Compare 2003 Toyota Celica Car 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: Nov 23, 2017

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Shopping for affordable insurance coverage on the web is intimidating for consumers not familiar with buying insurance online. Because there are so many choices, how can anyone effectively compare every one to find the best pricing?

Buying car insurance is easy if you know what you’re doing. If you are paying for car insurance now, you stand a good chance to be able to lower your premiums substantially using this information. But consumers need to learn the way insurance companies price insurance differently because it can help you find the best coverage.

Free Quotes for Insurance Coverage

All the larger insurance coverage companies provide prices online. Getting online rates is pretty painless as you simply type in the coverages you want into a form. When complete, their rating system requests reports for credit and driving violations and provides a quote based on many factors.

Online quotes streamlines rate comparisons, but having to visit each company’s website and repetitively fill out multiple forms can get tiresome after awhile. But it is imperative to have as many quotes as possible if you are searching for the best price possible.

The smarter way to lower your rates is to use a quote form to return rates from more than one company. This type of form saves time, eliminates form submissions, and makes comparison shopping much more enjoyable and efficient. As soon as you send your information, it is quoted and you can select any of the price quotes you receive. If you find a better price it’s easy to complete the application and purchase coverage. It only takes a few minutes and can result in significant savings.

To find out if lower rates are available, click here and enter your vehicle and coverage information. If you have coverage now, it’s recommended you copy deductibles and limits identical to your current policy. This ensures you are getting rate comparison quotes using the exact same coverages.

How much car insurance do I need?

When buying coverage for your vehicles, there really is not a single plan that fits everyone. Everyone’s situation is a little different.

These are some specific questions might help in determining if your situation would benefit from an agent’s advice.

  • Is my custom paint covered by insurance?
  • Does my liability insurance cover pulling a trailer or camper?
  • What is UM/UIM insurance?
  • Should I sign the liability waiver when renting a car?
  • Is my vehicle covered by my employer’s policy when using it for work?
  • Can I pay claims out-of-pocket if I buy high deductibles?
  • Is my teen driver covered when they drive my company car?

If it’s difficult to answer those questions, you may need to chat with a licensed insurance agent. If you don’t have a local agent, complete this form.

Specific coverages for a 2003 Toyota Celica

Learning about specific coverages of your car insurance policy can help you determine the best coverages at the best deductibles and correct limits. Car insurance terms can be ambiguous and even agents have difficulty translating policy wording.

Medical payments coverage and PIP

Med pay and PIP coverage kick in for immediate expenses for X-ray expenses, nursing services, hospital visits and surgery. They are often used in conjunction with a health insurance policy or if there is no health insurance coverage. Coverage applies to all vehicle occupants and also covers if you are hit as a while walking down the street. PIP coverage is not universally available and gives slightly broader coverage than med pay

Uninsured/Underinsured Motorist coverage

Your UM/UIM coverage gives you protection when other motorists do not carry enough liability coverage. This coverage pays for injuries sustained by your vehicle’s occupants as well as damage to your Toyota Celica.

Due to the fact that many drivers only purchase the least amount of liability that is required, their liability coverage can quickly be exhausted. For this reason, having high UM/UIM coverages is very important.

Liability coverage

This can cover damage that occurs to a person or their property in an accident. This coverage protects you against other people’s claims. It does not cover damage sustained by your vehicle in an accident.

It consists of three limits, per person bodily injury, per accident bodily injury, and a property damage limit. Your policy might show liability limits of 100/300/100 which stand for $100,000 bodily injury coverage, a per accident bodily injury limit of $300,000, and a total limit of $100,000 for damage to vehicles and property.

Liability coverage protects against things like repair bills for other people’s vehicles, loss of income, repair costs for stationary objects, legal defense fees and attorney fees. How much liability should you purchase? That is up to you, but you should buy as much as you can afford.

Collision coverage protection

This coverage pays for damage to your Celica caused by collision with another car or object. You have to pay a deductible then the remaining damage will be paid by your insurance company.

Collision coverage pays for claims such as hitting a mailbox, backing into a parked car, sustaining damage from a pot hole and crashing into a building. Collision coverage makes up a good portion of your premium, so analyze the benefit of dropping coverage from vehicles that are older. Another option is to raise the deductible in order to get cheaper collision rates.

Comprehensive coverage

This coverage will pay to fix damage caused by mother nature, theft, vandalism and other events. You need to pay your deductible first then the remaining damage will be covered by your comprehensive coverage.

Comprehensive insurance covers things like theft, damage from flooding and hitting a bird. The highest amount a car insurance company will pay at claim time is the cash value of the vehicle, so if it’s not worth much more than your deductible it’s probably time to drop comprehensive insurance.

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