Would you like to stop overpaying and find cheaper auto insurance rates in Los Angeles, CA? Los Angeles drivers have a choice when trying to find the lowest priced Toyota Sienna insurance. You can either waste hours calling around to compare prices or use the internet to find the lowest rates. There is a right way and a wrong way to buy auto insurance and you need to know the proper way to get price quotes for your Toyota and find the cheapest rates.
It’s a great practice to do rate comparisons occasionally because prices are usually higher with each renewal. Even if you got the best rates on Toyota Sienna insurance in Los Angeles a few years ago there is a good chance you can find better premium rates now. Forget anything you know (or think you know) about auto insurance because you’re about to find out the things you must know in order to lower your rates without sacrificing coverage.
Lowering your insurance rates is actually quite simple. All that’s required is to take a couple of minutes to compare rates from online providers.
The car insurance companies shown below offer quotes in Los Angeles, CA. If multiple companies are shown, it’s a good idea that you visit several of them in order to get a fair rate comparison.
Coverage information
The rate table displayed next covers a range of insurance costs for Toyota Sienna models. Having a better idea how auto insurance policy rates are figured can benefit drivers when making smart choices when comparing insurance rates.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Sienna CE | $242 | $464 | $442 | $26 | $132 | $1,306 | $109 |
| Sienna LE | $278 | $464 | $442 | $26 | $132 | $1,342 | $112 |
| Sienna LE AWD | $278 | $464 | $442 | $26 | $132 | $1,342 | $112 |
| Sienna XLE | $278 | $464 | $442 | $26 | $132 | $1,342 | $112 |
| Sienna XLE AWD | $278 | $546 | $442 | $26 | $132 | $1,424 | $119 |
| Sienna Limited | $314 | $546 | $442 | $26 | $132 | $1,460 | $122 |
| Sienna Limited AWD | $314 | $546 | $442 | $26 | $132 | $1,460 | $122 |
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Premium data assumes married male driver age 30, no speeding tickets, no at-fault accidents, $500 deductibles, and California minimum liability limits. Discounts applied include safe-driver, multi-vehicle, multi-policy, homeowner, and claim-free. Prices do not factor in the specific area where the vehicle is garaged which can modify coverage rates greatly.
Difference between liability only and full coverage rates
The illustration below illustrates the comparison of Toyota Sienna auto insurance rates when comparing full coverage to state minimum liability only. The rates are based on no claims or driving citations, $250 deductibles, single status, and no discounts are applied.
When to buy liability coverage only
There isn’t a written rule for dropping physical damage coverage on your policy, but there is a general guideline you can use. If the annual cost of having full coverage is 10% or more of the replacement cost of your vehicle minus the policy deductible, then it may be the right time to buy liability only.
For example, let’s pretend your Toyota Sienna book value is $4,000 and you have $1,000 deductibles. If your vehicle is severely damaged, the most you would get paid by your company is $3,000 after you pay the deductible. If it’s costing you more than $300 annually for your policy with full coverage, then it could be time to drop full coverage.
There are some scenarios where buying only liability insurance is not a good idea. If you still have a lienholder on your title, 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 in an accident, you should keep full coverage in place.
When do I need an agent’s advice?
When it comes to coverage for your personal vehicles, there isn’t really a one-size-fits-all type of policy. Everyone’s situation is unique and your car insurance should be unique as well.
These are some specific questions could help you determine whether your personal situation might need professional guidance.
- What are the liability requirements in my state?
- Do I have coverage for damage caused while driving under the influence?
- Should I buy full coverage?
- Do I have any recourse if my insurance company denies a claim?
- Does having multiple vehicles earn me a discount?
- When does my teenage driver need to be added to my policy?
- Is borrowed equipment or tools covered if stolen or damaged?
If it’s difficult to answer those questions but you know they apply to you, then you may want to think about talking to an insurance agent. If you don’t have a local agent, take a second and complete this form or go to this page to view a list of companies. It only takes a few minutes and may give you better protection.
Local insurance agents
Some people still prefer to have an agent’s advice and that is OK! Licensed agents are very good at helping people manage risk and will help you if you have claims. An additional benefit of price shopping on the web is that drivers can save money and get cheap car insurance quotes and also buy local.
By using this form (opens in new window), your coverage information is submitted to participating agents in Los Angeles who will return price quotes for your car insurance coverage. You won’t need to contact an agency as quotes are delivered to your email. If for some reason you want to get a comparison quote from a specific car insurance provider, just visit that company’s website and complete a quote there.
Deciding on an company should depend on more than just a cheap quote. The following questions are important to ask.
- Are aftermarket or OEM parts used to repair vehicles?
- Are there any discounts that you might be missing?
- Is coverage determined by price?
- Do they have any clout with companies to ensure a fair claim settlement?
- Who is covered by the car insurance policy?
Pick the best car insurance agent in Los Angeles for you
If you want to buy car insurance from a good Los Angeles insurance agent, you need to know there are two types of agencies and how they are slightly different. Car insurance agents in Los Angeles are considered either independent (non-exclusive) or exclusive. Both insure your vehicles properly, but we need to point out the difference in how they write coverage because it may have an impact on buying decisions.
Exclusive Insurance Agencies
Agents of this type work for only one company like Allstate, Farmers Insurance, State Farm, and AAA. They are unable to provide prices from multiple companies so keep that in mind. Exclusive insurance agents are very knowledgeable on their company’s products which helps offset the inability to provide other markets. A lot of people buy from exclusive agents partially due to the prominence of the brand rather than having low rates.
Below are exclusive agents in Los Angeles willing to provide price quotes.
- Carmel Stevens – State Farm Insurance Agent
4918 W Slauson Ave – Los Angeles, CA 90056 – (323) 292-7930 – View Map - Diane Sinner – State Farm Insurance Agent
6535 Wilshire Blvd #117 – Los Angeles, CA 90048 – (323) 651-4775 – View Map - Stephan Buckley – State Farm Insurance Agent
4340 Leimert Blvd #201 – Los Angeles, CA 90008 – (323) 298-9022 – View Map
Independent Agents
Independent insurance agents can sell policies from many different companies so they can write business through many companies and get the cheapest rates. To move your coverage to a new company, your policy is moved internally which is easy for the insured. When comparing rates, we highly recommend that you contact at a minimum one independent agency to ensure the widest selection of prices. Many write coverage with lesser-known insurance companies which could offer lower prices.
Shown below are Los Angeles independent agents who can help you get price quotes.
- Fuller Insurance
621 S Westmoreland Ave – Los Angeles, CA 90005 – (213) 384-2062 – View Map - JSB Insurance Services, Inc.
1801 S La Cienega Blvd Ste 201 – Los Angeles, CA 90035 – (310) 402-0020 – View Map - Shomer Insurance Agency
4221 Wilshire Blvd #222 – Los Angeles, CA 90010 – (323) 934-8160 – View Map
If you get acceptable answers for all questions you ask and locked in a price quote, you may have found a car insurance agent that can be relied on to properly service your car insurance policy.