Toyota Sienna insurance image courtesy of QuoteInspector.com
How long has it been since you sat down and looked for the cheapest Toyota Sienna insurance in Austin? Searching for low-cost Austin Toyota Sienna insurance quotes online might seem rather difficult for drivers that are relatively new to comparing prices on the internet. Since there are so many insurers to choose from, how can you be able to compare every company in order to find cheaper insurance prices?
It's astonishing, but the vast majority of insurance customers in Texas kept buying from the same company for over three years, and almost half have never compared rates with other companies. Many drivers in the United States could save $859 a year by just shopping around, but they just feel it's too hard to go online and compare rates.
It's a good idea to get comparison quotes before your policy renews because prices trend upward over time. Despite the fact that you may have had the best price on Toyota Sienna insurance in Austin a few years ago a different company probably has better rate quotes today. You can find a lot of wrong information about Sienna insurance on the internet, but I'm going to show you some great ideas on how to lower your insurance bill.
If you are insured now, you should be able to find better prices using the ideas presented in this article. Our goal in writing this article let you in on how car insurance companies work and some tips to save money. Nevertheless, Texas consumers must know the methods companies use to determine prices and use it to find better rates.
To get low cost Austin car insurance quotes, there a variety of ways to obtain and compare prices from companies that offer insurance in Texas. The quickest method to do a complete rate comparison is simply to get online rate quotes.
When comparison shopping, comparing a wide range of rates provides better odds of finding a better price.
The companies in the list below offer free quotes in Austin, TX. If multiple companies are listed, we suggest you visit as many as you can in order to get a fair rate comparison.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Sienna CE | $198 | $412 | $358 | $22 | $108 | $1,098 | $92 |
| Sienna LE | $374 | $592 | $500 | $30 | $150 | $1,646 | $137 |
| Sienna LE AWD | $206 | $392 | $430 | $26 | $128 | $1,182 | $99 |
| Sienna XLE | $208 | $312 | $500 | $30 | $150 | $1,200 | $100 |
| Sienna XLE AWD | $294 | $584 | $382 | $22 | $114 | $1,396 | $116 |
| Sienna Limited | $308 | $472 | $500 | $30 | $150 | $1,460 | $122 |
| Sienna Limited AWD | $286 | $572 | $400 | $24 | $120 | $1,402 | $117 |
| Get Your Own Custom Quote Go | |||||||
Data assumes married female driver age 40, no speeding tickets, no at-fault accidents, $250 deductibles, and Texas minimum liability limits. Discounts applied include homeowner, safe-driver, multi-policy, multi-vehicle, and claim-free. Rate quotes do not factor in zip code location which can raise or lower insurance rates noticeably.
Auto insurance rates are higher with tickets and accidents
The chart below highlights how traffic violations and fender-benders increase Toyota Sienna insurance premiums for different age groups. The information is based on a single male driver, comp and collision included, $500 deductibles, and no discounts are factored in.
Rate comparison for different deductibles
One of the more difficult decisions when buying auto insurance is how high should the deductibles for physical damage be. The following insurance rates help summarize the rate fluctuation of buying low and high comp and collision deductibles. The first rate table uses a $250 comprehensive and collision deductible and the second set of prices uses a $500 deductible.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Sienna CE | $256 | $496 | $382 | $22 | $114 | $1,295 | $108 |
| Sienna LE | $294 | $496 | $382 | $22 | $114 | $1,333 | $111 |
| Sienna LE AWD | $294 | $496 | $382 | $22 | $114 | $1,333 | $111 |
| Sienna XLE | $294 | $496 | $382 | $22 | $114 | $1,333 | $111 |
| Sienna XLE AWD | $294 | $584 | $382 | $22 | $114 | $1,421 | $118 |
| Sienna Limited | $332 | $584 | $382 | $22 | $114 | $1,459 | $122 |
| Sienna Limited AWD | $332 | $584 | $382 | $22 | $114 | $1,459 | $122 |
| Get Your Own Custom Quote Go | |||||||
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Sienna CE | $208 | $400 | $382 | $22 | $114 | $1,126 | $94 |
| Sienna LE | $240 | $400 | $382 | $22 | $114 | $1,158 | $97 |
| Sienna LE AWD | $240 | $400 | $382 | $22 | $114 | $1,158 | $97 |
| Sienna XLE | $240 | $400 | $382 | $22 | $114 | $1,158 | $97 |
| Sienna XLE AWD | $240 | $472 | $382 | $22 | $114 | $1,230 | $103 |
| Sienna Limited | $270 | $472 | $382 | $22 | $114 | $1,260 | $105 |
| Sienna Limited AWD | $270 | $472 | $382 | $22 | $114 | $1,260 | $105 |
| Get Your Own Custom Quote Go | |||||||
Data rating is based on married male driver age 30, no speeding tickets, no at-fault accidents, and Texas minimum liability limits. Discounts applied include safe-driver, homeowner, multi-vehicle, claim-free, and multi-policy. Premium costs do not factor in specific location which can lower or raise premiums significantly.
We can estimate from the data above that using a $250 deductible will cost you approximately $15 more each month or $180 a year than selecting the higher $500 deductible. Because you would be required to pay $250 more out-of-pocket with a $500 deductible as compared to a $250 deductible, if you usually have at a minimum 17 months between claims, you would probably save some money by selecting a higher deductible.
Where to set your deductibles
The information below shows how choosing a deductible and can impact Toyota Sienna yearly insurance costs for different insured age categories. The rates are based on a single male driver, full coverage, and no discounts are applied.
Situations that may require an agent's advice
When it comes to buying proper insurance coverage, there really is not a cookie cutter policy. Every situation is different and your auto insurance should be unique as well.
For example, these questions might help in determining whether or not you would benefit from an agent's advice.
- Are my friends covered when driving my Toyota Sienna?
- How much cheaper are high deductibles?
- Is pet coverage available?
- Does coverage extend to a rental car in a foreign country?
- What is the rate difference between pleasure use and commuting?
- Is my Toyota Sienna covered if I use it for business?
- What is no-fault insurance?
- Should I put collision coverage on all my vehicles?
- Should I drop comprehensive coverage on older vehicles?
If you're not sure about those questions but you know they apply to you, then you may want to think about talking to a licensed agent. If you want to speak to an agent in your area, complete this form or you can also visit this page to select a carrier
Insurance agent or online?
Some people would rather visit with an insurance agent and that is a personal choice. The biggest benefit of comparing rates online is that you can obtain better rates and also buy local.
To help locate an agent, after submitting this short form, the coverage information is immediately sent to participating agents in Austin who will give competitive quotes and help you find cheaper coverage. It simplifies rate comparisons since you won't have to search for an agent since rate quotes are delivered directly to your email. You'll get the best rates and an insurance agent to talk to. If you wish to compare prices for a specific company, you would need to find their quoting web page and fill out the quote form the provide.
Finding the right company requires more thought than just the price. Before buying a policy in Austin, get answers to these questions.
- Do they have designations such as AIC, CPCU, or CIC?
- How would your car be valued if totalled?
- Is coverage determined by price?
- How long has their agency been in business in Austin?
- How often do they review policy coverages?
- Can glass repairs be made at your home?
- Are claims handled at the agent's location?
Below are agents in Austin that may be able to provide comparison quotes for Toyota Sienna insurance in Austin.
- EZ Insurance Agency
343 S Congress Ave - Austin, TX 78704 - (512) 444-3279 - View Map - Carmina Eaton - State Farm Insurance Agent
4201 W Parmer Ln b170 - Austin, TX 78727 - (512) 244-6641 - View Map - State Farm: Dick Clay
3006 Bee Cave Rd Suite B170 - Austin, TX 78746 - (512) 328-2340 - View Map - Watkins Insurance Group
3834 Spicewood Springs Rd - Austin, TX 78759 - (512) 452-8877 - View Map