How Much Does 1996 Toyota Celica Insurance Cost?

Overwhelmed by the dozens of insurance coverage choices? Many other drivers are as well. There are so many options that it can turn into a challenge to compare prices.

It is always a good idea to check insurance coverage prices at least once a year since insurance rates are rarely the same from one policy term to another. If you had the lowest price on Celica coverage a year ago there may be better deals available now. Forget all the misinformation about insurance coverage because you’re about to find out the tricks you need to know to find better coverage at a better price.

The best way to compare rates takes advantage of the fact most of the larger companies allow for online access to give you rate quotes. The only thing you need to do is give the companies some data like the year, make and model of vehicles, whether you drive to work or school, if you have a valid license, and coverage limits. Your rating data is sent automatically to multiple top-rated companies and they respond with quotes instantly.

To start a quote now, click here and enter your zip code.

How to reduce Toyota Celica insurance rates

Car insurance companies don’t necessarily list all available discounts in an easy-to-find place, so we took the time to find some of the best known and also the lesser-known auto insurance savings.

  • Safe Drivers – Drivers who avoid accidents can get discounts for up to 45% lower rates on Celica coverage than less cautious drivers.
  • New Car Discount – Buying coverage on a new vehicle can save up to 30% since new cars are generally safer.
  • Multi-car Discount – Buying coverage for more than one vehicle on one policy can get a discount on all vehicles.
  • Federal Employees – Active or retired federal employment can save as much as 8% on Celica coverage with a few auto insurance companies.
  • Low Mileage Discounts – Low mileage vehicles can earn discounted rates on garaged vehicles.
  • Discount for Swiching Early – A few companies offer discounts for switching to them before your current policy expires. The savings is around 10%.
  • Payment Discounts – By paying your policy upfront instead of monthly or quarterly installments you could save 5% or more.
  • Student Driver Training – Have your child take driver’s ed class in high school.
  • 55 and Retired – Older drivers may qualify for a discount up to 10% on Celica coverage.
  • Student in College – Children who attend school more than 100 miles from home without a vehicle on campus can receive lower rates.

A little note about advertised discounts, most discount credits are not given to the entire cost. The majority will only reduce specific coverage prices like physical damage coverage or medical payments. So despite the fact that it appears all the discounts add up to a free policy, you’re out of luck.

Car insurance companies that possibly offer some of the above discounts include:

Before buying, ask each insurance company what discounts are available to you. Some discounts might not be offered in your area.

Impacting insurance rates for a Toyota Celica

It’s important that you understand the factors that help determine insurance rates. Understanding what determines base rates enables informed choices that can help you get lower insurance prices.

  • Lower rates come with age – Youthful drivers are known to be more careless when driving so they pay higher insurance rates. Having to add a teenage driver to your policy can be quite pricey. More mature drivers are viewed as being more responsible, file fewer claims and get fewer tickets.
  • Keep rates low by being claim-free – Auto insurance companies give lower rates to drivers who are claim-free. If you file claims often, you can expect higher rates. Auto insurance is designed for larger claims.
  • Pleasure use or commuting – The higher the mileage driven each year the higher your rates will be. Most companies price each vehicle’s coverage based on their usage. Autos used primarily for pleasure use qualify for better rates compared to those used for work or business. Having the wrong rating on your Celica can cost quite a bit. Double check that your insurance declarations sheet is showing the correct usage for each vehicle.
  • Consolidate policies to earn discounts – Many insurance companies provide better rates to people who consolidate policies with them in the form of a multi-policy discount. Even if you’re getting this discount you may still want to compare other company rates to make sure you are getting the best deal.
  • Pay less if you’re married – Having a wife or husband can get you a discount on your policy. Marriage usually means you are more mature than a single person and it’s proven that drivers who are married are more cautious.
  • Do you have enough liability coverage? – Liability coverage provides coverage in the event that a court rules you are at fault for personal injury or accident damage. It provides legal defense coverage starting from day one. Liability is cheap when compared with rates for comp and collision, so do not skimp.
  • Men are more aggressive – Statistics demonstrate women are more cautious behind the wheel. However, don’t assume that women are BETTER drivers than men. They both cause accidents in similar numbers, but the male of the species cause more damage and cost insurance companies more money. Men also tend to have more aggressive citations such as reckless driving.
  • Better credit scores mean better rates – Having a bad credit score is a huge factor in calculating your insurance rates. Consumers who have high credit scores tend to be less risk to insure than drivers with lower ratings. So if your credit score is low, you could potentially save money when insuring your 1996 Toyota Celica by improving your rating.

Tailor your coverage to you

When choosing the right insurance coverage, there really is no “perfect” insurance plan. Everyone’s situation is unique.

For instance, these questions might point out if you may require specific advice.

  • Does my 1996 Toyota Celica qualify for pleasure use?
  • Can my babysitter drive my car?
  • What vehicles should carry emergency assistance coverage?
  • How high should my uninsured/underinsured coverage be in my state?
  • Is pleasure use cheaper than using my 1996 Toyota Celica to commute?
  • Why does it cost so much to insure a teen driver?

If you’re not sure about those questions, you may need to chat with an agent. If you don’t have a local agent, simply complete this short form.

Save $444 a year. For real?

Insurance coverage companies such as State Farm, Allstate and Geico continually stream ads on TV and radio. They all seem to make an identical promise that you’ll save big after switching to them. How do they all claim to save you money? This is how they do it.

Different companies are able to cherry pick for the right customer that makes them money. A good example of a preferred risk might be profiled as over the age of 50, has no prior claims, and has a short commute. A customer who fits that profile is entitled to the best price and as a result will probably pay quite a bit less when switching companies.

Potential customers who fall outside the “perfect” profile will be charged a more expensive rate and this can result in business not being written. Company advertisements say “people who switch” not “everybody who quotes” save that much. This is how insurance companies can confidently make the claims of big savings. That is why drivers should compare as many rates as you can. You cannot predict which insurance companies will fit your personal profile best.

Auto insurance coverage breakdown

Having a good grasp of a auto insurance policy helps when choosing the best coverages and the correct deductibles and limits. The terms used in a policy can be ambiguous and even agents have difficulty translating policy wording.

Comprehensive auto insurance

This coverage covers damage from a wide range of events other than collision. You need to pay your deductible first and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive insurance covers things such as theft, a broken windshield and hitting a bird. The maximum amount you can receive from a comprehensive claim is the cash value of the vehicle, so if your deductible is as high as the vehicle’s value it’s not worth carrying full coverage.

Coverage for medical expenses

Coverage for medical payments and/or PIP pay for short-term medical expenses for hospital visits, nursing services, EMT expenses, surgery and funeral costs. They can be utilized in addition to your health insurance policy or if you lack health insurance entirely. Coverage applies to both the driver and occupants and will also cover getting struck while a pedestrian. Personal Injury Protection is not available in all states and may carry a deductible

Coverage for uninsured or underinsured drivers

Uninsured or Underinsured Motorist coverage gives you protection from other drivers when they are uninsured or don’t have enough coverage. Covered claims include medical payments for you and your occupants and damage to your 1996 Toyota Celica.

Because many people only purchase the least amount of liability that is required, their liability coverage can quickly be exhausted. So UM/UIM coverage is a good idea.

Collision protection

Collision coverage pays to fix your vehicle from damage resulting from a collision with a stationary object or other vehicle. You have to pay a deductible then your collision coverage will kick in.

Collision coverage protects against things such as hitting a mailbox, rolling your car and driving through your garage door. This coverage can be expensive, so you might think about dropping it from lower value vehicles. Drivers also have the option to raise the deductible to get cheaper collision coverage.

Liability insurance

Liability coverage will cover damages or injuries you inflict on people or other property. It protects YOU against other people’s claims. Liability doesn’t cover your own vehicle damage or injuries.

Liability coverage has three limits: bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. Your policy might show policy limits of 50/100/50 that translate to a limit of $50,000 per injured person, a total of $100,000 of bodily injury coverage per accident, and a limit of $50,000 paid for damaged property.

Liability coverage protects against things such as loss of income, legal defense fees and court costs. How much liability coverage do you need? That is a personal decision, but you should buy as large an amount as possible.

Shop Smart and Save

The cheapest 1996 Toyota Celica insurance is definitely available from both online companies as well as from independent agents, and you should be comparing both in order to have the best price selection to choose from. Some insurance companies don’t offer you the ability to get quotes online and usually these small insurance companies provide coverage only through local independent agents.

You just read many ways to reduce insurance prices online. The key thing to remember is the more rate comparisons you have, the higher the chance of saving money. Consumers may even find the best price on insurance is with the least-expected company.

As you restructure your insurance plan, don’t be tempted to skimp on coverage in order to save money. Too many times, someone sacrificed comprehensive coverage or liability limits only to find out that the few dollars in savings costed them thousands. Your strategy should be to get the best coverage possible at the best price, not the least amount of coverage.

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