2002 Toyota Celica Car Insurance Quotes – 10 Discounts for Best Rates

Looking for better auto insurance rates for your Toyota Celica? Having to pay for overpriced auto insurance can take a big chunk out of your savings account and make it impossible to make ends meet. Doing a price comparison is a great way to tighten up your finances.

You have so many auto insurance companies to purchase coverage from, and though it is a good thing to have a selection, having more insurance companies makes it harder to find the best rates for your vehicles.

Buying car insurance is easy if you know what you’re doing. Essentially everyone who shops for car insurance most likely will be able to save money. Nevertheless, vehicle owners can benefit by having an understanding of the way companies market insurance on the web and take advantage of how the system works.

How to reduce Toyota Celica insurance rates

Auto insurance companies don’t always advertise every available discount in a way that’s easy to find, so we researched both the well known as well as the least known ways to save on insurance coverage.

  • Good Students Pay Less – This discount can be rewarded with saving of up to 25%. The good student discount can last up until you turn 25.
  • Drivers Ed for Students – Cut your cost by having your teen driver complete a driver education course in school.
  • Drive Safe and Save – Drivers who avoid accidents may save up to 50% more on Celica insurance than their less cautious counterparts.
  • Multi-policy Discount – When you combine your home and auto insurance with the same insurance company you may earn 10% to 20% off each policy.
  • Passive Restraint Discount – Vehicles with factory air bags or automatic seat belts can receive discounts of up to 25% or more.
  • Federal Employees – Active or retired federal employment can save as much as 8% on Celica insurance depending on your company.
  • No Charge for an Accident – Certain companies will allow you to have one accident before your rates go up so long as you haven’t had any claims for a certain period of time.
  • Multiple Cars – Buying insurance for all your vehicles on one policy can get a discount on all vehicles.
  • Memberships – Being a member of a professional or civic organization may earn a discount on insurance coverage on Celica insurance.
  • Low Mileage Discounts – Keeping the miles down on your Toyota could qualify for lower rates on the low mileage vehicles.

Keep in mind that some of the credits will not apply the the whole policy. Most only cut individual premiums such as medical payments or collision. So when it seems like you can get free auto insurance, it just doesn’t work that way.

A partial list of companies who might offer these discounts are:

Double check with each company which discounts they offer. Savings might not apply in your area.

The quickest way to get rate comparisons is to understand most larger insurance companies have advanced systems to compare rate quotes. The one thing you need to do is take a few minutes to give details including if a SR-22 is needed, whether you are married, whether the vehicles are used for commuting, and how old drivers are. Your rating data is submitted instantly to many different companies and you will receive price estimates almost instantly.

To find the cheapest 2002 Toyota Celica insurance rates, click here and complete the quick form.

Tailor your coverage to you

When it comes to choosing the right insurance coverage, there really is not a single plan that fits everyone. Every insured’s situation is different so your insurance should reflect that Here are some questions about coverages that can aid in determining if you could use an agent’s help.

  • Is my teen driver covered when they drive my company car?
  • Does my medical payments coverage pay my health insurance deductible?
  • Am I insured when driving a different vehicle?
  • At what point should I drop full coverage?
  • Are my friends covered when driving my car?
  • What is the rate difference between pleasure use and commuting?
  • Does my 2002 Toyota Celica qualify for pleasure use?
  • Are there companies who specialize in insuring high-risk drivers?
  • Are my tools covered if they get stolen from my vehicle?
  • When can my company non-renew my policy?

If you’re not sure about those questions, then you may want to think about talking to an insurance agent. If you want to speak to an agent in your area, fill out this quick form or go to this page to view a list of companies.

Auto insurance specifics

Having a good grasp of your auto insurance policy can be of help when determining the right coverages for your vehicles. The coverage terms in a policy can be difficult to understand and nobody wants to actually read their policy. Below you’ll find typical coverage types found on most auto insurance policies.

UM/UIM (Uninsured/Underinsured Motorist) coverage – This protects you and your vehicle from other motorists when they do not carry enough liability coverage. Covered losses include injuries sustained by your vehicle’s occupants as well as damage to your 2002 Toyota Celica.

Since many drivers have only the minimum liability required by law, their limits can quickly be used up. For this reason, having high UM/UIM coverages is a good idea.

Comprehensive auto coverage – This pays to fix your vehicle from damage that is not covered by collision coverage. You need to pay your deductible first and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive can pay for things like theft, vandalism and fire damage. The most you can receive from a comprehensive claim is the actual cash value, so if it’s not worth much more than your deductible it’s not worth carrying full coverage.

Collision coverages – Collision insurance pays to fix your vehicle from damage caused by collision with a stationary object or other vehicle. You first must pay a deductible then the remaining damage will be paid by your insurance company.

Collision coverage pays for claims such as crashing into a ditch, driving through your garage door and colliding with a tree. Collision coverage makes up a good portion of your premium, so consider dropping it from older vehicles. Another option is to choose a higher deductible to bring the cost down.

Liability coverages – Liability insurance will cover damage that occurs to other people or property. Liability coverage has three limits: bodily injury per person, bodily injury per accident and property damage. You might see limits of 25/50/25 which stand for a $25,000 limit per person for injuries, a total of $50,000 of bodily injury coverage per accident, and property damage coverage for $25,000.

Liability can pay for things like repair bills for other people’s vehicles, funeral expenses and structural damage. How much liability should you purchase? That is a decision to put some thought into, but buy higher limits if possible.

Medical payments and PIP coverage – Personal Injury Protection (PIP) and medical payments coverage kick in for short-term medical expenses like rehabilitation expenses, nursing services and pain medications. They are often used to cover expenses not covered by your health insurance policy or if there is no health insurance coverage. They cover both the driver and occupants in addition to being hit by a car walking across the street. PIP coverage is not available in all states and gives slightly broader coverage than med pay

You can do this!

You just learned many tips how you can save on 2002 Toyota Celica insurance. It’s most important to understand that the more providers you compare, the better your comparison will be. Drivers may discover the lowest rates come from some of the smallest insurance companies. These companies can often insure niche markets at a lower cost than their larger competitors like Progressive and Geico.

Affordable insurance can be purchased from both online companies in addition to many insurance agents, so you should be comparing quotes from both to get a complete price analysis. Some insurance companies do not provide online quoting and many times these small insurance companies only sell through independent insurance agents.

Additional learning opportunities