If you want to find the absolute lowest rates, then the best way to save on Toyota Sienna insurance is to compare prices regularly from insurers in Tucson.
- Step 1: Try to understand how companies price auto insurance and the measures you can take to prevent expensive coverage. Many things that increase rates like traffic citations, accidents, and a lousy credit rating can be amended by making minor changes in your lifestyle. Keep reading for more information to get affordable coverage and find additional discounts.
- Step 2: Compare rates from exclusive agents, independent agents, and direct providers. Exclusive agents and direct companies can give quotes from one company like GEICO and State Farm, while independent agents can provide rate quotes for a wide range of insurance providers.
- Step 3: Compare the new rate quotes to your current policy and determine if there is any savings. If you find a lower rate quote and change companies, make sure there is no lapse between the expiration of your current policy and the new one.
- Step 4: Give notification to your agent or company to cancel your current auto insurance policy. Submit a down payment along with a completed application to your new company or agent. Once the application is submitted, keep your new certificate verifying coverage in an accessible location in your vehicle.
The key thing to know about shopping around is to use the same amount of coverage on every quote request and and to compare as many car insurance companies as possible. This helps ensure a fair price comparison and a complete price analysis.
It’s safe to assume that insurance companies want to keep you from shopping around. Consumers who get price quotes annually will probably switch auto insurance companies because of the high probability of finding a more affordable policy premium. A recent auto insurance study revealed that consumers who made a habit of comparing rates saved on average $72 a month compared to those who don’t regularly compare prices.
If finding low prices for Toyota Sienna insurance is the reason for your visit, then having some insight into the best ways to shop for coverages can make the process more efficient.
If you have insurance now or just want cheaper rates, use these techniques to reduce premiums without reducing protection. Our objective in writing this article is to teach you the best methods to compare rates. Drivers only have to learn the most efficient way to compare prices online from multiple companies.
How to compare Toyota Sienna insurance price quotes in Tucson, AZ
The companies in the list below have been selected to offer quotes in Arizona. To get the best car insurance in Tucson, it’s highly recommended you visit several of them to get the best price comparison.
Data for Toyota Sienna insurance
The premium table shown below highlights different insurance prices for Toyota Sienna models. Having a good grasp of how insurance policy rates are determined can aid in making decisions when shopping around.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Sienna CE | $194 | $480 | $338 | $20 | $102 | $1,134 | $95 |
| Sienna LE | $222 | $480 | $338 | $20 | $102 | $1,162 | $97 |
| Sienna LE AWD | $222 | $480 | $338 | $20 | $102 | $1,162 | $97 |
| Sienna XLE | $222 | $480 | $338 | $20 | $102 | $1,162 | $97 |
| Sienna XLE AWD | $222 | $566 | $338 | $20 | $102 | $1,248 | $104 |
| Sienna Limited | $250 | $566 | $338 | $20 | $102 | $1,276 | $106 |
| Sienna Limited AWD | $250 | $566 | $338 | $20 | $102 | $1,276 | $106 |
| Get Your Own Custom Quote Go | |||||||
Table data represents single male driver age 50, no speeding tickets, no at-fault accidents, $100 deductibles, and Arizona minimum liability limits. Discounts applied include safe-driver, homeowner, claim-free, multi-policy, and multi-vehicle. Price estimates do not factor in your specific Tucson location which can raise or lower premium rates noticeably.
Physical damage deductible comparison
One common question asked by Tucson drivers is how high should the physical damage coverage deductibles be. The figures shown below may help to conceptualize how much more you’ll pay between low and high insurance deductibles. The first rate quote example uses a $250 deductible for comp and collision and the second set of rates 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 | |||||||
Above prices assume married male driver age 30, no speeding tickets, no at-fault accidents, and Arizona minimum liability limits. Discounts applied include multi-policy, homeowner, claim-free, safe-driver, and multi-vehicle. Estimates do not factor in your specific Tucson location which can increase or decrease price quotes greatly.
Based on this data, we can arrive at the conclusion that using a $250 deductible costs approximately $13 more each month or $156 every year than requesting the higher $500 deductible. Because you would be required to pay $250 more to settle a claim with a $500 deductible as compared to a $250 deductible, if you tend to average at least 19 months between claims, you would probably be better off by going with a higher deductible. Below is an example of how we made this calculation.
| 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 |
The diagram below illustrates how your deductible choice and can increase or decrease Toyota Sienna insurance rates for each age group. The information is based on a married male driver, full coverage, and no other discounts are factored in.
How careless driving impacts insurance rates
The chart below shows how traffic citations and accidents can affect Toyota Sienna auto insurance costs for different insured age categories. The premiums are based on a married female driver, full coverage, $1,000 deductibles, and no discounts are factored in.
Car insurance in Arizona serves several purposes
Despite the fact that car insurance is not cheap in Tucson, car insurance is required in Arizona but also provides important benefits.
- Most states have minimum mandated liability insurance limits which means the state requires specific limits of liability protection in order to license the vehicle. In Arizona these limits are 15/30/10 which means you must have $15,000 of bodily injury coverage per person, $30,000 of bodily injury coverage per accident, and $10,000 of property damage coverage.
- If your vehicle has a lienholder, almost every bank will require that you have physical damage coverage to guarantee payment of the loan. If you do not keep the policy in force, the bank or lender will purchase a policy for your Toyota at a more expensive rate and require you to fork over for the much more expensive policy.
- Insurance safeguards your vehicle and your assets. It also can pay for most medical and hospital costs for you, any passengers, and anyone injured in an accident. Liability coverage also pays expenses related to your legal defense if anyone sues you for causing an accident. If your car is damaged in a storm or accident, your policy will pay to repair the damage minus the deductible amount.
The benefits of carrying enough insurance more than cancel out the cost, especially with large liability claims. Unknowingly, the average driver is wasting up to $750 every year so it’s recommended you shop around once a year at a minimum to be sure current rates are still competitive.
Companies offer many discounts on Toyota Sienna insurance in Tucson
Car insurance companies do not list every discount very clearly, so the list below gives a summary of a few of the more common and also the more inconspicuous credits that may apply to you. If you do not check that you are getting every discount you deserve, you’re paying more than you need to.
- Anti-theft System – Cars optioned with advanced anti-theft systems have a lower chance of being stolen and will save you 10% or more on Sienna insurance in Tucson.
- Payment Discounts – By making one initial payment rather than paying monthly you could save up to 5%.
- Passenger Safety Discount – Vehicles equipped with air bags or automatic seat belts can receive discounts of 20 to 30 percent.
- Auto/Life Discount – If the company offers life insurance, you could get a lower price if you buy a life insurance policy as well.
- Save with a New Car – Buying insurance coverage on a new vehicle can cost up to 25% less compared to insuring an older model.
A quick disclaimer, most discount credits are not given to the entire cost. Most cut individual premiums such as collision or personal injury protection. So even though they make it sound like adding up those discounts means a free policy, companies don’t profit that way.
The information below compares Toyota Sienna yearly insurance costs with and without discounts applied to the premium. The premiums assume a male driver, no violations or accidents, Arizona state minimum liability limits, full coverage, and $100 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with homeowner, marriage, multi-policy, claim-free, multi-car, and safe-driver discounts applied.
The best car insurance companies and a partial list of their discounts are:
- State Farm discounts include student away at school, anti-theft, multiple autos, good student, passive restraint, and Drive Safe & Save.
- GEICO may have discounts that include good student, multi-vehicle, driver training, military active duty, seat belt use, and membership and employees.
- Allstate offers discounts for economy car, EZ pay plan discount, good payer, premier discount, utility vehicle, and anti-theft.
- SAFECO offers premium reductions for accident prevention training, drive less, homeowner, anti-theft, and safe driver.
- Farm Bureau has discounts for safe driver, renewal discount, good student, 55 and retired, multi-policy, driver training, and multi-vehicle.
- Progressive includes discounts for continuous coverage, multi-policy, online signing, homeowner, and multi-vehicle.
- AAA policyholders can earn discounts including anti-theft, good student, pay-in-full, AAA membership discount, education and occupation, multi-car, and good driver.
If you want cheaper Tucson car insurance quotes, ask all the companies what discounts are available to you. Discounts might not be available to policyholders in your state. If you would like to see a list of companies with discount rates in Tucson, click here.
Independent versus exclusive insurance agents
Many drivers still prefer to buy from a licensed agent and we recommend doing that Licensed agents can point out coverage gaps and help in the event of a claim. The biggest benefit of comparing insurance online is the fact that you can find the lowest rates and still choose a local agent. Putting coverage with neighborhood insurance agencies is important particularly in Tucson.
After filling out this form (opens in new window), your coverage information is immediately sent to companies in Tucson that provide free Tucson car insurance quotes for your insurance coverage. There is no reason to visit any agencies as quotes are delivered instantly to you. If you have a need to get a comparison quote from a specific insurance company, don’t hesitate to jump over to their website and give them your coverage information.
How to choose the best auto insurance agent in Tucson
If you need to find a good Tucson insurance agent, you need to know there are two different agency structures and how they can service your needs differently. Tucson agents can either be exclusive or independent agents depending on their company appointments. Either one can write insurance policies, but it is a good idea to know the differences because it can impact your selection of an agent.
Independent Insurance Agents
Independent insurance agents often have many company appointments and that allows them to write policies with many different companies depending on which coverage is best. If prices rise, they simply move your policy to a different company which is easy for the insured.
When comparing insurance rates, you will definitely want to get several quotes from at a minimum one independent agency in order to compare the most rates. Most have the option of insuring with additional companies that you may not be familiar with which may have better rates.
Shown below are Tucson independent agencies who may be able to give you free rate quotes.
- The Insurance House
2725 E Broadway Blvd – Tucson, AZ 85716 – (520) 795-7737 – View Map - AZ Insurance Center
8880 E Speedway Blvd #101 – Tucson, AZ 85710 – (520) 722-0665 – View Map - Arizona Southern Insurance Agency
6544 E 22nd St – Tucson, AZ 85710 – (520) 747-3900 – View Map
Exclusive Insurance Agencies
These type of agents can only provide pricing for a single company and some examples include State Farm or Allstate. Exclusive agents are unable to give you multiple price quotes so they are skilled at selling on more than just price. Exclusive insurance agents are well schooled on the products they sell which helps offset the inability to provide other markets. Consumers often buy from the same agent for years primarily because of the brand name rather than low price.
The following are exclusive insurance agents in Tucson that can give you rate quotes.
- Kevin Dale – State Farm Insurance Agent
5643 E Grant Rd – Tucson, AZ 85712 – (520) 721-8184 – View Map - American Family Insurance – Thom Wadlund
4500 E Grant Rd Ste A – Tucson, AZ 85712 – (520) 318-0734 – View Map - Nancy Craney – State Farm Insurance Agent
3720 W Ina Rd #132 – Tucson, AZ 85741 – (520) 742-9947 – View Map
Finding the right insurance agent shouldn’t rely on just the quoted price. Agents should be asked these questions:
- Can you get a list of referrals?
- How will an accident affect your rates?
- If independent agents, which companies do they recommend?
- If you have an accident, are you able to get your vehicle repaired at the shop of your choice?
- Will the agent help in case of a claim?
Everyone needs different insurance coverages
When it comes to a policy, there is no “best” method to buy coverage. Your needs are unique to you.
For instance, these questions can help discover whether you may require specific advice.
- What is glass protection for?
- Are split liability limits better than a combined single limit?
- What is the minimum liability in Arizona?
- If I drive on a suspended license am I covered?
- Does coverage extend to a rental car in a foreign country?
- Do I need added coverage for expensive stereo equipment?
- Will my insurance pay for OEM parts?
If it’s difficult to answer those questions, you might consider talking to a licensed agent. If you don’t have a local agent, simply complete this short form. It’s fast, doesn’t cost anything and can help protect your family.
Specific coverages for a Toyota Sienna
Knowing the specifics of car insurance can be of help when determining the best coverages at the best deductibles and correct limits. The terms used in a policy can be difficult to understand and nobody wants to actually read their policy.
Liability insurance
This coverage protects you from damage that occurs to other’s property or people by causing an accident. This insurance protects YOU from claims by other people. It does not cover your own vehicle damage or injuries.
Coverage consists of three different limits, bodily injury per person, bodily injury per accident and property damage. You might see liability limits of 15/30/10 which stand for a limit of $15,000 per injured person, a total of $30,000 of bodily injury coverage per accident, and property damage coverage for $10,000. Another option is one limit called combined single limit (CSL) that pays claims from the same limit rather than limiting it on a per person basis.
Liability coverage pays for things like attorney fees, repair bills for other people’s vehicles, funeral expenses and court costs. How much liability coverage do you need? That is a personal decision, but you should buy as much as you can afford. Arizona state law requires minimum liability limits of 15/30/10 but it’s recommended drivers buy more coverage.
The illustration below demonstrates why buying the state minimum limits may not be enough coverage.
Comprehensive or Other Than Collision
Comprehensive insurance pays to fix your vehicle from damage that is not covered by collision coverage. You first have to pay a deductible and then insurance will cover the rest of the damage.
Comprehensive coverage pays for things such as fire damage, a broken windshield, damage from getting keyed and hail damage. The maximum amount a car insurance company will pay at claim time is the market value of your vehicle, so if your deductible is as high as the vehicle’s value consider dropping full coverage.
UM/UIM Coverage
Uninsured or Underinsured Motorist coverage protects you and your vehicle from other motorists when they do not carry enough liability coverage. Covered losses include hospital bills for your injuries and damage to your Toyota Sienna.
Since a lot of drivers only purchase the least amount of liability that is required (which is 15/30/10), their limits can quickly be used up. For this reason, having high UM/UIM coverages is important protection for you and your family. Normally these limits are set the same as your liability limits.
Medical costs insurance
Med pay and PIP coverage kick in for bills like surgery, prosthetic devices and dental work. They can be utilized in addition to your health insurance policy or if you lack health insurance entirely. They cover all vehicle occupants and also covers if you are hit as a while walking down the street. Personal injury protection coverage is only offered in select states and gives slightly broader coverage than med pay
Collision coverage
Collision coverage will pay to fix damage to your Sienna resulting from a collision with a stationary object or other vehicle. A deductible applies then your collision coverage will kick in.
Collision coverage protects against claims such as sustaining damage from a pot hole, crashing into a building, damaging your car on a curb and hitting a mailbox. Collision is rather expensive coverage, so you might think about dropping it from lower value vehicles. You can also increase the deductible on your Sienna to bring the cost down.
Don’t give up on cheap premiums
Consumers leave their current company for many reasons like being labeled a high risk driver, not issuing a premium refund, policy cancellation and high prices. Whatever your reason, finding a new insurance company is pretty simple and you could end up saving a buck or two.
Cheap Toyota Sienna insurance in Tucson is definitely available from both online companies as well as from insurance agents, so you should compare both so you have a total pricing picture. Some companies may not offer rate quotes online and these regional carriers only sell through independent agents.
You just learned a lot of tips how to shop for Toyota Sienna insurance online. It’s most important to understand that the more you quote Tucson car insurance, the higher your chance of finding affordable Toyota Sienna insurance quotes. You may even discover the lowest priced insurance comes from some of the smallest insurance companies.
More tips and info about insurance is located at these sites:
- Car Insurance for Teen Drivers with Divorced Parents (Allstate)
- How Much is Auto Insurance for a Company Car in Tucson? (FAQ)
- Who Has the Cheapest Car Insurance Quotes for College Graduates in Tucson? (FAQ)
- Who Has the Cheapest Tucson Auto Insurance for Immigrants? (FAQ)
- What Auto Insurance is Cheapest with Multiple Speeding Tickets in Tucson? (FAQ)
- Who Has Affordable Tucson Auto Insurance for Drivers with Good Credit? (FAQ)
- Who Has Affordable Tucson Auto Insurance for Postal Workers? (FAQ)
- Who Has Cheap Auto Insurance Quotes for Single Moms in Tucson? (FAQ)
- Who Has the Cheapest Tucson Car Insurance Rates for Real Estate Agents? (FAQ)
- Learn About Car Insurance (GEICO)
- Vehicle Safety Ratings (iihs.org)
- Where can I buy Insurance? (Insurance Information Institute)