2012 Toyota Sienna Car Insurance Quotes – 5 Discounts 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: Dec 3, 2021

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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
  • GEICO
  • Allstate
  • SAFECO
  • Farm Bureau
  • Progressive
  • AAA

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.

  1. 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.
  2. 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:

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