1990 Toyota Corolla Car Insurance Rates – 6 Tips for Cheaper Quotes

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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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Locating low-cost insurance for a Toyota Corolla can be an all-consuming task, but you can learn our auto insurance buying tips to find lower rates. There are more efficient ways to compare auto insurance rates so you’re going to learn the quickest way to compare rates for your Toyota and obtain the cheapest rates from both online companies and local agents.

It’s a good idea to check auto insurance prices quite often because prices are variable and change quite frequently. Just because you found the lowest price on Corolla coverage last year there is a good chance you can find better rates now. You can find a lot of wrong information about auto insurance online but I’m going to show you some of the best ways to reduce your auto insurance bill.

If you are insured now or need a new policy, you will benefit by learning to get lower rates and still get good coverage. Locating the best protection is quite easy. Vehicle owners just need to learn how to get comparison quotes online.

How to Compare Auto Insurance

Lowering your 1990 Toyota Corolla auto insurance rates is not rocket science. You just need to take a few minutes comparing rates online from several insurance companies. This can be accomplished in a couple of different ways.

  • The first (and easiest) way consumers can make multiple comparisons is a comparison rater form (click to open form in new window). This type of form keeps you from doing repetitive form submissions for each company you want a rate for. Completing one form gets rate comparisons from several companies. Recommended for those who want to invest the least amount of time.
  • Another way to obtain and compare quotes online consists of going to each company’s website and complete a new quote form. For instance, we’ll assume you want to compare rates from State Farm, Allstate and GEICO. To get each rate you have to go to every website to input your insurance information, which is why the first method is more popular.

    For a handy list of car insurance company links in your area, click here.

  • The most time-consuming way of getting rate comparisons is to waste gas driving to different agent offices. Buying insurance online can eliminate the need for a local agent unless you prefer the professional advice that only a license agent can provide. Drivers can compare online quotes and still use a local agent. We’ll cover that shortly.

It’s your choice how you get your quotes, but make sure you use identical coverage information for every company. If the quotes have different limits and deductibles on each one then you won’t be able to truly determine the lowest rate.

How to save on Toyota Corolla insurance

Companies that sell car insurance don’t necessarily list all their discounts in a way that’s easy to find, so we researched some of the best known as well as the least known insurance savings. If you aren’t receiving every discount possible, you’re paying more than you need to.

  • Passive Restraints and Air Bags – Vehicles equipped with air bags or motorized seat belts can receive discounts of more than 20%.
  • Discount for Life Insurance – Some companies give a break if you buy a life insurance policy as well.
  • Seat Belts Save more than Lives – Drivers who require all occupants to buckle their seat belts can save up to 15% on the medical payments or PIP coverage costs.
  • Multiple Vehicles – Having multiple vehicles with the same company may reduce the rate for each vehicle.
  • Sign Online – A handful of insurance companies may give you up to $50 simply for signing online.
  • Military Discounts – Being deployed with a military unit could be rewarded with lower premiums.

As a disclaimer on discounts, most of the big mark downs will not be given to the overall cost of the policy. Most only cut specific coverage prices like collision or personal injury protection. Just because it seems like all those discounts means the company will pay you, companies don’t profit that way.

Car insurance companies that possibly offer these discounts are:

It’s a good idea to ask all companies you are considering which discounts you may be entitled to. Some discounts may not be available in every state.

Tailor your coverage to you

When buying the best car insurance coverage, there isn’t really a cookie cutter policy. Everyone’s situation is unique.

For instance, these questions can aid in determining whether or not you could use an agent’s help.

  • Am I getting all the discounts available?
  • When would I need additional glass coverage?
  • Where can I get insurance after a DUI in my state?
  • Does my insurance cover my expensive audio equipment?
  • Do I have coverage if my license is suspended?
  • How do I file an SR-22 for a DUI in my state?

If you don’t know the answers to these questions but one or more may apply to you then you might want to talk to a licensed insurance agent. If you don’t have a local agent, simply complete this short form. It’s fast, free and can provide invaluable advice.

Auto insurance coverage information

Learning about specific coverages of auto insurance helps when choosing which coverages you need and proper limits and deductibles. Auto insurance terms can be difficult to understand and even agents have difficulty translating policy wording.

Collision coverage protection

Collision insurance pays to fix your vehicle from damage caused by collision with a stationary object or other vehicle. You first must pay a deductible and then insurance will cover the remainder.

Collision coverage pays for things such as crashing into a ditch, colliding with another moving vehicle and scraping a guard rail. This coverage can be expensive, so you might think about dropping it from older vehicles. Another option is to choose a higher deductible to get cheaper collision coverage.

Liability

Liability insurance can cover damage or injury you incur to people or other property in an accident. It consists of three limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You might see limits of 100/300/100 that translate to a $100,000 limit per person for injuries, a per accident bodily injury limit of $300,000, and property damage coverage for $100,000.

Liability coverage protects against claims like loss of income, pain and suffering, repair costs for stationary objects, bail bonds and medical expenses. The amount of liability coverage you purchase is your choice, but buy higher limits if possible.

Comprehensive or Other Than Collision

Comprehensive insurance coverage will pay to fix damage caused by mother nature, theft, vandalism and other events. You first have to pay a deductible and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive coverage protects against things such as hitting a bird, a broken windshield, theft, hail damage and damage from flooding. The maximum payout your auto insurance company will pay is the cash value of the vehicle, so if your deductible is as high as the vehicle’s value it’s not worth carrying full coverage.

Medical costs insurance

Personal Injury Protection (PIP) and medical payments coverage kick in for bills for things like prosthetic devices, pain medications, nursing services and EMT expenses. They are used to fill the gap from your health insurance policy or if you do not have health coverage. Medical payments and PIP cover you and your occupants as well as being hit by a car walking across the street. PIP coverage is only offered in select states but it provides additional coverages not offered by medical payments coverage

UM/UIM Coverage

Uninsured or Underinsured Motorist coverage protects you and your vehicle’s occupants when the “other guys” do not carry enough liability coverage. Covered losses include injuries to you and your family as well as damage to your Toyota Corolla.

Because many people only carry the minimum required liability limits, their limits can quickly be used up. That’s why carrying high Uninsured/Underinsured Motorist coverage is very important.

At the end of the day…

Budget-conscious 1990 Toyota Corolla insurance can be purchased from both online companies as well as from independent agents, and you should be comparing both so you have a total pricing picture. Some companies don’t offer online price quotes and most of the time these smaller companies sell through independent agents.

People leave their current company for many reasons like policy cancellation, delays in paying claims, an unsatisfactory settlement offer or even extreme rates for teen drivers. Regardless of your reason for switching companies, finding a new auto insurance company is pretty easy and you might even save some money in the process.

When you buy insurance online, do not buy less coverage just to save a little money. There are many occasions where drivers have reduced comprehensive coverage or liability limits only to find out that it was a big error on their part. Your strategy should be to get the best coverage possible at a price you can afford.

To read more, feel free to browse the following helpful articles:

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