View 2006 Toyota Sienna Car Insurance Rates

If you’ve never shopped for insurance online, you may be confused by the sheer number of online insurance companies and websites selling insurance.

You should make it a habit to compare rates yearly since rates change regularly. Even if you got the best deal for Sienna insurance last year the chances are good that you can find a lower rate today. So forget all the misinformation about insurance because it’s time to teach you how to use online quotes to save money, get proper coverage and the best rates.

Why your Toyota Sienna might be costing you more

An important part of buying insurance is that you know the different types of things that go into determining the rates you pay for car insurance. Knowing what determines base rates allows you to make educated decisions that may reward you with much lower annual insurance costs.

  • Do you know your deductibles? – Coverage for physical damage, otherwise known as comp (or other than collision) and collision, is used to repair damage to your Toyota. A few examples of covered claims are colliding with a building, vandalism, and windstorm damage. Your deductibles are how much you are required to spend if you file a covered claim. The higher the amount you have to pay, the less your car insurance will be for Sienna insurance.
  • Discounts for married couples – Getting married can get you a discount when buying car insurance. Having a significant other means you’re more mature than a single person and statistics show drivers who are married are more cautious.
  • Small claims can cost you – Auto insurance companies give lower rates to drivers who file claims infrequently. If you are a frequent claim filer, you can definitely plan on either a policy non-renewal or much higher rates. Insurance coverage is designed for the large, substantial claims.
  • Pleasure use saves money – The more you drive in a year the higher your rate. Most insurance companies charge to insure your cars based upon how you use the vehicle. Cars left parked in the garage get more affordable rates than those used for commuting. Make sure your car insurance policy is rated on the correct driver usage. If your policy improperly rates your Sienna can cost quite a bit.
  • Lower rates with optional equipment – Choosing a vehicle with an alarm system can get you a discount on your car insurance. Anti-theft devices like tamper alarm systems, vehicle immobilizer technology and General Motors OnStar can thwart your car from being stolen.
  • Clean credit earns discounts – A driver’s credit rating is a important factor in your rate calculation. Drivers with high credit ratings tend to file fewer claims and have better driving records than drivers who have lower credit ratings. If your credit history can use some improvement, you could save money insuring your 2006 Toyota Sienna by repairing your credit.

Discounts mean cheaper Toyota Sienna insurance rates

Insurance can be prohibitively expensive, but discounts can save money and there are some available to help bring down the price. Some trigger automatically when you get a quote, but a few need to be manually applied before being credited.

  • Bundle and Save – If you insure your home and vehicles with the same company you may earn up to 20% off your total premium.
  • Distant Student – Children who are attending college and do not have access to a covered vehicle can be insured at a reduced rate.
  • Multiple Cars – Insuring all your vehicles with the same company can get a discount on all vehicles.
  • Fewer Miles Equal More Savings – Fewer annual miles on your Toyota could be rewarded with lower rates on the low mileage vehicles.
  • Government Employees – Employees or retirees of the government may qualify you for a discount for Sienna insurance depending on your company.
  • Drivers Ed for Students – Cut your cost by having your teen driver complete a driver education course in high school.
  • Discount for Swiching Early – Some companies give discounts for switching policies before your current policy expires. The savings is around 10%.
  • Club Memberships – Belonging to a civic or occupational organization could qualify you for a break on your policy for Sienna insurance.

Drivers should understand that most of the big mark downs will not be given the the whole policy. A few only apply to the cost of specific coverages such as physical damage coverage or medical payments. Just because you may think all those discounts means the company will pay you, you’re out of luck. Any amount of discount will reduce your overall premium however.

Insurance companies that may have these discounts may include but are not limited to:

Double check with each company which discounts they offer. Discounts may not apply everywhere.

Tailor your coverage to you

When it comes to choosing proper insurance coverage for your vehicles, there is no “best” method to buy coverage. Each situation is unique.

These are some specific questions might point out if you might need an agent’s assistance.

  • What is UM/UIM insurance?
  • Am I covered if my car is in a flood?
  • Is my business laptop covered if it gets stolen from my vehicle?
  • Is my babysitter covered when using my vehicle?
  • Why do I need rental car insurance?
  • Will my insurance pay for OEM parts?

If you don’t know the answers to these questions but one or more may apply to you, then you may want to think about talking to a licensed insurance agent. To find lower rates from a local agent, complete this form.

Learn about insurance coverages for a Toyota Sienna

Understanding the coverages of your insurance policy aids in choosing appropriate coverage for your vehicles. The coverage terms in a policy can be confusing and even agents have difficulty translating policy wording.

UM/UIM Coverage – This coverage gives you protection from other motorists when they do not carry enough liability coverage. It can pay for injuries to you and your family as well as damage to your Toyota Sienna.

Since many drivers only purchase the least amount of liability that is required, their liability coverage can quickly be exhausted. That’s why carrying high Uninsured/Underinsured Motorist coverage should not be overlooked. Normally these coverages are set the same as your liablity limits.

Comprehensive or Other Than Collision – Comprehensive insurance pays for 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 claims like fire damage, falling objects, damage from a tornado or hurricane and theft. The most your insurance company will pay is the cash value of the vehicle, so if the vehicle’s value is low it’s not worth carrying full coverage.

Collision – This coverage pays to fix your vehicle from damage resulting from colliding with a stationary object or other vehicle. You first must pay a deductible then your collision coverage will kick in.

Collision can pay for things such as crashing into a building, colliding with a tree and hitting a parking meter. This coverage can be expensive, so you might think about dropping it from older vehicles. It’s also possible to choose a higher deductible to get cheaper collision coverage.

Liability coverage – This coverage will cover injuries or damage you cause to a person or their property by causing an accident. It protects you from claims by other people. It does not cover damage sustained by your vehicle in an accident.

Split limit liability has three limits of coverage: per person bodily injury, per accident bodily injury, and a property damage limit. You commonly see values of 25/50/25 that translate to $25,000 bodily injury coverage, a total of $50,000 of bodily injury coverage per accident, and $25,000 of coverage for damaged propery. Alternatively, you may have one number which is a combined single limit which combines the three limits into one amount rather than limiting it on a per person basis.

Liability coverage pays for claims such as court costs, medical services and funeral expenses. The amount of liability coverage you purchase is up to you, but consider buying as much as you can afford.

Medical costs insurance – Personal Injury Protection (PIP) and medical payments coverage kick in for short-term medical expenses for EMT expenses, funeral costs, pain medications, chiropractic care and ambulance fees. They can be utilized in addition to your health insurance policy or if you lack health insurance entirely. Coverage applies to both the driver and occupants and also covers being hit by a car walking across the street. PIP coverage is not available in all states and may carry a deductible

Get your money’s worth

You just learned a lot of tips how to shop for 2006 Toyota Sienna insurance online. The key thing to remember is the more price quotes you have, the better your chances of lowering your rates. Consumers could even find that the biggest savings come from a lesser-known regional company.

People switch companies for a variety of reasons including policy non-renewal, being labeled a high risk driver, an unsatisfactory settlement offer or even delays in responding to claim requests. It doesn’t matter why you want to switch choosing a new insurance company can be pretty painless.

When shopping online for insurance coverage, make sure you don’t skimp on coverage in order to save money. In many instances, an insured dropped collision coverage only to regret at claim time that they should have had better coverage. The ultimate goal is to buy a smart amount of coverage at the best price while not skimping on critical coverages.

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