2009 Toyota Yaris Insurance Cost

Searching for cheaper insurance coverage rates for your Toyota Yaris? Using the web to shop for insurance coverage can be difficult if you are a beginner to online price comparisons. Don’t let that stop you because online price shopping is actually quite simple.

Auto Insurance Quote Comparison

All the larger auto insurance companies quote coverage price quotes on the web. Obtaining pricing doesn’t take a lot of time as you simply type in your coverage preferences as detailed in the form. After you submit the form their system sends out for information on your driving record and credit history and returns pricing information determined by many factors.

Being able to quote online streamlines rate comparisons, but having to visit many different websites and fill out multiple forms can be a bit repetitive. But it’s absolutely necessary to perform this step in order to find the best price on auto insurance.

The better way to compare rates

The quickest way to locate the lowest prices uses one simple form to get prices from a bunch of companies at once. The form is fast, requires less work, and makes quoting online much more efficient. After your information is entered, it gets priced and you are able to buy any of the quotes that you receive.

If you find a better price you can click and sign and purchase the new policy. The whole process takes 15 minutes at the most and you’ll know if lower rates are available.

To fill out one form to compare multiple rates now, simply click here to open in new window and begin entering your coverage information. If you have your current policy handy, we recommend that you enter your coverages as shown on your current policy. This ensures you’re receiving a fair comparison for similar insurance coverage.

How much can you save with discounts?

The price of auto insurance can be rather high, but companies offer discounts that you may not know about. Certain discounts will be triggered automatically when you get a quote, but less common discounts must be inquired about before they will apply.

  • Passive Restraints and Air Bags – Vehicles with factory air bags or motorized seat belts can receive discounts up to 30%.
  • Seat Belt Usage – Drivers who require all occupants to wear their seat belts could save 15% off your PIP or medical payments premium.
  • Pay Upfront and Save – If you pay your entire premium ahead of time instead of making monthly payments you can actually save on your bill.
  • Anti-lock Brake Discount – Vehicles with anti-lock braking systems can reduce accidents and earn discounts up to 10%.
  • Senior Discount – Older drivers can possibly qualify for reduced rates on Yaris coverage.
  • Auto/Home Discount – When you combine your home and auto insurance with the same company you will save at least 10% off all policies.
  • Service Members Pay Less – Being deployed with a military unit could be rewarded with lower premiums.

Drivers should understand that some credits don’t apply to your bottom line cost. Some only apply to the price of certain insurance coverages like comprehensive or collision. So even though they make it sound like it’s possible to get free car insurance, insurance companies aren’t that generous. But any discount will bring down your premiums.

For a list of insurers offering insurance discounts, click here.

How much car insurance do I need?

When buying coverage for your personal vehicles, there is no one size fits all plan. Everyone’s situation is unique.

For example, these questions could help you determine if your situation would benefit from an agent’s advice.

  • Am I covered if I break a side mirror?
  • What vehicles should carry emergency assistance coverage?
  • Can I pay claims out-of-pocket if I buy high deductibles?
  • Can my teen drive my company car?
  • When would I need rental car insurance?
  • Are rock chip repairs covered?
  • Should I file a claim if it’s only slightly more than my deductible?
  • Does my insurance cover a custom paint job?
  • Is my state a no-fault state?

If it’s difficult to answer those questions but you think they might apply to your situation, you might consider talking to a licensed insurance agent. If you don’t have a local agent, fill out this quick form.

Car insurance coverage breakdown

Knowing the specifics of your car insurance policy helps when choosing the best coverages for your vehicles. The terms used in a policy can be confusing and coverage can change by endorsement.

Collision protection

This coverage covers damage to your Yaris resulting from colliding with an object or car. A deductible applies then your collision coverage will kick in.

Collision coverage pays for things such as hitting a mailbox, sustaining damage from a pot hole, colliding with a tree and backing into a parked car. This coverage can be expensive, so you might think about dropping it from vehicles that are older. Another option is to increase the deductible to get cheaper collision coverage.

Uninsured/Underinsured Motorist (UM/UIM)

This coverage gives you protection from other motorists when they either have no liability insurance or not enough. Covered claims include injuries to you and your family and also any damage incurred to your Toyota Yaris.

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 is important protection for you and your family. Normally these coverages do not exceed the liability coverage limits.

Med pay and Personal Injury Protection (PIP)

Medical payments and Personal Injury Protection insurance pay for short-term medical expenses for chiropractic care, dental work, prosthetic devices and rehabilitation expenses. They are often used to cover expenses not covered by your health insurance policy or if you do not have health coverage. Coverage applies to not only the driver but also the vehicle occupants as well as any family member struck as a pedestrian. Personal Injury Protection is not available in all states and gives slightly broader coverage than med pay

Comprehensive insurance

This coverage will pay to fix damage caused by mother nature, theft, vandalism and other events. A deductible will apply then your comprehensive coverage will pay.

Comprehensive coverage protects against things like vandalism, damage from flooding, hitting a bird, damage from a tornado or hurricane and rock chips in glass. The maximum amount you can receive from a comprehensive claim is the ACV or actual cash value, so if it’s not worth much more than your deductible consider removing comprehensive coverage.

Liability auto insurance

Liability coverage protects you from injuries or damage you cause to a person or their property. This coverage protects you against claims from other people. It does not cover damage to your own property or vehicle.

Liability coverage has three limits: bodily injury per person, bodily injury per accident and property damage. Your policy might show policy limits of 25/50/25 which stand for $25,000 bodily injury coverage, $50,000 for the entire accident, and a limit of $25,000 paid for damaged property. Occasionally you may see one limit called combined single limit (CSL) which combines the three limits into one amount with no separate limits for injury or property damage.

Liability coverage protects against claims such as medical expenses, structural damage, attorney fees and funeral expenses. How much liability should you purchase? That is a decision to put some thought into, but you should buy as much as you can afford.