How Much Does 2013 Toyota Avalon Insurance Cost?

Searching for lower insurance coverage rates for your Toyota Avalon? Feel like you’re a prisoner to high-priced insurance coverage? Believe me, there are many people just like you.

Because you have many options when it comes to insurance coverage, it’s difficult to find the most cost effective insurance company.

Finding the best rates is not rocket science. If you are paying for car insurance now, you will be able to reduce your rates substantially using this information. Nevertheless, car owners benefit from understanding how big insurance companies market insurance on the web.

The quickest method to compare insurance rates from multiple companies is to take advantage of the fact most larger insurance companies will pay a fee to provide you with a free rate quote. The only thing you need to do is take a few minutes to give details like your credit rating estimate, if your license is active, whether or not you need a SR-22, and how your vehicles are used. Your details is sent automatically to insurance carriers in your area and they return rate quotes quickly.

To compare rates now, click here and enter your coverage details.

Don’t be fooled by advertising claims

Auto insurance companies such as Progressive, Geico, Allstate and State Farm constantly bombard you with television and radio advertisements. They all seem to say the same thing about savings if you switch your policy. How do they all claim to save you money? It’s all in the numbers.

Different companies are able to cherry pick for the right customer that makes them money. For instance, a profitable customer might be profiled as over the age of 50, has no tickets, and drives less than 7,500 miles a year. Any new insured who fits that profile is entitled to the best price and is almost guaranteed to cut their rates substantially.

Consumers who do not match the “perfect” profile will have to pay higher prices which usually ends up with the customer not buying. Company advertisements say “customers that switch” but not “drivers who get quotes” save that much money. That is how insurance companies can confidently claim big savings. Because of the profiling, drivers must get quotes from several different companies. You cannot predict which auto insurance company will give you the biggest savings on Toyota Avalon insurance.

Toyota Avalon insurance rates consist of many parts

It’s important that you understand some of the elements that help determine the rates you pay for auto insurance. Understanding what determines base rates empowers consumers to make smart changes that may reward you with much lower annual insurance costs.

The following are a partial list of the pieces used by your company to calculate rates.

Better credit means lower rates – Credit rating is a huge factor in determining your rates. Consumers who have high credit scores tend to be less risk to insure as compared to drivers with lower ratings. If your credit history can use some improvement, you could save money insuring your 2013 Toyota Avalon by spending a little time repairing your credit.
Policy add-ons can waste money – There are quite a few add-on coverages you can purchase if you aren’t careful. Coverages for rental car reimbursement, better glass coverage and motor club memberships are examples of these. These may sound like a good investment at first, but if you don’t need them eliminate them to save money.
Safe vehicles cost less to insure – Cars with high safety ratings can get you lower premiums. Safe vehicles result in less severe injuries and better occupant protection means lower claim amounts and lower rates for you. If your Toyota Avalon scored better than four stars on Safercar.gov it may be receiving lower rates.
Proper usage rating affects rates – The more miles you rack up on your Toyota in a year’s time the more you’ll pay to insure your vehicle. Almost all companies apply a rate based upon how you use the vehicle. Vehicles used primarily for pleasure use get more affordable rates than those used for commuting. Double check that your auto insurance policy properly reflects how each vehicle is driven. Incorrect usage on your Avalon can result in significantly higher rates.
Lower rates come with age – Older insureds tend to be more responsible, file fewer claims and receive fewer citations. Youthful drivers have a tendency to be careless and easily distracted when behind the wheel and because of this, their auto insurance rates are much higher.
Bump up deductibles to save – Your deductibles represent how much money you are willing to pay out-of-pocket in the event of a claim. Physical damage coverage, termed comprehensive and collision coverage on your policy, is used to repair damage to your car. Some examples of claims that would be covered could be colliding with a building, damage from fire, and burglary. The more money the insured has to pay upfront, the less your company will charge you for insurance for Avalon coverage.
You might want pay the small claims yourself – If you frequently file small claims, you can pretty much guarantee either a policy non-renewal or much higher rates. Auto insurance companies award cheaper rates to insureds who do not rely on their insurance for small claims. Auto insurance is intended for the large, substantial claims.
Being married can save on auto insurance – Being married can actually save you money on your auto insurance policy. It usually means you are more mature than a single person and it’s proven that married couples file fewer claims.

Verify you’re getting all your discounts

Car insurance companies don’t always list all available discounts very well, so here is a list some of the best known as well as the least known insurance coverage savings.

Distant Student – Any of your kids who attend school more than 100 miles from home without a vehicle on campus may be able to be covered for less.
Safe Drivers – Safe drivers may save up to 50% more for Avalon coverage than drivers with accidents.
Multi-car Discount – Having more than one vehicle on one policy may reduce the rate for each vehicle.
Student Driver Training – Require your teen driver to enroll in driver’s education if it’s offered in school.
Accident Free – Drivers with accident-free driving histories can save substantially compared to frequent claim filers.
Anti-theft System – Vehicles with anti-theft systems prevent vehicle theft and earn discounts up to 10%.
Own a Home – Being a homeowner can save you money because owning a home demonstrates responsibility.
Braking Control Discount – Vehicles equipped with ABS or steering control can reduce accidents and will save you 10% or more.

Consumers should know that most discount credits are not given to all coverage premiums. The majority will only reduce the cost of specific coverages such as liability, collision or medical payments. Just because it seems like all those discounts means the company will pay you, it just doesn’t work that way.

To see a list of providers with discount insurance coverage rates, click here.

When should I talk to an agent?

When buying adequate coverage for your vehicles, there really is not a “perfect” insurance plan. Every insured’s situation is different so your insurance needs to address that. These are some specific questions can aid in determining whether or not you would benefit from an agent’s advice.

Should I bundle my homeowners policy with my auto?
How much underlying liability do I need for an umbrella policy?
Can I afford to pay high deductible claims out of pocket?
Is my Toyota Avalon covered if I use it for business?
Should I put collision coverage on all my vehicles?
Is my teen driver covered when they drive my company car?
Do I have coverage when using my vehicle for my home business?
Is my cargo covered for damage or theft?
When should I not file a claim?

If you’re not sure about those questions but a few of them apply, you might consider talking to a licensed insurance agent. If you don’t have a local agent, complete this form or you can go here for a list of companies in your area.

Car insurance coverage options for a 2013 Toyota Avalon

Having a good grasp of a car insurance policy aids in choosing the right coverages at the best deductibles and correct limits. The terms used in a policy can be ambiguous and reading a policy is terribly boring. Shown next are typical coverage types found on most car insurance policies.

Collision coverages – Collision coverage will pay to fix damage to your Avalon resulting from a collision with another vehicle or an object, but not an animal. You will need to pay your deductible then your collision coverage will kick in.

Collision insurance covers things such as driving through your garage door, damaging your car on a curb, crashing into a building, crashing into a ditch and hitting a mailbox. This coverage can be expensive, so you might think about dropping it from lower value vehicles. You can also bump up the deductible to get cheaper collision coverage.

Comprehensive protection – This pays for damage that is not covered by collision coverage. You need to pay your deductible first then your comprehensive coverage will pay.

Comprehensive insurance covers things like vandalism, a tree branch falling on your vehicle, damage from a tornado or hurricane, fire damage and theft. The maximum amount you’ll receive from a claim is the cash value of the vehicle, so if it’s not worth much more than your deductible consider removing comprehensive coverage.

Coverage for liability – This protects you from damage or injury you incur to other’s property or people that is your fault. This insurance protects YOU from claims by other people. It does not cover your own vehicle damage or injuries.

Coverage consists of three different limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. As an example, you may have liability limits of 100/300/100 that translate to $100,000 bodily injury coverage, $300,000 for the entire accident, and a total limit of $100,000 for damage to vehicles and property.

Liability can pay for claims like repair bills for other people’s vehicles, emergency aid, pain and suffering and legal defense fees. How much coverage you buy is a personal decision, but it’s cheap coverage so purchase as much as you can afford.

Uninsured or underinsured coverage – Uninsured or Underinsured Motorist coverage protects you and your vehicle’s occupants from other motorists when they do not carry enough liability coverage. Covered losses include injuries to you and your family as well as damage to your Toyota Avalon.

Since a lot of drivers only carry the minimum required liability limits, it only takes a small accident to exceed their coverage. That’s why carrying high Uninsured/Underinsured Motorist coverage is a good idea.

Medical expense coverage – Personal Injury Protection (PIP) and medical payments coverage reimburse you for short-term medical expenses for things like doctor visits, chiropractic care and EMT expenses. They are used in conjunction with a health insurance plan or if you are not covered by health insurance. Medical payments and PIP cover all vehicle occupants and will also cover being hit by a car walking across the street. Personal injury protection coverage is not available in all states but it provides additional coverages not offered by medical payments coverage

Stretch your dollar

In this article, we presented some good ideas how to reduce 2013 Toyota Avalon insurance prices online. The most important thing to understand is the more companies you get rates for, the better your chances of lowering your rates. You may even discover the best prices are with a smaller regional carrier. These companies can often insure niche markets at a lower cost than the large multi-state companies such as Geico and State Farm.

When you buy insurance online, make sure you don’t skimp on critical coverages to save a buck or two. There are a lot of situations where consumers will sacrifice collision coverage only to discover later that the savings was not a smart move. Your aim should be to buy a smart amount of coverage at a price you can afford.