I can’t think of anyone who likes having to buy auto insurance, in particular when their premiums are through the roof. You have multiple auto insurance companies to buy insurance from, and although it’s a good thing to have a selection, too many choices makes it more difficult to compare company pricing.
It’s smart to compare prices at least once a year because insurance rates are usually higher with each renewal. Even if you got the best price on Sienna coverage six months ago a different company probably has better rates today. So ignore everything you know about auto insurance because it’s time to teach you the things you must know in order to find lower rates on auto insurance.
Free Quotes for Auto Insurance
Finding a lower price on Toyota Sienna insurance is a fairly straight forward process. You just need to take the time getting comparison quotes provided by online insurance companies. This can be done in several different ways.
The recommended way to find low rates is an all-inclusive rate comparison (click to open form in new window). This type of form keeps you from doing a different quote for each company. Filling out one form will get you rate comparisons from multiple companies.
A slightly less efficient method to shop for auto insurance online is to take the time to go to the website of each company to complete a price quote. For sake of this example, let’s assume you want comparison quotes from USAA, GEICO and Progressive. You would have to spend time on each company’s site to input your insurance information, and that’s why the first method is more popular. For a handy list of car insurance company links in your area, click here.
The most time-consuming method of comparing rate quotes is to waste gas driving to and from local insurance agencies. Buying insurance online eliminates the need for an insurance agent unless you have a need for the professional advice only provided by licensed agents. It is possible to price shop online and still use a local agent and we’ll talk about that later.
It’s up to you which method you use, but compare apples-to-apples coverage information for each price quote. If each company quotes different deductibles it will be next to impossible to find the best deal for your Toyota Sienna.
Discounts are basically free money
Car insurance can cost a lot, but there are discounts available that many people don’t even know exist. Some discounts apply automatically when you complete an application, but some may not be applied and must be asked about in order for you to get them. If you’re not getting every credit possible, you are throwing money away.
- Payment Discounts – If you pay your bill all at once instead of making monthly payments you may reduce your total bill.
- No Claims – Claim-free drivers pay less as compared to bad drivers.
- Distant Student – Children who attend school more than 100 miles from home and do not have a car can receive lower rates.
- Passive Restraint Discount – Cars that have air bags or motorized seat belts can get savings of 20% or more.
- Good Student Discount – This discount can earn a discount of 20% or more. The good student discount can last up to age 25.
- Student Driver Training – Have your child take driver’s ed class if it’s offered in school.
Drivers should understand that most discount credits are not given to the entire cost. Most only cut the price of certain insurance coverages like liability, collision or medical payments. Just because it seems like adding up those discounts means a free policy, it just doesn’t work that way. But any discount will cut the cost of coverage.
For a list of companies with discount auto insurance rates, follow this link.
What if I want to buy from a local agent?
Some consumers would rather talk to a local agent. Good agents can answer important questions and help in the event of a claim. The best thing about getting online price quotes is you may find the best rates and still have an agent to talk to. Supporting local businesses is especially important in smaller communities.
To make it easy to find an agent, after completing this form (opens in new window), your coverage information gets sent to companies who will return price quotes to get your business. You don’t have to leave your computer since price quotes are sent directly to your email. How’s that for easy!
To select a specific agent in your state, click here.
Picking a company should depend on more than just the premium amount. Ask your prospective agent these questions:
- Do they carry Errors and Omissions coverage?
- Do they have advanced training designations such as CPCU, AAI, AIC, or CIC?
- Which insurance companies are they affiliated with?
- Are they full-time agents?
- Is the agency involved in supporting local community causes?
- Are you getting all the discounts the company offers?
- If you have an accident, will your rates go up?
Once you have answers to your satisfaction for all questions you ask in addition to an acceptable price estimate, you’ve probably found an provider that can adequately provide auto insurance.
Shop smart and save
We just showed you a lot of techniques to shop for Toyota Sienna insurance online. The key thing to remember is the more you quote, the more likely it is that you will get a better rate. Consumers could even find that the lowest rates come from the smaller companies. Smaller companies may often insure only within specific states and give getter rates compared to the large companies like Allstate, GEICO and Progressive.
Discount Toyota Sienna insurance can be bought from both online companies in addition to many insurance agents, and you need to comparison shop both to get a complete price analysis. Some insurance companies do not provide the ability to get a quote online and many times these regional insurance providers only sell through independent insurance agents.
