Save on 1999 Toyota Celica Insurance Cost

Have you fallen victim to an underperforming, overpriced car insurance policy? Believe me, there are many people just like you.

Because there are so many insurance providers from which to choose, it is hard for the average consumer to pick the lowest price company.

Smart consumers take time to compare rates on a regular basis because prices are variable and change quite frequently. Just because you found the lowest rates for Celica coverage two years ago there may be better deals available now. Block out anything you think you know about car insurance because we’re going to demonstrate the proper way to find the best coverage while lowering your premiums.

Finding the best rates is not that difficult. Basically, everyone who is shopping for auto insurance should be able to cut their insurance bill. But car owners must know how companies sell online because it can help you find the best coverage.

Factors that can influence insurance rates for a Toyota Celica

It’s important that you understand some of the elements that come into play when calculating the price you pay for insurance coverage. Understanding what controls the rates you pay helps enable you to make changes that could result in lower insurance coverage prices.

  • Your car’s features help determine rates – Purchasing a vehicle with a theft deterrent system can get you a discount on your insurance coverage. Theft prevention devices like GM’s OnStar, tamper alarm systems and vehicle immobilizers all aid in stopping car theft.
  • Don’t get talked into coverage you don’t need – There are many add-on coverages that you can buy on your insurance coverage policy. Things like rental car reimbursement, towing coverage and membership fees may be wasting your money. These coverages may sound good initially, but your needs may have changed so remove them from your policy.
  • How’s your driving record? – Only having one moving violation can increase rates by twenty percent. Good drivers have lower premiums than bad drivers. Drivers with serious tickets like DWI, reckless driving or hit and run convictions are required to file a proof of financial responsibility form (SR-22) with the DMV in their state in order to continue driving.
  • Pleasure use or commuting – The more miles you rack up on your Toyota each year the more you’ll pay to insure your vehicle. Most companies apply a rate based on their usage. Vehicles not used for work or commuting get more affordable rates compared to those used for work or business. Ask your agent if your insurance coverage policy properly reflects how each vehicle is driven. Incorrect usage on your Celica can result in significantly higher rates.
  • High crash test scores lower rates – Safer cars get lower rates. Safe vehicles result in less severe injuries and fewer injuries translates into savings for insurance companies and thus lower rates. If the Toyota Celica has ratings of a minimum an “acceptable” rating on the Insurance Institute for Highway Safety website or four stars on the National Highway Traffic Safety Administration website you are probably receiving a discount.

Compare Quotes for Car Insurance

Comparing car insurance rates can be a daunting task if you don’t understand the best way to get rate quotes. You can spend countless hours driving to local insurance agents in your area, or you could use online quoting to get rates in a matter of minutes.

Many of the larger companies are enrolled in a marketplace where prospective buyers only type in their quote data once, and at least one company then gives them pricing based on the submitted data. This saves time by eliminating quote forms to each individual car insurance company.

To compare 1999 Toyota Celica rates using this form now click here (opens in new window).

The only downside to using this type of form is you cannot specify the insurers to get pricing from. So if you prefer to pick specific providers to receive pricing from, we have assembled a list of companies who write car insurance in your area. View list of insurance companies.

It’s your choice how you get your quotes, but double check that you are using the exact same quote information on every quote you get. If you enter mixed coverages it will be very difficult to determine which rate is truly the best. Just a small difference in insurance coverages can make a big difference in price. And when comparison shopping, having more price comparisons will improve the odds of getting better pricing.

You probably qualify for some discounts

Companies don’t list all their discounts very well, so the following is a list of both the well known and also the lesser-known ways to save on insurance coverage.

  • Good Student – A discount for being a good student can earn a discount of 20% or more. Earning this discount can benefit you up until you turn 25.
  • Passive Restraints – Vehicles equipped with air bags and/or automatic seat belt systems can receive discounts of more than 20%.
  • E-sign – Some insurance companies will give a small break just for signing your application over the internet.
  • Discount for Life Insurance – Select insurance companies reward you with lower rates if you buy a life insurance policy as well.
  • Multiple Policy Discount – If you insure your home and vehicles with the same insurance company you may save up to 20% off your total premium.
  • Federal Employees – Employees or retirees of the government could cut as much as 10% off for Celica coverage with a few insurance coverage companies.
  • Seat Belts Save more than Lives – Buckling up and requiring all passengers to buckle their seat belts could save 15% on the medical payments or PIP coverage costs.
  • Discount for New Cars – Adding a new car to your policy can save up to 30% since new cars are generally safer.

A little note about advertised discounts, most discount credits are not given to the overall cost of the policy. Most cut the price of certain insurance coverages like collision or personal injury protection. Even though it may seem like all the discounts add up to a free policy, you’re out of luck.

Insurance companies that may have these benefits include:

Double check with each insurance company what discounts are available to you. All car insurance discounts may not be available in your state.

There’s no such thing as the perfect policy

When it comes to buying coverage for your personal vehicles, there really is no “perfect” insurance plan. Every insured’s situation is different so your insurance needs to address that. For example, these questions could help you determine if your insurance needs would benefit from professional advice.

  • When should I drop full coverage on my 1999 Toyota Celica?
  • Are all vehicle passengers covered by medical payments coverage?
  • At what point should I drop full coverage?
  • How much liability coverage do I need in my state?
  • Is other people’s property covered if stolen from my vehicle?
  • Why do I need rental car insurance?
  • Is my babysitter covered when using my vehicle?

If you’re not sure about those questions but one or more may apply to you then you might want to talk to a licensed insurance agent. If you want to speak to an agent in your area, complete this form or you can go here for a list of companies in your area.

Car insurance coverage information

Learning about specific coverages of insurance helps when choosing appropriate coverage for your vehicles. The coverage terms in a policy can be impossible to understand and even agents have difficulty translating policy wording. Shown next are the usual coverages found on most insurance policies.

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

Comprehensive coverage protects against things such as damage from a tornado or hurricane, theft, falling objects and damage from flooding. The highest amount a insurance company will pay at claim time is the ACV or actual cash value, so if your deductible is as high as the vehicle’s value it’s not worth carrying full coverage.

Uninsured or underinsured coverage – Your UM/UIM coverage provides protection from other motorists when they are uninsured or don’t have enough coverage. Covered losses include medical payments for you and your occupants and damage to your 1999 Toyota Celica.

Since many drivers carry very low liability coverage limits, their liability coverage can quickly be exhausted. So UM/UIM coverage is very important.

Medical expense coverage – Coverage for medical payments and/or PIP reimburse you for bills for hospital visits, pain medications and surgery. They are often utilized in addition to your health insurance program or if you are not covered by health insurance. Coverage applies to both the driver and occupants in addition to getting struck while a pedestrian. Personal injury protection coverage is only offered in select states and gives slightly broader coverage than med pay

Auto liability – This coverage can cover damages or injuries you inflict on other’s property or people in an accident. It protects YOU from claims by other people. It does not cover your own vehicle damage or injuries.

It consists of three limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You might see values of 100/300/100 that translate to $100,000 bodily injury coverage, a per accident bodily injury limit of $300,000, and $100,000 of coverage for damaged propery.

Liability coverage pays for things such as medical expenses, medical services, attorney fees and bail bonds. How much liability coverage do you need? That is a personal decision, but buy as much as you can afford.

Collision coverage – This will pay to fix damage to your Celica from colliding 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 protects against things such as colliding with a tree, scraping a guard rail and backing into a parked car. This coverage can be expensive, so consider removing coverage from vehicles that are 8 years or older. Drivers also have the option to raise the deductible to save money on collision insurance.

Compare but don’t skimp

You just read some good ideas how you can compare 1999 Toyota Celica insurance prices online. It’s most important to understand that the more rate quotes you have, the better your comparison will be. Consumers may even find the most savings is with a small local company. Regional companies may often insure only within specific states and give getter rates than their larger competitors like State Farm or Progressive.

Affordable insurance can be purchased from both online companies and also from your neighborhood agents, and you need to price shop both to get a complete price analysis. Some insurance providers may not provide the ability to get a quote online and many times these regional insurance providers only sell through independent insurance agents.

As you prepare to switch companies, make sure you don’t reduce coverage to reduce premium. There are a lot of situations where drivers have reduced liability coverage limits only to regret that saving that couple of dollars actually costed them tens of thousands. Your focus should be to purchase plenty of coverage at an affordable rate while still protecting your assets.

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