1996 Toyota Previa Insurance Rates – 10 Tips for Best Quotes

Sick and tired of robbing Peter to pay Paul each month for car insurance? You’re in the same situation as many other drivers.

Lots of insurance companies contend for your insurance dollar, so it can be very hard to choose a insurance company to discover the definitive best rate

Best discounts on 1996 Toyota Previa coverage

The cost of insuring your cars can be expensive, but you may find discounts to help offset the cost. Some trigger automatically at the time of quoting, but a few need to be asked about before you will receive the discount.

  • Accident Waiver – A handful of insurance companies will forgive one accident without raising rates so long as you haven’t had any claims for a particular time prior to the accident.
  • Low Mileage – Low mileage vehicles could qualify for a substantially lower rate.
  • Pay Now and Pay Less – If you pay your bill all at once rather than paying monthly you could save up to 5%.
  • Federal Employees – Employees or retirees of the government may qualify you for a discount for Previa coverage with certain companies.
  • Driver Safety – Taking a driver safety course could save 5% or more depending on where you live.
  • Service Members Pay Less – Being on active duty in the military may qualify for rate reductions.
  • Use Seat Belts – Drivers who require all occupants to buckle their seat belts could cut 10% or more off your medical payments premium.
  • New Vehicle Savings – Buying coverage on a new vehicle can be considerably cheaper because new vehicles have to meet stringent safety requirements.
  • Claim Free – Claim-free drivers pay much less when compared to drivers who are more careless.
  • Theft Prevention Discount – Cars that have factory anti-theft systems prevent vehicle theft and qualify for as much as a 10% discount.

It’s important to understand that most credits do not apply to the overall cost of the policy. Some only apply to the price of certain insurance coverages like comp or med pay. So even though they make it sound like you can get free auto insurance, insurance coverage companies aren’t that generous. But all discounts will bring down the amount you have to pay.

To see a list of insurers with discount insurance coverage rates, click here to view.

Which Insurance Coverage is Cheapest?

Most major insurance companies provide insurance quotes on their websites. Getting online quotes is fairly simple as you just enter your coverage information as requested by the quote form. Once entered, the company’s rating system orders your driving and credit reports and returns a price determined by many factors. Being able to quote online makes it a lot easier to compare rates but the work required to visit several different sites and type in the same information can be a bit tiresome and repetitive. But it is imperative to compare as many rates as possible in order to find the best price on insurance coverage.

The easy way to compare rates

The quickest way to find better insurance coverage pricing uses one form that obtains quotes from many companies. It’s a real time-saver, eliminates form submissions, and makes quoting online a lot less work. Immediately after you send the form, your coverage is rated with multiple companies and you can pick your choice of the quote results.

If you find a better price you can click and sign and buy the new coverage. The whole process takes less than 15 minutes and could lower your rates considerably.

To compare pricing, click here and input your coverage information. If you have coverage now, it’s recommended you copy deductibles and limits exactly as they are listed on your policy. This ensures you’re receiving rate quotes for the exact same coverage.

Tailor your coverage to you

When choosing proper insurance coverage, there really is no best way to insure your cars. Your needs are not the same as everyone else’s so this has to be addressed. Here are some questions about coverages that might point out if you may require specific advice.

  • Do I need roadside assistance coverage?
  • Do I need more liability coverage?
  • Do I have coverage if my license is suspended?
  • Is my 1996 Toyota Previa covered for smoke damage?
  • Do I get a pro-rated refund if I cancel my policy early?
  • How high should my medical payments coverage be?
  • Is pleasure use cheaper than using my 1996 Toyota Previa to commute?
  • Does my personal policy cover me when driving out-of-state?
  • When does my teenage driver need to be added to my policy?

If it’s difficult to answer those questions, then you may want to think about talking to an insurance agent. To find an agent in your area, complete this form or go to this page to view a list of companies.

Do you really save 40% when you switch?

Auto insurance providers like State Farm, Allstate and Geico continually stream television and radio advertisements. They all make the same claim that you can save after switching to them. But how can every company claim to save you money?

All companies are able to cherry pick for the driver that is profitable for them. For example, a profitable customer might be over the age of 40, owns a home, and has great credit. A customer getting a price quote who meets those qualifications gets the lowest rates and is almost guaranteed to cut their rates substantially.

Drivers who don’t qualify for these standards will be charged a higher premium which leads to business going elsewhere. The ads state “customers that switch” not “people who quote” save money. That’s the way companies can truthfully claim big savings.

That is why drivers must get quotes from several different companies. It’s not possible to predict which company will give you the biggest savings on Toyota Previa insurance.

Specifics of your auto insurance policy

Knowing the specifics of auto insurance aids in choosing appropriate coverage and proper limits and deductibles. The terms used in a policy can be ambiguous and even agents have difficulty translating policy wording. Listed below are typical coverages found on the average auto insurance policy.

Comprehensive or Other Than Collision

This pays for damage from a wide range of events other than collision. You first must pay your deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage pays for things such as damage from getting keyed, a tree branch falling on your vehicle, rock chips in glass, theft and a broken windshield. The maximum payout a auto insurance company will pay at claim time is the ACV or actual cash value, so if your deductible is as high as the vehicle’s value it’s probably time to drop comprehensive insurance.

Collision coverage protection

Collision coverage will pay to fix damage to your Previa caused by collision with another vehicle or an object, but not an animal. You first must pay a deductible then your collision coverage will kick in.

Collision can pay for claims such as damaging your car on a curb, colliding with a tree, sideswiping another vehicle and hitting a mailbox. Collision coverage makes up a good portion of your premium, so consider removing coverage from lower value vehicles. It’s also possible to choose a higher deductible to save money on collision insurance.

UM/UIM Coverage

This protects you and your vehicle’s occupants when the “other guys” do not carry enough liability coverage. Covered losses include hospital bills for your injuries as well as damage to your Toyota Previa.

Since a lot of drivers only carry the minimum required liability limits, it only takes a small accident to exceed their coverage. This is the reason having UM/UIM coverage is very important. Frequently the UM/UIM limits are set the same as your liablity limits.

Medical costs insurance

Personal Injury Protection (PIP) and medical payments coverage kick in for expenses like doctor visits, hospital visits, pain medications and nursing services. They are often used in conjunction with a health insurance program or if you are not covered by health insurance. 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 gives slightly broader coverage than med pay

Liability car insurance

Liability insurance protects you from injuries or damage you cause to other people or property by causing an accident. Split limit liability has three limits of coverage: bodily injury per person, bodily injury per accident and property damage. As an example, you may have limits of 50/100/50 which stand for $50,000 bodily injury coverage, $100,000 for the entire accident, and property damage coverage for $50,000. Occasionally you may see one limit called combined single limit (CSL) which combines the three limits into one amount rather than limiting it on a per person basis.

Liability coverage pays for claims such as funeral expenses, medical expenses and repair costs for stationary objects. How much liability should you purchase? That is a decision to put some thought into, but it’s cheap coverage so purchase as much as you can afford.

One last thing

When you buy insurance online, it’s very important that you do not buy poor coverage just to save money. In many cases, someone dropped comprehensive coverage or liability limits and discovered at claim time that a couple dollars of savings turned into a financial nightmare. Your goal should be to buy enough coverage for the lowest price while still protecting your assets.

Cheaper 1996 Toyota Previa insurance can be bought on the web and also from your neighborhood agents, so you should compare both so you have a total pricing picture. Some insurance providers may not provide you the ability to get quotes online and usually these small, regional companies provide coverage only through local independent agents.

We just covered a lot of ways to save on insurance. The key thing to remember is the more times you quote, the more likely it is that you will get a better rate. You may be surprised to find that the lowest priced insurance coverage comes from some of the lesser-known companies. These smaller insurers can often insure niche markets at a lower cost than their larger competitors like Geico and State Farm.

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