Are you doing reasearch to find the cheapest Toyota Yaris insurance in Seattle? Feel like you have an expensive insurance policy? Trust us, there are many Seattle drivers thinking the same thing.
Unbelievable but true according to a study most insurance buyers have stayed with the same insurance company for at least the last four years, and roughly 40% of drivers have never compared insurance rates at all. The average driver in Washington could save an average of almost 40% each year just by getting comparison quotes, but they mistakenly think it’s difficult to compare rate quotes. Insurance companies such as Allstate, Progressive and GEICO persitently shower you with fancy advertisements and it is difficult to see past the geckos and flying pigs and find the best price available.
It’s a good habit to compare rates as often as possible because insurance prices are variable and change quite frequently. If you had the lowest quotes on Toyota Yaris insurance in Seattle a couple years back other companies may now be cheaper. Ignore everything you know about insurance because I’m going to let you in on the secrets to the proper way to eliminate unnecessary coverages and save money on Toyota Yaris insurance in Seattle.
If you’re already insured or just want to save money, use these tips to buy cheaper auto insurance without having to cut coverage. Choosing the most cost-effective auto insurance policy in Seattle is actually very simple if you learn how to start. Smart shoppers only need to know the most effective way to compare price quotes on the web.
Seattle insurance discounts
Companies don’t list all their discounts in an easy-to-find place, so the list below contains both the well known and also the more inconspicuous discounts that you may qualify for.
- Early Switch Discount – Some larger companies reward drivers for switching companies before your current coverage expires. This discount can save up to 10%.
- Discount for Passive Restraints – Vehicles equipped with air bags or automatic seat belts may qualify for discounts of 20 to 30 percent.
- Discounts for Responsible Drivers – Drivers who don’t get into accidents may receive a discount up to 45% than their less cautious counterparts.
- Anti-theft System – Cars and trucks that have factory anti-theft systems are stolen less frequently and that can save you a little bit as well.
- Discounts for Multiple Vehicles – Insuring all your vehicles on a single policy can reduce the rates for all insured vehicles.
- Home Ownership Discount – Just being a homeowner can save you money because owning a home is proof of financial responsibility.
Drivers should understand that some credits don’t apply to the entire policy premium. Most only apply to specific coverage prices like liability, collision or medical payments. If you do the math and it seems like it’s possible to get free car insurance, it’s just not the way it works.
Companies and some of the premium reductions they offer are shown below.
- State Farm has savings for Steer Clear safe driver discount, safe vehicle, Drive Safe & Save, anti-theft, accident-free, driver’s education, and good student.
- Esurance includes discounts for defensive driver, renters, paid-in-full, online shopper, and Pac-12 alumni.
- Progressive may offer discounts for good student, homeowner, online signing, multi-vehicle, multi-policy, continuous coverage, and online quote discount.
- Liberty Mutual discounts include safety features, preferred payment discount, exclusive group savings, new vehicle discount, and new graduate.
- Auto-Owners Insurance may include discounts for safe driver, teen driver, paid in full, anti-theft, air bags, and good student.
- GEICO offers discounts including multi-vehicle, emergency military deployment, good student, anti-theft, five-year accident-free, driver training, and anti-lock brakes.
When quoting, ask every insurance company which discounts you qualify for. Discounts may not be offered in your state.
Reducing your insurance rates is not rocket science. The only thing you need to do is take the time to compare rate quotes from some recommended companies.
Online shopping is fast and free, and it takes the place of having to waste gas driving to local Seattle insurance agencies. Comparing Toyota Yaris insurance rates online eliminates this option unless your situation requires the professional guidance that you can only get from talking to an agent. It is possible with some companies get the lowest quotes online but have a local agent actually write the policy.
The providers in the list below have been selected to offer price comparisons in Washington. If multiple providers are shown, we recommend you visit several of them to get the best price comparison.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Yaris 2-Dr Hatchback | $252 | $458 | $436 | $26 | $130 | $1,302 | $109 |
| Yaris 4-Dr Hatchback | $96 | $206 | $282 | $16 | $84 | $684 | $57 |
| Yaris 4-Dr Sedan | $170 | $376 | $310 | $18 | $92 | $966 | $81 |
| Yaris S 2-Dr Hatchback | $122 | $236 | $376 | $22 | $112 | $868 | $72 |
| Yaris S 4-Dr Hatchback | $128 | $222 | $304 | $18 | $90 | $762 | $64 |
| Yaris S 4-Dr Sedan | $186 | $310 | $294 | $18 | $88 | $896 | $75 |
| Get Your Own Custom Quote Go | |||||||
Premium data assumes married male driver age 30, no speeding tickets, no at-fault accidents, $500 deductibles, and Washington minimum liability limits. Discounts applied include claim-free, multi-policy, safe-driver, multi-vehicle, and homeowner. Rates do not factor in specific garaging location which can revise prices significantly.
Physical damage deductibles
The example below highlights how deductible choice and can influence Toyota Yaris insurance premiums for different age groups of insureds. The rate quotes are based on a single male driver, full coverage, and no discounts are factored in.
Car insurance rates by gender and age
The illustration below shows the comparison of Toyota Yaris auto insurance costs for male and female drivers. The price estimates are based on no claims or violations, comp and collision included, $500 deductibles, drivers are single, and no discounts are factored in.
Auto insurance is available from your local insurance agencies
Many drivers would rather buy from a licensed agent and that is just fine! Good agents can help you choose the best coverages and will help you if you have claims. One of the best bonuses of comparing auto insurance online is you can get cheap auto insurance quotes but also keep your business local. Buying from and supporting local insurance agents is especially important in Seattle.
By using this form (opens in new window), the coverage information is instantly submitted to local insurance agents in Seattle who will give competitive quotes for your business. There is no reason to find an agent on your own because prices are sent immediately to your email address. If you wish to get a rate quote from one company in particular, you can always jump over to their website to submit a rate quote request.
Finding the right company shouldn’t rely on just the price. The following questions are important to ask.
- How would your car be valued if totalled?
- Does the agent recommend any additional coverage?
- Do they have cheaper tiers of coverage?
- Is the agency active in community causes in Seattle?
- Do they assist clients in filing claims?
- Is their price quote a firm figure or are their hidden costs?
- By raising physical damage deductibles, how much would you save?
Insurance policy coverages for a Toyota Yaris
Learning about specific coverages of insurance can help you determine the best coverages and proper limits and deductibles. The terms used in a policy can be difficult to understand and coverage can change by endorsement. These are the normal coverages found on most insurance policies.
UM/UIM (Uninsured/Underinsured Motorist) coverage – Uninsured or Underinsured Motorist coverage protects you and your vehicle when the “other guys” either are underinsured or have no liability coverage at all. Covered claims include hospital bills for your injuries as well as your vehicle’s damage.
Because many people have only the minimum liability required by law (25/50/10 in Washington), their liability coverage can quickly be exhausted. So UM/UIM coverage is very important. Normally the UM/UIM limits are identical to your policy’s liability coverage.
Auto liability insurance – Liability insurance will cover injuries or damage you cause to a person or their property that is your fault. It protects you from legal claims by others, and doesn’t cover damage to your own property or vehicle.
Split limit liability has three limits of coverage: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. Your policy might show policy limits of 25/50/10 that translate to $25,000 bodily injury coverage, a total of $50,000 of bodily injury coverage per accident, and a total limit of $10,000 for damage to vehicles and property. Some companies may use one limit called combined single limit (CSL) which combines the three limits into one amount rather than limiting it on a per person basis.
Liability coverage protects against claims such as legal defense fees, repair bills for other people’s vehicles, emergency aid and pain and suffering. How much liability should you purchase? That is up to you, but consider buying as much as you can afford. Washington requires minimum liability limits of 25/50/10 but you should consider buying more coverage.
Comprehensive auto coverage – Comprehensive insurance coverage will pay to fix damage caused by mother nature, theft, vandalism and other events. You first have to pay a deductible and then insurance will cover the rest of the damage.
Comprehensive can pay for claims like hitting a deer, rock chips in glass, falling objects, hitting a bird and theft. The most your insurance company will pay is the ACV or actual cash value, so if your deductible is as high as the vehicle’s value consider dropping full coverage.
Medical payments and PIP coverage – Personal Injury Protection (PIP) and medical payments coverage provide coverage for short-term medical expenses for doctor visits, chiropractic care, rehabilitation expenses, X-ray expenses and ambulance fees. They are often used in conjunction with a health insurance policy or if you are not covered by health insurance. They cover not only the driver but also the vehicle occupants as well as being hit by a car walking across the street. PIP is not an option in every state but it provides additional coverages not offered by medical payments coverage
Collision coverages – Collision insurance will pay to fix damage to your Yaris from colliding with an object or car. A deductible applies then your collision coverage will kick in.
Collision can pay for claims like sustaining damage from a pot hole, damaging your car on a curb, hitting a parking meter, scraping a guard rail and rolling your car. Paying for collision coverage can be pricey, so analyze the benefit of dropping coverage from vehicles that are older. It’s also possible to increase the deductible on your Yaris to get cheaper collision coverage.
Car insurance savings summarized
When buying insurance coverage, it’s a bad idea to reduce needed coverages to save money. There are many occasions where an insured dropped uninsured motorist or liability limits only to find out that saving that couple of dollars actually costed them tens of thousands. Your goal is to purchase a proper amount of coverage at the best price.
Cheaper Toyota Yaris insurance in Seattle can be sourced on the web and from local agencies, so you need to quote Seattle auto insurance with both to have the best chance of lowering rates. Some insurance companies may not have online rate quotes and these regional insurance providers work with independent agencies.
Other resources
- Vehicle Size and Weight FAQ (iihs.org)
- What Insurance is Cheapest for Government Employees in Seattle? (FAQ)
- Who Has Affordable Auto Insurance Rates for Business Use in Seattle? (FAQ)
- What are my Rights when Filing a Claim? (Insurance Information Institute)
- Crash Avoidance Technologies FAQ (iihs.org)