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11-18-2013, 06:00 PM | #1 |
Drives: yaris Join Date: Nov 2013
Location: louisiana
Posts: 7
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What's the cheapest insurance for a Toyota Yaris?
I just picked up a 2012 Yaris from a friend
It's still sitting in my garage as I have yet to get it insured What company is providing you Yaris owners with the cheapest insurance? I am looking at http://www.motortrend.com/cars/2012/..._of_ownership/ and it says that I can expect to pay around $1400 annually for insuring this thing? How accurate is that? I'm looking to find the cheapest insurance possible for it. Maybe just the minimum required by my state (La.) and nothing else. (it's not my everyday car, just driving it for fun on weekends and stuff... need to drive my pickup to work) |
11-18-2013, 06:08 PM | #2 |
Drives: 2('14+'07)MT 3d ,wHandCrWndws! Join Date: May 2009
Location: S.MontgomeryCnty,TX(HoustonMSA) '07=BayouBlue=300,125miles=OrigOwnr '14=ClassicSilvr=29,059miles
Posts: 4,839
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I've found AAA to be the cheapest, but I also have it combined with my Homeowner's policy and my rate = zero moving violations and zero accidents.
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11-18-2013, 06:12 PM | #3 |
Drives: yaris Join Date: Nov 2013
Location: louisiana
Posts: 7
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Thanks, I'll definitely be checking out AAA. I insure my other vehicle with State Farm, but haven't really been satisfied with them, so I might switch both vehicles to another provider and put them both on the same policy. AAA looks great.
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11-18-2013, 06:27 PM | #4 |
Drives: 2('14+'07)MT 3d ,wHandCrWndws! Join Date: May 2009
Location: S.MontgomeryCnty,TX(HoustonMSA) '07=BayouBlue=300,125miles=OrigOwnr '14=ClassicSilvr=29,059miles
Posts: 4,839
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Yeah, State Farm has never really been competitive when I've obtained quotes. I'm the kind of person that if my insurance increases more than a little bit..I'll start shopping. I've had AAA since 2009, I think. Directly before that I had Nationwide for a couple of years, and before that had Allstate for many years.
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11-18-2013, 06:37 PM | #5 |
Drives: 09 3dr LB MT Join Date: Aug 2009
Location: Lehigh Valley, PA
Posts: 681
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Second the vote for AAA. If you already have AAA membership, there's a 5% discount on the car insurance. Also the multi-car discount. I've had them for awhile now.
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2009 3dr LB MT Meteorite Metalic. Car bought 8/7/09. Now over 89k miles of trouble free driving, other than user error!! |
11-18-2013, 08:26 PM | #6 |
Drives: 2('14+'07)MT 3d ,wHandCrWndws! Join Date: May 2009
Location: S.MontgomeryCnty,TX(HoustonMSA) '07=BayouBlue=300,125miles=OrigOwnr '14=ClassicSilvr=29,059miles
Posts: 4,839
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11-18-2013, 10:38 PM | #7 |
Drives: yaris Join Date: Nov 2013
Location: louisiana
Posts: 7
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AAA quoted me at $96/month average, which is about the same price as all the other "big players" in insurance
I'm keeping each company's quote in a spreadsheet to compare. Gonna go for 10 quotes and then choose the best one. Here's what I've got so far for average monthly rates - AAA - $96 Allstate - $99 Amica - $97 esurance - $105 GEICO - $105 Liberty Mutual - $112 Progressive - $100 State Farm - $93 So far, the cheapest I found was from http://www.4autoinsurancequote.com, but they seem a bit small-time for be, and I'm afraid of their reliable, so I might stay away, but still, their $64/month quote was quite attractive I think I'm just gonna stick with state farm. They seem to have the best combo of reputation and price ($93/month).. they also have an office right near me as well (this guy - http://www.wayneleone.com/ and he has a bunch of good reviews too) |
11-19-2013, 07:22 AM | #8 | |
Drives: 09 3dr LB MT Join Date: Aug 2009
Location: Lehigh Valley, PA
Posts: 681
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Quote:
I had to have my windshield replaced this year (darn rocks kicked up by snowplow/salt truck). This was under AAA insurance. I was able to pick what shop I wanted to use, and only paid the deductible for comprehensive. I've had other insurance companies and often times have found that they stipulate who you must use when something happens. Every company is different, and everyone's interactions with those companies are also different.
__________________
2009 3dr LB MT Meteorite Metalic. Car bought 8/7/09. Now over 89k miles of trouble free driving, other than user error!! |
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11-19-2013, 12:05 PM | #9 |
play every day
Drives: 2012 Yaris L 2dr 5sp Join Date: Apr 2012
Location: Los Angeles
Posts: 1,961
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I always buy the minimum insurance required for vehicle registration so mine runs one payment to Wawanesa Insurance of $272 a year which is only $22 a month.
Greg |
11-19-2013, 03:10 PM | #10 |
ULTIMATE
Drives: 07 Yaris Turbo Join Date: May 2007
Location: Canoga Park, CA
Posts: 14,859
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Electric Insurance Company, really good insurance and the best price I've ever found.
www.electricinsurance.com The cool thing about this thread is that quotes are FREE.
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Micro Image forums, online store and shop are now closed. It was a great eight year run, but it was time to focus on other things. I'm still selling parts on eBay under micro*image seller ID and customers can still make requests for anything specific. |
11-19-2013, 11:13 PM | #11 | |
Drives: 2('14+'07)MT 3d ,wHandCrWndws! Join Date: May 2009
Location: S.MontgomeryCnty,TX(HoustonMSA) '07=BayouBlue=300,125miles=OrigOwnr '14=ClassicSilvr=29,059miles
Posts: 4,839
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Quote:
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11-20-2013, 04:32 PM | #12 |
25, 550 MILES!
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We have State Farm, rates are good for us, but I've had them for awhile and we have Home with them, also - They have really taken care of us over the years, VERY well
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11-20-2013, 06:09 PM | #13 |
Drives: 2('14+'07)MT 3d ,wHandCrWndws! Join Date: May 2009
Location: S.MontgomeryCnty,TX(HoustonMSA) '07=BayouBlue=300,125miles=OrigOwnr '14=ClassicSilvr=29,059miles
Posts: 4,839
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I also think which state a person lives in matters as far as which company might be best for a particular person.. In my case, Allstate was always the most competitive in California, then in Texas...almost the opposite. Insurance companies can have different structures (owned by policyholders, owned publicly by shareholders, etc.) and different insurance companies find different product lines profitable.....and I imagine the same would be true of different states.
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11-20-2013, 07:54 PM | #14 | |
Drives: 06 Polar White 5dr, 13 Soul 4u Join Date: Oct 2008
Location: Georgetown, Ontario, Canada
Posts: 5,761
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Quote:
Company A > Company B in zip/postal X Company B > Company A in zip/postal Y At this level, rates are largely based on a company's portfolio, loss experience, and risk tolerance in any given area.
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11-20-2013, 08:18 PM | #15 |
Drives: 2014 yaris 5 speed Join Date: Aug 2006
Location: michigan
Posts: 642
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cant do that in some states. Michigan is a no fault state, so even if someone is 100% at fault and totals your car, the most you can collect is $1000. unless one drives a complete beater, minimum coverage is out of the question.
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11-20-2013, 09:19 PM | #16 |
Drives: Yaris SE 2014 Join Date: Sep 2013
Location: Repentigny, Qc
Posts: 14
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Yaris SE 2014 here: 53$/month
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11-20-2013, 09:27 PM | #17 | |
Drives: 2('14+'07)MT 3d ,wHandCrWndws! Join Date: May 2009
Location: S.MontgomeryCnty,TX(HoustonMSA) '07=BayouBlue=300,125miles=OrigOwnr '14=ClassicSilvr=29,059miles
Posts: 4,839
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Quote:
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11-21-2013, 02:56 AM | #18 |
Drives: 2('14+'07)MT 3d ,wHandCrWndws! Join Date: May 2009
Location: S.MontgomeryCnty,TX(HoustonMSA) '07=BayouBlue=300,125miles=OrigOwnr '14=ClassicSilvr=29,059miles
Posts: 4,839
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I was just looking at a Texas government website (for unrelated information) and happened to see that the current minimum insurance limits for Texas are 30/60/25 ($30k injury per person/$60k injury per accident/$25k property damage). Some Californians like to chide Texans/make fun of Texas re being the state with the highest percentage of people without health insurance. The last time I looked on the California DMV site (earlier this year, IIRC, re a Yarisworld thread) the limits in California were 15/30/5 (the same since at least the 1970s). I thought the Texas limit was lower than the current 30/60/25. I wondered if the Texas limit had been raised very recently. Perhaps some national minimum that I hadn't heard about? Remember, in the past there was a mandatory 55 speed limit in order to keep getting federal highway funds that states had to contend with. I decided to take a look at the California DMV site. I had to use the search field, rather than links from the home page. I did, however, find the information. The limits are still 15/30/5. The next time I hear a Californian bring up (likely commenting on an article with a political bent on Yahoo) the health insurance factoid, I'm going to bring up this car insurance limit difference and see what kind of reaction I get . Got to be able to tease the people in my native state!
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Tags |
auto insurance, insurance, insure, toyota, yaris |
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