2003 Toyota Celica Car Insurance Rates

Shopping online for auto insurance can be a challenge if you have never used online rate quotes. Don’t let that stop you because we’re going to show you how.

Choosing the best insurance company for you is easy if you know what you’re doing. Basically, every vehicle owner who buys car insurance should be able to find lower rates. Nevertheless, car owners need to have an understanding of how the larger insurance companies sell insurance online and use this information to your advantage.

Finding Auto Insurance Deals

Effectively comparing auto insurance prices can be a lot of work if you don’t know the fastest way to get free quotes. You could waste a few hours talking to insurance agencies in your area, or you could use online quotes to get prices fast.

Many companies take part in a program that enables customers to enter their policy data once, and at least one company then gives them pricing based on that data. This system prevents you from having to do quote forms to every company.

To participate in this free quote system, click here to open in new window.

The single downside to using this type of system is buyers cannot specifically choose the insurers to get pricing from. If you wish to select specific providers to receive pricing from, we put together a list of companies who write auto insurance in your area. Click here to view list.

It’s up to you how you get prices quotes, just make darn sure you compare exactly the same quote information on every quote you get. If you enter mixed coverages it’s impossible to determine the best price for your Toyota Celica. Just a small difference in insurance coverages can result in a big premium difference. Just remember that getting more free quotes will increase your chances of finding lower pricing.

But I don’t know anything about car insurance

When buying proper insurance coverage, there really is not a cookie cutter policy. Everyone’s needs are different.

Here are some questions about coverages that may help highlight whether or not you will benefit from professional help.

• Do I need PIP (personal injury protection) coverage in my state?
• Am I covered if I crash into my own garage door?
• Is upholstery damage covered by car insurance?
• Can I afford low physical damage deductibles?
• Does my policy pay for OEM or aftermarket parts?
• Who is covered by my policy?
• Can I afford to pay high deductible claims out of pocket?
• Am I covered when renting a car or should I buy coverage from the car rental agency?
• Does my insurance cover a custom paint job?
• Does medical payments coverage apply to all occupants?

If it’s difficult to answer those questions but you know they apply to you then you might want to talk to an insurance agent. If you want to speak to an agent in your area, take a second and complete this form.

Auto insurance coverages

Knowing the specifics of a insurance policy can help you determine the right coverages and proper limits and deductibles. The terms used in a policy can be impossible to understand and coverage can change by endorsement.

Comprehensive coverage

This covers damage OTHER than collision with another vehicle or object. A deductible will apply and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive can pay for claims like fire damage, rock chips in glass and hail damage. The most a insurance company will pay at claim time is the ACV or actual cash value, so if the vehicle’s value is low it’s not worth carrying full coverage.

Uninsured/Underinsured Motorist coverage

Your UM/UIM coverage provides protection from other drivers when they are uninsured or don’t have enough coverage. Covered losses include injuries to you and your family and damage to your Toyota Celica.

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 should not be overlooked.

Medical payments coverage and PIP

Med pay and PIP coverage provide coverage for bills like hospital visits, EMT expenses, chiropractic care and prosthetic devices. They are often used to fill the gap from your health insurance program or if you lack health insurance entirely. They cover you and your occupants as well as if you are hit as a while walking down the street. PIP is only offered in select states and gives slightly broader coverage than med pay

Collision insurance

Collision coverage pays to fix your vehicle from damage from colliding with a stationary object or other vehicle. You first must pay a deductible then the remaining damage will be paid by your insurance company.

Collision coverage protects against things such as driving through your garage door, rolling your car, colliding with a tree and crashing into a building. This coverage can be expensive, so analyze the benefit of dropping coverage from vehicles that are 8 years or older. Drivers also have the option to choose a higher deductible in order to get cheaper collision rates.

Liability

This coverage can cover damage that occurs to a person or their property in an accident. It protects YOU from legal claims by others, and does not provide coverage for your own vehicle damage or injuries.

It consists of three limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. Your policy might show values of 100/300/100 which stand for a $100,000 limit per person for injuries, a per accident bodily injury limit of $300,000, and $100,000 of coverage for damaged propery.

Liability can pay for things like attorney fees, legal defense fees, emergency aid and repair costs for stationary objects. How much liability coverage do you need? That is a personal decision, but you should buy higher limits if possible.