2014 Toyota Sienna Insurance Rates – 8 Policy Discounts

Sick and tired of sacrificing to keep your car insured? Your situation is no different than many other consumers.

Insurance companies such as State Farm, Geico and Farmers Insurance promote their brand names with advertising and it can be hard to ignore the flying pigs and cute green geckos and take the time to shop coverage around.

Eight discounts to earn cheaper insurance rates

Auto insurance companies do not list all disounts in an easy-to-find place, so we researched both the well known and also the more inconspicuous credits that you can use to lower your rates.

  • First Accident Forgiveness – Not really a discount, but a few companies such as Geico, Allstate and Liberty Mutual permit an accident without getting socked with a rate hike so long as you are claim-free for a certain period of time.
  • Military Discounts – Being deployed in the military could mean lower prices.
  • Claim-Free Discount – Insureds who avoid accidents and claims get the best insurance rates as opposed to drivers who are more careless.
  • Early Switch Discount – A few insurance companies give discounts for buying a new policy prior to the expiration date on your current policy. This discount can save up to 10%.
  • Good Students Pay Less – Being a good student may save as much as 25% on a insurance quote. This discount can apply until age 25.
  • Theft Prevention Discount – Anti-theft and alarm system equipped vehicles have a lower chance of being stolen and will qualify for a discount on a insurance quote.
  • Low Mileage Discounts – Maintaining low annual mileage could be rewarded with cheaper prices.
  • Student in College – College-age children who are attending college and do not take a car to college could qualify for this discount.

A little note about advertised discounts, many deductions do not apply to your bottom line cost. Most only reduce specific coverage prices like comprehensive or collision. If you do the math and it seems like adding up those discounts means a free policy, insurance companies aren’t that generous.

To see a list of insurers with significant discounts, follow this link.

First Step: Get free insurance quotes

All the larger insurance companies such as 21st Century, Allstate and State Farm allow consumers to get pricing online. Comparing prices online is fairly straightforward as you just enter your coverage information into the form. When complete, the system will obtain reports for credit and driving violations and gives you a price quote based on these factors. Online quotes makes comparing rates easy, but the work required to visit a lot of sites and complete many quote forms is not the best way to spend an afternoon. But it’s also necessary to perform this step in order to get the best price possible.

The easy way to compare rates

The smarter way to find cheaper rates uses one simple form that obtains quotes from many companies. It saves time, requires much less work on your part, and makes comparison shopping a lot less work. As soon as you send your information, it gets priced and you are able to buy your choice of the pricing results.

If the quotes result in lower rates, you can click and sign and buy the policy. The whole process only takes a few minutes and could lower your rates considerably.

To save time and find out if lower rates are available, click here and submit the form. If you currently have coverage, we recommend you input your coverages identical to your current policy. This guarantees you will have comparison quotes for similar insurance coverage.

Tailor your insurance coverage coverage to you

When buying the best insurance coverage coverage for your vehicles, there is no cookie cutter policy. Every insured’s situation is different so this has to be addressed. These are some specific questions may help highlight if your situation might need professional guidance.

  • What if I don’t agree with a claim settlement offer?
  • Am I covered if I wreck a rental car?
  • Should I drop comprehensive coverage on older vehicles?
  • How do I insure my teen driver?
  • How much liability do I need to cover my assets?
  • What is an SR-22 filing?
  • Do I have coverage if my license is suspended?
  • When should I remove comp and collision on my 2014 Toyota Sienna?
  • Which is better, split liability limits or combined limits?

If you’re not sure about those questions but a few of them apply, then you may want to think about talking to a licensed agent. If you don’t have a local agent, simply complete this short form or you can also visit this page to select a carrier

Insurance advertising tricks

Popular insurance coverage providers such as 21st Century, Allstate and State Farm endlessly run television, radio, and online ads. They all make the point about saving some big amount if you change your coverage. How do they all offer you a better deal? Here is the trick they use.

All the different companies quote the lowest rates for the driver they prefer to insure. For instance, a driver they prefer may need to be over the age of 45, has a clean driving record, and chooses high deductibles. A driver who fits that profile will probably get cheap rates and therefore will save when switching.

Consumers who do not match these stringent criteria will probably be forced to pay a higher rate which results in the customer not purchasing. If you pay attention, the ads say “customers that switch” not “everybody who quotes” save that much money. That’s the way companies can lure you into getting a quote.

Because every company is different, drivers must compare rate quotes every year. Because you never know which insurance companies will fit you best based on your risk profile.

Car insurance coverage information

Knowing the specifics of a insurance policy can be of help when determining the best coverages at the best deductibles and correct limits. Insurance terms can be ambiguous and reading a policy is terribly boring. These are the usual coverages found on the average insurance policy.

Collision – This coverage covers damage to your Sienna resulting from colliding with another vehicle or an object, but not an animal. You will need to pay your deductible then the remaining damage will be paid by your insurance company.

Collision can pay for things such as hitting a parking meter, colliding with another moving vehicle and crashing into a building. Collision is rather expensive coverage, so analyze the benefit of dropping coverage from vehicles that are older. You can also raise the deductible to bring the cost down.

Liability auto insurance – Liability coverage will cover damage or injury you incur to other people or property in an accident. Split limit liability has three limits of coverage: bodily injury per person, bodily injury per accident and property damage. You commonly see liability limits of 25/50/25 which means $25,000 bodily injury coverage, a limit of $50,000 in injury protection per accident, and a total limit of $25,000 for damage to vehicles and property. Alternatively, you may have one limit called combined single limit (CSL) which provides one coverage limit and claims can be made without the split limit restrictions.

Liability coverage pays for claims such as pain and suffering, attorney fees, repair costs for stationary objects and funeral expenses. The amount of liability coverage you purchase is a personal decision, but consider buying as high a limit as you can afford.

Medical costs insurance – Personal Injury Protection (PIP) and medical payments coverage pay for short-term medical expenses for hospital visits, EMT expenses and ambulance fees. They are often utilized in addition to your health insurance policy or if you do not have health coverage. It covers you and your occupants as well as being hit by a car walking across the street. Personal injury protection coverage is only offered in select states and may carry a deductible

UM/UIM Coverage – Uninsured or Underinsured Motorist coverage protects you and your vehicle’s occupants from other motorists when they either have no liability insurance or not enough. Covered claims include hospital bills for your injuries and also any damage incurred to your Toyota Sienna.

Since a lot of drivers only purchase the least amount of liability that is required, their limits can quickly be used up. That’s why carrying high Uninsured/Underinsured Motorist coverage is important protection for you and your family. Normally your uninsured/underinsured motorist coverages are identical to your policy’s liability coverage.

Comprehensive or Other Than Collision – This coverage pays to fix your vehicle from damage from a wide range of events other than collision. You first must pay your deductible and then insurance will cover the rest of the damage.

Comprehensive coverage protects against claims like hail damage, a tree branch falling on your vehicle, theft and a broken windshield. The maximum payout you can receive from a comprehensive claim is the cash value of the vehicle, so if your deductible is as high as the vehicle’s value consider removing comprehensive coverage.

Affordable insurance is out there

You just learned a lot of techniques to reduce 2014 Toyota Sienna insurance rates online. The key concept to understand is the more companies you get car insurance rates for, the higher your chance of finding affordable insurance. Consumers could even find that the biggest savings come from a lesser-known regional company. Some small companies can often provide lower car insurance rates in certain areas compared to the large companies like Progressive and Geico.

More affordable auto insurance can be bought both online and with local insurance agents, so get free insurance quotes from both of them to have the best selection. Some auto insurance companies may not offer price quotes online and these regional carriers prefer to sell through independent agencies.

As you go through the steps to switch your coverage, you should never buy less coverage just to save a little money. In many instances, an insured dropped full coverage and learned later that the small savings ended up costing them much more. The aim is to buy enough coverage for the lowest cost, but do not skimp to save money.

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