2014 Toyota Yaris Car Insurance Quotes – 6 Tips to Save

Searching for better car insurance rates? Consumers have lots of choices when looking for the best price on Toyota Yaris insurance. They can either waste time struggling with agents trying to get quotes or save time using the internet to find the lowest rates.

There is a right way and a wrong way to buy car insurance so you’re going to learn the best way to get price quotes for your Toyota and locate the best price possible.

You should make it a habit to compare rates quite often since rates change regularly. Even if you got the best deal on Yaris insurance at your last renewal you can probably find a lower rate today. Forget all the misinformation about car insurance because I’m going to let you in on the secrets to the fastest and easiest way to reduce your cost while improving coverage.

The quickest way to get policy rate comparisons takes advantage of the fact almost all companies pay for the opportunity to compare their rates. The one thing you need to do is give them rating details such as daily mileage, if you’re married, if you are currently licensed, and the ages of drivers. That rating information is sent automatically to multiple different insurance companies and they return quotes immediately.

If you would like to compare rates now, click here and see if a lower rate is available.

Insurance quotes and discounts

Auto insurance companies don’t necessarily list every discount they offer in an easy-to-find place, so here is a list both the well known as well as the least known credits available to bring down your rates. If you don’t get every credit possible, you’re just leaving money on the table.

  • Data Collection Discounts – Drivers who agree to allow their insurance company to track where and when they drive remotely like In-Drive from State Farm and Progressive’s Snapshot could save a few bucks if they are good drivers.
  • Discounts for Good Drivers – Insureds without accidents can pay as much as 50% less on Yaris insurance compared to rates paid by drivers with frequent claims.
  • Safety Restraint Discount – Forcing all vehicle occupants to wear their seat belts can save up to 15% off PIP or medical payments premium.
  • Claim-Free Discount – Drivers with accident-free driving histories have much lower rates compared to drivers who are more careless.
  • ABS Braking Discount – Cars with ABS and/or traction control are safer to drive so companies give up to a 10% discount.
  • Distant Student Discount – Kids who are attending college without a vehicle on campus can be insured at a reduced rate.

Remember that some credits don’t apply to the overall cost of the policy. The majority will only reduce individual premiums such as liability, collision or medical payments. Despite the appearance that it’s possible to get free car insurance, nobody gets a free ride.

To find insurance companies that offer many of these discounts, click here.

Situations that may require an agent’s advice

When choosing the best car insurance coverage for your vehicles, there is no single plan that fits everyone. Everyone’s situation is unique.

These are some specific questions may help highlight if your situation might need an agent’s assistance.

  • Should I bundle my homeowners policy with my auto?
  • Can I still get insurance after a DUI?
  • Is my teenager covered with friends in the car?
  • Do I need PIP (personal injury protection) coverage in my state?
  • Do I have coverage if my license is suspended?
  • Am I covered when delivering products for my home-based business?

If you can’t answer these questions but you know they apply to you, then you may want to think about talking to an agent. To find lower rates from a local agent, simply complete this short form. It is quick, free and can provide invaluable advice.

Auto insurance policy coverages for a 2014 Toyota Yaris

Learning about specific coverages of your auto insurance policy can help you determine the best coverages and the correct deductibles and limits. Policy terminology can be ambiguous and nobody wants to actually read their policy.

Medical payments and PIP coverage

Personal Injury Protection (PIP) and medical payments coverage pay for bills for rehabilitation expenses, doctor visits, pain medications, EMT expenses and dental work. They are often utilized in addition to your health insurance program or if you do not have health coverage. Coverage applies to not only the driver but also the vehicle occupants as well as being hit by a car walking across the street. Personal injury protection coverage is not an option in every state but it provides additional coverages not offered by medical payments coverage

UM/UIM (Uninsured/Underinsured Motorist) coverage

This coverage gives you protection from other motorists when they either are underinsured or have no liability coverage at all. Covered losses include injuries to you and your family as well as your vehicle’s damage.

Since a lot of drivers only carry the minimum required liability limits, it only takes a small accident to exceed their coverage. That’s why carrying high Uninsured/Underinsured Motorist coverage is very important. Most of the time your uninsured/underinsured motorist coverages are set the same as your liablity limits.

Comprehensive auto coverage

Comprehensive insurance pays for damage that is not covered by collision coverage. A deductible will apply and then insurance will cover the rest of the damage.

Comprehensive can pay for things like vandalism, damage from flooding, falling objects, theft and a broken windshield. The maximum payout your auto insurance company will pay is the actual cash value, so if the vehicle is not worth much consider removing comprehensive coverage.

Liability

Liability insurance protects you from damage that occurs to other people or property. It protects you against other people’s claims, and doesn’t cover your injuries or vehicle damage.

Liability coverage has three limits: per person bodily injury, per accident bodily injury, and a property damage limit. As an example, you may have liability limits of 100/300/100 which stand for a $100,000 limit per person for injuries, a limit of $300,000 in injury protection per accident, and a limit of $100,000 paid for damaged property. Some companies may use a combined limit which limits claims to one amount rather than limiting it on a per person basis.

Liability insurance covers claims such as medical expenses, bail bonds, structural damage, funeral expenses and repair bills for other people’s vehicles. How much coverage you buy is your choice, but consider buying as much as you can afford.

Coverage for collisions

This coverage covers damage to your Yaris caused by collision with another vehicle or an object, but not an animal. You have to pay a deductible then your collision coverage will kick in.

Collision coverage pays for claims such as sustaining damage from a pot hole, driving through your garage door, sideswiping another vehicle, hitting a parking meter and damaging your car on a curb. This coverage can be expensive, so analyze the benefit of dropping coverage from older vehicles. It’s also possible to choose a higher deductible to get cheaper collision coverage.

In Summary

Lower-priced 2014 Toyota Yaris insurance is available on the web and also from your neighborhood agents, so you need to shop auto insurance with both in order to have the best chance of saving money. Some insurance coverage companies do not provide internet price quotes and most of the time these smaller companies prefer to sell through local independent agencies.

As you go through the steps to switch your coverage, never buy less coverage just to save a little money. There have been many cases where an accident victim reduced liability coverage limits only to regret at claim time that they should have had better coverage. Your goal is to purchase plenty of coverage at the best possible price, not the least amount of coverage.

People leave their current company for a variety of reasons including lack of trust in their agent, policy non-renewal, extreme rates for teen drivers and even delays in responding to claim requests. It doesn’t matter why you want to switch switching insurance coverage companies is less work than it seems.

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