1998 Toyota Celica Insurance Quotes

Want lower car insurance rates for your Toyota Celica? Trying to find low-cost insurance for a Toyota Celica could be difficult, but you can use the following methods to make it easier.

There is a better way to find car insurance online and you need to know the best way to compare rates on a Toyota and obtain the best price possible from local insurance agents and online providers.

Verify you’re getting all your discounts

The price of auto insurance can be rather high, but you may find discounts to reduce the price significantly. Certain discounts will be applied at the time of quoting, but a few need to be specifically requested before they will apply. If they aren’t giving you every credit you deserve, you’re paying more than you need to.

  • Government Employees – Active or retired federal employment may qualify you for a discount for Celica insurance depending on your company.
  • Early Signing – Some insurance companies reward drivers for switching to them prior to your current policy expiring. This can save 10% or more.
  • Good Students Pay Less – Performing well in school can get you a discount of up to 25%. The good student discount can last up until you turn 25.
  • Safe Driver Discount – Safe drivers may receive a discount up to 45% less for Celica insurance than drivers with accidents.
  • Passive Restraint Discount – Vehicles with factory air bags and/or automatic seat belt systems can receive discounts of more than 20%.
  • Use Seat Belts – Requiring all passengers to use their safety belts could cut 10% or more off your medical payments premium.

Drivers should understand that many deductions do not apply to the entire policy premium. The majority will only reduce individual premiums such as comp or med pay. So when the math indicates adding up those discounts means a free policy, companies don’t profit that way. But all discounts will cut your overall premium however.

Insurance companies that may offer these discounts include:

It’s a good idea to ask each insurance company which discounts they offer. Savings might not apply in your area.

Lesser-known factors impacting Toyota Celica insurance rates

Consumers need to have an understanding of the different types of things that play a part in calculating insurance coverage rates. Having a good understanding of what impacts premium levels empowers consumers to make smart changes that can help you get lower insurance coverage prices.

  • Males pay more for insurance – Statistics demonstrate that men are more aggressive behind the wheel. That doesn’t necessarily mean that men are WORSE drivers than women. They both are in accidents at a similar rate, but the males cause more damage. They also get more serious tickets such as DWI and reckless driving. Young males are most likely to cause an accident and therefore have the most expensive insurance coverage rates.
  • Lower deductibles cost more – Deductibles for physical damage define the amount you are required to spend in the event of a claim. Insurance for physical damage to your car, also known as collision and other-than-collision, insures against damage to your car. Some examples of claims that would be covered are running into the backend of another car, damage caused by hail, and windstorm damage. The more expense the insured has to pay upfront, the lower your rates will be for Celica insurance.
  • Don’t skimp on liability – Liability coverage is the coverage that protects you in the event that a jury decides you are liable for causing damage or personal injury in an accident. Liability provides for a legal defense up to the limits shown on your policy. Liability is cheap when compared with rates for comp and collision, so do not cut corners here.
  • Mature drivers pay less – Mature drivers are more responsible, tend to file fewer claims and tend to be better behind the wheel. Youthful drivers are known to be less responsible in a vehicle therefore insurance coverage rates are much higher.
  • Pay less if you’re married – Getting married can get you a discount on your policy. Marriage usually means you are more responsible it has been statistically shown that married drivers get in fewer accidents.

When should I talk to an agent?

When buying adequate coverage, there is no single plan that fits everyone. Every situation is different.

For instance, these questions may help you determine whether or not you could use an agent’s help.

  • Are there companies who specialize in insuring high-risk drivers?
  • Are my friends covered when driving my 1998 Toyota Celica?
  • Should I bundle my homeowners policy with my auto?
  • How much liability do I need to cover my assets?
  • Do I need to file an SR-22 for a DUI in my state?
  • I have health insurance so do I need medical payments coverage?
  • If my pet gets injured in an accident are they covered?
  • Why am I required to buy high-risk coverage?

If you can’t answer these questions, you may need to chat with a licensed insurance agent. If you want to speak to an agent in your area, fill out this quick form. It’s fast, free and you can get the answers you need.

Detailed coverages of your insurance policy

Having a good grasp of your policy aids in choosing the best coverages and proper limits and deductibles. The coverage terms in a policy can be difficult to understand and nobody wants to actually read their policy.

Collision coverage

This covers damage to your Celica caused by collision with an object or car. You will need to pay your deductible then your collision coverage will kick in.

Collision coverage protects against things such as sideswiping another vehicle, crashing into a building, scraping a guard rail and driving through your garage door. This coverage can be expensive, so you might think about dropping it from older vehicles. Drivers also have the option to bump up the deductible to get cheaper collision coverage.

Medical expense insurance

Medical payments and Personal Injury Protection insurance provide coverage for expenses like surgery, rehabilitation expenses and nursing services. They are used to cover expenses not covered by your health insurance plan or if you lack health insurance entirely. They cover all vehicle occupants as well as any family member struck as a pedestrian. PIP is not an option in every state but it provides additional coverages not offered by medical payments coverage

Protection from uninsured/underinsured drivers

Your UM/UIM coverage provides protection when the “other guys” are uninsured or don’t have enough coverage. Covered losses include hospital bills for your injuries and damage to your Toyota Celica.

Due to the fact that many drivers carry very low liability coverage limits, their liability coverage can quickly be exhausted. This is the reason having UM/UIM coverage should not be overlooked. Most of the time these limits are similar to your liability insurance amounts.

Liability insurance

This provides protection from damage or injury you incur to people or other property. This coverage protects you against other people’s claims, and doesn’t 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. Your policy might show liability limits of 25/50/25 that translate to $25,000 in coverage for each person’s injuries, a limit of $50,000 in injury protection per accident, and a total limit of $25,000 for damage to vehicles and property. Occasionally you may see a combined single limit or CSL that pays claims from the same limit and claims can be made without the split limit restrictions.

Liability coverage pays for claims like funeral expenses, court costs, bail bonds, attorney fees and emergency aid. How much liability should you purchase? That is your choice, but you should buy as high a limit as you can afford.

Comprehensive (Other than Collision)

Comprehensive insurance coverage will pay to fix damage OTHER than collision with another vehicle or object. You first must pay your deductible and then insurance will cover the rest of the damage.

Comprehensive can pay for things such as damage from a tornado or hurricane, rock chips in glass, hitting a bird, damage from getting keyed and vandalism. The most you can receive from a comprehensive claim is the market value of your vehicle, so if your deductible is as high as the vehicle’s value consider dropping full coverage.

The best insurance company isn’t always the cheapest

As you go through the steps to switch your coverage, it’s not a good idea to buy less coverage just to save a little money. In too many instances, someone sacrificed collision coverage and discovered at claim time that the few dollars in savings costed them thousands. Your focus should be to buy enough coverage at an affordable rate while still protecting your assets.

Insureds change insurance companies for many reasons like high rates after DUI convictions, high prices, lack of trust in their agent and denial of a claim. No matter why you want to switch, choosing a new company can be easy and end up saving you some money.

Lower-priced 1998 Toyota Celica insurance is definitely available on the web in addition to many insurance agents, and you should be comparing both in order to have the best price selection to choose from. Some companies do not provide you the ability to get quotes online and many times these smaller companies only sell through independent insurance agents.

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