Locating low-cost insurance for a Toyota Yaris in Georgia could be an all-consuming task, but you can use our car insurance buying tips and make it easy.
There is a better way to buy car insurance so you’re going to learn the quickest way to compare rates for your Toyota and obtain the lowest price from Atlanta insurance agents and online providers.
You should make it a habit to do price comparisons before your next renewal because prices are constantly changing. Despite the fact that you may have had the best rates on Toyota Yaris insurance in Atlanta at your last renewal there is a good chance you can find better rate quotes now. Forget all the misinformation about car insurance because you’re going to learn the quickest way to remove unneeded coverages and save money.
If you already have coverage or just want to save money, use these techniques to find better prices without having to cut coverage. Obtaining price quotes for the best car insurance coverage in Atlanta is not as hard as you may think. Drivers just need to know the fastest way to compare prices online from multiple companies.
Discounts can help save money on Toyota Yaris insurance in Atlanta
Not too many consumers would say car insurance is affordable, but there are discounts available that you may not even know about. Certain discounts will be triggered automatically when you quote, but a few need to be specially asked for prior to receiving the credit.
- Accident Forgiveness Coverage – Not a discount per se, but a few companies such as GEICO, Progressive, and Allstate permit an accident before your rates go up with the catch being you have to be claim-free prior to being involved in the accident.
- Senior Citizen Rates – Drivers over the age of 55 may receive lower premium rates.
- Discount for Good Grades – Performing well in school may save you up to 25%. Many companies even apply the discount to college students well after school through age 25.
- Passive Restraints and Air Bags – Vehicles equipped with air bags or automatic seat belts can receive discounts as much as 30%.
- Telematics Data – Policyholders that allow their insurance company to scrutinize when and where they use their vehicle by using a small device installed in their vehicle such as Drivewise from Allstate or Snapshot from Progressive may see discounts if they show good driving skills.
- Payment Method – By paying your entire bill at once rather than paying in monthly installments you can avoid the installment charge.
Discounts reduce rates, but you should keep in mind that many deductions do not apply to the overall cost of the policy. Some only apply to specific coverage prices like liability and collision coverage. So when the math indicates all the discounts add up to a free policy, insurance companies wouldn’t stay in business.
Companies and a selection of discounts are:
- Progressive policyholders can earn discounts including multi-vehicle, online signing, online quote discount, multi-policy, and continuous coverage.
- The Hartford has discounts for anti-theft, bundle, good student, driver training, defensive driver, and air bag.
- Mercury Insurance may include discounts for multi-policy, type of vehicle, professional/association, annual mileage, ease of repair, and location of vehicle.
- GEICO has savings for five-year accident-free, air bags, emergency military deployment, multi-vehicle, membership and employees, driver training, and anti-lock brakes.
- AAA may offer discounts for good driver, multi-policy, good student, anti-theft, and pay-in-full.
- State Farm offers discounts for good driver, multiple autos, driver’s education, multiple policy, accident-free, anti-theft, and defensive driving training.
If you are trying to find inexpensive Atlanta auto insurance quotes, ask each insurance company to give you their best rates. Some credits might not apply in your state. If you would like to choose from a list of car insurance companies who offer cheap Toyota Yaris insurance quotes in Georgia, follow this link.
The following companies are ready to provide comparison quotes in Atlanta, GA. If multiple providers are shown, it’s highly recommended you visit as many as you can to find the most competitive car insurance rates.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Yaris 2-Dr Hatchback | $290 | $704 | $538 | $32 | $162 | $1,726 | $144 |
| Yaris 4-Dr Hatchback | $238 | $508 | $532 | $32 | $158 | $1,468 | $122 |
| Yaris 4-Dr Sedan | $260 | $590 | $476 | $28 | $142 | $1,496 | $125 |
| Yaris S 2-Dr Hatchback | $298 | $590 | $538 | $32 | $162 | $1,620 | $135 |
| Yaris S 4-Dr Hatchback | $338 | $612 | $394 | $24 | $118 | $1,486 | $124 |
| Yaris S 4-Dr Sedan | $182 | $316 | $402 | $24 | $120 | $1,044 | $87 |
| Get Your Own Custom Quote Go | |||||||
Price data assumes married female driver age 30, no speeding tickets, no at-fault accidents, $1,000 deductibles, and Georgia minimum liability limits. Discounts applied include safe-driver, homeowner, multi-vehicle, multi-policy, and claim-free. Rates do not factor in specific Atlanta garaging location which can lower or raise prices substantially.
Physical damage deductibles: Should you raise them?
The hardest decision when buying coverage is which deductible level should you buy. The rates below determine how much more you’ll pay when you select higher and lower coverage deductibles. The first set of prices uses a $250 physical damage deductible and the second rate chart uses a $500 deductible.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Yaris 2-Dr Hatchback | $264 | $512 | $444 | $26 | $134 | $1,405 | $117 |
| Yaris 4-Dr Hatchback | $264 | $512 | $394 | $24 | $118 | $1,337 | $111 |
| Yaris 4-Dr Sedan | $264 | $512 | $394 | $24 | $118 | $1,337 | $111 |
| Yaris S 2-Dr Hatchback | $304 | $512 | $444 | $26 | $134 | $1,445 | $120 |
| Yaris S 4-Dr Hatchback | $304 | $512 | $394 | $24 | $118 | $1,377 | $115 |
| Yaris S 4-Dr Sedan | $304 | $512 | $394 | $24 | $118 | $1,377 | $115 |
| Get Your Own Custom Quote Go | |||||||
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Yaris 2-Dr Hatchback | $216 | $414 | $444 | $26 | $134 | $1,234 | $103 |
| Yaris 4-Dr Hatchback | $216 | $414 | $394 | $24 | $118 | $1,166 | $97 |
| Yaris 4-Dr Sedan | $216 | $414 | $394 | $24 | $118 | $1,166 | $97 |
| Yaris S 2-Dr Hatchback | $248 | $414 | $444 | $26 | $134 | $1,266 | $106 |
| Yaris S 4-Dr Hatchback | $248 | $414 | $394 | $24 | $118 | $1,198 | $100 |
| Yaris S 4-Dr Sedan | $248 | $414 | $394 | $24 | $118 | $1,198 | $100 |
| Get Your Own Custom Quote Go | |||||||
Data based on married male driver age 30, no speeding tickets, no at-fault accidents, and Georgia minimum liability limits. Discounts applied include multi-policy, homeowner, safe-driver, multi-vehicle, and claim-free. Rate quotes do not factor in garaging location in Atlanta which can raise or lower coverage prices significantly.
Using the data above, we can ascertain that using a $250 deductible costs approximately $14 more each month or $168 a year than choosing the higher $500 deductible. Due to the fact that you would have to pay $250 more to settle a claim with a $500 deductible as compared to a $250 deductible, if you tend to have more than 18 months between claim filings, you would save money going with the higher deductible.
Choices You Make Can Impact Your Insurance Prices
One of the most helpful ways to save on insurance is to to have a grasp of some of the things that help calculate your insurance rates. If you understand what positively or negatively impacts your premiums, this enables informed choices that will entitle you to big savings.
The factors shown below are a few of the things used by your company to calculate rates.
Your career may increase prices – Did you know your occupation can influence how much you pay for insurance? Jobs like military personnel, air traffic controllers, and dentists generally pay the highest average rates due to job stress and long work hours. On the other hand, careers such as farmers, students and the unemployed pay lower than average rates.
Your address can affect price – Being located in less populated areas has it’s advantages when trying to find low car insurance rates. Less people living in that area translates into fewer accidents and also fewer theft and vandalism claims. City drivers have more traffic problems and a longer drive to work. More time behind the wheel means higher likelihood of an accident.
Having a spouse reduces risk – Getting married helps lower the price on your policy. Having a significant other demonstrates that you tend to be more mature and statistics prove married drivers tend to file fewer claims.
Do you know your coverage deductibles? – Physical damage protection, also called ‘full coverage’, is used to repair damage to your Toyota. Some coverage claims are collision with another vehicle, hail damage, and windstorm damage. The deductibles you choose are the amount of money you are willing to pay if the claim is covered. The more money you’re willing to pay, the bigger discount you will receive.
Claims statistics for a Toyota Yaris – Insurers factor in historical loss data when they calculate premium rates for each model. Vehicles that tend to have higher number or severity of losses will have higher premium rates.
The next table illustrates the loss history for Toyota Yaris vehicles. For each insurance policy coverage type, the claim amount for all vehicles as a whole is represented as 100. Numbers that are below 100 mean the vehicle has better than average losses, while numbers above 100 indicate higher probability of having a loss or an increased likelihood of larger losses.
Insurance Loss Ratings for Toyota Yaris Vehicles
| Vehicle Make and Model | Collision | Property Damage | Comp | Personal Injury | Medical Payment | Bodily Injury |
|---|---|---|---|---|---|---|
| Toyota Yaris | 94 | 88 | 92 |
Empty fields indicate not enough data collected
Data Source: Insurance Institute for Highway Safety for 2013-2015 Model Years
You are unique and your insurance should be too
When it comes to choosing the best insurance coverage for your personal vehicles, there really is not a best way to insure your cars. Everyone’s situation is unique and your insurance should be unique as well. Here are some questions about coverages that can aid in determining if your insurance needs could use an agent’s help.
- What if an uninsured driver hits me?
- Will my Toyota Yaris be repaired with OEM or aftermarket parts?
- Do they offer discounts for home and auto coverage?
- Is there coverage for my trailer?
- Will I lose any money if I cancel my policy before it expires?
- Do I have coverage when pulling a U-Haul trailer?
- What should my uninsured motorist coverage limits be in Georgia?
If you’re not sure about those questions but you think they might apply to your situation, you may need to chat with a licensed insurance agent. If you don’t have a local agent, simply complete this short form or you can go here for a list of companies in your area. It only takes a few minutes and can help protect your family.
Exclusive versus independent insurance agents
A small number of people would rather sit down and talk to an agent and that is recommended in a lot of cases Most agents are highly skilled in risk management and help submit paperwork. One of the best bonuses of comparing rates online is that you can find cheaper prices and still buy from a local agent. And providing support for local agencies is especially important in Atlanta.
For easy comparison, once you complete this simple form, your information is emailed to insurance agents in Atlanta that can provide free Atlanta auto insurance quotes for your coverage. You won’t need to search for any insurance agencies as quotes are delivered instantly to you. If you wish to get a price quote from a specific insurance company, don’t hesitate to find their quoting web page and give them your coverage information.
If you want to use a reliable agent, it helps to know the two types of agencies and how they can service your needs differently. Insurance agencies in Atlanta are categorized either independent or exclusive. Either one can insure your vehicles properly, but it’s important to point out why they differ since it can affect the selection process.
Independent Auto Insurance Agencies
Agents in the independent channel often have many company appointments so as a result can place your coverage through many different auto insurance companies and find you the best rates. If you are not satisfied with one company, they can switch companies in-house and that require little work on your part.
If you need lower rates, you need to get quotes from several independent insurance agents to have the most options to choose from. They often place coverage with additional companies that you may not be familiar with which may have better rates.
Featured below is a short list of independent insurance agents in Atlanta that may be able to give comparison quotes.
- Mack Insurance Agency, Inc.
530 Joseph E Lowery Blvd SW A – Atlanta, GA 30310 – (470) 771-3398 – View Map - Georgia Insurance Brokerage
193 Auburn Ave NE – Atlanta, GA 30303 – (404) 525-1600 – View Map - Nationwide Insurance: Walter Wade Agency
4401 Northside Pkwy NW #311 – Atlanta, GA 30327 – (404) 550-3448 – View Map
Exclusive Auto Insurance Agents
These type of agents have only one company to place business with such as State Farm, Allstate and AAA. They are unable to provide rate quotes from other companies so they have no alternatives for high prices. They are well schooled in insurance sales and that allows them to sell at a higher price point. Drivers often buy from exclusive agents mainly due to loyalty to the company rather than low rates.
The following is a short list of exclusive agencies in Atlanta willing to provide comparison quotes.
- GEICO Insurance Agent
3680 Cascade Rd c – Atlanta, GA 30331 – (404) 472-9003 – View Map - Allstate Insurance: Douglas Hollis
2195 Fairburn Rd SW – Atlanta, GA 30331 – (404) 629-1510 – View Map - Trevor Nollner – State Farm Insurance Agent
881 Ponce De Leon Ave NE #17 – Atlanta, GA 30306 – (678) 515-8297 – View Map
Picking an insurance agent is decision based upon more than just the premium amount. The answers to these questions are important, too.
- How many years of experience in personal auto insurance do they have?
- If your car is in the repair shop, do you have coverage for a rental car?
- How much will you save each year by using a higher deductible?
- In the event of vehicle damage, can you pick the collision repair facility?
- When do they do policy reviews?
- Is the quote a firm price?
- Is the agent properly licensed in Georgia?
Once you have good answers to all your questions and a low price estimate, you may have just found an auto insurance agent that is a good match to properly insure your vehicles. Keep in mind policyholders can cancel your coverage at any point so never assume you’re contractually obligated to any specific company for the full term.
It may be expensive, but it’s not optional
Even though Atlanta Yaris insurance rates can get expensive, insurance is mandatory in Georgia but it also protects more than you think.
- Almost all states have minimum mandated liability insurance limits which means state laws require a minimum amount of liability insurance coverage in order to drive the car. In Georgia these limits are 25/50/25 which means you must have $25,000 of bodily injury coverage per person, $50,000 of bodily injury coverage per accident, and $25,000 of property damage coverage.
- If you have a loan on your Toyota Yaris, it’s most likely the lender will force you to buy full coverage to protect their interest in the vehicle. If the policy lapses, the lender will be forced to insure your Toyota at a much higher rate and require you to fork over for it.
- Car insurance preserves both your Toyota Yaris and your personal assets. It will also cover most medical and hospital costs that are the result of an accident. Liability insurance also pays expenses related to your legal defense in the event you are sued. If mother nature or an accident damages your car, comprehensive and collision coverage will pay to have it repaired.
The benefits of insuring your Yaris greatly outweigh the cost, particularly for liability claims. On average, a vehicle owner in Atlanta is currently overpaying as much as $850 per year so it’s important to compare rates at every renewal to be sure current rates are still competitive.
One last thing about your coverage
We’ve covered a lot of information how to shop for Toyota Yaris insurance online. The key concept to understand is the more providers you compare, the better your chances of lowering your rates. Consumers could even find that the most savings is with some of the lesser-known companies. They may only write in your state and offer lower rates than their larger competitors like Allstate or State Farm.
More affordable auto insurance in Atlanta can be found online and with local Atlanta insurance agents, and you should compare price quotes from both to have the best rate selection. There are still a few companies who may not offer online price quotes and most of the time these smaller providers sell through independent agencies.
For more information, link through to the following helpful articles:
- Five Steps to Filing an Auto Insurance Claim (Insurance Information Institute)
- Who Has Affordable Atlanta Auto Insurance for a Jeep Grand Cherokee? (FAQ)
- Who Has Affordable Auto Insurance Rates for Business Use in Atlanta? (FAQ)
- Honda warning system reduces insurance claims (Insurance Institute for Highway Safety)
- Auto Insurance 101 (About.com)
- Keeping Children Safe in Crashes Video (iihs.org)