Insure Your Toyota Yaris For Less Than You Are Paying Now
If shopping for auto insurance was more enjoyable, it would get done more often. But we always seem to pay too much for coverage and most people would rather go to the dentist. Finding good insurance for your Toyota Yaris probably leaves you feeling the same way.
Step One: Compare Rates
If you haven't shopped for car insurance for awhile you might remember the days when the only option was to visit a local insurance agent. Times have changed!
You can compare insurance rates for a Toyota Yaris simply and quickly just by filling out one form. This allows you to quote the same coverages with multiple companies and pick the lowest rate.
Take the first step by clicking the link below. By answering a few questions you'll be able to compare rates quickly and easily.
Quote Tip! In order to accurately compare rates for your Yaris, it's critical that you use the same limits and deductibles for liability and physical damage coverages like comprehensive and collision. If you use different limits, you will not be able to accurately compare rates between carriers.
Step Two: Techniques to Lower your Yaris Insurance Rates
Now that you have several rates to compare (since you did compare rates above, right?), we will now show you some additional ways you can lower your Yaris insurance rates.
- Membership has it's privleges. If you're a member of a professional organization, check to see if your company offers discounts to its members. It can add up to 5% or more.
- Before a comprehensive or collision claim is paid by your company, you have to pay a deductible first. The more you're willing to pay, the lower your rates will be. Consider raising your deductibles to $500 or even $1,000.
- If you have any teenage drivers in your household, expect to fork out quite a bit more for insurance. Rating them on a low profile vehicle with liability only coverage is the best way to save money.
- Speeding and other minor violations can impact your car insurance rates for up to three years. The increased cost can easily exceed the fine and court costs for the original ticket.
- Safety features such as passive restraints and air bag systems help reduce injuries in and accident, and car insurance companies will charge lower rates if these features are present.
- Smaller claims that hardly exceed your deductible are better off not being filed with your insurance company. Policyholders with no claims enjoy lower rates than those who frequently file claims.
- If your Yaris ranks on the list of vehicles that are frequently stolen, that can result in a higher rating class and a more expensive rate.
- If you have a high credit score, you will be rewarded with lower insurance rates. Conversely, if your credit rating is on the low site, your rates will be higher.
- Successfully completing a driver's training class can help lower your rates if your insurance company offers that discount.
- Having any gaps in coverage (known as a lapse) is bad in the eyes of any insurance company. Make sure you keep coverage in force at all times by synchronizing the expiration and effective dates of your policies.
- Most insurance companies will give you a discount on your car insurance if you also own a home. Some go even farther and give you discounts if you package your homeowners and auto insurance with them.
Step Three: Buy the Best Policy
Car insurance is pretty easy to buy online, but you do need to be aware that it is a legally binding contract. You need to have funds available for a down payment as well as review your coverages for any insufficiencies.
Make sure to avoid any lapse in coverage by setting the new policy's effective date to be the same date you cancel your old policy. Otherwise you could be driving without any coverage.
If this is a new policy with only the Toyota on it, be sure to have coverage before leaving the dealership or car lot. If you're adding it to an existing policy, you have anywhere from 15 to 30 days depending on the company. Coverage that extends from an existing policy is only as good as your current coverage. So if you don't carry full coverage on any vehicles, you won't have it on your new Yaris.
At the end of buying your policy, you will be able to print out a new proof-of-insurance card to place in your vehicle. This card is required by law and must be produced if requested by law enforcement. If you have received a DUI, reckless driving citation or caused an accident without insurance, you may be required to file an SR-22 with your state DMV. Make sure your new company is aware of the SR-22 filing requirement.
More Resources
To do more research on car insurance, visit the Insurance Information Institute website.
Recent Blog Articles
