1994 Toyota Corolla Insurance Quotes – 9 Policy Discounts

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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: Jun 12, 2015

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Are you overwhelmed by the crazy number of insurance coverage options? You have a lot of company. Consumers have so many options that it can turn into a ton of work to locate the lowest price.

It’s a great practice to compare prices quite often since insurance rates change frequently. Just because you had the best rates for Corolla coverage a few years ago you can probably find a lower rate today. Block out anything you think you know about insurance coverage because you’re about to find out the quickest way to find better coverage at a better price.

The purpose of this article is to teach you how to get online quotes. If you currently have a car insurance policy, you stand a good chance to be able to lower your premiums substantially using these tips. Although car owners need to have an understanding of how big insurance companies sell online and take advantage of how the system works.

How to Buy Car Insurance Online

Most companies such as Progressive, GEICO, Allstate and State Farm give coverage price quotes on their websites. The process is quite simple as you simply type in the coverage amounts you desire as detailed in the form. After you submit the form the company’s rating system will obtain reports for credit and driving violations and quotes a price.

Quoting online makes it a lot easier to compare rates but the work required to visit several different sites and enter the same data into a form is monotonous and tiresome. But it’s very important to do this if you want to find the lowest possible prices on car insurance.

A less time-consuming method to find better car insurance pricing makes use of a single form to get prices from more than one company. This type of form saves time, eliminates repetitive work, and makes online shopping a little more enjoyable. Immediately after you send the form, it is rated and you can choose any or none of the quotes returned.

If you find a better price you simply finish the application and buy the new coverage. The whole process can be completed in a matter of minutes and can result in significant savings.

To compare rates now, simply click here to open in new window and enter your information. If you have your current policy handy, we recommend you input the coverages identical to your current policy. This guarantees you will get rate comparison quotes using the exact same coverages.

Tailor your coverage to you

When buying proper insurance coverage, there really is not a single plan that fits everyone. Every situation is different.

Here are some questions about coverages that could help you determine if you would benefit from an agent’s advice.

  • I don’t drive much so do I pay less?
  • Does my car insurance cover rental cars?
  • Is my nanny covered when driving my vehicle?
  • I have a DUI can I still get coverage?
  • Is my Toyota Corolla covered if I use it for business?
  • Should I bundle my homeowners policy with my auto?
  • Exactly who is provided coverage by my policy?
  • Is my dog or cat covered if injured in an accident?

If you can’t answer these questions but you know they apply to you then you might want to talk to an agent. If you don’t have a local agent, take a second and complete this form.

Specific coverages for a Toyota Corolla

Understanding the coverages of your car insurance policy can be of help when determining the right coverages and the correct deductibles and limits. Policy terminology can be confusing and even agents have difficulty translating policy wording.

Comprehensive auto coverage – Comprehensive insurance will pay to fix damage from a wide range of events other than collision. You first have to pay a deductible then your comprehensive coverage will pay.

Comprehensive insurance covers things such as fire damage, hitting a bird and damage from getting keyed. The highest amount a car insurance company will pay at claim time is the cash value of the vehicle, so if your deductible is as high as the vehicle’s value consider removing comprehensive coverage.

Liability auto insurance – Liability coverage will cover damage or injury you incur to a person or their property by causing an accident. It protects you from claims by other people, and does not provide coverage for 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. You might see policy limits of 25/50/25 that means you have a $25,000 limit per person for injuries, a total of $50,000 of bodily injury coverage per accident, and a limit of $25,000 paid for damaged property. Alternatively, you may have one number which is a combined single limit that pays claims from the same limit rather than limiting it on a per person basis.

Liability coverage protects against claims like loss of income, emergency aid and pain and suffering. The amount of liability coverage you purchase is a decision to put some thought into, but buy higher limits if possible.

Medical payments and PIP coverage – Medical payments and Personal Injury Protection insurance reimburse you for immediate expenses such as doctor visits, chiropractic care and EMT expenses. They are used in conjunction with a health insurance plan or if you do not have health coverage. It covers not only the driver but also the vehicle occupants and also covers any family member struck as a pedestrian. Personal injury protection coverage is not universally available but it provides additional coverages not offered by medical payments coverage

UM/UIM (Uninsured/Underinsured Motorist) coverage – This protects you and your vehicle’s occupants when other motorists do not carry enough liability coverage. It can pay for medical payments for you and your occupants as well as damage to your Toyota Corolla.

Since many drivers only carry the minimum required liability limits, it only takes a small accident to exceed their coverage. So UM/UIM coverage should not be overlooked. Frequently the UM/UIM limits are set the same as your liablity limits.

Collision – This pays to fix your vehicle from damage resulting from a collision with a stationary object or other vehicle. A deductible applies and then insurance will cover the remainder.

Collision coverage pays for things such as hitting a parking meter, scraping a guard rail and hitting a mailbox. This coverage can be expensive, so you might think about dropping it from vehicles that are older. Another option is to increase the deductible to get cheaper collision coverage.

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