Save on 2006 Toyota Sienna Insurance Quotes

Have you fallen victim to an underperforming, overpriced insurance policy? Believe me, there are a lot of people just like you who feel imprisoned by their insurance policy.

Because there are so many insurance providers from which to choose, it is hard for the average consumer to locate the best car insurance company.

Compare Quotes for Auto Insurance

Shopping for lower auto insurance rates is a ton of work if you don’t understand the most efficient way. You can waste hours talking to agents in your area, or you could use online quoting to get rate comparisons in just a few minutes.

Many insurance companies participate in a marketplace that allows shoppers to send in one quote, and each company returns a rated price based on the submitted data. This prevents consumers from doing repetitive form submissions for every auto insurance company.

To get comparison pricing now click to open in new window.

The only downside to using this type of system is buyers cannot specifically choose the companies to get quotes from. So if you want to select specific providers to compare prices, we have assembled a list of the cheapest auto insurance companies in your area. Click to view list.

It’s up to you which method you use, but make darn sure you compare exactly the same deductibles and coverage limits with each company. If each company quotes higher or lower deductibles it will be impossible to determine which rate is truly the best. Having just a slight variation in coverages may cause a big price difference. And when quoting auto insurance, remember that having more price comparisons will increase your chances of finding a lower rate.

More discounts equal less premium

Auto insurance companies don’t necessarily list all their discounts in an easy-to-find place, so we break down both the well known and the harder-to-find ways to save on auto insurance.

  • Discount for Life Insurance – Select insurance companies reward you with better rates if you take out life insurance.
  • Anti-theft Discount – Cars that have factory anti-theft systems can help prevent theft and qualify for as much as a 10% discount.
  • Seat Belt Usage – Requiring all passengers to buckle their seat belts could save 15% off your medical payments premium.
  • Lower Rates for Military – Having a family member in the military may qualify for rate reductions.
  • Discount for Good Grades – Getting good grades can be rewarded with saving of up to 25%. Earning this discount can benefit you up until you turn 25.
  • Anti-lock Brake Discount – Anti-lock brake equipped vehicles can avoid accidents and earn discounts up to 10%.
  • Paperwork-free – Certain companies will discount your bill up to fifty bucks for buying your policy over the internet.
  • Early Switch Discount – Some insurance companies reward drivers for buying a policy prior to your current policy expiration. It’s a savings of about 10%.
  • Claim Free – Claim-free drivers can earn big discounts compared to bad drivers.

It’s important to note that many deductions do not apply to the entire policy premium. A few only apply to individual premiums such as comprehensive or collision. So when the math indicates having all the discounts means you get insurance for free, auto insurance companies aren’t that generous.

To see a list of insurers with the best auto insurance discounts, click here to view.

It’s not one size fits all

When it comes to buying the best car insurance coverage for your vehicles, there really is no one size fits all plan. Everyone’s needs are different so your insurance should reflect that These are some specific questions might help in determining whether or not you might need professional guidance.

  • Am I covered when renting a car or should I buy coverage from the car rental agency?
  • Is rental equipment covered for theft or damage?
  • Am I covered if I hit a deer?
  • Does my personal policy cover me when driving out-of-state?
  • Can I rate high risk drivers on liability-only vehicles?
  • Do I need replacement cost coverage on my 2006 Toyota Sienna?
  • Is my camper covered by my car insurance policy?
  • Which companies will insure high-risk drivers?

If you can’t answer these questions but you think they might apply to your situation then you might want to talk to a licensed insurance agent. To find an agent in your area, take a second and complete this form or you can go here for a list of companies in your area.

Auto insurance 101

Having a good grasp of car insurance aids in choosing the right coverages and the correct deductibles and limits. Policy terminology can be impossible to understand and even agents have difficulty translating policy wording. Shown next are typical coverage types available from car insurance companies.

Collision insurance

Collision insurance covers damage to your Sienna from colliding with an object or car. A deductible applies and then insurance will cover the remainder.

Collision insurance covers claims like sideswiping another vehicle, sustaining damage from a pot hole, backing into a parked car and hitting a mailbox. Paying for collision coverage can be pricey, so you might think about dropping it from vehicles that are 8 years or older. You can also increase the deductible to get cheaper collision coverage.

Uninsured Motorist or Underinsured Motorist insurance

This coverage protects you and your vehicle when other motorists are uninsured or don’t have enough coverage. Covered claims include injuries sustained by your vehicle’s occupants and damage to your Toyota Sienna.

Since many drivers have only the minimum liability required by law, their limits can quickly be used up. For this reason, having high UM/UIM coverages is important protection for you and your family.

Auto liability

Liability insurance will cover damage or injury you incur to a person or their property by causing an accident. This coverage protects you from legal claims by others, and doesn’t cover damage to your own property or vehicle.

Split limit liability has three limits of coverage: bodily injury per person, bodily injury per accident and property damage. You might see limits of 25/50/25 that translate to $25,000 in coverage for each person’s injuries, a total of $50,000 of bodily injury coverage per accident, and property damage coverage for $25,000.

Liability insurance covers claims like loss of income, court costs and pain and suffering. How much liability should you purchase? That is a decision to put some thought into, but buy as high a limit as you can afford.

Insurance for medical payments

Personal Injury Protection (PIP) and medical payments coverage reimburse you for immediate expenses such as chiropractic care, prosthetic devices, X-ray expenses, hospital visits and funeral costs. The coverages can be used to cover expenses not covered by your health insurance plan or if you are not covered by health insurance. It covers not only the driver but also the vehicle occupants as well as being hit by a car walking across the street. Personal injury protection coverage is not universally available but can be used in place of medical payments coverage

Comprehensive coverage (or Other than Collision)

This covers damage caused by mother nature, theft, vandalism and other events. You first must pay your deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage protects against things like rock chips in glass, hitting a deer, damage from flooding and damage from a tornado or hurricane. The most your car insurance company will pay is the market value of your vehicle, so if it’s not worth much more than your deductible it’s probably time to drop comprehensive insurance.