1995 Toyota Celica Insurance Cost

Finding and buying car insurance is not a task people fancy doing, but it’s a required process to legally drive.

Auto Insurance Comparisons

All major auto insurance companies such as Allstate and Progressive provide price estimates directly from their websites. This process is quite simple as you just type in your coverage preferences as detailed in the form. After the form is submitted, their system will order information on your driving record and credit history and returns a price.

Online price quotes simplifies rate comparisons, but the work required to visit each company’s website and repetitively enter the same data into a form can be a bit repetitive. But it’s very important to get many rate quotes in order to get lower prices.

The preferred way to get multiple rate quotes uses one simple form that gets prices from many companies. It saves time, helps eliminate reptitive entry, and makes rate comparisons much simpler. As soon as you send your information, it is quoted and you can select any one of the quotes that you receive.

If one or more price quotes are lower than your current rates, you can click and sign and buy the policy. This process only takes a few minutes and you will find out if you’re overpaying now.

To use this form to compare rates, click here to open in new window and submit your coverage information. If you have your current policy handy, we recommend you complete the form with the coverages as close as possible to your current policy. Doing this guarantees you are getting a fair comparison based on identical coverages.

Pay less by taking advantage of discounts

The cost of insuring your cars can be expensive, buy you may qualify for discounts that can drop the cost substantially. Certain discounts will be applied when you quote, but some must be specifically requested in order for you to get them.

Lower Rates for Military – Having a deployed family member may qualify for rate reductions.
Multiple Vehicles – Having multiple vehicles with the same company qualifies for this discount.
Discount for Life Insurance – Larger companies have a break if you buy a life insurance policy as well.
Employee of Federal Government – Being employed by or retired from a federal job could cut as much as 10% off for Celica insurance with select insurance companies.
Good Student Discount – Getting good grades can earn a discount of 20% or more. The discount lasts until age 25.

As a disclaimer on discounts, some credits don’t apply to all coverage premiums. Most only apply to individual premiums such as liability, collision or medical payments. Just because it seems like you can get free auto insurance, you won’t be that lucky. But all discounts will help reduce your premiums.

For a list of insurance companies with the best insurance coverage discounts, click here to view.

Your coverage should be tailored to you

When it comes to choosing the best car insurance coverage for your personal vehicles, there is no perfect coverage plan. Everyone’s situation is unique.

For example, these questions can help discover if your situation could use an agent’s help.

Do I need medical payments coverage since I have good health insurance?
Is my vehicle covered by my employer’s policy when using it for work?
Do I have coverage for damage caused while driving under the influence?
Do I pay less if my vehicle is kept in my garage?
Does my insurance cover a custom paint job?
What is roadside assistance coverage?
At what point should I drop full coverage?
Is my trailer covered?

If you’re not sure about those questions, you might consider talking to a licensed insurance agent. If you want to speak to an agent in your area, fill out this quick form.

Information about specific coverages

Understanding the coverages of your insurance policy aids in choosing the right coverages and proper limits and deductibles. The coverage terms in a policy can be confusing and coverage can change by endorsement.

Comprehensive insurance

This coverage covers damage caused by mother nature, theft, vandalism and other events. You need to pay your deductible first then your comprehensive coverage will pay.

Comprehensive coverage pays for claims such as a broken windshield, hail damage, fire damage, rock chips in glass 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 removing comprehensive coverage.

Liability car insurance

Liability coverage can cover damage or injury you incur to a person or their property. This insurance protects YOU against other people’s claims, 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 commonly see policy limits of 25/50/25 which means $25,000 in coverage for each person’s injuries, a per accident bodily injury limit of $50,000, and a limit of $25,000 paid for damaged property. Another option is a combined limit that pays claims from the same limit and claims can be made without the split limit restrictions.

Liability insurance covers claims like structural damage, emergency aid and medical expenses. How much coverage you buy is up to you, but consider buying as high a limit as you can afford.

Med pay and Personal Injury Protection (PIP)

Medical payments and Personal Injury Protection insurance reimburse you for short-term medical expenses such as surgery, funeral costs, rehabilitation expenses, hospital visits and ambulance fees. They can be used to fill the gap from your health insurance plan or if there is no health insurance coverage. It covers both the driver and occupants as well as any family member struck as a pedestrian. Personal injury protection coverage is not available in all states and may carry a deductible

Coverage for collisions

Collision coverage will pay to fix damage to your Celica resulting from colliding with another vehicle or an object, but not an animal. You have to pay a deductible then the remaining damage will be paid by your insurance company.

Collision insurance covers things such as rolling your car, crashing into a building, sideswiping another vehicle and damaging your car on a curb. This coverage can be expensive, so consider removing coverage from vehicles that are older. You can also raise the deductible to save money on collision insurance.

Uninsured/Underinsured Motorist (UM/UIM)

This protects you and your vehicle from other drivers when they are uninsured or don’t have enough coverage. It can pay for injuries sustained by your vehicle’s occupants and damage to your Toyota Celica.

Since many drivers have only the minimum liability required by law, it doesn’t take a major accident to exceed their coverage limits. For this reason, having high UM/UIM coverages is very important. Frequently your uninsured/underinsured motorist coverages are similar to your liability insurance amounts.