2013 Toyota Sienna Insurance Quotes

Looking for cheaper auto insurance rates for your Toyota Sienna? If you’re new to shopping for auto insurance online, you may be overwhelmed by the hoards of online auto insurance companies and websites offering insurance.

Vehicle Insurance Comparison

Shopping for lower auto insurance rates can take hours if you don’t know the best way to get rate quotes. You can spend countless hours driving to agents in your area, or you can utilize online quoting to quickly compare rates.

The majority of car insurance companies are enrolled in a marketplace where insurance shoppers only type in their quote data once, and every company then gives them pricing based on that data. This prevents consumers from doing quote requests to every company. To get comparison pricing now click here to start a free quote.

The single downside to getting quotes like this is you are unable to specify the insurers to get pricing from. If you wish to select individual companies to compare prices, we have a listing of companies who write auto insurance in your area. View list of insurance companies.

It’s up to you how you get prices quotes, just ensure you are comparing exactly the same coverage information for every company. If you use different liability limits then you won’t be able to decipher which rate is best. Quoting even small variations in coverage limits may cause a big price difference. And when quoting auto insurance, remember that comparing more company’s prices gives you a better chance of getting better pricing.

More discounts equal less premium

Companies offering auto insurance don’t always advertise all available discounts in an easy-to-find place, so the following is a list of both the well known and the harder-to-find ways to save on car insurance.

• Bundle and Save – When you combine your home and auto insurance with one company you may earn at least 10% off all policies.
• Discounts for Safe Drivers – Drivers who avoid accidents can get discounts for up to 45% lower rates for Sienna coverage than drivers with accident claims.
• Seat Belt Usage – Using a seat belt and requiring all passengers to wear their seat belts could save 15% on the medical payments or PIP coverage costs.
• Anti-theft Discount – Cars that have factory anti-theft systems prevent vehicle theft and therefore earn up to a 10% discount.
• One Accident Forgiven – Some insurance companies will allow you to have one accident without raising rates if your claims history is clear for a certain period of time.

It’s important to understand that some of the credits will not apply to your bottom line cost. A few only apply to the price of certain insurance coverages like comp or med pay. Just because it seems like all those discounts means the company will pay you, companies wouldn’t make money that way.

To see a list of providers with discount car insurance rates, follow this link.

It’s not one size fits all

When buying the right insurance coverage, there really is not a best way to insure your cars. Every insured’s situation is different.

Here are some questions about coverages that may help highlight if your situation might need professional guidance.

• What exactly is covered by my policy?
• Do I need PIP coverage since I have good health insurance?
• Can my teen driver be rated on a liability-only vehicle?
• Am I covered if I hit my neighbor’s mailbox?
• What vehicles should carry emergency assistance coverage?
• Do I need to file an SR-22 for a DUI in my state?
• Should I drop comprehensive coverage on older vehicles?

If you can’t answer these questions but you know they apply to you, then you may want to think about talking to an insurance agent. If you want to speak to an agent in your area, take a second and complete this form.

Insurance specifics

Having a good grasp of your insurance policy aids in choosing the best coverages and the correct deductibles and limits. The coverage terms in a policy can be impossible to understand and reading a policy is terribly boring.

Comprehensive (Other than Collision) – This coverage will pay to fix damage caused by mother nature, theft, vandalism and other events. You first must pay your deductible and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive coverage pays for claims such as theft, hail damage and hitting a deer. The most you can receive from a comprehensive claim is the market value of your vehicle, so if the vehicle is not worth much it’s not worth carrying full coverage.

Medical expense insurance – Personal Injury Protection (PIP) and medical payments coverage provide coverage for short-term medical expenses for things like prosthetic devices, pain medications, doctor visits and dental work. They are often used in conjunction with a health insurance policy or if you are not covered by health insurance. Medical payments and PIP cover both the driver and occupants and will also cover being hit by a car walking across the street. PIP is not available in all states and gives slightly broader coverage than med pay

Protection from uninsured/underinsured drivers – This gives you protection from other motorists when they are uninsured or don’t have enough coverage. This coverage pays for injuries to you and your family and damage to your 2013 Toyota Sienna.

Since many drivers only purchase the least amount of liability that is required, it doesn’t take a major accident to exceed their coverage limits. That’s why carrying high Uninsured/Underinsured Motorist coverage is important protection for you and your family.

Collision – Collision coverage will pay to fix damage to your Sienna caused by collision with another vehicle or an object, but not an animal. A deductible applies and the rest of the damage will be paid by collision coverage.

Collision can pay for things like sustaining damage from a pot hole, driving through your garage door, damaging your car on a curb and sideswiping another vehicle. Collision is rather expensive coverage, so analyze the benefit of dropping coverage from vehicles that are 8 years or older. It’s also possible to increase the deductible in order to get cheaper collision rates.

Auto liability – This provides protection from damage that occurs to people or other property that is your fault. It protects you from legal claims by others, and doesn’t cover damage to your own property or vehicle.

Coverage consists of three different limits, bodily injury per person, bodily injury per accident and property damage. You commonly see liability limits of 100/300/100 which stand for $100,000 in coverage for each person’s injuries, a limit of $300,000 in injury protection per accident, and a total limit of $100,000 for damage to vehicles and property.

Liability coverage protects against things like structural damage, repair bills for other people’s vehicles and pain and suffering. The amount of liability coverage you purchase is a decision to put some thought into, but consider buying as high a limit as you can afford.