Cheapest 1991 Toyota Celica Insurance Rates in 2023

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Jeffrey Johnson

Insurance Lawyer

Jeffrey Johnson is a legal writer with a focus on personal injury. He has worked on personal injury and sovereign immunity litigation in addition to experience in family, estate, and criminal law. He earned a J.D. from the University of Baltimore and has worked in legal offices and non-profits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman Univer...

Insurance Lawyer

UPDATED: May 28, 2023

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Consumers have a choice when looking for affordable Toyota Celica insurance. They can either waste time driving around trying to get quotes or use the internet to compare rates.

There are both good and bad ways to find insurance online so you’re going to learn the absolute fastest way to get price quotes on a Toyota and find the best price possible either online or from local insurance agents.

Compare Quotes for Insurance

Getting better 1991 Toyota Celica insurance pricing doesn’t have to be difficult. Drivers just need to take the time getting comparison quotes online with multiple companies. This can be accomplished in just a few minutes using one of these methods.

  1. The first (and easiest) way to compare a lot of rates at once would be an industry-wide quote request form like this one (opens in new window). This type of form saves time by eliminating repetitive form entry for each company you want a rate for. In just a few minutes this one form gets you price quotes from multiple companies. This is by far the quickest method.
  2. A less efficient way to get comparison quotes consists of visiting each individual company website to request a price quote. For example, we’ll assume you want to compare rates from Farmers, 21st Century and State Farm. To get rate quotes you would need to spend time on each company’s site and enter your information, which is why the first method is quicker. For a handy list of car insurance company links in your area, click here.
  3. The least recommended method of getting rate comparisons is driving to insurance agents’ offices. The internet can eliminate the need for a local agent unless you have a need for the personal advice only provided by licensed agents. Drivers can find lower rates online but still have the advice of a local agent and we’ll cover that in a bit.

It doesn’t matter which method you choose, just be sure to compare the exact same information for each comparison quote. If you have different deductibles it will be impossible to truly determine the lowest rate.

Do I just need basic coverages?

When buying adequate coverage for your vehicles, there isn’t really a single plan that fits everyone. Every insured’s situation is different.

These are some specific questions could help you determine whether your personal situation would benefit from professional advice.

  • Can my babysitter drive my car?
  • Why am I be forced to buy a membership to get insurance from some companies?
  • Should I file a claim if it’s only slightly more than my deductible?
  • Why do I only qualify for high-risk insurance?
  • Is rental equipment covered for theft or damage?
  • Are my friends covered when driving my car?
  • When should I buy a commercial auto policy?
  • Does my insurance cover my expensive audio equipment?

If it’s difficult to answer those questions but you know they apply to you, you might consider talking to a licensed insurance agent. If you want to speak to an agent in your area, complete this form. It’s fast, doesn’t cost anything and can help protect your family.

Insurance coverage specifics

Understanding the coverages of your policy can help you determine the best coverages for your vehicles. Policy terminology can be impossible to understand and reading a policy is terribly boring.

Comprehensive protection – This coverage covers damage OTHER than collision with another vehicle or object. A deductible will apply then your comprehensive coverage will pay.

Comprehensive can pay for things like a broken windshield, a tree branch falling on your vehicle, rock chips in glass and fire damage. The highest amount a insurance company will pay at claim time is the actual cash value, so if it’s not worth much more than your deductible consider removing comprehensive coverage.

Medical expense coverage – Personal Injury Protection (PIP) and medical payments coverage provide coverage for immediate expenses like surgery, funeral costs, dental work, ambulance fees and doctor visits. The coverages can be used in conjunction with a health insurance policy or if you are not covered by health insurance. They cover you and your occupants and also covers being hit by a car walking across the street. PIP is not universally available but can be used in place of medical payments coverage

Collision coverages – This will pay to fix damage to your Celica resulting from a collision with another vehicle or an object, but not an animal. You have to pay a deductible and then insurance will cover the remainder.

Collision insurance covers things like backing into a parked car, hitting a parking meter, colliding with another moving vehicle, colliding with a tree and damaging your car on a curb. Collision is rather expensive coverage, so analyze the benefit of dropping coverage from vehicles that are older. You can also raise the deductible in order to get cheaper collision rates.

Auto liability – Liability coverage protects you from damage or injury you incur to other’s property or people by causing an accident. This coverage protects you from claims by other people. Liability doesn’t cover your own vehicle damage or injuries.

Split limit liability has three limits of coverage: bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. As an example, you may have policy limits of 50/100/50 which means a limit of $50,000 per injured person, $100,000 for the entire accident, and a limit of $50,000 paid for damaged property. Occasionally you may see one limit called combined single limit (CSL) that pays claims from the same limit rather than limiting it on a per person basis.

Liability coverage pays for claims like structural damage, emergency aid, pain and suffering, medical expenses and legal defense fees. How much liability should you purchase? That is a personal decision, but it’s cheap coverage so purchase as large an amount as possible.

Uninsured or underinsured coverage – Uninsured or Underinsured Motorist coverage gives you protection from other drivers when they either have no liability insurance or not enough. Covered claims include injuries to you and your family and also any damage incurred to your Toyota Celica.

Because many people only purchase the least amount of liability that is required, their limits can quickly be used up. That’s why carrying high Uninsured/Underinsured Motorist coverage is a good idea. Usually these coverages do not exceed the liability coverage limits.

Frequently Asked Questions

How can I find the cheapest insurance for my 1991 Toyota Celica?

To find the cheapest insurance for your 1991 Toyota Celica, consider the following steps:

  • Compare quotes: Obtain quotes from multiple insurance providers to compare prices and coverage options. Insurance comparison websites or contacting insurance agents directly can help you with this process.
  • Evaluate coverage options: While seeking affordability, make sure you understand the coverage each policy offers. Ensure that the policy meets your specific needs and provides adequate protection.
  • Consider deductibles: Adjusting your deductible amount can impact your insurance premium. A higher deductible typically leads to lower premiums, but it also means you’ll have to pay more out of pocket in the event of a claim.
  • Explore discounts: Inquire about any available discounts that you may be eligible for. Some common discounts include safe driver discounts, multi-policy discounts, and low mileage discounts.
  • Maintain a good driving record: A clean driving record demonstrates responsible driving behavior and can help you secure lower insurance rates.

Are there any specific factors that affect the insurance rates for a 1991 Toyota Celica?

Yes, several factors can influence the insurance rates for a 1991 Toyota Celica, including:

  • Vehicle age: Older vehicles generally have lower insurance rates due to their reduced market value.
  • Vehicle value: The market value of your 1991 Toyota Celica affects the cost of insurance. Higher-value vehicles typically have higher insurance premiums.
  • Repair costs: If the repair costs for a 1991 Toyota Celica are high, it may result in higher insurance rates.
  • Safety features: The presence of safety features, such as anti-lock brakes, airbags, and anti-theft devices, can lower insurance rates.
  • Driving history: Your driving record and claims history play a significant role in determining insurance rates. Accidents, tickets, or previous claims can increase your premiums.
  • Location: The area where you live can impact insurance rates. High-traffic areas or regions with higher rates of car theft may result in higher premiums.
  • Insurance provider: Different insurance companies may offer varying rates and discounts for the same vehicle, so it’s crucial to compare quotes from multiple providers.

Are there any specific insurance options that might be suitable for a 1991 Toyota Celica?

When insuring a 1991 Toyota Celica, consider the following insurance options:

  • Liability coverage: This coverage is typically required by law and helps pay for damages and injuries caused to others in an accident where you are at fault.
  • Collision coverage: Collision coverage pays for damages to your vehicle in the event of an accident, regardless of fault.
  • Comprehensive coverage: Comprehensive coverage protects your vehicle from non-collision-related damages, such as theft, vandalism, fire, or natural disasters.
  • Uninsured/underinsured motorist coverage: This coverage helps protect you if you’re involved in an accident with a driver who doesn’t have insurance or has insufficient coverage.
  • Personal injury protection (PIP): PIP coverage pays for medical expenses and other related costs resulting from injuries sustained in an accident, regardless of fault.

Are there any additional tips to save money on insurance for a 1991 Toyota Celica?

Yes, here are some additional tips to save money on insurance for your 1991 Toyota Celica:

  • Bundle your policies: Consider combining your auto insurance with other policies, such as homeowner’s or renter’s insurance, to qualify for multi-policy discounts.
  • Maintain a good credit score: Insurance companies often consider credit history when determining rates, so maintaining a good credit score can help secure lower premiums.
  • Drive safely: Avoid traffic violations and accidents to maintain a clean driving record, which can lead to lower insurance rates.
  • Drive fewer miles: Some insurance companies offer discounts for drivers who have low annual mileage. If you don’t drive your Celica extensively, inquire about potential discounts.
  • Increase your deductible: If you can afford a higher deductible, increasing it can lower your premium. However, ensure you have sufficient funds to cover the deductible in case of a claim.
  • Ask about loyalty discounts: If you’ve been with the same insurance company for an extended period, inquire about loyalty discounts that may be available.

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