1993 Toyota Celica Insurance Rates – 6 Savings Tips

Finding the cheapest insurance for a Toyota Celica can normally be difficult, but you can learn the following methods to save time.

There are more efficient ways to shop for insurance coverage and we’ll show you the quickest way to price shop coverage on a Toyota and obtain the lowest possible price from both online companies and local agents.

How to find cheap insurance

Comparing insurance rates can be a lot of work if you don’t utilize the most efficient way to do it. You could waste time driving to local insurance agents in your area, or you can stay home and use online quotes to accomplish the same thing much quicker.

Most car insurance companies take part in a program where prospective buyers only type in their quote data once, and every company then gives them pricing based on that information. This eliminates the need for repetitive form submissions to each company.

To find out how much you can save on insurance click here (opens in new window).

The one disadvantage to getting quotes like this is buyers cannot specifically choose which providers you want pricing from. If you prefer to choose specific providers to receive pricing from, we put together a list of the cheapest insurance companies in your area. Click to view list.

It doesn’t matter which method you choose, just make sure you use equivalent coverages and limits with every price quote. If you compare differing limits you will not be able to determine which rate is truly the best.

Don’t overlook these six car insurance discounts

Properly insuring your vehicles can get expensive, but you may qualify for discounts to reduce the price significantly. Certain credits will be shown when you quote, but once in a while a discount must be asked for prior to receiving the credit.

  • Federal Employees – Active or retired federal employment can save as much as 8% on Celica insurance depending on your company.
  • Organization Discounts – Participating in a qualifying organization can get you a small discount on your next car insurance statement.
  • Paper-free Discount – Some larger companies provide a small discount get auto insurance on the web.
  • Good Student Discount – Maintaining excellent grades may save as much as 25% on a auto insurance quote. This discount can apply well after school through age 25.
  • Multiple Policy Discount – If you can bundle your homeowners and auto insurance with the same insurance company you may save approximately 10% to 15%.
  • Military Deployment Discount – Being deployed in the military could trigger a small discount.

Remember that most of the big mark downs will not be given to the overall cost of the policy. The majority will only reduce the cost of specific coverages such as medical payments or collision. Despite the appearance that you could get a free car insurance policy, it doesn’t quite work that way.

A few of the larger companies and some of the premium reductions they offer are outlined below.

  • State Farm may offer discounts for multiple autos, safe vehicle, good driver, Steer Clear safe driver discount, good student, driver’s education, and accident-free.
  • Geico offers premium reductions for anti-theft, seat belt use, federal employee, five-year accident-free, military active duty, driver training, and membership and employees.
  • Progressive may have discounts that include online quote discount, good student, multi-policy, continuous coverage, and online signing.
  • 21st Century offers discounts including air bags, automatic seat belts, early bird, theft prevention, student driver, and driver training.
  • American Family policyholders can earn discounts including TimeAway discount, bundled insurance, air bags, defensive driver, Steer into Savings, and early bird.
  • The Hartford has discounts for driver training, defensive driver, bundle, good student, vehicle fuel type, air bag, and anti-theft.
  • AAA discounts include multi-policy, multi-car, good student, anti-theft, AAA membership discount, pay-in-full, and good driver.

When quoting, ask every insurance company the best way to save money. Some of the discounts discussed earlier might not be offered in your area. If you would like to view providers with the best car insurance discounts, click this link.

When to get professional advice

When it comes to choosing adequate coverage, there really is not a “perfect” insurance plan. Every insured’s situation is different.

Here are some questions about coverages that can help discover if your situation will benefit from professional help.

  • Should I buy full coverage?
  • Is a blown tire covered by insurance?
  • Am I covered when renting a car or should I buy coverage from the car rental agency?
  • Is my dog or cat covered if injured in an accident?
  • Is a fancy paint job covered?
  • Should I carry comprehensive and collision coverage?
  • Do I really need UM/UIM coverage?
  • Does my insurance cover damage caused when ticketed for reckless driving?

If you can’t answer these questions, then you may want to think about talking to a licensed insurance agent. If you want to speak to an agent in your area, complete this form. It’s fast, free and you can get the answers you need.

Auto insurance buyers beware

Consumers get pounded daily by advertisements that claim the cheapest premium rates from companies such as Progressive, Geico, Allstate and State Farm. All the companies try to convey promises that drivers can save some big amount if you move your coverage.

How does every auto insurance company give you a lower rate? You have to listen carefully.

Different companies have an ideal profile for the type of driver that will add to their bottom line. A good example of a profitable insured might be described as between the ages of 40 and 55, has no driving citations, and insures a new vehicle. A propective insured who matches those parameters will most likely get cheap premium rates and most likely will pay quite a bit less when switching companies.

Potential insureds who do not fit this stringent profile will probably have to pay higher prices which usually ends up with business not being written. If you pay close attention to the ads, they say “people who switch” but not “all drivers who get quotes” can save as much as they claim. That’s why insurance companies can state the savings.

That is why you should do a price quote comparison at every renewal. Because you never know with any certainty which company will have the lowest rate quotes.

Car insurance 101

Having a good grasp of your policy can help you determine the right coverages and proper limits and deductibles. The coverage terms in a policy can be confusing and reading a policy is terribly boring.

Collision protection

Collision insurance will pay to fix damage to your Celica resulting from a collision 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 coverage pays for things such as driving through your garage door, hitting a mailbox and sideswiping another vehicle. This coverage can be expensive, so analyze the benefit of dropping coverage from vehicles that are 8 years or older. You can also increase the deductible to bring the cost down.

Medical costs insurance

Personal Injury Protection (PIP) and medical payments coverage provide coverage for short-term medical expenses like dental work, funeral costs and hospital visits. They are used to fill the gap from your health insurance program or if you do not have health coverage. They cover both the driver and occupants and also covers if you are hit as a while walking down the street. Personal injury protection coverage is not an option in every state but it provides additional coverages not offered by medical payments coverage

Liability insurance

Liability coverage can cover injuries or damage you cause to a person or their property by causing an accident. 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 100/300/100 which means $100,000 bodily injury coverage, $300,000 for the entire accident, and a total limit of $100,000 for damage to vehicles and property. Occasionally you may see a combined single limit or CSL which limits claims to one amount without having the split limit caps.

Liability can pay for claims like medical services, medical expenses and court costs. How much liability should you purchase? That is a personal decision, but it’s cheap coverage so purchase as high a limit as you can afford.

UM/UIM Coverage

Your UM/UIM coverage protects you and your vehicle’s occupants when the “other guys” do not carry enough liability coverage. This coverage pays for medical payments for you and your occupants as well as damage to your Toyota Celica.

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 is a good idea. Usually these limits are similar to your liability insurance amounts.

Comprehensive or Other Than Collision

This coverage covers damage from a wide range of events other than collision. You first must pay your deductible and then insurance will cover the rest of the damage.

Comprehensive can pay for claims such as a tree branch falling on your vehicle, hail damage, damage from a tornado or hurricane and hitting a bird. The most a car insurance company will pay at claim time is the cash value of the vehicle, so if the vehicle’s value is low it’s not worth carrying full coverage.

Have money to burn

Insureds switch companies for any number of reasons including poor customer service, unfair underwriting practices, denial of a claim or lack of trust in their agent. No matter why you want to switch, finding the right insurance provider is not as hard as you think.

Cheap 1993 Toyota Celica insurance can be found on the web as well as from insurance agents, and you should compare rates from both to have the best rate selection. Some insurance companies do not offer rate quotes online and these regional insurance providers provide coverage only through local independent agents.

In this article, we presented a lot of tips how to lower your 1993 Toyota Celica insurance car insurance rates. It’s most important to understand that the more times you quote, the more likely it is that you will get a better rate. Consumers may even find the lowest car insurance rates come from the least-expected company.

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