To save the most money, the best way to find the cheapest price for Toyota Yaris insurance in Oakland is to compare prices regularly from providers in California. You can compare rates by following these steps.
First, take a little time to learn about what is in your policy and the measures you can take to prevent expensive coverage. Many rating factors that result in higher prices like at-fault accidents and bad credit can be eliminated by making small lifestyle or driving habit changes.
Second, compare price quotes from independent agents, exclusive agents, and direct companies. Direct and exclusive agents can only give rate quotes from one company like GEICO or State Farm, while independent agencies can provide prices for a wide range of companies.
Third, compare the price quotes to your current policy to see if cheaper Yaris coverage is available in Oakland. If you can save money and switch companies, ensure coverage does not lapse between policies.
Fourth, tell your current agent or company to cancel your current auto insurance policy and submit a down payment along with a signed application for your new coverage. When you receive it, put the new proof of insurance paperwork above your visor, in the console, or in the glove compartment.
The most important part of shopping around is to make sure you enter similar coverage information on each price quote and and to analyze as many car insurance companies as possible. This provides the most accurate price comparison and a better comparison of the market.
It’s an obvious statement that insurance companies want to keep you from shopping around. Consumers who compare other rates are likely to move their business because of the high probability of finding more affordable rates. A study discovered that drivers who compared prices regularly saved approximately $72 a month compared to drivers who never shopped around.
If saving money on car insurance is the reason you’re here, then having a good understanding how to shop for coverage rates can make it simple to find affordable coverage.
Cheap Toyota insurance prices in Oakland
The companies in the list below can provide free rate quotes in Oakland, CA. To buy cheap car insurance in California, it’s highly recommended you click on several of them in order to get a fair rate comparison.
Statistics and details
The table shown next covers detailed analysis of insurance coverage prices for Toyota Yaris models. Having knowledge of how insurance quotes are determined can help drivers make decisions on which insurance to purchase.
|Model||Comp||Collision||Liability||Medical||UM/UIM||Annual Premium||Monthly Premium|
|Yaris 2-Dr Hatchback||$276||$464||$654||$38||$196||$1,628||$136|
|Yaris 4-Dr Hatchback||$276||$464||$578||$34||$174||$1,526||$127|
|Yaris 4-Dr Sedan||$276||$464||$578||$34||$174||$1,526||$127|
|Yaris S 2-Dr Hatchback||$316||$464||$654||$38||$196||$1,668||$139|
|Yaris S 4-Dr Hatchback||$316||$464||$578||$34||$174||$1,566||$131|
|Yaris S 4-Dr Sedan||$316||$464||$578||$34||$174||$1,566||$131|
|Get Your Own Custom Quote Go|
Data based on single male driver age 30, no speeding tickets, no at-fault accidents, $500 deductibles, and California minimum liability limits. Discounts applied include multi-vehicle, safe-driver, multi-policy, homeowner, and claim-free. Prices do not factor in your specific Oakland location which can alter prices noticeably.
The diagram below demonstrates how deductibles and can impact Toyota Yaris premium costs for each age group. The costs are based on a single male driver, comprehensive and collision coverage, and no discounts are taken into consideration.
Tickets and at-fault accidents raise rates
The information below shows how traffic citations and accident claims increase Toyota Yaris auto insurance rates for each different age group. The costs are based on a married female driver, comprehensive and collision coverage, $1,000 deductibles, and no other discounts are factored in.
Age-based auto insurance rates by gender
The illustration below illustrates the comparison of Toyota Yaris insurance costs for male and female drivers. Data assumes a clean driving record, no at-fault accidents, comprehensive and collision coverage, $100 deductibles, single status, and no discounts are applied.
Liability only or full coverage
The information below visualizes the comparison of Toyota Yaris car insurance costs with and without physical damage coverage, medical payments, and uninsured/under-insured motorist coverage. Data assumes no driving violations, no at-fault accidents, $100 deductibles, drivers are not married, and no discounts are applied.
When to drop comprehensive and collision
There isn’t a steadfast formula to stop buying comp and collision coverage, but there is a general convention. If the yearly cost of full coverage is about 10% or more of the vehicle’s replacement cost less your deductible, then you might consider buying liability only.
For example, let’s pretend your Toyota Yaris book value is $8,000 and you have $1,000 deductibles. If your vehicle is totaled in an accident, the most your company would pay you is $7,000 after paying the physical damage deductible. If premium cost is more than $700 annually for physical damage coverage, then you might consider buying liability only.
There are a few situations where eliminating full coverage is not recommended. If you haven’t paid off your loan, you have to carry full coverage in order to prevent your loan from defaulting. Also, if your savings is not enough to buy a different vehicle in the event your current vehicle is totaled, you should not buy liability only.
Save with these nine discounts
Auto insurance is easily one of your largest bills, but there may be some discounts to help offset the cost. Some discounts will apply when you get a quote, but less common discounts must be requested specifically in order for you to get them.
- Seat Belts Save more than Lives – Drivers who require all occupants to buckle up before driving could save 15% off the PIP or medical payment premium.
- Anti-lock Brakes – Anti-lock brake equipped vehicles can stop better under adverse conditions and the ABS can save up to 10%.
- Discount for Life Insurance – Not every insurance company offers life insurance, but if they do you may earn better rates if you take out a life policy as well.
- Good Grades Discount – This discount can get you a discount of up to 25%. Earning this discount can benefit you well after school through age 25.
- Drivers Education – Cut your cost by having your teen driver enroll in driver’s education if it’s offered in school.
- Oakland Homeowners Pay Less – Owning your own home or condo can save you money because owning a home requires a higher level of personal finance.
- Discounts for Multiple Vehicles – Buying a policy with multiple cars or trucks on a single policy can get a discount for every vehicle.
- Professional Organizations – Joining specific professional or occupational memberships or organizations could earn you a nice discount when getting a Oakland car insurance quote.
- Resident Student – Kids who are enrolled in higher education away from home and don’t have a car may qualify for this discount.
We need to note that most credits do not apply to the whole policy. Some only apply to specific coverage prices like comprehensive or collision. So even though you would think you could get a free auto insurance policy, you won’t be that lucky.
The example below illustrates the difference between Toyota Yaris car insurance rates with and without discounts being applied to the rates. The data assumes a male driver, no claims, a clean driving record, California state minimum liability limits, full coverage, and $100 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with homeowner, marriage, safe-driver, multi-car, multi-policy, and claim-free discounts applied.
Auto insurance companies that may offer these benefits are:
When getting free Oakland car insurance quotes, it’s a good idea to each company or agent to apply every possible discount. Depending on the company, some discounts might not be offered in your state.
Do I need special coverages?
When it comes to choosing the best insurance coverage, there really is no cookie cutter policy. You are unique so your insurance should reflect that For example, these questions can help discover if your situation would benefit from professional advice.
- How can I get the company to pay a claim?
- How long can I keep a teen driver on my policy?
- Can I make deliveries for my home business?
- I have a DUI can I still get coverage?
- Do I need PIP coverage since I have good health insurance?
- Should I rate my Toyota Yaris as pleasure use or commute?
- What is medical payments coverage?
If you can’t answer these questions but you think they might apply to your situation, you might consider talking to a licensed agent. If you want to speak to an agent in your area, simply complete this short form or you can also visit this page to select a carrier
Local neighborhood agents and car insurance
Many drivers would rather go talk to an agent and that can be a great decision The best thing about getting free rate quotes online is you can get lower rates and still choose a local agent. Buying insurance from neighborhood agents is important especially in Oakland.
To find an agent, once you fill out this form (opens in new window), the quote information is submitted to agents in your area that can give you free Oakland car insurance quotes to get your business. You won’t need to drive around since rate quotes are delivered immediately to you. It’s the lowest rates without requiring a lot of work. If you want to get a comparison quote from one company in particular, just navigate to their website and fill out the quote form the provide.
When finding a local Oakland insurance agent, it’s helpful to know the different types of agencies that differ in how they can insure your vehicles. Oakland agents can be categorized as either independent or exclusive.
Independent Insurance Agents
Agents that choose to be independent do not sell for just one brand and that enables them to quote your coverage with an assortment of companies and find you cheaper rates. To transfer your coverage to a different company, they simply move your policy to a different company without you having to go to a different agency. When shopping rates, you will definitely want to include a couple of independent agencies in order to have the best price comparison. They often place coverage with lesser-known insurance companies who may have lower rates.
Listed below is a small list of independent agents in Oakland who can help you get free car insurance rate quotes.
- On My Way Insurance
320 10th St – Oakland, CA 94607 – (510) 893-3298 – View Map
- Fred Loya Insurance
1620 High St STE B – Oakland, CA 94601 – (510) 434-1801 – View Map
- All Purpose Insurance Agency
5857 MacArthur Blvd – Oakland, CA 94605 – (510) 382-1900 – View Map
These agents can only quote rates from one company such as Allstate, AAA, Farmers Insurance, and State Farm. Exclusive agents cannot provide other company’s prices so always compare other rates. These agents are well trained on their company’s products which aids in selling service over price. A lot of people buy from the same agent for years mostly because of loyalty to the company and the convenience of having all coverages with one company.
Below is a list of exclusive agents in Oakland who can help you get comparison quotes.
- State Farm: Grantland Bailey
2115 MacArthur Blvd – Oakland, CA 94602 – (510) 482-7700 – View Map
- Farmers Insurance – Pamela Spikes
3410 Lakeshore Ave #204 – Oakland, CA 94610 – (510) 832-1005 – View Map
- Judy Chambers – State Farm Insurance Agent
1305 Franklin St #400 – Oakland, CA 94612 – (510) 832-2195 – View Map
Selecting an insurance agency should include more criteria than just a cheap price quote. Before buying a policy in Oakland, get answers to these questions.
- Are you getting all the discounts the company offers?
- How is replacement cost determined on your vehicle?
- Will the agent help in case of a claim?
- Will high miles depreciate repair valuations?
- Which company do they place the most coverage with?
- Are claim adjusters local or do you have to take your car somewhere else?
Specific coverages for a Toyota Yaris
Learning about specific coverages of a car insurance policy can help you determine the right coverages and the correct deductibles and limits. Policy terminology can be impossible to understand and coverage can change by endorsement. Listed below are the usual coverages found on the average car insurance policy.
Comprehensive auto coverage
This coverage covers damage caused by mother nature, theft, vandalism and other events. You need to pay your deductible first and the remainder of the damage will be paid by comprehensive coverage.
Comprehensive insurance covers claims like a broken windshield, a tree branch falling on your vehicle, vandalism and damage from getting keyed. The maximum payout you can receive from a comprehensive claim is the market value of your vehicle, so if the vehicle is not worth much consider removing comprehensive coverage.
This will cover damage that occurs to other people or property. It protects you against other people’s claims. It does not cover your injuries or vehicle damage.
Coverage consists of three different limits, bodily injury per person, bodily injury per accident and property damage. As an example, you may have liability limits of 15/30/5 which means $15,000 bodily injury coverage, $30,000 for the entire accident, and property damage coverage for $5,000. Another option is one number which is a combined single limit which limits claims to one amount and claims can be made without the split limit restrictions.
Liability coverage pays for things such as legal defense fees, funeral expenses and structural damage. How much liability should you purchase? That is up to you, but it’s cheap coverage so purchase as much as you can afford. California state law requires minimum liability limits of 15/30/5 but it’s recommended drivers buy more liability than the minimum.
The chart below demonstrates why buying minimum limits may not be high enough to adequately cover claims.
UM/UIM (Uninsured/Underinsured Motorist) coverage
Uninsured or Underinsured Motorist coverage protects you and your vehicle’s occupants from other drivers when they do not carry enough liability coverage. Covered claims include injuries sustained by your vehicle’s occupants as well as your vehicle’s damage.
Since a lot of drivers carry very low liability coverage limits (California limits are 15/30/5), it doesn’t take a major accident to exceed their coverage limits. For this reason, having high UM/UIM coverages should not be overlooked. Frequently these coverages are identical to your policy’s liability coverage.
This pays for damage to your Yaris resulting from colliding with an object or car. You have to pay a deductible then the remaining damage will be paid by your insurance company.
Collision coverage protects against things like scraping a guard rail, crashing into a ditch, driving through your garage door, damaging your car on a curb and crashing into a building. Paying for collision coverage can be pricey, so analyze the benefit of dropping coverage from vehicles that are 8 years or older. You can also raise the deductible on your Yaris in order to get cheaper collision rates.
Medical payments and PIP coverage
Coverage for medical payments and/or PIP reimburse you for expenses for pain medications, nursing services and surgery. The coverages can be utilized in addition to your health insurance policy or if you lack health insurance entirely. It covers not only the driver but also the vehicle occupants in addition to if you are hit as a while walking down the street. PIP is not available in all states and may carry a deductible
Some insurance companies do not offer internet price quotes and usually these small, regional companies work with local independent agents. More affordable car insurance in Oakland is possible from both online companies and also from your neighborhood Oakland agents, and you should compare price quotes from both to have the best selection.
When you buy Oakland car insurance online, it’s very important that you do not reduce coverage to reduce premium. In many instances, drivers have reduced collision coverage only to discover later they didn’t purchase enough coverage. The ultimate goal is to buy enough coverage for the lowest price, but don’t skip important coverages to save money.
For more information, link through to the following helpful articles:
- What are my Rights when Filing a Claim? (Insurance Information Institute)
- Who Has Affordable Oakland Car Insurance for a Toyota Corolla? (FAQ)
- How Much is Car Insurance for 16 Year Olds in Oakland? (FAQ)
- Pickups fall short in headlight tests (Insurance Institute for Highway Safety)
- Understanding your Policy (NAIC.org)
- Older Driver Statistics (Insurance Information Institute)
- Air Bags: Potential Dangers to Your Children (Insurance Information Institute)