Cheaper 2003 Toyota Celica Insurance Quotes

I can’t think of anyone who likes paying for auto insurance, especially when they know they could find better rates elsewhere. Lots of insurance companies contend to insure your vehicles, so it’s not easy to compare every company to get the best rates possible.

Consumers should take time to do rate comparisons before your next renewal because insurance prices change frequently. If you had the best price on Celica coverage a few years ago you will most likely find a better rate today. Forget all the misinformation about auto insurance because I’m going to let you in on the secrets to the easiest way to buy cheaper auto insurance.

If you have a current auto insurance policy or are looking for a new policy, you can learn to shop for the lowest rates and still get good coverage. Choosing the best insurance company for you is easy if you know what you’re doing. Drivers just need to know the best way to get comparison rates online.

Are you earning every discount?

Some insurance providers do not advertise all their discounts in a way that’s easy to find, so the following list contains some of the more common in addition to some of the lesser obvious discounts that may be available.

  • Drive Safe and Save – Insureds who avoid accidents may save up to 50% more on Celica coverage than their less cautious counterparts.
  • Passive Restraints and Air Bags – Vehicles with factory air bags or automatic seat belts could see savings of 25 to 30%.
  • Renewal Discounts – Some insurance companies reward drivers for buying a new policy before your current policy expires. This can save 10% or more.
  • New Car Discount – Insuring a vehicle that is new can save you some money because new vehicles are generally safer.
  • Theft Prevention Discount – Cars and trucks equipped with tracking devices and advanced anti-theft systems help deter theft and will qualify for a discount on a car insurance quote.

It’s important to note that most of the big mark downs will not be given to the overall cost of the policy. Most only apply to the price of certain insurance coverages like medical payments or collision. So even though you would think you can get free auto insurance, auto insurance companies aren’t that generous.

Popular auto insurance companies and a partial list of their discounts are:

  • State Farm may include discounts for anti-theft, accident-free, defensive driving training, passive restraint, student away at school, multiple policy, and Steer Clear safe driver discount.
  • Liberty Mutual discounts include multi-car, good student, new move discount, new vehicle discount, and newly married.
  • American Family offers discounts for defensive driver, mySafetyValet, Steer into Savings, good driver, TimeAway discount, bundled insurance, and good student.
  • Progressive may offer discounts for online signing, good student, homeowner, multi-vehicle, continuous coverage, online quote discount, and multi-policy.
  • Farmers Insurance has savings for homeowner, switch companies, alternative fuel, good student, mature driver, multi-car, and electronic funds transfer.
  • Auto-Owners Insurance has discounts for mature driver, multi-policy, good student, multiple vehicles, safe vehicle, and group or association.
  • SAFECO includes discounts for multi-car, anti-lock brakes, anti-theft, bundle discounts, drive less, teen safety rewards, and homeowner.

When getting a coverage quote, ask all companies you are considering the best way to save money. Discounts may not be available everywhere. For a list of insurers that offer the discounts shown above, follow this link.

Get Toyota Celica insurance at a discount

Many factors are used in the calculation when pricing auto insurance. Some of the criteria are obvious like your driving record, but other criteria are less apparent like your vehicle usage and annual miles driven.

  • Discounts for multiple policies – Most major insurers provide discounts to customers that have more than one policy. It’s known as a multi-policy discount. Even if you’re getting this discount it’s still a good idea to shop around to confirm you are receiving the best rates possible.There is a good possibility that you can save even more than the discount by buying auto insurance from a different company.
  • Job can influence rates – Do you work in a high-stress field? Careers like real estate brokers, social workers and accountants are shown to have higher premium rates attributed to intense work situations and long work days. On the flip side, jobs like farmers, athletes and performers receive lower rates on Celica coverage.
  • Only buy what you need – Policies have extra add-on coverages that you can buy but may not be useful. Coverage for things like coverage for rental cars, towing coverage, and membership fees may be costing you every month. They may seem good when buying your policy, but if you’ve never needed them in the past remove them and pocket the money.
  • Do you have enough liability? – The liability section of your policy will protect you when a jury decides you are liable for causing damage or personal injury in an accident. It provides legal defense which can cost thousands of dollars. Carrying liability coverage is mandatory and cheap when compared to the cost of physical damage coverage, so drivers should make sure they buy enough to cover all assets.
  • Better credit means lower rates – A driver’s credit rating is likely to be a major factor in determining what you pay. Drivers with high credit ratings tend to be less risk to insure than those with lower ratings. If your credit history could use some work, you could potentially save money when insuring your 2003 Toyota Celica by taking the time to improve your credit score.
  • Rate your vehicle for proper use – The more you drive your Toyota in a year the higher your rates will be. Most insurance companies rate vehicles based upon how you use the vehicle. Vehicles that sit idle most of the time get more affordable rates as compared to vehicles used primarily for driving to work. Having the wrong rating on your Celica is throwing money out the window. It’s a good idea to make sure your declarations sheet correctly shows annual mileage.
  • Where you live is a factor – Choosing to live in a small town may provide you with better prices if you are looking for the lowest rates. Fewer drivers translates into fewer accident claims as well as less vandalism and auto theft. People who live in big cities regularly have more aggressive driving styles and higher rates of accident claims. More time commuting statistically corresponds to a higher accident and claim rate.

When in doubt talk to an agent

When buying proper insurance coverage, there really is no single plan that fits everyone. Your needs are not the same as everyone else’s so this has to be addressed. For instance, these questions can help discover whether you would benefit from an agent’s advice.

  • What is roadside assistance coverage?
  • What is the minimum liability in my state?
  • What happens if I owe more than my 2003 Toyota Celica is worth?
  • Does coverage extend to a rental car in a foreign country?
  • How much liability do I need to cover my assets?
  • When would I need additional glass coverage?
  • Do I need higher collision deductibles?
  • Am I covered when renting a car or should I buy coverage from the car rental agency?

If you don’t know the answers to these questions but you think they might apply to your situation, you may need to chat with a licensed agent. If you don’t have a local agent, fill out this quick form or you can also visit this page to select a carrier It only takes a few minutes and can help protect your family.

Don’t believe everything you hear

Consumers can’t get away from ads for insurance coverage savings from the likes of State Farm, Geico and Progressive. All the ads try to convey promises that drivers can save some big amount if you switch your policy.

That’s great but how can every company lower your premium rates?

Insurance companies offer their best rates for the type of customer that will generate a profit. One example of a driver they prefer should be married and over the age of 30, insures multiple vehicles, and the vehicle is rated for pleasure use. A driver that hits that “sweet spot” will get a cheap rate quote and will also pay quite a bit less when switching companies.

Consumers who cannot meet this stringent profile may be required to pay a more expensive rate which leads to business not being written. If you listen to the ad wording, they say “customers that switch” not “all people who quote” save that much money. That’s the way insurance companies can confidently make those statements.

Different companies use different criteria so drivers must get car insurance quotes as often as possible. It’s just not possible to know with any certainty which company will provide you with the cheapest car insurance rates.

Specifics of your insurance policy

Learning about specific coverages of your policy aids in choosing the best coverages and proper limits and deductibles. The terms used in a policy can be confusing and reading a policy is terribly boring. These are the usual coverages found on most insurance policies.

Auto collision coverage

This coverage will pay to fix damage to your Celica resulting from colliding with an object or car. You will need to pay your deductible then the remaining damage will be paid by your insurance company.

Collision insurance covers things such as damaging your car on a curb, scraping a guard rail and hitting a mailbox. Paying for collision coverage can be pricey, so you might think about dropping it from vehicles that are 8 years or older. Another option is to choose a higher deductible to bring the cost down.

Liability car insurance

Liability insurance provides protection from damage that occurs to a person or their property. This coverage protects you against other people’s claims, and doesn’t cover damage to your own property or vehicle.

It consists of three limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. Your policy might show liability limits of 25/50/25 which means $25,000 in coverage for each person’s injuries, a per accident bodily injury limit of $50,000, and property damage coverage for $25,000. Some companies may use a combined single limit or CSL which provides one coverage limit rather than limiting it on a per person basis.

Liability insurance covers claims like attorney fees, court costs and legal defense fees. How much liability coverage do you need? That is up to you, but you should buy as large an amount as possible.

Medical expense insurance

Personal Injury Protection (PIP) and medical payments coverage provide coverage for bills for things like hospital visits, dental work, chiropractic care, doctor visits and pain medications. They are often utilized in addition to your health insurance policy or if there is no health insurance coverage. Coverage applies to you and your occupants as well as any family member struck as a pedestrian. PIP is not an option in every state and gives slightly broader coverage than med pay

Protection from uninsured/underinsured drivers

This provides protection from other drivers when they either are underinsured or have no liability coverage at all. This coverage pays for injuries sustained by your vehicle’s occupants and also any damage incurred to your Toyota Celica.

Because many people have only the minimum liability required by law, their liability coverage can quickly be exhausted. For this reason, having high UM/UIM coverages is important protection for you and your family. Usually your uninsured/underinsured motorist coverages are set the same as your liablity limits.

Comprehensive (Other than Collision)

This pays for damage caused by mother nature, theft, vandalism and other events. A deductible will apply then your comprehensive coverage will pay.

Comprehensive coverage pays for things like hitting a deer, damage from getting keyed, theft and fire damage. The highest amount you can receive from a comprehensive claim is the cash value of the vehicle, so if the vehicle is not worth much it’s not worth carrying full coverage.

More quotes mean more savings

Budget-conscious 2003 Toyota Celica insurance is attainable online and also from your neighborhood agents, and you need to price shop both so you have a total pricing picture. Some auto insurance companies may not provide price quotes online and most of the time these regional carriers work with independent agencies.

As you quote car insurance, it’s not a good idea to reduce coverage to reduce premium. In many instances, someone dropped liability coverage limits and learned later they didn’t purchase enough coverage. Your strategy should be to get the best coverage possible for the lowest price but still have enough coverage for asset protection.

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