required by law, their liability coverage can quickly be exhausted. That’s why carrying high Uninsured/Underinsured Motorist coverage is a good idea. Frequently your uninsured/underinsured motorist coverages are identical to your policy’s liability coverage.

Liability auto insurance

Liability insurance will cover damages or injuries you inflict on a person or their property that is your fault. Coverage consists of three different limits, per person bodily injury, per accident bodily injury, and a property damage limit. You commonly see limits of 50/100/50 that means you have a limit of $50,000 per injured person, a total of $100,000 of bodily injury coverage per accident, and property damage coverage for $50,000. Occasionally you may see one number which is a combined single limit which limits claims to one amount with no separate limits for injury or property damage.

Liability coverage pays for things such as loss of income, repair bills for other people’s vehicles, court costs, repair costs for stationary objects and structural damage. How much liability should you purchase? That is up to you, but consider buying as large an amount as possible.

Collision protection

This coverage pays for damage to your Sienna resulting from colliding with another car or object. You first must pay a deductible and then insurance will cover the remainder.

Collision coverage pays for claims such as crashing into a ditch, backing into a parked car, hitting a parking meter, colliding with a tree and scraping a guard rail. Collision coverage makes up a good portion of your premium, so consider removing coverage from older vehicles. Another option is to choose a higher deductible to save money on collision insurance.

Medical costs insurance

Medical payments and Personal Injury Protection insurance provide coverage for bills for dental work, surgery, prosthetic devices, funeral costs and chiropractic care. They are used in conjunction with a health insurance policy or if there is no health insurance coverage. Coverage applies to not only the driver but also the vehicle occupants as well as any family member struck as a pedestrian. PIP is only offered in select states but it provides additional coverages not offered by medical payments coverage

Comprehensive or Other Than Collision

This pays to fix your vehicle from damage OTHER than collision with another vehicle or object. A deductible will apply and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive coverage pays for things such as hail damage, rock chips in glass and damage from flooding. The maximum amount you’ll receive from a claim is the cash value of the vehicle, so if your deductible is as high as the vehicle’s value it’s not worth carrying full coverage.

Smart shoppers get results

Cost effective 2014 Toyota Sienna insurance is possible online 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 the ability to get a quote online and most of the time these small, regional companies sell through independent agents.

Insureds change insurance companies for a variety of reasons including denial of a claim, being labeled a high risk driver, an unsatisfactory settlement offer or delays in paying claims. Regardless of your reason, finding the right insurance coverage provider can be easy and end up saving you some money.

We just presented a lot of techniques to save on insurance. It’s most important to understand that the more providers you compare, the higher your chance of finding lower rates. You may be surprised to find that the lowest premiums are with an unexpected company.

More detailed insurance coverage information is located in these articles: