2014 Toyota Yaris Insurance Quotes

Want the cheapest insurance coverage rates for your Toyota Yaris? Tired of robbing Peter to pay Paul to pay your car insurance bill each month? You’re in the same situation as many other drivers.

Numerous insurers battle for your business, and it can be difficult to compare rates and uncover the absolute lowest rate

Auto Insurance Quote Comparison

Performing a rate comparison can take time and effort if you don’t understand the fastest way to get free quotes. You can waste a lot of time talking about coverages with insurance companies in your area, or you can stay home and use the web to get rates in a matter of minutes.

Most of the larger companies take part in a program that enables customers to only type in their quote data once, and each company can provide price quotes for coverage. This saves time by eliminating quotation requests for each company.

To compare pricing click here to open in new window.

One minor caviat to comparing rates this way is you don’t know exactly the insurers to receive prices from. If you would rather choose specific providers to compare, we have assembled a list of companies who write auto insurance in your area. View list of insurance companies.

It’s up to you how you get prices quotes, just ensure you are comparing identical coverage limits and deductibles on every quote. If the quotes have higher or lower deductibles it will be impossible to make an equal comparison. Quoting even small variations in limits may result in large price differences. And when comparing auto insurance rates, know that comparing a large number of companies helps locate a better price.

Tailor your coverage to you

When it comes to choosing coverage for your personal vehicles, there really is not a one size fits all plan. Each situation is unique so your insurance needs to address that. For example, these questions may help highlight if your situation may require specific advice.

  • What are the best liability limits?
  • Are rental cars covered under my policy?
  • Should I bundle my homeowners policy with my auto?
  • Am I covered when driving on a suspended license?
  • When would I need rental car insurance?
  • Is my ex-spouse still covered by my policy?
  • Am I covered if I hit a deer?
  • Do I get a pro-rated refund if I cancel my policy early?

If it’s difficult to answer those questions but a few of them apply then you might want to talk to a licensed agent. If you want to speak to an agent in your area, complete this form or you can also visit this page to select a carrier

Auto insurance coverages

Understanding the coverages of your policy can help you determine the best coverages and proper limits and deductibles. Auto insurance terms can be ambiguous and coverage can change by endorsement. Shown next are the normal coverages offered by auto insurance companies.

Protection from uninsured/underinsured drivers – Uninsured or Underinsured Motorist coverage provides protection from other drivers when they do not carry enough liability coverage. It can pay for hospital bills for your injuries as well as damage to your 2014 Toyota Yaris.

Since many drivers carry very low liability coverage limits, it doesn’t take a major accident to exceed their coverage limits. This is the reason having UM/UIM coverage is important protection for you and your family. Usually these limits are set the same as your liablity limits.

Medical expense insurance – Medical payments and Personal Injury Protection insurance provide coverage for bills such as doctor visits, rehabilitation expenses, chiropractic care and X-ray expenses. They are often utilized in addition to your health insurance program or if there is no health insurance coverage. It covers not only the driver but also the vehicle occupants in addition to any family member struck as a pedestrian. PIP is only offered in select states and gives slightly broader coverage than med pay

Comprehensive (Other than Collision) – This coverage pays to fix your vehicle from damage OTHER than collision with another vehicle or object. You first have to pay a deductible and then insurance will cover the rest of the damage.

Comprehensive coverage pays for claims like rock chips in glass, a tree branch falling on your vehicle, hitting a deer, damage from flooding and a broken windshield. The most your auto insurance company will pay is the ACV or actual cash value, so if the vehicle’s value is low consider dropping full coverage.

Liability auto insurance – This protects you from damage that occurs to a person or their property by causing an accident. It protects YOU from legal claims by others, and does not provide coverage for your injuries or vehicle damage.

Split limit liability has three limits of coverage: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. As an example, you may have liability limits of 50/100/50 which means a $50,000 limit per person for injuries, $100,000 for the entire accident, and a total limit of $50,000 for damage to vehicles and property. Some companies may use one limit called combined single limit (CSL) which provides one coverage limit without having the split limit caps.

Liability insurance covers things like repair costs for stationary objects, pain and suffering and medical expenses. How much liability coverage do you need? That is your choice, but it’s cheap coverage so purchase higher limits if possible.

Collision coverage – Collision insurance covers damage to your Yaris resulting from a collision with an object or car. You have to pay a deductible and the rest of the damage will be paid by collision coverage.

Collision coverage protects against things like crashing into a building, hitting a mailbox, sideswiping another vehicle, backing into a parked car and crashing into a ditch. Collision is rather expensive coverage, so consider removing coverage from vehicles that are 8 years or older. Drivers also have the option to raise the deductible to save money on collision insurance.