1997 Toyota Celica Car Insurance Cost

Looking for the cheapest insurance rates for your Toyota Celica? Are you tired of being strong-armed to pay your car insurance bill each month? You are in the same boat as millions of other consumers.

Since consumers have many insurance companies to choose from, it can be challenging to find the cheapest provider.

This information will tell you the most effective way to quote insurance. If you currently have a car insurance policy, you will be able to save some money using these techniques. Although consumers do need to know the way insurance companies price online insurance and apply this information to your search.

Insurance Comparisons

All major insurance companies allow you to get price estimates online. Obtaining pricing is fairly simple as you simply enter your required coverages into the quote form. After the form is submitted, their system will obtain your credit score and driving record and returns a price. Being able to quote online helps simplify price comparisons, but the time it takes to visit different websites and enter the same data into a form is repetitive and time-consuming. But it’s absolutely necessary to have as many quotes as possible if you are searching for lower prices.

A quicker way to locate the lowest prices uses one form to return rates from many companies. It saves time, requires less work, and makes quoting online much more efficient. Immediately after submitting the form, it gets priced and you can choose any one of the pricing results.

If you find a better price you can simply submit the application and buy the new coverage. This process takes just a few minutes to complete and you will find out if you’re overpaying now.

If you want to compare rates now, click here to open in new window and submit the form. If you currently have coverage, we recommend that you enter the insurance coverages identical to your current policy. This makes sure you will have an apples-to-apples comparison for exact coverage.

Cut your car insurance rates with discounts

The price of auto insurance can be rather high, but there are discounts available that can drop the cost substantially. Certain discounts will be triggered automatically at quote time, but a few need to be manually applied before you get the savings.

  • Service Members Pay Less – Having a family member in the military may qualify for rate reductions.
  • Paperwork-free – Certain companies may give you up to $50 just for signing your application online.
  • Accident Waiver – Certain companies permit an accident without raising rates as long as you don’t have any claims prior to the accident.
  • Bundle and Save – If you insure your home and vehicles with one company you may save up to 20% off your total premium.
  • No Accidents – Claim-free drivers can save substantially when compared with drivers who are more careless.
  • Homeowners Pay Less – Owning a house may earn you a small savings because owning a home shows financial diligence.
  • Braking Control Discount – Cars that have steering control and anti-lock brakes can reduce accidents and earn discounts up to 10%.
  • Multiple Vehicles – Buying coverage for multiple vehicles on one policy qualifies for this discount.
  • Safety Course Discount – Taking part in a defensive driving course could save 5% or more and easily recoup the cost of the course.
  • Senior Discount – Mature drivers may receive a discount up to 10% on Celica coverage.

It’s important to understand that most credits do not apply to all coverage premiums. Some only apply to the price of certain insurance coverages like liability, collision or medical payments. So when it seems like adding up those discounts means a free policy, you’re out of luck. Any qualifying discounts will reduce your premiums.

For a list of insurers offering car insurance discounts, click this link.

What determines your Toyota Celica insurance premium

An important part of buying insurance is that you know the factors that play a part in calculating insurance rates. When you know what positively or negatively controls the rates you pay helps enable you to make changes that may reward you with big savings.

Shown below are a partial list of the pieces that factor into rates.

  • Are you male or female? – Statistics show women tend to be less risk to insure than men. That doesn’t necessarily mean that men are WORSE drivers than women. Men and women tend to get into accidents at a similar rate, but the male of the species cause more damage. Men also tend to get more serious tickets such as DWI and reckless driving. Teenage male drivers are most likely to cause an accident and thus pay the highest rates.
  • Choose a safe vehicle and save – Safer cars can get you lower premiums. Safe vehicles reduce injuries and any reduction in injury severity means lower claim amounts and thus lower rates. If the Toyota Celica scored better than an “acceptable” rating on the Insurance Institute for Highway Safety website or four stars on the National Highway Traffic Safety Administration website it is probably cheaper to insure.
  • Where you reside plays a part – Living in a small town is a positive aspect when insuring your vehicles. Fewer drivers translates into fewer accidents and a lower car theft rate. Urban drivers regularly have more traffic problems and longer commute times. Higher commute times translates into higher accident risk.
  • Car features impact rates – Purchasing a vehicle with anti-theft technology or alarm system can help bring down rates. Anti-theft features like GM’s OnStar, tamper alarm systems and vehicle immobilizers all aid in stopping your car from being stolen.
  • Your insurance rates can be influenced by your job – Jobs such as doctors, business owners and accountants are shown to have higher rates than average in part from stressful work requirements and lengthy work days. On the flip side, professions such as farmers, athletes and the unemployed pay the least on Celica coverage.
  • Lower miles equals lower premium – The more you drive every year the more you will pay for insurance. The majority of insurers price each vehicle’s coverage based upon how you use the vehicle. Cars not used for work or commuting qualify for better rates than vehicles that are driven to work every day. If your policy improperly rates your Celica may be costing you. Ask your agent if your insurance policy shows the correct driver usage.
  • Don’t let your coverage lapse – Allowing your coverage to lapse will be a guaranteed way to bump up your insurance costs. Not only will you pay more, failure to provide proof of insurance might get you a hefty fine and possibly a revoked license.You may need to submit proof of financial responsibility or a SR-22 with your state motor vehicle department to get your license reinstated.
  • Discounts for multiple policies – The majority of insurers will award you with lower prices to people who buy several policies from them in the form of a multi-policy discount. Even if you’re getting this discount it’s still a good idea to comparison shop to make sure you are getting the best deal. Consumers may find better rates by insuring with multiple companies.

You are unique and your insurance coverage should be too

When buying adequate coverage for your personal vehicles, there really is no single plan that fits everyone. Everyone’s situation is a little different and your policy should reflect that. For example, these questions might point out if you might need an agent’s assistance.

  • Do I have any recourse if my insurance company denies a claim?
  • Who is covered by my policy?
  • How many claims can I have before being cancelled?
  • Do I have coverage when using my vehicle for my home business?
  • Can my teen driver be rated on a liability-only vehicle?
  • Should I buy more coverage than the required minimum liability coverage?
  • Do I pay less if my vehicle is kept in my garage?
  • What is covered by UM/UIM coverage?
  • Do I get a pro-rated refund if I cancel my policy early?

If you can’t answer these questions but you think they might apply to your situation, you may need to chat with a licensed agent. To find an agent in your area, take a second and complete this form or you can also visit this page to select a carrier

Save $420 a year. For real?

Allstate, Geico and Progressive continually stream television and radio advertisements. All the companies make an identical promise that you’ll save big after switching to their company. How do they all say the same thing? This is how they do it.

Different companies have a certain “appetite” for the type of driver that is profitable for them. For instance, a desirable insured could possibly be a mature driver, has no prior claims, and has excellent credit. A propective insured who fits that profile will get the preferred rates and therefore will save a lot of money.

Drivers who don’t meet this ideal profile will have to pay higher premiums and this can result in business not being written. The ads state “people who switch” not “everyone that quotes” save that kind of money. That’s the way companies can advertise the savings.

Because of the profiling, drivers must get quotes from several different companies. Because you never know the company that will fit your personal profile best.

Auto insurance coverage information

Learning about specific coverages of insurance can be of help when determining appropriate coverage and the correct deductibles and limits. Policy terminology can be impossible to understand and coverage can change by endorsement. Below you’ll find the usual coverages found on most insurance policies.

Medical expense coverage – Medical payments and Personal Injury Protection insurance pay for bills for prosthetic devices, EMT expenses and doctor visits. They are often used in conjunction with a health insurance policy or if you are not covered by health insurance. Coverage applies to both the driver and occupants and also covers any family member struck as a pedestrian. Personal Injury Protection is only offered in select states and gives slightly broader coverage than med pay

Liability – This can cover damages or injuries you inflict on other people or property. This insurance protects YOU against other people’s claims, and doesn’t cover your injuries or vehicle damage.

Liability coverage has three limits: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. Your policy might show liability limits of 50/100/50 that means you have $50,000 in coverage for each person’s injuries, a per accident bodily injury limit of $100,000, and a total limit of $50,000 for damage to vehicles and property. Another option is a combined limit which limits claims to one amount and claims can be made without the split limit restrictions.

Liability insurance covers things such as loss of income, bail bonds, pain and suffering and repair bills for other people’s vehicles. How much coverage you buy is your choice, but you should buy as high a limit as you can afford.

Comprehensive protection – This covers damage from a wide range of events other than collision. You first must pay your deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage pays for claims such as theft, hail damage, hitting a deer and vandalism. The most your insurance company will pay is the market value of your vehicle, so if the vehicle is not worth much it’s probably time to drop comprehensive insurance.

Uninsured or underinsured coverage – This protects you and your vehicle when the “other guys” do not carry enough liability coverage. This coverage pays for hospital bills for your injuries as well as damage to your Toyota Celica.

Due to the fact that many drivers have only the minimum liability required by law, their liability coverage can quickly be exhausted. This is the reason having UM/UIM coverage is important protection for you and your family. Frequently your uninsured/underinsured motorist coverages are set the same as your liablity limits.

Collision coverage – This covers damage to your Celica resulting from a collision with an object or car. A deductible applies and then insurance will cover the remainder.

Collision coverage pays for things such as rolling your car, sustaining damage from a pot hole, hitting a mailbox, colliding with another moving vehicle and crashing into a building. This coverage can be expensive, so you might think about dropping it from older vehicles. Another option is to increase the deductible to get cheaper collision coverage.

In Summary

In this article, we presented a lot of ways to get a better price on 1997 Toyota Celica 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. Consumers may even find the biggest savings come from an unexpected company. These companies may have significantly lower rates on certain market segments than the large multi-state companies such as Allstate and Progressive.

When buying insurance coverage, it’s very important that you do not buy poor coverage just to save money. In many instances, an insured dropped collision coverage and found out when filing a claim that the small savings ended up costing them much more. The ultimate goal is to purchase a proper amount of coverage at an affordable rate while not skimping on critical coverages.

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