2016 Toyota Sienna Insurance Cost in 2024 – 8 Discounts for Best Prices

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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: May 28, 2024

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Searching for lower insurance rates for your Toyota Sienna? Did you come to the realization that you have an overpriced insurance policy? Don’t feel bad because many consumers are feeling buyer’s remorse and feel like there’s no way out.

Many car insurance companies vie for your hard-earned dollar, and it can be difficult to compare rates to find the best rate

It’s important to price shop coverage periodically because rates are variable and change quite frequently. Just because you had the best rate on Sienna coverage a couple years back the chances are good that you can find a lower price today. You can search a lot of insurance online, but in just a couple of minutes you can learn some great ways to slash your insurance rates.

Compare insurance price quotes online

When comparison shopping, there are several ways of comparing rates from insurance companies in your area. The easiest way to do a complete rate comparison consists of shopping online. This is quite simple and can be completed by using one of the methods below.

  1. The most efficient way to get the best comparison quotes is a comparison rater form. This method keeps you from doing repetitive form submissions for every insurance company. Completing one form gets rate comparisons instantly.
  2. A more difficult way to get comparison quotes consists of visiting the website for every company you want to compare and fill out a new quote form. For examples sake, let’s assume you want to view quotes from Auto-Owners, GEICO and Liberty Mutual. To get each rate you have to go to each individual site to enter the same coverage data repeatedly, which explains why we recommend starting with the first method.

Take whichever approach you prefer, but make sure you compare exactly the same coverage limits and deductibles for every company. If you have different deductibles it will be nearly impossible to find the best deal for your Toyota Sienna. Having just a slight variation in limits could mean much higher rates. And when quoting insurance, remember that quoting more will increase your chances of finding lower pricing. Not every company provides rate quotes online, so it’s recommended that you also compare price quotes from the smaller companies as well.

Get lower rates with these eight discounts

Companies offering auto insurance don’t always publicize every possible discount in a way that’s easy to find, so the following is a list of some of the more common in addition to some of the lesser obvious savings tricks you should be using when you buy auto insurance online.

  • Defensive Driver Discounts – Successfully completing a defensive driving course may get you a small discount and make you a better driver.
  • One Accident Forgiven – Not a discount per se, but companies like Allstate and GEICO will let one accident slide before your rates go up as long as you don’t have any claims prior to the accident.
  • Driver Education Discount – Require your teen driver to complete a driver education course in high school.
  • Government Employees – Federal government employees may reduce rates when you quote auto insurance on Sienna coverage with select insurance companies.
  • Bundle and Save – If you insure your home and vehicles with the same insurance company you could save up to 20% and get you low cost auto insurance.
  • Low Mileage – Maintaining low annual mileage can earn cheaper rates.
  • Multi-line Discount – If the company offers life insurance, you could get a discount if you purchase some life insurance in addition to your auto policy.
  • Telematics Discount – Insureds who allow their insurance company to monitor their driving habits through the use of a telematics system such as Progressive’s Snapshot and State Farm’s In-Drive may see discounts if their driving habits are good.

We need to note that some credits don’t apply to the overall cost of the policy. Most only cut individual premiums such as comprehensive or collision. Despite the fact that it seems like all the discounts add up to a free policy, company stockholders wouldn’t be very happy. Any amount of discount will reduce the cost of your policy.

A few of the larger companies and a selection of discounts include:

  • State Farm discounts include accident-free, multiple autos, multiple policy, Drive Safe & Save, and good driver.
  • Esurance policyholders can earn discounts including emergency road assistance, paid-in-full, online shopper, multi-car, DriveSense, and good driver.
  • Progressive has savings for online signing, continuous coverage, multi-policy, multi-vehicle, online quote discount, good student, and homeowner.
  • Liberty Mutual may include discounts for safety features, new vehicle discount, multi-policy, good student, new move discount, preferred payment discount, and newly retired.
  • Auto-Owners Insurance may offer discounts for student away at school, teen driver, anti-theft, safe driver, air bags, group or association, and multiple vehicles.
  • GEICO has discounts for daytime running lights, good student, anti-theft, air bags, and seat belt use.

If you need lower rates, check with every insurance company what discounts are available to you. All car insurance discounts may not apply to policyholders in your area.

What is the best auto insurance coverage?

When it comes to buying adequate coverage for your personal vehicles, there isn’t really a single plan that fits everyone. Coverage needs to be tailored to your specific needs so this has to be addressed. For example, these questions could help you determine whether or not you might need an agent’s assistance.

  • Is upholstery damage covered by car insurance?
  • When would I need additional glass coverage?
  • Does my policy cover my teen driver if they drive my company car?
  • What can I do if my company denied a claim?
  • Does my 2016 Toyota Sienna qualify for pleasure use?
  • Why do I only qualify for high-risk insurance?
  • Should I drop comprehensive coverage on older vehicles?
  • What companies insure drivers after a DUI or DWI?

If you can’t answer these questions but a few of them apply, you may need to chat with a licensed insurance agent. If you don’t have a local agent, take a second and enter your zip code.

Car insurance coverage options for a 2016 Toyota Sienna

Learning about specific coverages of your car insurance policy aids in choosing the right coverages at the best deductibles and correct limits. Policy terminology can be confusing and coverage can change by endorsement. Shown next are the usual coverages found on most car insurance policies.

Comprehensive insurance – This coverage pays for damage OTHER than collision with another vehicle or object. A deductible will apply then the remaining damage will be covered by your comprehensive coverage.

Comprehensive can pay for claims such as vandalism, a tree branch falling on your vehicle, hitting a deer and fire damage. The most you’ll receive from a claim is the cash value of the vehicle, so if it’s not worth much more than your deductible it’s probably time to drop comprehensive insurance.

Med pay and Personal Injury Protection (PIP) – Med pay and PIP coverage provide coverage for short-term medical expenses such as funeral costs, chiropractic care, hospital visits and prosthetic devices. The coverages can be used to cover expenses not covered by your health insurance program or if you are not covered by health insurance. Coverage applies to you and your occupants as well as if you are hit as a while walking down the street. PIP coverage is not universally available but it provides additional coverages not offered by medical payments coverage

Auto liability – Liability coverage protects you from damage that occurs to people or other property. Liability coverage has three limits: bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You commonly see values of 25/50/25 which stand for a $25,000 limit per person for injuries, a total of $50,000 of bodily injury coverage per accident, and property damage coverage for $25,000. Another option is one number which is a combined single limit that pays claims from the same limit rather than limiting it on a per person basis.

Liability coverage protects against claims like pain and suffering, bail bonds, loss of income, court costs and attorney fees. How much liability coverage do you need? That is your choice, but consider buying higher limits if possible.

Collision coverages – This 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 the rest of the damage will be paid by collision coverage.

Collision coverage pays for things such as colliding with another moving vehicle, rolling your car and sustaining damage from a pot hole. This coverage can be expensive, so you might think about dropping it from vehicles that are older. Drivers also have the option to bump up the deductible to save money on collision insurance.

Uninsured/Underinsured Motorist (UM/UIM) – Uninsured or Underinsured Motorist coverage provides protection when other motorists either are underinsured or have no liability coverage at all. Covered losses include injuries sustained by your vehicle’s occupants and also any damage incurred to your Toyota Sienna.

Since a lot of drivers only carry the minimum required liability limits, it doesn’t take a major accident to exceed their coverage limits. For this reason, having high UM/UIM coverages is important protection for you and your family. Frequently these coverages are set the same as your liability limits.

More comparisons equals lower rates

While you’re price shopping online, you should never reduce needed coverages to save money. There have been many cases where drivers have reduced full coverage to discover at claim time that the few dollars in savings costed them thousands. The ultimate goal is to get the best coverage possible at the lowest possible cost, but do not sacrifice coverage to save money.

In this article, we presented quite a bit of information on how to compare 2016 Toyota Sienna insurance car insurance rates online. The most important thing to understand is the more price quotes you have, the better chance you’ll have of finding low cost auto insurance. You may even find the lowest priced insurance coverage comes from an unexpected company. These companies may have significantly lower premium rates on certain market segments compared to the large companies like Allstate, GEICO and Progressive.

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