How Much Does 1998 Toyota Sienna Car Insurance Cost?

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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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Have you had enough of trying to scrape together enough money to buy car insurance? You’re in the same situation as millions of other consumers.

There is such a variety of car insurance companies to pick from, and although it’s a good thing to be able to choose, so many choices can make it hard to compare rates and cut insurance costs.

It is always a good idea to compare rates periodically due to the fact that insurance rates are rarely the same from one policy term to another. Just because you had the best deal for Sienna insurance six months ago you will most likely find a better rate today. Forget all the misinformation about insurance because you’re about to find out the best methods to reduce your cost while improving coverage.

Choosing the best insurance company for you is not that difficult. Basically, everyone who has to buy insurance coverage will more than likely be able to find better rates. But vehicle owners benefit from understanding how companies price online insurance and use this information to your advantage.

The most recommended method to compare rates is to know most of the larger companies participate in a system to quote your coverage. To begin a comparison, all you need to do is give the companies some data like how much coverage you want, which vehicles you own, whether or not you need a SR-22, and whether you are single or married. Those rating factors gets transmitted to multiple auto insurance providers and they provide comparison quotes within a short period of time.

To start a quote now, click here and complete the quick form.

What coverages do I need?

When choosing adequate coverage, there is no perfect coverage plan. Each situation is unique and your policy should reflect that. For instance, these questions may help highlight if you could use an agent’s help.

  • Is pleasure use cheaper than using my 1998 Toyota Sienna to commute?
  • Is my custom paint covered by insurance?
  • Am I covered when using my vehicle for business?
  • Should I get collision insurance on every vehicle?
  • Is my nanny covered when driving my vehicle?
  • Am I covered when driving someone else’s vehicle?

If you’re not sure about those questions, then you may want to think about 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.

Auto insurance coverages and their meanings

Having a good grasp of your auto insurance policy can help you determine appropriate coverage and proper limits and deductibles. The terms used in a policy can be confusing and nobody wants to actually read their policy. These are typical coverage types found on most auto insurance policies.

Uninsured and underinsured coverage – Uninsured or Underinsured Motorist coverage provides protection from other motorists when they either have no liability insurance or not enough. It can pay for injuries sustained by your vehicle’s occupants and also any damage incurred to your Toyota Sienna.

Since many drivers carry very low liability coverage limits, their limits can quickly be used up. For this reason, having high UM/UIM coverages is important protection for you and your family.

Liability – This coverage can cover damages or injuries you inflict on people or other property that is your fault. It protects YOU against other people’s claims. Liability doesn’t cover your own vehicle damage or injuries.

Coverage consists of three different limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. As an example, you may have values of 50/100/50 that means you have a limit of $50,000 per injured person, a per accident bodily injury limit of $100,000, and $50,000 of coverage for damaged property.

Liability insurance covers things such as structural damage, funeral expenses, attorney fees, repair bills for other people’s vehicles and medical expenses. How much liability coverage do you need? That is a personal decision, but it’s cheap coverage so purchase as large an amount as possible.

Coverage for medical payments – Med pay and PIP coverage provide coverage for immediate expenses such as hospital visits, EMT expenses, rehabilitation expenses and ambulance fees. They can be used in conjunction with a health insurance policy or if you lack health insurance entirely. It covers not only the driver but also the vehicle occupants in addition to if you are hit as a while walking down the street. PIP is not universally available and may carry a deductible

Collision coverage – This will pay to fix damage to your Sienna resulting from colliding with another vehicle or an object, but not an animal. A deductible applies and then insurance will cover the remainder.

Collision insurance covers claims such as hitting a parking meter, hitting a mailbox, sideswiping another vehicle, colliding with a tree and scraping a guard rail. Collision coverage makes up a good portion of your premium, so analyze the benefit of dropping coverage from vehicles that are 8 years or older. You can also increase the deductible in order to get cheaper collision rates.

Comprehensive coverages – Comprehensive insurance will pay to fix damage OTHER than collision with another vehicle or object. You first must pay your deductible and then insurance will cover the rest of the damage.

Comprehensive insurance covers claims such as damage from getting keyed, damage from a tornado or hurricane and vandalism. The most you’ll receive from a claim is the market value of your vehicle, so if the vehicle is not worth much consider dropping full coverage.

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