Saving 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 majority of states have mandatory insurance requirements which means the state requires a specific minimum amount of liability protection in order to be legal. In Louisiana these limits are 15/30/25 which means you must have $15,000 of bodily injury coverage per person, $30,000 of bodily injury coverage per accident, and $25,000 of property damage coverage.
- If you bought your Sienna with a loan, more than likely the lender will require you to have comprehensive coverage to ensure the loan is repaid in case of a total loss. If you default on your policy, the lender may insure your Toyota at a significantly higher premium and force you to pay much more than you were paying before.
- Car insurance preserves your Toyota Sienna and your assets. It also can pay for many types of medical costs for you, any passengers, and anyone injured in an accident. One of the most valuable coverages, liability insurance, also pays expenses related to your legal defense if you cause an accident and are sued. If your Toyota gets damaged, comprehensive and collision coverage will pay to have it repaired.
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.
| 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 |
| Get Your Own Custom Quote Go | |||||||
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.
| 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 | |||||||
| 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.
- Use Seat Belts – Using a seat belt and requiring all passengers to buckle their seat belts could save 15% off the personal injury premium cost.
- Defensive Driver – Taking a course in defensive driving can save you 5% or more and easily recoup the cost of the course.
- Multi-car Discount – Having multiple cars or trucks with one company can reduce rates for all insured vehicles.
- Accident-Free Discounts – Insureds with no claims or accidents have much lower rates as compared to accident-prone drivers.
- Passive Restraint Discount – Factory options such as air bags and/or automatic seat belt systems could see savings of more than 20%.
- Buy New and Save – Buying a new car model is cheaper due to better safety requirements for newer vehicles.
- Accident Forgiveness – This one is not really a discount per se, but companies like Progressive and Allstate allow you one accident before they charge you more for coverage if you are claim-free for a certain period of time.
- Data Collection Discounts – Drivers who elect to allow their auto insurance company to track where and when they drive by using a small device installed in their vehicle like In-Drive from State Farm and Progressive’s Snapshot might get better premium rates if they show good driving skills.
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.
- State Farm has savings for safe vehicle, driver’s education, good driver, accident-free, and anti-theft.
- GEICO offers discounts for air bags, multi-vehicle, multi-policy, seat belt use, anti-lock brakes, and federal employee.
- Progressive may offer discounts for homeowner, continuous coverage, online signing, multi-vehicle, and multi-policy.
- 21st Century policyholders can earn discounts including early bird, anti-lock brakes, student driver, homeowners, and theft prevention.
- American Family includes discounts for Steer into Savings, good driver, bundled insurance, good student, and early bird.
- The Hartford discounts include driver training, bundle, vehicle fuel type, air bag, and good student.
- AAA offers premium reductions for education and occupation, anti-theft, multi-car, multi-policy, and good driver.
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.
After 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.
- Do they receive special compensation for putting your coverage with one company over another?
- Is the agent CPCU or CIC certified?
- Which companies can they place coverage with?
- Is vehicle mileage a factor when determining depreciation for repairs?
- What insurance company do they write the most business with?
- Do they offer accident forgiveness?
- Will you work with the agent or an assistant?
- Can they provide you with a list of referrals?
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.
- Allstate Insurance: Daniel Occhi
4006 Canal St – New Orleans, LA 70119 – (504) 517-9080 – View Map - Randy Bordlee – State Farm Insurance Agent
4650 General De Gaulle Dr #102 – New Orleans, LA 70131 – (504) 392-9300 – View Map - Allstate Insurance: Rene Manfre
13040 I- 10 Service Rd – New Orleans, LA 70128 – (504) 218-1586 – View Map
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.
- KTS Insurance Agency
3239 Bienville St – New Orleans, LA 70119 – (504) 371-5519 – View Map - Bob Swanson Insurance
824 Elmwood Park Blvd #295 – New Orleans, LA 70123 – (504) 734-0305 – View Map - Daul Insurance
94 Westbank Expressway Trail – Gretna, LA 70053 – (504) 362-0667 – View Map
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.
Here are some questions about coverages that can help discover if your insurance needs may require specific advice.
- Am I covered when driving a rental car?
- Should I buy more coverage than the required Louisiana minimum liability coverage?
- Am I covered by my spouse’s policy after a separation?
- Is my teen driver covered when they drive my company car?
- What is the rate difference between pleasure use and commuting?
- What is the premium to book value ratio for dropping full coverage?
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
- USAA – 91%
- AAA Insurance – 90%
- Esurance – 90%
- Mercury Insurance – 89%
- Nationwide – 89%
- Travelers – 88%
- Progressive – 88%
- Safeco Insurance – 88%
- State Farm – 88%
- 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.
- 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.
- 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.
- 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.
Helpful learning opportunities
- Liability Insurance Coverage (Nationwide)
- How Much is Auto Insurance for Infrequent Drivers in New Orleans? (FAQ)
- Who Has Affordable Car Insurance for a Ford Fusion in New Orleans? (FAQ)
- Booster Seat Ratings (iihs.org)
- Frontal Crash Tests (iihs.org)
- Steps to Take After an Auto Accident (Insurance Information Institute)
- Prepare your Teens for Safe Driving (InsureUonline.org)