2021 Toyota Sienna Car Insurance Cost 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: May 28, 2024

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Being forced to pay for expensive insurance coverage premiums can empty your budget and force you to make sacrifices. Doing a price comparison is a great way to ensure you are getting the best deal.

Big-name insurance companies like Progressive, State Farm and GEICO continually bombard you with catchy ads and it is difficult to ignore the flashy ads and do the work needed to find the best deal.

If you are insured now or are shopping for new coverage, you can use this information to find the best rates while maintaining coverages. Finding the best rates is not rocket science. Drivers only need an understanding of the most efficient way to shop for car insurance online.

How to shop insurance online

There are several ways to shop for insurance, but there is one way that is less labor-intensive and much quicker. You can waste a few hours (or days) talking about coverages with local insurance agents in your area, or you can utilize online quotes to get pricing more quickly.

Many companies participate in an industry program that enables customers to send in one quote, and each participating company provides a quote based on the submitted data. This saves time by eliminating quotation requests for each company you want a rate for.

To get comparison pricing now enter your zip code here.

The single downside to doing it this way is that consumers can’t choose which insurance companies you want pricing from. So if you want to choose individual companies for rate comparison, we have assembled a list of companies who write insurance in your area. Click to enter zip code.

You can choose any of those ways to find more affordable coverage, but do your best to use exactly the same quote data for each comparison quote. If the quotes have different values for each quote it will be nearly impossible to determine the best price for your Toyota Sienna.

These discounts can lower your auto insurance rates

Some insurance providers don’t always advertise every discount very well, so the list below details some of the more common and the harder-to-find credits that you can use to lower your rates.

  • Theft Prevention Discount – Cars and trucks equipped with anti-theft or alarm systems can help prevent theft and can earn a small discount on your policy.
  • No Claims – Insureds with no claims or accidents pay less in comparison to insureds who have frequent claims or accidents.
  • Multi-policy Discount – When you have multiple policies with the same insurance company you could earn a discount of 10% to 20% off each policy.
  • Data Collection Discounts – People who choose to allow data collection to analyze driving habits by using a telematic data system such as Progressive’s Snapshot and State Farm’s In-Drive may see discounts if they exhibit good driving behavior.
  • Passive Restraint Discount – Options like air bags and/or automatic seat belt systems may qualify for discounts of up to 25% or more.
  • Drivers Ed for Students – Reduce the cost of insurance for teen drivers by having them participate in a local driver’s education class if offered at their school.
  • Defensive Driver Discount – Passing a course that instructs on driving safety could earn you a small percentage discount and make you a better driver.
  • College Student Discount – Older children who live away from home at college without a vehicle on campus may be insured at a cheaper rate.
  • Discounts for Responsible Drivers – Insureds who avoid accidents could pay up to 40% less for Sienna insurance compared to rates paid by drivers with frequent claims.

A quick disclaimer, some credits don’t apply to the entire policy premium. Most only cut the cost of specific coverages such as medical payments or collision. Even though it may seem like it’s possible to get free car insurance, that’s just not realistic.

Popular auto insurance companies and their offered discounts are:

  • State Farm offers discounts for passive restraint, Drive Safe & Save, student away at school, multiple autos, driver’s education, and good driver.
  • Esurance discounts include renters, emergency road assistance, anti-theft, Pac-12 alumni, and multi-policy.
  • Progressive may include discounts for multi-policy, online signing, good student, continuous coverage, multi-vehicle, homeowner, and online quote discount.
  • Liberty Mutual offers premium reductions for teen driver discount, newly married, new vehicle discount, preferred payment discount, and safety features.
  • Auto-Owners Insurance has savings for multiple vehicles, anti-theft, paperless, student away at school, and mature driver.
  • GEICO may offer discounts for air bags, defensive driver, emergency military deployment, seat belt use, and good student.

Double check with all the companies which discounts you qualify for. Savings might not apply in your area. To choose companies that can offer you the previously mentioned discounts, enter your zip code here.

Different people need different insurance coverage coverages

When buying the best insurance coverage coverage, there isn’t really a single plan that fits everyone. Each situation is unique and a cookie cutter policy won’t apply. For instance, these questions can help discover if you might need an agent’s assistance.

  • Am I covered if I crash into my own garage door?
  • Can I afford to buy a different vehicle if my 2021 Toyota Sienna is totaled?
  • Am I covered by my employer’s commercial auto policy when driving my personal car for business?
  • Am I covered when driving someone else’s vehicle?
  • How much underlying liability do I need for an umbrella policy?
  • Am I covered if my car is in a flood?
  • Do I need rental car coverage?
  • Am I covered if I drive in a foreign country?
  • When should I not file a claim?
  • Is my state a no-fault state?

If you can’t answer these questions but one or more may apply to you, you might consider talking to a licensed agent. To find lower rates from a local agent, simply complete your zip code. It only takes a few minutes and may give you better protection.

Specific coverage details

Learning about specific coverages of your policy can be of help when determining appropriate coverage and proper limits and deductibles. The terms used in a policy can be difficult to understand and reading a policy is terribly boring. Listed below are typical coverage types offered by car insurance companies.

Medical expense coverage – Med pay and PIP coverage provide coverage for bills for things like dental work, prosthetic devices, doctor visits, chiropractic care and funeral costs. They can be utilized in addition to your health insurance plan or if there is no health insurance coverage. It covers all vehicle occupants as well as any family member struck as a pedestrian. Personal Injury Protection is not an option in every state and gives slightly broader coverage than med pay

Collision – This will pay to fix damage to your Sienna resulting from a collision with another car or object. A deductible applies and then insurance will cover the remainder.

Collision coverage pays for claims such as hitting a parking meter, colliding with a tree, rolling your car, crashing into a ditch and crashing into a building. Paying for collision coverage can be pricey, so analyze the benefit of dropping coverage from vehicles that are older. It’s also possible to raise the deductible in order to get cheaper collision rates.

Uninsured or underinsured coverage – This provides protection from other drivers when they either have no liability insurance or not enough. Covered losses include hospital bills for your injuries and damage to your 2021 Toyota Sienna.

Due to the fact that many drivers only purchase the least amount of liability that is required, it only takes a small accident to exceed their coverage. For this reason, having high UM/UIM coverages is very important. Usually your uninsured/underinsured motorist coverages do not exceed the liability coverage limits.

Comprehensive protection – Comprehensive insurance pays for damage OTHER than collision with another vehicle or object. You first must pay your deductible and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive insurance covers things like fire damage, a broken windshield and hitting a deer. The highest amount a car insurance company will pay at claim time is the market value of your vehicle, so if the vehicle is not worth much it’s not worth carrying full coverage.

Liability coverage – This coverage protects you from damage or injury you incur to other people or property. This coverage protects you against other people’s claims, and doesn’t cover damage sustained by your vehicle in an accident.

Liability coverage has three limits: bodily injury per person, bodily injury per accident and property damage. As an example, you may have liability limits of 50/100/50 that translate to a $50,000 limit per person for injuries, a total of $100,000 of bodily injury coverage per accident, and a total limit of $50,000 for damage to vehicles and property. Another option is a combined limit that pays claims from the same limit with no separate limits for injury or property damage.

Liability coverage protects against claims like medical expenses, pain and suffering, emergency aid and structural damage. How much liability should you purchase? That is your choice, but buy as high a limit as you can afford.

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