1999 Toyota Corolla Insurance Rates

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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 the cheapest insurance rates? Buyers have a choice when searching for the best price on Toyota Corolla insurance. You can either spend your time calling around to get rate comparisons or use the internet to get rate quotes.

There is a better way to shop for insurance so we’re going to tell you the proper way to price shop coverage for a Toyota and find the lowest possible price from local insurance agents and online providers.

Why you might be paying too much to insure your Toyota Corolla

Consumers need to have an understanding of some of the elements that come into play when calculating auto insurance rates. Knowing what impacts premium levels allows you to make educated decisions that could result in lower auto insurance prices.

The list below includes some of the factors companies use to determine premiums.

  • Pay less after the wedding – Having a spouse can get you a discount on auto insurance. Marriage usually means you are more mature than a single person and it’s proven that married couples file fewer claims.
  • Liability insurance protects assets – Your policy’s liability coverage is the protection when you are found to be at fault for damages from an accident. It will provide legal defense coverage which can be incredibly expensive. Liability insurance is quite affordable as compared to coverage for physical damage, so do not skimp.
  • Special features that cut premiums – Purchasing a vehicle with anti-theft technology or alarm system can help bring down rates. Anti-theft features like vehicle immobilizer systems, General Motors OnStar and LoJack tracking systems all aid in stopping your car from being stolen.
  • Battle of the sexes – Statistics have proven that women are safer drivers than men. That doesn’t necessarily mean that women are better drivers. They both cause accidents in similar percentages, but men cause more damage. Men also get more serious tickets such as DWI and reckless driving. Youthful male drivers are the most expensive to insure and therefore are the most expensive to insure.
  • Your credit rating is important – Having a bad credit history is a large factor in calculating your auto insurance rates. So if your credit history is not that good, you could be paying less to insure your 1999 Toyota Corolla by improving your rating. People with excellent credit tend to be more responsible than those with lower credit scores.
  • Lower rates come with age – Teen drivers tend to be more careless behind the wheel so auto insurance rates are higher. If you’ve ever had to add a teen driver to your auto insurance policy can be very expensive. Older drivers are viewed as being more responsible, statistically cause fewer accidents and tend to be better behind the wheel.
  • Your job and insurance rates – Occupations like lawyers, architects and accountants tend to have higher rates than average attributed to job stress and lengthy work days. On the flip side, occupations such as pilots, athletes and the unemployed receive lower rates for Corolla coverage.
  • Safer occupants lowers premiums – Cars with high safety ratings tend to have better insurance rates. The safest vehicles reduce injuries and fewer injuries means less money paid by your insurance company and more competitive rates for policyholders. If your Toyota Corolla is rated at least an “acceptable” rating on the Insurance Institute for Highway Safety website it may be receiving lower rates.

These discounts can lower your rates

The price of auto insurance can be rather high, buy you may qualify for discounts that you may not know about. Certain discounts will be triggered automatically at the time of quoting, but lesser-known reductions have to be specially asked for prior to getting the savings. If they aren’t giving you every credit possible, you are paying more than you should be.

  • More Vehicles More Savings – Buying coverage for multiple cars or trucks on one policy qualifies for this discount.
  • New Car Discount – Buying coverage on a new vehicle can save up to 30% since new cars are generally safer.
  • Student Driver Training – Have your child successfully complete driver’s ed class in school.
  • Military Rewards – Having a deployed family member can result in better rates.
  • Memberships – Participating in certain professional organizations could qualify you for a break when shopping for insurance coverage for Corolla coverage.
  • Low Mileage Discounts – Low mileage vehicles can earn discounted rates on garaged vehicles.
  • Anti-theft System – Vehicles with anti-theft systems are stolen less frequently and will save you 10% or more.

Keep in mind that most credits do not apply the whole policy. The majority will only reduce the cost of specific coverages such as liability, collision or medical payments. So despite the fact that it appears having all the discounts means you get insurance for free, you’re out of luck. Any amount of discount will help reduce the cost of coverage.

To see a list of companies with the best insurance coverage discounts, click here to view.

Different people need different coverages

When choosing the best car insurance coverage for your vehicles, there really is not a best way to insure your cars. Everyone’s needs are different.

These are some specific questions could help you determine whether your personal situation would benefit from an agent’s advice.

  • Does my 1999 Toyota Corolla qualify for pleasure use?
  • How many claims can I have before being canceled?
  • What is an SR-22 filing?
  • How high should my medical payments coverage be?
  • Am I covered when pulling a rental trailer?
  • Does coverage extend to a rental car in a foreign country?
  • Am I covered if hit by an uninsured driver?
  • Do I pay less for low miles?

If you’re not sure about those questions, then you may want to think about talking to a licensed insurance agent. If you don’t have a local agent, complete this form. It’s fast, doesn’t cost anything and can provide invaluable advice.

Insurance policy specifics

Understanding the coverages of insurance aids in choosing the right coverages at the best deductibles and correct limits. Policy terminology can be ambiguous and even agents have difficulty translating policy wording.

Comprehensive or Other Than Collision

This pays to fix your vehicle from damage OTHER than collision with another vehicle or object. You first must pay your deductible and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive coverage protects against claims such as hitting a bird, vandalism, damage from flooding and fire damage. The highest amount your insurance company will pay is the market value of your vehicle, so if the vehicle is not worth much it’s not worth carrying full coverage.

UM/UIM Coverage

Uninsured or Underinsured Motorist coverage protects you and your vehicle when the “other guys” either are underinsured or have no liability coverage at all. It can pay for injuries to you and your family as well as your vehicle’s damage.

Since a lot of drivers have only the minimum liability required by law, it doesn’t take a major accident to exceed their coverage limits. That’s why carrying high Uninsured/Underinsured Motorist coverage is very important. Usually your uninsured/underinsured motorist coverages are identical to your policy’s liability coverage.

Auto liability insurance

This provides protection from damage that occurs to people or other property that is your fault. It protects you from claims by other people, and doesn’t cover your injuries or vehicle damage.

Coverage consists of three different limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You might see liability limits of 25/50/25 which means $25,000 in coverage for each person’s injuries, a limit of $50,000 in injury protection per accident, and a total limit of $25,000 for damage to vehicles and property. Alternatively, you may have a combined single limit or CSL which provides one coverage limit rather than limiting it on a per person basis.

Liability coverage protects against things like medical services, court costs, repair costs for stationary objects, pain and suffering and medical expenses. The amount of liability coverage you purchase is your choice, but buy as high a limit as you can afford.

Medical costs insurance

Med pay and PIP coverage kick in for expenses such as prosthetic devices, ambulance fees, dental work, funeral costs and chiropractic care. They are used in conjunction with a health insurance program or if you are not covered by health insurance. It covers you and your occupants and also covers if you are hit as a while walking down the street. PIP coverage is not an option in every state but it provides additional coverages not offered by medical payments coverage

Auto collision coverage

This coverage covers damage to your Corolla resulting from a collision with an object or car. You have to pay a deductible and the rest of the damage will be paid by collision coverage.

Collision insurance covers things like hitting a mailbox, crashing into a building, sustaining damage from a pot hole and crashing into a ditch. Collision is rather expensive coverage, so consider dropping it from vehicles that are 8 years or older. You can also raise the deductible to bring the cost down.

Best coverage at the best price

Lower-priced 1999 Toyota Corolla insurance can be found online as well as from independent agents, so compare prices from both in order to have the best chance of saving money. There are still a few companies who don’t offer online quoting and most of the time these smaller companies sell through independent agents.

As you prepare to switch companies, make sure you don’t reduce coverage to reduce premium. There have been many cases where someone dropped full coverage only to regret at claim time that they should have had better coverage. Your strategy should be to get the best coverage possible at the best price while not skimping on critical coverages.

Consumers switch companies for a variety of reasons including lack of trust in their agent, an unsatisfactory settlement offer, unfair underwriting practices and policy non-renewal. It doesn’t matter why you want to switch finding a great new company is less work than it seems.

Much more information about car insurance is available on the following sites:

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