1990 Toyota Celica Insurance Rates – 8 Tricks for Best Quotes

Looking for cheaper auto insurance rates for your Toyota Celica? If you are new to getting car insurance quotes online, most likely you are baffled by the confusing number of insurance providers all claiming to have the lowest rates.

It’s a good idea to get comparison quotes yearly since insurance prices go up and down regularly. Even if you got the best rates on Celica insurance at your last renewal there may be better deals available now. Forget anything you know (or think you know) about auto insurance because I’m going to teach you the quickest way to find better rates and still maintain coverage.

Buy auto insurance online

There are a variety of methods to compare auto insurance quotes, and some are easier and takes less work. You can waste hours driving to agents in your area, or you could save time and use the web to get pricing more quickly.

Most of the best insurance companies participate in an industry program that enables customers to send in one quote, and each participating company returns a rated price based on that data. This saves time by eliminating quote requests for each company. To fill out one form to compare multiple rates now click here to open in new window.

The single downside to pricing coverage this way is that consumers can’t choose the providers you will receive quotes from. So if you prefer to choose specific insurance companies to compare rates, we have assembled a list of the cheapest auto insurance companies in your area. Click here to view list.

The approach you take is up to you, just double check that you are using exactly the same quote information for each quote you get. If you are comparing different liability limits it will be very difficult to determine the lowest rate for your Toyota Celica. Having just a slight variation in limits can make a big difference in price. Just remember that more quotes will improve the odds of getting the best offered rates.

Ads can be misleading

Companies like Allstate, Geico and Progressive regularly use ads on TV and radio. All the companies have a common claim about savings if you switch your coverage to them. Is it even possible that every company can save you money? This is the way they can do it.

Many companies have specific characteristics for the type of driver that earns them a profit. For example, this type of driver may need to be a married female, is a homeowner, and the vehicle is rated for pleasure use. Any person who fits those characteristics will get very good premium rates and most likely will save if they switch.

Potential insureds who don’t measure up to those criteria will be charged more expensive rates and ends up with the prospect going elsewhere. If you pay attention, the ads say “drivers who switch” but not “all drivers who get quotes” save money. That is how insurance companies can confidently state the savings. This illustrates why it is so important to compare quotes as often as possible. It’s impossible to know with any certainty which company will fit you best based on your risk profile.

Find hidden discounts to get affordable auto insurance quotes

Insurance can be prohibitively expensive, but you may find discounts to help offset the cost. Larger premium reductions will be automatically applied at the time you complete a quote, but occassionally some discounts must be manually applied in order for you to get them.

  • Discount for Multiple Policies – If you have multiple policies with one company you may save at least 10 to 15 percent or more.
  • Defensive Driver Discount – Completing a course teaching safe driver skills could possibly earn you a 5% discount if your company offers it.
  • Federal Government Employee – Employees or retirees of the government may qualify for a discount when you quote car insurance on Celica insurance but check with your company.
  • Military Discounts – Having a deployed family member could mean lower premium rates.
  • Own a Home and Save – Owning your own home or condo can earn you a little savings since owning and maintaining a home is proof that your finances are in order.
  • Driver’s Education for Students – Require your teen driver to enroll in driver’s education if it’s offered in school.
  • College Student – Any of your kids who live away from home to go to college and do not have a car could qualify for this discount.
  • Safe Driver Discount – Drivers who don’t get into accidents can get discounts for up to 45% lower rates on Celica insurance compared to rates paid by drivers with frequent claims.

Keep in mind that most discount credits are not given the the whole policy. Most only reduce the price of certain insurance coverages like physical damage coverage or medical payments. If you do the math and it seems like adding up those discounts means a free policy, auto insurance companies aren’t that generous.

A list of companies and their offered discounts can be found below.

  • Geico policyholders can earn discounts including anti-theft, multi-vehicle, membership and employees, emergency military deployment, and multi-policy.
  • MetLife offers discounts including accident-free, good driver, claim-free, defensive driver, and multi-policy.
  • Progressive has discounts for continuous coverage, multi-vehicle, online signing, homeowner, good student, and online quote discount.
  • Travelers includes discounts for student away at school, good student, multi-policy, continuous insurance, IntelliDrive, home ownership, and early quote.
  • SAFECO offers discounts for multi-car, safe driver, accident prevention training, teen safety rewards, homeowner, anti-theft, and teen safe driver.
  • AAA discounts include anti-theft, multi-car, education and occupation, good driver, good student, pay-in-full, and AAA membership discount.

Double check with every company which discounts can lower your rates. Savings might not be offered on policies everywhere. To choose providers who offer auto insurance discounts, follow this link.

Tailor your auto insurance coverage to you

When it comes to buying coverage for your vehicles, there is no “perfect” insurance plan. Every situation is different.

These are some specific questions could help you determine if your situation would benefit from professional advice.

  • When should I remove comp and collision on my 1990 Toyota Celica?
  • Can I rate high risk drivers on liability-only vehicles?
  • Am I covered by my spouse’s policy after a separation?
  • Do I pay less if my vehicle is kept in my garage?
  • Do I need added coverage for expensive stereo equipment?
  • Will my rates increase for filing one claim?
  • What is high-risk coverage and where do I buy it?
  • Is my trailer covered?
  • Are split liability limits better than a combined single limit?

If you’re not sure about those questions then you might want to talk to an agent. If you want to speak to an agent in your area, take a second and complete this form.

Insurance policy specifics

Understanding the coverages of insurance can help you determine which coverages you need and the correct deductibles and limits. The terms used in a policy can be ambiguous and coverage can change by endorsement.

Auto collision coverage

Collision coverage pays for damage to your Celica resulting from colliding with another vehicle or an object, but not an animal. You have to pay a deductible then your collision coverage will kick in.

Collision insurance covers things like backing into a parked car, crashing into a ditch, hitting a mailbox and sideswiping another vehicle. Collision coverage makes up a good portion of your premium, so consider removing coverage from lower value vehicles. It’s also possible to raise the deductible to bring the cost down.

Comprehensive coverages

This pays for damage OTHER than collision with another vehicle or object. You first have to pay a deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage protects against things like damage from flooding, hail damage, damage from a tornado or hurricane, fire damage and hitting a deer. The maximum payout a insurance company will pay at claim time is the cash value of the vehicle, so if the vehicle is not worth much it’s probably time to drop comprehensive insurance.

Liability auto insurance

This will cover injuries or damage you cause to other’s property or people that is your fault. It protects YOU against claims from other people, and doesn’t cover your own vehicle damage or injuries.

It consists of three limits, per person bodily injury, per accident bodily injury, and a property damage limit. Your policy might show policy limits of 100/300/100 that means you have a $100,000 limit per person for injuries, a per accident bodily injury limit of $300,000, and $100,000 of coverage for damaged propery.

Liability can pay for things such as repair costs for stationary objects, legal defense fees, medical expenses, emergency aid and bail bonds. How much liability should you purchase? That is your choice, but consider buying as high a limit as you can afford.

Coverage for medical payments

Coverage for medical payments and/or PIP reimburse you for immediate expenses for hospital visits, dental work, chiropractic care, surgery and ambulance fees. They are used to cover expenses not covered by your 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 being hit by a car walking across the street. Personal Injury Protection is not universally available and may carry a deductible

Uninsured and underinsured coverage

Your UM/UIM coverage protects you and your vehicle when the “other guys” do not carry enough liability coverage. Covered claims include medical payments for you and your occupants as well as your vehicle’s damage.

Since a lot of drivers have only the minimum liability required by law, it doesn’t take a major accident to exceed their coverage limits. So UM/UIM coverage is important protection for you and your family.

Pennies from heaven

We’ve covered a lot of information how to compare 1990 Toyota Celica insurance rates online. The key thing to remember is the more times you quote, the more likely it is that you will get a better rate. You may be surprised to find that the biggest savings come from a small local company.

A few companies may not have the ability to get a quote online and these smaller companies only sell through independent agents. Low-cost 1990 Toyota Celica insurance can be bought from both online companies and also from your neighborhood agents, so you need to compare both to have the best selection.

People change insurance companies for many reasons like denial of a claim, an unsatisfactory settlement offer, delays in paying claims and even not issuing a premium refund. It doesn’t matter why you want to switch finding a great new company is pretty easy and you might even save some money in the process.

Additional car insurance information can be found at the links below