Cheapest 2012 Toyota Sienna Insurance Rates in 2023
Enter your zip code below to view companies that have cheap auto insurance rates.
UPDATED: Jun 5, 2023
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident car insurance decisions. Comparison shopping should be easy. We are not affiliated with any one car insurance provider and cannot guarantee quotes from any single provider.
Our insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.
Searching for better auto insurance rates? Consumers have a choice when looking for the lowest priced Toyota Sienna insurance. They can either waste time struggling with agents getting price quotes or use the internet to make rate comparisons.
There is a better way to buy auto insurance so you’re going to learn the best way to get price quotes for a new or used Toyota and find the best price possible from local insurance agents and online providers.
You need to price shop coverage once or twice a year because rates change regularly. Just because you found the lowest rates for Sienna coverage two years ago there may be better deals available now. Forget all the misinformation about auto insurance because I’m going to let you in on the secrets to one of the best ways to properly buy coverages while reducing your premium.
Get lower rates on Toyota Sienna insurance
Car insurance is not cheap, but discounts can save money and there are some available to help bring down the price. Certain discounts will be triggered automatically when you complete an application, but some must be specially asked for prior to receiving the credit. If they aren’t giving you every credit possible, you are paying more than you should be.
- Discount for Life Insurance – Companies who offer life insurance give a discount if you purchase life insurance from them.
- Discount for New Cars – Adding a new car to your policy can cost up to 25% less compared to insuring an older model.
- Senior Citizens – If you’re over the age of 55, you may qualify for a small decrease in premiums for Sienna coverage.
- Safe Drivers – Drivers who don’t get into accidents may save up to 50% more for Sienna coverage than drivers with accident claims.
- Good Student – Getting good grades can save 20 to 25%. This discount can apply well after school through age 25.
As a disclaimer on discounts, most discounts do not apply to the entire policy premium. Most cut the price of certain insurance coverages like physical damage coverage or medical payments. So even though it sounds like you can get free auto insurance, you’re out of luck. But any discount will bring down the cost of coverage.
Car insurance companies that may offer these discounts include:
- State Farm
- Farm Bureau
It’s a good idea to ask each insurance company how you can save money. Some discounts might not apply in your area.
Comprehensive Insurance Coverage Comparison Quotes
Finding a lower price on 2012 Toyota Sienna insurance isn’t really that difficult. Drivers just need to spend a few minutes comparing price quotes online with multiple companies. This can be accomplished in just a few minutes using one of these methods.
- The most efficient way to find the lowest comparison rates would be an industry-wide quote request form click to view form in new window. This easy form eliminates the need for boring form submissions to each individual insurance coverage company. One simple form will get you price quotes direct from many companies. It’s the fastest way to compare.
- A more difficult way to get comparison quotes is to take the time to go to each company’s website and request a quote.
It’s your choice how you get your quotes, but make absolute certain that you use identical information with every price quote. If each company quotes different values for each quote it will be very difficult to make a fair comparison for your Toyota Sienna.
Tailor your coverage to you
When buying proper insurance coverage for your personal vehicles, there really is no “perfect” insurance plan. Everyone’s needs are different.
For example, these questions may help highlight whether or not you may require specific advice.
- Do I need replacement cost coverage?
- Is my trailer covered?
- Am I covered if hit by an uninsured driver?
- What is the minimum liability in my state?
- Can I get a multi-policy discount for packaging my home and auto coverage?
- Do I have coverage when using my vehicle for my home business?
If you can’t answer these questions but you know they apply to you, then you may want to think about talking to an agent. To find an agent in your area, complete this form. It is quick, free and you can get the answers you need.
The auto insurance bait and switch
Consumers get pounded daily by advertisements for car insurance savings by Allstate and Progressive. They all seem to have a common claim that you can save if you switch to their company.
How does each company make almost identical claims? It’s all in the numbers.
Different companies have a certain “appetite” for the type of driver that earns them a profit. For example, a driver they prefer could be between 30 and 50, has no driving citations, and has a short commute. A driver who matches those parameters will qualify for the lowest rates and as a result will probably save when switching.
Drivers who don’t measure up to the “perfect” profile must pay a higher premium and this can result in business not being written. Company advertisements say “drivers who switch” but not “drivers who get quotes” save money. That’s the way insurance companies can confidently advertise the savings.
This illustrates why drivers should compare as many rates as you can. You cannot predict which company will provide you with the cheapest Toyota Sienna insurance rates.
Car insurance coverages explained
Learning about specific coverages of a car insurance policy aids in choosing the right coverages and the correct deductibles and limits. Policy terminology can be confusing and coverage can change by endorsement.
Medical expense insurance – Coverage for medical payments and/or PIP kick in for short-term medical expenses for pain medications, doctor visits and prosthetic devices. They are used in conjunction with a health insurance policy or if you do not have health coverage. Coverage applies to not only the driver but also the vehicle occupants and will also cover getting struck while a pedestrian. PIP coverage is not available in all states but it provides additional coverages not offered by medical payments coverage
Liability coverages – This provides protection from injuries or damage you cause to other people or property that is your fault. It protects YOU against claims from other people, and does not provide coverage for your injuries or vehicle damage.
Coverage consists of three different limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You might see liability limits of 25/50/25 that means you have a $25,000 limit per person for injuries, a limit of $50,000 in injury protection per accident, and a total limit of $25,000 for damage to vehicles and property. Some companies may use a combined single limit or CSL which combines the three limits into one amount with no separate limits for injury or property damage.
Liability can pay for claims such as loss of income, medical expenses and pain and suffering. How much liability coverage do you need? That is your choice, but buy higher limits if possible.
Collision coverages – This coverage will pay to fix damage to your Sienna resulting from a collision with another vehicle or an object, but not an animal. A deductible applies and then insurance will cover the remainder.
Collision coverage pays for things like rolling your car, sustaining damage from a pot hole, colliding with another moving vehicle, hitting a parking meter and sideswiping another vehicle. Collision is rather expensive coverage, so consider dropping it from vehicles that are older. Another option is to increase the deductible to bring the cost down.
Comprehensive (Other than Collision) – This pays to fix your vehicle from damage from a wide range of events other than collision. You need to pay your deductible first then your comprehensive coverage will pay.
Comprehensive coverage pays for claims like fire damage, damage from flooding and damage from a tornado or hurricane. The most you’ll receive from a claim is the market value of your vehicle, so if the vehicle’s value is low consider removing comprehensive coverage.
Protection from uninsured/underinsured drivers – This protects you and your vehicle when other motorists either are underinsured or have no liability coverage at all. Covered losses include injuries sustained by your vehicle’s occupants as well as your vehicle’s damage.
Since many drivers have only the minimum liability required by law, it only takes a small accident to exceed their coverage. For this reason, having high UM/UIM coverages is a good idea. Frequently your uninsured/underinsured motorist coverages are identical to your policy’s liability coverage.
Saving money is sweet as honey
The cheapest 2012 Toyota Sienna insurance can be found online in addition to many insurance agents, and you need to price shop both in order to have the best price selection to choose from. A few companies do not provide the ability to get a quote online and most of the time these smaller companies sell through independent agents.
Consumers change insurance companies for a number of reasons such as not issuing a premium refund, high prices, denial of a claim or an unsatisfactory settlement offer. Regardless of your reason for switching companies, switching auto insurance companies is easier than you think.
While you’re price shopping online, never buy less coverage just to save a little money. There have been many situations where an insured cut liability limits or collision coverage only to discover later they didn’t purchase enough coverage. The aim is to buy enough coverage at a price you can afford while still protecting your assets.
To read more, feel free to visit the resources below:
- Steps to Take After an Auto Accident (Insurance Information Insitute)
- Parking Tips to Reduce Door Dings (State Farm)
- Avoiding Deer Collisions (Insurance Information Insitute)
- Five Mistakes to Avoid (Insurance Information Insitute)
Frequently Asked Questions
How can I get lower rates on Toyota Sienna insurance?
Comparison shopping is key to finding the lowest rates. Here are some tips:
- Use online tools to compare quotes from multiple companies.
- Ask each insurance company about available discounts.
- Ensure that you provide identical information for each quote to make a fair comparison.
What are some discounts that may help lower my car insurance rates?
Discounts can vary by insurance company, but here are some common ones:
- Safe driver discount
- Multi-policy discount
- Good student discount
- Anti-theft device discount
- Low mileage discount
How can I tailor my coverage to my needs?
Determining the right coverage for your personal vehicles depends on various factors. Consider asking yourself the following questions:
- Do I need coverage for medical expenses and personal injury protection?
- What liability coverage limits do I require?
- Should I include collision coverage?
- Do I need comprehensive coverage for non-collision damage?
- Is protection from uninsured/underinsured drivers necessary for me?
Why do car insurance companies claim to offer savings when switching?
Insurance companies target certain types of drivers that are more profitable for them. By advertising savings when switching, they are referring to drivers who meet their preferred criteria. It’s important to compare rates from multiple companies to find the best deal for your specific circumstances.
What are the main types of car insurance coverages?
Understanding the different coverages in a car insurance policy can help you make informed decisions. Here are some common types:
- Liability coverage: Protects against injuries or damage caused to others.
- Medical expense insurance/PIP: Covers short-term medical expenses.
- Collision coverage: Pays for damages resulting from collisions with other vehicles or objects.
- Comprehensive coverage: Covers non-collision damage, such as from fire, flood, or theft.
- Uninsured/underinsured motorist coverage: Protects against drivers without sufficient liability coverage.
How can I save money on auto insurance?
To save money on auto insurance, consider the following:
- Shop around and compare quotes from different companies.
- Avoid reducing coverage just to save money, as it may leave you underinsured.
- Look for discounts and inquire about available savings with each insurance company.
Frequently Asked Questions
- What is a named operator policy?
- Will Geico insure a car not in my name?
- What Is Covered in a Jeep Powertrain Warranty? 2023
- Cheapest Jeep Insurance Rates in 2023
- Do trucks cost more to insure?
- How long does a DUI stay on your record?
- Does the Porsche Club of America offer car insurance?
- View All Coverage Questions
Popular Rate Quotes
- Toyota Tacoma Insurance
- Kia Forte Insurance
- Toyota Prius Insurance
- Ford F-150 Insurance
- Volkswagen Jetta Insurance
- Ford Edge Insurance
- Honda Civic Insurance
- Nissan Rogue Insurance
- Honda CR-V Insurance
Compare Rates and Save
Find companies with the cheapest rates in your area