Toyota Yaris Insurance Rate Quotes in Long Beach

How many times have you told yourself to find cheaper insurance rates in Long Beach, CA? Long Beach consumers have many options when looking for low-cost Toyota Yaris insurance. You can either waste hours struggling with agents to get rate comparisons or utilize the internet to get rate quotes. There are both good and bad ways to compare insurance rates so you’re going to learn the best way to price shop coverage for a Toyota and obtain the cheapest rates either online or from Long Beach insurance agents.

It’s shocking but over 70% of consumers kept buying from the same company for well over three years, and approximately 40% of consumers have never even shopped around for cheaper coverage. Most drivers in California could pocket $470 a year just by comparing rates, but they think it’s difficult to compare rate quotes.

If you have coverage now or need new coverage, you can use this information to buy cheaper auto insurance while maintaining coverages. The goal of this article is to help you learn how car insurance companies work and also pocket some savings Smart buyers just have to understand the least time-consuming way to compare different rates online.

Most larger insurance companies make it easy to get coverage prices on their websites. Getting online rates for Toyota Yaris insurance in Long Beach doesn’t take a lot of time as all you need to do is type in the coverage amounts you desire as detailed in the form. When the form is submitted, the company’s rating system collects your driving and credit reports and returns a price based on these and other factors.

This streamlines rate comparisons, and it’s necessary to perform this step if you want to find a better rate.

In order to find out how much you’re overpaying now, compare rate quotes from the providers shown below. If you have a policy now, it’s recommended you complete the form with deductibles and limits just like they are on your policy. Using the same limits helps guarantee you will receive rate quotes for the exact same coverage.

The auto insurance companies shown below offer quotes in California. If multiple companies are listed, we recommend you compare several of them to find the lowest auto insurance rates.

Toyota Yaris insurance charts and tables

The coverage information shown next outlines different prices for Toyota Yaris models. Learning more about how insurance prices are figured can help customers make informed decisions when comparing rate quotes.

Above prices assume married male driver age 40, no speeding tickets, no at-fault accidents, $250 deductibles, and California minimum liability limits. Discounts applied include safe-driver, multi-vehicle, multi-policy, claim-free, and homeowner. Premium amounts do not factor in specific location which can increase or decrease coverage rates noticeably.

Deductible analysis

When buying car insurance, a common question is what deductibles to buy. The premium rates below can help show the differences in price between high and low deductibles. The first set of rates uses a $250 deductible for physical damage and the second pricing table uses a $1,000 deductible.

Price data assumes married male driver age 30, no speeding tickets, no at-fault accidents, and California minimum liability limits. Discounts applied include claim-free, multi-policy, safe-driver, multi-vehicle, and homeowner. Premium costs do not factor in your specific Long Beach location which can change prices noticeably.

Based on this data, we can arrive at the conclusion that using a $250 deductible would cost the average driver about $30 more each month or $360 a year across all Toyota Yaris models than buying the higher $1,000 deductible. Because you would pay $750 more to file a claim with a $1,000 deductible as compared to a $250 deductible, if you usually have at a minimum 25 months between claims, you would more than likely save some money if you choose a higher deductible.

The example below highlights how deductible choice and can increase or decrease Toyota Yaris insurance premiums for different age groups. Data assumes a single female driver, full coverage, and no discounts are applied.

Toyota Yaris liability-only versus full coverage

The information below shows the difference between Toyota Yaris insurance costs with full physical damage coverage and with liability coverage only. The costs are based on a clean driving record, no claims, $500 deductibles, drivers are not married, and no policy discounts are applied.

When to buy liability coverage only

There is no set rule of when to exclude comprehensive and collision coverage on your policy, but there is a general school of thought. If the yearly cost of full coverage is about 10% or more of the replacement cost minus the deductible, then it could be time to drop full coverage.

For example, let’s assume your Toyota Yaris claim settlement value is $7,000 and you have $1,000 deductibles. If your vehicle is totaled, the most you would get paid by your company is $6,000 after paying your policy deductible. If you are paying more than $600 a year to have full coverage, then you may want to consider only buying liability coverage.

There are some conditions where dropping full coverage is not a good plan. If you still owe a portion of the original loan, you have to keep full coverage in order to prevent your loan from defaulting. Also, if you can’t afford to buy a different vehicle if your current one is damaged, you should keep full coverage on your policy.

Smart Consumers Know How to Find Auto Insurance for Less

The best way to find cheaper auto insurance is to take a look at the factors that help calculate your auto insurance rates. When you know what positively or negatively positively or negatively impacts your premiums, this helps enable you to make changes that will entitle you to big savings. Many factors are used when you get your auto insurance bill. Some of the criteria are obvious like an MVR report, but others are less obvious such as whether you are married or your vehicle rating.

The following are some of the most common factors used by companies to determine your rates.

• Do you save by driving less? – The more you drive each year the more you’ll pay to insure it. A lot of companies calculate prices based upon how the vehicle is primarily used. Autos left parked in the garage get more affordable rates than vehicles that have high annual mileage. Make sure your policy states annual mileage. An improperly rated Yaris is throwing money out the window.

• Traffic violations can be expensive – Just one citation can increase the cost of insurance twenty percent or more. Attentive drivers pay less for auto insurance as compared to careless drivers. Drivers unfortunate enough to have serious violations like reckless driving, hit and run or driving under the influence might be required by their state to prove financial responsibility with their state’s department of motor vehicles in order to continue driving.

  The illustration below highlights how traffic violations and at-fault fender-benders can increase Toyota Yaris auto insurance rates for each different age group. The premium estimates are based on a married female driver, full coverage, $250 deductibles, and no discounts are applied.

• Men pay more for auto insurance – Over time, data shows females are less aggressive when driving. However, don’t assume that females are better at driving than males. Males and females are responsible for at-fault accidents at about the same rate, but the males have costlier accidents. Men also statistically receive more major tickets such as driving while intoxicated (DWI) or driving recklessly.

  The example below shows the difference between Toyota Yaris yearly insurance costs for male and female drivers. The rate quotes are based on no claims, a clean driving record, comprehensive and collision coverage, $500 deductibles, single status, and no discounts are factored in.

• An active auto insurance claims history can cost you – Insurance companies in California give better rates to insureds who do not rely on their insurance for small claims. If you are the type of insured that files lots of claims you can look forward to much higher rates or policy non-renewal. Your car insurance is meant to be used in the event of larger claims.
• Better auto insurance rates with anti-theft devices – Driving a car with advanced anti-theft systems can get you a discount on your auto insurance. Theft prevention devices such as LoJack tracking devices, vehicle tamper alarm systems or GM’s OnStar system all hinder car theft.
• Cheaper rates with high comp and collision deductibles – Physical damage insurance, also known as collision and other-than-collision, insures against damage to your Toyota. Some instances where coverage would apply would be colliding with a building, damage from fire, and windstorm damage. Your deductibles are how much you are willing to pay before your auto insurance pays a claim. The more you pay before a claim is paid (deductible), the lower your rates will be.
• Get better rates if married – Having a spouse can actually save you money on your auto insurance bill. Marriage demonstrates that you tend to be more stable financially it has been statistically shown that being married results in fewer claims.

• High performance equals high premiums – The performance level of the car, truck or SUV you need insurance for makes a huge difference in your rates. The cheapest rates are usually found on the lowest performance passenger models, but the final cost of insurance is determined by many other factors.

  The following chart is based on a married male driver age 30, full coverage with $500 deductibles, and no discounts or violations. It compares Toyota Yaris insurance premiums compared to other vehicles that have different performance rating factors.

• Toyota Yaris claim data – Insurers take into consideration insurance loss statistics for every vehicle to help calculate premium rates. Models that the data determines to have higher losses will have higher rates for specific coverages. The table below outlines the insurance loss data used by companies for Toyota Yaris vehicles.

  For each type of coverage, the claim amount for all vehicles, regardless of make or model, is equal to 100. Values under 100 suggest losses that are better than average, while percentage values above 100 point to more frequent losses or an increased chance of larger losses than average.

  
  

  Toyota Yaris Insurance Claim Statistics

  Vehicle Model	Collision	Property Damage	Comp	Personal Injury	Medical Payment	Bodily Injury
  Toyota Yaris	94	88	92

  BETTER

  AVERAGE

  WORSE

  Empty fields indicate not enough data collected
  Statistics Source: Insurance Institute for Highway Safety for 2013-2015 Model Years

Choosing the best Toyota vehicle insurance in California is an important decision

Even though it can be expensive, car insurance is mandatory in California but it also protects more than you think.

• Almost all states have mandatory liability insurance requirements which means state laws require a minimum amount of liability protection 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.
• If you have a loan on your Yaris, most lenders will have a requirement that you carry insurance to guarantee payment of the loan. If you do not pay your insurance premiums, the lender may insure your Toyota at an extremely high rate and force you to reimburse them much more than you were paying before.
• Insurance safeguards not only your Toyota but also your financial assets. It will also provide coverage for hospital and medical expenses for yourself as well as anyone injured by you. Liability coverage also covers legal expenses if you are named as a defendant in an auto accident. If your Toyota gets damaged, comprehensive (other-than-collision) and collision coverage will pay to repair the damage minus the deductible amount.

The benefits of having car insurance outweigh the cost, particularly when you have a large claim. The average driver in America is overpaying more than $820 a year so it’s very important to do a rate comparison every year to ensure rates are competitive.

Best car insurance in California

Finding the right insurance provider is hard considering how many choices there are in California. The company information below can help you analyze which providers to look at purchasing a policy from.

Top 10 Long Beach Car Insurance Companies Ranked by Customer Satisfaction

1. Titan Insurance – 95%
2. USAA – 94%
3. AAA of Southern California – 92%
4. AAA Insurance – 91%
5. Nationwide – 90%
6. State Farm – 90%
7. The Hartford – 89%
8. GEICO – 89%
9. The General – 88%
10. 21st Century – 88%

Top 10 Long Beach Car Insurance Companies Ranked by Value

1. USAA
2. American Family
3. The Hartford
4. AAA of Southern California
5. Titan Insurance
6. The General
7. AAA Insurance
8. State Farm
9. Mercury Insurance
10. Nationwide