How to Get the Absolute Lowest Rates When Insuring a Toyota Yaris

Nobody I know looks forward to paying premiums for auto insurance, particularly when they could get a better deal. Due to the large number of options when it comes to auto insurance, it can be hard to find the lowest price insurance company.

Consumers should take time to take a look at other company’s rates yearly because prices change regularly. Despite the fact that you may have had the best deal on Yaris insurance a year ago you will most likely find a better premium rate today. There is a lot of wrong information about auto insurance out there, but I’m going to show you a lot of great tips on how to buy auto insurance cheaper.

All major auto insurance companies like Allstate and Progressive make it easy to get price estimates on their websites. Comparing prices online is possible for anyone because it’s just a matter of typing in the amount of coverage you want into the form. After you submit the form the company’s rating system pulls information on your driving record and credit history and gives you a price quote based on the data you entered. Quoting online makes it simple to compare prices but having to visit different websites and enter the same data into a form is repetitive and time-consuming. Unfortunately, it is important to perform this step in order to find better prices.

There is a better way!

The easiest way to find better auto insurance pricing uses one form that analyzes rates from many companies. It saves time, eliminates form submissions, and makes comparison shopping much more efficient. Immediately after you send the form, it gets priced and you can choose any one of the quotes returned. If the quotes result in lower rates, you can click and sign and buy the policy. It takes just a few minutes to complete and may save quite a bit of money.

To find out if lower rates are available, simply click here to open in new window and enter your vehicle and coverage information. If you have coverage now, it’s recommended you type in coverages and limits as close as possible to your current policy. This helps ensure you will have a price comparison based on similar coverages.

Cheaper auto insurance quotes with discounts

Auto insurance is not cheap nor is it fun to buy but you can get discounts to help offset the cost. Certain discounts will be triggered automatically at the time of quoting, but less common discounts must be inquired about before you will receive the discount. If you do not double check each discount you qualify for, you are paying more than you should be.

• Passive Restraint Discount – Vehicles equipped with air bags or automatic seat belts can qualify for discounts of 20% or more.
• Anti-lock Brake Discount – Cars, trucks, and SUVs with ABS and/or traction control can stop better under adverse conditions so you can save 10 percent or more.
• Accident Forgiveness – Not a discount per se, but companies like Liberty Mutual, Allstate and State Farm allow you one accident before raising your premiums so long as you are claim-free for a certain period of time.
• Early Payment Discounts – If paying your policy premium upfront instead of paying each month you may have a lower total premium amount.
• Policy Bundle Discount – When you combine your auto and homeowners insurance with one insurance company you could earn a discount of up to 20% and get you .
• Savings for New Vehicles – Buying a new car model may earn a small discount compared to insuring an older model.
• Telematics Devices – Insureds that choose to allow driving data collection to track their driving habits by using a telematics device such as In-Drive from State Farm or Allstate’s Drivewise system could see a rate decrease if they exhibit good driving behavior.
• Good Driver Discount – Insureds who avoid accidents may save up to 50% more on Yaris insurance than drivers with accident claims.

Don’t be shocked that some credits don’t apply to all coverage premiums. Some only reduce specific coverage prices like comp or med pay. Even though it appears it’s possible to get free car insurance, companies wouldn’t make money that way.

Car insurance companies that may offer policyholders most of the discounts above include:

• Progressive
• The Hartford
• Mercury Insurance
• GEICO
• AAA
• State Farm

Double check with each company or agent to apply every possible discount. Some credits might not be offered in your state. To see a list of providers who offer discounts, click here.

The Toyota Yaris Insurance Price Equation

Many things are used in the calculation when you get a price on insurance. Some are pretty understandable like a motor vehicle report, but some are not quite as obvious such as whether you are married or how safe your car is. The best way to find cheaper auto insurance is to take a look at some of the elements that help calculate your auto insurance rates. When consumers understand what positively or negatively impacts your premiums, this empowers consumers to make smart changes that could help you find lower premium levels.

The list below includes a few of the things used by insurance companies to determine prices.

• Vehicles with better crash test results are cheaper to insure – Safer cars can get you lower premiums. Vehicles engineered for safety have better occupant injury protection and any reduction in injury severity means your insurance company pays less passed on to you as lower rates.
• Avoid unnecessary extra coverages – Insurance companies have many additional coverages that can add up but may not be useful. Things like personal injury protection, better glass coverage, and membership fees may not be needed and are just wasting money. They may sound like good ideas when deciding what coverages you need, but your money might be better spent on other coverage so remove them and pocket the money.
• Rates go up with performance – The make and model of the vehicle you own makes a substantial difference in how high your rates are. The cheapest rates are usually found on lower cost passenger cars, but there are many factors that impact the final cost. Because the Toyota Yaris is considered a compact car, rates will be the same to a little lower when compared to the average rates.
• Combine policies and save money – Most insurance companies give lower prices to policyholders who have multiple policies with them, otherwise known as a multi-policy discount. The amount of the discounts can be 10 percent or more. Even with this discount, you may still want to get quotes from other companies to guarantee you are still saving the most.There is a good possibility that you can save money by splitting coverages up.
• Teenage driver insurance prices – Older drivers are proven to be safer behind the wheel, tend to file fewer claims and receive fewer citations.Inexperience drivers tend to be careless and easily distracted with other occupants in the car so auto insurance rates are higher.
• Increase comp and collision deductibles and save – Comprehensive and collision coverage deductibles state the amount of money you are required to pay if a covered claim is submitted. Physical damage insurance, also called comprehensive and collision insurance, covers damage that occurs to your car. Examples of some claims that would be covered are collision with another vehicle, collision with a deer, or theft of your vehicle. The more damage repair cost you have to pay, the lower your rates will be on Yaris insurance.
• Men drivers tend to cost more – Statistics demonstrate women are more cautious behind the wheel. It does not mean men are WORSE drivers than women. Women and men are in at-fault accidents at a similar rate, but the males tend to have higher claims. Not only are claims higher, but men get cited for more serious violations such as DWI and reckless driving.

Cheaper auto insurance rates are out there

As you , you should never sacrifice coverage to reduce premiums. There have been many cases where someone dropped full coverage to discover at claim time that the savings was not a smart move. The proper strategy is to buy a smart amount of coverage at the best price, not the least amount of coverage.

Budget-conscious Toyota Yaris insurance can be found online and from local insurance agents, and you need to comparison shop both to have the best rate selection. Some insurance providers may not provide the ability to get a quote online and many times these small insurance companies provide coverage only through independent insurance agents.