Car Insurance Quotes for a Toyota Corolla

The average annual premium for a Toyota Corolla is $531 for minimum coverage and $1,695 for full coverage. The amount you will pay for car insurance depends on many factors, such as how much you purchase, where you live, your age and your driving history. All states but two require at least a minimum, which typically includes liability.

Depending on where you live, you can probably choose between the minimum your state requires and full coverage – or any number of other amounts and options.

An independent Freeway agent can help you find cheap car insurance.

Full Coverage

This type of policy includes first-party benefits such as collision and comprehensive. It’s more expensive than the minimum, but it also offers better peace of mind. Deductibles can be as low as $100 and as high as $2000, depending on the carrier. The higher your deductible, the lower your premium.

You can add additional items, such as personal injury protection (PIP), which pays for your medical bills, although some states require this protection. With PIP, you do not have to wait for another driver’s insurance company to cover medical damages while carriers battle out who is responsible.

Other helpful additions include roadside assistance (optional) and uninsured motorist coverage (UIM), although this may be required in your state.

If you can afford it, you should opt for this over state minimum liability thanks to its substantially greater protection. You may also be required to have it by your lender or lease company, which could demand better protection to protect “their” vehicle’s value over the length of your term.

State Minimum Liability

State minimum liability is the amount required by your state. Liability amounts vary depending on the state. For example, all Louisiana drivers must carry liability limits of $15,000 for bodily injury (per person), $30,000 for bodily injury (per accident), and $25,000 for property damage.

In turn, drivers in Texas must carry liability limits of $30,000 for bodily injury (per person), $60,000 for bodily injury (per accident), and $25,000 for property damage.

Some states, such as Kansas, require UIM and PIP, in addition to liability.

If you opt for the state minimum, you can choose additional protection, such as rental vehicle reimbursement and roadside assistance.

DUI convictions and insurance rates do not go hand in hand. Expect your rates to double or triple after a DUI conviction, depending on the severity of the offense, the date of your most recent DUI conviction, and your driving record.

How much more you’d pay after a DUI conviction depends on many things, including the normal factors such as age and claims history, but more importantly, the egregiousness of your DUI. Your auto insurer may even cancel your policy outright, especially with two or more DUI convictions within a short period.

Fortunately, there are ways drivers with DUI convictions can save, including raising deductibles, lowering liability limits, enrolling in defensive driving courses, and bundling two or more policies with the same insurer are all fair game. Comparing quotes for cheap DUI insurance is a good move. However, you should not expect the same rates as people with a clean driving record.

There are many ways you can maximize your savings with car insurance discounts.

One of the best discounts you can get is a good driver. To qualify, you must have a clean driving record free of claims and moving violations for the past three to five years. Some insurers award this discount closer to the 3-year mark, while others prefer it closer to the 5-year mark. Other discounts include: