Toyota Yaris Insurance Rate Quotes in Plano

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Insurance quote for Toyota Yaris in PlanoI can't think of a single person who looks forward to buying insurance, especially when they could lower their rates if they shopped around.

It goes without saying that auto insurance companies don't want you to look for cheaper rates. Consumers who shop around for the cheapest price will presumably switch insurance companies because of the good chance of finding better rates. A recent survey discovered that consumers who regularly compared rates saved over $72 a month compared to drivers who don't regularly compare prices.

If finding budget-friendly auto insurance in Plano is why you're reading this, then understanding how to find companies and compare insurance rates can save time and make the process easier.

Lots of car insurance companies contend for your hard-earned dollar, and because of this it can be hard to compare insurers and uncover the absolute cheapest price on Toyota Yaris insurance in Plano.

Consumers should take time to check insurance prices periodically because prices are constantly changing. Just because you found the best deal on Toyota Yaris insurance in Plano six months ago you will most likely find a better rate quote today. Block out anything you think you know about insurance because you're about to find out the best way to find great coverage at a great price.

When comparing insurance rates, know that comparing all the rates in your area gives you a better chance of getting more affordable rates.

The companies in the list below are ready to provide free rate quotes in Plano, TX. If you want to find the best auto insurance in Plano, TX, we suggest you visit two to three different companies to get the most affordable price.

Insurance data for a Toyota Yaris

The premium information below showcases detailed analysis of insurance prices for Toyota Yaris models. Understanding how car insurance prices are figured is important for drivers to make smart buying decisions.

Toyota Yaris Insurance Rates in Plano, TX
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Yaris 2-Dr Hatchback $202 $392 $440 $26 $132 $1,192 $99
Yaris 4-Dr Hatchback $202 $392 $388 $24 $116 $1,122 $94
Yaris 4-Dr Sedan $202 $392 $388 $24 $116 $1,122 $94
Yaris S 2-Dr Hatchback $232 $392 $440 $26 $132 $1,222 $102
Yaris S 4-Dr Hatchback $232 $392 $388 $24 $116 $1,152 $96
Yaris S 4-Dr Sedan $232 $392 $388 $24 $116 $1,152 $96
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Data rating is based on married female driver age 30, no speeding tickets, no at-fault accidents, $500 deductibles, and Texas minimum liability limits. Discounts applied include homeowner, safe-driver, multi-policy, claim-free, and multi-vehicle. Information does not factor in specific location information which can increase or decrease auto insurance rates considerably.

How high should deductibles be?

When buying insurance, a common question is what deductibles to buy. The comparisons below sum up the difference in cost between high and low deductibles. The first rate quote example uses a $250 deductible for comprehensive and collision coverage and the second price grid uses a $1,000 deductible.

Toyota Yaris insurance rates with $250 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Yaris 2-Dr Hatchback $256 $496 $430 $26 $128 $1,361 $113
Yaris 4-Dr Hatchback $256 $496 $382 $22 $114 $1,295 $108
Yaris 4-Dr Sedan $256 $496 $382 $22 $114 $1,295 $108
Yaris S 2-Dr Hatchback $294 $496 $430 $26 $128 $1,399 $117
Yaris S 4-Dr Hatchback $294 $496 $382 $22 $114 $1,333 $111
Yaris S 4-Dr Sedan $294 $496 $382 $22 $114 $1,333 $111
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Toyota Yaris insurance rates with $1,000 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Yaris 2-Dr Hatchback $158 $312 $430 $26 $128 $1,054 $88
Yaris 4-Dr Hatchback $158 $312 $382 $22 $114 $988 $82
Yaris 4-Dr Sedan $158 $312 $382 $22 $114 $988 $82
Yaris S 2-Dr Hatchback $182 $312 $430 $26 $128 $1,078 $90
Yaris S 4-Dr Hatchback $182 $312 $382 $22 $114 $1,012 $84
Yaris S 4-Dr Sedan $182 $312 $382 $22 $114 $1,012 $84
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Prices above based on married male driver age 30, no speeding tickets, no at-fault accidents, and Texas minimum liability limits. Discounts applied include multi-vehicle, multi-policy, claim-free, homeowner, and safe-driver. Rates do not factor in your specific Plano location which can raise or lower premium rates noticeably.

We can derive from the above data that using a $250 deductible will cost in the ballpark of $26 more each month or $312 each year than requesting the higher $1,000 deductible. Because you would pay $750 more if you turn in a claim with a $1,000 deductible as compared to a $250 deductible, if you usually have at least 29 months between claims, you would come out ahead if you elect the higher deductible.

The diagram below highlights how deductible choice and can increase or decrease Toyota Yaris insurance rates for different insured age categories. The costs are based on a married female driver, full coverage, and no discounts are applied to the premium.

How much more does full coverage cost in Plano?

The example below shows the comparison of Toyota Yaris insurance costs with full physical damage coverage and with liability coverage only. The information is based on no tickets, no at-fault accidents, $250 deductibles, single status, and no discounts are factored in.

Should you buy full coverage or liability only?

There is no definitive formula of when to eliminate comprehensive and collision coverage on your policy, but there is a guideline you can use. If the annual cost of having full coverage is more than about 10% of the replacement cost minus the deductible, then it's probably a good time to buy liability coverage only.

For example, let's assume your Toyota Yaris claim settlement value is $8,000 and you have $1,000 deductibles. If your vehicle is severely damaged, the most your company will settle for is $7,000 after paying the physical damage deductible. If premium cost is more than $700 a year for full coverage, then you might want to consider buying only liability coverage.

There are a few situations where only buying liability is not recommended. If you haven't satisfied your loan, you have to maintain full coverage as part of the loan conditions. Also, if your savings is not enough to buy a different vehicle in the even your car is totaled, you should not eliminate full coverage.

Get rate quotes but buy from a local Plano insurance agent

Some consumers prefer to sit down and talk to an agent and doing that can be a smart decision One of the benefits of comparing insurance prices online is you may find cheap rate quotes and still have an agent to talk to.

To make it easy to find an agent, after completing this quick form, your insurance coverage information is transmitted to participating agents in Plano who will give competitive quotes for your coverage. You don't have to leave your house as quotes are delivered instantly to you. It's the lowest rates and work with a local agent. If you have a need to get a price quote from one company in particular, don't hesitate to navigate to their website and fill out the quote form the provide.

Choosing a insurance company should depend on more than just the premium amount. Any good agent in Plano should know the answers to these questions.

  • Do the coverages you're quoting properly cover your vehicle?
  • How long has the business existed?
  • What company holds the largest book of business for them?
  • Where are claims handled?
  • What are the financial ratings for the companies they represent?

Car insurance agents in Plano come in two varieties

If you are wanting to purchase auto insurance from a local Plano insurance agent, it's helpful to know the different types of agents and how they are slightly different. Auto insurance agencies are either exclusive or independent agents depending on their company appointments.

Exclusive Insurance Agents

Exclusive insurance agents are contracted to one company such as Allstate, State Farm and Farmers Insurance. Exclusive agencies are unable to provide prices from multiple companies so if the price isn't competitive there isn't much they can do. Exclusive agents are usually well trained on the products they sell which helps them compete with independent agents.

Shown below are exclusive agencies in Plano that can give you comparison quotes.

2301 W Parker Rd #1 - Plano, TX 75023 - (972) 596-4809 - View Map

8000 Coit Rd #100 - Plano, TX 75025 - (972) 731-0350 - View Map

208 Coit Rd #600 - Plano, TX 75075 - (972) 312-9930 - View Map

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Independent Agents (or Brokers)

These agents are not employed by one company so they have the ability to put coverage with multiple insurance companies and get the cheapest rates. If you want to switch companies, your policy is moved internally and you stay with the same agent.

When comparison shopping, it's a good idea to get several quotes from at a minimum one independent agency for the best price selection.

The following are independent agents in Plano that are able to give price quotes.

800 E Central Pkwy Ste 200 - Plano, TX 75074 - (972) 422-9412 - View Map

5048 Tennyson Pkwy #250 - Plano, TX 75024 - (972) 801-9188 - View Map

4040 McDermott Rd #200 - Plano, TX 75024 - (972) 668-1000 - View Map

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