Compare Toyota Sienna Insurance Rate Quotes in New Orleans

Insurance quote for Toyota Sienna in New OrleansSaving money on Toyota Sienna insurance in New Orleans is frustrating for drivers who are new to buying insurance online. Drivers have so many agents and companies to choose from that it can be a real hassle to find the best prices.

Regrettably, over 70% of Louisiana drivers have remained with the same auto insurance company for at least the last four years, and almost half have never compared rate quotes at all. With the average auto insurance premium being $1,847, U.S. drivers could save themselves up to 46.5% a year just by getting comparison quotes, but they don’t want to spend time to compare rates and save money.

Consumers need to get comparison quotes yearly because insurance rates are adjusted regularly by insurance companies. Despite the fact that you may have had the best premium rates on Toyota Sienna insurance in New Orleans a few years ago you may be paying too much now. There are a lot of ways to save on Sienna insurance on the internet, but in a few minutes you can learn the easiest ways to reduce your auto insurance bill.

When looking for low cost New Orleans auto insurance quotes, there are a couple ways to get quotes from many different Louisiana insurance companies. The best way to find the cheapest insurance rates consists of shopping online. Just remember that getting more free quotes helps increase your odds of locating more affordable insurance.

The companies in the list below can provide price comparisons in New Orleans, LA. If multiple companies are listed, we suggest you visit several of them to get a more complete price comparison.

Why car insurance is not optional

Despite the high cost, maintaining insurance may be required for several reasons.

The benefits of having car insurance more than cancel out the cost, particularly if you ever have a claim. On average, a vehicle owner in New Orleans is overpaying more than $820 a year so you should quote your policy with other companies once a year at a minimum to help ensure money is not being wasted.

Insurance data for a Toyota Sienna

The coverage table displayed next highlights a range of insurance prices for Toyota Sienna models. Learning how insurance prices are determined can help you make smart choices when comparing insurance rates.

Toyota Sienna Insurance Rates in New Orleans, LA
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Sienna CE $218 $478 $524 $32 $158 $1,410 $118
Sienna LE $250 $478 $524 $32 $158 $1,442 $120
Sienna LE AWD $250 $478 $524 $32 $158 $1,442 $120
Sienna XLE $250 $478 $524 $32 $158 $1,442 $120
Sienna XLE AWD $250 $564 $524 $32 $158 $1,528 $127
Sienna Limited $284 $564 $524 $32 $158 $1,562 $130
Sienna Limited AWD $284 $564 $524 $32 $158 $1,562 $130
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Data rating is based on single female driver age 50, no speeding tickets, no at-fault accidents, $500 deductibles, and Louisiana minimum liability limits. Discounts applied include safe-driver, homeowner, multi-policy, claim-free, and multi-vehicle. Premium costs do not factor in specific location which can raise or lower price quotes substantially.

Policy deductibles

A question often asked by New Orleans drivers is at what level do you set your deductibles. The following insurance rates may help to conceptualize the rate difference when you choose different insurance deductibles. The first rate table uses a $100 comprehensive and collision deductible and the second price chart uses a $1,000 deductible.

Toyota Sienna insurance premium rates with $100 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Sienna CE $348 $722 $464 $28 $140 $1,727 $144
Sienna LE $400 $722 $464 $28 $140 $1,779 $148
Sienna LE AWD $400 $722 $464 $28 $140 $1,779 $148
Sienna XLE $400 $722 $464 $28 $140 $1,779 $148
Sienna XLE AWD $400 $850 $464 $28 $140 $1,907 $159
Sienna Limited $452 $850 $464 $28 $140 $1,959 $163
Sienna Limited AWD $452 $850 $464 $28 $140 $1,959 $163
Get Your Own Custom Quote Go

Toyota Sienna insurance premium rates with $1,000 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Sienna CE $194 $380 $464 $28 $140 $1,206 $101
Sienna LE $222 $380 $464 $28 $140 $1,234 $103
Sienna LE AWD $222 $380 $464 $28 $140 $1,234 $103
Sienna XLE $222 $380 $464 $28 $140 $1,234 $103
Sienna XLE AWD $222 $448 $464 $28 $140 $1,302 $109
Sienna Limited $250 $448 $464 $28 $140 $1,330 $111
Sienna Limited AWD $250 $448 $464 $28 $140 $1,330 $111
Get Your Own Custom Quote Go

Prices based on married male driver age 30, no speeding tickets, no at-fault accidents, and Louisiana minimum liability limits. Discounts applied include multi-policy, claim-free, safe-driver, homeowner, and multi-vehicle. Rate information does not factor in the specific area where the vehicle is garaged which can affect auto insurance rates greatly.

We can derive from the above data that using a $100 deductible costs an average of $47 more each month or $564 for a full year than requesting the higher $1,000 deductible. Since you would have to pay $900 more if you file a claim with a $1,000 deductible as compared to a $100 deductible, if you have at a minimum 19 months between claims, you would most likely save money if you choose a higher deductible.

Cost of full coverage in New Orleans

The diagram below shows the difference between Toyota Sienna premium costs with and without physical damage coverage, medical payments, and uninsured/under-insured motorist coverage. The premiums are based on no driving violations, no at-fault accidents, $100 deductibles, drivers are single, and no discounts are applied.

Deciding between full coverage and liability only

There is no clear-cut formula to stop buying full coverage, but there is a guideline you can use. If the yearly cost of comp and collision coverage is more than 10% of the settlement you would receive from your company, then it might be time to buy liability only.

For example, let’s pretend your Toyota Sienna replacement value is $7,000 and you have $1,000 policy deductibles. If your vehicle is totaled in an accident, you would only receive $6,000 after paying your deductible. If you are paying in excess of $600 a year for physical damage coverage, then it’s probably a good time to buy liability coverage only.

There are some cases where dropping full coverage is not advised. If you still owe a portion of the original loan, you have to keep full coverage as part of the loan conditions. Also, if your savings is not enough to buy a different vehicle if your current one is in an accident, you should not eliminate full coverage.

Affordable rates on Toyota Sienna insurance in New Orleans with these auto insurance discounts

Companies offering auto insurance do not advertise every discount in a way that’s easy to find, so the list below details both the well known and also the more inconspicuous credits that you can use to lower your rates.Discount auto insurance

Drivers should understand that most discount credits are not given to the whole policy. Most only apply to the cost of specific coverages such as collision or personal injury protection. So even though it sounds like it’s possible to get free car insurance, auto insurance companies aren’t that generous.

The example below illustrates the difference between Toyota Sienna insurance costs with and without discounts applied to the rates. The data is based on a female driver, a clean driving record, no at-fault accidents, Louisiana state minimum liability limits, full physical damage coverage, and $250 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with multi-policy, claim-free, multi-car, marriage, homeowner, and safe-driver discounts applied.

A list of companies and some of the discounts can be found below.

Before you buy a policy, ask each company or agent to give you their best rates. All car insurance discounts may not be available in your state. To locate insurers who offer cheap Toyota Sienna insurance quotes in Louisiana, click here to view.

Local neighborhood insurance agents

Some people still prefer to sit down with an agent and doing so can bring peace of mind A good thing about price shopping on the web is the fact that drivers can get lower rates and still buy from a local agent.

New Orleans insurance agentsAfter completing this short form, the quote information is transmitted to agents in your area that provide free New Orleans auto insurance quotes for your insurance coverage. You won’t need to leave your computer because prices are sent directly to you. You can find the lowest rates and a licensed agent to work with. If you need to get a price quote from a specific auto insurance provider, just find their quoting web page and submit a quote form there.

Deciding on an company needs to be determined by more than just a cheap price quote. Any good agent in New Orleans should know the answers to these questions.

If you would like to find a reputable agency, you should know the types of agencies and how they work. Auto insurance agents in New Orleans are either independent or exclusive.

Exclusive Auto Insurance Agencies

Exclusive agencies can only place business with one company and some examples include Farmers Insurance, Allstate, or State Farm. They generally cannot give you multiple price quotes so always compare other rates. Exclusive agents are usually quite knowledgeable on the products they sell which helps them compete with independent agents. Consumers often buy from exclusive agents primarily because of the brand name and the convenience of having all coverages with one company.

The following is a list of exclusive insurance agents in New Orleans that are able to give price quotes.

More New Orleans agents

Independent Agents

Independent agents do not write with just one company so they can insure your vehicles through many companies and find the cheapest auto insurance rates. If your agent finds better pricing, they can switch companies in-house without you having to go to a different agency.

When comparing auto insurance rates, you will want to get some free quotes from a couple of independent agencies to ensure the widest selection of prices. Most also write with small regional insurance companies which may have better rates.

Shown below is a list of independent insurance agents in New Orleans that are able to give comparison quotes.

More New Orleans agents

When do I need an agent’s advice?

When it comes to choosing adequate coverage, there really isn’t a “best” method to buy coverage. Your situation is unique.Drive safe and save

Here are some questions about coverages that can help discover if your insurance needs may require specific advice.

If you can’t answer these questions but you know they apply to you, you may need to chat with a licensed insurance agent. To find lower rates from a local agent, fill out this quick form.

Ratings for Louisiana car insurance companies

Ending up with the right company is hard considering how many companies provide coverage in New Orleans. The company rank data below can help you analyze which car insurance providers to look at shopping prices with.

Top 10 New Orleans Car Insurance Companies Ranked by Customer Satisfaction

  1. USAA – 91%
  2. AAA Insurance – 90%
  3. Esurance – 90%
  4. Mercury Insurance – 89%
  5. Nationwide – 89%
  6. Travelers – 88%
  7. Progressive – 88%
  8. Safeco Insurance – 88%
  9. State Farm – 88%
  10. Allstate – 88%

Don’t give up on cheap premiums

As you go through the steps to switch your coverage, it’s not a good idea to buy poor coverage just to save money. Too many times, consumers will sacrifice comprehensive coverage or liability limits only to regret at claim time that the few dollars in savings costed them thousands. The ultimate goal is to get the best coverage possible for the lowest cost, but don’t skip important coverages to save money.

Drivers change insurance companies for many reasons like policy non-renewal, high prices, policy cancellation and extreme rates for teen drivers. Regardless of your reason for switching companies, switching auto insurance companies is actually quite simple.

Budget-friendly auto insurance in New Orleans can be found online and also from your neighborhood New Orleans agents, so you should compare both to have the best selection. Some insurance providers may not have the ability to get a quote online and usually these smaller companies work with independent agents.

Steps to finding cheaper rates for Toyota Sienna insurance in New Orleans

If saving the most money is your goal, then the best way to find more affordable Toyota Sienna insurance in New Orleans is to regularly compare prices from different companies who sell insurance in Louisiana. Price quotes can be compared by completing these steps.

  1. Learn about auto insurance and the modifications you can make to prevent high rates. Many policy risk factors that result in higher prices such as traffic citations and a less-than-favorable credit score can be remedied by making minor changes in your lifestyle.
  2. Compare price quotes from exclusive agents, independent agents, and direct providers. Direct and exclusive agents can only provide price estimates from a single company like Progressive and State Farm, while independent agencies can provide price quotes for many different companies.
  3. Compare the new quotes to your existing policy to see if a cheaper rate is available in New Orleans. If you can save money and change companies, ensure coverage does not lapse between policies.

A tip to remember is to make sure you’re comparing the same liability limits and deductibles on every price quote and and to get price estimates from as many companies as possible. This helps ensure an apples-to-apples comparison and a complete rate analysis.

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