Toyota Sienna Insurance Rate Quotes in Jacksonville

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Toyota Sienna insurance policy
Toyota Sienna insurance policy image courtesy of QuoteInspector.com

A recent insurance study discovered that almost 70% of insureds have been with the same company for at least the last four years, and 38% of customers have never shopped around. Consumers in Jacksonville can cut their rates by up to $1,130 a year by just comparing rate quotes, but they underestimate how much savings they would realize if they moved their coverage to a different company.

Insurance for Toyota SiennaIt takes a little time, but the best way to find affordable quotes for car insurance rates in Jacksonville is to start doing an annual price comparison from insurers that insure vehicles in Florida. Drivers can shop around by following these guidelines.

  1. Try to learn about coverages and the factors you can control to keep rates down. Many factors that drive up the price such as traffic violations and a bad credit rating can be remedied by being financially responsible and driving safely. Read the full article for tips to help find cheaper rates and find missing discounts.
  2. Quote rates from direct carriers, independent agents, and exclusive agents. Direct and exclusive agents can only give prices from a single company like GEICO and Allstate, while agents who are independent can quote rates for a wide range of companies.
  3. Compare the new rates to your existing rates to see if switching to a new carrier will save money. If you find a lower rate quote, make sure coverage does not lapse between policies.
  4. Provide notification to your current company to cancel the current policy and submit a signed application and payment to the new company. As soon as you can, store the certificate of insurance above your visor, in the console, or in the glove compartment.

The key thing to know about shopping around is to use similar deductibles and liability limits on each quote request and and to get price estimates from every company you can. This helps ensure a fair price comparison and a better comparison of the market.

Our objective in writing this article is to help educate you on how insurance works and some money-saving tips. If you have coverage now, you will be able to shop for the lowest rates using these tips. Although Florida car owners can benefit from knowing how big insurance companies calculate your policy premium and take advantage of how the system works.

Cheaper rates with these discounts

Companies that sell car insurance do not list all available discounts in a way that's easy to find, so the list below details a few of the more common in addition to some of the lesser obvious credits available to bring down your rates.

  • Seat Belt Usage - Requiring all passengers to buckle up before driving may be able to save a few bucks on the medical payments or PIP coverage costs.
  • Low Mileage Discounts - Fewer annual miles on your Toyota could qualify for slightly better rates than normal.
  • Discount for Good Grades - Being a good student can get you a discount of up to 25%. Earning this discount can benefit you up to age 25.
  • Driving Data Discount - Drivers that enable data collection to analyze driving patterns through the use of a telematics system like Drivewise from Allstate or In-Drive from State Farm could save a few bucks if they are good drivers.
  • Drive Safe and Save - Insureds who avoid accidents may receive a discount up to 45% than drivers with accident claims.
  • Discount for Life Insurance - Select insurance companies reward you with a lower car insurance rate if you buy a life policy as well.

Policy discounts save money, but most discount credits are not given to the entire policy premium. Most cut individual premiums such as physical damage coverage or medical payments. Just because you may think it's possible to get free car insurance, companies wouldn't make money that way.

The chart below shows the difference between Toyota Sienna insurance prices with and without discounts being applied to the rates. The rates are based on a male driver, no tickets, no at-fault accidents, Florida state minimum liability limits, comp and collision included, and $100 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with claim-free, multi-policy, safe-driver, multi-car, homeowner, and marriage discounts applied.

Auto insurance companies who might offer many of the previously listed discounts include:

Before buying, ask every company which discounts can lower your rates. Discounts may not be offered in your area. If you would like to choose from a list of companies who offer online Toyota Sienna insurance quotes in Florida, follow this link.

All the larger auto insurance companies provide coverage prices directly from their websites. Comparing Toyota Sienna insurance rates online is possible for anyone because it's just a matter of typing in the coverage amounts you desire on the page. After you submit the form their system will order your credit score and driving record and quotes a price determined by many factors. This makes it a lot easier to compare rates and it is important to get many rate quotes in order to get the lowest possible payments on auto insurance.

In order to compare pricing, compare quotes from the companies shown below. If you have a policy now, it's recommended you duplicate the coverages as close as possible to your current policy. This makes sure you will be getting a fair comparison for exact coverage.

The companies in the list below have been selected to offer quotes in Florida. If the list has multiple companies, we suggest you visit as many as you can to get the best price comparison.

Coverage statistics and figures

The price information below covers different coverage costs for Toyota Sienna models. Understanding more about how policy rates are figured can help guide drivers when making informed coverage decisions.

Toyota Sienna Insurance Rates in Jacksonville, FL
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Sienna CE $176 $364 $392 $24 $118 $1,074 $90
Sienna LE $202 $364 $392 $24 $118 $1,100 $92
Sienna LE AWD $202 $364 $392 $24 $118 $1,100 $92
Sienna XLE $202 $364 $392 $24 $118 $1,100 $92
Sienna XLE AWD $202 $428 $392 $24 $118 $1,164 $97
Sienna Limited $228 $428 $392 $24 $118 $1,190 $99
Sienna Limited AWD $228 $428 $392 $24 $118 $1,190 $99
Get Your Own Custom Quote Go

Data based on married female driver age 50, no speeding tickets, no at-fault accidents, $500 deductibles, and Florida minimum liability limits. Discounts applied include homeowner, multi-vehicle, safe-driver, claim-free, and multi-policy. Premium amounts do not factor in specific Jacksonville garaging location which can revise coverage prices noticeably.

An analysis of deductible level

One of the most common auto insurance questions is how high should the physical damage deductibles be. The comparison tables below lay out the difference in cost of buying low and high coverage deductibles. The first pricing table uses a $250 deductible for comprehensive and collision coverage and the second rate table uses a $500 deductible.

Toyota Sienna insurance premium rates with $250 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Sienna CE $280 $544 $418 $24 $124 $1,415 $118
Sienna LE $322 $544 $418 $24 $124 $1,457 $121
Sienna LE AWD $322 $544 $418 $24 $124 $1,457 $121
Sienna XLE $322 $544 $418 $24 $124 $1,457 $121
Sienna XLE AWD $322 $640 $418 $24 $124 $1,553 $129
Sienna Limited $364 $640 $418 $24 $124 $1,595 $133
Sienna Limited AWD $364 $640 $418 $24 $124 $1,595 $133
Get Your Own Custom Quote Go
Toyota Sienna insurance premium rates with $500 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Sienna CE $228 $438 $418 $24 $124 $1,232 $103
Sienna LE $262 $438 $418 $24 $124 $1,266 $106
Sienna LE AWD $262 $438 $418 $24 $124 $1,266 $106
Sienna XLE $262 $438 $418 $24 $124 $1,266 $106
Sienna XLE AWD $262 $516 $418 $24 $124 $1,344 $112
Sienna Limited $296 $516 $418 $24 $124 $1,378 $115
Sienna Limited AWD $296 $516 $418 $24 $124 $1,378 $115
Get Your Own Custom Quote Go

Data variables include married male driver age 30, no speeding tickets, no at-fault accidents, and Florida minimum liability limits. Discounts applied include claim-free, multi-vehicle, multi-policy, safe-driver, and homeowner. Rate information does not factor in vehicle garaging location which can affect rates noticeably.

Based on the data above, we can derive that using a $250 deductible costs approximately $16 more each month or $192 every year than opting for the higher $500 deductible. Since you would pay $250 more out-of-pocket with a $500 deductible as compared to a $250 deductible, if you tend to average more than 16 months between claim filings, you would come out ahead if you decide on a higher deductible. The table below shows an example of how you can come to your own conclusion.

Average monthly premium for $250 deductibles: $125
Average monthly premium for $500 deductibles (subtract): - $109
Monthly savings from raising deductible: $16
Difference between deductibles ($500 - $250): $250
Divide difference by monthly savings: $250 / $16
Number of months required between physical damage coverage claims in order to save money by choosing the higher deductible 16 months

An important thing to remember is that raising deductibles to get cheaper rates results in a higher out-of-pocket expense when you have a claim. That will necessitate enough money stashed away in the event you have to pay the deductible for vehicle repair.

The example below illustrates how your deductible choice and can influence Toyota Sienna insurance costs for different categories of driver ages. The costs are based on a single male driver, comp and collision included, and no discounts are factored in.

Learn How to Lower Your Insurance Prices

When buying auto insurance it's important to understand some of the factors that aid in calculating auto insurance rates. When you understand what controls the rates you pay, this enables you to make decisions that can earn you cheaper rates.

The items below are some of the most common factors auto insurance companies consider when setting your rates.

  • High deductibles save money - The deductibles define the amount you are willing to pay if a covered claim is submitted. Physical damage protection, also called 'full coverage', insures against damage to your car. Examples of covered claims would be collision with another vehicle, damage caused by hail, and damage caused by road hazards. The more expense you choose to pay out-of-pocket, the better rate you will receive.
  • You might want pay the inexpensive policy claims yourself - Auto insurance companies in Florida generally give lower rates to insureds who are not frequent claim filers. If you file claims often, you can expect increased rates or even have your policy non-renewed. Insurance coverage is meant to be used in the event of major claims that would cause financial hardship.
  • Choose high IIHS safety ratings and save - Safer cars can get you lower premiums. Vehicles engineered for safety reduce occupant injuries and any reduction in injury severity translates directly to fewer claims which can mean better rates for you. If your Toyota Sienna has at least an "acceptable" rating on the Insurance Institute for Highway Safety website or four stars on the National Highway Traffic Safety Administration website you may pay a lower rate.
  • Marriage discount - Having a spouse can actually save you money when shopping for auto insurance. Marriage demonstrates that you tend to be more stable financially and it's proven that drivers who are married file infrequent claims.
  • Gender and car insurance - Over time, data shows that females tend to be a little less risky than males. That doesn't necessarily mean that men are WORSE drivers than women. Both genders tend to get into fender benders in similar numbers, but the male of the species cause more damage. Not only are claims higher, but men get higher numbers of serious violations like reckless driving and DUI.

    The chart below illustrates the comparison of Toyota Sienna annual premium costs for male and female drivers. The rates are based on no claims or driving citations, full physical damage coverage, $1,000 deductibles, drivers are not married, and no additional discounts are factored in.

  • Save money with high credit - Having a good credit history is a large factor in determining what you pay for auto insurance. If your credit could use some work, you could potentially save money when insuring your Toyota Sienna if you improve your credit rating. Insureds that have very good credit scores tend to file fewer claims than drivers with worse credit.
  • Insurance rates are higher for high performance vehicles - The make and model of the car, truck or SUV you are insuring makes a huge difference in your auto insurance rates. Smaller low performance passenger vehicles usually are quite affordable to insure, but there are many factors that impact the final cost.

    The chart below uses these assumptions: single female driver age 30, full coverage with $1000 deductibles, and no discounts or violations. It compares Toyota Sienna policy rates compared to other models that have different performance risks.

  • How old are your drivers? - Teen drivers in Florida have been known to be inattentive and easily distracted behind the wheel so auto insurance rates are higher. More mature drivers are more responsible, cost insurance companies less in claims, and get fewer tickets.

    The data below uses these assumptions: single driver, full coverage with $250 deductibles, and no discounts or violations.

  • Toyota Sienna insurance loss data - Auto insurance companies use claims history when they set coverage costs for each model. Models that the statistics show to have a higher amount or frequency of claims will have higher premium rates.

    The next table shows the historical loss data for Toyota Sienna vehicles. For each policy coverage, the claim amount for all vehicles, regardless of make, model or trim level, is represented as 100. Values that are below 100 imply a favorable loss record, while values that are above 100 point to more losses or a tendency for losses to be larger than average.

    Toyota Sienna Insurance Loss Statistics
    Vehicle Make and 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

Independent versus exclusive car insurance agents

A small number of people would rather go talk to an agent and that is just fine! One of the best bonuses of price shopping on the web is the fact that drivers can get cheaper rates and still have a local agent. And providing support for neighborhood insurance agencies is definitely important in Jacksonville.

Jacksonville insurance agentsTo help locate an agent, after submitting this quick form, your insurance coverage information is emailed to insurance agents in Jacksonville that can give you free Jacksonville car insurance quotes to get your business. It makes it easy because there is no need to do any legwork because quoted prices will be sent immediately to you. You can find better rates without having to waste a lot of time. If you want to compare rates from one company in particular, you would need to search and find their rate quote page and fill out the quote form the provide.

Finding a good insurer needs to be determined by more than just the bottom line cost. These questions are important to ask:

  • How long has their agency been open in Jacksonville?
  • In the event of vehicle damage, can you pick the collision repair facility?
  • When do they do policy reviews?
  • Is the agency covered by Errors and Omissions coverage?
  • Do you need full coverage on every vehicle?
  • Is the agent and/or agency licensed to do business in Florida?

Insurance does more than just protect your car

Even though it can be expensive, insurance may be required for several reasons.

  • The majority of states have mandatory liability insurance requirements which means you are required to carry a minimum amount of liability coverage in order to be legal. In Florida these limits are 10/20/10 which means you must have $10,000 of bodily injury coverage per person, $20,000 of bodily injury coverage per accident, and $10,000 of property damage coverage.
  • If you bought your Sienna with a loan, more than likely the lender will require you to carry insurance to guarantee loan repayment. If you do not pay your insurance premiums, the bank will be required to insure your Toyota at a much higher premium rate and require you to pay for the expensive policy.
  • Insurance preserves not only your Toyota Sienna but also your financial assets. It will also cover most medical and hospital costs for not only you but also any passengers injured in an accident. Liability coverage, the one required by state law, will also pay for a defense attorney if you cause an accident and are sued. If you have damage to your Toyota as the result of the weather or an accident, comprehensive and/or collision insurance will pay to repair the damage.

The benefits of carrying enough insurance are without a doubt worth the cost, especially when you need to use it. According to a recent study, the average American driver is overpaying more than $865 each year so compare quotes from several companies at every policy renewal to save money.

Compare but don't skimp

When trying to cut insurance costs, make sure you don't sacrifice coverage to reduce premiums. Too many times, drivers have reduced liability coverage limits and found out when filing a claim that the small savings ended up costing them much more. The ultimate goal is to purchase plenty of coverage at an affordable rate, but don't skip important coverages to save money.

Throughout this article, we presented some good ideas how you can shop for Toyota Sienna insurance online. The key concept to understand is the more you quote Jacksonville car insurance, the higher your chance of finding low cost Jacksonville car insurance quotes. You may even find the biggest savings come from a lesser-known regional company. Regional companies may have significantly lower rates on certain market segments as compared to the big name companies such as State Farm, GEICO and Nationwide.

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