Cheap Toyota Sienna Insurance in Columbus

Insurance quote for Toyota Sienna in ColumbusIf you want to save money, the best way to get affordable Toyota Sienna insurance in Columbus is to start comparing prices yearly from insurance carriers in Ohio.

An important note is that you use the same deductibles and limits on each price quote and to quote with as many different companies as possible. This provides a fair rate comparison and the best price selection.

Sadly, over 70% of drivers have stayed with the same insurance company for a minimum of four years, and just under half have never quoted rates to find affordable coverage. Most drivers in Columbus can save approximately $700 each year, but they think it’s difficult to shop their coverage around.

All major auto insurance companies give prices for coverage on their websites. Getting online quotes for Toyota Sienna insurance in Columbus is easy for anyone as all you need to do is type in your personal and coverage information as requested by the quote form. After you submit the form their quoting system orders credit information and your driving record and generates a price. Using the web to get rates for Toyota Sienna insurance in Columbus makes it a lot easier to compare rates and it’s absolutely necessary to compare as many rates as possible in order to find the best possible rates on auto insurance.

If you want to get comparison pricing now, compare quotes from the companies shown below. If you currently have coverage, we recommend you duplicate the insurance coverages as close as possible to your current policy. Doing this guarantees you’re receiving rate comparison quotes based on the exact same insurance coverage.

The auto insurance companies shown below offer quotes in Ohio. If several companies are displayed, we suggest you get prices from several of them to get a more complete price comparison.

Get cheaper Toyota Sienna insurance in Columbus with discounts

Insurance can be prohibitively expensive, but discounts can save money and there are some available that you may not even know about. Many of these discounts will be applied automatically at the time you complete a quote, but some must be specifically requested before they will apply.Car insurance discounts

Consumers should know that most of the big mark downs will not be given to the overall cost of the policy. Most only apply to the price of certain insurance coverages like comprehensive or collision. So even though you would think adding up those discounts means a free policy, company stockholders wouldn’t be very happy. Any qualifying discounts will help lower the premium cost.

The illustration below shows the difference between Toyota Sienna insurance premiums with and without discounts being applied to the rates. The rate quotes are based on a female driver, no claims or violations, Ohio state minimum liability limits, full coverage, and $500 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with multi-policy, homeowner, multi-car, claim-free, safe-driver, and marriage discounts applied.

To see car insurance companies with significant discounts in Ohio, click this link.

Rates and other information

The information below showcases detailed analysis of insurance prices for Toyota Sienna models. Having a better idea how insurance prices are calculated can benefit drivers when making smart buying decisions.

Toyota Sienna Insurance Rates in Columbus, OH
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Sienna CE $124 $238 $226 $14 $68 $670 $56
Sienna LE $142 $238 $226 $14 $68 $688 $57
Sienna LE AWD $142 $238 $226 $14 $68 $688 $57
Sienna XLE $142 $238 $226 $14 $68 $688 $57
Sienna XLE AWD $142 $280 $226 $14 $68 $730 $61
Sienna Limited $160 $280 $226 $14 $68 $748 $62
Sienna Limited AWD $160 $280 $226 $14 $68 $748 $62
Get Your Own Custom Quote Go

Data assumes married male driver age 30, no speeding tickets, no at-fault accidents, $500 deductibles, and Ohio minimum liability limits. Discounts applied include multi-policy, safe-driver, homeowner, claim-free, and multi-vehicle. Rate quotes do not factor in vehicle location which can raise or lower price quotes substantially.

Full coverage rates compared to liability-only

The illustration below compares Toyota Sienna annual premium costs with full physical damage coverage compared to only buying liability only. The price estimates are based on a clean driving record, no claims, $250 deductibles, marital status is single, and no discounts are applied.

Are you wasting money paying for full coverage?

There is no clear-cut rule of when to eliminate physical damage coverage, but there is a guideline you can use. If the annual cost of having full coverage is more than around 10% of replacement cost minus your deductible, then you might want to consider buying only liability coverage.

For example, let’s pretend your Toyota Sienna settlement value is $7,000 and you have $1,000 policy deductibles. If your vehicle is totaled, the most you would receive is $6,000 after the policy deductible has been paid. If premiums are more than $600 a year to have full coverage, then it might be time to consider dropping full coverage.

There are some circumstances where eliminating full coverage is not a good idea. If you haven’t paid off your loan, you have to maintain full coverage as part of the loan requirements. Also, if your finances do not allow you to purchase a different vehicle in the event your current vehicle is totaled, you should not opt for liability only.

Compare rate quotes but buy from a local neighborhood Columbus car insurance agent

Some consumers would rather go talk to an agent and there is nothing wrong with that. The biggest benefit of comparing rates online is the fact that you can find the best rates and also buy local.

Find insurance agent in ColumbusTo help locate an agent, after submitting this simple form, the quote information is emailed to agents in your area that provide free Columbus auto insurance quotes for your car insurance coverage. There is no need to contact any insurance agencies as quotes are delivered directly to your email. You can find better rates without requiring a lot of work. If you have a need to get a comparison quote from a specific car insurance provider, you would need to find their quoting web page and give them your coverage information.

Picking the best insurer shouldn’t rely on just a cheap quote. Agents should be asked these questions:

The following are agents in Columbus that can give you price quote information for Toyota Sienna insurance in Columbus.

1246 N High StColumbus, OH 43201(614) 586-8701View Map

4930 Reed Rd Suite 100Columbus, OH 43220(614) 451-2232View Map

655 Metro Pl S Suite 330Dublin, OH 43017(614) 761-2825View Map

2844 Johnstown RdColumbus, OH 43219(614) 471-5557View Map

View more agents

Smart Buyers Can Lower Their Insurance Prices

Many different elements are considered when you get a price on insurance. Some of the criteria are obvious like your driving record, but other criteria are more obscure such as your marital status and annual miles driven.

When should you not file claims? – Companies in Ohio award the best rates to insureds who only file infrequent claims. If you file a lot of claims you can expect higher rates. Auto insurance is intended for more catastrophic claims.

Lower premiums with continuous insurance coverage – Driving without insurance coverage in place is against the law and as a result your rates will increase for letting your insurance coverage expire. And not only will your rates increase, getting caught without coverage might get you fines or a revoked license.

Prices impacted by your city – Being located in less populated areas can be a good thing when trying to find low car insurance rates. City drivers tend to have more aggressive driving styles and higher rates of accident claims. Fewer drivers on the road means fewer accidents in addition to lower liability claims.

Combine policies to earn discounts – The majority of companies will award lower prices to policyholders that buy multiple policies, otherwise known as a multi-policy discount. If you currently are using one company, consumers should still check prices from other companies to guarantee you are still saving the most.

Drivers with good credit save on insurance – An insured’s credit score can be a huge factor in determining what you pay. Therefore, if your credit leaves room for improvement, you may save money insuring your Toyota Sienna by repairing your credit. People that have excellent credit scores tend to be better drivers and file fewer claims as compared to drivers with lower credit scores.

Loss statistics for a Toyota Sienna – Companies analyze claim trends for every vehicle when setting rates for each model. Models that statistically have higher claim amounts or frequency will cost more for coverage.

The next table shows the collected loss data for Toyota Sienna vehicles. For each policy coverage type, the loss probability for all vehicles as a whole equals 100. Numbers shown that are under 100 suggest losses that are better than average, while values over 100 indicate a higher chance of having a claim or tendency to have larger claims.

Toyota Sienna Insurance Loss Statistics
Vehicle Make and Model Collision Property Damage Comp Personal Injury Medical Payment Bodily Injury
Toyota Sienna 2WD 99 88 99 94 98 85
Toyota Sienna 4WD 106 94 102 75 65 73

Statistics from for 2013-2015 Model Years

Here’s why auto insurance is not optional

Even though Columbus Sienna insurance rates can get expensive, paying for auto insurance is most likely required but also gives you several important benefits.

The benefits of buying auto insurance are definitely more than the cost, especially if you ever need it. Unknowingly, the average driver is overpaying over $869 every year so you should quote rates at every renewal to help ensure money is not being wasted.

Do the work, save more money

Lower-priced car insurance in Columbus can be bought from both online companies and from local agencies, and you need to price shop both to have the best rate selection. Some insurance companies don’t offer the ability to get quotes online and most of the time these smaller companies only sell through independent insurance agencies.

You just read a lot of tips how to save on Toyota Sienna insurance in Columbus. The key thing to remember is the more providers you compare, the better your chances of lowering your premium rates. Consumers could even find that the biggest savings come from a small local company. Regional companies can often provide lower premium rates in certain areas compared to the large companies like Progressive and GEICO.

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