Cheapest 2006 Toyota Avalon Insurance Rates in 2024

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Jeffrey Johnson

Insurance Lawyer

Jeffrey Johnson is a legal writer with a focus on personal injury. He has worked on personal injury and sovereign immunity litigation in addition to experience in family, estate, and criminal law. He earned a J.D. from the University of Baltimore and has worked in legal offices and non-profits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman Univer...

Insurance Lawyer

UPDATED: Jun 3, 2023

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Paying for high-priced Toyota Avalon insurance can take a big chunk out of your checking account and put a big crunch on your finances. Shopping your coverage around is free and is an excellent way to reduce premiums and put more money in your pocket. Many insurers vie for your insurance dollar, and because of this it can be hard to compare insurers to find the absolute lowest rate

It’s important to get comparison quotes occasionally since rates go up and down regularly. If you had the lowest rates for Avalon insurance two years ago a different company probably has better rates today. So forget anything you know (or think you know) about insurance because you’re going to learn the tricks you need to know to find better rates and still maintain coverage.

If you have insurance now or need a new policy, you will benefit by learning to get lower rates while maintaining coverages. Finding affordable coverage is not rocket science. Consumers only need to know how to shop online.

The quickest way to compare car insurance rates is to know the fact most larger insurance companies actually pay money for the chance to compare rate quotes. The one thing you need to do is spend a couple of minutes providing details like daily mileage, driver details, the year, make and model of vehicles, and if the car is leased. That rating information is automatically sent to multiple insurance coverage providers and they return rate quotes with very little delay.

Discounts are available to cut your rates

Insurance can be prohibitively expensive, but discounts can save money and there are some available that many people don’t even know exist. Some discounts apply automatically at the time you complete a quote, but less common discounts must be requested specifically prior to getting the savings. If they aren’t giving you every credit you deserve, you are paying more than you should be.

  • More Vehicles More Savings – Buying coverage for multiple cars or trucks with the same company qualifies for this discount.
  • Safe Driver Discount – Drivers who don’t get into accidents can pay as much as 50% less for Avalon insurance than drivers with accidents.
  • Drivers Education – Make teen driver coverage more affordable by requiring them to enroll in driver’s education in high school.
  • College Student – Kids in college who attend school more than 100 miles from home and don’t have a car may qualify for this discount.
  • Multi-policy Discount – When you have multiple policies with the same insurance company you may save up to 20% off your total premium.
  • Passive Restraint Discount – Cars that have air bags or motorized seat belts can get savings up to 30%.
  • Anti-lock Brake System – Anti-lock brake equipped vehicles can avoid accidents and therefore earn up to a 10% discount.

As a disclaimer on discounts, many deductions do not apply to all coverage premiums. A few only apply to specific coverage prices like liability and collision coverage. Just because you may think it’s possible to get free car insurance, car insurance companies aren’t that generous. But any discount will cut your overall premium however.

Insurance companies that may have these benefits may include but are not limited to:

Double check with all companies you are considering which discounts they offer. Some discounts might not apply in your state.

Everyone needs different coverages

When it comes to choosing the best insurance coverage coverage, there really is not a “best” method to buy coverage. Everyone’s needs are different so this has to be addressed. For instance, these questions may help highlight if your situation might need an agent’s assistance.

  • Am I covered when using my vehicle for business?
  • Should I buy additional glass protection?
  • Are split liability limits better than a combined single limit?
  • Why am I required to get a high-risk car insurance policy?
  • Should I sign the liability waiver when renting a car?
  • Does coverage extend to my business vehicle?
  • Exactly who is provided coverage by my policy?
  • Do I need medical payments coverage since I have good health insurance?

If it’s difficult to answer those questions then you might want to talk to an agent. To find lower rates from a local agent, take a second and complete this form or click here for a list of insurance coverage companies in your area. It’s fast, free and can help protect your family.

Information about specific coverages

Learning about specific coverages of your policy helps when choosing the best coverages and the correct deductibles and limits. The terms used in a policy can be ambiguous and nobody wants to actually read their policy. Below you’ll find the usual coverages available from insurance companies.

Coverage for medical payments

Med pay and PIP coverage kick in for bills for things like EMT expenses, hospital visits and doctor visits. They are utilized in addition to your health insurance policy or if you are not covered by health insurance. Medical payments and PIP cover all vehicle occupants in addition to if you are hit as a while walking down the street. PIP coverage is only offered in select states but it provides additional coverages not offered by medical payments coverage

Auto collision coverage

This coverage pays to fix your vehicle from damage caused by collision with a stationary object or other vehicle. A deductible applies then the remaining damage will be paid by your insurance company.

Collision can pay for claims such as sideswiping another vehicle, backing into a parked car and rolling your car. Collision coverage makes up a good portion of your premium, so consider dropping it from lower value vehicles. It’s also possible to increase the deductible to bring the cost down.

Auto liability

Liability insurance protects you from damage that occurs to other people or property by causing an accident. It protects YOU from claims by other people. 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 limits of 50/100/50 which stand for a limit of $50,000 per injured person, $100,000 for the entire accident, and property damage coverage for $50,000. Some companies may use one limit called combined single limit (CSL) which provides one coverage limit rather than limiting it on a per person basis.

Liability coverage pays for things like emergency aid, repair bills for other people’s vehicles and structural damage. How much liability coverage do you need? That is up to you, but buy as large an amount as possible.

Uninsured and underinsured coverage

This coverage protects you and your vehicle when the “other guys” are uninsured or don’t have enough coverage. Covered losses include hospital bills for your injuries and damage to your Toyota Avalon.

Because many people have only the minimum liability required by law, their liability coverage can quickly be exhausted. This is the reason having UM/UIM coverage should not be overlooked. Normally your uninsured/underinsured motorist coverages are similar to your liability insurance amounts.

Comprehensive coverages

This coverage will pay to fix 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 can pay for claims such as damage from getting keyed, hitting a deer, rock chips in glass and hitting a bird. The highest amount a insurance company will pay at claim time is the ACV or actual cash value, so if the vehicle is not worth much it’s not worth carrying full coverage.

Frequently Asked Questions

Are there any specific insurance discounts for a 2006 Toyota Avalon?

Insurance discounts can vary by insurance company, here’s four common discounts that may apply to a 2006 Toyota Avalon include:

  • Anti-theft discount
  • Safety features discount
  • Low mileage discount
  • Good driver discount

Are there any specific insurance companies known for offering affordable rates on a 2006 Toyota Avalon?

Insurance rates can vary significantly between companies, so it’s important to compare quotes from different insurers. Some insurance companies that are often known for offering competitive rates include GEICO, Progressive, State Farm, Allstate, and Liberty Mutual. However, the best company for you may depend on your individual circumstances, so it’s advisable to shop around and obtain personalized quotes.

Can I reduce my insurance costs by lowering coverage for my 2006 Toyota Avalon?

Lowering your coverage levels may reduce your insurance costs, but it’s important to carefully consider the potential risks. Comprehensive and collision coverage provide protection for your own vehicle in case of damage, while liability coverage protects you if you cause injury or damage to others. Before reducing coverage, evaluate your financial situation and potential risks involved in case of an accident.

Can I get insurance coverage for a 2006 Toyota Avalon if it has modifications or aftermarket upgrades?

Insurance coverage for modified or upgraded vehicles can vary by insurance company. It’s important to disclose any modifications to the insurance company and ask if they will provide coverage for those modifications. In some cases, you may need to purchase additional coverage or find a specialized insurer that caters to modified vehicles.

Are there any specific coverage options that can help reduce insurance costs for a 2006 Toyota Avalon?

Yes, there are coverage options that can potentially reduce insurance costs for a 2006 Toyota Avalon. One option is to consider purchasing liability-only coverage, which covers damages to others in accidents that you cause, but does not include coverage for your own vehicle. Another option is to explore usage-based insurance programs, where your rates are determined based on your driving habits and mileage.

Are there any specific insurance requirements for a 2006 Toyota Avalon?

Insurance requirements for a 2006 Toyota Avalon can vary by state and individual circumstances. In most states, liability insurance is typically required, which covers injuries and damages to others in accidents that you cause. Some states may also have additional requirements, such as personal injury protection (PIP) or uninsured/underinsured motorist coverage. It’s important to understand the insurance requirements in your specific location.

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