Cheaper 1991 Toyota Celica Car Insurance Rates

Nobody rejoices having to buy insurance coverage, in particular when the prices are way too high. Big companies like State Farm and Geico all claim big savings, bombarding you with advertising and it can be hard to ignore the promise of big savings and find the best price available.

It’s smart to shop coverage around at least once a year because insurance coverage rates go up and down regularly. If you had the lowest rate for Celica coverage on your last policy other companies may now be cheaper. Forget anything you know (or think you know) about insurance coverage because I’m going to teach you the fastest and easiest way to save on insurance coverage.

If you have insurance now or need new coverage, you can use these tips to find better prices while maximizing coverage. Buying car insurance is not rocket science. Consumers just need to understand the proper way to find the lowest price over the internet.

Lower rates by qualifying for discounts

Some insurers don’t list all disounts very well, so below is a list a few of the more common as well as the least known credits available to bring down your rates.

  • ABS Brakes – Cars, trucks, and SUVs with ABS and/or traction control can avoid accidents so companies give up to a 10% discount.
  • Own a Home and Save – Owning a house can save a few bucks since home ownership is proof that your finances are in order.
  • Seat Belts Save – Buckling up and requiring all passengers to buckle their seat belts can save a little on the premium charged for medical payments and/or PIP.
  • Discounts for Federal Employees – Having worked for a branch of the government can earn a discount up to 10% for Celica coverage with a few auto insurance companies.
  • Anti-theft System – Vehicles equipped with tracking devices and advanced anti-theft systems prevent vehicle theft and qualify for as much as a 10% discount.

We need to note that many deductions do not apply to the entire cost. Some only reduce the cost of specific coverages such as comp or med pay. Even though it may seem like all the discounts add up to a free policy, you’re out of luck. But any discount will lower the amount you have to pay.

For a list of companies that offer many of these discounts, follow this link.

How to lower your insurance cost

Shopping for lower insurance rates can be challenging if you aren’t aware of the best way to get rate quotes. You could spend your day talking about coverages with agents in your area, or you can utilize the internet to quickly compare rates.

Many of the larger companies belong to a marketplace where prospective buyers submit one quote, and each participating company provides a quote determined by their information. This prevents consumers from doing form submissions for every insurance company.

To get comparison pricing now click here (opens in new window).

The only drawback to pricing coverage this way is you are unable to specify which providers you want pricing from. If you prefer to choose individual companies to compare rates, we have a listing of the cheapest insurance companies in your area. Click to view list.

Whichever way you choose to compare rates, be sure to compare nearly identical deductibles and coverage limits with each company. If you compare different limits and deductibles on each one you will not be able to decipher which rate is best.

Auto insurance is unique, just like you

When buying the best auto insurance coverage for your personal vehicles, there really is no best way to insure your cars. Each situation is unique and a cookie cutter policy won’t apply. For example, these questions may help you determine whether your personal situation would benefit from an agent’s advice.

  • How much liability do I need to cover my assets?
  • Does coverage extend to my business vehicle?
  • When should my teen driver be added to my policy?
  • Am I covered when pulling a rental trailer?
  • Does my personal policy cover me when driving out-of-state?
  • How high should my medical payments coverage be?
  • Are there companies who specialize in insuring high-risk drivers?
  • Should I waive the damage coverage when renting a car?
  • Am I covered when driving someone else’s vehicle?

If you can’t answer these questions but you think they might apply to your situation, you might consider talking to an agent. If you don’t have a local agent, complete this form or click here for a list of auto insurance companies in your area. It’s fast, doesn’t cost anything and can help protect your family.

Insurance coverages 101

Having a good grasp of your insurance policy can be of help when determining the right coverages and proper limits and deductibles. The terms used in a policy can be impossible to understand and nobody wants to actually read their policy. Shown next are typical coverage types available from insurance companies.

Liability coverages

Liability insurance can cover injuries or damage you cause to a person or their property by causing an accident. It protects YOU from claims by other people, and doesn’t cover your injuries or vehicle damage.

Liability coverage has three limits: bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You might see liability limits of 100/300/100 that translate to a limit of $100,000 per injured person, a per accident bodily injury limit of $300,000, and a limit of $100,000 paid for damaged property. Alternatively, you may have a combined limit which combines the three limits into one amount and claims can be made without the split limit restrictions.

Liability can pay for things like funeral expenses, medical services, structural damage and legal defense fees. The amount of liability coverage you purchase is a personal decision, but buy as much as you can afford.

Comprehensive coverage

Comprehensive insurance coverage will pay to fix damage OTHER than collision with another vehicle or object. You need to pay your deductible first and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive coverage pays for claims such as hitting a bird, damage from getting keyed, a broken windshield, hitting a deer and fire damage. The maximum amount a insurance company will pay at claim time is the cash value of the vehicle, so if the vehicle’s value is low consider dropping full coverage.

Medical payments coverage and PIP

Coverage for medical payments and/or PIP reimburse you for expenses for things like prosthetic devices, funeral costs, doctor visits, EMT expenses and X-ray expenses. They are used to fill the gap from your health insurance policy or if you do not have health coverage. Coverage applies to all vehicle occupants and also covers if you are hit as a while walking down the street. Personal Injury Protection is only offered in select states but it provides additional coverages not offered by medical payments coverage

Collision coverage

Collision coverage covers damage to your Celica resulting from colliding with another vehicle or an object, but not an animal. A deductible applies then your collision coverage will kick in.

Collision can pay for things like backing into a parked car, crashing into a building and sustaining damage from a pot hole. Collision is rather expensive coverage, so you might think about dropping it from vehicles that are 8 years or older. Drivers also have the option to choose a higher deductible in order to get cheaper collision rates.

Uninsured/Underinsured Motorist coverage

Uninsured or Underinsured Motorist coverage gives you protection from other drivers when they either are underinsured or have no liability coverage at all. This coverage pays for medical payments for you and your occupants and also any damage incurred to your Toyota Celica.

Because many people 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 is very important. Frequently your uninsured/underinsured motorist coverages are identical to your policy’s liability coverage.

One last thing

When shopping online for insurance coverage, make sure you don’t skimp on critical coverages to save a buck or two. There have been many cases where an accident victim reduced uninsured motorist or liability limits to discover at claim time that a couple dollars of savings turned into a financial nightmare. Your focus should be to purchase a proper amount of coverage for the lowest cost and still be able to protect your assets.

In this article, we covered a lot of tips how to compare 1991 Toyota Celica insurance car insurance rates online. The key concept to understand is the more you quote insurance coverage, the better likelihood of getting inexpensive insurance coverage. You may even find the biggest savings come from a small mutual company. Smaller companies may have significantly lower premium rates on certain market segments than their larger competitors like Progressive or Geico.

Additional information can be found on the following sites: