2008 Toyota Avalon Car Insurance Rates – 10 Policy Discounts

Insurance shopping is not really something drivers love to do, but it’s a required process before you can legally be on the road.

The purpose of this article is to teach you how to get online quotes. If you currently have a car insurance policy, you will most likely be able to lower your premiums substantially using these tips. But drivers can benefit from knowing the way insurance companies market on the web and use this information to your advantage.

How to Lower Your Auto Insurance Cost

There are multiple methods to compare 2008 Toyota Avalon auto insurance prices but there is one way that is less labor-intensive and much quicker. You can spend your afternoon talking to insurance companies in your area, or you can utilize online quotes to get the quickest rates.

Most major companies participate in a marketplace where insurance shoppers submit one quote, and each participating company then returns a price quote based on the submitted data. This saves time by eliminating quotation requests to each individual auto insurance company.

To access this free quoting program, click here to start a free quote.

The single downside to getting quotes like this is buyers cannot specifically choose which providers you want pricing from. If you prefer to choose specific providers to receive pricing from, we have a page of auto insurance companies in your area. View list of insurance companies.

Whichever way you use, make sure you use exactly the same coverages and limits with each company. If you are comparing different liability limits it’s not possible to determine the best price for your Toyota Avalon. Just a small difference in limits may result in large price differences. And when comparing auto insurance rates, know that comparing a large number of companies will increase your chances of finding a lower rate.

Companies offer discounts so take them!

Insuring your fleet can be pricey, but companies offer discounts that can drop the cost substantially. Certain discounts will be applied when you purchase, but a few need to be asked about before they will apply.

  • Anti-lock Brake Discount – Vehicles equipped with ABS or steering control are safer to drive and will save you 10% or more.
  • Passive Restraints – Factory air bags or automatic seat belts can receive discounts of up to 25% or more.
  • Good Student Discount – A discount for being a good student can save 20 to 25%. Earning this discount can benefit you well after school through age 25.
  • Drivers Ed for Students – Cut your cost by having your teen driver take driver’s ed class in high school.
  • Safety Course Discount – Successfully completing a defensive driving course could save 5% or more if you qualify.
  • Accident Forgiveness – A handful of insurance companies allow you one accident before raising your premiums as long as you don’t have any claims for a set time period.
  • College Student – Youth drivers living away from home attending college and don’t have a car can receive lower rates.
  • Sign Early and Save – Some companies give discounts for buying a policy prior to your current policy expiring. It can save you around 10%.
  • Claim Free – Claim-free drivers pay less when compared with frequent claim filers.
  • Auto/Home Discount – When you combine your home and auto insurance with one insurance company you may save at least 10% off all policies.

It’s important to understand that some credits don’t apply to the overall cost of the policy. Most only cut specific coverage prices like liability and collision coverage. Just because it seems like all the discounts add up to a free policy, it doesn’t quite work that way. Any qualifying discounts will help reduce your overall premium however.

For a list of insurance companies with discount auto insurance rates, click here.

Do I just need basic coverages?

When buying coverage, there is no one size fits all plan. Everyone’s situation is unique.

Here are some questions about coverages that could help you determine if your situation would benefit from an agent’s advice.

  • Is rental equipment covered for theft or damage?
  • When do I need to add a new car to my policy?
  • What discounts do I qualify for?
  • When does my teenage driver need to be added to my policy?
  • How can I find cheaper teen driver insurance?
  • What is roadside assistance coverage?
  • Should I file a claim if it’s only slightly more than my deductible?
  • Who is covered when they drive my 2008 Toyota Avalon?
  • Is business property covered if stolen from my car?
  • Do I have coverage when making deliveries for my home business?

If you can’t answer these questions but you think they might apply to your situation, you may need to chat with a licensed insurance agent. To find an agent in your area, take a second and complete this form.

Car insurance coverages for a Toyota Avalon

Understanding the coverages of your policy helps when choosing the best coverages for your vehicles. Policy terminology can be confusing and coverage can change by endorsement.

Collision – Collision insurance pays to fix your vehicle from damage from colliding with a stationary object or other vehicle. You have to pay a deductible and the rest of the damage will be paid by collision coverage.

Collision coverage protects against claims such as colliding with a tree, scraping a guard rail, hitting a mailbox, backing into a parked car and sustaining damage from a pot hole. Collision coverage makes up a good portion of your premium, so consider removing coverage from vehicles that are older. Drivers also have the option to raise the deductible to save money on collision insurance.

Comprehensive coverage – This covers damage that is not covered by collision coverage. You first have to pay a deductible and then insurance will cover the rest of the damage.

Comprehensive can pay for claims such as hail damage, a tree branch falling on your vehicle, fire damage, a broken windshield and damage from getting keyed. The maximum payout your insurance company will pay is the actual cash value, so if the vehicle is not worth much consider dropping full coverage.

Medical payments coverage and PIP – Personal Injury Protection (PIP) and medical payments coverage kick in for expenses like pain medications, EMT expenses, funeral costs, dental work and nursing services. They can be utilized in addition to your health insurance program or if you lack health insurance entirely. They cover all vehicle occupants and will also cover being hit by a car walking across the street. PIP coverage is not an option in every state and may carry a deductible

Uninsured/Underinsured Motorist coverage – This coverage protects you and your vehicle’s occupants from other motorists when they do not carry enough liability coverage. It can pay for medical payments for you and your occupants as well as damage to your 2008 Toyota Avalon.

Since a lot of drivers only carry the minimum required liability limits, their liability coverage can quickly be exhausted. So UM/UIM coverage should not be overlooked. Normally the UM/UIM limits are set the same as your liablity limits.

Liability – Liability coverage protects you from injuries or damage you cause to other’s property or people. It protects YOU against claims from other people, and doesn’t cover damage sustained by your vehicle in an accident.

Liability coverage has three limits: per person bodily injury, per accident bodily injury, and a property damage limit. You might see policy limits of 100/300/100 that translate to $100,000 in coverage for each person’s injuries, $300,000 for the entire accident, and a limit of $100,000 paid for damaged property. Some companies may use one limit called combined single limit (CSL) which combines the three limits into one amount with no separate limits for injury or property damage.

Liability coverage pays for claims such as attorney fees, pain and suffering, repair bills for other people’s vehicles, medical services and repair costs for stationary objects. How much liability coverage do you need? That is up to you, but buy as high a limit as you can afford.

Buy Smart and Save

As you go through the steps to switch your coverage, it’s a bad idea to skimp on coverage in order to save money. There have been many situations where an accident victim reduced liability coverage limits and discovered at claim time that it was a big mistake. Your focus should be to buy a smart amount of coverage for the lowest price, not the least amount of coverage.

We just showed you a lot of ways to get a better price on 2008 Toyota Avalon insurance. The key concept to understand is the more you quote, the higher the chance of saving money. You may even find the biggest savings come from a smaller regional carrier.

Insureds who switch companies do it for a variety of reasons including denial of a claim, lack of trust in their agent, unfair underwriting practices and even policy non-renewal. Regardless of your reason, finding a new company is actually quite simple.

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