How to Compare San Jose Toyota Sienna Insurance

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A recent study showed that 70% of consumers kept their coverage with the same insurance company for at least the last four years, and practically 40% of insurance customers have never compared rates with other companies. Many consumers in California could save an average of up to 35% each year, but they underestimate the benefits if they bought a different policy.

Discount Toyota Sienna insuranceThe preferred way to quote cheaper car insurance rates in San Jose is to begin comparing prices regularly from insurance carriers in California.

  • Step 1: Spend some time learning about how insurance works and the steps you can take to prevent expensive coverage. Many things that result in higher prices such as at-fault accidents and bad credit can be controlled by improving your driving habits or financial responsibility.
  • Step 2: Obtain price quotes from direct carriers, independent agents, and exclusive agents. Exclusive agents and direct companies can only provide price estimates from a single company like Progressive and State Farm, while independent agents can provide price quotes for many different companies. View companies
  • Step 3: Compare the new rate quotes to your current policy and see if there is a cheaper rate in San Jose. If you find a better price and buy the policy, verify that coverage does not lapse between policies.
  • Step 4: Provide notification to your current agent or company of your intent to cancel your current car insurance policy. Submit a down payment along with a signed application to your new agent or company. Immediately upon receiving it, put the new proof of insurance certificate in a readily accessible location in your vehicle.

The critical component of shopping around is that you use the same coverage limits and deductibles on every price quote and and to compare as many different companies as possible. This provides a fair rate comparison and a thorough selection of prices.

Our goal in writing this article teach you a little about the most effective way to quote insurance and how you can save the most money. If you have coverage now, you will be able to shop for the lowest rates using the ideas you're about to read. You just need to use how to compare insurance rates over the internet.

Most companies make it easy to get prices on their websites. Obtaining pricing for Toyota Sienna insurance in San Jose is pretty painless as you just type in your personal and coverage information into the form. Upon sending the form, the company's rating system will obtain your driving record and credit report and provides a quote based on the data you entered.

Getting online price quotes for Toyota Sienna insurance in San Jose makes it simple to compare prices and it's very important to get many rate quotes if you want to find a better rate.

To get comparison pricing now, take a look at the companies shown below. To compare your current rates, we recommend you type in the limits and deductibles exactly as shown on your declarations page. This guarantees you will have an apples-to-apples comparison for the exact same coverage.

The following companies offer price comparisons in San Jose, CA. If multiple providers are shown, we suggest you get rates from several of them to find the most competitive auto insurance rates.

Three reasons to insure your vehicle

Despite the potentially high cost of Toyota Sienna insurance, buying auto insurance is not optional due to several reasons.

First, the majority of states have mandatory liability insurance requirements which means it is punishable by state law to not carry specific limits of liability insurance in order to get the vehicle licensed. 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.

Second, if you bought your Sienna with a loan, it's most likely the lender will make it mandatory that you buy insurance to guarantee their interest in the vehicle. If you do not keep the policy in force, the bank will be required to insure your Toyota for a lot more money and require you to reimburse them a much higher amount than you were paying before.

Third, auto insurance protects not only your vehicle but also your financial assets. It will also cover medical bills for you, your passengers, and anyone else injured in an accident. Liability coverage, the one required by state law, also pays expenses related to your legal defense if you are named as a defendant in an auto accident. If your vehicle suffers damage from an accident or hail, collision and comprehensive (also known as other-than-collision) coverage will cover the repair costs.

The benefits of buying auto insurance greatly outweigh the cost, especially when you need to use it. The average driver in California is overpaying more than $750 every year so you should quote and compare rates at least once a year to be sure current rates are still competitive.

Car insurance statistics for a Toyota Sienna

The price information shown below highlights estimates of insurance coverage prices for Toyota Sienna models. Having a good grasp of how car insurance premiums are formulated is important for you to make smart choices when buying a policy.

Toyota Sienna Insurance Rates in San Jose, CA
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Sienna CE $230 $478 $416 $24 $124 $1,272 $106
Sienna LE $262 $478 $416 $24 $124 $1,304 $109
Sienna LE AWD $262 $478 $416 $24 $124 $1,304 $109
Sienna XLE $262 $478 $416 $24 $124 $1,304 $109
Sienna XLE AWD $262 $562 $416 $24 $124 $1,388 $116
Sienna Limited $296 $562 $416 $24 $124 $1,422 $119
Sienna Limited AWD $296 $562 $416 $24 $124 $1,422 $119
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Prices based on married female driver age 50, no speeding tickets, no at-fault accidents, $250 deductibles, and California minimum liability limits. Discounts applied include safe-driver, homeowner, multi-policy, multi-vehicle, and claim-free. Premium amounts do not factor in garaging location in San Jose which can increase or decrease auto insurance rates greatly.

Physical damage deductibles

One frequently asked question is how low should you set your deductibles. The premium rates below outline the differences in premium rates when you choose different comp and collision deductibles. The first price estimate table uses a $250 deductible for physical damage and the second data table uses a $1,000 deductible.

Toyota Sienna insurance rates with $250 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Sienna CE $298 $576 $442 $26 $132 $1,499 $125
Sienna LE $342 $576 $442 $26 $132 $1,543 $129
Sienna LE AWD $342 $576 $442 $26 $132 $1,543 $129
Sienna XLE $342 $576 $442 $26 $132 $1,543 $129
Sienna XLE AWD $342 $678 $442 $26 $132 $1,645 $137
Sienna Limited $386 $678 $442 $26 $132 $1,689 $141
Sienna Limited AWD $386 $678 $442 $26 $132 $1,689 $141
Get Your Own Custom Quote Go
Toyota Sienna insurance rates with $1,000 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Sienna CE $184 $362 $442 $26 $132 $1,146 $96
Sienna LE $210 $362 $442 $26 $132 $1,172 $98
Sienna LE AWD $210 $362 $442 $26 $132 $1,172 $98
Sienna XLE $210 $362 $442 $26 $132 $1,172 $98
Sienna XLE AWD $210 $426 $442 $26 $132 $1,236 $103
Sienna Limited $238 $426 $442 $26 $132 $1,264 $105
Sienna Limited AWD $238 $426 $442 $26 $132 $1,264 $105
Get Your Own Custom Quote Go

Prices based on married male driver age 30, no speeding tickets, no at-fault accidents, and California minimum liability limits. Discounts applied include homeowner, safe-driver, multi-vehicle, multi-policy, and claim-free. Premium costs do not factor in San Jose location which can impact insurance rates greatly.

Based on the data above, we can derive that using a $250 deductible costs roughly $33 more each month or $396 annually across all Toyota Sienna models than selecting the higher $1,000 deductible. Because you would be required to pay $750 more out of your own pocket with a $1,000 deductible as compared to a $250 deductible, if you usually have at a minimum 23 months between claims, you would come out ahead by selecting a higher deductible.

Calculate savings of higher deductibles

Average monthly premium for $250 deductibles: $133
Average monthly premium for $1,000 deductibles (subtract): - $100
Monthly savings from raising deductible: $33
Difference between deductibles ($1,000 - $250): $750
Divide difference by monthly savings: $750 / $33
Number of months required between physical damage coverage claims in order to save money by choosing the higher deductible 23 months

Yearly car insurance costs for men versus women

The example below shows the comparison of Toyota Sienna insurance costs for male and female drivers. The information is based on no tickets, no at-fault accidents, comprehensive and collision coverage, $1,000 deductibles, single status, and no policy discounts are applied.

Full coverage rates vs. liability-only in San Jose

The illustration below illustrates the comparison of Toyota Sienna auto insurance costs with and without full coverage. The premiums assume no violations or accidents, $1,000 deductibles, drivers are not married, and no additional discounts are factored in.

When to drop comp and collision

There is no definitive guideline of when to exclude full coverage on your policy, but there is a general guideline. If the annual cost of coverage is more than 10% of replacement cost minus your deductible, then you might want to think about dropping full coverage.

For example, let's say your Toyota Sienna replacement value is $9,000 and you have $1,000 full coverage deductibles. If your vehicle is damaged in an accident, the most your company will settle for is $8,000 after the deductible is paid. If you are paying more than $800 annually for comprehensive and collision coverage, then it could be time to drop full coverage.

There are a few cases where dropping physical damage coverage is not a good idea. If you haven't paid off your loan, you have to maintain full coverage as part of the loan requirements. Also, if you don't have enough money to buy a different vehicle in the even your car is totaled, you should keep full coverage.

Save with these discounts on Toyota Sienna insurance in San Jose

Car insurance companies don't always advertise every policy discount in an easy-to-find place, so we researched both well-publicized and also the lesser-known credits available to lower your premiums when you buy San Jose car insurance online. If you are not receiving all the discounts possible, you are paying more than you should be.Car insurance discounts

  • Passive Restraints - Cars that have air bags or motorized seat belts can get savings of more than 20%.
  • Distant Student Discount - Youth drivers who are attending college and don't have a car can be insured at a reduced rate.
  • Anti-lock Brake System - Vehicles with anti-lock braking systems can reduce accidents and earn discounts up to 10%.
  • Theft Deterrent - Vehicles equipped with anti-theft or alarm systems are stolen less frequently and earn discounts up to 10% off your San Jose car insurance quote.
  • Discounts for Federal Employees - Being employed by or retired from a federal job could qualify for a slight premium decrease with some car insurance companies.
  • Sign Early and Save - Some larger companies reward drivers for switching policies prior to the expiration date on your current Sienna insurance policy. It could save around 10% when you buy San Jose car insurance online.
  • Professional Memberships - Having an affiliation with certain professional organizations can get you a small discount on your policy.
  • Onboard Data Collection - People who choose to allow driving data collection to monitor their driving habits by using a telematics device in their vehicle such as Progressive's Snapshot might see lower rates if their driving habits are good.

Keep in mind that some of the credits will not apply to all coverage premiums. Most cut the cost of specific coverages such as comp or med pay. So even though they make it sound like all the discounts add up to a free policy, car insurance companies aren't that generous. Any amount of discount will definitely lower the amount you have to pay.

The chart below illustrates the difference between Toyota Sienna insurance premiums with and without discounts applied to the premium. The rates are based on a female driver, a clean driving record, no claims, California state minimum liability limits, full physical damage coverage, and $1,000 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with multi-policy, safe-driver, claim-free, homeowner, marriage, and multi-car discounts applied.

To view insurers who offer free Toyota Sienna insurance quotes in California, click here.