Cheapest 2007 Toyota Sienna 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 4, 2023

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Consumers have many options when looking for low-cost Toyota Sienna insurance. You can either waste hours driving around to compare prices or utilize the internet to compare rates.

There is a right way and a wrong way to compare insurance rates so you’re going to learn the absolute fastest way to price shop coverage on a Toyota and obtain the cheapest rates.

Get lower rates on 2007 Toyota Sienna insurance

The cost of insuring your cars can be expensive, buy you may qualify for discounts to reduce the price significantly. Some discounts apply automatically at quote time, but less common discounts must be specifically requested before you get the savings. If you’re not getting every credit available, you are paying more than you should be.

  • Employee of Federal Government – Being employed by or retired from a federal job can save as much as 8% on Sienna coverage with certain companies.
  • Drive Less and Save – Low mileage vehicles can earn better rates on cars that stay parked.
  • Senior Discount – Older drivers may receive a small decrease in premiums on Sienna coverage.
  • Auto/Life Discount – Select insurance companies reward you with a discount if you purchase life insurance.
  • Early Signing – Some insurance companies reward drivers for signing up prior to your current policy expiration. This can save 10% or more.
  • Safety Course Discount – Taking part in a course in driver safety could cut 5% off your bill if your company offers it.

It’s important to understand that many deductions do not apply to your bottom line cost. A few only apply to specific coverage prices like liability and collision coverage. So even though it sounds like it’s possible to get free car insurance, companies don’t profit that way. But all discounts will reduce your overall premium however.

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

Comprehensive Car Insurance Comparison

Most major insurance companies such as State Farm and Allstate allow you to get price estimates on the web. Obtaining pricing doesn’t take a lot of time as you just enter your personal and coverage information into a form. After you submit the form their system orders your driving and credit reports and returns a price quote based on many factors.

This helps simplify price comparisons, but the work required to visit different websites and fill out multiple forms can be a bit tiresome and repetitive. But it’s absolutely necessary to perform this step if you want to find better car insurance pricing.

The smarter way to get multiple rate quotes uses one form to get prices from more than one company. The form is fast, reduces the work, and makes online shopping a little more enjoyable. After sending the form, it is quoted and you can select any of the quote results.

If one or more price quotes are lower than your current rates, you simply finish the application and purchase the new policy. The entire process takes 15 minutes at the most and you will find out if you’re overpaying now.

To find out what other companies charge, click here to open in a new tab and begin entering your coverage information. If you have coverage now, it’s recommended you duplicate the insurance coverages just like they are on your policy. Using the same limits helps guarantee you’re receiving an apples-to-apples comparison for similar coverage.

Tailor your coverage to you

When choosing the best car insurance coverage for your vehicles, there really is no cookie cutter policy. Every situation is different.

These are some specific questions may help highlight if your situation might need an agent’s assistance.

  • Does liability extend to a camper or trailer?
  • Should I waive the damage coverage when renting a car?
  • Why is insurance for a teen driver so high?
  • If I drive on a suspended license am I covered?
  • Does coverage extend to Mexico or Canada?
  • What if I total my 2007 Toyota Sienna and owe more than it’s worth?
  • Should I rate my 2007 Toyota Sienna as pleasure use or commute?
  • Does having multiple vehicles earn me a discount?
  • Should I file a claim if it’s only slightly more than my deductible?
  • I don’t drive much so do I pay less?

If you’re not sure about those questions but one or more may apply to you, you might consider talking to an insurance agent. If you don’t have a local agent, complete this form. It’s fast, doesn’t cost anything and can provide invaluable advice.

Auto insurance coverages 101

Having a good grasp of auto insurance aids in choosing which coverages you need for your vehicles. Auto insurance terms can be ambiguous and even agents have difficulty translating policy wording.

Uninsured/Underinsured Motorist coverage

This protects you and your vehicle from other motorists when they do not carry enough liability coverage. This coverage pays for medical payments for you and your occupants as well as damage to your 2007 Toyota Sienna.

Because many people have only the minimum liability required by law, it doesn’t take a major accident to exceed their coverage limits. So UM/UIM coverage is a good idea. Frequently your uninsured/underinsured motorist coverages are set the same as your liablity limits.

Auto collision coverage

Collision coverage pays to fix your vehicle from damage resulting from a collision with a stationary object or other vehicle. You have to pay a deductible and then insurance will cover the remainder.

Collision insurance covers claims like damaging your car on a curb, sideswiping another vehicle and driving through your garage door. Paying for collision coverage can be pricey, so consider removing coverage from vehicles that are older. You can also raise the deductible to save money on collision insurance.

Liability car insurance

Liability insurance protects you from damages or injuries you inflict on other people or property. It protects YOU from legal claims by others. It does not cover your own vehicle damage or injuries.

Liability coverage has three limits: bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. As an example, you may have limits of 100/300/100 which stand for $100,000 bodily injury coverage, $300,000 for the entire accident, and property damage coverage for $100,000. Some companies may use one limit called combined single limit (CSL) which limits claims to one amount without having the split limit caps.

Liability insurance covers things such as pain and suffering, medical expenses, bail bonds and funeral expenses. How much liability coverage do you need? That is a personal decision, but it’s cheap coverage so purchase as much as you can afford.

Comprehensive coverage

This coverage will pay to fix damage from a wide range of events other than collision. You need to pay your deductible first then your comprehensive coverage will pay.

Comprehensive can pay for claims such as damage from getting keyed, hitting a deer, rock chips in glass, hitting a bird and theft. The maximum payout your auto insurance company will pay is the ACV or actual cash value, so if the vehicle is not worth much consider removing comprehensive coverage.

Medical payments coverage and PIP

Med pay and PIP coverage pay for immediate expenses for funeral costs, prosthetic devices, ambulance fees and pain medications. They are often used to fill the gap from your health insurance plan or if you lack health insurance entirely. Coverage applies to both the driver and occupants as well as if you are hit as a while walking down the street. Personal Injury Protection is not universally available and gives slightly broader coverage than med pay

Do the work, save more money

Affordable 2007 Toyota Sienna insurance can be bought online as well as from independent agents, so compare prices from both to have the best chance of lowering rates. Some companies don’t offer online price quotes and usually these small insurance companies provide coverage only through local independent agents.

When shopping online for insurance, don’t be tempted to reduce coverage to reduce premium. In too many instances, someone dropped full coverage only to regret that a couple dollars of savings turned into a financial nightmare. Your aim should be to buy enough coverage at the best price, not the least amount of coverage.

Insureds change insurance companies for a variety of reasons including policy non-renewal, high prices, extreme rates for teen drivers or even being labeled a high risk driver. It doesn’t matter why you want to switch finding a new insurance company can be less work than you think.

Additional resources

  • Crash Avoidance Technologies FAQ (
  • Information for Teen Drivers (GEICO)
  • Side Impact Crash Tests (
  • Things to Know Before you Cancel Insurance (Allstate)

Frequently Asked Questions

Is it necessary to buy the least amount of coverage?

The goal should be to purchase enough coverage at the best price, rather than trying to minimize coverage to reduce the premium. It’s important to have adequate protection to avoid potential financial difficulties in the future.

Why do people switch insurance companies?

People may switch insurance companies for various reasons, such as non-renewal of policies, high prices, insuring teen drivers, or being labeled as high-risk drivers.

Should I reduce coverage to lower my premium?

It’s generally not recommended to reduce coverage solely to lower the premium. It’s important to have sufficient coverage to protect yourself and your assets in case of an accident or damage.

What are some discounts that can help reduce the cost of Toyota Sienna insurance?

Some potential discounts include being an employee of the federal government, driving less mileage, being a senior driver, purchasing auto and life insurance together, and signing up for a new policy before the current one expires.

Should I rate my 2007 Toyota Sienna as pleasure use or commute?

The classification of pleasure use or commute may affect your insurance premium. If you use your vehicle primarily for commuting, it may result in slightly higher rates compared to pleasure use.

Can having multiple vehicles earn me a discount on my 2007 Toyota Sienna insurance?

Yes, some insurance companies offer multi-vehicle discounts, which can help lower your insurance rates if you insure multiple vehicles with the same provider.

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