2008 Toyota Sienna Car Insurance Quotes – 9 Savings Tips

Are you sick and tired of being strong-armed to pay your car insurance bill each month? Your situation is no different than most other car owners.

Because there are so many companies to choose from, it can be diffult for consumers to find the cheapest provider.

Compare Insurance Costs

To find the best insurance prices, there are several ways to compare quotes from insurance companies in your area. The best way to find competitive 2008 Toyota Sienna insurance rates is simply to get online rate quotes. This can be accomplished in a couple of different ways.

  1. One of the best ways to get quotes would be an industry-wide quote request form (click to open form in new window). This easy form eliminates the need for separate forms to each individual insurance company. Just one form will return price quotes direct from many companies.
  2. Another way to compare rate quotes requires you to visit each company website to request a price quote. For sake of this example, we’ll pretend you want to compare Allstate, Farmers and GMAC. To find out each rate you need to go to every website and enter your policy data, and that’s why the first method is more popular.

    To view a list of companies in your area, click here.

  3. The least efficient way of getting rate comparisons is to spend your day driving to and from local insurance agencies. The ability to buy insurance online eliminates the need for an insurance agent unless you require the professional guidance of a licensed agent. However, consumers can comparison shop online but buy from a local insurance agent and we’ll touch on that later.

It’s your choice how you get your quotes, but make sure you use exactly the same coverage limits on every quote. If you compare different deductibles it will be impossible to find the best deal for your Toyota Sienna. Slightly different coverage limits can mean a large discrepancy in price. And when comparison shopping, having more price comparisons will enable you to find the best offered rates.

Don’t overlook these nine discounts

Car insurance companies don’t list all their discounts in a way that’s easy to find, so we took the time to find some of the best known and the more hidden ways to save on insurance coverage.

  • Life Insurance – Some companies give a discount if you purchase a life insurance policy as well.
  • Anti-theft Discount – Vehicles with anti-theft systems help deter theft and will save you 10% or more.
  • Student Driver Training – Have your child complete a driver education course in school.
  • Club Memberships – Participating in certain professional organizations could qualify you for a break when shopping for insurance coverage for Sienna coverage.
  • Military Rewards – Being deployed with a military unit could be rewarded with lower premiums.
  • Homeowners Savings – Owning a house can save you money because of the fact that having a home shows financial diligence.
  • Paperwork-free – Certain companies may give you up to $50 just for signing your application over the internet.
  • Accident Waiver – A handful of insurance companies permit an accident without raising rates if you are claim-free prior to the accident.
  • Air Bag Discount – Vehicles equipped with air bags may earn rate discounts of more than 20%.

Keep in mind that most credits do not apply to the entire policy premium. Most only reduce individual premiums such as comprehensive or collision. So when it seems like you would end up receiving a 100% discount, it just doesn’t work that way.

A partial list of companies that may offer these discounts may include but are not limited to:

Before buying, ask each company how you can save money. Savings might not be offered in every state.

Is my situation unique?

When buying coverage, there really is not a cookie cutter policy. Everyone’s situation is a little different and a cookie cutter policy won’t apply. Here are some questions about coverages that may help highlight if you could use an agent’s help.

  • Are my tools covered if they get stolen from my vehicle?
  • How high should my uninsured/underinsured coverage be in my state?
  • Do I have coverage when making deliveries for my home business?
  • What is no-fault insurance?
  • Can I get a multi-policy discount for packaging my home and auto coverage?
  • Is my cargo covered for damage or theft?

If you’re not sure about those questions but you think they might apply to your situation, then you may want to think about talking to a licensed agent. If you don’t have a local agent, simply complete this short form or you can also visit this page to select a carrier

Car insurance coverages explained

Having a good grasp of your policy helps when choosing the best coverages and the correct deductibles and limits. The terms used in a policy can be impossible to understand and nobody wants to actually read their policy. Below you’ll find typical coverage types offered by car insurance companies.

Protection from uninsured/underinsured drivers

Your UM/UIM coverage provides protection from other drivers when they either have no liability insurance or not enough. This coverage pays for injuries to you and your family and also any damage incurred to your Toyota Sienna.

Due to the fact that many 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.

Medical expense insurance

Med pay and PIP coverage provide coverage for immediate expenses such as surgery, chiropractic care, prosthetic devices and hospital visits. They can be used in conjunction with a health insurance policy or if you are not covered by health insurance. It covers you and your occupants and also covers if you are hit as a while walking down the street. PIP is not universally available and may carry a deductible

Collision protection

This coverage pays for damage to your Sienna resulting from a collision with another car or object. You will need to pay your deductible then your collision coverage will kick in.

Collision insurance covers claims such as sustaining damage from a pot hole, damaging your car on a curb, hitting a mailbox, colliding with another moving vehicle and sideswiping another vehicle. Collision coverage makes up a good portion of your premium, so consider removing coverage from vehicles that are older. You can also bump up the deductible to save money on collision insurance.

Liability coverages

Liability coverage provides protection from damage that occurs to other people or property by causing an accident. It protects you from legal claims by others, and does not provide coverage for 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 policy limits of 25/50/25 that translate to a $25,000 limit per person for injuries, a limit of $50,000 in injury protection per accident, and a limit of $25,000 paid for damaged property.

Liability can pay for things like repair costs for stationary objects, attorney fees, structural damage and pain and suffering. The amount of liability coverage you purchase is a personal decision, but you should buy higher limits if possible.

Comprehensive (Other than Collision)

This pays to fix your vehicle from damage caused by mother nature, theft, vandalism and other events. You first must pay your deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage pays for claims such as damage from flooding, rock chips in glass, theft, damage from getting keyed and damage from a tornado or hurricane. The most your car insurance company will pay is the market value of your vehicle, so if the vehicle is not worth much it’s probably time to drop comprehensive insurance.