2001 Toyota Sequoia Insurance Quotes

Did you come to the realization that you have an overpriced car insurance policy? Believe me, many drivers feel the same as you. Since vehicle owners have many different company options, it can be hard to pick the cheapest car insurance provider.

How to shop car insurance online

Shopping for lower car insurance rates can be exhausting if you don’t understand the most efficient way to do it. You can spend countless hours discussing policy coverages with agents in your area, or you can stay home and use online quotes to get pricing more quickly.

Most of the larger companies enroll in a system that allows shoppers to enter their coverage request one time, and at least one company returns a rated price based on the submitted data. This saves time by eliminating quote requests for every car insurance company.

To submit your quote information now, click to open in new window.

The single downside to doing it this way is that you can’t choose the providers to get quotes from. So if you prefer to choose specific insurance companies to request quotes from, we put together a list of companies who write car insurance in your area. Click here to view list.

It’s your choice how you get your quotes, but be sure to compare nearly identical coverages with each company. If you are comparing mixed coverages it’s impossible to determine the lowest rate for your Toyota Sequoia.

Car insurance can get complicated

When buying the right insurance coverage for your vehicles, there really is no “perfect” insurance plan. Everyone’s needs are different and your policy should reflect that. These are some specific questions can help discover if your insurance needs could use an agent’s help.

• Where can I get insurance after a DUI in my state?
• Am I covered when driving a rental car?
• What if I don’t agree with a claim settlement offer?
• Will my rates increase for filing one claim?
• Am I covered when renting a car or should I buy coverage from the car rental agency?
• How much underlying liability do I need for an umbrella policy?

If you don’t know the answers to these questions but you know they apply to you, you may need to chat with an agent. If you don’t have a local agent, fill out this quick form or click here for a list of car insurance companies in your area. It is quick, free and you can get the answers you need.

Specifics of your auto insurance policy

Understanding the coverages of auto insurance can be of help when determining which coverages you need at the best deductibles and correct limits. The coverage terms in a policy can be ambiguous and coverage can change by endorsement. Below you’ll find typical coverages available from auto insurance companies.

Comprehensive coverage (or Other than Collision)

Comprehensive insurance coverage pays to fix your vehicle from damage from a wide range of events other than collision. You first have to pay a deductible then your comprehensive coverage will pay.

Comprehensive insurance covers things like damage from getting keyed, a broken windshield and a tree branch falling on your vehicle. The maximum payout your auto insurance company will pay is the actual cash value, so if the vehicle is not worth much consider dropping full coverage.

Uninsured Motorist or Underinsured Motorist insurance

Your UM/UIM coverage provides protection from other motorists when they do not carry enough liability coverage. This coverage pays for injuries to you and your family as well as your vehicle’s damage.

Since many drivers only purchase the least amount of liability that is required, it doesn’t take a major accident to exceed their coverage limits. This is the reason having UM/UIM coverage is important protection for you and your family.

Coverage for liability

Liability coverage provides protection from damages or injuries you inflict on other people or property. This insurance protects YOU from legal claims by others, and 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. You commonly see limits of 50/100/50 that means you have $50,000 in coverage for each person’s injuries, a total of $100,000 of bodily injury coverage per accident, and $50,000 of coverage for damaged propery.

Liability coverage protects against claims such as medical expenses, emergency aid and repair costs for stationary objects. How much coverage you buy is a personal decision, but consider buying as much as you can afford.

Auto collision coverage

This pays for damage to your Sequoia from colliding with another vehicle or an object, but not an animal. A deductible applies and then insurance will cover the remainder.

Collision insurance covers things such as rolling your car, sustaining damage from a pot hole and hitting a parking meter. Collision coverage makes up a good portion of your premium, so analyze the benefit of dropping coverage from older vehicles. It’s also possible to increase the deductible to save money on collision insurance.

Insurance for medical payments

Med pay and PIP coverage kick in for immediate expenses for doctor visits, pain medications, chiropractic care and ambulance fees. The coverages can be used in conjunction with a health insurance program or if you lack health insurance entirely. Coverage applies to you and your occupants in addition to any family member struck as a pedestrian. PIP coverage is not an option in every state and may carry a deductible