1990 Toyota Celica Car Insurance Cost – 8 Tips for Best Prices

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Jeffrey Johnson graduated summa cum laude from the University of Baltimore School of Law and has worked in legal offices and nonprofits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman University and worked in film, education, and publishing. His professional writing has appeared on sites like The Manifest and Vice, and he is the author of a novel ...

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Written by Jeffrey Johnson
Insurance Lawyer Jeffrey Johnson

UPDATED: May 12, 2022

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Trying to find better car insurance rates for your Toyota Celica? Expensive car insurance can take a big chunk out of your savings account and make it impossible to make ends meet. Comparison shopping is free, only takes a few minutes, and is a good way to cut your insurance bill. You have multiple insurance companies to insure vehicles with, and even though it’s nice to have a selection, having more auto insurance companies makes it harder to find the lowest rates.

It is always a good idea to get comparison quotes at least once a year because insurance rates change regularly. Despite the fact that you may have had the lowest price for Celica insurance two years ago there is a good chance you can find better rates now. Forget anything you know (or think you know) about car insurance because I’m going to let you in on the secrets to the fastest and easiest way to find great coverage at a great price.

How to Get Car Insurance Comparison Quotes

Finding a better price on car insurance can be relatively painless. Just spend a few minutes on the computer comparing price quotes provided by online insurance companies. This can be done in a couple of different ways.

One of the best ways to get quotes is an all-inclusive rate comparison like this one (opens in new window). This type of form eliminates the need for repetitive form entry for each company you want a rate for. A single, simple form will return quotes from several companies.

A less efficient way to shop for car insurance online requires you to visit each company website to complete their respective quote request forms. For sake of this example, let’s say you want rates from Liberty Mutual, GEICO and Allstate. You would have to go to every website to input your insurance information, and that’s why the first method is more popular. To view a list of companies in your area, click here.

The least efficient method of getting rate comparisons is driving around to insurance agents’ offices. Buying insurance online can eliminate the need for a local agent unless you require the professional advice of a local agent. It is possible to comparison shop online but buy from a local insurance agent and you’ll learn how to do that later.

It doesn’t matter which method you choose, just make darn sure you compare exactly the same deductibles and coverage limits for each comparison quote. If each company quotes unequal deductibles or liability limits it will be very difficult to decipher which rate is best.

Do you qualify for these eight discounts?

Insurance can be prohibitively expensive, but you can get discounts to help bring down the price. Larger premium reductions will be automatically applied at the time of quoting, but a few must be specifically requested before you get the savings. If you don’t get every credit you deserve, you’re paying more than you need to.

  • Drive Safe and Save – Insureds without accidents can get discounts for up to 45% lower rates for Celica insurance than drivers with accident claims.
  • Low Mileage – Keeping the miles down on your Toyota can qualify you for a substantially lower rate.
  • Driver Safety – Taking a driver safety course could possibly earn you a 5% discount if you qualify.
  • Anti-lock Brake Discount – Anti-lock brake equipped vehicles can reduce accidents and qualify for as much as a 10% discount.
  • Seat Belts Save more than Lives – Buckling up and requiring all passengers to use a seat belt could save 15% off your medical payments premium.
  • Good Student Discount – A discount for being a good student can be rewarded with saving of up to 25%. The discount lasts up until you turn 25.
  • Bundle and Save – If you have multiple policies with one company you will save at least 10% off all policies.
  • Club Memberships – Belonging to a qualifying organization may earn a discount on your policy for Celica insurance.

Keep in mind that most credits do not apply to all coverage premiums. Most only reduce specific coverage prices like comprehensive or collision. So when the math indicates you could get a free auto insurance policy, companies don’t profit that way. Any amount of discount will help reduce your premiums.

For a list of providers who offer auto insurance discounts, follow this link.

Don’t assume everyone needs the same coverage

When it comes to buying proper insurance coverage for your vehicles, there really is not a one size fits all plan. Every situation is different so your insurance should reflect that These are some specific questions may help you determine whether or not you would benefit from an agent’s advice.

  • Do I have coverage when making deliveries for my home business?
  • Is my dog or cat covered if injured in an accident?
  • Do I benefit by insuring my home with the same company?
  • I have health insurance so do I need medical payments coverage?
  • Does coverage extend to my business vehicle?
  • Will filing a claim cost me more?

If you can’t answer these questions but one or more may apply to you, you might consider talking to a licensed insurance agent. If you want to speak to an agent in your area, fill out this quick form or you can go here for a list of companies in your area. It’s fast, free and may give you better protection.

Information about specific coverages

Knowing the specifics of car insurance helps when choosing the right coverages and proper limits and deductibles. Policy terminology can be confusing and even agents have difficulty translating policy wording. These are typical coverages found on the average car insurance policy.

Collision coverage

This coverage pays to fix your vehicle from damage resulting from a collision with a stationary object or other vehicle. You will need to pay your deductible then your collision coverage will kick in.

Collision coverage pays for things such as crashing into a ditch, colliding with another moving vehicle, sustaining damage from a pot hole, driving through your garage door and crashing into a building. This coverage can be expensive, so consider dropping it from lower value vehicles. Another option is to bump up the deductible to bring the cost down.

Uninsured or underinsured coverage

This protects you and your vehicle’s occupants when other motorists either are underinsured or have no liability coverage at all. Covered losses include hospital bills for your injuries as well as your vehicle’s damage.

Due to the fact that many drivers only carry the minimum required liability limits, it doesn’t take a major accident to exceed their coverage limits. This is the reason having UM/UIM coverage is very important. Frequently the UM/UIM limits are identical to your policy’s liability coverage.

Comprehensive protection

This pays for damage that is not covered by collision coverage. You first have to pay a deductible and then insurance will cover the rest of the damage.

Comprehensive coverage pays for things like a tree branch falling on your vehicle, vandalism and damage from flooding. The most your car insurance company will pay is the market value of your vehicle, so if it’s not worth much more than your deductible consider dropping full coverage.

Liability

Liability coverage will cover injuries or damage you cause to other people or property by causing an accident. This insurance protects YOU from legal claims by others. Liability doesn’t cover damage to your own property or vehicle.

Split limit liability has three limits of coverage: bodily injury per person, bodily injury per accident and property damage. As an example, you may have policy limits of 25/50/25 that means you have a limit of $25,000 per injured person, a total of $50,000 of bodily injury coverage per accident, and a limit of $25,000 paid for damaged property. Another option is one number which is a combined single limit which combines the three limits into one amount without having the split limit caps.

Liability insurance covers claims such as emergency aid, funeral expenses, bail bonds, loss of income and pain and suffering. How much coverage you buy is a decision to put some thought into, but it’s cheap coverage so purchase as large an amount as possible.

Medical expense coverage

Coverage for medical payments and/or PIP kick in for short-term medical expenses for things like surgery, rehabilitation expenses, EMT expenses, prosthetic devices and chiropractic care. They can be utilized in addition to your health insurance plan or if there is no health insurance coverage. Medical payments and PIP cover not only the driver but also the vehicle occupants and also covers getting struck while a pedestrian. PIP coverage is not available in all states and may carry a deductible

One last thing

When buying insurance coverage, do not buy lower coverage limits just to save a few bucks. There are a lot of situations where someone dropped physical damage coverage and discovered at claim time that the small savings ended up costing them much more. Your focus should be to buy the best coverage you can find at an affordable rate while still protecting your assets.

Cheap 1990 Toyota Celica insurance can be found on the web and also from your neighborhood agents, and you need to price shop both in order to have the best chance of saving money. Some insurance companies may not provide online quoting and many times these small, regional companies only sell through independent insurance agents.

More tips and info about insurance coverage can be found by following these links:

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