Save Money on Toyota Sienna Insurance in San Diego

Toyota Sienna insurance image courtesy of QuoteInspector.com

Want to learn how to buy lower-priced car insurance rates in San Diego, CA? San Diego shoppers have lots of choices when shopping for the lowest priced Toyota Sienna insurance. They can either spend hours contacting agents to compare prices or save time using the internet to find the lowest rates.

There are both good and bad ways to find car insurance online and we'll show you the quickest way to quote coverages for your Toyota and locate the lowest price either online or from San Diego insurance agents.

It's a good idea to take a look at other company's rates yearly since prices are adjusted regularly by insurance companies. Even if you got the best rates on Toyota Sienna insurance in San Diego two years ago the chances are good that you can find a lower rate quote today. Forget anything you know (or think you know) about car insurance because it's time to teach you how to quote online to lower your annual insurance bill.

How to Lower Your Insurance Premiums

Part of the auto insurance buying process is learning a few of the rating criteria that are used to determine the rates you pay for auto insurance. When you know what positively or negatively impacts premium levels, this empowers consumers to make smart changes that can earn you lower rates. Many things are considered when you quote your car insurance policy. Some are obvious like an MVR report, but other criteria are not as apparent like where you live or your commute time.

The list below includes some of the items utilized by car insurance companies to help set prices.

• Protect yourself with liability coverage - The liability section of your policy will afford coverage if ever a jury decides you are liable for an accident. Your liability coverage provides you with a defense in court which can cost thousands of dollars. Liability insurance is quite affordable as compared to coverage for physical damage, so do not skimp.
• Gender as a rate factor - The statistics show that females tend to be a little less risky than males. It does not mean males are worse at driving than females. Females and males cause auto accidents in similar percentages, but guys cause more damage and cost insurance companies more money. Men also receive more costly citations like reckless driving and DUI.
• Premiums are affected by your address - Having an address in areas with lower population has definite advantages when buying auto insurance. Fewer drivers corresponds to lower accident rates and lower theft and vandalism rates. People in densely populated areas regularly have more aggressive driving styles and higher rates of accident claims. More time on the road means higher likelihood of an accident.
• Keep rates low by being claim-free - If you file a lot of claims you can pretty much guarantee increased rates or even have your policy non-renewed. Companies in California award lower rates to drivers who are not frequent claim filers. Auto insurance is designed for the large, substantial claims.
• Auto insurance rates and your employer - Careers such as military personnel, air traffic controllers, and accountants generally have the highest average rates in part from high stress levels and incredibly demanding work hours. On the other hand, occupations such as professors, historians and performers get better rates.
• Toyota Sienna insurance claim data - Insurers use statistical claims data as a way to help calculate a profitable premium price. Vehicles that the data shows to have higher losses will have increased rates. The table shown below demonstrates the insurance loss data used by companies for Toyota Sienna vehicles.
  
  For each type of coverage, the claim probability for all vehicles, regardless of make, model or trim level, is a value of 100. Values under 100 indicate a favorable loss history, while values that are above 100 indicate more frequent claims or larger claims.

  Toyota Sienna Insurance Loss Statistics

  Vehicle Model	Collision	Property Damage	Comp	Personal Injury	Medical Payment	Bodily Injury
  Toyota Sienna 2WD	99	88	99	94	98	85
  Toyota Sienna 4WD	106	94	102	75	65	73

  BETTER

  AVERAGE

  WORSE

  Statistics from IIHS.org for 2013-2015 Model Years

How to get cheap Toyota Sienna insurance in San Diego, CA

All the larger car insurance companies give prices on their websites. Doing online price comparisons for Toyota Sienna insurance in San Diego doesn't take much effort as you simply type in your required coverages into a form. Upon sending the form, their system will order your driving and credit reports and returns a price based on the information you submitted.

The ability to get online quotes for Toyota Sienna insurance in San Diego makes it simple to compare prices and it's also necessary to get many rate quotes if you want to get affordable rates.

In order to compare pricing, check out the car insurance providers below. If you have a policy now, it's recommended you complete the form with the limits and deductibles as shown on your current policy. Doing this guarantees you will receive a rate comparison using the same coverage and limits.

The following companies offer free rate quotes in California. If multiple companies are listed, we suggest you compare several of them to get the best price comparison.

Above prices assume single female driver age 30, no speeding tickets, no at-fault accidents, $100 deductibles, and California minimum liability limits. Discounts applied include homeowner, claim-free, multi-policy, safe-driver, and multi-vehicle. Prices do not factor in specific San Diego garaging location which can revise premium rates significantly.

Irresponsible driving raises your rates

The diagram below demonstrates how citations and at-fault claims can influence Toyota Sienna yearly insurance costs for different age categories. The premium estimates are based on a married male driver, comp and collision included, $100 deductibles, and no other discounts are factored in.

Gender-based auto insurance rates by age in San Diego

The example below shows the difference between Toyota Sienna car insurance rates for male and female drivers. The price estimates are based on no accidents or driving violations, comp and collision included, $250 deductibles, single marital status, and no discounts are applied.

Physical damage deductibles: Should you raise them?

The illustration below shows how choosing a deductible and can influence Toyota Sienna insurance premiums for different ages of insureds. Data assumes a married male driver, comprehensive and collision coverage, and no additional discounts are factored in.

Do drivers who switch really save?

Consumers in California can't get away from ads that claim the lowest premium rates by 21st Century, Allstate and State Farm. They all seem to seem to make the promise of big savings after switching your coverage.

That's great but how can every company cost less than your current company? It's all in how they say it.

Most companies have underwriting criteria for the type of driver that will most likely be profitable. A good example of a driver they prefer might be a female over age 40, owns a home, and drives less than 10,000 miles a year. Any customer who matches those parameters will probably get cheap rates and is almost guaranteed to pay quite a bit less when switching companies.

Potential insureds who cannot meet those criteria will get higher prices which usually ends up with the customer buying from a different company. The trick companies use is to say "people that switch" not "everyone that quotes" save that much. That's the way insurance companies can make those claims.

Each company has different criteria, so drivers should get San Diego car insurance quotes as often as possible. Because you cannot predict which auto insurance company will give you lower premium rates than your current company.

Why you need insurance for your Sienna

Even though it's not necessarily cheap to insure a Toyota in San Diego, paying for auto insurance serves several important purposes.

First, just about all states have mandatory insurance requirements which means the state requires a specific minimum amount of liability insurance coverage in order to be legal. In California these limits are 15/30/5 which means you must have $15,000 of bodily injury coverage per person, $30,000 of bodily injury coverage per accident, and $5,000 of property damage coverage.

Second, if you bought your car with a loan, more than likely the lender will make it mandatory that you buy insurance to guarantee loan repayment. If you do not keep the policy in force, the lender will be forced to insure your Toyota at a much higher premium rate and force you to reimburse them the higher price.

Third, auto insurance preserves both your Toyota and your personal assets. It will also provide coverage for many types of medical costs that are the result of an accident. As part of your policy, liability insurance will also pay attorney fees in the event you are sued. If your car is damaged in a storm or accident, comprehensive and/or collision insurance will cover the damage repairs after a deductible is paid.

The benefits of carrying adequate insurance are definitely more than the cost, particularly if you ever have a claim. In a recent study of 1,000 drivers, the average customer is currently overpaying as much as $800 each year so you should quote rates every year to help ensure money is not being wasted.

Discounts can help lower premiums on Toyota Sienna insurance in San Diego

Buying car insurance is not cheap, but there may be some discounts that many consumers don't even know exist. A few discounts will be applied when you get a quote, but once in a while a discount must be requested specifically before you get the savings. If they aren't giving you every credit possible, you could be saving more on your car insurance.

• Anti-theft System - Cars optioned with advanced anti-theft systems are stolen with less frequency so companies will give you a small discount.
• Senior Citizen Rates - Drivers over the age of 55 may be able to get lower premium rates.
• Save with a New Car - Insuring a new Sienna may earn a small discount because new model year vehicles are generally safer.
• Auto/Home Discount - If you insure your home and vehicles and insure them both with the same insurance company you will save at least 10 to 15 percent or more.
• Accident Forgiveness Coverage - This one is not really a discount per se, but companies like State Farm and Progressive will turn a blind eye to one accident without raising rates as long as you don't have any claims prior to being involved in the accident.
• Defensive Driver Discounts - Taking a defensive driving course may get you a small discount depending on where you live.
• Distant Student - Kids who are attending college and leave their car at home could qualify for this discount.

It's important to understand that most of the big mark downs will not be given to the entire policy premium. Most only cut specific coverage prices like liability and collision coverage. So when it seems like having all the discounts means you get insurance for free, companies wouldn't make money that way.

A few of the larger companies and a selection of discounts can be read below.

• State Farm offers discounts for safe vehicle, anti-theft, Drive Safe & Save, Steer Clear safe driver discount, student away at school, driver's education, and multiple autos.
• GEICO may offer discounts for membership and employees, defensive driver, daytime running lights, air bags, anti-theft, and driver training.
• Progressive may have discounts that include good student, online signing, continuous coverage, multi-vehicle, homeowner, and multi-policy.
• 21st Century has discounts for anti-lock brakes, early bird, driver training, student driver, and good student.
• American Family includes discounts for defensive driver, TimeAway discount, good driver, good student, multi-vehicle, air bags, and bundled insurance.
• The Hartford may include discounts for driver training, anti-theft, defensive driver, good student, vehicle fuel type, air bag, and bundle.
• AAA policyholders can earn discounts including good driver, multi-policy, AAA membership discount, education and occupation, anti-theft, good student, and multi-car.

If you want inexpensive San Diego car insurance quotes, ask every insurance company which discounts you qualify for. Some of the discounts discussed earlier might not be offered on policies in every state. To choose car insurance companies that offer discounts in California, click this link.

When should I contact an agent?

A small number of people would prefer to buy from a licensed agent and that can be a great decision Agents can help determine the best coverages and help submit paperwork. One of the best bonuses of getting free rate quotes online is you may find cheap rate quotes and still choose a local agent. Buying insurance from neighborhood insurance agencies is especially important in San Diego.

For easy comparison, once you complete this quick form, the quote information is sent to insurance agents in San Diego who want to provide quotes for your insurance coverage. It's much easier because you don't need to search for any insurance agencies due to the fact that quote results will go directly to you. If you have a need to get a price quote from a particular provider, you would need to visit that company's website to submit a rate quote request.

Shown below is a short list of insurers in San Diego willing to provide price quotes for Toyota Sienna insurance in San Diego.

• Allstate Insurance: Patrick Wang
  8650 Genesee Ave Ste 108 - San Diego, CA 92122 - (858) 623-3344 - View Map
• Bill Flanigan - State Farm Insurance Agent
  8888 Clairemont Mesa Blvd n - San Diego, CA 92123 - (858) 279-2173 - View Map
• Lisa Keith - State Farm Insurance Agent
  1635 Rosecrans St b - San Diego, CA 92106 - (619) 694-4788 - View Map
• Dave Murphy - State Farm Insurance Agent
  12121 Scripps Summit Dr Ste 100 - San Diego, CA 92131 - (858) 621-6681 - View Map

More insurance agents

Finding the right provider requires you to look at more than just a cheap price. Below are some questions you should ask.

• Does the agency have a current Errors and Omissions policy?
• Is coverage determined by price?
• Are they properly licensed to sell insurance in California?
• In the event of vehicle damage, can you pick the collision repair facility?
• Are there any discounts for paying up front?
• How many years have they been established?
• If you are a high risk driver, do they have special markets for your coverage?
• Is every driver in your family covered?

Special considerations

Always remember that when buying the best insurance coverage, there isn't really a "perfect" insurance plan. Coverage needs to be tailored to your specific needs.

These are some specific questions may help highlight if your situation might need professional guidance.

• How can I get my company to pay me more for my totalled car?
• What is the rate difference between pleasure use and commuting?
• Am I covered when renting a car or should I buy coverage from the car rental agency?
• Do I need replacement cost coverage?
• What companies insure drivers after a DUI or DWI?
• How much liability do I need to cover my assets?
• Is my vehicle covered by my employer's policy when using it for work?

If you don't know the answers to these questions, then you may want to think about talking to a licensed insurance agent. If you don't have a local agent, complete this form. It only takes a few minutes and you can get the answers you need.

Smart consumers save more

In this article, we presented a lot of ways to shop for Toyota Sienna insurance online. The most important thing to understand is the more quotes you get, the higher the chance of saving money. Drivers may even discover the lowest priced auto insurance comes from the least-expected company.

Cheap Toyota Sienna insurance in San Diego can be found both online and from local agencies, so get free San Diego car insurance quotes from both of them in order to have the best price selection to choose from. Some insurance providers may not provide rate quotes online and most of the time these regional insurance providers sell through independent agents.

When trying to cut insurance costs, it's not a good idea to skimp on critical coverages to save a buck or two. In many instances, someone sacrificed uninsured motorist or liability limits only to find out they didn't have enough coverage. Your strategy should be to buy a smart amount of coverage at the best price while not skimping on critical coverages.

To learn more, take a look at the articles below:

• Rental Reimbursement Coverage (Allstate)
• Who Has the Cheapest San Diego Auto Insurance Rates for Immigrants? (FAQ)
• Who Has Cheap Car Insurance Quotes for Drivers Over Age 60 in San Diego? (FAQ)
• What Auto Insurance is Cheapest for Teachers in San Diego? (FAQ)
• Who Has Affordable San Diego Car Insurance Quotes for Retired Military? (FAQ)
• Red Light Cameras (State Farm)
• Warning systems don't curb driver distraction (Insurance Institute for Highway Safety)
• Side Impact Crash Tests (iihs.org)