Cheap 2014 Toyota Venza Car Insurance Quotes

Trying to find more affordable insurance can seem to be challenging for people not familiar with online insurance quotes. Consumers have so many agents and companies to choose from that it can be a challenge to find the lowest price.

Get lower rates by getting discounts

Auto insurance is easily one of your largest bills, but you might find some hidden discounts to cut the cost considerably. Certain discounts will be applied at the time of purchase, but a few need to be manually applied prior to getting the savings.

  • Accident Forgiveness – but companies like Allstate, Progressive, and Geico will let one accident slide before your rates go up with the catch being you have to be claim-free before the accident.
  • Organization Discounts – Participating in certain professional organizations could earn you a nice discount when getting a car insurance quote.
  • Safety Course Discount – Successfully completing a safe driver course could possibly earn you a 5% discount and make you a better driver.
  • Accident Free – Drivers who stay claim-free have much lower rates as compared to drivers with a long claim history.
  • Theft Prevention System – Cars and trucks equipped with anti-theft or alarm systems help deter theft and earn discounts up to 10% off your car insurance quote.
  • Mature Driver Discount – Older drivers are able to get a discount up to 10% on Venza coverage.
  • Driver’s Ed – Require your teen driver to complete a driver education course in high school.
  • Smart Student Discounts – Performing well in school could provide a savings of up to 20% or more. You can use this discount normally up until you turn 25.
  • Driving Data Discount – Insureds who allow their company to scrutinize when and where they use their vehicle by installing a telematics device such as Snapshot from Progressive or Drivewise from Allstate might see lower rates as long as the data is positive.

As a sidenote, most discount credits are not given the the whole policy. Some only apply to individual premiums such as liability and collision coverage. So when it seems like all those discounts means the company will pay you, you won’t be that lucky. Any amount of discount should definitely cut the premium cost.

If you would like to see a list of insurance companies that offer many of these discounts, click here.

Your insurance coverage should be tailored to you

When it comes to choosing adequate coverage for your personal vehicles, there isn’t really a cookie cutter policy. Everyone’s situation is a little different.

For example, these questions might help in determining whether you might need an agent’s assistance.

  • Does liability extend to a camper or trailer?
  • What if I total my 2014 Toyota Venza and owe more than it’s worth?
  • Does coverage extend to my business vehicle?
  • Will my rates increase for filing one claim?
  • Am I better off with higher deductibles on my 2014 Toyota Venza?
  • Will I be non-renewed for getting a DUI or other conviction?
  • Does my policy pay for OEM or aftermarket parts?
  • Am I covered by my spouse’s policy after a separation?
  • Is business property covered if stolen from my car?
  • What exactly is covered by my policy?

If it’s difficult to answer those questions but a few of them apply, you might consider talking to an insurance agent. If you want to speak to an agent in your area, take a second and complete this form.

Don’t listen to company ads

Insurance companies such as Geico, State Farm and Progressive regularly use television and radio advertisements. They all seem to advertise the message that drivers can save some big amount if you move your coverage to them. Is it even possible that every company can charge you a lower premium? Here is how they do it.

All the different companies are able to cherry pick for the type of customer that will most likely be profitable. For example, a desirable risk could possibly be a female over age 40, has a clear driving record, and insures a new vehicle. Anyone who matches that profile will get very good prices and most likely will save when they switch companies.

Consumers who cannot meet the ideal profile will probably have to pay higher premium rates and this can result in the customer not buying. If you pay attention, the ads say “people that switch” not “everyone that quotes” save that kind of money. This is how companies can truthfully make those claims. This really drives home the point why it is so important to quote coverage with many companies. Because you cannot predict which company will provide the lowest prices.

Insurance policy specifics

Having a good grasp of insurance aids in choosing the best coverages and proper limits and deductibles. Policy terminology can be difficult to understand and nobody wants to actually read their policy.

Comprehensive (Other than Collision) – This coverage will pay to fix damage OTHER than collision with another vehicle or object. You first must pay your deductible and then insurance will cover the rest of the damage.

Comprehensive coverage pays for claims such as damage from flooding, fire damage and damage from getting keyed. The maximum amount a insurance company will pay at claim time is the market value of your vehicle, so if it’s not worth much more than your deductible it’s probably time to drop comprehensive insurance.

Collision coverages – Collision coverage covers damage to your Venza caused by collision with a stationary object or other vehicle. You have to pay a deductible and the rest of the damage will be paid by collision coverage.

Collision coverage protects against claims such as colliding with a tree, hitting a mailbox and sustaining damage from a pot hole. Collision is rather expensive coverage, so you might think about dropping it from vehicles that are 8 years or older. Drivers also have the option to increase the deductible in order to get cheaper collision rates.

Medical expense insurance – Personal Injury Protection (PIP) and medical payments coverage pay for immediate expenses like EMT expenses, funeral costs and chiropractic care. They are often used in conjunction with a health insurance policy or if there is no health insurance coverage. It covers both the driver and occupants in addition to being hit by a car walking across the street. PIP is not available in all states but it provides additional coverages not offered by medical payments coverage

Liability – This protects you from damage or injury you incur to other people or property in an accident. It protects YOU against claims from other people. Liability doesn’t cover damage sustained by your vehicle in an accident.

Liability coverage has three limits: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. As an example, you may have liability limits of 50/100/50 which stand for a limit of $50,000 per injured person, a limit of $100,000 in injury protection per accident, and a limit of $50,000 paid for damaged property.

Liability can pay for things such as attorney fees, legal defense fees, loss of income, structural damage and medical expenses. How much liability coverage do you need? That is your choice, but it’s cheap coverage so purchase as large an amount as possible.

Protection from uninsured/underinsured drivers – Uninsured or Underinsured Motorist coverage provides protection when the “other guys” either are underinsured or have no liability coverage at all. It can pay for injuries to you and your family and damage to your Toyota Venza.

Due to the fact that many drivers only purchase the least amount of liability that is required, their liability coverage can quickly be exhausted. For this reason, having high UM/UIM coverages is important protection for you and your family.

More effort can pay off

As you prepare to switch companies, never sacrifice coverage to reduce premiums. Too many times, an insured cut comprehensive coverage or liability limits and found out when filing a claim they didn’t purchase enough coverage. The ultimate goal is to buy the best coverage you can find at the best cost, but do not sacrifice coverage to save money.

Some insurance companies do not offer the ability to get a quote online and these smaller companies only sell coverage through local independent agencies. Cheap 2014 Toyota Venza insurance can be bought on the web and from local insurance agents, and you should compare price quotes from both to have the best selection.

In this article, we presented many tips how you can get a better price on 2014 Toyota Venza insurance. The most important thing to understand is the more times you quote, the more likely it is that you will get a better rate. You may even find the best prices are with an unexpected company.

More resources