It takes a little time, but the best way to save on Toyota Yaris insurance is to start doing a yearly price comparison from different companies in Riverside.
- First, learn about how insurance companies determine prices and the modifications you can make to prevent high rates. Many policy risk factors that result in higher rates like traffic citations and a negative credit history can be controlled by making small lifestyle or driving habit changes.
- Second, get rate quotes from independent agents, exclusive agents, and direct companies. Direct companies and exclusive agencies can only give rate quotes from one company like GEICO and Allstate, while independent agents can quote prices for many different companies. Compare rates
- Third, compare the new quotes to your current policy to determine if you can save on Yaris insurance in Riverside. If you find a lower rate quote and decide to switch, ensure coverage does not lapse between policies.
- Fourth, tell your current agent or company to cancel the current policy and submit the signed application along with the required initial payment to the new insurer. As soon as you receive it, safely store the certificate verifying coverage in an easily accessible location.
A tip to remember is that you’ll want to compare similar limits and deductibles on every quote request and and to get price quotes from as many carriers as you can. Doing this provides an apples-to-apples comparison and the best rate selection.
It’s amazing but most California car insurance customers kept buying from the same company for a minimum of four years, and almost 40% of drivers have never compared car insurance rates at all. U.S. drivers could save themselves as much as $860 a year, but they think it’s difficult to compare rates online.
All the larger auto insurance companies make it easy to get coverage price quotes directly from their websites. Comparing Toyota Yaris insurance rates online is pretty painless as you just type in your required coverages as detailed in the form. When complete, the system will obtain your driving record and credit report and generates a price based on these factors.
The ability to get online quotes for Toyota Yaris insurance in Riverside makes it a lot easier to compare rates and it’s necessary to get many rate quotes if you want to find cheap rates.
To quickly fill out one form to compare multiple rates now, compare rates from the companies below. To compare your current rates, we recommend that you enter deductibles and limits as shown on your current policy. This way, you are getting a fair comparison based on the exact same insurance coverage.
The auto insurance companies shown below are our best choices to provide price comparisons in California. If the list has multiple companies, we suggest you compare several of them to get the best price comparison.
Insurance data for a Toyota Yaris
The coverage table displayed next showcases different insurance premium costs for Toyota Yaris models. Having a better idea how policy premiums are determined is important to be able to make smart choices when comparing insurance rates.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Yaris 2-Dr Hatchback | $268 | $570 | $674 | $40 | $202 | $1,754 | $146 |
| Yaris 4-Dr Hatchback | $268 | $570 | $596 | $36 | $178 | $1,648 | $137 |
| Yaris 4-Dr Sedan | $268 | $570 | $596 | $36 | $178 | $1,648 | $137 |
| Yaris S 2-Dr Hatchback | $308 | $570 | $674 | $40 | $202 | $1,794 | $150 |
| Yaris S 4-Dr Hatchback | $308 | $570 | $596 | $36 | $178 | $1,688 | $141 |
| Yaris S 4-Dr Sedan | $308 | $570 | $596 | $36 | $178 | $1,688 | $141 |
| Get Your Own Custom Quote Go | |||||||
Data based on single female driver age 30, no speeding tickets, no at-fault accidents, $500 deductibles, and California minimum liability limits. Discounts applied include multi-vehicle, claim-free, safe-driver, homeowner, and multi-policy. Rate quotes do not factor in specific garaging location which can change price quotes substantially.
Deductible analysis
A question often asked by Riverside drivers is how high should the physical damage coverage deductibles be. The premium rates below can help you understand the costs and benefits when you buy lower versus higher physical damage deductibles. The first rate table uses a $250 deductible for comp and collision and the second price table uses a $500 deductible.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Yaris 2-Dr Hatchback | $298 | $576 | $500 | $30 | $150 | $1,579 | $132 |
| Yaris 4-Dr Hatchback | $298 | $576 | $442 | $26 | $132 | $1,499 | $125 |
| Yaris 4-Dr Sedan | $298 | $576 | $442 | $26 | $132 | $1,499 | $125 |
| Yaris S 2-Dr Hatchback | $342 | $576 | $500 | $30 | $150 | $1,623 | $135 |
| Yaris S 4-Dr Hatchback | $342 | $576 | $442 | $26 | $132 | $1,543 | $129 |
| Yaris S 4-Dr Sedan | $342 | $576 | $442 | $26 | $132 | $1,543 | $129 |
| Get Your Own Custom Quote Go | |||||||
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Yaris 2-Dr Hatchback | $242 | $464 | $500 | $30 | $150 | $1,386 | $116 |
| Yaris 4-Dr Hatchback | $242 | $464 | $442 | $26 | $132 | $1,306 | $109 |
| Yaris 4-Dr Sedan | $242 | $464 | $442 | $26 | $132 | $1,306 | $109 |
| Yaris S 2-Dr Hatchback | $278 | $464 | $500 | $30 | $150 | $1,422 | $119 |
| Yaris S 4-Dr Hatchback | $278 | $464 | $442 | $26 | $132 | $1,342 | $112 |
| Yaris S 4-Dr Sedan | $278 | $464 | $442 | $26 | $132 | $1,342 | $112 |
| Get Your Own Custom Quote Go | |||||||
Data assumes married male driver age 30, no speeding tickets, no at-fault accidents, and California minimum liability limits. Discounts applied include safe-driver, multi-policy, homeowner, multi-vehicle, and claim-free. Premium amounts do not factor in garaging location in Riverside which can increase or decrease premiums considerably.
Based on the data above, we can derive that using a $250 deductible costs an average of $16 more each month or $192 every year averaged for all Yaris models than opting for the higher $500 deductible. Since the policyholder would be required to pay $250 more to settle a claim with a $500 deductible as compared to a $250 deductible, if you normally go at a minimum 16 months between claims, you would save more money if you decide on a higher deductible.
The example below shows how choosing a deductible and can increase or decrease Toyota Yaris insurance costs for different age groups. The price estimates are based on a married male driver, full coverage, and no discounts are applied to the premium.
Toyota Yaris full coverage rates compared to liability only
The chart below shows the comparison of Toyota Yaris car insurance costs with and without physical damage coverage. The prices are based on a clean driving record, no at-fault accidents, $1,000 deductibles, marital status is single, and no policy discounts are applied.
Are you wasting money paying for full coverage?
There isn’t a written rule to drop comp and collision coverage, but there is a general guideline. If the yearly cost of full coverage is 10% or more of any settlement you would receive from your insurance company, then it might be time to buy liability only.
For example, let’s assume your Toyota Yaris book value is $8,000 and you have $1,000 full coverage deductibles. If your vehicle is severely damaged, the most you would receive is $7,000 after paying the physical damage deductible. If you are paying in excess of $700 a year for your policy with full coverage, then you might consider buying liability only.
There are some circumstances where removing full coverage is not in your best interest. If you have an outstanding loan on your vehicle, you are required to maintain full coverage in order to prevent your loan from defaulting. Also, if you can’t afford to buy a different vehicle in case of an accident, you should maintain full coverage.
Buying the right Yaris insurance in California is an important decision
Despite the fact that insurance is not cheap in Riverside, paying for insurance is required in California but also provides important benefits.
- Almost all states have minimum liability requirements which means you are required to buy a minimum amount of liability protection in order to drive the car. 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.
- If you bought your vehicle with a loan, almost every bank will require that you have full coverage to ensure loan repayment if the vehicle is totaled. If the policy lapses, the lender will be forced to insure your Toyota at a much higher premium rate and force you to pay a much higher amount than you were paying before.
- Insurance preserves both your vehicle and your assets. It will also cover medical bills for both you and anyone you injure as the result of an accident. Liability insurance also covers all legal expenses up to the policy limit if anyone sues you for causing an accident. If your Toyota gets damaged, your policy will pay to repair the damage minus the deductible amount.
The benefits of buying insurance greatly outweigh the cost, specifically if you ever have a liability claim. According to a recent study, the average American driver is wasting up to $700 annually so compare quotes from several companies each time the policy renews to help ensure money is not being wasted.
The Toyota Yaris Insurance Premium Equation
Consumers need to have an understanding of the factors that play a part in calculating your auto insurance rates. If you understand what determines premiums, this empowers consumers to make smart changes that may reward you with lower rates.
- Liability insurance preserves assets – A critical coverage on your policy, liability insurance will afford coverage when you are ruled to be at fault for personal injury or accident damage. It will provide you with a defense in court to defend your case. This coverage is very inexpensive when compared with rates for comp and collision, so do not cut corners here.
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Fast cars cost more to insure – The make and model of the vehicle you own makes a huge difference in how high your rates are. The lowest base rates are generally reserved for small economy passenger cars, but that’s not the only thing that factors into the final price.
The chart below assumes a married male driver age 50, full coverage with $1000 deductibles, and no discounts or violations. It compares Toyota Yaris car insurance rates compared to other models of vehicles that have a range of risk factors.
- If you don’t need it don’t buy it – Insurance policies have a lot of additional extra coverages that may not really be needed when buying auto insurance. Insurance for things like rental car reimbursement, death and dismemberment, and Farm Bureau memberships may be wasting your money. They may seem good when you first buy your policy, but now you might not need them so get rid of them and save.
- Discounts for married drivers – Having a wife or husband can get you a discount compared to being single. Having a spouse translates into being more mature than a single person and it’s proven that married drivers get in fewer accidents.
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Poor driving habits leads to higher premiums – How you drive influences premium rates substantially. Even one moving violation may increase your cost to the point where it’s not affordable. Careful drivers get better rates compared to drivers with tickets. People who have flagrant citations such as reckless driving, hit and run or driving under the influence may find that they have to to file a SR-22 with their state DMV in order to prevent their license from being revoked.
The chart below demonstrates how traffic citations and accident claims raise Toyota Yaris insurance premiums for different age groups. Data assumes a married female driver, full physical damage coverage, $100 deductibles, and no discounts are taken into consideration.
- Pay more of a claim out-of-pocket – Comp and collision deductibles tell how much you are willing to pay before your auto insurance pays a claim. Insurance for physical damage to your car, commonly called comprehensive (or other-than-collision) and collision coverage, protects your car from damage. A few examples of covered claims are colliding with a stationary object, hail damage, and having a roll-over accident. The higher the amount you have to pay, the lower your rates will be.
- Optional features impact rates – Selecting a car model that has an advanced theft prevention system can earn a premium discount. Theft prevention devices like GM’s OnStar, tamper alarm systems and vehicle immobilizers can thwart car theft.
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Insurance loss probability for a Toyota Yaris – Insurance companies analyze claim trends for every vehicle when determining insurance rates. Vehicles that statistically have increased losses will have a higher cost to insure.
The table below demonstrates the actual insurance loss data for Toyota Yaris vehicles. For each policy coverage type, the claim amount for all vehicles averaged together is represented as 100. Values that are under 100 suggest a better than average loss history, while values over 100 show a trend for more claims or an increased likelihood of larger losses.
Toyota Yaris Insurance Claim Statistics Specific Toyota Model Collision Property Damage Comp Personal Injury Medical Payment Bodily Injury Toyota Yaris 94 88 92 BETTERAVERAGEWORSEEmpty fields indicate not enough data collected
Statistics Source: Insurance Institute for Highway Safety for 2013-2015 Model Years
Affordable rates with discounts
Car insurance companies don’t always publicize every policy discount very well, so below is a list a few of the more common in addition to some of the lesser obvious credits available to you.
- Home Ownership Discount – Simply owning a home can get you a discount due to the fact that maintaining a home is proof that your finances are in order.
- Government Employee Discount – Federal government employees may qualify for a discount when you quote Riverside auto insurance with certain companies.
- Responsible Drivers – Insureds without accidents may receive a discount up to 45% than their less cautious counterparts.
- No Accidents – Insureds with no claims or accidents are rewarded with significantly better rates on Riverside auto insurance quote in comparison with drivers who are more careless.
- Drive Less and Save – Driving less could qualify for lower rates on the low mileage vehicles.
One last thing about discounts, most discount credits are not given to your bottom line cost. Some only apply to individual premiums such as comprehensive or collision. Despite the fact that it seems like all those discounts means the company will pay you, it’s just not the way it works.
The diagram below illustrates the difference between Toyota Yaris auto insurance costs with and without discounts being applied to the rates. The premiums assume a male driver, no accidents, no driving violations, 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 claim-free, multi-policy, safe-driver, multi-car, marriage, and homeowner discounts applied.
A few of the larger companies and their possible discounts include:
- 21st Century may have discounts that include student driver, air bags, anti-lock brakes, teen driver, good student, 55 and older, and automatic seat belts.
- Progressive offers discounts including online signing, online quote discount, multi-policy, multi-vehicle, and continuous coverage.
- State Farm may offer discounts for Steer Clear safe driver discount, defensive driving training, good driver, anti-theft, safe vehicle, driver’s education, and passive restraint.
- Nationwide has savings for Farm Bureau membership, defensive driving, business or organization, accident-free, good student, family plan, and multi-policy.
- Esurance offers discounts for emergency road assistance, claim free, online quote, good student, and defensive driver.
- The Hartford has discounts for vehicle fuel type, driver training, bundle, good student, air bag, defensive driver, and anti-theft.
Before you buy a policy, ask every insurance company how many discounts you can get. Savings might not be available to policyholders in Riverside. If you would like to view car insurance companies that offer many of these discounts in Riverside, click this link.
Situations that may require an agent’s advice
Always keep in mind that when comparing insurance from an agent or online, there really is no “best” method to buy coverage. Coverage needs to be tailored to your specific needs so your insurance needs to address that.
For example, these questions may help you determine whether or not you could use an agent’s help.
- Do I benefit by insuring my home with the same company?
- Does my policy cover me if I wreck while driving under the influence?
- What is the difference between comprehensive and collision coverage?
- Am I covered if I hit my neighbor’s mailbox?
- What exactly is covered by my policy?
- Am I covered if I hit someone who is not insured?
- What can I do if my company denied a claim?
- What if I don’t agree with a claim settlement offer?
- Is there a penalty for late payment?
If you can’t answer these questions, you may need to chat with an agent. If you want to speak to an agent in your area, take a second and complete this form or click here for a list of car insurance companies in your area.
Insurance agent or online?
A lot of people just want to go talk to an agent and that is not a bad decision One of the great benefits of comparing rate quotes online is the fact that you can find the lowest rates but still work with a licensed agent. And providing support for neighborhood agents is important particularly in Riverside.
Once you complete this short form, your information is instantly submitted to local insurance agents that can give you free Riverside auto insurance quotes and help you find cheaper coverage. There is no need to leave your computer because prices are sent immediately to you. You can find better rates AND an agent nearby. If you need to compare rates from a specific insurance company, you would need to search and find their rate quote page to submit a rate quote request.
Pick the best car insurance agent in Riverside for you
If you’re trying to find a local Riverside insurance agent, you must know there are a couple types of agencies that you can select. Insurance agents are classified as either independent agents or exclusive agents.
Independent Insurance Agents (or Brokers)
Independent insurance agents do not sell for just one brand and that is an advantage because they can write policies with many different companies and possibly get better coverage at lower prices. If they find a cheaper price, they simply move your policy to a different company and you won’t have to switch agencies.
If you are trying to find cheaper rates, you should always include price quotes from at a minimum one independent agency to get the most accurate price comparison. A lot of them also have access to companies you’ve never heard of that many times have cheaper rates.
Shown below is a short list of independent agents in Riverside that may be able to give you competitive price quotes.
- Applied General Agency
1485 Spruce St – Riverside, CA 92507 – (951) 686-6120 – View Map - Adriana’s Insurance Services
6200 Van Buren Boulevard #105 – Riverside, CA 92503 – (951) 710-1100 – View Map - AIS | Auto Insurance Specialists | Riverside
1600 Iowa Ave #100 – Riverside, CA 92507 – (951) 782-8100 – View Map
Exclusive Insurance Agencies
These type of agents can only provide one company’s prices like Allstate, AAA, Farmers Insurance, and State Farm. These agents are unable to compare other company’s rates so you might not find the best rates. Exclusive agents are well schooled on their products and sales techniques which helps overcome the inability to quote other rates. Many people buy from exclusive agents primarily because of the brand name and strong financial ratings.
Below are exclusive agents in Riverside willing to provide comparison quotes.
- Farmers Insurance – Adrian Cisneros
7145 Magnolia Ave #100 – Riverside, CA 92504 – (951) 373-3773 – View Map - Josh Terraneau – State Farm Insurance Agent
5053 La Mart Dr #103 – Riverside, CA 92507 – (951) 784-4353 – View Map - Farmers Insurance: Edward Lavalle
19318 Jesse Ln Ste 200 – Riverside, CA 92508 – (951) 222-3038 – View Map
Selecting a insurance agency needs to be determined by more than just the quoted price. Any agent in Riverside should be willing to answer these questions.
- Are they involved in claim handling?
- How long have they worked with personal auto insurance coverage?
- Will the company cover a rental car if your car is getting fixed?
- Which company do they place the most coverage with?
- Is the agent CPCU or CIC certified?
- Do they specialize in personal lines auto insurance in Riverside?
- How are they compensated?
Best car insurance in Riverside
Buying coverage from the highest-rated car insurance provider is hard considering how many companies sell coverage in Riverside. The ranking data in the next section can help you select which insurers you want to consider comparing rates with.
Top 10 Riverside Car Insurance Companies Ranked by Customer Satisfaction
- Titan Insurance – 95%
- USAA – 94%
- AAA of Southern California – 92%
- AAA Insurance – 91%
- Nationwide – 90%
- State Farm – 90%
- The Hartford – 89%
- GEICO – 89%
- The General – 88%
- 21st Century – 88%
Top 10 Riverside Car Insurance Companies Ranked by Claims Service
- AAA of Southern California
- State Farm
- Esurance
- AAA Insurance
- Progressive
- Liberty Mutual
- GEICO
- Allstate
- Titan Insurance
- The Hartford
One last thing about your coverage
You just read many ideas to shop for Toyota Yaris insurance online. It’s most important to understand that the more providers you compare, the more likely it is that you will get a better rate. Consumers could even find that the lowest auto insurance rates are with the least-expected company. These companies may often insure only within specific states and give better rates than the large multi-state companies such as State Farm and Allstate.
When buying insurance coverage, it’s not a good idea to buy poor coverage just to save money. In too many instances, drivers have reduced liability limits or collision coverage and found out when filing a claim they didn’t purchase enough coverage. Your aim should be to buy a smart amount of coverage at the lowest possible cost but still have enough coverage for asset protection.
More detailed car insurance information can be found in the articles below:
- Air Bags: Potential Dangers to Your Children (Insurance Information Institute)
- Who Has Cheap Riverside Auto Insurance Rates for a GMC Acadia? (FAQ)
- What Insurance is Cheapest for Lyft Drivers in Riverside? (FAQ)
- Who Has Affordable Car Insurance Quotes for Nurses in Riverside? (FAQ)
- Coverage Information (Progressive Insurance)
- Choosing an Insurance Company (Insurance Information Institute)