View 1993 Toyota Celica Insurance Quotes

Trying to find low-cost insurance for a Toyota Celica can normally be an all-consuming task, but you can follow our car insurance buying tips and make it easy. There is a right way and a wrong way to buy car insurance and you need to know the absolute fastest way to compare rates for your Toyota and get the lowest price.

It is always a good idea to get comparison quotes once or twice a year because rates fluctuate regularly. Even if you got the lowest rates for Celica insurance a few years ago you may be paying too much now. So block out anything you think you know about car insurance because you’re about to learn how to use the internet to save on car insurance.

If you have a policy now or need new coverage, you can use this information to get lower rates and possibly find even better coverage. Locating the best auto insurance is easy if you know what you’re doing. Consumers just need to learn how to compare prices online.

Verify you’re getting all your discounts

Companies offering auto insurance don’t always advertise every available discount very clearly, so we break down some of the best known as well as the least known ways to save on car insurance. If you’re not getting every credit you deserve, you are paying more than you should be.

  • Auto/Life Discount – Companies who offer life insurance give a discount if you purchase a life insurance policy as well.
  • Distant Student – Any of your kids living away from home attending college and don’t have a car may qualify for this discount.
  • Homeowners Savings – Being a homeowner can help you save on car insurance because of the fact that having a home requires personal responsibility.
  • Use Seat Belts – Requiring all passengers to use a seat belt could cut 10% or more on the medical payments or PIP coverage costs.
  • Senior Discount – Mature drivers can possibly qualify for a discount up to 10% for Celica insurance.
  • Driver Safety – Taking a driver safety course can save you 5% or more if you qualify.
  • Fewer Miles Equal More Savings – Fewer annual miles on your Toyota could qualify for better rates on cars that stay parked.
  • Federal Government Employee – Simply working for the federal government can save as much as 8% for Celica insurance with select insurance companies.

It’s important to understand that most of the big mark downs will not be given to the entire policy premium. A few only apply to individual premiums such as medical payments or collision. So when the math indicates you could get a free car insurance policy, companies don’t profit that way.

For a list of insurance companies with discount car insurance rates, click this link.

What determines your Toyota Celica insurance premium

Smart consumers have a good feel for some of the elements that go into determining the rates you pay for insurance coverage. Having a good understanding of what determines base rates allows you to make educated decisions that may reward you with better insurance coverage rates.

  • Low deductibles can be expensive – Deductibles for physical damage define the amount you are willing to pay out-of-pocket if you file a covered claim. Physical damage insurance, otherwise known as comp (or other than collision) and collision, is used to repair damage to your car. Some instances where coverage would apply are running into the backend of another car, damage from fire, and windstorm damage. The more you are required to pay out-of-pocket, the less your insurance coverage will be for Celica insurance.
  • Safe vehicles cost less to insure – Vehicles with high crash test scores get lower rates. Safe vehicles result in less severe injuries and any reduction in injury severity means less money paid by your insurance company and more competitive rates for policyholders. If your Toyota is rated at least an “acceptable” rating on the Insurance Institute for Highway Safety website you are probably receiving a discount.
  • Marriage pays dividends – Getting married can get you a discount on your insurance coverage policy. It is viewed as being more mature it has been statistically shown that being married results in fewer claims.
  • Rates may be lower depending on your job – Did you know your occupation can influence how much you pay for insurance coverage? Careers like judges, architects and financial analysts have higher average rates because of stressful work requirements and long work hours. Conversely, jobs such as scientists, engineers and performers get better rates for Celica insurance.
  • Don’t buy coverages you don’t need – There are many additional coverages that can waste your money on your Celica policy. Things like personal injury protection, accident forgiveness and membership fees may be wasting your money. These may sound like a good investment at first, but your needs may have changed so remove them from your policy.
  • Small claims can cost you – Companies give lower rates to people who are claim-free. If you are a frequent claim filer, you can definitely plan on either higher rates or even cancellation. Car insurance is designed for the bigger claims that can’t be paid out-of-pocket.
  • How credit affects insurance coverage rates – Your credit history is a big factor in your rate calculation. If your credit score is not that good, you could be paying less to insure your 1993 Toyota Celica by improving your credit score. People with good credit tend to be more responsible as compared to drivers with lower credit scores.

When should I talk to an agent?

When it comes to buying proper insurance coverage, there really is no single plan that fits everyone. Everyone’s situation is a little different.

Here are some questions about coverages that can help discover whether you may require specific advice.

  • Is my teen driver covered when they drive my company car?
  • How can I find cheaper teen driver insurance?
  • Is my vehicle covered by my employer’s policy when using it for work?
  • Does coverage extend to a rental car in a foreign country?
  • How can I force my company to pay a claim?
  • Is my dog or cat covered if injured in an accident?
  • Do all my vehicles need collision coverage?
  • What is the rate difference between pleasure use and commuting?
  • Does my insurance cover my expensive audio equipment?
  • Do I need rental car coverage?

If you’re not sure about those questions but one or more may apply to you, you may need to chat with an agent. If you don’t have a local agent, complete this form. It only takes a few minutes and can help protect your family.

Don’t believe everything you hear

Consumers constantly see and hear ads that promise big savings from companies such as State Farm, Allstate and Geico. All the ads make an identical promise that you can save after switching your policy.

How does each company make the same claim? It’s all in the numbers.

Insurance companies have a certain “appetite” for the type of driver that is profitable for them. For instance, a preferred risk might be between 30 and 50, has no prior claims, and has a high credit rating. A customer who fits that profile will qualify for the lowest rates and is almost guaranteed to save a lot of money.

Drivers who do not match the requirements will have to pay higher prices which usually ends up with the customer not buying. The ads say “customers who switch” not “everyone that quotes” save money. That’s the way insurance companies can confidently advertise the way they do. Because of the profiling, you should compare many company’s rates. It is impossible to predict which company will have the lowest Toyota Celica insurance rates.

Insurance coverage basics

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 reading a policy is terribly boring.

Comprehensive (Other than Collision) – Comprehensive insurance coverage covers damage OTHER than collision with another vehicle or object. You first have to pay a deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive can pay for claims such as rock chips in glass, vandalism and theft. The maximum amount a insurance company will pay at claim time is the market value of your vehicle, so if the vehicle is not worth much it’s probably time to drop comprehensive insurance.

Auto liability insurance – Liability insurance can cover injuries or damage you cause to other’s property or people by causing an accident. This coverage protects you from claims by other people. Liability doesn’t cover your own vehicle damage or injuries.

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 100/300/100 which stand for a limit of $100,000 per injured person, a per accident bodily injury limit of $300,000, and property damage coverage for $100,000.

Liability coverage protects against claims such as loss of income, attorney fees and court costs. How much liability should you purchase? That is a personal decision, but it’s cheap coverage so purchase as large an amount as possible.

Medical expense insurance – Med pay and PIP coverage pay for expenses such as hospital visits, chiropractic care, ambulance fees, nursing services and pain medications. The coverages can be used to cover expenses not covered by your health insurance program or if there is no health insurance coverage. It covers both the driver and occupants and also covers if you are hit as a while walking down the street. Personal Injury Protection is not an option in every state but can be used in place of medical payments coverage

Collision coverages – This covers damage to your Celica caused by collision with an object or car. A deductible applies then your collision coverage will kick in.

Collision insurance covers claims such as crashing into a ditch, damaging your car on a curb and colliding with another moving vehicle. Collision coverage makes up a good portion of your premium, so consider removing coverage from vehicles that are 8 years or older. You can also increase the deductible to save money on collision insurance.

Protection from uninsured/underinsured drivers – This coverage gives you protection from other motorists when they either have no liability insurance or not enough. Covered losses include medical payments for you and your occupants and also any damage incurred to your Toyota Celica.

Since many drivers only purchase the least amount of liability that is required, their limits can quickly be used up. So UM/UIM coverage is important protection for you and your family.

Pennies from heaven

Low-cost 1993 Toyota Celica insurance is definitely available online and also from your neighborhood agents, and you need to comparison shop both in order to have the best price selection to choose from. Some companies may not provide the ability to get a quote online and usually these smaller companies provide coverage only through local independent agents.

We covered a lot of information how to get a better price on insurance. It’s most important to understand that the more you quote, the better your chances of lowering your rates. Consumers may even find the biggest savings come from a small mutual company.

As you go through the steps to switch your coverage, don’t be tempted to reduce coverage to reduce premium. There are too many instances where someone sacrificed liability limits or collision coverage only to regret that it was a big error on their part. The proper strategy is to purchase plenty of coverage at an affordable rate while not skimping on critical coverages.

Additional insurance information can be read on the following sites: