2004 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: May 12, 2022

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Want better insurance rates for your Toyota Celica? Trying to find better insurance prices for a Toyota Celica can turn out to be an all-consuming task, but you can learn our insurance buying tips to find lower rates. There are more efficient ways to buy insurance and you need to know the best way to get price quotes for your Toyota and obtain the lowest price from both online companies and local agents.

Consumers should take time to check insurance prices occasionally because rates are variable and change quite frequently. Just because you had the best deal on Celica coverage last year the chances are good that you can find a lower rate today. Block out anything you think you know about insurance because we’re going to demonstrate the fastest way to lower your rates without sacrificing coverage.

If you have a policy now or are shopping for new coverage, you can follow these tips to cut your premiums while maximizing coverage. Buying more affordable protection is not that difficult. Vehicle owners just need to learn the proper way to shop their coverage around online.

Factors that might impact rates for a Toyota Celica

It’s important that you understand the different types of things that come into play when calculating auto insurance rates. Having a good understanding of what controls the rates you pay helps enable you to make changes that will entitle you to big savings.

  • Never allow your policy to lapse – Driving your car without having proper coverage is a misdemeanor and as a result your rates will increase for letting your insurance expire. And not only will your rates increase, getting caught without coverage might get you a steep fine or even jail time.
  • Rates may be lower depending on your job – Did you know your occupation can influence how much you pay for auto insurance? Occupations such as doctors, business owners and stock brokers are shown to have the highest rates in part from stressful work requirements and lots of time spent at work. On the other hand, occupations like pilots, students and performers pay the least on Celica coverage.
  • Liability insurance protects assets – Liability insurance is the protection when a jury decides you are liable for causing damage or personal injury in an accident. It will provide for a legal defense up to the limits shown on your policy. Liability insurance is quite affordable compared to physical damage coverage, so drivers should carry high limits.
  • How many coverages with the same company – Many insurance companies will give a discount to customers who carry more than one policy. It’s known as a multi-policy discount. Discounts can be 10 percent or more. Even if you’re getting this discount you may still want to shop around to confirm you are receiving the best rates possible.
  • Theft deterrents lower rates – Purchasing a vehicle that has an advanced theft prevention system can help bring down rates. Theft prevention devices such as vehicle immobilizer systems, General Motors OnStar and LoJack tracking systems all aid in stopping your vehicle from being stolen.
  • Pay less if you’re married – Being married actually saves money on your auto insurance policy. Marriage is viewed as being more mature and responsible and it’s statistically proven that married couples file fewer claims.
  • Your credit rating is important – Having a bad credit score is a important factor in determining what you pay for auto insurance. So if your credit rating is lower than you’d like, you could save money insuring your 2004 Toyota Celica by spending a little time repairing your credit. People with high credit scores tend to be more responsible than those with poor credit.
  • Men pay higher rates – Statistics demonstrate that men are more aggressive behind the wheel. That doesn’t necessarily mean that men are worse drivers. Both sexes have accidents in similar numbers, but the male of the species cause more damage. Men also tend to have more aggressive citations such as reckless driving. Male drivers age 16 to 19 are several times more likely to be in an accident and therefore are the most expensive to insure.

Finding Car Insurance Deals

Cutting your car insurance rates is actually quite simple. The only requirement is to invest a few minutes to compare quotes provided by online insurance companies. This can be accomplished in a couple of different ways.

  1. One of the best ways consumers can analyze rates is a comparison rater form click here to open form in new window. This type of form eliminates the need for separate quote forms for each company. A single, simple form will return quotes from multiple companies.It’s the quickest way to get rates.
  2. A more difficult way to analyze rates is going to the website for each individual company and complete a new quote form. For sake of this example, we’ll pretend you want to compare State Farm, Allstate and Progressive. To get each rate you have to go to every website and enter your information, and that’s why the first method is more popular.

    For a list of links to insurance companies in your area, click here.

  3. The least efficient method to compare rates is to drive around to local insurance agencies. Shopping for car insurance online makes this process obsolete unless you prefer the personal advice that only a license agent can provide. However, consumers can find lower rates online but buy from a local insurance agent and we’ll cover that in a bit.

It’s up to you which method you use, but compare apples-to-apples coverage information on every quote you get. If you have different values for each quote it will be impossible to truly determine the lowest rate.

How can GEICO, State Farm and Progressive save drivers who switch?

Drivers can’t ignore all the ads that promise big savings by GEICO, State Farm and Progressive. They all seem to make the same claim about savings if you move to their company.

How can each company say the same thing?

Different companies have a preferred profile for the driver that is profitable for them. An example of a driver they prefer might be a mature driver, has no tickets, and has great credit. A propective insured who meets those qualifications will qualify for the lowest rates and as a result will probably save when they switch companies.

Consumers who are not a match for the requirements will be quoted higher prices and ends up with business not being written. The ad wording is “people who switch” not “people who quote” save that kind of money. That is how companies can make the claims of big savings. This emphasizes why you should get a wide range of price quotes. Because you never know the company that will fit your personal profile best.

Are you getting all your discounts?

Companies offering auto insurance don’t always publicize all their discounts in an easy-to-find place, so we researched some of the more common and also the lesser-known ways to save on auto insurance. If they aren’t giving you every credit you qualify for, you are paying more than you should be.

  • College Student – Children living away from home attending college without a vehicle on campus can be insured at a reduced rate.
  • Seat Belts Save more than Lives – Using a seat belt and requiring all passengers to buckle their seat belts can save 10% or more on the medical payments or PIP coverage costs.
  • No Accidents – Good drivers with no accidents can save substantially when compared with bad drivers.
  • Military Discounts – Having a deployed family member could mean lower rates.
  • Sign Online – Some insurance companies will give a small break for buying a policy and signing up on their website.
  • Driver’s Ed – Require your teen driver to complete a driver education course if it’s offered in school.

Keep in mind that most discount credits are not given to all coverage premiums. Some only apply to specific coverage prices like liability and collision coverage. So even though they make it sound like all those discounts means the company will pay you, it doesn’t quite work that way.

To see a list of insurance companies who offer auto insurance discounts, click here.

When might I need an agent?

When choosing proper insurance coverage, there really is no “best” method to buy coverage. Everyone’s situation is unique.

Here are some questions about coverages that could help you determine whether your personal situation might need professional guidance.

  • Does my insurance cover a custom paint job?
  • What is the minimum liability in my state?
  • What are the best liability limits?
  • Does my 2004 Toyota Celica need full coverage?
  • Will I be non-renewed for getting a DUI or other conviction?
  • Do I pay less if my vehicle is kept in my garage?
  • Do I have coverage for damage caused while driving under the influence?
  • Who is covered when they drive my 2004 Toyota Celica?
  • Do I need replacement cost coverage on my 2004 Toyota Celica?
  • What if I owe more than I can insure my car for?

If it’s difficult to answer those questions but one or more may apply to you, then you may want to think about talking to an agent. To find lower rates from a local agent, complete this form. It’s fast, free and can provide invaluable advice.

Specific coverages for a Toyota Celica

Learning about specific coverages of insurance helps when choosing the right coverages and proper limits and deductibles. Insurance terms can be difficult to understand and reading a policy is terribly boring.

Liability coverages

This coverage provides protection from damages or injuries you inflict on other people or property in an accident. It protects YOU against other people’s claims. It does not cover your own vehicle damage or injuries.

It consists of three limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You commonly see values of 50/100/50 that means you have $50,000 bodily injury coverage, a limit of $100,000 in injury protection per accident, and $50,000 of coverage for damaged property.

Liability insurance covers things such as repair bills for other people’s vehicles, bail bonds and legal defense fees. How much liability coverage do you need? That is a personal decision, but consider buying as much as you can afford.

UM/UIM Coverage

This coverage gives you protection from other drivers when they either are underinsured or have no liability coverage at all. Covered claims include injuries to you and your family as well as your vehicle’s damage.

Because many people only purchase the least amount of liability that is required, it doesn’t take a major accident to exceed their coverage limits. That’s why carrying high Uninsured/Underinsured Motorist coverage is very important.

Comprehensive or Other Than Collision

This coverage will pay to fix damage from a wide range of events other than collision. You first must pay your deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive can pay for claims such as rock chips in glass, theft, hail damage and hitting a deer. The most you’ll receive from a claim is the ACV or actual cash value, so if the vehicle is not worth much it’s probably time to drop comprehensive insurance.

Coverage for collisions

This covers damage to your Celica resulting from colliding with an object or car. You have to pay a deductible and then insurance will cover the remainder.

Collision insurance covers claims like sideswiping another vehicle, scraping a guard rail, crashing into a building and backing into a parked car. Paying for collision coverage can be pricey, so you might think about dropping it from vehicles that are older. You can also raise the deductible to get cheaper collision coverage.

Medical costs insurance

Med pay and PIP coverage pay for short-term medical expenses like nursing services, prosthetic devices, EMT expenses, X-ray expenses and ambulance fees. They are often utilized in addition to your health insurance policy or if you do not have health coverage. They cover you and your occupants in addition to if you are hit as a while walking down the street. Personal Injury Protection is not available in all states and gives slightly broader coverage than med pay

Have money to burn

We’ve covered many tips how you can get a better price on 2004 Toyota Celica insurance. The most important thing to understand is the more providers you compare, the higher the chance of saving money. Consumers may even find the lowest priced insurance comes from a company that doesn’t do a lot of advertising.

People change insurance companies for any number of reasons including an unsatisfactory settlement offer, being labeled a high risk driver, poor customer service and even delays in paying claims. It doesn’t matter why you want to switch choosing a new company can be less work than you think.

When trying to cut insurance costs, it’s a bad idea to reduce needed coverages to save money. In many instances, an insured dropped comprehensive coverage or liability limits only to regret they didn’t have enough coverage. Your aim should be to purchase plenty of coverage at a price you can afford, not the least amount of coverage.

More tips and info about insurance is located by following these links:

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