Cheapest 1995 Toyota Tercel Insurance Rates in 2024

Drivers have lots of choices when trying to find affordable Toyota Tercel insurance. They can either spend hours contacting agents to get rate comparisons or save time using the internet to get rate quotes.

There are both good and bad ways to shop for auto insurance and you need to know the quickest way to get price quotes for a Toyota and locate the lowest price either online or from local insurance agents.

Auto Insurance Quote Comparison

There are several ways to compare Toyota Tercel auto insurance quotes, but some are more efficient than others. You could spend your day driving to agents in your area, or you could save time and use the internet to get prices fast.

The majority of car insurance companies belong to a marketplace where prospective buyers complete one form, and at least one company then returns a price quote determined by their information. This system prevents you from having to do form submissions for each company you want a rate for. To access this free quoting program, click here (opens in new window).

The only drawback to pricing coverage this way is you cannot specify which insurance companies to receive prices from. If you would rather choose specific providers to compare rates, we have a page of the cheapest auto insurance companies in your area. View list of insurance companies.

Whichever method you choose, ensure you’re using the exact same quote information on every quote you get. If you are comparing unequal deductibles or liability limits it’s impossible to find the best deal for your Toyota Tercel.

How do I know if I need professional advice?

When buying coverage for your vehicles, there really is not a one size fits all plan. Every situation is different.

These are some specific questions may help you determine whether your personal situation will benefit from professional help.

• Should I put collision coverage on all my vehicles?
• What are the financial responsibility laws in my state?
• Will I be non-renewed for getting a DUI or other conviction?
• What can I do if my company denied a claim?
• Will my vehicle be repaired with OEM or aftermarket parts?
• Am I better off with higher deductibles on my 1995 Toyota Tercel?

If you can’t answer these questions, then you may want to think about talking to a licensed agent. To find lower rates from a local agent, take a second and complete this form. It only takes a few minutes and can provide invaluable advice.

Car insurance coverage information

Learning about specific coverages of a insurance policy helps when choosing appropriate coverage and proper limits and deductibles. Insurance terms can be impossible to understand and coverage can change by endorsement.

Comprehensive insurance

This pays to fix your vehicle from damage caused by mother nature, theft, vandalism and other events. You first have to pay a deductible and then insurance will cover the rest of the damage.

Comprehensive coverage protects against claims such as falling objects, a tree branch falling on your vehicle and damage from a tornado or hurricane. The maximum amount your insurance company will pay is the actual cash value, so if the vehicle is not worth much consider dropping full coverage.

Auto liability

Liability coverage will cover injuries or damage you cause to a person or their property that is your fault. It protects YOU from claims by other people, and does not provide coverage for your own vehicle damage or injuries.

Coverage consists of three different limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. As an example, you may have policy limits of 50/100/50 which stand for a $50,000 limit per person for injuries, a total of $100,000 of bodily injury coverage per accident, and a limit of $50,000 paid for damaged property. Some companies may use one number which is a combined single limit which combines the three limits into one amount rather than limiting it on a per person basis.

Liability can pay for claims such as loss of income, medical expenses and legal defense fees. How much liability coverage do you need? That is a personal decision, but it’s cheap coverage so purchase higher limits if possible.

Coverage for medical expenses

Medical payments and Personal Injury Protection insurance kick in for immediate expenses such as hospital visits, EMT expenses and X-ray expenses. They can be utilized in addition to your health insurance program or if you do not have health coverage. It covers not only the driver but also the vehicle occupants as well as any family member struck as a pedestrian. PIP coverage is not universally available and may carry a deductible

Coverage for uninsured or underinsured drivers

This provides protection when the “other guys” either have no liability insurance or not enough. Covered losses include injuries sustained by your vehicle’s occupants and also any damage incurred to your Toyota Tercel.

Since many drivers carry very low liability coverage limits, it doesn’t take a major accident to exceed their coverage limits. For this reason, having high UM/UIM coverages is a good idea. Frequently these limits do not exceed the liability coverage limits.

Coverage for collisions

This will pay to fix damage to your Tercel resulting from colliding with another vehicle or an object, but not an animal. You first must pay a deductible then the remaining damage will be paid by your insurance company.

Collision coverage protects against claims like hitting a parking meter, sustaining damage from a pot hole, colliding with another moving vehicle, scraping a guard rail and colliding with a tree. Paying for collision coverage can be pricey, so consider dropping it from vehicles that are older. Drivers also have the option to choose a higher deductible to bring the cost down.

Use our FREE quote tool to compare rates now!