2018 Toyota Yaris Car Insurance Quotes in 2024 – 10 Policy Discounts

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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: Jun 12, 2024

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Buyers have options when searching for low-cost Toyota Yaris insurance. They can either waste time contacting agents getting price quotes or leverage the internet to get rate quotes.

There is a better way to shop for car insurance so we’re going to tell you the quickest way to get price quotes for a Toyota and get the best price possible from local insurance agents and online providers.

Don’t overlook these ten auto insurance discounts

Properly insuring your vehicles can get expensive, but there are discounts available to help offset the cost. Certain credits will be shown at quote time, but some must be requested specifically prior to getting the savings.

  • Driver’s Education for Students – Make teen driver coverage more affordable by requiring them to enroll in driver’s education in school or through a local driver safety program.
  • New Car Discount – Buying a new car instead of a used car can be considerably cheaper because new model year vehicles keep occupants safer.
  • College Student Discount – living away from home attending college and do not have access to a covered vehicle can receive lower rates.
  • Lower Rates for Military – Being on active duty in the military could be rewarded with lower auto insurance rates.
  • Good Students Pay Less – A discount for being a good student can be rewarded with saving of up to 25%. This discount can apply up until you turn 25.
  • Telematics Devices – People who choose to allow their company to spy on driving habits through the use of a telematics system like Drivewise from Allstate or In-Drive from State Farm may get a rate reduction as long as the data is positive.
  • Early Switch Discount – Select companies give a discount for switching companies prior to your current policy expiring. You may see this discount when you get car insurance quotes online.
  • Accident-Free Discounts – Good drivers with no accidents can earn big discounts when compared with drivers with a long claim history.
  • Own a Home – Owning your own home or condo can save a few bucks since home ownership requires personal responsibility.
  • Theft Prevention Discount – Cars and trucks optioned with advanced anti-theft systems are stolen with less frequency so companies will give you a small discount.

You can save money using discounts, but many deductions do not apply to the entire policy premium. Most cut specific coverage prices like liability, collision or medical payments. Just because you may think it’s possible to get free car insurance, that’s just not realistic.

Some of the larger companies that may have some of the above discounts are:

  • State Farm
  • Progressive
  • Progressive
  • MetLife
  • Farm Bureau

Double check with every insurance company which discounts you may be entitled to. Discounts might not be offered in your area. To see a list of auto insurance companies that offer some of these discounts, enter your zip code here.

When to get professional advice

When choosing the right insurance coverage for your personal vehicles, there isn’t really a best way to insure your cars. Everyone’s situation is a little different.

For example, these questions can aid in determining if you might need professional guidance.

  • What should my uninsured motorist coverage limits be in my state?
  • How much can I save by bundling my policies?
  • Is my camper covered by my car insurance policy?
  • Should I buy only the required minimum liability coverage?
  • Is other people’s property covered if stolen from my vehicle?
  • Will my insurance pay for OEM parts?

If it’s difficult to answer those questions, then you may want to think about talking to a licensed insurance agent. To find lower rates from a local agent, fill out your zip code. It’s fast, doesn’t cost anything and you can get the answers you need.

Insurance coverage basics

Knowing the specifics of insurance aids in choosing the best coverages and the correct deductibles and limits. Insurance terms can be ambiguous and coverage can change by endorsement.

Insurance for medical payments – Med pay and PIP coverage pay for bills for pain medications, chiropractic care, X-ray expenses and EMT expenses. They are used to fill the gap from your health insurance policy or if you do not have health coverage. It covers you and your occupants in addition to being hit by a car walking across the street. PIP coverage is not an option in every state but it provides additional coverages not offered by medical payments coverage

Collision – This coverage pays to fix your vehicle from damage caused by collision 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 claims like hitting a parking meter, sideswiping another vehicle, crashing into a building and crashing into a ditch. Paying for collision coverage can be pricey, so consider removing coverage from lower value vehicles. It’s also possible to choose a higher deductible to get cheaper collision coverage.

Comprehensive coverage (or Other than Collision) – 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 coverage protects against claims such as vandalism, fire damage and damage from getting keyed. The maximum payout your insurance company will pay is the actual cash value, so if it’s not worth much more than your deductible it’s probably time to drop comprehensive insurance.

Uninsured Motorist or Underinsured Motorist insurance – This gives you protection from other motorists when they either have no liability insurance or not enough. It can pay for injuries sustained by your vehicle’s occupants and also any damage incurred to your Toyota Yaris.

Since many drivers only purchase the least amount of liability that is required, their liability coverage can quickly be exhausted. That’s why carrying high Uninsured/Underinsured Motorist coverage is a good idea. Frequently these limits are similar to your liability insurance amounts.

Liability – Liability insurance provides protection from damages or injuries you inflict on other’s property or people. It protects YOU from legal claims by others. It does not cover your own vehicle damage or injuries.

Split limit liability has three limits of coverage: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. Your policy might show limits of 50/100/50 which means $50,000 bodily injury coverage, a total of $100,000 of bodily injury coverage per accident, and a total limit of $50,000 for damage to vehicles and property. Occasionally you may see one number which is a combined single limit which limits claims to one amount rather than limiting it on a per person basis.

Liability coverage pays for claims like funeral expenses, court costs, repair bills for other people’s vehicles and legal defense fees. How much coverage you buy is your choice, but buy as much as you can afford.

At the end of the day…

Some insurance providers may not have rates over the internet and many times these small, regional companies prefer to sell through independent insurance agencies. Budget-conscious 2018 Toyota Yaris insurance can be found on the web and from local agencies, and you should compare price quotes from both in order to have the best price selection to choose from.

Consumers change insurance companies for any number of reasons including extreme rates for teen drivers, delays in responding to claim requests, high rates after DUI convictions and lack of trust in their agent. Regardless of your reason for switching companies, choosing a new company is pretty simple and you could end up saving a buck or two.

As you shop your coverage around, it’s not a good idea to buy lower coverage limits just to save a few bucks. There are many occasions where an insured cut liability coverage limits and found out when filing a claim that they should have had better coverage. The goal is to buy enough coverage at an affordable rate but still have enough coverage for asset protection.

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