How Much Does 2010 Toyota Avalon Car Insurance Cost?

Want the cheapest insurance coverage rates for your Toyota Avalon? Trying to find the cheapest insurance for a Toyota Avalon can turn out to be a lot of work, but you can learn these tips to make it easier. There are more efficient ways to compare insurance coverage rates and you need to know the best way to price shop coverage for a Toyota and obtain the lowest possible price from both online companies and local agents.

If you have a policy now or are looking for a new policy, you can learn to get lower rates while maximizing coverage. Buying the best coverage can be fairly easy. Drivers only need to know the tricks to shop for auto insurance over the internet.

Save money with these tips

When buying auto insurance it’s important to understand some of the elements that help calculate your policy premiums. When you know what positively or negatively determines premiums, this enables informed choices that may reward you with much lower annual insurance costs. Many factors are considered when premium rates are determined. A few of the factors are predictable like your driving record, but other factors are more transparent like your vehicle usage and annual miles driven.

  • Policy add-ons add up – There are a ton of additional extra coverages that sound like a good idea at the time if you don’t pay attention. Coverage for things like roadside assistance, death and dismemberment, and motor club memberships may be wasting your money. They may seem like a good idea initially, but now you might not need them so eliminate them to save money.
  • Multiple policies with one company can save – The majority of insurers allow lower prices to insureds that buy multiple policies. It’s known as a multi-policy discount. Discounts can be ten percent or more. Even if you already get this discount, consumers should still shop around to make sure you are getting the best deal.
  • Do males or females drive better? – Over the last 30 years, statistics show women are more cautious behind the wheel. However, this does not mean females are better drivers. Men and women have fender benders at a similar rate, but the males cause more damage. Men also get cited for more serious violations like reckless driving and DUI. Young men ages 16 to 20 are most likely to cause an accident so they pay the highest premiums.
  • Teenagers vs. older drivers – Mature drivers tend to be more responsible, statistically cause fewer accidents and get fewer tickets.Drivers with little experience are statistically shown to be easily distracted in a vehicle therefore auto insurance rates are much higher.
  • Commute or pleasure use – The more you drive your Toyota in a year’s time the higher your rates will be. Many insurance companies charge to insure your cars based upon how the vehicle is primarily used. Cars that are left in the garage qualify for better rates than cars that get driven a lot. Having the wrong rating on your Avalon is just wasting money. It’s always a good idea to double check that your auto insurance policy states how each vehicle is driven.
  • Avoid policy lapses – Driving your car without having proper coverage is against the law and you may have a hard time finding new coverage because you let your insurance coverage expire. In addition to paying higher rates, the inability to provide proof of insurance will get you a fine, jail time, or a revoked license.
  • Your spouse saves you money – Being married may save some money compared to being single. It generally demonstrates drivers are less irresponsible and it’s statistically proven that married drivers tend to file fewer claims.

Compare insurance coverage quotes online

Getting a cheaper price on 2010 Toyota Avalon insurance can be relatively painless. Drivers just need to take a few minutes getting comparison quotes online with multiple companies. You can get a good selection of rate quotes in a couple of different ways.

  1. The most efficient way to compare a lot of rates at once is a comparison rater form (click to open form in new window). This quick form prevents you from having to do separate quotation requests for every company. A single form gets prices estimates instantly. It’s the fastest way to compare.
  2. Another way to shop for insurance coverage online requires a visit to each company website to complete a price quote. For instance, we’ll pretend you want to compare prices for Auto-Owners, Progressive and Geico. You would be required to take the time to go to each site to input your insurance information, which is why the first method is quicker.

    For a list of links to companies insuring cars in your area, click here.

Which method you use is up to you, but make sure you compare exactly the same coverages for every company. If you use different liability limits you will not be able to determine which company has the best rates.

Earn discounts to get lower-cost car insurance quotes

Some providers do not advertise every discount they offer very well, so the list below contains a few of the more common as well as some of the hidden ways to save on car insurance.

  • Good Student Discount – Performing well in school may save as much as 25% on a car insurance quote. The good student discount can last until age 25.
  • Senior Discount – If you’re over the age of 55, you can get a small decrease in premiums on Avalon insurance.
  • Auto/Home Discount – When you combine your home and auto insurance and insure them both with the same insurance company you will save up to 20% and get you cheap car insurance.
  • Drive Safe and Save – Safe drivers can pay as much as 50% less on Avalon insurance compared to rates paid by drivers with frequent claims.
  • Federal Government Employee – Active or former government employment could qualify for a slight premium decrease on Avalon insurance depending on your company.

You should keep in mind that most discounts do not apply to your bottom line cost. A few only apply to the price of certain insurance coverages like collision or personal injury protection. Despite the fact that it seems like all those discounts means the company will pay you, companies wouldn’t make money that way.

If you would like to choose from a list of insurers who offer cheap car insurance quotes, follow this link.

Tailor your insurance coverage to you

When it comes to choosing the right insurance coverage for your vehicles, there isn’t really a one size fits all plan. Everyone’s situation is a little different.

These are some specific questions may help you determine whether your personal situation might need an agent’s assistance.

  • How can I get high-risk coverage after a DUI?
  • How much liability coverage do I need in my state?
  • Can my babysitter drive my car?
  • Should I file a claim if it’s only slightly more than my deductible?
  • Is my 2010 Toyota Avalon covered for flood damage?
  • Am I covered if my car is in a flood?
  • Do I need medical payments coverage since I have good health insurance?
  • Does coverage extend to a rental car in a foreign country?
  • What can I do if my company won’t pay a claim?

If you can’t answer these questions then you might want to talk to a licensed agent. To find an agent in your area, simply complete this short form. It only takes a few minutes and can provide invaluable advice.

Parts of your insurance policy

Knowing the specifics of a insurance policy can be of help when determining which coverages you need and the correct deductibles and limits. Policy terminology can be impossible to understand and coverage can change by endorsement.

Collision coverage

This pays for damage to your Avalon caused by collision with a stationary object or other vehicle. You will need to pay your deductible and the rest of the damage will be paid by collision coverage.

Collision insurance covers things such as hitting a parking meter, driving through your garage door, rolling your car, damaging your car on a curb and hitting a mailbox. This coverage can be expensive, so consider dropping it from vehicles that are older. Drivers also have the option to raise the deductible to get cheaper collision coverage.

Uninsured and underinsured coverage

This coverage protects you and your vehicle’s occupants when the “other guys” either are underinsured or have no liability coverage at all. This coverage pays for injuries sustained by your vehicle’s occupants and damage to your Toyota Avalon.

Since many drivers only purchase the least amount of liability that is required, it only takes a small accident to exceed their coverage. That’s why carrying high Uninsured/Underinsured Motorist coverage is very important.

Comprehensive coverages

Comprehensive insurance will pay to fix damage OTHER than collision with another vehicle or object. You first have to pay a deductible and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive can pay for things such as vandalism, damage from flooding, rock chips in glass, falling objects and damage from getting keyed. The highest amount a insurance company will pay at claim time is the cash value of the vehicle, so if it’s not worth much more than your deductible consider dropping full coverage.

Coverage for medical payments

Medical payments and Personal Injury Protection insurance reimburse you for immediate expenses like rehabilitation expenses, surgery, doctor visits and chiropractic care. They can be used in conjunction with a health insurance program or if you lack health insurance entirely. Medical payments and PIP cover you and your occupants and also covers any family member struck as a pedestrian. Personal injury protection coverage is not universally available and gives slightly broader coverage than med pay

Liability coverage

Liability insurance will cover damages or injuries you inflict on other people or property that is your fault. It protects you from legal claims by others. It does not cover damage to your own property or vehicle.

Split limit liability has three limits of coverage: bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. As an example, you may have limits of 50/100/50 that translate to a $50,000 limit per person for injuries, $100,000 for the entire accident, and $50,000 of coverage for damaged propery.

Liability insurance covers things like repair bills for other people’s vehicles, medical expenses, medical services and court costs. How much liability should you purchase? That is a personal decision, but it’s cheap coverage so purchase as high a limit as you can afford.

Summing up your insurance coverage search

Budget-conscious 2010 Toyota Avalon insurance is available from both online companies and from local insurance agents, so you should be comparing quotes from both to have the best chance of lowering rates. Some insurance coverage companies may not offer online rate quotes and these smaller companies provide coverage only through independent agents.

Drivers switch companies for a number of reasons such as high rates after DUI convictions, delays in paying claims, extreme rates for teen drivers or even an unsatisfactory settlement offer. It doesn’t matter what your reason, finding a great new company is less work than it seems.

When getting car insurance quotes online, it’s not a good idea to reduce needed coverages to save money. There are many occasions where someone dropped liability limits or collision coverage and discovered at claim time that a couple dollars of savings turned into a financial nightmare. Your aim should be to purchase a proper amount of coverage at the best cost while still protecting your assets.

Additional information can be found at the links below