Vehicles > Toyota > Tercel

Toyota Tercel Insurance Cost

Shopping for auto insurance from online rate quotes can be fast and easy, in addition you may find lower rates. The most important part is to take the time to get rates from as many companies as possible so you can get the lowest rate quotes.

If shopping for auto insurance online is new to you, you may be confused by the hoards of online auto insurance companies and websites selling insurance. Lowering your Tercel insurance rates doesn't have to be difficult. You just need to take a few minutes to compare quotes provided by online insurance companies. This is very easy and can be done by completing this short form.

FREE Car Insurance Comparison

Criteria which help determine your insurance rates

Insurance premiums for your Toyota Tercel can vary widely depending on several factors. A few of these criteria are:

  • A clean driving record keeps rates low
  • Credit rating
  • Male rates may be higher
  • Low deductibles cost more
  • NTSB crash rating for your vehicle
  • Whether or not you have claims
  • Having continuous coverage saves you money
  • Owning a home can lower rates

One important consideration that will help determine your rates is the age of the vehicle. New vehicles have a higher replacement value compared to older Toyota models so the cost to replace them can inflate annual premiums. Although newer vehicles have more advanced features included like pedestrian detection, tire pressure monitors, and autonomous braking which can give discounted rates.

To get a better understanding how rates are influenced for your specific model year, select the year of your vehicle from the following list.

Liability insurance

This coverage can cover injuries or damage you cause to other's property or people by causing an accident. Liability coverage pays for claims such as funeral expenses, loss of income, and emergency aid. Coverage is generally pretty cheap so buy higher limits if possible.

Collision insurance

Collision coverage covers damage to your Toyota resulting from colliding with another vehicle or an object, but not an animal. You will need to pay your deductible then your collision coverage will kick in. Collision coverage makes up a good portion of your premium, so you might think about dropping it from lower value vehicles. It's also possible to increase the deductible in order to get cheaper Tercel insurance cost.

Comprehensive protection

Comprehensive insurance coverage pays to fix your vehicle from damage caused by mother nature, theft, vandalism and other events. A deductible will apply then your comprehensive coverage will pay. The maximum payout a auto insurance company will pay at claim time is the ACV or actual cash value, so if the vehicle's value is low it's probably time to drop comprehensive insurance.

Uninsured/Underinsured Motorist (UM/UIM)

This coverage protects you and your vehicle from other motorists when they either are underinsured or have no liability coverage at all. Due to the fact that many drivers have only the minimum liability required by law, it doesn't take a major accident to exceed their coverage limits. This is the reason having UM/UIM coverage is important protection for you and your family.

Medical expense coverage

Coverage for medical payments and/or PIP pay for bills like ambulance fees, surgery, and doctor visits. They are utilized in addition to your health insurance policy or if you are not covered by health insurance. Personal Injury Protection is not an option in every state but it provides additional coverages not offered by medical payments coverage.

How Much are Toyota Tercel Insurance Rates?