2004 Toyota Celica Insurance Quotes

Trying to find better insurance coverage rates for your Toyota Celica? Having to pay for overpriced Toyota Celica insurance can overdraw your personal savings, especially in this economy. Performing a rate comparison can lower your rates and help to lower your bills every month.

Many auto insurance companies compete for your business, so it’s not easy to compare every insurance company to find the cheapest price

It is always a good idea to quote other rates on a regular basis because insurance prices trend upward over time. Despite the fact that you may have had the best price for Celica coverage on your last policy other companies may now be cheaper. Forget anything you know (or think you know) about insurance coverage because I’m going to teach you the best methods to find lower rates on insurance coverage.

Save money with these discounts

The price of auto insurance can be rather high, but there could be available discounts that could help you make your next renewal payment. Some trigger automatically at the time of quoting, but less common discounts must be asked for prior to getting the savings. If you check and find you aren’t receiving every discount you deserve, you could be paying more than you need to.

  • Low Miles Discount – Keeping the miles down on your Toyota may enable drivers to earn slightly better prices than normal.
  • Theft Deterent – Vehicles optioned with advanced anti-theft systems help deter theft and that can save you a little bit as well.
  • Passive Restraints – Vehicles with factory air bags or automatic seat belts can receive discounts of 20 to 30 percent.
  • Discount for Home Ownership – Just being a homeowner can get you a discount because of the fact that having a home requires a higher level of personal finance.
  • Mature Driver Discount – If you’re over the age of 55, you may be able to get a slight reduction on a car insurance quote for Celica coverage.
  • Savings for New Vehicles – Buying coverage on a new vehicle can cost up to 25% less compared to insuring an older model.
  • Discounts for Good Drivers – Insureds who avoid accidents may save up to 50% more for Celica coverage than drivers with accident claims.

You can save money using discounts, but most discounts do not apply to all coverage premiums. Most only apply to specific coverage prices like comp or med pay. So even though you would think adding up those discounts means a free policy, it’s just not the way it works.

A few popular companies and a selection of discounts are detailed below.

  • Progressive offers discounts for online quote discount, continuous coverage, good student, multi-policy, multi-vehicle, and homeowner.
  • MetLife offers discounts including good student, claim-free, good driver, defensive driver, and accident-free.
  • Mercury Insurance has savings for good driver, age of vehicle, ease of repair, annual mileage, good student, multi-car, and accident-free.
  • Nationwide may have discounts that include multi-policy, good student, Farm Bureau membership, accident-free, business or organization, anti-theft, and defensive driving.
  • Geico has discounts for federal employee, anti-lock brakes, multi-policy, multi-vehicle, membership and employees, driver training, and seat belt use.
  • AAA may include discounts for good student, pay-in-full, good driver, anti-theft, multi-car, multi-policy, and AAA membership discount.

If you want affordable car insurance quotes, ask every insurance company which discounts you may be entitled to. Some of the earlier mentioned discounts may not apply to policies in your state.

Informed drivers know how to quote insurance for less

Smart consumers have a good feel for the factors that play a part in calculating the level of your policy premiums. When you know what positively or negatively influences your rates, this allows you to make good choices that may result in better insurance rates.

Shown below are a partial list of the pieces used by insurance companies to determine your rates.

  • Extra policy coverages you don’t use – Policies have add-on coverages that you can buy on your Celica policy. Insurance for things like replacement cost coverage, high-cost glass coverage, and additional equipment coverage are probably not needed. They may sound like good ideas initially, but your money might be better spent on other coverage so consider taking them off your policy.
  • Your address can affect price – Living in small towns and rural areas is a good thing when trying to find low car insurance rates. Fewer drivers and short commutes means fewer accidents and a lower car theft rate. People who live in big cities tend to have more traffic problems and a longer drive to work. Longer commute distances means higher likelihood of an accident.
  • Raise physical damage deductibles and save – Protection for physical damage, aka comp and collision, covers damage that occurs to your Toyota. Some examples of claims that would be covered are colliding with a building, damage from fire, and having your car stolen. Comp and collision deductibles are how much you are required to pay in the event of a claim. The more damage repair cost you’re willing to pay, the better rate you will receive for Celica coverage.
  • Age of drivers – Older drivers are viewed as being more responsible, tend to cause fewer accidents , and usually have better credit.Youthful drivers are statistically proven to be inattentive and easily distracted when driving with friends so insurance rates are higher.

Car insurance can be complex

When it comes to buying adequate coverage, there is no “best” method to buy coverage. Each situation is unique so your insurance should reflect that Here are some questions about coverages that may help you determine whether or not you might need an agent’s assistance.

  • What if I total my 2004 Toyota Celica and owe more than it’s worth?
  • How can I find cheaper teen driver insurance?
  • Do I have coverage when making deliveries for my home business?
  • Is business property covered if stolen from my car?
  • Can I rent a car in Mexico?
  • Am I covered when pulling a rental trailer?
  • Is rental equipment covered for theft or damage?
  • What is the ISO rating for a 2004 Toyota Celica?

If you don’t know the answers to these questions but you think they might apply to your situation, you might consider talking to an insurance agent. To find an agent in your area, complete this form or go to this page to view a list of companies.

Do drivers who switch really save $383 a year?

Popular insurance providers such as Geico, State Farm and Progressive constantly bombard you with ads on television and other media. All the ads try to convey promises about how much you will save if you get a free car insurance quote and switch to them. But how can every company charge you a lower premium?

All the different companies provide the lowest rates for the type of driver that earns them a profit. For instance, a desirable risk could possibly be a female over age 40, carries full coverage, and drives a vehicle with a low ISO rating. A customer getting a price quote who fits that profile will most likely get cheap premium rates and therefore will save quite a bit of money when switching.

People who are not a match for this ideal profile will get more expensive rates and this can result in the customer buying from someone else. The trick companies use is to say “drivers that switch” but not “all drivers who get quotes” save that much money. That’s why insurance companies can make those statements.

That is why you really should get price quotes at each policy renewal. It’s impossible to know the company that will fit you best based on your risk profile.

Auto insurance coverages

Learning about specific coverages of your policy aids in choosing the best coverages for your vehicles. The terms used in a policy can be difficult to understand and reading a policy is terribly boring. These are the normal coverages offered by auto insurance companies.

Comprehensive coverage (or Other than Collision)

Comprehensive insurance coverage pays to fix your vehicle from damage OTHER than collision with another vehicle or object. A deductible will apply and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive coverage protects against things like hitting a bird, vandalism, fire damage, falling objects and rock chips in glass. The maximum amount your auto insurance company will pay is the market value of your vehicle, so if it’s not worth much more than your deductible it’s not worth carrying full coverage.

Collision coverage protection

This coverage pays to fix your vehicle from damage resulting from colliding with a stationary object or other vehicle. You will need to pay your deductible then the remaining damage will be paid by your insurance company.

Collision coverage pays for things like damaging your car on a curb, scraping a guard rail, sustaining damage from a pot hole, rolling your car and sideswiping another vehicle. This coverage can be expensive, so analyze the benefit of dropping coverage from vehicles that are 8 years or older. You can also bump up the deductible to save money on collision insurance.

Insurance for medical payments

Personal Injury Protection (PIP) and medical payments coverage pay for immediate expenses like prosthetic devices, hospital visits and rehabilitation expenses. The coverages can be used in conjunction with a health insurance policy or if there is no health insurance coverage. They cover both the driver and occupants in addition to being hit by a car walking across the street. Personal Injury Protection is not an option in every state and gives slightly broader coverage than med pay

Liability auto insurance

Liability insurance can cover damages or injuries you inflict on other’s property or people that is your fault. This coverage protects you against claims from other people. It does not cover your injuries or vehicle damage.

Liability coverage has three limits: bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. As an example, you may have liability limits of 100/300/100 that means you have a limit of $100,000 per injured person, a limit of $300,000 in injury protection per accident, and a total limit of $100,000 for damage to vehicles and property. Another option is a combined limit which provides one coverage limit without having the split limit caps.

Liability can pay for things like repair bills for other people’s vehicles, court costs, repair costs for stationary objects and structural damage. How much liability should you purchase? That is a decision to put some thought into, but it’s cheap coverage so purchase as much as you can afford.

Uninsured Motorist or Underinsured Motorist insurance

This coverage protects you and your vehicle’s occupants when the “other guys” either have no liability insurance or not enough. Covered losses include injuries to you and your family as well as damage to your 2004 Toyota Celica.

Since a lot of drivers carry very low liability coverage limits, it doesn’t take a major accident to exceed their coverage limits. So UM/UIM coverage should not be overlooked. Most of the time the UM/UIM limits are identical to your policy’s liability coverage.

A fool and his money are soon parted

You just learned quite a bit of information on how to compare 2004 Toyota Celica insurance prices online. It’s most important to understand that the more rate quotes you have, the better your comparison will be. Drivers may discover the lowest prices are with an unexpected company. Smaller companies can often provide lower rates in certain areas compared to the large companies like State Farm and Allstate.

Cheaper 2004 Toyota Celica insurance is possible online as well as from insurance agents, and you should compare price quotes from both to have the best selection. Some insurance companies may not have online price quotes and many times these regional insurance providers only sell through independent agents.

More detailed auto insurance information is available at these sites: