Jeffrey Johnson is a legal writer with a focus on personal injury. He has worked on personal injury and sovereign immunity litigation in addition to experience in family, estate, and criminal law. He earned a J.D. from the University of Baltimore and has worked in legal offices and non-profits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman Univer...

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Benjamin Carr was a licensed insurance agent in Georgia and has two years’ experience in life, health, property and casualty coverage. He has worked with State Farm and other risk management firms. He is also a strategic writer and editor with a background in branding, marketing, and quality assurance. He has been in military newsrooms — literally on the frontline of journalism.

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Reviewed by Benji Carr
Former Licensed Life Insurance Agent Benji Carr

UPDATED: Oct 5, 2015

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Finding cheap car insurance is always challenging for drivers who are beginners to online rate comparisons. Consumers have so many agents and companies to choose from that it can easily turn into a real difficult job to find cheaper rates.

Insurance quotes and discounts

Car insurance companies don’t necessarily list every disount available very clearly, so the below list has some of the best known in addition to some of the lesser obvious discounts that may be available. If you are not receiving all the discounts possible, you are paying more than you should be.

  • Air Bags and Passive Restraints – Vehicles equipped with air bags or motorized seat belts could see savings of 20 to 30 percent.
  • Seat Belt Discounts – Buckling up and requiring all passengers to wear their seat belts can save 10% or more on the medical payments or PIP coverage costs.
  • Discount for New Cars – Buying a new car model can save you some money since newer vehicles are generally safer.
  • Defensive Driver Discount – Taking part in a course teaching defensive driving skills could earn you a small percentage discount and easily pay for the cost of the class.
  • Resident Student – Any of your kids who are enrolled in a college that is more than 100 miles from home and do not have access to a covered vehicle can be insured at a reduced rate.
  • Accident Forgiveness Coverage – This one isn’t a discount, but a few companies such as State Farm and Allstate allow you one accident before your rates go up with the catch being you have to be claim-free prior to being involved in the accident.
  • Military Deployment Discount – Having a deployed family member could be rewarded with lower insurance rates.
  • Pay Upfront and Save – By paying your policy upfront instead of making monthly payments you could save up to 5%.
  • Senior Citizen Discount – Drivers over the age of 55 can get lower premium rates for Supra insurance.

A little disclaimer on discounts, some of the credits will not apply to all coverage premiums. Some only reduce individual premiums such as comp or med pay. If you do the math and it seems like you would end up receiving a 100% discount, company stockholders wouldn’t be very happy.

If you would like to choose from a list of insurance companies who offer online insurance quotes, click this link.

Enter your zip code below to view companies that have cheap auto insurance rates.

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Free insurance coverage rate quotes

Shopping for lower insurance coverage rates can be a lot of work if you don’t understand the most efficient way. You can spend countless hours discussing policy coverages with agents in your area, or you could save time and use online quotes to get prices fast.

Many of the larger companies participate in an industry program where insurance shoppers submit their information once, and at least one company can provide price quotes. This prevents consumers from doing quotation requests for each company you want a rate for.

To use this form to compare rates click here to start a free quote.

The only downside to getting quotes like this is that consumers can’t choose which insurance companies you want to price. So if you want to select specific insurance companies to compare rates, we have assembled a list of low cost insurance coverage companies in your area. Click to view list.

You can use whichever method you prefer to find lower rates, just double check that you are using the exact same coverages for every quote you compare. If you have different deductibles it will be very difficult to determine the best price for your Toyota Supra. Even a minor difference in limits can result in a big premium difference. And when comparison shopping, comparing more company’s prices increases your odds of finding the best rates. Not every company allows you to get rate quotes online, so you need to compare rates from those companies as well.

Situations that may require an agent’s advice

When it comes to buying the best auto insurance coverage, there really is no perfect coverage plan. Everyone’s needs are different.

For instance, these questions can aid in determining if your situation might need an agent’s assistance.

  • What is the rate difference between pleasure use and commuting?
  • Is there coverage for injuries to my pets?
  • Do I need replacement cost coverage?
  • Can I afford low physical damage deductibles?
  • Does my policy pay for OEM or aftermarket parts?
  • Am I covered if I crash into my own garage door?

If you can’t answer these questions, you may need to chat with a licensed insurance agent. To find lower rates from a local agent, take a second and complete this form.

Insurance coverages and their meanings

Understanding the coverages of insurance can be of help when determining appropriate coverage at the best deductibles and correct limits. The terms used in a policy can be impossible to understand and reading a policy is terribly boring.

Liability car insurance

This provides protection from damages or injuries you inflict on people or other property by causing an accident. Coverage consists of three different limits, per person bodily injury, per accident bodily injury, and a property damage limit. You might see limits of 50/100/50 which means a limit of $50,000 per injured person, a per accident bodily injury limit of $100,000, and a total limit of $50,000 for damage to vehicles and property. Occasionally you may see a combined single limit or CSL that pays claims from the same limit without having the split limit caps.

Liability coverage protects against things such as legal defense fees, loss of income, medical services and repair bills for other people’s vehicles. The amount of liability coverage you purchase is a decision to put some thought into, but you should buy higher limits if possible.

Uninsured Motorist or Underinsured Motorist insurance

Your UM/UIM coverage provides protection when the “other guys” do not carry enough liability coverage. It can pay for injuries sustained by your vehicle’s occupants as well as damage to your Toyota Supra.

Since a lot of drivers only purchase the least amount of liability that is required, it doesn’t take a major accident to exceed their coverage limits. This is the reason having UM/UIM coverage is a good idea. Normally these coverages are identical to your policy’s liability coverage.

Collision insurance

This coverage covers damage to your Supra from colliding with another car or object. You have to pay a deductible and then insurance will cover the remainder.

Collision insurance covers claims like rolling your car, driving through your garage door, sideswiping another vehicle and scraping a guard rail. Collision coverage makes up a good portion of your premium, so you might think about dropping it from older vehicles. Drivers also have the option to bump up the deductible to bring the cost down.

Comprehensive coverage (or Other than Collision)

Comprehensive insurance pays for damage from a wide range of events other than collision. A deductible will apply then your comprehensive coverage will pay.

Comprehensive insurance covers things like hail damage, theft, rock chips in glass and a tree branch falling on your vehicle. The maximum amount a insurance company will pay at claim time is the market value of your vehicle, so if it’s not worth much more than your deductible consider dropping full coverage.

Insurance for medical payments

Personal Injury Protection (PIP) and medical payments coverage kick in for bills for hospital visits, funeral costs, chiropractic care and prosthetic devices. They can be used in conjunction with a health insurance program or if you are not covered by health insurance. They cover both the driver and occupants as well as getting struck while a pedestrian. PIP is only offered in select states but can be used in place of medical payments coverage

Enter your zip code below to view companies that have cheap auto insurance rates.

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Final considerations

Insureds switch companies for any number of reasons including denial of a claim, extreme rates for teen drivers, high rates after DUI convictions and lack of trust in their agent. It doesn’t matter what your reason, switching insurance coverage companies is not as difficult as it may seem.

In this article, we presented a lot of tips how to reduce 1996 Toyota Supra insurance premium rates online. It’s most important to understand that the more times you quote, the higher your chance of finding affordable auto insurance. Drivers may discover the best premium rates are with a small local company.

Affordable 1996 Toyota Supra insurance is available online and with local insurance agents, and you should compare rates from both to have the best chance of lowering rates. There are still a few companies who may not provide online rate quotes and most of the time these regional insurance providers prefer to sell through local independent agencies.

More tips and info about insurance coverage can be read in these articles: