If you want to save money, the best way to find low-cost Toyota Sienna insurance is to do a yearly price comparison from companies who sell insurance in Scottsdale.
First, read about the coverage provided by your policy and the changes you can make to keep rates down. Many risk factors that drive up the price like tickets, at-fault accidents, and a poor credit rating can be rectified by making small lifestyle or driving habit changes. Continue reading for instructions to keep prices down and find overlooked discounts.
Second, quote rates from independent agents, exclusive agents, and direct companies. Direct and exclusive agents can only give prices from one company like GEICO or State Farm, while agents who are independent can provide prices from multiple sources.
Third, compare the new rate quotes to your existing coverage and determine if cheaper Sienna coverage is available in Scottsdale. If you can save some money and switch companies, make sure there is no lapse between the expiration of your current policy and the new one.
An important bit of advice to remember is to use identical coverage information on each quote and and to get rates from every insurance company. This helps ensure an accurate price comparison and plenty of rates choose from.
We don’t have to tell you that car insurance companies don’t want you shop around. Consumers who compare rates annually will presumably switch to a new company because the odds are good of finding a lower-priced company. A study showed that people who shopped around saved on average $3,450 over four years compared to policyholders who never compared prices.
If saving the most money on Toyota Sienna insurance in Scottsdale is your intention, then having an understanding of how to find and compare coverage rates can save money and time.
Buying the cheapest auto insurance in Scottsdale is much easier if you have a good place to start. Practically every vehicle owner who quotes auto insurance will find a lower-cost policy. But Arizona vehicle owners must comprehend the way companies market on the web because it varies considerably.
Companies offering Toyota Sienna insurance in Arizona
The following companies provide price comparisons in Scottsdale, AZ. If you want to find cheap car insurance in Arizona, we suggest you visit two to three different companies to get the most affordable price.
Rates and information analytics
The data table below highlights detailed analysis of insurance premium costs for Toyota Sienna models. Being aware of how insurance prices are determined helps drivers make decisions when shopping around.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Sienna CE | $174 | $402 | $338 | $20 | $102 | $1,036 | $86 |
| Sienna LE | $200 | $402 | $338 | $20 | $102 | $1,062 | $89 |
| Sienna LE AWD | $200 | $402 | $338 | $20 | $102 | $1,062 | $89 |
| Sienna XLE | $200 | $402 | $338 | $20 | $102 | $1,062 | $89 |
| Sienna XLE AWD | $200 | $474 | $338 | $20 | $102 | $1,134 | $95 |
| Sienna Limited | $224 | $474 | $338 | $20 | $102 | $1,158 | $97 |
| Sienna Limited AWD | $224 | $474 | $338 | $20 | $102 | $1,158 | $97 |
| Get Your Own Custom Quote Go | |||||||
Premium data assumes single male driver age 50, no speeding tickets, no at-fault accidents, $250 deductibles, and Arizona minimum liability limits. Discounts applied include safe-driver, claim-free, multi-vehicle, multi-policy, and homeowner. Price estimates do not factor in vehicle garaging location which can increase or decrease coverage rates substantially.
Physical damage deductibles
One common question asked by Scottsdale drivers is how high should the physical damage coverage deductibles be. The following insurance rates can help illustrate the price difference when you select higher and lower physical damage coverage deductibles. The first rate quote example uses a $250 deductible for physical damage and the second price table uses a $500 deductible.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Sienna CE | $202 | $390 | $300 | $18 | $90 | $1,025 | $85 |
| Sienna LE | $232 | $390 | $300 | $18 | $90 | $1,055 | $88 |
| Sienna LE AWD | $232 | $390 | $300 | $18 | $90 | $1,055 | $88 |
| Sienna XLE | $232 | $390 | $300 | $18 | $90 | $1,055 | $88 |
| Sienna XLE AWD | $232 | $460 | $300 | $18 | $90 | $1,125 | $94 |
| Sienna Limited | $262 | $460 | $300 | $18 | $90 | $1,155 | $96 |
| Sienna Limited AWD | $262 | $460 | $300 | $18 | $90 | $1,155 | $96 |
| Get Your Own Custom Quote Go | |||||||
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Sienna CE | $164 | $314 | $300 | $18 | $90 | $886 | $74 |
| Sienna LE | $188 | $314 | $300 | $18 | $90 | $910 | $76 |
| Sienna LE AWD | $188 | $314 | $300 | $18 | $90 | $910 | $76 |
| Sienna XLE | $188 | $314 | $300 | $18 | $90 | $910 | $76 |
| Sienna XLE AWD | $188 | $370 | $300 | $18 | $90 | $966 | $81 |
| Sienna Limited | $212 | $370 | $300 | $18 | $90 | $990 | $83 |
| Sienna Limited AWD | $212 | $370 | $300 | $18 | $90 | $990 | $83 |
| Get Your Own Custom Quote Go | |||||||
Data variables include married male driver age 30, no speeding tickets, no at-fault accidents, and Arizona minimum liability limits. Discounts applied include homeowner, claim-free, multi-vehicle, multi-policy, and safe-driver. Price information does not factor in specific zip code location which can affect insurance rates substantially.
We can derive from the above data that using a $250 deductible costs an average of $13 more each month or $156 a year across all Toyota Sienna models than quoting the higher $500 deductible. Since you would have to pay $250 more out of your own pocket with a $500 deductible as compared to a $250 deductible, if you go more than 19 months between claims, you would probably be better off if you choose the higher deductible. Below is a better example of how you can do this calculation yourself.
| Average monthly premium for $250 deductibles: | $91 |
| Average monthly premium for $500 deductibles (subtract): | – $78 |
| Monthly savings from raising deductible: | $13 |
| Difference between deductibles ($500 – $250): | $250 |
| Divide difference by monthly savings: | $250 / $13 |
| Number of months required between physical damage coverage claims in order to save money by choosing the higher deductible | 19 months |
Cautious drivers save money
The information below shows how traffic citations and fender-benders can raise Toyota Sienna auto insurance rates for each different age category. Data assumes a single female driver, full coverage, $1,000 deductibles, and no policy discounts are applied.
Cost comparison with and without full coverage
The diagram below visualizes the comparison of Toyota Sienna insurance rates when comparing full coverage to state minimum liability only. The prices are based on a clean driving record, no claims, $250 deductibles, single status, and no discounts are taken into consideration.
When to drop full coverage
There isn’t a steadfast formula of when to drop full coverage on your policy, but there is a guideline you can consider. If the annual cost of comprehensive and collision coverage is more than 10% of the replacement cost minus the deductible, then you may need to consider dropping full coverage.
For example, let’s pretend your Toyota Sienna replacement cost is $9,000 and you have $1,000 policy deductibles. If your vehicle is severely damaged, the most you would get paid by your company is $8,000 after paying your deductible. If it’s costing in excess of $800 a year for full coverage, then it might be time to buy liability only.
There are some circumstances where eliminating full coverage is not advised. If you still owe money on your vehicle, you have to keep full coverage as part of the loan conditions. Also, if you don’t have enough money to buy a different vehicle if your current one is totaled, you should not remove full coverage.
Toyota Sienna Insurance Prices Can Be More Affordable
An important part of buying insurance is that you know a few of the rating criteria that help determine the rates you pay for auto insurance. If you have a feel for what determines premiums, this enables you to make decisions that could result in better auto insurance rates.
Gender and auto insurance costs – Statistics demonstrate that men are more aggressive behind the wheel. It does not mean men are WORSE drivers than women. Females and males cause at-fault accidents at about the same rate, but males get into accidents with more damage. They also get more serious tickets like reckless driving and DUI.
The information below visualizes the comparison of Toyota Sienna insurance premiums for male and female drivers. The data is based on a clean driving record, no at-fault accidents, comp and collision included, $500 deductibles, single marital status, and no policy discounts are applied.
Costs go up with performance – The performance of the car you are trying to find cheaper insurance for makes a huge difference in how high your rates are. The cheapest rates are for the lowest performance passenger vehicles, but many other things help determine your insurance rates.
The next chart is based on a married male driver age 40, full coverage with $500 deductibles, and no discounts or violations. It illustrates Toyota Sienna rates compared to other vehicles that have a range of performance rating factors.
Premiums may be higher where you live – Living in areas with lower population has it’s advantages if you are looking for the lowest rates. Fewer drivers means reduced accidents as well as less vandalism and auto theft. Urban drivers regularly have traffic congestion and much longer commute distances. More time behind the wheel translates into higher accident risk.
High credit rating translates to low rates – A driver’s credit history is likely to be a major factor in determining your rates. Insureds with high credit scores tend to file fewer claims than those with bad credit. If your credit rating could use some work, you could save money insuring your Toyota Sienna by repairing your credit.
Insurance companies don’t like frequent claims – If you tend to file frequent claims, you can expect increased rates or even have your policy non-renewed. Insurance companies in Arizona give the best rates to policyholders who are not frequent claim filers. Insurance coverage is intended to be relied upon for larger claims.
How much liability coverage do you need? – A critical coverage on your policy, liability insurance provides coverage if you are responsible for causing personal injury or damage in an accident. Liability provides you with a defense in court to attempt to prove you were not liable. It is affordable coverage compared to comp and collision, so do not skimp.
Car features that cut prices – Choosing a vehicle with a theft deterrent system can help bring down rates. Theft prevention features such as vehicle immobilizer systems, General Motors OnStar and LoJack tracking systems all help prevent car theft and help bring rates down.
Toyota Sienna claim probability – Insurance companies use data from past claims to calculate a price that offsets possible losses. Models that statistically have higher loss trends will cost more for coverage. The table below shows the historical loss data for Toyota Sienna vehicles.
For each type of coverage, the statistical loss for all vehicles as a whole is set at 100. Values below 100 imply a favorable loss record, while numbers above 100 point to more losses or an increased probability of a larger loss.
| 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 |
Statistics from IIHS.org for 2013-2015 Model Years
Save money by taking advantage of discounts
Companies offering auto insurance do not advertise every discount they offer very well, so we break down a few of the more well known as well as the least known ways to save on auto insurance. If you are not receiving all the discounts you qualify for, you’re paying more than you need to.
- Seat Belts Save – Requiring all passengers to buckle up before driving can save up to 10 percent (depending on the company) off PIP or medical payments premium.
- Discount for New Cars – Putting coverage on a new Sienna is cheaper because new vehicles keep occupants safer.
- Discounts for Safe Drivers – Drivers without accidents may receive a discount up to 45% as compared to drivers with claims.
- Defensive Driving Course – Taking a defensive driving course may get you a small discount if your company offers it.
- Life Insurance Discount – Select companies reward you with a discount if you purchase auto and life insurance together.
- Discount for Low Mileage – Fewer annual miles on your Toyota could earn discounted auto insurance rates on garaged vehicles.
Policy discounts save money, but most of the big mark downs will not be given to all coverage premiums. Some only apply to the price of certain insurance coverages like medical payments or collision. So even though they make it sound like having all the discounts means you get insurance for free, it’s just not the way it works.
The diagram below compares Toyota Sienna insurance costs with and without discounts applied to the policy rates. The rate quotes are based on a female driver, a clean driving record, no at-fault accidents, Arizona state minimum liability limits, full coverage, and $500 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with claim-free, safe-driver, multi-car, homeowner, marriage, and multi-policy discounts applied.
A partial list of companies that may include these money-saving discounts are:
Before buying, ask all companies you are considering to apply every possible discount. Some of the earlier mentioned discounts may not be offered in Scottsdale. If you would like to view companies that provide some of the discounts listed above in Arizona, click this link.
Auto insurance agents near you
Many people still like to sit down with an agent and that is a smart decision One of the benefits of getting free rate quotes online is you may find cheap insurance rates and still have an agent to talk to.
By using this short form, the coverage information is submitted to local insurance agents in Scottsdale who will give you quotes for your insurance coverage. It’s much easier because you don’t need to visit any agencies because prices are sent immediately to your email address. You can find better rates without a big time investment. If you want to quote rates from one company in particular, you can always visit that company’s website and complete a quote there.
Finding the right insurance company needs to be determined by more than just a cheap price quote. Any agent in Scottsdale should be willing to answer these questions.
- Do they have adequate Errors and Omissions coverage? This protects you if they make a mistake.
- What discounts might you be missing?
- What is the financial rating for the quoted company?
- Is vehicle damage repaired with OEM or aftermarket parts?
- How much experience to they have in personal lines coverages?
- Which company do they place the most coverage with?
- What are their preferred companies if they are an independent agency?
- Do they offer rental car reimbursement?
After receiving answers to your satisfaction for all questions you ask and inexpensive Toyota Sienna insurance in Scottsdale quotes, you’ve probably found an insurer that can be trusted to properly insure your vehicles. But keep in mind you are entitled to cancel coverage at any time so don’t feel you are locked into the insurance policy indefinitely.
Shop around and save
When you buy Scottsdale auto insurance online, don’t be tempted to reduce coverage to reduce premium. There are a lot of situations where an insured cut uninsured motorist or liability limits and discovered at claim time they didn’t have enough coverage. Your aim should be to buy enough coverage for the lowest price.
A few companies don’t offer rates over the internet and these regional carriers sell through local independent agents. More affordable insurance in Scottsdale can be sourced on the web in addition to many Scottsdale insurance agents, and you should compare price quotes from both to have the best chance of lowering rates.
Additional information is available on the following sites:
- Rearview cameras reduce backing crashes (Insurance Institute for Highway Safety)
- Who Has Affordable Car Insurance for Nurses in Scottsdale? (FAQ)
- How Much is Car Insurance for Drivers Over Age 70 in Scottsdale? (FAQ)
- What Insurance is Cheapest for State Employees in Scottsdale? (FAQ)
- How Much are Auto Insurance Quotes for Retired Military in Scottsdale? (FAQ)
- How Much are Scottsdale Car Insurance Rates for a Kia Optima? (FAQ)
- What Insurance is Cheapest for a Honda Accord in Scottsdale? (FAQ)
- Who Has Affordable Auto Insurance for Government Employees in Scottsdale? (FAQ)
- What Insurance is Cheapest for a Toyota Corolla in Scottsdale? (FAQ)
- Who Has Affordable Scottsdale Auto Insurance for Low Income Drivers? (FAQ)
- Distracted Driving Extends Beyond Texting (State Farm)
- Things to Know Before you Cancel Insurance (Allstate)
- Insuring a Leased Car (Insurance Information Institute)
- Credit Impacts Car Insurance Rates (State Farm)