Lower Your 2002 Toyota Sienna Insurance Quotes

Want lower car insurance rates? Drivers have options when trying to find low-cost Toyota Sienna insurance. They can either waste time struggling with agents trying to get quotes or leverage the internet to make rate comparisons.

There are more efficient ways to find car insurance online and you need to know the best way to compare rates for a new or used Toyota and get the best price possible from both online companies and local agents.

You should take the time to check car insurance prices once or twice a year because insurance rates trend upward over time. Even if you got the best rate on Sienna insurance six months ago you may be paying too much now. Ignore everything you know about car insurance because it’s time to teach you the easiest way to remove unneeded coverages and save money.

How to get insurance rate quotes

There are a variety of methods to compare insurance prices but one way is less time-consuming than others. You could spend the better part of a day talking about coverages with insurance companies in your area, or you can utilize online quoting to accomplish the same thing much quicker.

The majority of car insurance companies take part in a program that allows shoppers to enter their coverage request one time, and each company returns a rated price based on that information. This saves time by eliminating quote forms for each company.

To enter your information into the quoting system, click to open in new window.

The single downside to getting quotes like this is that consumers can’t choose the providers you will receive quotes from. So if you prefer to pick from a list of companies to compare prices, we have a listing of the cheapest insurance companies in your area. Click here to view list.

The approach you take is up to you, just do your best to enter apples-to-apples quote information for every company. If the quotes have higher or lower deductibles it’s not possible to get a fair rate comparison.

Don’t miss these discounts

Car insurance can cost a lot, but you may find discounts to reduce the price significantly. Certain reductions will be credited when you get a quote, but some need to be requested specifically prior to getting the savings.

• No Charge for an Accident – Not necessarily a discount, but some companies like Allstate, Progressive, and Geico will turn a blind eye to one accident without raising rates so long as you are claim-free prior to the accident.
• Employee of Federal Government – Active or former government employment can save as much as 8% on Sienna insurance with certain companies.
• Resident Student – Kids who are enrolled in higher education away from home and leave their car at home may qualify for this discount.
• Active Service Discounts – Being on active duty in the military could mean lower rates.
• Sign Early and Save – A few insurance companies allow discounts for switching companies prior to your current policy expiration. It can save you around 10%.

Just know that most of the big mark downs will not be given the the whole policy. Some only reduce the price of certain insurance coverages like collision or personal injury protection. Despite the appearance that all those discounts means the company will pay you, insurance companies wouldn’t stay in business. But any discount will help reduce your overall bill.

A few of the larger companies and their offered discounts are included below.

• 21st Century includes discounts for good student, defensive driver, early bird, theft prevention, air bags, and teen driver.
• Progressive may offer discounts for multi-policy, online signing, homeowner, multi-vehicle, and online quote discount.
• State Farm offers premium reductions for multiple autos, Steer Clear safe driver discount, driver’s education, anti-theft, accident-free, Drive Safe & Save, and safe vehicle.
• Nationwide policyholders can earn discounts including multi-policy, family plan, good student, easy pay, and defensive driving.
• Esurance has discounts for anti-lock brakes, online shopper, emergency road assistance, paid-in-full, and anti-theft.
• The Hartford offers discounts including anti-theft, air bag, defensive driver, bundle, vehicle fuel type, and driver training.

When getting free insurance coverage quotes, it’s a good idea to each insurance company what discounts are available to you. All car insurance discounts might not be offered in your area. To view providers that can offer you the previously mentioned discounts, follow this link.

Special considerations

When buying adequate coverage for your personal vehicles, there isn’t really a best way to insure your cars. Each situation is unique.

For example, these questions might help in determining whether your personal situation may require specific advice.

• Am I covered if hit by an uninsured driver?
• Can I get a multi-policy discount for packaging my home and auto coverage?
• Why am I be forced to buy a membership to get insurance from some companies?
• Are all vehicle passengers covered by medical payments coverage?
• Am I better off with higher deductibles on my 2002 Toyota Sienna?
• Can I still get insurance after a DUI?

If you can’t answer these questions but you think they might apply to your situation, you may need to chat with an agent. To find lower rates from a local agent, take a second and complete this form. It’s fast, doesn’t cost anything and can help protect your family.

Insurance coverages explained

Understanding the coverages of your policy can be of help when determining which coverages you need and the correct deductibles and limits. Policy terminology can be impossible to understand and reading a policy is terribly boring.

Medical expense insurance

Coverage for medical payments and/or PIP provide coverage for bills for rehabilitation expenses, EMT expenses, funeral costs and prosthetic devices. They are used to cover expenses not covered by your health insurance plan or if you do not have health coverage. Coverage applies to both the driver and occupants and will also cover if you are hit as a while walking down the street. Personal injury protection coverage is not universally available but can be used in place of medical payments coverage

Auto liability

Liability coverage provides protection from damage that occurs to a person or their property in an accident. This coverage protects you against other people’s claims. It does not cover damage to your own property or vehicle.

Liability coverage has three limits: bodily injury per person, bodily injury per accident and property damage. Your policy might show policy limits of 50/100/50 which stand for a $50,000 limit per person for injuries, a total of $100,000 of bodily injury coverage per accident, and a total limit of $50,000 for damage to vehicles and property. Occasionally you may see a combined limit which provides one coverage limit without having the split limit caps.

Liability can pay for things like medical expenses, legal defense fees, bail bonds and repair costs for stationary objects. The amount of liability coverage you purchase is a personal decision, but consider buying as high a limit as you can afford.

Comprehensive (Other than Collision)

Comprehensive insurance coverage covers damage OTHER than collision with another vehicle or object. You need to pay your deductible first then the remaining damage will be covered by your comprehensive coverage.

Comprehensive can pay for things like falling objects, hail damage, damage from a tornado or hurricane and a broken windshield. The highest amount you’ll receive from a claim is the cash value of the vehicle, so if your deductible is as high as the vehicle’s value it’s probably time to drop comprehensive insurance.

Protection from uninsured/underinsured drivers

This coverage provides protection when the “other guys” do not carry enough liability coverage. It can pay for injuries to you and your family and also any damage incurred to your Toyota Sienna.

Because many people have only the minimum liability required by law, it doesn’t take a major accident to exceed their coverage limits. For this reason, having high UM/UIM coverages is very important. Most of the time these limits do not exceed the liability coverage limits.

Collision protection

Collision insurance pays for damage to your Sienna caused by collision with another car or object. You have to pay a deductible and the rest of the damage will be paid by collision coverage.

Collision insurance covers claims such as colliding with another moving vehicle, crashing into a building and scraping a guard rail. Paying for collision coverage can be pricey, so consider dropping it from older vehicles. It’s also possible to choose a higher deductible to bring the cost down.