Compare 1996 Toyota Paseo Insurance Quotes

Searching for the cheapest car insurance rates for your Toyota Paseo? Are you irritated from trying to scrape together enough money to pay high car insurance rates every month? You have the same problem as the majority of other drivers.

Because there are so many car insurance companies to choose from, it can be hard to pick the best insurance company.

You should take the time to compare premium rates once or twice a year because car insurance prices trend upward over time. Just because you had the best rates for Paseo insurance last year other companies may now be cheaper. Ignore everything you know about car insurance because I’m going to teach you one of the best ways to save money, get proper coverage and the best rates.

Save with with these discounts

Companies offering auto insurance do not list every discount they offer very well, so below is a list some of the more common in addition to some of the lesser obvious discounts you could be receiving when you buy car insurance online.

  • Accident Waiver – This isn’t a discount exactly, but some insurance companies will let one accident slide without the usual rate increase so long as you are claim-free for a set time period.
  • Safety Course Discount – Completing a course in defensive driving could save 5% or more if you qualify.
  • Seat Belt Discounts – Drivers who require all vehicle occupants to fasten their seat belts can save up to 15% on medical payment and PIP coverage.
  • Discount for Passive Restraints – Options like air bags or automatic seat belts can receive discounts of 20% or more.
  • Distant College Student Discount – College-age children who are attending college without a vehicle on campus may be insured at a cheaper rate.

We need to note that most discount credits are not given to your bottom line cost. The majority will only reduce individual premiums such as comprehensive or collision. Just because you may think you would end up receiving a 100% discount, company stockholders wouldn’t be very happy.

The best insurance coverage companies and some of their more popular discounts are included below.

  • Geico offers premium reductions for defensive driver, five-year accident-free, driver training, air bags, military active duty, anti-theft, and multi-vehicle.
  • USAA offers discounts for safe driver, driver training, new vehicle, loyalty savings, and multi-vehicle.
  • Progressive may include discounts for multi-policy, multi-vehicle, good student, online quote discount, and online signing.
  • American Family has savings for air bags, mySafetyValet, good driver, accident-free, bundled insurance, and good student.
  • Esurance offers discounts including renters, emergency road assistance, good student, defensive driver, safety device, and online quote.
  • Farmers Insurance may offer discounts for good student, homeowner, early shopping, switch companies, mature driver, alternative fuel, and bundle discounts.
  • State Farm policyholders can earn discounts including Steer Clear safe driver discount, defensive driving training, safe vehicle, multiple autos, and anti-theft.

When quoting, ask every insurance company how many discounts you can get. Savings might not be offered on policies in your area. To see companies with the best insurance coverage discounts, click this link.

Your situation helps dictate your coverage

When buying adequate coverage, there is no cookie cutter policy. Coverage needs to be tailored to your specific needs and your policy should reflect that. Here are some questions about coverages that may help you determine if you would benefit from an agent’s advice.

  • What if I don’t agree with a claim settlement offer?
  • When does my teenage driver need to be added to my policy?
  • How can I get high-risk coverage after a DUI?
  • How high should deductibles be on a 1996 Toyota Paseo?
  • Can my teen driver be rated on a liability-only vehicle?
  • What is medical payments coverage?
  • Does my liability insurance cover pulling a trailer or camper?
  • What is an SR-22 filing?
  • Is upholstery damage covered by car insurance?
  • Is rental equipment covered for theft or damage?

If you can’t answer these questions but you think they might apply to your situation then you might want to talk to an agent. To find an agent in your area, take a second and complete this form or click here for a list of auto insurance companies in your area.

Ads can be misleading

Auto insurance companies such as State Farm, Allstate and Geico seem to constantly run ads on TV and radio. All the companies advertise the message that you’ll save big just by switching your policy. How do they all claim to save you money? Here is the trick they use.

Insurance providers are able to cherry pick for the type of customer that is profitable for them. For instance, a preferred risk may need to be over the age of 40, has no prior claims, and drives less than 7,500 miles a year. Any customer who matches that profile will get low rates and most likely will cut their rates substantially.

Drivers who do not match the ideal profile will see a more expensive rate with the end result being business going elsewhere. Company advertisements say “customers that switch” not “everybody who quotes” can get the lowest rates when switching. This is how companies can truthfully advertise the savings.

Different companies use different criteria so it’s extremely important to get a wide range of price quotes. It’s just too difficult to predict which auto insurance company will give you lower rates than your current company.

Car insurance 101

Having a good grasp of a car insurance policy aids in choosing the right coverages for your vehicles. Policy terminology can be impossible to understand and nobody wants to actually read their policy. These are typical coverage types found on most car insurance policies.

Medical payments and PIP coverage

Med pay and PIP coverage provide coverage for immediate expenses such as pain medications, rehabilitation expenses and hospital visits. The coverages can be used to fill the gap from your health insurance plan or if there is no health insurance coverage. It covers you and your occupants as well as any family member struck as a pedestrian. Personal Injury Protection is not available in all states and gives slightly broader coverage than med pay

Auto collision coverage

Collision insurance covers damage to your Paseo caused by collision with an object or car. You will need to pay your deductible then your collision coverage will kick in.

Collision insurance covers things such as sustaining damage from a pot hole, colliding with another moving vehicle, colliding with a tree, driving through your garage door and rolling your car. Collision is rather expensive coverage, so you might think about dropping it from vehicles that are older. Drivers also have the option to raise the deductible to get cheaper collision coverage.

UM/UIM (Uninsured/Underinsured Motorist) coverage

Uninsured or Underinsured Motorist coverage protects you and your vehicle’s occupants when the “other guys” are uninsured or don’t have enough coverage. It can pay for injuries sustained by your vehicle’s occupants and also any damage incurred to your Toyota Paseo.

Since a lot of drivers only purchase the least amount of liability that is required, it only takes a small accident to exceed their coverage. So UM/UIM coverage is important protection for you and your family. Normally these coverages are identical to your policy’s liability coverage.

Auto liability insurance

This coverage will cover injuries or damage you cause to a person or their property in an accident. This insurance protects YOU against other people’s claims. It does not cover damage sustained by your vehicle in an accident.

Liability coverage has three limits: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. Your policy might show policy limits of 100/300/100 which means a limit of $100,000 per injured person, a limit of $300,000 in injury protection per accident, and a total limit of $100,000 for damage to vehicles and property. Alternatively, you may have a combined single limit or CSL which limits claims to one amount with no separate limits for injury or property damage.

Liability coverage pays for claims such as emergency aid, structural damage and funeral expenses. How much coverage you buy is a decision to put some thought into, but consider buying as much as you can afford.

Comprehensive auto coverage

This coverage covers damage OTHER than collision with another vehicle or object. You first must pay your deductible and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive coverage protects against things such as hitting a deer, a broken windshield and damage from flooding. The maximum payout you’ll receive from a claim is the cash value of the vehicle, so if the vehicle is not worth much consider removing comprehensive coverage.

More choices the merrier

Budget-conscious 1996 Toyota Paseo insurance is attainable online in addition to many insurance agents, so you need to shop car insurance with both so you have a total pricing picture. Some insurance companies may not offer the ability to get a quote online and usually these small, regional companies only sell coverage through independent insurance agents.

When getting car insurance quotes online, you should never reduce coverage to reduce premium. There are too many instances where drivers have reduced liability limits or collision coverage and found out when filing a claim they didn’t have enough coverage. Your focus should be to buy enough coverage at the best price but still have enough coverage for asset protection.

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