2005 Toyota Avalon Car Insurance Quotes – 10 Ideas for Cheapest 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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Nobody cherishes buying auto insurance, especially when they are paying too much.

There is such a variety of insurers to purchase coverage from, and though it is a good thing to be able to choose, it makes it harder to find the lowest rates.

Smart consumers take time to compare rates at least once a year due to the fact that insurance rates are constantly changing. Even if you think you had the lowest rates for Avalon coverage on your last policy a different company probably has better rates today. Starting now, forget anything you know (or think you know) about auto insurance because we’re going to show you the best methods to reduce your cost while increasing coverage.

You probably qualify for some discounts

Auto insurance companies don’t always advertise every discount in an easy-to-find place, so we took the time to find some of the best known and the more hidden discounts you could be receiving.

  • Multiple Cars – Buying insurance for all your vehicles on the same insurance policy can get a discount on all vehicles.
  • Life Insurance – Companies who offer life insurance give lower rates if you buy auto and life insurance together.
  • Multiple Policy Discount – If you insure your home and vehicles with the same company you could get a discount of up to 20% off your total premium.
  • Save with a New Car – Putting insurance coverage on a new car can cost up to 25% less since new cars are generally safer.
  • Anti-theft System – Vehicles with anti-theft systems can help prevent theft and will save you 10% or more.
  • Payment Method – By paying your policy upfront rather than paying monthly you can actually save on your bill.
  • Passive Restraints and Air Bags – Vehicles with factory air bags and/or automatic seat belt systems can qualify for discounts up to 30%.
  • College Student – Youth drivers living away from home attending college and do not have access to a covered vehicle may be able to be covered for less.
  • Seat Belts Save more than Lives – Buckling up and requiring all passengers to wear their seat belts can save up to 15% on the medical payments or PIP coverage costs.
  • Drivers Ed for Students – Make teen driver coverage more affordable by requiring them to successfully complete driver’s ed class if it’s offered in school.

A little note about advertised discounts, most discounts do not apply to all coverage premiums. A few only apply to specific coverage prices like liability and collision coverage. So when the math indicates you would end up receiving a 100% discount, companies don’t profit that way.

For a list of insurance companies offering insurance discounts, click this link.

There’s no such thing as the perfect policy

When choosing adequate coverage for your vehicles, there is no one size fits all plan. Your needs are not the same as everyone else’s and your policy should reflect that. These are some specific questions could help you determine whether or not you may require specific advice.

  • Are rental cars covered under my policy?
  • Where can I find DUI or SR-22 insurance?
  • Are there companies who specialize in insuring high-risk drivers?
  • Am I covered when driving a rental car?
  • Why is insurance for a teen driver so high?
  • Is my camper covered by my car insurance policy?
  • Do I pay less if my vehicle is kept in my garage?
  • Are split liability limits better than a combined single limit?
  • Are rock chip repairs covered?

If you don’t know the answers to these questions but one or more may apply to you then you might want to talk to an insurance agent. If you don’t have a local agent, simply complete this short form or go to this page to view a list of companies.

Information about specific coverages

Knowing the specifics of insurance helps when choosing the right coverages for your vehicles. The coverage terms in a policy can be confusing and coverage can change by endorsement. Below you’ll find typical coverages offered by insurance companies.

Protection from uninsured/underinsured drivers

Uninsured or Underinsured Motorist coverage provides protection from other drivers when they either have no liability insurance or not enough. It can pay for hospital bills for your injuries and also any damage incurred to your Toyota Avalon.

Due to the fact that many drivers carry very low liability coverage limits, their liability coverage can quickly be exhausted. This is the reason having UM/UIM coverage is important protection for you and your family.

Collision insurance

This coverage pays to fix your vehicle from damage caused by collision with a stationary object or other vehicle. You will need to pay your deductible and the rest of the damage will be paid by collision coverage.

Collision insurance covers things like damaging your car on a curb, crashing into a building, sideswiping another vehicle and hitting a mailbox. Collision is rather expensive coverage, so you might think about dropping it from lower value vehicles. You can also bump up the deductible to get cheaper collision coverage.

Medical expense insurance

Personal Injury Protection (PIP) and medical payments coverage kick in for expenses for things like prosthetic devices, dental work, pain medications, chiropractic care and ambulance fees. The coverages can be used to fill the gap from your health insurance program or if you do not have health coverage. Medical payments and PIP cover you and your occupants and also covers being hit by a car walking across the street. PIP coverage is not an option in every state but can be used in place of medical payments coverage

Liability

This will cover damages or injuries you inflict on people or other property by causing an accident. It protects YOU against other people’s claims. Liability doesn’t cover damage sustained by your vehicle in an accident.

Split limit liability has three limits of coverage: per person bodily injury, per accident bodily injury, and a property damage limit. You might see liability limits of 25/50/25 which means a limit of $25,000 per injured person, a total of $50,000 of bodily injury coverage per accident, and a total limit of $25,000 for damage to vehicles and property.

Liability insurance covers things such as medical expenses, repair bills for other people’s vehicles, legal defense fees, pain and suffering and funeral expenses. How much liability coverage do you need? That is up to you, but buy as large an amount as possible.

Comprehensive (Other than Collision)

This pays for damage caused by mother nature, theft, vandalism and other events. You need to pay your deductible first and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive coverage protects against claims like a broken windshield, damage from flooding, fire damage, damage from a tornado or hurricane and hitting a bird. The maximum payout a insurance company will pay at claim time is the actual cash value, so if the vehicle’s value is low it’s not worth carrying full coverage.

A fool and his money are soon parted

The cheapest 2005 Toyota Avalon insurance is definitely available from both online companies and with local insurance agents, so you should be comparing quotes from both in order to have the best chance of saving money. A few companies do not offer the ability to get a quote online and usually these regional insurance providers provide coverage only through local independent agents.

As you go through the steps to switch your coverage, it’s not a good idea to reduce needed coverages to save money. There are many occasions where someone sacrificed collision coverage only to discover later that it was a big mistake. Your goal should be to buy the best coverage you can find at a price you can afford.

To learn more, link through to the following helpful articles:

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