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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Baffled by the wide range of insurance companies available to you? Many other people are too. There are such a large number of options that it can easily become a difficult situation to find the lowest price.

Lower-cost car insurance quotes with discounts

Some companies don’t necessarily list all their discounts very well, so we break down a few of the more well known and also the lesser-known credits that may apply to you.

  • Life Insurance Discount – Not every insurance company offers life insurance, but if they do you may earn lower car insurancerates if you buy a life insurance policy as well.
  • Pay Early and Save – If paying your policy premium upfront as opposed to paying monthly you can avoid the installment charge.
  • New Car Discount – Adding a new car to your policy can be considerably cheaper because newer vehicles keep occupants safer.
  • Student Driver Training – It’s a good idea to have your young drivers take driver’s ed class as it can save substantially.
  • Anti-lock Brake System – Vehicles equipped with ABS or steering control can avoid accidents and earn discounts up to 10%.
  • Auto/Home Discount – If you have multiple policies with one insurance company you could get a discount of at least 10% off all policies.
  • Homeowners Pay Less – Owning a house may earn you a small savings because of the fact that having a home shows financial diligence.

Drivers should understand that many deductions do not apply to your bottom line cost. Some only apply to the cost of specific coverages such as comp or med pay. So even though you would think it’s possible to get free car insurance, companies wouldn’t make money that way.

Large car insurance companies and some of their more popular discounts are outlined below.

  • GEICO may include discounts for driver training, emergency military deployment, federal employee, good student, and five-year accident-free.
  • Travelers offers premium reductions for continuous insurance, multi-policy, hybrid/electric vehicle, driver training, multi-car, and home ownership.
  • Farm Bureau may have discounts that include good student, multi-policy, renewal discount, youthful driver, and safe driver.
  • Liberty Mutual may offer discounts for good student, newly married, new graduate, hybrid vehicle, and multi-car.
  • American Family offers discounts for air bags, multi-vehicle, early bird, bundled insurance, mySafetyValet, accident-free, and good student.
  • Progressive policyholders can earn discounts including homeowner, online quote discount, good student, online signing, multi-policy, and multi-vehicle.

If you are trying to find cheap auto insurance quotes, ask all companies you are considering which discounts can lower your rates. Depending on the company, some discounts might not be offered in your area. To view providers with the best discounts, follow this link.

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

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Tailor your insurance coverage coverage to you

When choosing proper insurance coverage, there really is not a “perfect” insurance plan. Every insured’s situation is different.

Here are some questions about coverages that could help you determine whether your personal situation may require specific advice.

  • What can I do if my company won’t pay a claim?
  • Is my 1998 Toyota Supra covered for smoke damage?
  • Does my medical payments coverage pay my health insurance deductible?
  • Do I pay less if my vehicle is kept in my garage?
  • Do I need an umbrella policy?
  • Am I covered if I break a side mirror?
  • If my pet gets injured in an accident are they covered?
  • Is borrowed equipment or tools covered if stolen or damaged?
  • Is my cargo covered for damage or theft?

If you’re not sure about those questions but you think they might apply to your situation, then you may want to think about talking to an insurance agent. If you don’t have a local agent, fill out this quick form.

Auto insurance coverages

Learning about specific coverages of your policy can be of help when determining which coverages you need and proper limits and deductibles. Insurance terms can be confusing and coverage can change by endorsement.

Med pay and Personal Injury Protection (PIP)

Med pay and PIP coverage kick in for bills for things like rehabilitation expenses, nursing services, funeral costs, surgery and hospital visits. The coverages can be used to fill the gap from your health insurance program or if you lack health insurance entirely. It covers not only the driver but also the vehicle occupants and also covers getting struck while a pedestrian. Personal Injury Protection is not universally available and gives slightly broader coverage than med pay

Auto collision coverage

This coverage will pay to fix damage to your Supra resulting from a collision with an object or car. You first must pay a deductible then your collision coverage will kick in.

Collision coverage pays for things like sideswiping another vehicle, rolling your car and colliding with another moving vehicle. Paying for collision coverage can be pricey, so consider dropping it from lower value vehicles. You can also bump up the deductible to get cheaper collision coverage.

Uninsured/Underinsured Motorist (UM/UIM)

This coverage protects you and your vehicle from other motorists when they are uninsured or don’t have enough coverage. Covered claims include medical payments for you and your occupants as well as your vehicle’s damage.

Since a lot of drivers carry very low liability coverage limits, their limits can quickly be used up. For this reason, having high UM/UIM coverages should not be overlooked.

Comprehensive insurance

Comprehensive insurance pays for damage that is not covered by collision coverage. A deductible will apply then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage protects against things such as vandalism, hail damage, damage from a tornado or hurricane and falling objects. The most your insurance company will pay is the actual cash value, so if the vehicle’s value is low consider removing comprehensive coverage.

Liability coverage

Liability insurance protects you from damages or injuries you inflict on other people or property. It protects you from legal claims by others, and does not provide coverage for your own vehicle damage or injuries.

Split limit liability has three limits of coverage: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. As an example, you may have liability limits of 50/100/50 which means a limit of $50,000 per injured person, $100,000 for the entire accident, and $50,000 of coverage for damaged propery.

Liability can pay for things like emergency aid, repair bills for other people’s vehicles, bail bonds and attorney fees. How much liability coverage do you need? That is up to you, but buy higher limits if possible.

One last thing about your coverage

Consumers who switch companies do it for a variety of reasons including an unsatisfactory settlement offer, extreme rates for teen drivers, unfair underwriting practices and even high rates after DUI convictions. Regardless of your reason, switching companies is pretty simple and you could end up saving a buck or two.

We just covered a lot of tips how to compare 1998 Toyota Supra insurance prices online. The most important thing to understand is the more providers you compare, the better your chances of lowering your rates. You may be surprised to find that the biggest savings come from a small mutual company.

Cheap 1998 Toyota Supra insurance can be sourced both online in addition to local insurance agencies, and you should compare price quotes from both in order to have the best price selection to choose from. Some auto insurance companies do not offer rates over the internet and usually these regional carriers only sell through independent agents.

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