Cheaper 2005 Toyota Celica 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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Want better insurance rates for your Toyota Celica? Expensive insurance can drain your personal savings and make it hard to pay other bills. Shopping your coverage around is a great way to make sure you’re not throwing money away. Big companies like State Farm, Allstate, GEICO and Progressive constantly bombard you with ads and consumers find it hard to not get sucked in by the cute commercials and take the time to shop coverage around.

You need to check insurance prices every six months because insurance rates change quite often. Even if you got the lowest price for Celica coverage a couple years back you will most likely find a better rate today. Forget anything you know (or think you know) about insurance because I’m going to let you in on the secrets to the best way to buy cheaper insurance.

Comparison of Insurance

Shopping for lower insurance rates can be a lot of work if you don’t utilize the most efficient way to do it. You can waste a few hours (or days) discussing policy coverages with agents in your area, or you could use the internet to get rates in a matter of minutes.

Many popular insurance companies take part in a program that allows shoppers to enter their coverage request one time, and at least one company returns a competitive quote based on that information. This eliminates the need for quote requests to every company.

To access this free quoting program, click to open in new window.

The one disadvantage to comparing rates this way is that you can’t choose which insurance companies to get pricing from. So if you want to choose specific providers to compare rates, we have a page of the cheapest insurance companies in your area. Click here for list of insurance companies.

Whichever method you choose, double check that you are using the exact same coverage limits and deductibles for every company. If the quotes have differing limits you will not be able to find the best deal for your Toyota Celica.

How much can you save with discounts?

Auto insurance companies do not list every available discount in an easy-to-find place, so here is a list both well-publicized and the harder-to-find discounts you could be receiving. If they aren’t giving you every credit possible, you’re just leaving money on the table.

  • Multiple Cars – Having all your vehicles on the same auto insurance policy may reduce the rate for each vehicle.
  • No Accidents – Claim-free drivers can earn big discounts when compared to bad drivers.
  • Military Discounts – Having a deployed family member could be rewarded with lower premiums.
  • Multi-policy Discount – When you combine your home and auto insurance with the same company you could get a discount of 10% to 20% off each policy.
  • Student Driver Training – Require your teen driver to enroll in driver’s education in school.
  • Sign Online – Some insurance companies may give you up to $50 for buying a policy and signing up digitally online.
  • Use Seat Belts – Using a seat belt and requiring all passengers to use their safety belts can save up to 15% off your medical payments premium.
  • Distant Student – Youth drivers who attend school more than 100 miles from home and do not have access to a covered vehicle may qualify for this discount.
  • Good Student Discount – This discount can earn a discount of 20% or more. This discount can apply up until you turn 25.
  • Early Signing – A few companies offer discounts for switching policies prior to your current policy expiring. This can save 10% or more.

Drivers should understand that some credits don’t apply to the entire policy premium. A few only apply to the cost of specific coverages such as comp or med pay. Just because you may think you could get a free auto insurance policy, it just doesn’t work that way.

To see a list of providers offering auto insurance discounts, follow this link.

Factors that can influence Toyota Celica insurance rates

An important part of buying insurance is that you know the different types of things that come into play when calculating insurance rates. Understanding what controls the rates you pay empowers consumers to make smart changes that will entitle you to much lower annual insurance costs.

  • Your job and insurance rates – Jobs such as lawyers, business owners and accountants tend to have higher rates than average due to job stress and long work days. On the flip side, occupations such as farmers, athletes and the unemployed receive lower rates for Celica coverage.
  • Higher safety ratings means cheaper insurance – Cars with high safety ratings tend to have better insurance rates. Safer cars reduce injuries and any reduction in injury severity translates into fewer and smaller insurance claims and lower rates for you. If your Toyota Celica earned at least four stars on Safercar.gov you are probably receiving a discount.
  • Your credit rating is important – Your credit score is a huge factor in your rate calculation. Consumers who have high credit scores tend to be less risk to insure than drivers with lower credit ratings. Therefore, if your credit score is low, you could be paying less to insure your 2005 Toyota Celica by spending a little time repairing your credit.
  • How’s your driving record? – Whether or not you get tickets has a lot to do with how much you pay for insurance. Good drivers get better rates than people who have multiple driving citations. Only having one ticket can increase rates by twenty percent. Drivers with severe tickets such as DWI, reckless driving or hit and run convictions are required to submit a SR-22 form to the state department of motor vehicles in order to drive a vehicle legally.
  • Do you need those extra coverages? – There are quite a few add-on coverages that you can buy if you aren’t careful. Coverages like vanishing deductibles, towing coverage and motor club memberships may be wasting your money. These coverages may sound good when you first buy your policy, but if you don’t need them get rid of them and save.
  • Never allow your policy to lapse – Driving with no insurance can get your license suspended and your next policy will cost more because you let your coverage lapse. Not only will rates go up, failure to provide proof of insurance might get you a steep fine or even jail time.
  • Lower rates with optional equipment – Choosing a vehicle with an alarm system can help bring down rates. Anti-theft features such as GM’s OnStar, tamper alarm systems and vehicle immobilizers can thwart car theft.
  • An active claims history can cost you – If you tend to file frequent claims, you can expect either higher rates or even cancellation. Insurance companies generally give lower rates to policyholders who are claim-free. Car insurance is meant to be used in the event of the bigger claims that can’t be paid out-of-pocket.

How much car insurance do I need?

When it comes to choosing coverage for your personal vehicles, there really is not a one size fits all plan. Every situation is different so your insurance should reflect that For example, these questions may help highlight if you may require specific advice.

  • Should I buy more coverage than the required minimum liability coverage?
  • Is borrowed equipment or tools covered if stolen or damaged?
  • Does car insurance cover theft of personal property?
  • When can my company non-renew my policy?
  • Am I covered when delivering products for my home-based business?
  • Am I covered when pulling a rental trailer?
  • Is business equipment covered while in my vehicle?
  • Is my teen driver covered when they drive my company car?

If you can’t answer these questions but one or more may apply to you, you may need to chat with an insurance agent. If you don’t have a local agent, fill out this quick form or go to this page to view a list of companies. It’s fast, doesn’t cost anything and can provide invaluable advice.

Car insurance coverages for a Toyota Celica

Having a good grasp of a auto insurance policy can help you determine the best coverages for your vehicles. Policy terminology can be confusing and nobody wants to actually read their policy. Below you’ll find typical coverage types found on most auto insurance policies.

Uninsured or underinsured coverage – Your UM/UIM coverage protects you and your vehicle’s occupants when the “other guys” are uninsured or don’t have enough coverage. This coverage pays for injuries to you and your family and damage to your 2005 Toyota Celica.

Because many people only carry the minimum required liability limits, their limits can quickly be used up. That’s why carrying high Uninsured/Underinsured Motorist coverage is important protection for you and your family.

Liability car insurance – This coverage provides protection from injuries or damage you cause to other’s property or people in an accident. It protects YOU from claims by other people, and does not provide coverage for 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 100/300/100 which means a $100,000 limit per person for injuries, a limit of $300,000 in injury protection per accident, and $100,000 of coverage for damaged property.

Liability insurance covers claims such as medical services, structural damage, pain and suffering, court costs and emergency aid. How much liability coverage do you need? That is a personal decision, but consider buying higher limits if possible.

Comprehensive protection – This pays for damage from a wide range of events other than collision. You first must pay your deductible and then insurance will cover the rest of the damage.

Comprehensive can pay for claims like hail damage, theft, damage from flooding and a broken windshield. The highest amount your auto insurance company will pay is the market value of your vehicle, so if the vehicle’s value is low consider dropping full coverage.

Medical expense coverage – Medical payments and Personal Injury Protection insurance kick in for immediate expenses like ambulance fees, chiropractic care, nursing services and pain medications. They are used to fill the gap from your health insurance plan or if you lack health insurance entirely. They cover not only the driver but also the vehicle occupants as well as any family member struck as a pedestrian. PIP coverage is not universally available but it provides additional coverages not offered by medical payments coverage

Collision – Collision coverage pays for damage to your Celica from colliding with another car or object. You will need to pay your deductible and the rest of the damage will be paid by collision coverage.

Collision can pay for claims like damaging your car on a curb, scraping a guard rail, sustaining damage from a pot hole and colliding with another moving vehicle. Paying for collision coverage can be pricey, so consider dropping it from older vehicles. It’s also possible to bump up the deductible to bring the cost down.

A penny earned…

As you restructure your insurance plan, do not sacrifice coverage to reduce premiums. There are many occasions where drivers have reduced comprehensive coverage or liability limits only to regret that it was a big error on their part. The aim is to buy a smart amount of coverage for the lowest price while still protecting your assets.

The cheapest 2005 Toyota Celica insurance can be found online in addition to many insurance agents, and you should compare price quotes from both to have the best selection. Some companies do not provide online quoting and most of the time these regional insurance providers sell through independent agents.

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