1996 Toyota Celica Insurance Cost – 7 Savings Tips

Nobody likes having to buy insurance coverage, in particular when their premiums are too high.

Since consumers have many insurance coverage companies to choose from, it’s nearly impossible to locate the best car insurance company.

The purpose of this article is to instruct you on how car insurance quotes work and some tips to save money. If you currently have car insurance, you should be able to lower your premiums substantially using these tips. Nevertheless, drivers can benefit from knowing the way insurance companies sell online and take advantage of how the system works.

Policy discounts you shouldn’t miss

The price of auto insurance can be rather high, but discounts can save money and there are some available that you may not even be aware of. Some discounts apply automatically when you get a quote, but some may not be applied and must be asked about prior to receiving the credit.

  • Auto/Life Discount – Select insurance companies reward you with better rates if you take out auto and life insurance together.
  • Military Rewards – Being deployed with a military unit could mean lower rates.
  • Multi-policy Discount – When you have multiple policies with one company you will save approximately 10% to 15%.
  • One Accident Forgiven – Some insurance companies allow you one accident before raising your premiums so long as you haven’t had any claims for a particular time prior to the accident.
  • Theft Prevention Discount – Vehicles with anti-theft systems can help prevent theft and earn discounts up to 10%.
  • Air Bag Discount – Cars that have air bags and/or automatic seat belt systems can get savings up to 30%.
  • Employee of Federal Government – Being employed by or retired from a federal job can save as much as 8% for Celica coverage with a few auto insurance companies.

Drivers should understand that many deductions do not apply to your bottom line cost. The majority will only reduce individual premiums such as physical damage coverage or medical payments. So when the math indicates having all the discounts means you get insurance for free, auto insurance companies aren’t that generous. Any qualifying discounts will help reduce your premiums.

Car insurance companies that may offer these money-saving discounts may include but are not limited to:

Before buying, ask each insurance company which discounts they offer. Discounts may not be available everywhere.

How to Compare Insurance

There are a variety of methods to compare 1996 Toyota Celica insurance quotes, but there is one way that is less labor-intensive and much quicker. You can spend your afternoon discussing policy coverages with local insurance agents in your area, or you can utilize online quotes for quick rates.

Many popular insurance companies take part in a program where insurance shoppers only type in their quote data once, and every company then returns a price quote based on that data. This saves time by eliminating quote forms for each company.

To compare pricing click here to start a free quote.

The only downside to using this type of form is that you can’t choose which providers to get quotes from. So if you want to select specific insurance companies to compare prices, we have a page of insurance companies in your area. Click to view list.

Whichever way you use, ensure you’re using exactly the same coverage information for each price quote. If each company quotes different liability limits you can’t possibly determine which rate is truly the best. Quoting even small variations in limits may result in large price differences. It’s important to know that comparing more company’s prices will enable you to find the best offered rates.

Insurance agents can help

When it comes to buying the best car insurance coverage for your personal vehicles, there is no perfect coverage plan. Your needs are not the same as everyone else’s so your insurance should reflect that For example, these questions could help you determine if you would benefit from an agent’s advice.

  • Should I put collision coverage on all my vehicles?
  • Why is insurance for a teen driver so high?
  • Is extra glass coverage worth it?
  • Am I covered when driving someone else’s vehicle?
  • Should I buy more coverage than the required minimum liability coverage?
  • Should I file a claim if it’s only slightly more than my deductible?
  • Can I still get insurance after a DUI?
  • How much liability coverage do I need in my state?

If you don’t know the answers to these questions but a few of them apply, you may need to chat with a licensed insurance agent. To find lower rates from a local agent, simply complete this short form or you can go here for a list of companies in your area.

Insurance coverages explained

Having a good grasp of your insurance policy can be of help when determining the right coverages and proper limits and deductibles. The coverage terms in a policy can be confusing and even agents have difficulty translating policy wording. Below you’ll find typical coverage types found on most insurance policies.

Med pay and Personal Injury Protection (PIP)

Personal Injury Protection (PIP) and medical payments coverage pay for short-term medical expenses for X-ray expenses, dental work and ambulance fees. They are used to cover expenses not covered by your health insurance policy or if you lack health insurance entirely. Coverage applies to you and your occupants as well as being hit by a car walking across the street. Personal Injury Protection is not available in all states but it provides additional coverages not offered by medical payments coverage

Coverage for liability

Liability coverage will cover damage that occurs to other people or property that is your fault. This insurance protects YOU against other people’s claims. It does not cover your injuries or vehicle damage.

Coverage consists of three different limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. As an example, you may have policy limits of 50/100/50 that means you have $50,000 bodily injury coverage, a total of $100,000 of bodily injury coverage per accident, and a limit of $50,000 paid for damaged property. Another option is one number which is a combined single limit which provides one coverage limit and claims can be made without the split limit restrictions.

Liability can pay for things like loss of income, repair bills for other people’s vehicles, medical expenses, emergency aid and bail bonds. How much coverage you buy is your choice, but it’s cheap coverage so purchase as much as you can afford.

Comprehensive insurance

This coverage covers damage from a wide range of events other than collision. A deductible will apply then your comprehensive coverage will pay.

Comprehensive can pay for things like a broken windshield, rock chips in glass and damage from a tornado or hurricane. The maximum amount you’ll receive from a claim is the ACV or actual cash value, so if it’s not worth much more than your deductible consider removing comprehensive coverage.

Uninsured/Underinsured Motorist (UM/UIM)

Your UM/UIM coverage protects you and your vehicle when other motorists either are underinsured or have no liability coverage at all. It can pay for hospital bills for your injuries as well as your vehicle’s damage.

Since a lot of drivers have only the minimum liability required by law, it only takes a small accident to exceed their coverage. This is the reason having UM/UIM coverage is a good idea. Most of the time your uninsured/underinsured motorist coverages are identical to your policy’s liability coverage.

Collision protection

Collision insurance covers damage to your Celica from colliding with an object or car. A deductible applies and then insurance will cover the remainder.

Collision can pay for claims like crashing into a ditch, crashing into a building, hitting a parking meter, damaging your car on a curb and hitting a mailbox. Paying for collision coverage can be pricey, so you might think about dropping it from vehicles that are older. It’s also possible to increase the deductible to get cheaper collision coverage.

More effort can pay off

As you shop your coverage around, it’s a bad idea to reduce needed coverages to save money. There have been many situations where an accident victim reduced liability coverage limits and discovered at claim time that the small savings ended up costing them much more. The proper strategy is to purchase plenty of coverage at a price you can afford.

Low-cost 1996 Toyota Celica insurance is possible both online and also from your neighborhood agents, and you need to comparison shop both to get a complete price analysis. Some car insurance companies may not provide you the ability to get quotes online and most of the time these smaller companies sell through independent agents.

More detailed car insurance information can be read in the articles below: