Lower Your 1999 Toyota Avalon Car Insurance Cost

Sick and tired of paying out the nose to buy car insurance? You’re in the same situation as many other consumers. Since consumers have many online and local companies to choose from, it can be hard to find the most affordable company.

Compare the Market for Auto Insurance

There are a lot of ways to compare auto insurance prices but some are more efficient than others. You can waste hours discussing policy coverages with insurance agencies in your area, or you can utilize the internet to get prices fast.

Many of the larger companies take part in a program where prospective buyers only type in their quote data once, and at least one company returns a competitive quote based on the submitted data. This prevents consumers from doing quote forms for each company you want a rate for. To enter your information into the quoting system, click here (opens in new window).

The one downside to comparing rates this way is you can’t choose the insurers to get quotes from. If you prefer to choose specific providers for rate comparison, we have a page of auto insurance companies in your area. View list of insurance companies.

It’s up to you how you get prices quotes, just ensure you are comparing identical information with each company. If you are comparing different liability limits it will be impossible to find the best deal for your Toyota Avalon.

How much can you save with discounts?

Insurance can be prohibitively expensive, but you may find discounts that can drop the cost substantially. Some discounts apply automatically when you complete an application, but lesser-known reductions have to be requested specifically before you get the savings. If you aren’t receiving every discount available, you’re just leaving money on the table.

  • Good Students Pay Less – A discount for being a good student can be rewarded with saving of up to 25%. Earning this discount can benefit you until age 25.
  • Accident Free – Drivers with accident-free driving histories pay less when compared to drivers who are more careless.
  • Driver’s Ed – Have your child enroll in driver’s education in school.
  • Low Mileage Discounts – Driving fewer miles could qualify for lower rates on the low mileage vehicles.
  • Military Discounts – Having a family member in the military could be rewarded with lower premiums.
  • Multiple Vehicles – Insuring multiple vehicles on one policy could earn a price break for each car.
  • Save with a New Car – Adding a new car to your policy is cheaper because new vehicles have to meet stringent safety requirements.

Consumers should know that most discounts do not apply to all coverage premiums. Most cut specific coverage prices like comp or med pay. Even though it may seem like adding up those discounts means a free policy, auto insurance companies aren’t that generous. But any discount will cut the cost of coverage.

Companies that may have these discounts include:

Double check with each company how you can save money. Discounts might not apply in your state.

How much car insurance do I need?

When buying coverage for your personal vehicles, there is no one size fits all plan. Your needs are not the same as everyone else’s so this has to be addressed. For example, these questions could help you determine if your situation may require specific advice.

  • Am I covered if I drive in a foreign country?
  • Is my cargo covered for damage or theft?
  • When should I remove comp and collision on my 1999 Toyota Avalon?
  • Am I covered by my spouse’s policy after a separation?
  • How do I buy GAP insurance?
  • How do I insure my teen driver?

If you’re not sure about those questions but a few of them apply, you may need to chat with a licensed insurance agent. If you want to speak to an agent in your area, take a second and complete this form or you can go here for a list of companies in your area. It’s fast, doesn’t cost anything and may give you better protection.

Coverage specifics

Learning about specific coverages of insurance aids in choosing which coverages you need and proper limits and deductibles. Insurance terms can be impossible to understand and nobody wants to actually read their policy. Shown next are the usual coverages available from insurance companies.

Comprehensive insurance

Comprehensive insurance coverage covers damage OTHER than collision with another vehicle or object. A deductible will apply then the remaining damage will be covered by your comprehensive coverage.

Comprehensive can pay for claims like hail damage, damage from a tornado or hurricane, hitting a deer, hitting a bird and rock chips in glass. The maximum payout you can receive from a comprehensive claim is the actual cash value, so if the vehicle’s value is low it’s probably time to drop comprehensive insurance.

Liability coverage

Liability coverage provides protection from damages or injuries you inflict on a person or their property in an accident. It protects YOU against other people’s claims, and doesn’t cover damage sustained by your vehicle in an accident.

It consists of three limits, per person bodily injury, per accident bodily injury, and a property damage limit. You might see policy limits of 50/100/50 that means you have $50,000 in coverage for each person’s injuries, a limit of $100,000 in injury protection per accident, and a limit of $50,000 paid for damaged property. Some companies may use a combined single limit or CSL which limits claims to one amount and claims can be made without the split limit restrictions.

Liability coverage pays for things such as medical expenses, funeral expenses, emergency aid, structural damage and legal defense fees. How much liability coverage do you need? That is up to you, but buy as high a limit as you can afford.

Med pay and Personal Injury Protection (PIP)

Personal Injury Protection (PIP) and medical payments coverage pay for immediate expenses for doctor visits, prosthetic devices and EMT expenses. The coverages can be utilized in addition to your health insurance policy or if there is no health insurance coverage. Coverage applies to you and your occupants and also covers being hit by a car walking across the street. Personal Injury Protection is not universally available but can be used in place of medical payments coverage

Uninsured/Underinsured Motorist (UM/UIM)

This provides protection when other motorists do not carry enough liability coverage. It can pay for injuries to you and your family as well as damage to your 1999 Toyota Avalon.

Since a lot of drivers carry very low liability coverage limits, it doesn’t take a major accident to exceed their coverage limits. That’s why carrying high Uninsured/Underinsured Motorist coverage is very important. Frequently these limits are set the same as your liablity limits.

Collision coverage protection

Collision insurance will pay to fix damage to your Avalon resulting from colliding with another vehicle or an object, but not an animal. You first must pay a deductible then your collision coverage will kick in.

Collision coverage pays for claims such as colliding with a tree, driving through your garage door, backing into a parked car and damaging your car on a curb. Collision coverage makes up a good portion of your premium, so consider dropping it from vehicles that are 8 years or older. Another option is to choose a higher deductible to bring the cost down.

Save your hard earned cash

You just learned a lot of ways to save on 1999 Toyota Avalon insurance. It’s most important to understand that the more price quotes you have, the better your chances of lowering your rates. Consumers may even find the best price on insurance is with a company that doesn’t do a lot of advertising. Smaller companies can often provide lower rates in certain areas compared to the large companies like Allstate and Progressive.

As you shop your coverage around, never skimp on coverage in order to save money. There are a lot of situations where someone dropped full coverage only to regret at claim time that they should have had better coverage. Your aim should be to buy enough coverage at the best price.

More detailed insurance information is located in the articles below: