2013 Toyota Avalon Car Insurance Rates

Are you tired of not being able to afford each month for car insurance? You are in the same boat as many other consumers.

Online insurance companies like State Farm, Allstate, Geico and Progressive promote their brand names with fancy advertisements and it is difficult to ignore the propoganda and effectively compare rates to find the best deal.

If you currently have a car insurance policy, you will be able to cut costs considerably using this information. Choosing the best insurance company for you is quite easy. Although vehicle owners can benefit from knowing the methods companies use to price insurance differently.

Auto Insurance Comparison Rates

When shopping for auto insurance there are multiple ways to compare rate quotes from different insurance companies. The recommended way to compare 2013 Toyota Avalon insurance prices is simply to get online rate quotes. This is very easy and can be done using a couple different methods.

  1. The fastest way to find the lowest comparison rates is to use a rate comparison form (click to open form in new window). This type of form saves time by eliminating multiple quote forms for each company. Completing one form will get you rate comparisons from multiple low-cost companies.
  2. A more difficult way to get quotes online requires a trip to each individual company website to request a price quote. For sake of this example, we’ll pretend you want rates from Farmers, Progressive and Geico. To get rate quotes you would need to go to every website and enter your policy data, and that’s why the first method is more popular.

    For a handy list of car insurance company links in your area, click here.

  3. The hardest way of getting rate comparisons is driving to insurance agents’ offices. The ability to buy insurance online can eliminate the need for a local agent unless you prefer the personal advice of a licensed agent. It is possible to price shop your coverage online and get advice from an agent in your area and we’ll touch on that later.

It’s your choice how you get your quotes, but make darn sure you compare identical coverages and limits with every price quote. If the quotes have differing limits you can’t possibly make a fair comparison for your Toyota Avalon. Having just a slight variation in coverage limits can result in a big premium difference. Keep in mind that having more price comparisons gives you a better chance of getting lower pricing.

Misconceptions in insurance advertisements

Insurance companies such as State Farm, Geico and Progressive continually stream ads on television and other media. They all seem to say the same thing of big savings after switching to their company. How can each company claim to save you money?

Different companies can use profiling for the type of driver they prefer to insure. For instance, a preferred risk could possibly be between the ages of 40 and 55, owns a home, and drives less than 10,000 miles a year. Any new insured who matches those parameters will get the preferred rates and is almost guaranteed to save when switching.

Consumers who don’t meet this ideal profile will be charged a higher premium which leads to the driver buying from a lower-cost company. The ads say “customers who switch” not “everybody who quotes” save that kind of money. That is how insurance companies can make the claims of big savings. That is why you should quote coverage with many companies. It is impossible to predict the company that will have the lowest Toyota Avalon insurance rates.

Policy discounts you shouldn’t miss

Car insurance companies do not advertise all their discounts in a way that’s easy to find, so we break down some of the more common and also the lesser-known savings tricks you should be using.

  • Passive Restraint Discount – Factory air bags and/or automatic seat belt systems may earn rate discounts of more than 20%.
  • Sign Online – A few companies may give you up to $50 for buying your policy online.
  • Life Insurance Discount – Some companies give a break if you buy auto and life insurance together.
  • Federal Employees – Active or retired federal employment can save as much as 8% for Avalon coverage with a few insurance companies.
  • Theft Prevention System – Vehicles equipped with anti-theft or alarm systems help deter theft and will save you 10% or more.
  • Accident Waiver – Certain companies permit an accident before your rates go up as long as you don’t have any claims for a particular time prior to the accident.
  • No Accidents – Drivers with accident-free driving histories can save substantially when compared with accident-prone drivers.
  • Payment Method – If you pay your entire premium ahead of time instead of paying each month you could save 5% or more.
  • Seat Belts Save – Requiring all passengers to buckle their seat belts can save up to 15% on the medical payments or PIP coverage costs.
  • Senior Discount – If you qualify as a senior citizen, you can possibly qualify for reduced rates for Avalon coverage.

As a disclaimer on discounts, most discounts do not apply the the whole policy. Most only reduce individual premiums such as liability, collision or medical payments. So when it seems like all the discounts add up to a free policy, companies wouldn’t make money that way.

Companies that possibly offer these money-saving discounts may include but are not limited to:

Before buying, ask each insurance company which discounts they offer. Some discounts may not apply in every state.

Insurance agents can help

When buying proper insurance coverage, there really is not a perfect coverage plan. Everyone’s situation is unique and a cookie cutter policy won’t apply. Here are some questions about coverages that could help you determine whether you would benefit from professional advice.

  • Do I have coverage when using my vehicle for my home business?
  • What is UM/UIM insurance?
  • When should I buy a commercial auto policy?
  • Is there coverage for injuries to my pets?
  • Am I covered when driving someone else’s vehicle?
  • I have a DUI can I still get coverage?
  • Will I be non-renewed for getting a DUI or other conviction?
  • Is rental equipment covered for theft or damage?

If you don’t know the answers to these questions but you know they apply to you then you might want to talk to a licensed agent. To find lower rates from a local agent, take a second and complete this form or you can also visit this page to select a carrier

Auto insurance coverages and their meanings

Understanding the coverages of your auto insurance policy helps when choosing the right coverages and proper limits and deductibles. The terms used in a policy can be difficult to understand and coverage can change by endorsement. Shown next are the normal coverages offered by auto insurance companies.

Comprehensive coverages

This pays for damage OTHER than collision with another vehicle or object. You first have to pay a deductible then your comprehensive coverage will pay.

Comprehensive insurance covers things like a tree branch falling on your vehicle, hitting a deer, theft and damage from flooding. The most your auto insurance company will pay is the ACV or actual cash value, so if it’s not worth much more than your deductible consider removing comprehensive coverage.

Uninsured and underinsured coverage

Your UM/UIM coverage protects you and your vehicle’s occupants when the “other guys” are uninsured or don’t have enough coverage. Covered losses include injuries sustained by your vehicle’s occupants and damage to your Toyota Avalon.

Since a lot of drivers only carry the minimum required liability limits, their liability coverage can quickly be exhausted. For this reason, having high UM/UIM coverages is important protection for you and your family.

Liability coverage

Liability coverage provides protection from injuries or damage you cause to people or other property in an accident. This coverage protects you from claims by other people, and doesn’t cover damage to your own property or vehicle.

It consists of three limits, bodily injury per person, bodily injury per accident and property damage. You commonly see policy limits of 25/50/25 that means you have $25,000 in coverage for each person’s injuries, a limit of $50,000 in injury protection per accident, and a limit of $25,000 paid for damaged property.

Liability coverage protects against claims such as bail bonds, emergency aid, structural damage and loss of income. How much liability should you purchase? That is a decision to put some thought into, but consider buying as high a limit as you can afford.

Coverage for medical payments

Coverage for medical payments and/or PIP pay for short-term medical expenses for things like EMT expenses, dental work and rehabilitation expenses. They are often used to fill the gap from your health insurance policy or if you are not covered by health insurance. Medical payments and PIP cover not only the driver but also the vehicle occupants and will also cover getting struck while a pedestrian. Personal Injury Protection is not available in all states and gives slightly broader coverage than med pay

Coverage for collisions

This coverage will pay to fix damage to your Avalon resulting from colliding with another vehicle or an object, but not an animal. You first must pay a deductible and then insurance will cover the remainder.

Collision insurance covers things such as sideswiping another vehicle, hitting a mailbox, crashing into a ditch and sustaining damage from a pot hole. This coverage can be expensive, so you might think about dropping it from lower value vehicles. You can also choose a higher deductible to get cheaper collision coverage.

Have money to burn

We just presented many tips how you can reduce 2013 Toyota Avalon insurance prices online. The key concept to understand is the more rate quotes you have, the better your comparison will be. Consumers may even find the biggest savings come from a company that doesn’t do a lot of advertising. Some small companies can often provide lower rates in certain areas than their larger competitors like Progressive or Geico.

When shopping online for car insurance, it’s very important that you do not buy less coverage just to save a little money. In many cases, drivers have reduced collision coverage only to regret they didn’t purchase enough coverage. The ultimate goal is to find the BEST coverage at an affordable rate.

Much more information about car insurance is located below: