Compare 1999 Toyota Corolla Insurance Rates

Buyers have a choice when searching for the best price on Toyota Corolla insurance. They can either spend hours driving around to get rate comparisons or use the internet to make rate comparisons.

There is a right way and a wrong way to shop for insurance coverage so we’re going to tell you the absolute fastest way to quote coverages for a new or used Toyota and find the lowest price.

Consumers should take time to do price comparisons quite often since insurance prices go up and down regularly. Even if you got the best price on Corolla insurance on your last policy you can probably find a lower rate today. There is a lot of bad advice regarding insurance coverage out there, but by reading this article, you’re going to learn the best ways to buy insurance coverage cheaper.

First Step: Get free car insurance quotes

There are multiple methods to compare car insurance prices but some are more efficient than others. You could spend your day talking to agents in your area, or you can stay home and use the internet for quick rates.

Many insurance companies participate in a marketplace that enables customers to enter their coverage request one time, and at least one company can provide price quotes based on that data. This eliminates the need for repetitive form submissions for each company.

To compare rates using this form now click here to open in new window.

The one disadvantage to comparing rates this way is you cannot specify the insurers you want to price. If you would rather choose specific providers to compare prices, we put together a list of the cheapest car insurance companies in your area. Click here to view list.

Which method you use is up to you, but be sure to compare equivalent coverages on every quote. If you enter mixed coverages it’s impossible to find the best deal for your Toyota Corolla.

Why you might pay increased rates

It’s important that you understand some of the factors that are used to determine the rates you pay for car insurance. If you have a feel for what influences your rates, this helps enable you to make changes that could help you find big savings.

  • Being married reduces risk – Being married can get you a discount on car insurance. It generally demonstrates drivers are more mature and statistics prove married drivers tend to file fewer claims.
  • Do you really need roadside assistance? – There are a ton of extra bells and whistles that you can get tricked into buying on your car insurance policy. Things like rental car coverage, high-cost glass coverage, and motor club memberships are examples of these. The coverages may be enticing initially, but if you don’t need them eliminate the coverages to reduce your premium.
  • Claim-free discounts can add up – Companies provide lower rates to drivers who do not file claims often. If you are a frequent claim filer, you can expect higher rates. Your insurance policy is intended to be relied upon for the bigger claims that can’t be paid out-of-pocket.
  • Save by driving safer vehicles – Cars with high safety ratings can get you lower premiums. Safer cars help reduce the chance of injuries in an accident and lower rates of occupant injuries means lower claim amounts and lower rates for you. If your Toyota Corolla is rated at least an “acceptable” rating on the Insurance Institute for Highway Safety website or four stars on the National Highway Traffic Safety Administration website you may be receiving a better rate.
  • Discounts for multiple policies – Some insurance companies provide discounts for people who buy several policies from them, otherwise known as a multi-policy discount. Even if you qualify for this discount already, drivers will still want to shop around to help guarantee you have the best rates.
  • More stress means more cost – Do you work in a high-stress field? Jobs like real estate brokers, business owners and financial analysts are shown to have the highest rates attributed to intense work-related stress and incredibly demanding work hours. On the other hand, jobs such as actors, athletes and retirees have the lowest average rates on Corolla insurance.
  • Never let your coverage expire – Driving your car without having proper coverage is a big no-no and companies may charge more for letting your insurance lapse. Not only will you pay more, not being able to provide proof of insurance may result in fines and jail time.
  • Safer vehicles impact prices – Buying a car with anti-theft technology or alarm system can save you a little every year. Theft deterrent systems like LoJack tracking devices, vehicle tamper alarm systems or GM’s OnStar system can thwart vehicle theft.

These discounts can lower your auto insurance quotes

Auto insurance can be pricey, but you may be missing some discounts to help offset the cost. Some discounts will apply at the time of quoting, but once in a while a discount must be asked about prior to getting the savings.

  • Discount for Good Grades – A discount for being a good student can earn a discount of 20% or more. The good student discount can last up to age 25.
  • Passive Restraints and Air Bags – Cars that have air bags and/or automatic seat belt systems may get savings of up to 25% or more.
  • Discount for Low Mileage – Low mileage vehicles could qualify for substantially lower premium rates.
  • Early Switch Discount – A few auto insurance companies offer discounts for signing up prior to your current policy expiration. You may see this discount when you get insurance coverage quotes online.
  • Discounts for Seat Belt Usage – Using a seat belt and requiring all passengers to buckle their seat belts can save up to 10 percent (depending on the company) on medical payment and PIP coverage.
  • Drivers Education – Cut your cost by having your teen driver sucessfully take a drivers education course if offered at their school.
  • ABS Braking Discount – Anti-lock brake equipped vehicles have fewer accidents and earn discounts up to 10%.

Don’t be shocked that most discounts do not apply to your bottom line cost. A few only apply to the cost of specific coverages such as comp or med pay. Despite the appearance that you could get a free auto insurance policy, nobody gets a free ride.

A few of the larger companies and their offered discounts are detailed below.

  • Progressive has discounts for multi-policy, homeowner, online signing, good student, and online quote discount.
  • AAA may offer discounts for AAA membership discount, good driver, good student, education and occupation, multi-policy, and multi-car.
  • Farmers Insurance policyholders can earn discounts including business and professional, mature driver, teen driver, alternative fuel, multi-car, and youthful driver.
  • Geico offers discounts for seat belt use, military active duty, anti-theft, membership and employees, anti-lock brakes, and multi-vehicle.
  • Esurance offers premium reductions for Switch & Save, DriveSense, emergency road assistance, good student, and Pac-12 alumni.
  • SAFECO may have discounts that include safe driver, homeowner, anti-lock brakes, teen safe driver, and multi-car.
  • State Farm includes discounts for good driver, multiple policy, anti-theft, good student, and Steer Clear safe driver discount.

If you need cheaper insurance coverage quotes, ask each company which credits you are entitled to. Depending on the company, some discounts might not be offered in your area. To locate providers who offer auto insurance discounts, click this link.

Different people need different car insurance coverages

When choosing the right insurance coverage, there really is no single plan that fits everyone. Everyone’s situation is unique.

For instance, these questions might point out if you would benefit from an agent’s advice.

  • Do I have newly-aquired coverage?
  • How do I insure my teen driver?
  • How does medical payments coverage work?
  • Does having multiple vehicles earn me a discount?
  • How do I file an SR-22 for a DUI in my state?
  • Is my cargo covered for damage or theft?

If you can’t answer these questions but you know they apply to you, you may need to chat with a licensed insurance agent. To find lower rates from a local agent, complete this form. It is quick, free and may give you better protection.

Learn about car insurance coverages for a Toyota Corolla

Knowing the specifics of a car insurance policy can help you determine the right coverages at the best deductibles and correct limits. The terms used in a policy can be difficult to understand and coverage can change by endorsement.

Coverage for medical payments – Medical payments and Personal Injury Protection insurance reimburse you for bills for doctor visits, rehabilitation expenses, nursing services and hospital visits. They can be used in conjunction with a health insurance policy or if you lack health insurance entirely. It covers not only the driver but also the vehicle occupants and will also cover getting struck while a pedestrian. PIP coverage is not universally available and gives slightly broader coverage than med pay

Uninsured and underinsured coverage – Uninsured or Underinsured Motorist coverage protects you and your vehicle’s occupants from other motorists when they either are underinsured or have no liability coverage at all. Covered losses include medical payments for you and your occupants and damage to your Toyota Corolla.

Because many people only carry the minimum required liability limits, their limits can quickly be used up. That’s why carrying high Uninsured/Underinsured Motorist coverage is a good idea. Usually these limits do not exceed the liability coverage limits.

Liability car insurance – This provides protection from damages or injuries you inflict on people or other property by causing an accident. This coverage protects you against other people’s claims. Liability doesn’t cover your injuries or vehicle damage.

Split limit liability has three limits of coverage: per person bodily injury, per accident bodily injury, and a property damage limit. As an example, you may have liability limits of 50/100/50 that means you have $50,000 in coverage for each person’s injuries, a per accident bodily injury limit of $100,000, and a total limit of $50,000 for damage to vehicles and property. Some companies may use one limit called combined single limit (CSL) which provides one coverage limit with no separate limits for injury or property damage.

Liability insurance covers claims like repair costs for stationary objects, legal defense fees, bail bonds and court costs. How much coverage you buy is a decision to put some thought into, but consider buying as much as you can afford.

Comprehensive coverages – This coverage pays to fix your vehicle from damage OTHER than collision with another vehicle or object. A deductible will apply then the remaining damage will be covered by your comprehensive coverage.

Comprehensive insurance covers things like rock chips in glass, a tree branch falling on your vehicle, a broken windshield, damage from flooding and hitting a deer. The highest amount you can receive from a comprehensive claim is the actual cash value, so if it’s not worth much more than your deductible consider dropping full coverage.

Collision coverage – Collision coverage pays for damage to your Corolla resulting from colliding with an object or car. You first must pay a deductible and then insurance will cover the remainder.

Collision coverage protects against claims such as backing into a parked car, hitting a mailbox, sustaining damage from a pot hole and colliding with a tree. Collision is rather expensive coverage, so consider dropping it from lower value vehicles. It’s also possible to increase the deductible to bring the cost down.

Find Good Coverage for Less

A few companies don’t offer online price quotes and usually these smaller companies only sell coverage through independent insurance agencies. Discount 1999 Toyota Corolla insurance can be sourced on the web and with local insurance agents, so you should compare both in order to have the best chance of saving money.

As you prepare to switch companies, it’s not a good idea to buy poor coverage just to save money. There have been many situations where drivers have reduced liability coverage limits and learned later they didn’t have enough coverage. The goal is to get the best coverage possible for the lowest cost while not skimping on critical coverages.

Insureds who switch companies do it for any number of reasons including an unsatisfactory settlement offer, policy non-renewal, unfair underwriting practices or even high prices. Whatever your reason, switching insurance companies is pretty simple and you could end up saving a buck or two.

Additional information can be found below: