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Toyota Sienna Insurance Cost

Buying car insurance from online companies can be fast and easy, plus you may find lower rates. The most important part is to get rates from all companies so you can compare the lowest rate quotes.

If you're new to shopping for car insurance online, you may be overwhelmed by the hoards of companies selling insurance. The are a couple different ways to get quotes from different insurance companies. By far the easiest way to find the lowest Sienna insurance rates is to get quotes online. This can be done by visiting this page.

Rates are impacted by...

Insurance premiums on a Toyota Sienna can fluctuate considerably depending on several factors. Including but not limited to:

  • A clean driving record keeps rates low
  • Credit rating impacts rates
  • Men typically pay more than women
  • Higher deductibles save money
  • Crash test rating for your Sienna
  • Your job
  • The level of coverage
  • Home ownership saves money

One important consideration that helps determine your rates is the age of the vehicle. Older models have a lower value compared to new Toyota models so the cost to replace them may result in lower rates. Conversely, more recent Toyota vehicles have more advanced features such as active head restraints, adaptive headlights, a backup camera, and tire pressure monitors which may provide discounts that lower premiums.

To get a better idea how rates are influenced for your specific model year, select the year of your vehicle from the list below.

Liability coverage

This coverage will cover damage or injury you incur to people or other property in an accident. Liability can pay for claims like pain and suffering, repair costs for stationary objects, and legal defense fees. Coverage is generally pretty cheap so buy as high a limit as you can afford.

Collision insurance

Collision insurance will pay to fix damage to your Toyota resulting from a collision with a stationary object or other vehicle. A deductible applies then your collision coverage will kick in. Collision coverage for your Sienna can be pricey, so you might think about dropping it from lower value vehicles. Another option is to increase the deductible to bring the cost down.

Comprehensive coverage

This coverage will pay to fix damage from a wide range of events other than collision. A deductible will apply then your comprehensive coverage will pay. The most your car insurance company will pay is the ACV or actual cash value, so if the vehicle is not worth much it's not worth carrying full coverage.

Uninsured/Underinsured Motorist (UM/UIM)

Uninsured or Underinsured Motorist coverage gives you protection from other drivers when they are uninsured or don't have enough coverage. Since many drivers only purchase the least amount of liability that is required, their limits can quickly be used up. So UM/UIM coverage is very important.

Medical payments coverage and PIP

Personal Injury Protection (PIP) and medical payments coverage pay for immediate expenses like EMT expenses, pain medications, and nursing services. The coverages can be used in conjunction with a health insurance program or if you do not have health coverage. Personal Injury Protection is only offered in select states but can be used in place of medical payments coverage.

How Much are Toyota Sienna Insurance Rates?