Affordable Toyota Sienna Insurance in Riverside

Remarkably, a study showed that nearly 70% of customers have been with the same company for at least four years, and approximately 40% of consumers have never even compared rates from other companies. Drivers in Riverside could save almost 35% a year by just comparing rate quotes, but they won’t spend time to shop around.

Insurance quote for Toyota Sienna in RiversideThe best way to find better pricing on Toyota Sienna insurance in Riverside is to compare prices annually from insurers who provide auto insurance in California. Drivers can shop around by following these steps.

One key aspect when comparing rates is to use identical coverage information on every quote request and and to get price estimates from as many car insurance companies as possible. This ensures an apples-to-apples comparison and a better comparison of the market.

If you currently have a car insurance policy, you will surely be able to shop for the lowest rates using this information. Finding the cheapest insurance coverage in Riverside is not rocket science. But California consumers must learn the way insurance companies determine what you pay and use this information to your advantage.

Companies offering Toyota Sienna insurance in Riverside

The providers in the list below can provide free rate quotes in Riverside, CA. If multiple companies are listed, it’s a good idea that you get rates from several of them to find the lowest car insurance rates.

Auto insurance data for a Toyota Sienna

The premium table displayed next covers a range of policy rates for Toyota Sienna models. Having a better understanding of how car insurance premiums are figured is important for making smart choices when purchasing an auto insurance policy.

Toyota Sienna Insurance Rates in Riverside, CA
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Sienna CE $268 $570 $596 $36 $178 $1,648 $137
Sienna LE $308 $570 $596 $36 $178 $1,688 $141
Sienna LE AWD $308 $570 $596 $36 $178 $1,688 $141
Sienna XLE $308 $570 $596 $36 $178 $1,688 $141
Sienna XLE AWD $308 $672 $596 $36 $178 $1,790 $149
Sienna Limited $348 $672 $596 $36 $178 $1,830 $153
Sienna Limited AWD $348 $672 $596 $36 $178 $1,830 $153
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Data assumes single female driver age 30, no speeding tickets, no at-fault accidents, $500 deductibles, and California minimum liability limits. Discounts applied include claim-free, multi-vehicle, multi-policy, homeowner, and safe-driver. Premium costs do not factor in specific zip code location which can increase or decrease auto insurance rates significantly.

Auto insurance deductibles

The hardest decision when buying coverage is how low should you set your deductibles. The tables below may aid in understanding the rate fluctuation when you choose different policy deductibles. The first rate table uses a $250 deductible for comp and collision and the second price chart uses a $1,000 deductible.

Toyota Sienna insurance with $250 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Sienna CE $298 $576 $442 $26 $132 $1,499 $125
Sienna LE $342 $576 $442 $26 $132 $1,543 $129
Sienna LE AWD $342 $576 $442 $26 $132 $1,543 $129
Sienna XLE $342 $576 $442 $26 $132 $1,543 $129
Sienna XLE AWD $342 $678 $442 $26 $132 $1,645 $137
Sienna Limited $386 $678 $442 $26 $132 $1,689 $141
Sienna Limited AWD $386 $678 $442 $26 $132 $1,689 $141
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Toyota Sienna insurance with $1,000 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Sienna CE $184 $362 $442 $26 $132 $1,146 $96
Sienna LE $210 $362 $442 $26 $132 $1,172 $98
Sienna LE AWD $210 $362 $442 $26 $132 $1,172 $98
Sienna XLE $210 $362 $442 $26 $132 $1,172 $98
Sienna XLE AWD $210 $426 $442 $26 $132 $1,236 $103
Sienna Limited $238 $426 $442 $26 $132 $1,264 $105
Sienna Limited AWD $238 $426 $442 $26 $132 $1,264 $105
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Table data represents married male driver age 30, no speeding tickets, no at-fault accidents, and California minimum liability limits. Discounts applied include homeowner, claim-free, multi-vehicle, multi-policy, and safe-driver. Prices do not factor in specific location information which can influence premiums greatly.

Using the data above, we can ascertain that using a $250 deductible could cost the average driver approximately $33 more each month or $396 for a full year across all Toyota Sienna models than quoting the higher $1,000 deductible. Due to the fact that you would have to pay $750 more out-of-pocket with a $1,000 deductible as compared to a $250 deductible, if you tend to have more than 23 months between claims, you would more than likely save some money if you decide on a higher deductible.

The chart below demonstrates how deductibles and can affect Toyota Sienna insurance costs for different categories of driver ages. The premiums assume a single male driver, comprehensive and collision coverage, and no other discounts are factored in.

How accidents and tickets impact rates in Riverside

The diagram below illustrates how violations and accident claims can influence Toyota Sienna premium costs for different age groups of insureds. The rate quotes are based on a married female driver, full physical damage coverage, $1,000 deductibles, and no discounts are applied to the premium.

Rate difference between full and liability-only coverage

The information below visualizes the comparison of Toyota Sienna insurance prices with full physical damage coverage compared to only buying the minimum liability limits required in California. The rates are based on no claims or driving citations, $250 deductibles, single marital status, and no discounts are factored in.

Guidelines for dropping full coverage

There isn’t a written rule of when to exclude physical damage coverage, but there is a guideline you can use. If the yearly cost of comp and collision coverage is more than around 10% of replacement cost minus your deductible, then it could be time to drop full coverage.

For example, let’s assume your Toyota Sienna replacement cost is $7,000 and you have $1,000 policy deductibles. If your vehicle is totaled, the most your company will settle for is $6,000 after paying the physical damage deductible. If you are paying more than $600 a year for comprehensive and collision coverage, then you might want to consider buying only liability coverage.

There are some situations where removing full coverage is not advised. If you have an outstanding loan on your vehicle, you have to carry full coverage as part of the loan requirements. Also, if your finances do not allow you to purchase a different vehicle if your current one is damaged, you should keep full coverage in place.

Cheap Riverside auto insurance rates with discounts

Companies offering auto insurance don’t always list every discount very well, so here is a list a few of the more well known and the harder-to-find discounts you could be receiving when you buy Riverside car insurance online.

Consumers should know that most discount credits are not given to all coverage premiums. Most only reduce individual premiums such as comp or med pay. If you do the math and it seems like all the discounts add up to a free policy, company stockholders wouldn’t be very happy.

The illustration below visualizes the comparison of Toyota Sienna insurance costs with and without discounts applied. The premiums are based on a female driver, no claims or violations, California state minimum liability limits, comprehensive and collision coverage, and $250 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with marriage, claim-free, multi-policy, multi-car, homeowner, and safe-driver discounts applied.

Companies that may offer these money-saving discounts are:

If you are trying to find low cost Riverside car insurance quotes, ask each insurance company the best way to save money. Depending on the company, some discounts may not apply in your state.

Exclusive or independent insurance agencies

Many drivers just want to have an agent’s advice and that is a personal choice. One of the benefits of comparing auto insurance online is the fact that you can find the lowest rates but still work with a licensed agent.

Find insurance agent in RiversideTo make it easy to find an agent, after completing this quick form, your information is instantly submitted to local insurance agents in Riverside that provide free Riverside car insurance quotes for your insurance coverage. There is no need to search for an agent as quotes are delivered directly to your email. It’s the lowest rates and a licensed agent to work with. If you need to quote rates from a specific insurance company, you would need to visit that company’s website to submit a rate quote request.

Finding the right insurance company should include more criteria than just a cheap price. The questions below may impact your decision as well.

If you’re trying to find a reputable agency, there are a couple of types of agencies and how they can write your policy. Agents are either exclusive or independent agents depending on their company appointments.

Exclusive Auto Insurance Agencies

Agents that elect to be exclusive normally can only provide a single company’s rates and some examples include AAA, Allstate, and State Farm. These agents are unable to provide rate quotes from other companies so you might not find the best rates. They are trained well on their company’s products which helps them compete with independent agents.

Below are Riverside exclusive insurance agencies willing to provide rate quotes.

6710 Magnolia AveRiverside, CA 92506(951) 369-8850View Map

19318 Jesse Ln Ste 200Riverside, CA 92508(951) 222-3038View Map

6748 Brockton AveRiverside, CA 92506(888) 231-8822View Map

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Independent Agents (or Brokers)

Agents that elect to be independent often have affiliation with several companies so they can write business through many companies and get the cheapest rates. If they find a cheaper price, your agent can just switch to a different company and you don’t have to find a new agent. If you are comparing auto insurance prices, we recommend you get several quotes from independent agents to have the most options to choose from.

Below is a short list of independent agencies in Riverside who can help you get price quotes.

TNT Only 1 Insurance Agency
19510 Van Buren BoulevardRiverside, CA 92508(888) 610-8865View Map

4204 Riverwalk Pkwy #200Riverside, CA 92505(951) 801-2032View Map

1766 University Ave # 104Riverside, CA 92507(951) 682-1200View Map

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California car insurance companies

Buying coverage from a highly-rated auto insurance company can be rather challenging considering how many companies there are in California. The company rank data in the lists below can help you decide which companies you want to consider when comparing rates.

Top 10 Riverside Car Insurance Companies Overall

  1. USAA
  2. American Family
  3. AAA of Southern California
  4. State Farm
  5. The Hartford
  6. AAA Insurance
  7. GEICO
  8. The General
  9. Titan Insurance
  10. Progressive

Quote more to save more

You just read a lot of techniques to compare Toyota Sienna insurance rates in Riverside. The key concept to understand is the more price quotes you have, the more likely it is that you will get a better rate. Drivers may even discover the best rates are with a smaller regional carrier. They may have significantly lower car insurance rates on certain market segments than their larger competitors like State Farm and Allstate.

Some companies do not provide rates over the internet and usually these regional carriers provide coverage only through independent insurance agencies. Lower-priced insurance in Riverside is available both online and with local Riverside insurance agents, so you should compare both so you have a total pricing picture.

More information is available at the links below