2013 Toyota Yaris Car Insurance Quotes – 10 Savings Tips

Are you intimidated by the number of auto insurance options? Many other consumers are too. Drivers have so many choices that it can quickly become a real hassle to find the perfect company for you.

Consumers should take time to compare prices at least once a year since insurance rates are adjusted regularly by insurance companies. If you had the best price for Yaris insurance last year other companies may now be cheaper. Starting now, forget all the misinformation about auto insurance because you’re going to get a crash course in how to use online quotes to find lower rates on auto insurance.

This information will familiarize you with how to effectively get price quotes and some money-saving tips. If you currently have car insurance, you will be able to lower your premiums substantially using these techniques. Nevertheless, drivers can benefit by having an understanding of the way companies price insurance differently and apply this information to your search.

How to Compare Insurance Coverage Costs

All major insurance coverage companies such as Geico, State Farm and Progressive give insurance quotes directly from their websites. The process is fairly simple as you just enter the amount of coverage you want into the quote form. When the form is submitted, their rating system requests reports for credit and driving violations and returns a price quote based on these and other factors.

This streamlines rate comparisons, but the process of having to visit multiple sites and fill out multiple forms can get tiresome after awhile. Unfortunately, it is important to do this if you want to find the best price on insurance coverage.

An easier way to lower your insurance coverage bill requires only one form that gets prices from many companies. It’s a real time-saver, eliminates form submissions, and makes online quotes much more enjoyable and efficient. Immediately after you send the form, your coverage is rated and you can select any or none of the quotes that you receive.

If the quotes result in lower rates, it’s easy to complete the application and buy the policy. This process takes 15 minutes at the most and you will find out if you’re overpaying now.

In order to find out how much you’re overpaying now, click here and complete the simple form. If you have a policy now, it’s recommended that you enter deductibles and limits identical to your current policy. This guarantees you will have rate comparison quotes based on identical coverages.

Don’t pay full price with these ten discounts

Insurance can cost an arm and a leg, but discounts can save money and there are some available that can drop the cost substantially. A few discounts will automatically apply when you complete an application, but less common discounts must be requested specifically before you get the savings.

  • Multi-policy Discount – If you have multiple policies with one company you will save 10% to 20% off each policy.
  • Service Members Pay Less – Having a family member in the military may qualify for rate reductions.
  • Early Switch Discount – A few companies offer discounts for buying a policy prior to your current policy expiring. It’s a savings of about 10%.
  • Use Seat Belts – Using a seat belt and requiring all passengers to buckle their seat belts could cut 10% or more on the medical payments or PIP coverage costs.
  • No Charge for an Accident – Certain companies permit an accident before hitting you with a surcharge if you are claim-free for a particular time prior to the accident.
  • Payment Discounts – By paying your policy upfront instead of paying each month you may reduce your total bill.
  • Paperwork-free – A few companies will give a small break for buying a policy and signing up on their website.
  • Drivers Ed for Students – Have your child take driver’s ed class if it’s offered in school.
  • Organization Discounts – Belonging to certain professional organizations could trigger savings when buying car insurance for Yaris insurance.
  • Own a Home – Simply owning a home can save you money because maintaining a house shows financial diligence.

It’s important to understand that some credits don’t apply the the whole policy. Some only reduce specific coverage prices like physical damage coverage or medical payments. So even though they make it sound like adding up those discounts means a free policy, it doesn’t quite work that way. Any amount of discount will help reduce the cost of coverage.

Car insurance companies that may have these money-saving discounts include:

Check with every prospective company which discounts they offer. Some discounts may not apply in your area.

Your personal situation dictates your coverage

When it comes to buying proper insurance coverage, there really is not a perfect coverage plan. Every insured’s situation is different.

Here are some questions about coverages that might help in determining if your insurance needs would benefit from professional advice.

  • Am I better off with higher deductibles on my 2013 Toyota Yaris?
  • When would I need additional glass coverage?
  • What if I total my 2013 Toyota Yaris and owe more than it’s worth?
  • Is my ex-spouse still covered by my policy?
  • Do I need replacement cost coverage on my 2013 Toyota Yaris?
  • Can I make deliveries for my home business?
  • Should I buy only the required minimum liability coverage?
  • Do I need PIP (personal injury protection) coverage in my state?
  • Is my cargo covered for damage or theft?

If you don’t know the answers to these questions but you think they might apply to your situation, you might consider talking to an insurance agent. If you don’t have a local agent, complete this form.

What car insurance coverages do you need?

Understanding the coverages of car insurance helps when choosing appropriate coverage for your vehicles. Car insurance terms can be ambiguous and even agents have difficulty translating policy wording.

Insurance for medical payments

Coverage for medical payments and/or PIP kick in for expenses such as dental work, ambulance fees, funeral costs and EMT expenses. They are used in conjunction with a health insurance policy or if you lack health insurance entirely. It covers you and your occupants and will also cover getting struck while a pedestrian. PIP coverage is not an option in every state but it provides additional coverages not offered by medical payments coverage

Uninsured Motorist or Underinsured Motorist insurance

This coverage gives you protection from other motorists when they are uninsured or don’t have enough coverage. This coverage pays for medical payments for you and your occupants and damage to your Toyota Yaris.

Because many people only purchase the least amount of liability that is required, their liability coverage can quickly be exhausted. So UM/UIM coverage should not be overlooked. Normally these coverages are similar to your liability insurance amounts.

Liability

Liability coverage will cover damages or injuries you inflict on other people or property in an accident. This insurance protects YOU from legal claims by others. Liability doesn’t cover your injuries or vehicle damage.

It consists of three limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You commonly see policy limits of 100/300/100 which means a limit of $100,000 per injured person, a total of $300,000 of bodily injury coverage per accident, and a limit of $100,000 paid for damaged property. Another option is one number which is a combined single limit which limits claims to one amount without having the split limit caps.

Liability coverage pays for things such as emergency aid, loss of income, medical expenses, funeral expenses and bail bonds. How much coverage you buy is your choice, but consider buying as large an amount as possible.

Collision protection

Collision insurance covers damage to your Yaris from colliding with an object or car. You will need to pay your deductible then the remaining damage will be paid by your insurance company.

Collision can pay for claims such as crashing into a building, hitting a mailbox, 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 older vehicles. It’s also possible to bump up the deductible to bring the cost down.

Comprehensive coverage (or Other than Collision)

This coverage pays for damage OTHER than collision with another vehicle or object. A deductible will apply and then insurance will cover the rest of the damage.

Comprehensive insurance covers claims like damage from a tornado or hurricane, rock chips in glass and vandalism. The maximum payout your car insurance company will pay is the cash value of the vehicle, so if the vehicle’s value is low consider dropping full coverage.

Make a quick buck

We’ve covered a lot of techniques to compare 2013 Toyota Yaris insurance prices online. The key thing to remember is the more times you quote, the better likelihood of reducing your rate. Consumers could even find that the lowest premiums are with some of the smallest insurance companies.

Low-cost insurance can be bought from both online companies and with local insurance agents, and you should compare price quotes from both to have the best selection. There are still a few companies who do not offer you the ability to get quotes online and these smaller companies work with independent agents.

Insureds switch companies for a number of reasons such as an unsatisfactory settlement offer, lack of trust in their agent, not issuing a premium refund and even delays in responding to claim requests. It doesn’t matter what your reason, switching companies is easier than you think.

Much more information about insurance is available on the following sites: