The best way to get low-cost car insurance rates in Toledo is to annually compare prices from different companies who provide auto insurance in Ohio.
- Spend some time learning about how insurance works and the modifications you can make to prevent expensive coverage. Many things that cause high rates such as traffic citations, accidents, and a substandard credit score can be controlled by improving your driving habits or financial responsibility.
- Request price quotes from independent agents, exclusive agents, and direct companies. Exclusive agents and direct companies can only quote rates from a single company like GEICO and State Farm, while agents who are independent can provide price quotes for a wide range of insurance providers.
- Compare the new rate quotes to your existing policy to determine if switching companies saves money. If you can save money and decide to switch, make sure there is no coverage gap between policies.
- Notify your company or agent of your decision to cancel your existing policy. Submit a down payment and signed policy application to the newly selected company. As soon as you receive it, place your new certificate of insurance in your vehicle’s glove compartment or console.
One key aspect of rate comparisons is to use similar coverage information on each quote request and and to analyze as many companies as feasibly possible. Doing this helps ensure a level playing field and a better comparison of the market.
It’s hard to believe, but a large majority of consumers have been with the same company for at least four years, and just short of a majority have never compared car insurance rates at all. Ohio consumers can save hundreds of dollars each year by just comparing quotes, but they just assume it takes a lot of time to shop their coverage around.
Companies offering Toyota Sienna insurance in Toledo
The companies in the list below can provide free quotes in Ohio. To locate the cheapest car insurance in Ohio, we suggest you click on several of them to get a more complete price comparison.
Data for Toyota Sienna insurance
The data table displayed next showcases a range of policy rates for Toyota Sienna models. Being aware of how insurance prices are formulated can help drivers make informed decisions.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Sienna CE | $142 | $238 | $298 | $18 | $88 | $784 | $65 |
| Sienna LE | $162 | $238 | $298 | $18 | $88 | $804 | $67 |
| Sienna LE AWD | $162 | $238 | $298 | $18 | $88 | $804 | $67 |
| Sienna XLE | $162 | $238 | $298 | $18 | $88 | $804 | $67 |
| Sienna XLE AWD | $162 | $280 | $298 | $18 | $88 | $846 | $71 |
| Sienna Limited | $184 | $280 | $298 | $18 | $88 | $868 | $72 |
| Sienna Limited AWD | $184 | $280 | $298 | $18 | $88 | $868 | $72 |
| Get Your Own Custom Quote Go | |||||||
Prices above based on single male driver age 30, no speeding tickets, no at-fault accidents, $500 deductibles, and Ohio minimum liability limits. Discounts applied include multi-vehicle, homeowner, claim-free, multi-policy, and safe-driver. Premium amounts do not factor in specific location which can revise insurance rates considerably.
The diagram below shows how choosing a deductible and can affect Toyota Sienna insurance premiums for each age group. The data is based on a single female driver, full coverage, and no discounts are applied to the premium.
Rate increases following a ticket or accident
The diagram below illustrates how traffic citations and accident claims influence Toyota Sienna insurance costs for different age groups of insureds. The data assumes a single male driver, comp and collision included, $100 deductibles, and no policy discounts are applied.
Insurance premiums for males and females
The diagram below illustrates the comparison of Toyota Sienna insurance rates for male and female drivers. The data assumes a clean driving record, no at-fault accidents, full physical damage coverage, $100 deductibles, single marital status, and no additional discounts are factored in.
Get cheaper Toyota Sienna insurance in Toledo with discounts
Some insurers don’t always advertise every discount very clearly, so the following is a list of both the well known as well as some of the hidden discounts that may be available. If you are not receiving all the discounts you qualify for, you could be saving more on your insurance.
- Pay Now and Pay Less – If paying your policy premium upfront rather than paying in monthly installments you could save 5% or more.
- Multi-car Discount – Purchasing coverage when you have several vehicles on a single policy can reduce the rates for all insured vehicles.
- Senior Citizen Rates – Mature drivers can possibly qualify for a small discount on rates.
- ABS and Traction Control Discounts – Cars, trucks, and SUVs with anti-lock braking systems can stop better under adverse conditions and therefore earn up to a 10% discount.
- Air Bag Discount – Factory air bags or automatic seat belts could see savings of up to 25% or more.
- Good Students Pay Less – Maintaining excellent grades may save as much as 25% on a Toledo car insurance quote. Most companies allow this discount up to age 25.
- Multiple Policy Discount – When you combine your home and auto insurance with one company you may save at least 10% off all policies.
- Theft Deterrent System – Cars equipped with anti-theft or alarm systems are stolen less frequently and that can save you a little bit as well.
- Safe Driver Discount – Safe drivers may save up to 50% more than drivers with accident claims.
- Buy New and Save – Putting insurance on a new Sienna is cheaper since newer models are generally safer.
Discounts lower rates, but most credits do not apply to your bottom line cost. Most cut specific coverage prices like collision or personal injury protection. Even though it may seem like adding up those discounts means a free policy, it doesn’t quite work that way.
The example below compares Toyota Sienna insurance prices with and without discounts applied to the rates. The premiums are based on a female driver, no driving violations, no at-fault accidents, Ohio 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 safe-driver, multi-policy, multi-car, marriage, homeowner, and claim-free discounts applied.
To see insurance companies with discount insurance rates in Toledo, follow this link.
Different people need different car insurance coverages
When it comes to proper insurance coverage, there is no “best” method to buy coverage. You are unique.
Here are some questions about coverages that can help discover whether or not you could use an agent’s help.
- Do I really need UM/UIM coverage?
- Will my Toyota Sienna be repaired with OEM or aftermarket parts?
- Do I need more liability coverage?
- Am I better off with higher deductibles on my Toyota Sienna?
- Do I need replacement cost coverage on my Toyota Sienna?
- Are all vehicle passengers covered by medical payments coverage?
- What is roadside assistance coverage?
If you can’t answer these questions but one or more may apply to you, you may need to chat with a licensed insurance agent. To find lower rates from a local agent, complete this form. It only takes a few minutes and you can get the answers you need.
Compare rates but work with a neighborhood Toledo auto insurance agent
A small number of people still prefer to have an agent’s advice and doing that can be a smart decision Agents are trained risk managers and help you file claims. A nice benefit of price shopping on the web is the fact that drivers can get the best rates and still have a local agent.
Once you complete this simple form, your coverage information gets sent to participating agents in Toledo who want to provide quotes for your business. It’s much easier because you don’t need to visit any agencies since rate quotes are delivered to the email address you provide. If you wish to get a comparison quote from a specific insurance company, you just need to go to their quote page and fill out the quote form the provide.
Choosing the best insurer requires more thought than just a cheap quote. Any agent in Toledo should be willing to answer these questions.
- Can glass repairs be made at your home?
- How long have they worked with personal auto insurance coverage?
- Is the agency involved in supporting local community causes?
- Will you be dealing directly with the agent or with a Custom Service Representative (CSR)?
- Do you have coverage for a rental car if your vehicle is in the repair shop?
- Will they take your side in the event of a claim?
- What will you get paid if your car is a total loss? How is that amount determined?
If you would like to find a reliable insurance agent, it helps to know the two different types of agents and how they can service your needs differently. Insurance agents are considered either exclusive or independent. Either one can properly insure your vehicles, but it’s worth mentioning the subtle differences because it may have an impact on buying decisions.
Exclusive Insurance Agents
Agents in the exclusive channel normally can only provide a single company’s rates such as Farmers Insurance or State Farm. These agents are unable to compare rates from other companies so they have to upsell other benefits. Exclusive insurance agents are highly trained on their company’s products which helps offset the inability to provide other markets. Many people purchase coverage from exclusives mainly due to high brand loyalty rather than having low rates.
Shown below is a list of exclusive insurance agents in Toledo who may provide you with rate quotes.
- Scott Wood – State Farm Insurance Agent
4802 N Summit St – Toledo, OH 43611 – (419) 726-3741 – View Map - Bud Moody – State Farm Insurance Agent
1751 W Sylvania Ave – Toledo, OH 43613 – (419) 471-9909 – View Map - Allstate Insurance: Arrow Dickerson
5415 Monroe St #2a – Toledo, OH 43623 – (419) 841-5017 – View Map
Independent Insurance Agents
Agents in the independent channel are not required to write business for one company and that allows them to write policies with an assortment of companies and find the cheapest insurance rates. If they quote lower rates, they simply move the coverage in-house which is easy for the insured.
When comparing insurance prices, you need to include several independent insurance agents to have the best price comparison. They also have the ability to place coverage with additional companies that you may not be familiar with that can offer cheaper rates than bigger companies.
Listed below are Toledo independent agents that are able to give price quote information.
- American Casualty Insurance
6060 Renaissance Pl i – Toledo, OH 43623 – (419) 885-3571 – View Map - Park and Co Insurance
5749 Park Center Ct – Toledo, OH 43615 – (419) 474-8135 – View Map - D and R Insurance Inc
240 S Reynolds Rd – Toledo, OH 43615 – (419) 535-5600 – View Map
Upon getting acceptable answers to any questions you may have and locked in a price quote, it’s possible that you found an insurance agent that is reliable enough to properly service your insurance policy.
Insurance coverages and their meanings
Having a good grasp of your insurance policy can be of help when determining appropriate coverage and proper limits and deductibles. The terms used in a policy can be confusing and coverage can change by endorsement.
UM/UIM Coverage
This coverage protects you and your vehicle’s occupants from other drivers when they either are underinsured or have no liability coverage at all. Covered losses include medical payments for you and your occupants as well as your vehicle’s damage.
Since a lot of drivers only purchase the least amount of liability that is required (which is 25/50/25), their limits can quickly be used up. So UM/UIM coverage is very important.
Coverage for liability
This can cover injuries or damage you cause to a person or their property by causing an accident. This coverage protects you from legal claims by others, and doesn’t cover damage to your own property or vehicle.
It consists of three limits, bodily injury per person, bodily injury per accident and property damage. You commonly see liability limits of 25/50/25 that translate to a $25,000 limit per person for injuries, a limit of $50,000 in injury protection per accident, and a limit of $25,000 paid for damaged property.
Liability can pay for claims like legal defense fees, emergency aid, attorney fees, repair costs for stationary objects and repair bills for other people’s vehicles. The amount of liability coverage you purchase is your choice, but you should buy higher limits if possible. Ohio state minimum liability requirements are 25/50/25 but you should think about purchasing higher limits.
The chart below demonstrates why buying the state minimum limits may not be enough coverage.
Medical costs insurance
Personal Injury Protection (PIP) and medical payments coverage reimburse you for expenses like prosthetic devices, dental work, ambulance fees, hospital visits and doctor visits. The coverages can be used to cover expenses not covered by your health insurance plan or if you are not covered by health insurance. Medical payments and PIP cover you and your occupants and also covers any family member struck as a pedestrian. Personal Injury Protection is not universally available and may carry a deductible
Collision protection
Collision coverage will pay to fix damage to your Sienna from colliding with another vehicle or an object, but not an animal. You first must pay a deductible then the remaining damage will be paid by your insurance company.
Collision insurance covers claims such as crashing into a ditch, hitting a mailbox, damaging your car on a curb and colliding with another moving vehicle. Paying for collision coverage can be pricey, so analyze the benefit of dropping coverage from lower value vehicles. Another option is to raise the deductible on your Sienna to get cheaper collision coverage.
Comprehensive or Other Than Collision
Comprehensive insurance coverage covers damage that is not covered by collision coverage. You first have to pay a deductible then the remaining damage will be covered by your comprehensive coverage.
Comprehensive coverage protects against things like rock chips in glass, vandalism and damage from getting keyed. The highest amount you can receive from a comprehensive claim is the actual cash value, so if the vehicle is not worth much it’s probably time to drop comprehensive insurance.
Persistence will pay off
There are still a few companies who may not offer the ability to get quotes online and many times these regional carriers sell through independent agencies. Budget-friendly auto insurance in Toledo is available from both online companies as well as from independent agents in Toledo, and you should be comparing both to get a complete price analysis.
Insureds switch companies for a number of reasons such as lack of trust in their agent, being labeled a high risk driver, policy cancellation or poor customer service. It doesn’t matter why you want to switch finding a new auto insurance company is easier than you think.
When searching for the cheapest Toyota Sienna rate quotes, it’s very important that you do not reduce coverage to reduce premium. There are a lot of situations where an insured dropped uninsured motorist or liability limits and learned later that they should have had better coverage. Your goal is to buy a smart amount of coverage at the best price, but don’t skip important coverages to save money.
Much more information about auto insurance in Ohio is available at the links below
- Car Insurance FAQ (Trusted Choice)
- What Auto Insurance is Cheapest for Teachers in Toledo? (FAQ)
- Who Has the Cheapest Toledo Auto Insurance Rates for Retired Military? (FAQ)
- Who Has Affordable Toledo Car Insurance for Seniors? (FAQ)
- What Car Insurance is Cheapest for Young Drivers in Toledo? (FAQ)
- Who Has the Cheapest Toledo Auto Insurance for 4×4 Vehicles? (FAQ)
- What Car Insurance is Cheapest for a Hyundai Sonata in Toledo? (FAQ)
- Understanding Limits and Deductibles (Allstate)
- Where can I buy Insurance? (Insurance Information Institute)
- Your Car has been Stolen: Now What? (Allstate)
- Insurance Losses by Make and Model (iihs.org)