Finding cheaper insurance for your Toyota Yaris in Arizona can be a painful process, but you can learn a few tricks and make it easy.
There are more efficient ways to buy car insurance and we’ll show you the quickest way to quote coverages for a new or used Toyota and find the lowest price from both online companies and Tucson agents.
Smart consumers take time to take a look at other company’s rates as often as possible due to the fact that insurance prices are usually higher with each renewal. Even if you got the best deal on Toyota Yaris insurance in Tucson six months ago the chances are good that you can find a lower rate quote today. Block out anything you think you know about car insurance because you’re about to learn how to quote online to find the best coverage while lowering your premiums.
If you have a policy now or want to find a cheaper company, you can use these techniques to get lower rates while maximizing coverage. Obtaining price quotes for the most affordable car insurance coverage in Tucson is not as hard as you may think. Vehicle owners only have to learn the proper methods to quote multiple rates over the internet.
The quickest way to get policy rate comparisons for Toyota Yaris insurance in Tucson is to know the fact most of the larger companies have advanced systems to quote your coverage. All consumers are required to do is provide information including whether you have decent credit, deductibles desired, types of safety features, and what you do for a living. Your rating data is then submitted to multiple companies and you get price estimates instantly.
If you would like to start a quote now, click here and enter your zip code.
The companies in the list below are ready to provide quotes in Arizona. If your goal is to find cheap car insurance in Arizona, it’s highly recommended you compare several of them to find the most affordable auto insurance rates.
Toyota Yaris coverage statistics
The coverage table shown next outlines detailed analysis of policy rates for Toyota Yaris models. Knowing how auto insurance premiums are calculated can aid in making smart buying decisions.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Yaris 2-Dr Hatchback | $198 | $448 | $410 | $24 | $122 | $1,202 | $100 |
| Yaris 4-Dr Hatchback | $198 | $448 | $362 | $22 | $108 | $1,138 | $95 |
| Yaris 4-Dr Sedan | $198 | $448 | $362 | $22 | $108 | $1,138 | $95 |
| Yaris S 2-Dr Hatchback | $226 | $448 | $410 | $24 | $122 | $1,230 | $103 |
| Yaris S 4-Dr Hatchback | $226 | $448 | $362 | $22 | $108 | $1,166 | $97 |
| Yaris S 4-Dr Sedan | $226 | $448 | $362 | $22 | $108 | $1,166 | $97 |
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Prices above based on single male driver age 40, no speeding tickets, no at-fault accidents, $250 deductibles, and Arizona minimum liability limits. Discounts applied include claim-free, multi-policy, safe-driver, multi-vehicle, and homeowner. Premium amounts do not factor in specific zip code location which can increase or decrease prices greatly.
Rate increases following a ticket or accident
The information below shows how speeding tickets and accident claims can increase Toyota Yaris premium costs for different insured age categories. The premiums assume a married female driver, full coverage, $100 deductibles, and no discounts are factored in.
Full coverage versus liability-only
The diagram below visualizes the comparison of Toyota Yaris insurance costs with liability coverage only compared to full coverage. The costs are based on a clean driving record, no at-fault accidents, $100 deductibles, drivers are single, and no discounts are factored in.
When to switch to liability coverage only
There is no clear-cut rule for phasing out full coverage on your policy, but there is a general guideline you can use. If the annual cost of your full coverage insurance is about 10% or more of the replacement cost of your vehicle minus the policy deductible, then you might want to think about dropping full coverage.
For example, let’s pretend your Toyota Yaris replacement value is $3,000 and you have $1,000 physical damage deductibles. If your vehicle is totaled in an accident, the most your company will settle for is $2,000 after paying the physical damage deductible. If you are paying more than $200 a year for comprehensive and collision coverage, then you may need to consider dropping full coverage.
There are a few situations where eliminating full coverage is not a good idea. If you still have a lienholder on your title, you must maintain physical damage coverage as part of the loan requirements. Also, if you can’t afford to buy a different vehicle in the even your car is totaled, you should not opt for liability only.
Insurance agent or online?
A lot of people would prefer to get professional advice from a licensed agent and that can be a smart move Professional agents can point out coverage gaps and help file insurance claims. An additional benefit of getting online price quotes is that you can find cheap rate quotes and still buy from a local agent. Buying from small agencies is definitely important in Tucson.
After filling out this form (opens in new window), the quote information is transmitted to companies in Tucson who can give free rate quotes for your business. It makes it easy because there is no need to even leave your home since price quotes are sent immediately to your email address. If you have a need to get a price quote from a specific auto insurance provider, you just need to visit that company’s website to submit a rate quote request.
Two types of car insurance agents
If you need to find a reputable agency, it helps to know the two different agency structures that you can choose from. Agencies in Tucson can either be exclusive or independent (non-exclusive). Both write auto insurance policies, but it’s worth learning the difference between them since it may influence the type of agent you choose.
Independent Insurance Agents
These type of agents are not restricted to one company and that allows them to write policies with multiple insurance companies and find you cheaper rates. To transfer your coverage to a different company, the agent simply finds a different carrier which makes it simple for you.
If you need lower rates, you definitely need to include rate quotes from at a minimum one independent agency for the best price selection. Most can insure with small regional insurance companies which may have better rates.
Featured below is a small list of independent agents in Tucson that can give you free auto insurance quotes.
- Arizona Insurance Clinic
4925 E 5th St Suite # 101 – Tucson, AZ 85711 – (520) 323-6887 – View Map - Mooney Insurance
10501 E Seven Generations Way #103 – Tucson, AZ 85747 – (520) 751-0502 – View Map - Mike Pierce Insurance
1809 S 6th Ave – Tucson, AZ 85713 – (520) 884-8488 – View Map
Exclusive Auto Insurance Agencies
These type of agents normally can only provide a single company’s rates and examples are Farmers Insurance, State Farm, Allstate, and AAA. They generally cannot shop your coverage around so they are skilled at selling on more than just price. They receive a lot of sales training on the products they sell and that can be a competitive advantage. Some insured continue to use the same agent mostly because of loyalty to the company rather than low rates.
The following are exclusive insurance agents in Tucson that can give you rate quotes.
- GEICO Insurance Agent
3255 E Speedway Blvd – Tucson, AZ 85716 – (520) 747-4223 – View Map - Tom DeBerry – State Farm Insurance Agent
4178 E 22nd St – Tucson, AZ 85711 – (520) 745-2800 – View Map - Rebecca Sanford – State Farm Insurance Agent
5605 E River Rd #211 – Tucson, AZ 85750 – (520) 615-0800 – View Map
Deciding on an auto insurance agent should depend on more than just a cheap quote. Any agent in Tucson should have no problem answering these questions:
- Do they have a Better Business Bureau rating in Tucson?
- Is there a Errors and Omissions policy in force?
- What will you get paid if your car is a total loss? How is that amount determined?
- Did they already check your driving record and credit reports?
- Does the company allow you to choose your own collision repair facility?
If you get good answers to any questions you may have and a low price estimate, you may have just found an insurance agent that is reliable enough to service your policy. Just be aware that you have the power to terminate coverage at any point so don’t assume that you are obligated to a policy for any length of time.