How Much Does 2016 Toyota Avalon Insurance Cost?

Want the cheapest auto insurance rates for your Toyota Avalon? Trying to find the cheapest insurance for a new or used Toyota Avalon can turn out to be a lot of work, but you can use these tips and make it easy.

There is a better way to compare auto insurance rates and you need to know the proper way to price shop coverage for a Toyota and locate the cheapest rates from local insurance agents and online providers.

Locating the cheapest auto insurance is not that difficult. If you have insurance now or are looking for a new policy, you can use these tips to cut your premiums while maintaining coverages. Vehicle owners only need an understanding of the best way to shop online.

How to get low cost auto insurance

Most major insurance companies like State Farm, Geico and Progressive allow you to get prices from their websites. Comparing prices online is quite easy because you just enter the amount of coverage you want into the quote form. After you complete the form, their rating system pulls reports for credit and driving violations and generates a price based on these and other factors.

Online price quotes makes it simple to compare prices but the time required to go to several different sites and type in the same data is a waste of time. But it’s necessary to have as many quotes as possible in order to find the lowest auto insurance rates.

Isn’t there an easier way to compare rates?

A more efficient way to lower your rates utilizes a single form that analyzes rates from multiple companies. The form is fast, reduces the work, and makes online quotes much easier to do. After your information is entered, your coverage is rated and you can select any or none of the resulting price quotes.

If the quotes result in lower rates, you simply finish the application and purchase coverage. The whole process can be completed in less than 10 minutes and may result in a nice savings.

In order to compare pricing, click here to open in a new tab and enter your information. To compare your current rates, we recommend you input identical to your current policy. Using the same limits helps guarantee you are getting a rate comparison using the same coverage and limits.

Take advantage of every car insurance discount

Auto insurance companies do not advertise every discount they offer in an easy-to-find place, so we researched a few of the more common and the more hidden discounts that you can inquire about if you buy auto insurance online.

  • Early Signing – Some car insurance companies reward drivers for renewing your policy prior to your current policy expiration. Ten percent is about the average savings.
  • College Student Discount – Any of your kids who live away from home at college without a vehicle on campus may qualify for this discount.
  • Air Bag Discount – Cars that have air bags or automatic seat belts can receive discounts of up to 25% or more.
  • Safety Course Discount – Taking part in a course in driver safety may get you a small discount and easily recoup the cost of the course.
  • ABS Brakes – Anti-lock brake equipped vehicles can reduce accidents and will save you 10% or more.
  • Senior Citizen Rates – If you’re over the age of 55, you can get a discount up to 10% on Avalon insurance.
  • Own a Home and Save – Just being a homeowner may earn you a small savings since home ownership means you have a higher level of financial diligence.
  • More Vehicles More Savings – Buying coverage for several vehicles with the same company can get a discount for every vehicle.
  • Auto/Home Discount – If you combine your auto and home policies with the same company you may save at least 10% off all policies.
  • Anti-theft System – Vehicles with anti-theft systems have a lower chance of being stolen and earn discounts up to 10% off your auto insurance quote.

Drivers should understand that most discount credits are not given to your bottom line cost. Most only apply to the price of certain insurance coverages like liability, collision or medical payments. Even though it may seem like all the discounts add up to a free policy, it’s just not the way it works.

A few of the larger companies and the discounts they provide are outlined below.

  • State Farm may have discounts that include good student, multiple policy, defensive driving training, good driver, and accident-free.
  • Liberty Mutual includes discounts for new vehicle discount, multi-policy, newly retired, multi-car, and hybrid vehicle.
  • American Family has savings for mySafetyValet, good student, air bags, defensive driver, early bird, and good driver.
  • Progressive offers discounts for good student, online signing, continuous coverage, multi-vehicle, homeowner, and multi-policy.
  • Farmers Insurance may offer discounts for business and professional, switch companies, teen driver, electronic funds transfer, pay in full, youthful driver, and early shopping.
  • Auto-Owners Insurance discounts include mature driver, anti-lock brakes, good student, group or association, company car, and teen driver.
  • SAFECO may include discounts for multi-car, teen safety rewards, accident prevention training, safe driver, teen safe driver, and homeowner.

If you need low cost auto insurance quotes, ask each insurance company which discounts they offer. A few discounts might not apply in your area. For a list of insurers who offer car insurance discounts, click this link.

How to know if you need help

When choosing coverage for your personal vehicles, there is no single plan that fits everyone. Everyone’s needs are different.

For example, these questions might point out whether your personal situation could use an agent’s help.

  • Should I put collision coverage on all my vehicles?
  • What vehicles should carry emergency assistance coverage?
  • Should I rate my 2016 Toyota Avalon as pleasure use or commute?
  • What companies insure drivers after a DUI or DWI?
  • Why am I required to buy liability insurance?
  • Do I need to file an SR-22 for a DUI in my state?
  • When does my teenage driver need to be added to my policy?

If you don’t know the answers to these questions but a few of them apply then you might want to talk to a licensed insurance agent. If you don’t have a local agent, fill out this quick form. It’s fast, free and can provide invaluable advice.

Smart consumers save more

Multiple criteria are used when quoting car insurance. Some of the criteria are obvious like your driving record, but others are not as apparent like your continuous coverage or your financial responsibility.It’s important that you understand the different types of things that aid in calculating your premiums. When you know what positively or negatively impacts premium levels, this enables informed choices that may reward you with cheaper rates.

Shown below are some of the major factors companies use to determine premiums.

  • Auto insurance rates and your occupation – Do you work in a high-stress field? Careers like doctorspolice officers and emergency personnel have higher premium rates in part from high stress levels and lengthy work days. On the flip side, jobs such as farmers, students and homemakers have the lowest average rates on Avalon insurance.
  • Males pay higher premiums – Statistics demonstrate that men are more aggressive behind the wheel. However, this does not mean females are better at driving than males. Males and females cause auto accidents at about the same rate, but the males have costlier accidents. They also get higher numbers of serious violations like DWI (DUI) or reckless driving.
  • If you don’t need it don’t buy it – Insurance policies have a lot of optional add-on coverages that sound like a good idea at the time if you don’t pay attention. Insurance for rental car reimbursement, better glass coverage, and extra equipment coverage could be just wasting money. You may think they are a good idea when talking to your agent, but if you have no use for them eliminate them to save money.
  • More traffic means higher claims – Living in less populated areas of the country can be a good thing when insuring your vehicles. Fewer drivers on the road means fewer accidents. Urban drivers have to deal with much more traffic and a longer drive to work. More time on the road means higher likelihood of an accident.
  • How much liability – Liability insurance will provide protection in the event that you are determined to be liable for damages from an accident. Your liability coverage provides legal defense which can cost a lot. Liability is cheap compared to other policy coverages, so drivers should make sure they buy enough to cover all assets.

Buyer beware of auto insurance advertising tricks

Drivers constantly see and hear ads that promise big savings for switching from companies such as State Farm, Geico and Progressive. They all advertise the message about saving some big amount just by switching your policy.

How is it possible that every company can offer drivers better rates? Here is the trick they use.

Many companies quote their best rates for the type of insured that makes them money. For example, this type of insured could possibly be between the ages of 30 and 45, insures multiple vehicles, and drives a safe vehicle. A driver who matches those parameters will get very good premium rates and is almost guaranteed to save some money.

Consumers who don’t measure up to the “perfect” profile will be charged more expensive rates which leads to business going elsewhere. If you pay attention, the ads say “drivers who switch” but not “everyone who gets a quote” save money. That is how companies can make the claims of big savings.

This really drives home the point why you really should compare free auto insurance quotes often. Because you cannot predict with any certainty which company will give you lower rates than your current company.

Insurance coverages explained

Knowing the specifics of your policy aids in choosing which coverages you need and the correct deductibles and limits. The terms used in a policy can be difficult to understand and even agents have difficulty translating policy wording.

Medical payments and PIP coverage – Personal Injury Protection (PIP) and medical payments coverage provide coverage for bills for X-ray expenses, pain medications, doctor visits and surgery. They are used to cover expenses not covered by your health insurance program or if you do not have health coverage. It covers not only the driver but also the vehicle occupants in addition to getting struck while a pedestrian. Personal injury protection coverage is only offered in select states and may carry a deductible

Liability car insurance – This provides protection from damage or injury you incur to other’s property or people in an accident. This insurance protects YOU against claims from other people. It does not cover damage sustained by your vehicle in an accident.

Liability coverage has three limits: bodily injury per person, bodily injury per accident and property damage. As an example, you may have values of 100/300/100 that means you have $100,000 in coverage for each person’s injuries, $300,000 for the entire accident, and $100,000 of coverage for damaged propery. Another option is one limit called combined single limit (CSL) that pays claims from the same limit rather than limiting it on a per person basis.

Liability insurance covers things such as funeral expenses, medical services and emergency aid. How much liability should you purchase? That is up to you, but it’s cheap coverage so purchase as high a limit as you can afford.

UM/UIM (Uninsured/Underinsured Motorist) coverage – This coverage provides protection from other motorists when they either are underinsured or have no liability coverage at all. Covered losses include injuries to you and your family as well as your vehicle’s damage.

Due to the fact that many drivers only purchase the least amount of liability that is required, their liability coverage can quickly be exhausted. This is the reason having UM/UIM coverage is important protection for you and your family. Usually the UM/UIM limits are similar to your liability insurance amounts.

Comprehensive auto coverage – This pays to fix your vehicle from damage that is not covered by collision coverage. A deductible will apply then the remaining damage will be covered by your comprehensive coverage.

Comprehensive insurance covers claims such as a tree branch falling on your vehicle, damage from flooding, damage from a tornado or hurricane and a broken windshield. The most you’ll receive from a claim is the ACV or actual cash value, so if it’s not worth much more than your deductible it’s not worth carrying full coverage.

Collision coverages – Collision coverage covers damage to your Avalon resulting from a collision with a stationary object or other vehicle. You have to pay a deductible then the remaining damage will be paid by your insurance company.

Collision coverage pays for claims like hitting a mailbox, hitting a parking meter, backing into a parked car, damaging your car on a curb and rolling your car. Collision is rather expensive coverage, so analyze the benefit of dropping coverage from older vehicles. You can also bump up the deductible to bring the cost down.

Smart shoppers get results

People change insurance companies for many reasons like an unsatisfactory settlement offer, delays in responding to claim requests, policy cancellation or poor customer service. It doesn’t matter what your reason, finding a new company is easier than you think.

When searching for cheaper auto insurance quotes, make sure you don’t reduce needed coverages to save money. In many cases, someone sacrificed collision coverage only to regret they didn’t have enough coverage. Your objective should be to get the best coverage possible at the best price.

Cheaper insurance coverage can be bought online and from local insurance agents, and you should be comparing both so you have a total pricing picture. Some insurance providers may not have online price quotes and most of the time these smaller companies prefer to sell through independent insurance agents.

More detailed insurance coverage information is available in the articles below: