2000 Toyota Celica Insurance Cost – 8 Ideas for Cheapest Prices

Have you had enough of scraping the payment together to keep your car insured? You’re in the same situation as millions of other consumers.

Consumers have many car insurance companies to buy insurance from, and although it’s a good thing to have a selection, lots of choices makes it harder to adequately compare rates.

It’s a good idea to do price comparisons every six months since rates tend to go up over time. Even if you got the best rate for Celica insurance on your last policy there is a good chance you can find better prices now. Ignore everything you know about insurance coverage because you’re going to get a crash course in how to use online quotes to reduce your cost while increasing coverage.

How to compare car insurance quotes

When shopping for cheaper insurance quotes, there are a couple of ways of comparing rates from lots of car insurance companies. The easiest way by far to find competitive Toyota Celica insurance rates consists of obtaining rate quotes online. This can be accomplished in a couple minutes as outlined below.

  1. The easiest and least time consuming way to get quotes would be an industry-wide quote request form click to view form in new window. This type of form prevents you from having to do multiple quote forms for every car insurance company. In just a few minutes this one form gets insurance cost estimates from many national carriers.
  2. A harder way to get comparison quotes is spending the time to visit each company website and complete a new quote form. For examples sake, we’ll pretend you are doing a rate comparison from Liberty Mutual, Safeco and Progressive. You would be required to go to every website to input your insurance information, which explains why we recommend starting with the first method. To view a list of companies in your area, click here.
  3. The last way to compare price quotes is to drive around to insurance agencies in your area. Buying insurance online reduces the need to sit down with an agent unless you’re the type of person who wants the professional advice of a licensed agent. However, consumers can price shop your coverage online and get advice from an agent in your area.

The method you choose is up to you, but make sure you compare the same deductibles and coverage limits for each quote you get. If you are comparing different limits and deductibles on each one it will be nearly impossible to decipher which rate is best. Having just a slight variation in coverage limits could skew the results. And when quoting car insurance, remember that making a lot of price comparisons will improve the odds of getting a lower rate. Not every company provides price estimates online, so it’s necessary to compare prices from them as well.

Eight discounts for cheap insurance rates

Car insurance companies don’t necessarily list every discount very clearly, so we break down a few of the more well known and also the lesser-known discounts that you may qualify for.

  • Student Driver Training – It’s a good idea to have your young drivers complete a driver education course if it’s offered in school.
  • Own a Home and Save – Being a homeowner may earn you a small savings because maintaining a house requires personal responsibility.
  • Buy New and Save – Buying insurance on a new vehicle can save you some money because newer vehicles are generally safer.
  • Passive Restraints and Air Bags – Options like air bags or automatic seat belts can qualify for discounts of 25 to 30%.
  • Multi-policy Discount – When you combine your homeowners and auto insurance with the same company you will save up to 20% off your total premium.
  • Employee of Federal Government – Being employed by or retired from a federal job can earn a discount up to 10% for Celica insurance but check with your company.
  • Defensive Driver – Participating in a class that teaches defensive driver techniques could earn you a small percentage discount depending on where you live.
  • Multi-line Discount – Not every insurance company offers life insurance, but if they do you may earn a break if you buy a life insurance policy as well.

Don’t be shocked that most discounts do not apply to all coverage premiums. A few only apply to the price of certain insurance coverages like liability, collision or medical payments. Despite the appearance that all those discounts means the company will pay you, company stockholders wouldn’t be very happy. But all discounts should help reduce the cost of your policy.

A few popular companies and the discounts they provide are detailed below.

  • State Farm discounts include good driver, multiple autos, Steer Clear safe driver discount, passive restraint, driver’s education, student away at school, and multiple policy.
  • Farmers Insurance includes discounts for electronic funds transfer, early shopping, alternative fuel, bundle discounts, homeowner, switch companies, and multi-car.
  • Geico offers discounts for five-year accident-free, anti-lock brakes, seat belt use, air bags, and multi-vehicle.
  • American Family policyholders can earn discounts including accident-free, air bags, multi-vehicle, defensive driver, mySafetyValet, and bundled insurance.
  • Nationwide may include discounts for easy pay, multi-policy, anti-theft, accident-free, Farm Bureau membership, and business or organization.
  • Progressive offers discounts including multi-vehicle, multi-policy, good student, online quote discount, and online signing.

If you are trying to find low cost insurance quotes, ask every company to give you their best rates. Some discounts listed above may not apply to policyholders in your area.

Tailor your auto insurance coverage to you

When buying adequate coverage, there really is no cookie cutter policy. Your needs are not the same as everyone else’s so your insurance should reflect that For instance, these questions could help you determine if you would benefit from an agent’s advice.

  • If my pet gets injured in an accident are they covered?
  • Will my rates increase for filing one claim?
  • Does my personal policy cover me when driving out-of-state?
  • Are all vehicle passengers covered by medical payments coverage?
  • Should I buy more coverage than the required minimum liability coverage?
  • What companies insure drivers after a DUI or DWI?
  • Is other people’s property covered if stolen from my vehicle?
  • At what point should I drop full coverage?

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 auto insurance companies in your area.

Insurance coverage breakdown

Having a good grasp of your insurance policy helps when choosing appropriate coverage and proper limits and deductibles. Policy terminology can be ambiguous and reading a policy is terribly boring. Below you’ll find typical coverage types available from insurance companies.

Med pay and Personal Injury Protection (PIP)

Coverage for medical payments and/or PIP pay for expenses such as nursing services, funeral costs and EMT expenses. They can be used to cover expenses not covered by your health insurance program or if there is no health insurance coverage. It covers you and your occupants in addition to any family member struck as a pedestrian. Personal Injury Protection is not universally available and gives slightly broader coverage than med pay

Comprehensive insurance

Comprehensive insurance coverage will pay to fix damage from a wide range of events other than collision. You need to pay your deductible first then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage pays for claims such as a tree branch falling on your vehicle, hitting a deer, fire damage and a broken windshield. The maximum payout you’ll receive from a claim is the actual cash value, so if your deductible is as high as the vehicle’s value consider dropping full coverage.

Uninsured/Underinsured Motorist (UM/UIM)

Your UM/UIM coverage protects you and your vehicle from other drivers when they either are underinsured or have no liability coverage at all. This coverage pays for hospital bills for your injuries and damage to your Toyota Celica.

Because many people carry very low liability coverage limits, it only takes a small accident to exceed their coverage. So UM/UIM coverage is a good idea. Most of the time your uninsured/underinsured motorist coverages are similar to your liability insurance amounts.

Collision insurance

Collision coverage will pay to fix damage to your Celica resulting from a collision with an object or car. A deductible applies and then insurance will cover the remainder.

Collision insurance covers claims like colliding with a tree, sustaining damage from a pot hole and crashing into a ditch. This coverage can be expensive, so consider removing coverage from older vehicles. It’s also possible to increase the deductible to bring the cost down.

Coverage for liability

This coverage protects you from damages or injuries you inflict on other’s property or people in an accident. This coverage protects you against other people’s claims. It does not cover damage to your own property or vehicle.

It consists of three limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. Your policy might show values of 100/300/100 which means a $100,000 limit per person for injuries, a total of $300,000 of bodily injury coverage per accident, and $100,000 of coverage for damaged propery. Another option is one limit called combined single limit (CSL) which provides one coverage limit without having the split limit caps.

Liability can pay for claims like medical services, emergency aid, bail bonds and structural damage. The amount of liability coverage you purchase is your choice, but consider buying as large an amount as possible.