2016 Toyota Avalon Insurance Quotes

Trying to find better insurance rates for your Toyota Avalon? High-priced insurance can consume your family’s budget and make it impossible to make ends meet. Comparing rates annually is an excellent way to make sure you’re not throwing money away.

Many insurance companies compete to insure your vehicles, and because of this it can be hard to compare insurers and get the best coverage at the lowest cost out there.

You should make it a habit to get comparison quotes every six months because prices trend upward over time. Even if you got the best price on Avalon insurance a year ago you may be paying too much now. Forget anything you know (or think you know) about insurance because you’re about to learn one of the easiest ways to get good coverage at a lower rate.

Save with these discounts

Auto insurance companies do not list the complete list of policy discounts very well, so the list below gives a summary of a few of the more common in addition to some of the lesser obvious credits available to you.

  • Accident Free – Drivers who don’t have accidents get the best auto insurance rates in comparison to insureds who have frequent claims or accidents.
  • Mature Driver Discount – Drivers over the age of 55 may receive a slight reduction on a car insurance quote on Avalon insurance.
  • Student Driver Training – Teen drivers should enroll in driver’s education in high school.
  • Use Seat Belts – Buckling up and requiring all passengers to use their safety belts can save a little on medical payment and PIP coverage.
  • Driver Safety – Passing a course teaching safe driver skills could earn you a small percentage discount if your company offers it.
  • Drive Less and Save – Fewer annual miles on your Toyota could qualify for substantially lower premium rates.

Policy discounts save money, but some credits don’t apply to the overall cost of the policy. Some only reduce individual premiums such as collision or personal injury protection. So even though you would think adding up those discounts means a free policy, that’s just not realistic.

Auto insurance companies who might offer most of the discounts above include:

If you need affordable car insurance quotes, ask every insurance company to apply every possible discount. Discounts may not apply to policyholders in every state. To choose companies that offer many of these discounts, click this link.

Compare free insurance coverage rate quotes

Most of the larger companies like 21st Century, Allstate and State Farm provide insurance quotes from their websites. Getting online quotes is easy for anyone because you just enter the coverage amounts you desire on the page. When complete, the company’s rating system requests reports for credit and driving violations and provides a quote. This simplifies rate comparisons, but the work required to visit each company’s website and repetitively enter the same data into a form can be a bit tiresome and repetitive. Unfortunately, it is important to have as many quotes as possible in order to find the lowest price.

The quickest way to find cheaper rates utilizes a single form that gets price quotes from multiple companies. The form is fast, eliminates repetitive work, and makes online quotes much more enjoyable. After your information is entered, it is rated and you can choose any or none of the pricing results.

If a lower price is quoted, you can click and sign and buy the policy. The whole process just takes a couple of minutes and you’ll know if lower rates are available.

To save time and compare pricing, click here to open in new window and fill out the form. If you have coverage now, it’s recommended that you enter your coverages identical to your current policy. This helps ensure you will have rate quotes using the same coverage and limits.

Learn how to find insurance for less

One of the most helpful ways to save on insurance is to to have a grasp of the factors that go into determining your premiums. If you have a feel for what determines premiums, this empowers consumers to make smart changes that can help you get lower rates.

The itemized list below are some of the factors used by companies to determine prices.

  • Get cheaper rates if you’re married – Walking down the aisle can actually save you money on your insurance policy. Having a spouse usually means you are more mature it has been statistically shown that being married results in fewer claims.
  • Prices are affected by your address – Having an address in smaller towns and rural areas of the country may provide you with better prices when trying to find low car insurance rates. Fewer people means reduced accidents and lower theft and vandalism rates. People who live in big cities have to deal with traffic congestion and much longer commute distances. More time on the road can result in more accidents.
  • Poor driving leads to higher costs – Your driving citation history has a lot to do with how much you pay for insurance. Drivers with clean records get better rates than people who have multiple driving citations. Having just one moving violation can increase the cost of insurance by as much as thirty percent. People who have serious violations such as DWI, reckless driving or hit and run convictions may find that they have to to complete a SR-22 to the state department of motor vehicles in order to drive a vehicle legally.
  • When should you file a insurance claims? – If you file claims often, you can definitely plan on either a policy non-renewal or much higher rates. Auto insurance companies award the best rates to drivers who file claims infrequently. Your insurance policy is intended to be relied upon for claims that you cannot pay yourself.
  • Employer stress can make you pay more – Did you know your insurance rates can be affected by your occupation? Jobs such as doctors, business owners and dentists are shown to have the highest average rates because of intense work-related stress and long work days. Conversely, careers such as farmers, historians and performers get better rates on Avalon insurance.
  • How many coverages with the same company – Most major companies will award a discount to insureds that purchase more than one policy, otherwise known as a multi-policy discount. This can amount to ten percent or more. Even if you’re getting this discount you still need to compare other company rates to make sure you are getting the best deal.

Special considerations

When choosing the right insurance coverage, there really is no single plan that fits everyone. Coverage needs to be tailored to your specific needs and a cookie cutter policy won’t apply. For instance, these questions can help discover if your situation would benefit from professional advice.

  • Do I have newly-aquired coverage?
  • Do I really need UM/UIM coverage?
  • Should I have combined single limit or split liability limits?
  • How much liability insurance is required?
  • Does insurance cover damages from a DUI accident?
  • How much underlying liability do I need for an umbrella policy?
  • Do I need special endorsements for business use of my vehicle?
  • Does my insurance cover my expensive audio equipment?
  • Is upholstery damage covered by car insurance?
  • Can I get a multi-policy discount?

If you’re not sure about those questions, then you may want to think about talking to an insurance agent. To find lower rates from a local agent, fill out this quick form or go to this page to view a list of companies.

Advertising myths

Insurance providers like 21st Century, Allstate and State Farm endlessly run ads in print and on television. They all seem to advertise claims about saving some big amount if you change your policy. How does every company sell you cheaper insurance coverage? You have to listen carefully.

All companies give the best rates for the right customer that is profitable for them. A good example of a driver they prefer should be over the age of 45, has a clear driving record, and drives a car with an anti-theft system. Anyone that matches those criteria will get very good prices and most likely will save a lot if they switch.

Potential insureds who fall outside those criteria will get a higher rate and this results in the customer buying from a different company. If you listen to the ad wording, they say “drivers who switch” not “everybody who quotes” save that kind of money. That is how companies can make the claims of big savings.

This really drives home the point why you really need to do a quote comparison often. Because without a comparison, you cannot know the company that will have the best prices at this point in time.

Car insurance coverages explained

Having a good grasp of a car insurance policy helps when choosing the right coverages and proper limits and deductibles. Policy terminology can be confusing and even agents have difficulty translating policy wording. Shown next are the usual coverages found on most car insurance policies.

Medical payments and PIP coverage

Med pay and PIP coverage kick in for bills like prosthetic devices, doctor visits and ambulance fees. They can be utilized in addition to your health insurance program or if you lack health insurance entirely. It covers you and your occupants in addition to any family member struck as a pedestrian. Personal Injury Protection is not an option in every state and may carry a deductible

Auto liability insurance

Liability coverage will cover damage that occurs to a person or their property. This insurance protects YOU against claims from other people. It does not cover your injuries or vehicle damage.

Liability coverage has three limits: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You commonly see limits of 25/50/25 that translate to a $25,000 limit per person for injuries, a per accident bodily injury limit of $50,000, and a limit of $25,000 paid for damaged property. Some companies may use one number which is a combined single limit which limits claims to one amount and claims can be made without the split limit restrictions.

Liability coverage pays for claims like emergency aid, legal defense fees, structural damage and repair costs for stationary objects. How much liability should you purchase? That is your choice, but buy as large an amount as possible.

Auto collision coverage

This coverage pays for damage to your Avalon caused by collision with another vehicle or an object, but not an animal. You have to pay a deductible then your collision coverage will kick in.

Collision coverage pays for claims such as hitting a parking meter, sustaining damage from a pot hole, damaging your car on a curb and driving through your garage door. Paying for collision coverage can be pricey, so you might think about dropping it from vehicles that are older. It’s also possible to increase the deductible to bring the cost down.

UM/UIM (Uninsured/Underinsured Motorist) coverage

Your UM/UIM coverage protects you and your vehicle’s occupants from other motorists when they either are underinsured or have no liability coverage at all. This coverage pays for medical payments for you and your occupants as well as your vehicle’s damage.

Since many drivers have only the minimum liability required by law, it only takes a small accident to exceed their coverage. For this reason, having high UM/UIM coverages is important protection for you and your family. Most of the time the UM/UIM limits are set the same as your liablity limits.

Comprehensive auto coverage

Comprehensive insurance pays to fix your vehicle from damage that is not covered by collision coverage. You need to pay your deductible first and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive can pay for things like hitting a bird, a broken windshield, a tree branch falling on your vehicle, rock chips in glass and hail damage. The maximum payout you can receive from a comprehensive claim is the cash value of the vehicle, so if it’s not worth much more than your deductible it’s not worth carrying full coverage.

You can do this!

While you’re price shopping online, don’t be tempted to buy less coverage just to save a little money. In many instances, drivers have reduced collision coverage and learned later that the small savings ended up costing them much more. The ultimate goal is to get the best coverage possible at the lowest possible cost and still be able to protect your assets.

In this article, we presented quite a bit of information on how to get a better price on 2016 Toyota Avalon insurance. The key concept to understand is the more companies you get premium rates for, the better your comparison will be. Drivers may discover the lowest priced car insurance comes from the smaller companies. These companies can often insure niche markets at a lower cost than the large multi-state companies such as State Farm, GEICO and Nationwide.

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