Compare 1993 Toyota Previa Car Insurance Quotes

Trying to find the cheapest insurance rates for your Toyota Previa? Have you finally had enough of scraping the payment together to pay insurance each month? You are in the same boat as the majority of other people. Insurance companies such as State Farm and Geico promote their brand names with ad campaigns and it is difficult to separate fact from fiction and effectively compare rates to find the best deal.

If you have insurance now or are shopping for new coverage, you can learn to find better prices and possibly find even better coverage. Buying car insurance is easy if you know what you’re doing. Drivers only need an understanding of the proper methods to shop online.

How to buy auto insurance online

Shopping for lower auto insurance rates is a ton of work if you aren’t aware of the fastest way to get free quotes. You could waste a few hours discussing policy coverages with agents in your area, or you could use the web to maximize your effort.

Most of the larger companies are enrolled in a marketplace that enables customers to enter their coverage request one time, and at least one company then returns a price quote based on that data. This saves time by eliminating quote forms to each company.

To enter your information into the quoting system, click here to open in new window.

The one downside to doing it this way is you are unable to specify the insurers to get quotes from. So if you prefer to choose specific providers to compare, we have assembled a list of the cheapest auto insurance companies in your area. Click here to view list.

You can use whichever method you prefer to find lower rates, just make absolute certain that you use equivalent coverage limits and deductibles for each quote you get. If the quotes have unequal deductibles or liability limits you can’t possibly determine which company has the best rates.

When to get professional advice

When it comes to buying the right insurance coverage for your personal vehicles, there isn’t really a “perfect” insurance plan. Everyone’s needs are different and your policy should reflect that. For example, these questions can aid in determining whether you might need professional guidance.

  • Why do I only qualify for high-risk insurance?
  • What companies insure drivers after a DUI or DWI?
  • How do I buy GAP insurance?
  • Does my medical payments coverage pay my health insurance deductible?
  • Should I buy more coverage than the required minimum liability coverage?
  • Am I missing any policy discounts?
  • Do I need an umbrella policy?
  • What if I total my 1993 Toyota Previa and owe more than it’s worth?
  • Does my insurance cover damage caused when ticketed for reckless driving?
  • Is my trailer covered?

If you don’t know the answers to these questions, you may need to chat with an agent. If you want to speak to an agent in your area, simply complete this short form or click here for a list of insurance coverage companies in your area. It’s fast, doesn’t cost anything and can help protect your family.

Insurance specifics

Knowing the specifics of insurance aids in choosing which coverages you need for your vehicles. Insurance terms can be impossible to understand and coverage can change by endorsement. These are the normal coverages offered by insurance companies.

Comprehensive auto coverage

This coverage will pay to fix damage OTHER than collision with another vehicle or object. You first have to pay a deductible then your comprehensive coverage will pay.

Comprehensive coverage pays for claims like hail damage, hitting a deer, rock chips in glass, a tree branch falling on your vehicle and damage from flooding. The highest amount you can receive from a comprehensive claim is the cash value of the vehicle, so if your deductible is as high as the vehicle’s value consider removing comprehensive coverage.

UM/UIM (Uninsured/Underinsured Motorist) coverage

This coverage protects you and your vehicle’s occupants from other drivers when they either are underinsured or have no liability coverage at all. Covered claims include injuries to you and your family as well as damage to your 1993 Toyota Previa.

Since a lot of drivers have only the minimum liability required by law, it only takes a small accident to exceed their coverage. That’s why carrying high Uninsured/Underinsured Motorist coverage should not be overlooked.

Liability coverages

Liability coverage can cover injuries or damage you cause to a person or their property in an accident. This coverage protects you against other people’s claims, and doesn’t cover damage sustained by your vehicle in an accident.

It consists of three limits, bodily injury per person, bodily injury per accident and property damage. You commonly see values of 25/50/25 which means a limit of $25,000 per injured person, a total of $50,000 of bodily injury coverage per accident, and property damage coverage for $25,000.

Liability coverage pays for claims such as court costs, legal defense fees and bail bonds. How much liability coverage do you need? That is a decision to put some thought into, but consider buying as much as you can afford.

Medical payments and PIP coverage

Personal Injury Protection (PIP) and medical payments coverage kick in for bills for things like ambulance fees, pain medications, rehabilitation expenses and doctor visits. They can be used to fill the gap from your health insurance policy or if there is no health insurance coverage. It covers you and your occupants and will also cover being hit by a car walking across the street. PIP is not an option in every state but it provides additional coverages not offered by medical payments coverage

Collision insurance

This coverage pays for damage to your Previa caused by collision with another vehicle or an object, but not an animal. You will need to pay your deductible and then insurance will cover the remainder.

Collision coverage pays for things such as damaging your car on a curb, crashing into a ditch, driving through your garage door and rolling your car. Paying for collision coverage can be pricey, so consider dropping it from older vehicles. Another option is to bump up the deductible to bring the cost down.