Save on 2019 Toyota Yaris Insurance Rates in 2024

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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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Looking for the cheapest insurance rates for your Toyota Yaris? Have you had enough of scraping nickels together to pay insurance each month? Your situation is no different than many other consumers.

Numerous insurers battle to insure your vehicles, so it’s not easy to compare every insurer and get the definite best rates possible.

You should take the time to take a look at other company’s rates before your policy renews since insurance rates tend to go up over time. Even if you got the best deal on Yaris insurance two years ago you will most likely find a better price today. Block out anything you think you know about insurance because we’re going to demonstrate the quickest way to find better coverage at a better price.

The Toyota Yaris insurance cost equation

Many different elements are used in the calculation when you quote your car insurance policy. Most are fairly basic like your driving record, but other factors are less apparent such as your marital status or how safe your car is. When buying auto insurance it’s important to understand some of the things that go into determining auto insurance rates. If you know what positively or negatively impacts your premiums, this allows you to make educated decisions that can help you get lower premium levels.

The list below includes a few of the “ingredients” auto insurance companies consider when setting your rates.

  • How many coverages with the same company – Lots of auto insurance companies provide discounts for people who have multiple policies with them, otherwise known as a multi-policy discount. Even with this discount applied, you still need to compare other insurance prices to ensure the best deal.
  • Cars with good safety ratings mean better premiums – Cars with high safety ratings are cheaper to insure. The safest vehicles have better occupant injury protection and lower injury rates translates into savings for insurance companies and lower rates for you.
  • Decrease prices by maintaining coverage – Having a lapse in insurance coverage is a quick way to pay more for auto insurance. In addition to paying higher rates, being ticketed for driving with no insurance may result in a revoked license or a big fine.
  • Additional coverages that may be costing you – There are quite a few extra bells and whistles that may not really be needed on your 2019 Yaris policy. Add-on coverages like rental car reimbursement, high-cost glass coverage, and membership fees are some examples. You may think they are a good idea when discussing your needs, but if they’re wasting money remove them and pocket the money.
  • What are your deductibles? – Physical damage protection, also called ‘full coverage’, helps pay for damage to your vehicle. Examples of covered claims are a broken windshield, vandalism, and burglary. Physical damage deductibles define how much you are willing to pay if a covered claim is submitted. The more you have to pay, the lower your rates will be on Yaris insurance.
  • Vocation impacts premiums – Did you know your job can affect your rates? Careers such as doctors, executives and emergency personnel generally have higher premium rates in part from high stress levels and long work hours. On the other hand, careers such as professors, engineers and homemakers have the lowest average rates on Yaris insurance.

Ways to get insurance quotes

Comparing insurance rates can be exhausting if you don’t understand the fastest way to get free quotes. You could spend the better part of a day driving to local insurance agents in your area, or you could save time and use online quotes to get pricing more quickly.

Many of the larger companies take part in a program that allows shoppers to submit their information once, and each participating company can give them a price. This eliminates the need for quote requests for each company you want a rate for.

To compare rates now enter your zip code here.

The one disadvantage to using this type of system is you don’t know exactly the insurers you want to price. If you prefer to choose specific providers to compare rates, we put together a list of the cheapest insurance companies in your area. Click to enter zip code for insurance companies.

The approach you take is up to you, just be certain you are entering nearly identical information for every quote you compare. If the quotes have unequal deductibles or liability limits it’s impossible to truly determine the lowest rate. Just slight variations in coverages can result in a big premium difference. And when comparison shopping, making a lot of price comparisons will improve the odds of getting a lower rate.

Are you falling for claims of savings?

Companies like Allstate, GEICO and Progressive continually stream television and radio advertisements. They all advertise claims that drivers can save some big amount just by switching your coverage. How do they all give you a better price? Here is the trick they use.

Different companies provide the lowest rates for the type of customer they prefer to insure. A good example of a desirable risk might be described as a married male, owns a home, and drives a vehicle with a low ISO rating. Someone who matches that profile receive the lowest rate quotes and therefore will save a lot of money.

Potential customers who do not meet the requirements may receive higher premiums which translates to the customer not purchasing. If you listen to the ad wording, they say “customers that switch” but not “all drivers who get quotes” save that kind of money. That’s the way insurance companies can make those statements. Because every company is different, drivers should do a price quote comparison at every renewal. It is just not possible to predict with any certainty which company will provide the lowest prices.

Don’t overlook these insurance coverage discounts

Insurance coverage is not an enjoyable expense, but there could be significant discounts that can help lower your rates. Some trigger automatically at the time you complete a quote, but some need to be inquired about before you get the savings.

  • ABS Brakes – Cars, trucks, and SUVs equipped with ABS or steering control are safer to drive and qualify for as much as a 10% discount.
  • Senior Discount – Mature drivers could receive lower premium rates on Yaris insurance.
  • Include Life Insurance and Save – Select insurance coverage companies reward you with a discount if you purchase some life insurance in addition to your auto policy.
  • Own a Home and Save – Owning a home may earn you a small savings due to the fact that maintaining a home shows financial diligence.
  • Drive Less and Save – Maintaining low annual mileage can earn better insurance coverage rates on cars that stay parked.
  • Driver Education Discount – Reduce the cost of insurance for teen drivers by having them successfully take a drivers education course in high school.

Keep in mind that most credits do not apply to the entire cost. Some only reduce individual premiums such as comp or med pay. Even though the math looks like adding up those discounts means a free policy, companies don’t profit that way.

Insurance companies who might offer some of the above discounts include:

  • State Farm
  • Farmers Insurance
  • AAA
  • USAA

Check with all the companies to apply every possible discount. Depending on the company, some discounts might not be offered on policies everywhere. If you would like to see a list of providers with significant discounts, enter your zip code here.

When to get professional advice

When choosing coverage for your vehicles, there really is no “best” method to buy coverage. Each situation is unique so your insurance should reflect that These are some specific questions may help highlight if your insurance needs may require specific advice.

  • Why am I be forced to buy a membership to get insurance from some companies?
  • Will I be non-renewed for getting a DUI or other conviction?
  • How high should deductibles be on a 2019 Toyota Yaris?
  • Is my ex-spouse still covered by my policy?
  • Do I benefit by insuring my home with the same company?
  • Are my friends covered when driving my 2019 Toyota Yaris?
  • Do I need more liability coverage?
  • Is my camper covered by my car insurance policy?

If you don’t know the answers to these questions but one or more may apply to you then you might want to talk to a licensed insurance agent. If you want to speak to an agent in your area, complete your zip code.

Car insurance coverage information

Understanding the coverages of your policy can help you determine the best coverages and proper limits and deductibles. Car insurance terms can be impossible to understand and even agents have difficulty translating policy wording. These are typical coverages available from car insurance companies.

Collision protection

Collision coverage covers damage to your Yaris caused by collision with a stationary object or other vehicle. A deductible applies and the rest of the damage will be paid by collision coverage.

Collision coverage protects against things like damaging your car on a curb, hitting a mailbox, crashing into a ditch and scraping a guard rail. Collision coverage makes up a good portion of your premium, so consider removing coverage from vehicles that are 8 years or older. Another option is to raise the deductible to save money on collision insurance.

UM/UIM Coverage

Your UM/UIM coverage provides protection from other motorists when they either have no liability insurance or not enough. It can pay for hospital bills for your injuries as well as your vehicle’s damage.

Because many people only purchase the least amount of liability that is required, it only takes a small accident to exceed their coverage. That’s why carrying high Uninsured/Underinsured Motorist coverage is a good idea.

Medical costs insurance

Medical payments and Personal Injury Protection insurance reimburse you for bills for things like rehabilitation expenses, hospital visits, X-ray expenses and prosthetic devices. They can be used to fill the gap from your health insurance policy or if you lack health insurance entirely. It covers you and your occupants and will also cover getting struck while a pedestrian. Personal Injury Protection is not universally available but can be used in place of medical payments coverage

Comprehensive or Other Than Collision

Comprehensive insurance coverage will pay to fix damage that is not covered by collision coverage. A deductible will apply then the remaining damage will be covered by your comprehensive coverage.

Comprehensive insurance covers claims like hail damage, theft, damage from getting keyed, damage from a tornado or hurricane and a tree branch falling on your vehicle. The most a car insurance company will pay at claim time is the market value of your vehicle, so if your deductible is as high as the vehicle’s value it’s probably time to drop comprehensive insurance.

Liability insurance

Liability insurance will cover damage that occurs to people or other property that is your fault. It protects YOU from claims by other people. It does not cover your injuries or vehicle damage.

Coverage consists of three different limits, per person bodily injury, per accident bodily injury, and a property damage limit. You commonly see limits of 100/300/100 that translate to 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.

Liability coverage protects against claims such as loss of income, structural damage, attorney fees, medical services and pain and suffering. How much liability should you purchase? That is a personal decision, but consider buying higher limits if possible.

Get your money’s worth

Throughout this article, we presented some good ideas how you can lower your 2019 Toyota Yaris insurance prices. The most important thing to understand is the more quotes you get, the better your comparison will be. Consumers may even find the best prices are with a lesser-known regional company. Some small companies may often insure only within specific states and give getter rates than the large multi-state companies such as State Farm or Progressive.

Low-cost 2019 Toyota Yaris insurance can be bought from both online companies in addition to many insurance agents, and you should be comparing both to have the best selection. Some car insurance companies may not have internet price quotes and usually these small, regional companies only sell coverage through independent insurance agents.

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