Save Money on Toyota Yaris Insurance in Riverside

Insurance rates Toyota Yaris in RiversideIt 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.

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.

Toyota Yaris Insurance Rates in Riverside, CA
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
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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.

Toyota Yaris insurance prices with $250 deductibles
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
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Toyota Yaris insurance prices with $500 deductibles
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
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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.

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.

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.Discount car insurance

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:

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.Car insurance savings
For example, these questions may help you determine whether or not you could use an agent’s help.

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.

Find insurance agent in RiversideOnce 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.

More Riverside agents

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.

More Riverside agents

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.

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

  1. Titan Insurance – 95%
  2. USAA – 94%
  3. AAA of Southern California – 92%
  4. AAA Insurance – 91%
  5. Nationwide – 90%
  6. State Farm – 90%
  7. The Hartford – 89%
  8. GEICO – 89%
  9. The General – 88%
  10. 21st Century – 88%

Top 10 Riverside Car Insurance Companies Ranked by Claims Service

  1. AAA of Southern California
  2. State Farm
  3. Esurance
  4. AAA Insurance
  5. Progressive
  6. Liberty Mutual
  7. GEICO
  8. Allstate
  9. Titan Insurance
  10. 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: