Cheaper 1998 Toyota Celica Car Insurance Quotes

Have you fallen victim to an underperforming, overpriced auto insurance policy? Trust us when we tell you many consumers feel financially strained by their auto insurance policy.

Companies like Allstate and Progressive continually bombard you with advertising and it can be hard to sift through the bull and do the work needed to find the best deal.

It’s a good idea to compare rates yearly because rates change frequently. Just because you had the lowest rates on Celica coverage a couple years back other companies may now be cheaper. Starting right now, ignore everything you know about auto insurance because you’re going to learn the right way to reduce your cost while increasing coverage.

Cut your car insurance rates with discounts

Companies do not list every available discount very well, so we took the time to find some of the more common and the more hidden car insurance savings.

  • New Car Discount – Adding a new car to your policy can cost up to 25% less because new vehicles have to meet stringent safety requirements.
  • Homeowners Savings – Owning a home may earn you a small savings because of the fact that having a home demonstrates responsibility.
  • Payment Method – By paying your policy upfront instead of monthly or quarterly installments you could save up to 5%.
  • Employee of Federal Government – Being employed by or retired from a federal job may qualify you for a discount on Celica coverage with certain companies.
  • Low Mileage Discounts – Keeping the miles down on your Toyota could be rewarded with a substantially lower rate.
  • Student in College – Youth drivers who are attending college without a vehicle on campus can be insured at a reduced rate.
  • Memberships – Affiliation with a professional or civic organization could trigger savings when shopping for car insurance on Celica coverage.
  • Senior Discount – Mature drivers can possibly qualify for reduced rates on Celica coverage.

As a disclaimer on discounts, most credits do not apply to the entire cost. Some only apply to individual premiums such as liability, collision or medical payments. Just because you may think all the discounts add up to a free policy, companies wouldn’t make money that way.

Insurance companies that may have these benefits include:

It’s a good idea to ask every prospective company how you can save money. All car insurance discounts may not be available everywhere.

You are unique and your insurance coverage should be too

When buying the right insurance coverage, there really is not a cookie cutter policy. Everyone’s situation is a little different so your insurance needs to address that. Here are some questions about coverages that may help highlight whether or not you would benefit from professional advice.

  • What is medical payments coverage?
  • Am I covered if I hit my neighbor’s mailbox?
  • Is my cargo covered for damage or theft?
  • Is upholstery damage covered by car insurance?
  • How high should my uninsured/underinsured coverage be in my state?
  • Do I really need UM/UIM coverage?
  • Am I better off with higher deductibles on my 1998 Toyota Celica?
  • Who is covered by my policy?

If it’s difficult to answer those questions, you might consider talking to a licensed agent. If you don’t have a local agent, take a second and complete this form or you can also visit this page to select a carrier

Auto insurance coverage options for a 1998 Toyota Celica

Understanding the coverages of auto insurance helps when choosing the best coverages and proper limits and deductibles. Policy terminology can be impossible to understand and reading a policy is terribly boring. Listed below are the normal coverages available from auto insurance companies.

Coverage for collisions

Collision coverage will pay to fix damage to your Celica caused by collision 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 coverage pays for things like backing into a parked car, crashing into a building, sideswiping another vehicle and colliding with another moving vehicle. Collision is rather expensive coverage, so consider dropping it from lower value vehicles. Another option is to raise the deductible to bring the cost down.

Medical payments and PIP coverage

Coverage for medical payments and/or PIP kick in for short-term medical expenses like hospital visits, dental work and ambulance fees. They are used in conjunction with a health insurance policy or if you are not covered by health insurance. They cover both the driver and occupants in addition to getting struck while a pedestrian. PIP coverage is not available in all states but it provides additional coverages not offered by medical payments coverage

UM/UIM (Uninsured/Underinsured Motorist) coverage

Your UM/UIM coverage protects you and your vehicle’s occupants from other drivers when they either have no liability insurance or not enough. Covered claims include medical payments for you and your occupants and also any damage incurred to your Toyota Celica.

Since many drivers only carry the minimum required liability limits, their limits can quickly be used up. So UM/UIM coverage is a good idea.

Liability coverages

Liability insurance provides protection from damage that occurs to other’s property or people by causing an accident. It protects YOU against other people’s claims, and doesn’t cover your own vehicle damage or injuries.

Split limit liability has three limits of coverage: bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. Your policy might show limits of 100/300/100 that means you have $100,000 in coverage for each person’s injuries, a limit of $300,000 in injury protection per accident, and property damage coverage for $100,000.

Liability coverage pays for things like medical services, loss of income, repair bills for other people’s vehicles and funeral expenses. How much liability coverage do you need? That is a personal decision, but you should buy as high a limit as you can afford.

Comprehensive auto coverage

This covers damage that is not covered by collision coverage. You first must pay your deductible and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive insurance covers things such as hitting a deer, hail damage, falling objects, damage from getting keyed and hitting a bird. The maximum amount you can receive from a comprehensive claim is the cash value of the vehicle, so if your deductible is as high as the vehicle’s value it’s not worth carrying full coverage.

The bottom line

We just showed you a lot of information how to shop for 1998 Toyota Celica insurance online. The key concept to understand is the more you quote, the more likely it is that you will get a better rate. You may even discover the best price on car insurance is with an unexpected company. These companies may cover specific market segments cheaper as compared to the big name companies such as Allstate or State Farm.

When buying insurance coverage, do not buy poor coverage just to save money. Too many times, someone sacrificed comprehensive coverage or liability limits only to regret at claim time that a couple dollars of savings turned into a financial nightmare. The proper strategy is to buy a smart amount of coverage at a price you can afford while still protecting your assets.

Additional car insurance information is located at the links below