2017 Toyota Sienna Insurance Cost – 7 Policy Discounts

Do you think you bought overpriced insurance coverage? Trust us, there are many people just like you. Consumers have multiple car insurance companies to pick from, and although it’s a good thing to have a selection, more choices can make it harder to find the best rates for your vehicles.

Find discounts to get cheap insurance coverage quotes

Insurance can cost an arm and a leg, but there could be significant discounts that many consumers don’t even know exist. Some discounts apply automatically at the time of quoting, but some need to be asked for prior to getting the savings. If you are not receiving all the discounts available, you’re paying more than you need to.

  • One Accident Forgiven – This isn’t a discount exactly, but a handful of insurance companies may permit one accident without getting socked with a rate hike with the catch being you have to be claim-free prior to being involved in the accident.
  • Membership in Organizations – Belonging to qualifying employment or professional organizations is a simple method to lower premiums on your bill.
  • Drive Less and Save – Keeping the miles down on your Toyota could earn substantially lower premium rates.
  • Discount for Swiching Early – Some companies provide a discount for switching policies prior to your current policy expiring. Ten percent is about the average savings.
  • Discount for Good Grades – Performing well in school could provide a savings of up to 20% or more. The discount lasts well after school through age 25.
  • Student Discount for Driver Training – Make teen driver coverage more affordable by requiring them to sucessfully take a drivers education course as it can save substantially.
  • E-sign Discounts – A few larger online companies will provide an incentive shop insurance coverage digitally online.

Discounts reduce rates, but you should keep in mind that some credits don’t apply to the entire policy premium. Most only cut the price of certain insurance coverages like collision or personal injury protection. Despite the fact that it seems like it’s possible to get free car insurance, you won’t be that lucky.

To see a list of insurance coverage companies with discount insurance coverage rates, follow this link.

The car insurance bait and switch

Consumers can’t get away from ads for the lowest price car insurance by companies like Geico, State Farm and Progressive. All the ads seem to make the promise about how much you will save if you get a free insurance coverage quote and switch your policy.

It sounds good, but how can they all give you a better price? It’s all in the wording.

Different companies have a preferred profile for the right customer that earns them the most money. A good example of this type of risk profile should be between 30 and 50, is a homeowner, and chooses high deductibles. Someone that fits those parameters will get a cheap rate quote and therefore will save a lot of money.

Drivers who don’t qualify for these criteria must pay higher prices and this can result in business not being written. If you pay attention, the ads say “customers that switch” not “everyone who quotes” save money. That is how insurance companies can make claims like that.

This illustrates why it is so important to compare rate quotes every year. It’s just not possible to know which insurance companies will fit you best based on your risk profile.

Tailor your car insurance coverage to you

When buying the best car insurance coverage for your personal vehicles, there really is no best way to insure your cars. Every insured’s situation is different so this has to be addressed. For example, these questions could help you determine if your insurance needs could use an agent’s help.

  • Can I pay claims out-of-pocket if I buy high deductibles?
  • Do I need replacement cost coverage on my 2017 Toyota Sienna?
  • Do I need special endorsements for business use of my vehicle?
  • What vehicles should carry emergency assistance coverage?
  • What is high-risk coverage and where do I buy it?
  • Will my vehicle be repaired with OEM or aftermarket parts?

If you don’t know the answers to these questions but you think they might apply to your situation, then you may want to think about talking to a licensed agent. If you don’t have a local agent, simply complete this short form or you can also visit this page to select a carrier It is quick, free and you can get the answers you need.

Insurance specifics

Having a good grasp of your policy aids in choosing the right coverages for your vehicles. Insurance terms can be impossible to understand and nobody wants to actually read their policy. Below you’ll find typical coverages found on the average insurance policy.

Coverage for liability – This coverage provides protection from damage or injury you incur to other’s property or people that is your fault. This coverage protects you from legal claims by others, and does not provide coverage for your own vehicle damage or injuries.

Liability coverage has three limits: per person bodily injury, per accident bodily injury, and a property damage limit. Your policy might show policy limits of 100/300/100 that translate to a limit of $100,000 per injured person, a total of $300,000 of bodily injury coverage per accident, and a total limit of $100,000 for damage to vehicles and property. Some companies may use one limit called combined single limit (CSL) which provides one coverage limit and claims can be made without the split limit restrictions.

Liability insurance covers claims like emergency aid, pain and suffering, structural damage and medical services. The amount of liability coverage you purchase is a personal decision, but buy as much as you can afford.

Comprehensive insurance – Comprehensive insurance coverage will pay to fix damage from a wide range of events other than collision. You first must pay your deductible and then insurance will cover the rest of the damage.

Comprehensive coverage protects against claims such as rock chips in glass, a broken windshield and falling objects. The highest amount a insurance company will pay at claim time is the cash value of the vehicle, so if the vehicle is not worth much consider removing comprehensive coverage.

Med pay and Personal Injury Protection (PIP) – Personal Injury Protection (PIP) and medical payments coverage reimburse you for immediate expenses for things like chiropractic care, dental work, pain medications and EMT expenses. The coverages can be used to cover expenses not covered by your health insurance plan or if you do not have health coverage. Coverage applies to not only the driver but also the vehicle occupants in addition to being hit by a car walking across the street. PIP is not an option in every state and may carry a deductible

Collision – This coverage pays to fix your vehicle from damage from colliding with a stationary object or other vehicle. A deductible applies then your collision coverage will kick in.

Collision coverage pays for claims such as sustaining damage from a pot hole, scraping a guard rail and backing into a parked car. Paying for collision coverage can be pricey, so analyze the benefit of dropping coverage from vehicles that are 8 years or older. Drivers also have the option to bump up the deductible in order to get cheaper collision rates.

Uninsured/Underinsured Motorist (UM/UIM) – This provides protection from other motorists when they either have no liability insurance or not enough. Covered claims include medical payments for you and your occupants as well as damage to your Toyota Sienna.

Because many people only carry the minimum required liability limits, their limits can quickly be used up. That’s why carrying high Uninsured/Underinsured Motorist coverage is very important. Frequently the UM/UIM limits do not exceed the liability coverage limits.

A penny saved is a penny earned

As you prepare to switch companies, don’t be tempted to sacrifice coverage to reduce premiums. There are a lot of situations where an insured dropped collision coverage only to regret that their decision to reduce coverage ended up costing them more. Your goal is to buy the best coverage you can find at the best price while still protecting your assets.

In this article, we covered a lot of tips how to get a better price on 2017 Toyota Sienna insurance. The most important thing to understand is the more price quotes you have, the better chance you’ll have of finding the cheapest insurance coverage. You may even find the lowest rates come from some of the smallest insurance companies. They may often insure only within specific states and give getter rates than their larger competitors like Progressive or Geico.

Affordable 2017 Toyota Sienna insurance is possible from both online companies as well as from insurance agents, so you should be comparing quotes from both in order to have the best price selection to choose from. Some insurance providers may not provide the ability to get a quote online and these small, regional companies prefer to sell through independent insurance agents.

More detailed insurance information can be found at these sites: