How Much Does 1993 Toyota Celica Insurance Cost?

Nobody I know enjoys paying for insurance, particularly when they are paying too much. Drivers have multiple insurance companies to purchase coverage from, and although it’s nice to be able to choose, having more insurance companies makes it harder to find a good deal.

It’s smart to take a look at other company’s rates every six months since rates are usually higher with each renewal. Just because you had the best rates on Celica insurance last year you can probably find a lower rate today. Starting right now, forget anything you know (or think you know) about insurance because it’s time to teach you the easiest way to find lower rates on insurance.

Insurance Coverage Prices

There are a variety of methods to shop for 1993 Toyota Celica insurance coverage, and some are easier and takes less work. You can spend countless hours driving to insurance agencies in your area, or you could use the web to get prices fast.

Most of the larger companies belong to an insurance system where prospective buyers send in one quote, and each participating company returns a competitive quote based on that information. This saves time by eliminating form submissions for each company.

To compare 1993 Toyota Celica rates using this form now click here (opens in new window).

The only drawback to pricing coverage this way is that you can’t choose which carriers to get pricing from. If you prefer to choose individual companies to compare prices, we have a page of the cheapest insurance coverage companies in your area. Click here for list of insurance companies.

It’s up to you how you get prices quotes, just compare the exact same quote information on every quote. If you have differing limits then you won’t be able to determine the lowest rate for your Toyota Celica.

Pay less by taking advantage of discounts

Car insurance is not cheap, but there could be available discounts to reduce the price significantly. Certain discounts will be applied at the time you complete a quote, but lesser-known reductions have to be asked for prior to getting the savings. If they aren’t giving you every credit available, you’re just leaving money on the table.

  • One Accident Forgiven – Some insurance companies will allow you to have one accident before your rates go up if your claims history is clear for a set time period.
  • Save over 55 – Older drivers can possibly qualify for a discount up to 10% on Celica insurance.
  • Own a Home – Owning a home can save you money because maintaining a house requires personal responsibility.
  • Drive Less and Save – Fewer annual miles on your Toyota can qualify you for lower rates on the low mileage vehicles.
  • Safe Drivers – Drivers who don’t get into accidents may save up to 50% more on Celica insurance than less cautious drivers.
  • No Claims – Claim-free drivers can earn big discounts as compared to frequent claim filers.
  • Paperless Signup – Certain companies may give you up to $50 for buying your policy on their website.
  • Military Rewards – Being on active duty in the military can result in better rates.
  • Multiple Cars – Buying insurance for all your vehicles with the same company can get a discount on all vehicles.

A little note about advertised discounts, some credits don’t apply to the overall cost of the policy. The majority will only reduce the price of certain insurance coverages like liability and collision coverage. So when the math indicates you can get free auto insurance, companies wouldn’t make money that way. Any amount of discount will bring down the amount you have to pay.

A partial list of companies that may offer some of the above discounts include:

Check with all companies you are considering which discounts you may be entitled to. Savings might not be offered everywhere.

Factors influencing Toyota Celica insurance rates

Consumers need to have an understanding of the rating factors that help determine the rates you pay for auto insurance. Understanding what impacts premium levels allows you to make educated decisions that can help you get much lower annual insurance costs.

The following are some of the factors companies use to determine your rates.

  • Never let your coverage lapse – Letting your insurance expire will be a fast way to bump up your auto insurance costs. And not only will insurance be more expensive, but not being able to provide proof of insurance will get you a revoked license or a big fine.You may need to submit proof of financial responsibility or a SR-22 with your state motor vehicle department.
  • Small claims can cost you – If you are a frequent claim filer, you can pretty much guarantee higher rates. Auto insurance companies provide cheaper rates to policyholders who are claim-free. Insurance coverage is meant to be used in the event of the large, substantial claims.
  • Safer occupants lowers premiums – Safer cars tend to have better insurance rates. These vehicles reduce injuries and fewer injuries means less money paid by your insurance company and more competitive rates for policyholders. If the Toyota Celica is rated at least an “acceptable” rating on the Insurance Institute for Highway Safety website you may qualify for a discount.
  • The more you drive the more you pay – The higher the mileage driven in a year the higher your rate. Most insurance companies apply a rate based upon how you use the vehicle. Cars that are left in the garage can get a lower rate compared to those used for work or business. Verify your auto insurance declarations sheet is rated on the correct usage for each vehicle, because it can save money. If your policy improperly rates your Celica can cost quite a bit.
  • Bundling policies can get discounts – Most auto insurance companies will give a discount to customers who have multiple policies with them, otherwise known as a multi-policy discount. If you currently are using one company, you still need to shop around to verify if the discount is saving money.
  • Higher deductibles cost less – Coverage for physical damage, termed comprehensive and collision coverage on your policy, is used to repair damage to your Toyota. A few examples of covered claims could be a windshield shattered by a rock, collision with an animal, and rolling your vehicle. Physical damage deductibles are how much you are required to spend if you file a covered claim. The more money you have to pay, the less your company will charge you for insurance on Celica insurance.

Your coverage should be tailored to you

When it comes to choosing coverage, there is no “best” method to buy coverage. Coverage needs to be tailored to your specific needs so this has to be addressed. For instance, these questions may help you determine if your insurance needs would benefit from an agent’s advice.

  • Do I have newly-aquired coverage?
  • Can I afford to pay high deductible claims out of pocket?
  • Do I need PIP (personal injury protection) coverage in my state?
  • Do I need replacement cost coverage?
  • Does my personal policy cover me when driving out-of-state?
  • Does liability extend to a camper or trailer?
  • What can I do if my company denied a claim?
  • How high should my medical payments coverage be?
  • What is UM/UIM insurance?
  • Is business equipment covered while in my vehicle?

If it’s difficult to answer those questions but a few of them apply, then you may want to think about talking to a licensed agent. To find an agent in your area, fill out this quick form or you can also visit this page to select a carrier It’s fast, free and may give you better protection.

Auto insurance 101

Learning about specific coverages of your policy helps when choosing which coverages you need at the best deductibles and correct limits. The coverage terms in a policy can be ambiguous and nobody wants to actually read their policy. Listed below are the usual coverages found on most insurance policies.

Collision coverage protection

Collision insurance covers damage to your Celica resulting from colliding with an object or car. You will need to pay your deductible then your collision coverage will kick in.

Collision coverage pays for claims such as sideswiping another vehicle, crashing into a building and rolling your car. Collision coverage makes up a good portion of your premium, so consider removing coverage from lower value vehicles. Another option is to bump up the deductible to save money on collision insurance.

Comprehensive auto coverage

Comprehensive insurance coverage covers damage OTHER than collision with another vehicle or object. You first must pay your deductible and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive insurance covers claims such as fire damage, damage from getting keyed and damage from a tornado or hurricane. The maximum amount your insurance company will pay is the actual cash value, so if the vehicle is not worth much it’s not worth carrying full coverage.

Liability insurance

Liability coverage will cover damage that occurs to other people or property. This insurance protects YOU from legal claims by others. It does not cover your injuries or vehicle damage.

Liability coverage has three limits: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You commonly see policy limits of 100/300/100 which means $100,000 bodily injury coverage, a total of $300,000 of bodily injury coverage per accident, and a limit of $100,000 paid for damaged property. Another option is one number which is a combined single limit which provides one coverage limit without having the split limit caps.

Liability can pay for things like repair bills for other people’s vehicles, medical services, attorney fees and loss of income. How much coverage you buy is your choice, but consider buying as much as you can afford.

Medical payments and PIP coverage

Medical payments and Personal Injury Protection insurance kick in for expenses for chiropractic care, hospital visits and rehabilitation expenses. They are often used to cover expenses not covered by your health insurance program or if you lack health insurance entirely. Coverage applies to all vehicle occupants and will also cover any family member struck as a pedestrian. PIP coverage is not an option in every state and gives slightly broader coverage than med pay

UM/UIM (Uninsured/Underinsured Motorist) coverage

Uninsured or Underinsured Motorist coverage protects you and your vehicle from other drivers when they are uninsured or don’t have enough coverage. It can pay for hospital bills for your injuries and damage to your Toyota Celica.

Since many drivers have only the minimum liability required by law, their liability coverage can quickly be exhausted. This is the reason having UM/UIM coverage is very important. Usually your uninsured/underinsured motorist coverages are similar to your liability insurance amounts.

Don’t be a big spender

Throughout this article, we presented many ideas to lower your 1993 Toyota Celica insurance rates. The key thing to remember is the more price quotes you have, the higher your chance of finding lower rates. Drivers may discover the lowest priced insurance coverage comes from an unexpected company. Smaller companies may have significantly lower rates on certain market segments than their larger competitors like Progressive or Geico.

As you go through the steps to switch your coverage, it’s a bad idea to buy less coverage just to save a little money. In many instances, consumers will sacrifice liability limits or collision coverage to discover at claim time that the savings was not a smart move. The aim is to buy the best coverage you can find for the lowest price while still protecting your assets.

Additional information