1997 Toyota Previa Insurance Quotes

Trying to find cheaper insurance rates for your Toyota Previa? No normal person likes paying for insurance, in particular when it costs too dang much. Consumers have many auto insurance companies to pick from, and even though it’s nice to be able to choose, so many choices can make it hard to find a good deal.

Affordable car insurance

Finding more affordable 1997 Toyota Previa car insurance rates is actually easier than you may think. You just need to spend a few minutes comparing price quotes from some recommended companies. Price comparisons can be done by using one of the methods below.

  1. The most recommended method consumers can analyze rates is a comparison rater form like this one (opens in new window). This method keeps you from doing multiple quote forms to each individual car insurance company. In just a few minutes this one form gets coverage cost estimates direct from many companies.
  2. Another way to find lower rates requires a trip to each company website and repeat the quote process again and again. For instance, let’s assume you want to get rates from Nationwide, 21st Century and Liberty Mutual. To get rate quotes you would need to spend time going to each site individually to enter your coverage information, which is why first method is reommended. For a handy list of car insurance company links in your area, click here.
  3. The least efficient and most time consuming way to find cheaper rates is to waste gas driving to different agent offices. Comparing online rate quotes eliminates this option unless your situation requires the guidance that only an agent can give. However, consumers can price shop online but still have the advice of a local agent.

You can choose any of those ways to find more affodable coverage, but do your best to enter equivalent coverages for each quote you get. If you enter different values for each quote it’s impossible to determine the lowest rate for your Toyota Previa.

Discounts to earn affordable auto insurance rates

Auto insurance is not cheap nor is it fun to buy but you might already qualify for some discounts that can drop the cost substantially. Certain reductions will be credited at the time of purchase, but some discounts are required to be asked for before being credited.

  • Driver Training Discounts – Taking part in a class that teaches defensive driver techniques could possibly earn you a 5% discount and easily pay for the cost of the class.
  • One Accident Forgiven – This one isn’t a discount, but a few companies such as Progressive, Allstate, and Liberty Mutual may permit one accident before they charge you more for coverage if you are claim-free prior to the accident.
  • Drivers Education – Make teen driver coverage more affordable by requiring them to take driver’s ed class in high school.
  • Student Discounts – Performing well in school can earn a discount of 20% or more. The discount lasts until age 25.
  • Anti-theft Discount – Anti-theft and alarm system equipped vehicles are stolen less frequently and can earn a small discount on your policy.

While discounts sound great, it’s important to understand that most discount credits are not given the the whole policy. The majority will only reduce the price of certain insurance coverages like comp or med pay. If you do the math and it seems like you would end up receiving a 100% discount, you aren’t that lucky.

Large auto insurance companies and some of their more popular discounts can be read below.

  • State Farm policyholders can earn discounts including Steer Clear safe driver discount, accident-free, defensive driving training, good student, good driver, Drive Safe & Save, and multiple policy.
  • Geico offers premium reductions for multi-policy, driver training, military active duty, daytime running lights, air bags, defensive driver, and federal employee.
  • Progressive has discounts for multi-policy, good student, continuous coverage, online signing, and online quote discount.
  • 21st Century offers discounts for automatic seat belts, anti-lock brakes, 55 and older, early bird, student driver, and homeowners.
  • American Family includes discounts for multi-vehicle, accident-free, good driver, early bird, TimeAway discount, and mySafetyValet.
  • The Hartford offers discounts including defensive driver, vehicle fuel type, air bag, good student, driver training, bundle, and anti-theft.
  • AAA discounts include education and occupation, multi-car, good driver, AAA membership discount, anti-theft, pay-in-full, and good student.

When comparing rates, check with each company to apply every possible discount. Some of the discounts discussed earlier may not apply to policyholders in every state. If you would like to view companies with the best discounts, click here.

Components of your Toyota Previa insurance prices

Multiple criteria are part of the equation when pricing auto insurance. Some are obvious like an MVR report, but other criteria are more obscure such as your marital status or how financially stable you are.Consumers need to have an understanding of the factors that are used to determine the level of your policy premiums. If you have some idea of what determines premiums, this enables informed choices that could help you find better car insurance rates.

  • Which gender costs less? – Statistics have proven that men are more aggressive behind the wheel. However, this does not mean women are BETTER drivers than men. Women and men have fender benders at about the same rate, but the males cause more damage. Not only that, but men also receive more costly citations like driving under the influence (DUI).
  • Improve your credit history – Credit score is a big factor in determining what you pay for car insurance. If your credit rating leaves room for improvement, you could be paying less to insure your 1997 Toyota Previa if you improve your credit rating. Drivers with high credit ratings tend to file fewer claims than drivers with lower credit ratings.
  • Pleasure use saves money – The more miles you rack up on your Toyota in a year the higher your rates will be. The majority of insurers calculate rates based on their usage. Autos that are left in the garage get more affordable rates than vehicles that have high annual mileage. It’s a smart idea to ensure your car insurance policy is rated on annual mileage. A policy that improperly rates your Previa is just wasting money.
  • Don’t skimp on liability protection – A critical coverage on your policy, liability insurance is the protection when you are found liable for an accident. Your liability coverage provides for a legal defense which can cost thousands of dollars. Liability insurance is quite affordable when compared to the cost of physical damage coverage, so insureds should have plenty of protection for their assets.
  • Stay claim-free and lower car insurance rates – Auto insurance companies provide better rates to policyholders who only file infrequent claims. If you are a frequent claim filer, you can definitely plan on higher premiums or even policy non-renewal. Your insurance policy is intended to be relied upon for larger claims.
  • Do thieves like your car? – Purchasing a vehicle that has an advanced theft prevention system can save you some money. Anti-theft devices such as GM’s OnStar, tamper alarm systems and vehicle immobilizers can help prevent car theft and help bring rates down.
  • Youthful driver insurance rates – Inexperience drivers have a tendency to be easily distracted with other occupants in the car therefore car insurance rates are much higher. Mature drivers are shown to be more cautious, cost insurance companies less in claims , and are generally more financially stable.
  • How’s your driving record? – Getting just one ticket can increase the cost of insurance by as much as twenty percent. Attentive drivers receive lower rates compared to drivers with tickets. Drivers who get flagrant citations such as hit and run, DWI or reckless driving convictions may be required to submit a SR-22 or proof of financial responsibility with their state DMV in order to legally drive a vehicle.

Tailor your auto insurance coverage to you

When it comes to choosing the best auto insurance coverage, there isn’t really a one size fits all plan. Everyone’s situation is a little different and your policy should reflect that. Here are some questions about coverages that could help you determine whether your personal situation could use an agent’s help.

  • Exactly who is provided coverage by my policy?
  • How can I get high-risk coverage after a DUI?
  • Do I really need UM/UIM coverage?
  • Can I make deliveries for my home business?
  • Does my car insurance cover rental cars?
  • Are my tools covered if they get stolen from my vehicle?

If you’re not sure about those questions, you may need to chat with an insurance agent. To find an agent in your area, simply complete this short form or go to this page to view a list of companies. It is quick, free and you can get the answers you need.

The largest companies are not always cheapest

Consumers can’t escape the ads for cheaper insurance from the likes of State Farm, Allstate and Geico. They all make the same claim that drivers will save a bundle after switching to them.

But how can every company give you a better price? You have to listen carefully.

Many companies can use profiling for a prospective insured that will most likely be profitable. One example of a desirable risk might be a married male, has no tickets, and drives a car with an anti-theft system. Anybody who meets those qualifications will get the preferred rates and will most likely save some money.

Consumers who are not a match for those standards may be forced to pay a higher premium and ends up with the customer buying from a different company. The ads say “customers that switch” not “everybody who quotes” can get the lowest rates when switching. That is how companies can truthfully advertise the way they do.

This really illustrates why you really need to compare rate quotes every year. You cannot predict the company that will give you the biggest savings.

Insurance policy specifics

Learning about specific coverages of a insurance policy can help you determine appropriate coverage and proper limits and deductibles. The coverage terms in a policy can be impossible to understand and even agents have difficulty translating policy wording. Listed below are typical coverages available from insurance companies.

Collision coverage

Collision insurance pays for damage to your Previa resulting from colliding with an object or car. You first must pay a deductible and the rest of the damage will be paid by collision coverage.

Collision can pay for things such as sustaining damage from a pot hole, backing into a parked car, crashing into a ditch and sideswiping another vehicle. Collision coverage makes up a good portion of your premium, so you might think about dropping it from vehicles that are older. You can also choose a higher deductible in order to get cheaper collision rates.

Comprehensive coverage (or Other than Collision)

This will pay to fix damage that is not covered by collision coverage. A deductible will apply and then insurance will cover the rest of the damage.

Comprehensive insurance covers things such as a broken windshield, rock chips in glass, damage from a tornado or hurricane, damage from getting keyed and hail damage. The maximum payout 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.

Insurance for medical payments

Medical payments and Personal Injury Protection insurance kick in for immediate expenses such as ambulance fees, rehabilitation expenses, funeral costs and hospital visits. The coverages can be utilized in addition to your health insurance program or if there is no health insurance coverage. Medical payments and PIP cover you and your occupants as well as if you are hit as a while walking down the street. PIP is not available in all states and gives slightly broader coverage than med pay

Uninsured Motorist or Underinsured Motorist insurance

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

Due to the fact that many drivers have only the minimum liability required by law, it only takes a small accident to exceed their coverage. So UM/UIM coverage is a good idea. Most of the time these limits are identical to your policy’s liability coverage.

Liability car insurance

Liability insurance can cover injuries or damage you cause to other people or property in an accident. It protects YOU against other people’s claims. It does not cover your own vehicle damage or injuries.

Liability coverage has three limits: bodily injury per person, bodily injury per accident and property damage. Your policy might show policy limits of 100/300/100 that means you have $100,000 bodily injury coverage, a total of $300,000 of bodily injury coverage per accident, and property damage coverage for $100,000. Occasionally you may see a combined single limit or CSL that pays claims from the same limit and claims can be made without the split limit restrictions.

Liability coverage pays for claims such as medical services, legal defense fees, repair bills for other people’s vehicles, loss of income and funeral expenses. How much coverage you buy is a personal decision, but consider buying as high a limit as you can afford.

Smart shoppers get results

You just read a lot of tips how to lower your 1997 Toyota Previa insurance prices. It’s most important to understand that the more times you quote, the better likelihood of getting cheap insurance. You may even discover the biggest savings come from some of the lesser-known companies. Regional companies may have significantly lower rates on certain market segments as compared to the big name companies such as Allstate and Progressive.

While you’re price shopping online, never buy less coverage just to save a little money. There have been many situations where an insured cut comprehensive coverage or liability limits only to regret that it was a big mistake. Your strategy should be to purchase plenty of coverage for the lowest price and still be able to protect your assets.

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