1998 Toyota Avalon Insurance Quotes – 5 Ways to Save

No car owner looks forward to paying for insurance, especially when the price is too high.

Numerous insurers battle to insure your vehicles, so it’s not easy to compare every insurance company and uncover the absolute lowest price

If you are paying for car insurance now, you should be able to cut costs considerably using this strategy. Finding affordable coverage is not rocket science. Nevertheless, drivers benefit from understanding how big insurance companies determine prices.

How to find the cheapest auto insurance

Effectively comparing auto insurance prices can be a daunting task if you don’t utilize the best way to get rate quotes. You can spend your afternoon talking about coverages with insurance agencies in your area, or you could use online quoting to quickly compare rates.

The majority of car insurance companies belong to an insurance system that allows shoppers to send in one quote, and every company returns a competitive quote determined by their information. This system prevents you from having to do quote requests to every company. To compare rates now click to open in new window.

The only drawback to doing it this way is buyers cannot specifically choose which carriers to receive prices from. So if you want to choose individual companies to compare, we have a listing of companies who write auto insurance in your area. View list of insurance companies.

How you compare quotes is your choice, just double check that you are using equivalent coverages with every price quote. If the quotes have different values for each quote it’s not possible to find the best deal for your Toyota Avalon. Having just a slight variation in insurance coverages or limits can mean a large discrepancy in price. And when quoting auto insurance, remember that making a lot of price comparisons helps you find a lower rate than you’re paying now.

You are unique and your auto insurance should be too

When buying coverage, there is no cookie cutter policy. Everyone’s needs are different and your policy should reflect that. For instance, these questions may help you determine whether your personal situation will benefit from professional help.

  • Which is better, split liability limits or combined limits?
  • What is PIP insurance?
  • What vehicles should carry emergency assistance coverage?
  • What discounts do I qualify for?
  • Can I get a multi-policy discount?
  • Is a new car covered when I drive it off the dealer lot?

If you’re not sure about those questions then you might want to talk to a licensed insurance agent. If you want to speak to an agent in your area, take a second and complete this form or you can go here for a list of companies in your area.

Specific coverages for a 1998 Toyota Avalon

Understanding the coverages of your insurance policy helps when choosing the best coverages and the correct deductibles and limits. Policy terminology can be ambiguous and reading a policy is terribly boring. These are the normal coverages found on the average insurance policy.

Comprehensive (Other than Collision) – Comprehensive insurance coverage will pay to fix damage OTHER than collision with another vehicle or object. A deductible will apply and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive coverage pays for things such as damage from getting keyed, hitting a bird, falling objects, damage from a tornado or hurricane and a tree branch falling on your vehicle. The maximum amount a insurance company will pay at claim time is the market value of your vehicle, so if the vehicle is not worth much it’s not worth carrying full coverage.

Protection from uninsured/underinsured drivers – Your UM/UIM coverage provides protection from other motorists when they do not carry enough liability coverage. It can pay for injuries sustained by your vehicle’s occupants as well as your vehicle’s damage.

Because many people carry very low liability coverage limits, their limits can quickly be used up. For this reason, having high UM/UIM coverages should not be overlooked.

Collision coverage – Collision coverage pays to fix your vehicle from damage resulting from a collision with a stationary object or other vehicle. A deductible applies then the remaining damage will be paid by your insurance company.

Collision coverage protects against things such as damaging your car on a curb, colliding with another moving vehicle, rolling your car, crashing into a building and hitting a parking meter. Collision is rather expensive coverage, so consider dropping it from older vehicles. It’s also possible to raise the deductible to bring the cost down.

Liability insurance – Liability insurance provides protection from damage that occurs to people or other property. Liability coverage has three limits: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. As an example, you may have limits of 25/50/25 which means $25,000 bodily injury coverage, a per accident bodily injury limit of $50,000, and a limit of $25,000 paid for damaged property.

Liability coverage pays for things like pain and suffering, medical services, loss of income, bail bonds and attorney fees. How much liability coverage do you need? That is a decision to put some thought into, but you should buy as high a limit as you can afford.

Medical expense insurance – Med pay and PIP coverage kick in for bills for ambulance fees, hospital visits and nursing services. They can be utilized in addition to your health insurance policy or if you do not have health coverage. They cover both the driver and occupants and will also cover any family member struck as a pedestrian. PIP coverage is not universally available but can be used in place of medical payments coverage