Compare 2012 Toyota Sienna Car Insurance Rates

If online auto insurance comparisons are new to you, you may be overwhelmed by the sheer number of online companies offering coverage.

You should take the time to take a look at other company’s rates yearly because insurance rates go up and down regularly. Just because you found the lowest price on Sienna coverage on your last policy you can probably find a lower rate today. Ignore everything you know about auto insurance because you’re about to find out the easiest way to find great coverage at a great price.

Pricing the best car insurance is simple if you know the tricks. Just about every driver who is required by state law to have car insurance will be able to find lower rates. But drivers do need to understand the way insurance companies sell online because it can help you find the best coverage.

The best way we recommend to get policy rate comparisons is to know the trick all the major auto insurance companies participate in online systems to provide you with a free rate quote. The only thing you need to do is give the companies some data such as how you use your vehicles, which vehicles you own, whether you have decent credit, and if you have an active license. Your rating data is instantly provided to multiple different insurance companies and you will receive price estimates quickly.

To compare multiple company rates now, click here and enter your zip code.

Lots of discounts mean lots of savings

Insurance can be prohibitively expensive, but discounts can save money and there are some available that you may not know about. Some discounts apply automatically when you get a quote, but less common discounts must be inquired about prior to receiving the credit.

Save over 55 – If you’re over the age of 55, you may receive a discount up to 10% on Sienna coverage.
Club Memberships – Belonging to a civic or occupational organization may earn a discount on insurance coverage on Sienna coverage.
Multiple Cars – Insuring all your vehicles with the same company qualifies for this discount.
Government Employees – Being employed by or retired from a federal job could cut as much as 10% off on Sienna coverage with select insurance companies.
Military Discounts – Being on active duty in the military may qualify for rate reductions.
Good Student Discount – A discount for being a good student can earn a discount of 20% or more. The good student discount can last until age 25.
Driver Safety – Successfully completing a defensive driving course could cut 5% off your bill if your company offers it.
Driver’s Ed – Require your teen driver to complete a driver education course in high school.
Discount for Life Insurance – Select insurance companies reward you with a discount if you purchase auto and life insurance together.

Consumers should know that many deductions do not apply to all coverage premiums. Most only reduce the price of certain insurance coverages like collision or personal injury protection. So when it seems like adding up those discounts means a free policy, companies wouldn’t make money that way. But all discounts will help reduce your premiums.

For a list of insurance companies offering insurance coverage discounts, follow this link.

Situations that might require an agent

When buying the right insurance coverage for your vehicles, there is no cookie cutter policy. Each situation is unique.

These are some specific questions may help you determine if your situation would benefit from an agent’s advice.

Are my friends covered when driving my car?
Do I need an umbrella policy?
What if I don’t agree with a claim settlement offer?
Why do I need rental car insurance?
How high should my medical payments coverage be?
Where can I find high-risk insurance?
Do I have coverage when pulling a U-Haul trailer?
Is my babysitter covered when using my vehicle?
Am I covered when driving someone else’s vehicle?
What is roadside assistance coverage?

If it’s difficult to answer those questions but you think they might apply to your situation, you may need to chat with a licensed agent. To find lower rates from a local agent, fill out this quick form.

Educate yourself about insurance coverages

Understanding the coverages of your insurance policy can be of help when determining the right coverages at the best deductibles and correct limits. The coverage terms in a policy can be impossible to understand and even agents have difficulty translating policy wording.

Comprehensive coverage

Comprehensive insurance coverage pays to fix your vehicle from damage that is not covered by collision coverage. You need to pay your deductible first and then insurance will cover the rest of the damage.

Comprehensive insurance covers claims such as damage from flooding, vandalism, fire damage, a broken windshield and a tree branch falling on your vehicle. The maximum amount your insurance company will pay is the ACV or actual cash value, so if the vehicle is not worth much consider dropping full coverage.

Medical payments coverage and PIP

Med pay and PIP coverage kick in for expenses like chiropractic care, dental work, hospital visits, rehabilitation expenses and surgery. They can be used to fill the gap from your health insurance plan or if you do not have health coverage. They cover not only the driver but also the vehicle occupants in addition to if you are hit as a while walking down the street. PIP coverage is not an option in every state and may carry a deductible

Uninsured/Underinsured Motorist coverage

Your UM/UIM coverage protects you and your vehicle when other motorists either have no liability insurance or not enough. It can pay for hospital bills for your injuries and also any damage incurred to your Toyota Sienna.

Because many people have only the minimum liability required by law, their limits can quickly be used up. This is the reason having UM/UIM coverage should not be overlooked. Most of the time your uninsured/underinsured motorist coverages do not exceed the liability coverage limits.

Liability coverage

Liability insurance provides protection from injuries or damage you cause to other people or property by causing an accident. This insurance protects YOU from legal claims by others. Liability doesn’t cover your injuries or vehicle damage.

Split limit liability has three limits of coverage: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You commonly see limits of 25/50/25 which stand for a limit of $25,000 per injured person, a limit of $50,000 in injury protection per accident, and property damage coverage for $25,000. Another option is a combined single limit or CSL which combines the three limits into one amount without having the split limit caps.

Liability coverage protects against claims such as funeral expenses, bail bonds, pain and suffering, emergency aid and medical expenses. How much coverage you buy is your choice, but consider buying as large an amount as possible.

Coverage for collisions

This covers damage to your Sienna resulting from colliding with an object or car. You have to pay a deductible then your collision coverage will kick in.

Collision coverage protects against claims like crashing into a building, hitting a parking meter and colliding with a tree. Paying for collision coverage can be pricey, so consider dropping it from vehicles that are 8 years or older. Drivers also have the option to raise the deductible to bring the cost down.