2017 Toyota Sienna Insurance Cost in 2024 – 8 Ways to Save

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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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Trying to find the cheapest auto insurance rates for your Toyota Sienna? Cutting costs on Driversauto insurance may be slightly frustrating for drivers who are new to online rate comparisons. There are so many companies to choose from that it can easily turn into a burden to compare prices.

If you have car insurance now, you will most likely be able to lower your premiums substantially using these tips. This information will introduce you to how to effectively get price quotes. Although vehicle owners do need to understand the way companies market insurance on the web and apply this information to your search.

Discounts can really help to save

Companies that sell car insurance do not advertise every possible discount very well, so we researched a few of the more well known as well as some of the hidden discounts you could be receiving when you buy auto insurance online.

  • Student Driver Training – Have your child take driver’s ed class as it can save substantially.
  • Discounts for New Vehicles – Buying a new car model can be considerably cheaper compared to insuring an older model.
  • Own a Home – Owning a home may trigger a policy discount on auto insurance because it is proof of financial responsibility.
  • Save over 55 – Mature drivers can get lower premium rates for Sienna coverage.
  • Safe Driver Discounts – Drivers without accidents can pay as much as 50% less for Sienna coverage compared to accident prone drivers.
  • Professional Memberships – Being in a civic or occupational organization could trigger savings on auto insurance.
  • Defensive Driver Discounts – Taking a defensive driving course could earn you a small percentage discount if you qualify.
  • Waiver for an Accident – Not necessarily a discount, but some insurance companies will turn a blind eye to one accident without raising rates with the catch being you have to be claim-free prior to the accident.

You can save money using discounts, but most of the big mark downs will not be given to the whole policy. Most only cut specific coverage prices like liability and collision coverage. If you do the math and it seems like you could get a free auto insurance policy, you’re out of luck.

A list of auto insurance companies and some of the discounts are outlined below.

  • Progressive may have discounts that include multi-vehicle, online quote discount, homeowner, multi-policy, good student, and online signing.
  • AAA offers discounts including multi-policy, AAA membership discount, multi-car, education and occupation, and anti-theft.
  • Farmers Insurance discounts include multi-car, business and professional, switch companies, homeowner, early shopping, teen driver, and distant student.
  • GEICO may offer discounts for multi-policy, driver training, daytime running lights, anti-lock brakes, membership and employees, emergency military deployment, and military active duty.
  • Esurance has discounts for good driver, DriveSense, Pac-12 alumni, Switch & Save, multi-car, multi-policy, and paid-in-full.
  • SAFECO includes discounts for multi-car, drive less, anti-theft, bundle discounts, safe driver, and anti-lock brakes.
  • State Farm offers discounts for safe vehicle, Drive Safe & Save, good student, anti-theft, passive restraint, and Steer Clear safe driver discount.

Check with each company or agent to apply every possible discount. Some credits might not apply in your state. If you would like to view companies who offer online auto insurance quotes, enter your zip code here.

Will just any policy work for me?

When it comes to buying proper insurance coverage for your vehicles, there is no “best” method to buy coverage. Everyone’s situation is a little different.

These are some specific questions can aid in determining if you would benefit from an agent’s advice.

  • Can I afford low physical damage deductibles?
  • At what point should I drop full coverage?
  • When should I drop full coverage on my 2017 Toyota Sienna?
  • What is the rate difference between pleasure use and commuting?
  • When would I need rental car insurance?
  • Do all my vehicles need collision coverage?
  • What happens if I owe more than my 2017 Toyota Sienna is worth?
  • Am I covered if I drive in a foreign country?

If it’s difficult to answer those questions but you know they apply to you, then you may want to think about talking to a licensed insurance agent. To find an agent in your area, take a second and enter your zip code.

Don’t believe everything you hear

Insurance coverage providers like Allstate, GEICO and Progressive continually stream television and radio advertisements. All the companies try to convey promises about savings just by moving your insurance coverage policy to them. How do they all give you a better price? This is the trick they use.

Insurance companies are able to cherry pick for the type of insured that will generate a profit. A good example of this type of insured may need to be over the age of 45, insures multiple vehicles, and has excellent credit. Anyone who matches those parameters receive the lowest rate quotes and will save a lot of money.

Potential insureds who are not a match for the requirements will be quoted more expensive rates and this results in business not being written. If you listen closely, the ads state “customers that switch” not “everyone who quotes” save that kind of money. That’s the way insurance companies can make those claims. Because of the profiling, you should get price quotes at each policy renewal. It is impossible to guess which company will have the lowest rate quotes.

Car insurance specifics

Understanding the coverages of your policy can be of help when determining appropriate coverage for your vehicles. The terms used in a policy can be ambiguous and nobody wants to actually read their policy.

Collision coverage – This coverage covers damage to your Sienna resulting from colliding with another vehicle or an object, but not an animal. You have to pay a deductible and then insurance will cover the remainder.

Collision coverage pays for things like hitting a parking meter, damaging your car on a curb, hitting a mailbox and crashing into a building. Collision coverage makes up a good portion of your premium, so analyze the benefit of dropping coverage from lower value vehicles. You can also bump up the deductible to save money on collision insurance.

Med pay and Personal Injury Protection (PIP) – Coverage for medical payments and/or PIP kick in for bills for things like dental work, doctor visits and surgery. They can be used to fill the gap from your health insurance program or if you are not covered by health insurance. It covers all vehicle occupants and also covers being hit by a car walking across the street. Personal Injury Protection is not available in all states and gives slightly broader coverage than med pay

Auto liability – This coverage provides protection from damages or injuries you inflict on other people or property by causing an accident. It protects YOU against claims from other people. It does not cover your injuries or vehicle damage.

It consists of 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 values of 100/300/100 which means $100,000 in coverage for each person’s injuries, a total of $300,000 of bodily injury coverage per accident, and a limit of $100,000 paid for damaged property.

Liability insurance covers things like bail bonds, attorney fees, pain and suffering, structural damage and loss of income. How much liability coverage do you need? That is a personal decision, but consider buying higher limits if possible.

Comprehensive insurance – This coverage pays to fix your vehicle from damage OTHER than collision with another vehicle or object. You first have to pay a deductible then your comprehensive coverage will pay.

Comprehensive insurance covers claims such as a tree branch falling on your vehicle, hitting a bird and rock chips in glass. The maximum payout you can receive from a comprehensive claim is the market value of your vehicle, so if your deductible is as high as the vehicle’s value consider removing comprehensive coverage.

Uninsured/Underinsured Motorist (UM/UIM) – This coverage provides protection when the “other guys” either have no liability insurance or not enough. Covered claims include injuries to you and your family and also any damage incurred to your Toyota Sienna.

Since a lot of drivers have only the minimum liability required by law, it doesn’t take a major accident to exceed their coverage limits. That’s why carrying high Uninsured/Underinsured Motorist coverage is important protection for you and your family.

Shop smart and save

More affordable car insurance can be found online and with local insurance agents, so you need to shop auto insurance with both in order to have the best chance of saving money. Some insurance companies may not provide online price quotes and usually these smaller companies work with independent agents.

As you restructure your insurance plan, make sure you don’t reduce needed coverages to save money. Too many times, consumers will sacrifice liability coverage limits only to discover later that their decision to reduce coverage ended up costing them more. Your focus should be to purchase plenty of coverage at an affordable rate.

Consumers leave their current company for any number of reasons including policy non-renewal, lack of trust in their agent, questionable increases in premium and being labeled a high risk driver. Regardless of your reason, switching companies is less work than it seems.

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