View 1999 Toyota Celica Insurance Cost

Looking for cheaper car insurance rates for your Toyota Celica? No one in their right mind likes buying car insurance, especially when they know the price is too high. People have multiple insurance companies to insure vehicles with, and although it’s nice to have multiple companies, so many choices can make it hard to compare rates and cut insurance costs.

You should make it a habit to compare prices occasionally because car insurance prices go up and down regularly. If you had the lowest price on Celica coverage on your last policy the chances are good that you can find a lower rate today. Ignore everything you know about car insurance because you’re about to find out the only way to save money, get proper deductibles and limits, all at the lowest rate.

The easiest way to compare car insurance rates is to take advantage of the fact almost all companies will pay a fee to give you rate quotes. To get started, all you need to do is spend a couple of minutes providing details like the year, make and model of vehicles, if you are currently licensed, your occupation, and if a SR-22 is required. Those rating factors gets transmitted to many different companies and you receive quotes very quickly.

Auto insurance companies offer many discounts

Not many people think insurance is cheap, but you may be missing some discounts that you may not even be aware of. Certain reductions will be credited when you purchase, but some need to be asked about in order for you to get them. If you do not check that you are getting every discount available, it’s possible you qualify for a lower rate.

• Sign Online – A handful of auto insurance companies will discount your bill up to fifty bucks for completing your application on their website.
• Good Student Discount – Being a good student can earn a discount of 20% or more. Earning this discount can benefit you until age 25.
• College Student – Any of your kids living away from home attending college and do not take a car to college can receive lower rates.
• Auto/Home Discount – If you can bundle your auto and homeowners insurance with one company you could earn a discount of up to 20% and get you affordable insurance.
• Anti-lock Brake System – Cars and trucks with ABS and/or traction control can avoid accidents so companies give up to a 10% discount.
• Anti-theft Discount – Vehicles that have factory alarm systems and tracking devices prevent vehicle theft so companies will give you a small discount.

As a footnote on discounts, most credits do not apply to the entire policy premium. Some only reduce the cost of specific coverages such as physical damage coverage or medical payments. Just because it seems like adding up those discounts means a free policy, you won’t be that lucky.

The best auto insurance companies and their offered discounts are:

• Geico includes discounts for military active duty, air bags, federal employee, five-year accident-free, and multi-vehicle.
• SAFECO offers discounts including teen safe driver, teen safety rewards, anti-lock brakes, bundle discounts, and multi-car.
• State Farm offers premium reductions for multiple autos, defensive driving training, good student, passive restraint, driver’s education, and good driver.
• MetLife may have discounts that include good driver, good student, claim-free, defensive driver, accident-free, multi-policy
• 21st Century policyholders can earn discounts including theft prevention, early bird, anti-lock brakes, good student, automatic seat belts, defensive driver, and student driver.
• Progressive has savings for multi-vehicle, online signing, good student, homeowner, continuous coverage, multi-policy, and online quote discount.

When getting a coverage quote, ask every insurance company the best way to save money. Some discounts listed above may not apply to policies in every state. For a list of providers offering auto insurance discounts, click here to view.

Do I just need basic coverages?

When buying the right insurance coverage, there isn’t really a one size fits all plan. Coverage needs to be tailored to your specific needs and your policy should reflect that. Here are some questions about coverages that might help in determining whether you could use an agent’s help.

• Can I rent a car in Mexico?
• Should I sign the liability waiver when renting a car?
• Does my car insurance cover rental cars?
• Why am I be forced to buy a membership to get insurance from some companies?
• Exactly who is provided coverage by my policy?
• What is the minimum liability in my state?
• Are my tools covered if they get stolen from my vehicle?
• What is PIP insurance?

If you don’t know the answers to these questions, then you may want to think about talking to a licensed agent. If you don’t have a local agent, complete this form or you can also visit this page to select a carrier It only takes a few minutes and you can get the answers you need.

Coverage specifics

Having a good grasp of your policy helps when choosing the best coverages for your vehicles. Policy terminology can be confusing and coverage can change by endorsement. Shown next are typical coverages found on most insurance policies.

Liability auto insurance – This will cover damages or injuries you inflict on people or other property in an accident. It protects YOU from legal claims by others. Liability doesn’t cover damage to your own property or vehicle.

Coverage consists of three different limits, per person bodily injury, per accident bodily injury, and a property damage limit. Your policy might show values of 50/100/50 that means you have a limit of $50,000 per injured person, $100,000 for the entire accident, and a total limit of $50,000 for damage to vehicles and property. Some companies may use a combined limit that pays claims from the same limit and claims can be made without the split limit restrictions.

Liability coverage protects against things such as bail bonds, structural damage, medical expenses and court costs. How much liability coverage do you need? That is a personal decision, but consider buying higher limits if possible.

Medical expense coverage – Personal Injury Protection (PIP) and medical payments coverage provide coverage for immediate expenses for things like doctor visits, prosthetic devices, EMT expenses and dental work. The coverages can be used to cover expenses not covered by your health insurance policy or if you lack health insurance entirely. They cover not only the driver but also the vehicle occupants as well as if you are hit as a while walking down the street. PIP coverage is not an option in every state and may carry a deductible

Collision coverages – Collision coverage will pay to fix damage to your Celica caused by collision with an object or car. You have to pay a deductible and then insurance will cover the remainder.

Collision coverage protects against claims such as backing into a parked car, crashing into a building, colliding with another moving vehicle and sustaining damage from a pot hole. Collision coverage makes up a good portion of your premium, so analyze the benefit of dropping coverage from vehicles that are older. You can also increase the deductible to save money on collision insurance.

Uninsured or underinsured coverage – This coverage protects you and your vehicle’s occupants from other drivers when they either have no liability insurance or not enough. Covered claims include hospital bills for your injuries as well as damage to your Toyota Celica.

Since a lot of drivers only carry the minimum required liability limits, their limits can quickly be used up. That’s why carrying high Uninsured/Underinsured Motorist coverage should not be overlooked. Usually these coverages are identical to your policy’s liability coverage.

Comprehensive protection – This covers damage from a wide range of events other than collision. A deductible will apply then your comprehensive coverage will pay.

Comprehensive insurance covers claims such as falling objects, hitting a deer, fire damage, vandalism and theft. The maximum payout your insurance company will pay is the ACV or actual cash value, so if the vehicle is not worth much it’s not worth carrying full coverage.