How Much Does 2013 Toyota Yaris 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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Having to pay for overpriced car insurance can dwindle your savings account and make it hard to pay other bills. Comparison shopping is free and is an excellent way to lower your monthly bill.

You have so many insurance companies to pick from, and though it is a good thing to have a choice, it can be more difficult to compare rates and find the lowest cost car insurance.

You should take the time to compare prices yearly because insurance rates are rarely the same from one policy term to another. Despite the fact that you may have had the best price for Yaris insurance a few years ago you can probably find a better price now. So just ignore everything you know about car insurance because it’s time to teach you how to quote online to lower your annual insurance bill.

The purpose of this article is to instruct you on the best way to quote coverages and some money-saving tips. If you have car insurance now, you should be able to reduce your rates substantially using these techniques. Although car owners benefit from understanding how big insurance companies price online insurance and apply this information to your search.

Do you qualify for a discount?

Insurance can be prohibitively expensive, but you may find discounts that you may not know about. Some trigger automatically when you purchase, but lesser-known reductions have to be specifically requested before being credited.

  • Driver Safety – Successfully completing a course in driver safety could possibly earn you a 5% discount depending on where you live.
  • One Accident Forgiven – Certain companies allow you one accident before hitting you with a surcharge if your claims history is clear for a particular time prior to the accident.
  • Student Driver Training – Require your teen driver to complete a driver education course in school.
  • Own a Home – Owning a house can help you save on insurance because maintaining a house requires personal responsibility.
  • Payment Discounts – By paying your policy upfront instead of monthly or quarterly installments you could save up to 5%.
  • Drive Less and Save – Keeping the miles down on your Toyota could qualify for a substantially lower rate.
  • Life Insurance Discount – Larger companies have a break if you buy a life insurance policy as well.
  • Braking Control Discount – Vehicles with anti-lock braking systems prevent accidents and qualify for as much as a 10% discount.
  • 55 and Retired – If you’re over the age of 55, you may receive reduced rates for Yaris insurance.

Consumers should know that many deductions do not apply to the overall cost of the policy. Some only apply to the price of certain insurance coverages like liability and collision coverage. So when the math indicates adding up those discounts means a free policy, it just doesn’t work that way. Any amount of discount will bring down your premiums.

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

What coverages do I need?

When it comes to choosing proper insurance coverage for your personal vehicles, there is no perfect coverage plan. Your needs are not the same as everyone else’s so your insurance needs to address that. For example, these questions might help in determining whether you would benefit from professional advice.

  • How can I get high-risk coverage after a DUI?
  • Can I afford low physical damage deductibles?
  • Do I have coverage for damage caused while driving under the influence?
  • What is the rate difference between pleasure use and commuting?
  • Does my personal policy cover me when driving out-of-state?
  • Is my babysitter covered when using my vehicle?
  • Does my liability insurance cover pulling a trailer or camper?
  • Is borrowed equipment or tools covered if stolen or damaged?

If you can’t answer these questions but a few of them apply, you might consider talking to 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.

Slick advertising tricks that work

Insurance coverage companies such as State Farm, GEICO and Progressive constantly bombard you with ads in print and on television. They all seem to have a common claim about savings if you switch your policy. But how can every company make almost identical claims?

Insurance companies are able to cherry pick for the right customer that makes them money. For instance, a profitable customer might be over the age of 50, is a homeowner, and has a short commute. Any new insured who meets those qualifications will get very good rates and is almost guaranteed to save when they switch companies.

Drivers who don’t measure up to the requirements will be quoted higher prices which usually ends up with business going elsewhere. The ad wording is “people who switch” not “people who quote” save that much. That’s the way companies can truthfully advertise the way they do.

This emphasizes why it’s extremely important to compare as many rates as you can. It’s not possible to predict which insurance companies will fit your personal profile best.

Car insurance 101

Having a good grasp of insurance can be of help when determining the best coverages for your vehicles. The coverage terms in a policy can be confusing and nobody wants to actually read their policy. Listed below are typical coverage types found on the average insurance policy.

Liability auto insurance

This protects you from damages or injuries you inflict on other people or property that is your fault. This insurance protects YOU from claims by 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. As an example, you may have liability limits of 100/300/100 that means you have a $100,000 limit per person for injuries, $300,000 for the entire accident, and a total limit of $100,000 for damage to vehicles and property. Another option is one limit called combined single limit (CSL) which limits claims to one amount rather than limiting it on a per person basis.

Liability can pay for things such as medical services, pain and suffering, court costs and repair costs for stationary objects. How much coverage you buy is your choice, but it’s cheap coverage so purchase higher limits if possible.

Coverage for medical expenses

Coverage for medical payments and/or PIP pay for expenses for things like nursing services, dental work, rehabilitation expenses and EMT expenses. The coverages can be used to fill the gap from your health insurance program or if you do not have health coverage. Medical payments and PIP cover not only the driver but also the vehicle occupants as well as getting struck while a pedestrian. Personal Injury Protection is not an option in every state but can be used in place of medical payments coverage

Comprehensive insurance

Comprehensive insurance coverage pays for damage that is not covered by collision coverage. You first must pay your deductible then your comprehensive coverage will pay.

Comprehensive coverage protects against claims such as a tree branch falling on your vehicle, damage from flooding and fire damage. The maximum payout you’ll receive from a claim is the actual cash value, so if the vehicle is not worth much consider removing comprehensive coverage.

Collision coverage protection

This pays to fix your vehicle from damage resulting from colliding with a stationary object or other vehicle. A deductible applies and the rest of the damage will be paid by collision coverage.

Collision insurance covers things like hitting a parking meter, scraping a guard rail, rolling your car, crashing into a building and damaging your car on a curb. Collision is rather expensive coverage, so you might think about dropping it from older vehicles. You can also increase the deductible to get cheaper collision coverage.

Coverage for uninsured or underinsured drivers

Your UM/UIM coverage protects you and your vehicle’s occupants when other motorists either are underinsured or have no liability coverage at all. Covered claims include hospital bills for your injuries as well as your vehicle’s damage.

Since many drivers only carry the minimum required liability limits, it doesn’t take a major accident to exceed their coverage limits. This is the reason having UM/UIM coverage is a good idea. Most of the time the UM/UIM limits are identical to your policy’s liability coverage.

Shop Smart and Save

We covered a lot of techniques to get a better price on 2013 Toyota Yaris insurance. The key thing to remember is the more price quotes you have, the higher your chance of finding lower rates. You may be surprised to find that the lowest rates come from a lesser-known regional company. Regional companies may cover specific market segments cheaper than the large multi-state companies such as Progressive and GEICO.

As you shop your coverage around, you should never sacrifice coverage to reduce premiums. There have been many situations where an insured dropped liability coverage limits only to find out they didn’t purchase enough coverage. Your goal should be to purchase a proper amount of coverage for the lowest price while not skimping on critical coverages.

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