Toyota Corolla Insurance Rates in San Francisco

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Would you prefer to buy the cheapest Toyota Corolla insurance in San Francisco? Getting the lowest price San Francisco Toyota Corolla insurance quotes may seem to be overwhelming for beginners to comparing rates and buying car insurance over the internet. With such a large number of online companies, how can vehicle owners even start to compare the different rates to find better car insurance prices?

Insurance rates Toyota Corolla in San FranciscoStatistics show that 70% of consumers kept their policy with the same company for a minimum of four years, and nearly half have never quoted rates to find affordable coverage. American consumers could pocket nearly $859 a year, but they think it's difficult to compare rates and save money.

If you currently have insurance, you will be able to save money using this strategy. Quoting and buying affordable insurance policy in San Francisco is easy if you know what you're doing. Although California consumers must learn how the larger insurance companies set your policy premium because it can help you find the best coverage.

When quoting insurance, remember that comparing a large number of companies gives you a better chance of getting more affordable insurance.

The car insurance companies shown below are our best choices to provide free quotes in California. If multiple companies are shown, it's a good idea that you visit as many as you can in order to get a fair rate comparison.

Auto insurance analysis for a Toyota Corolla

The information displayed next covers a range of coverage costs for Toyota Corolla models. Being able to understand how insurance prices are formulated can help drivers make smart choices when buying a car insurance policy.

Toyota Corolla Insurance Rates in San Francisco, CA
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Corolla LE $294 $664 $464 $28 $138 $1,588 $132
Corolla S $294 $664 $464 $28 $138 $1,588 $132
Corolla XLE $294 $664 $464 $28 $138 $1,588 $132
Corolla XRS $332 $664 $464 $28 $138 $1,626 $136
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Data rating is based on married female driver age 40, no speeding tickets, no at-fault accidents, $250 deductibles, and California minimum liability limits. Discounts applied include homeowner, safe-driver, claim-free, multi-policy, and multi-vehicle. Rate quotes do not factor in specific garaging location which can influence coverage rates substantially.

Auto insurance deductibles

When comparing auto insurance rates, the most common question is how low should you set your deductibles. The comparison tables below may help to conceptualize the cost difference when you choose different insurance deductibles. The first price estimate table uses a $250 deductible for comp and collision and the second set of prices uses a $1,000 deductible.

Toyota Corolla insurance prices with $250 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Corolla LE $342 $678 $442 $26 $132 $1,645 $137
Corolla S $342 $678 $442 $26 $132 $1,645 $137
Corolla XLE $342 $678 $442 $26 $132 $1,645 $137
Corolla XRS $386 $678 $442 $26 $132 $1,689 $141
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Toyota Corolla insurance prices with $1,000 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Corolla LE $210 $426 $442 $26 $132 $1,236 $103
Corolla S $210 $426 $442 $26 $132 $1,236 $103
Corolla XLE $210 $426 $442 $26 $132 $1,236 $103
Corolla XRS $238 $426 $442 $26 $132 $1,264 $105
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Table data assumes married male driver age 30, no speeding tickets, no at-fault accidents, and California minimum liability limits. Discounts applied include multi-vehicle, safe-driver, claim-free, homeowner, and multi-policy. Rate information does not factor in specific location information which can raise or lower prices significantly.

Based on this data, we can arrive at the conclusion that using a $250 deductible costs approximately $34 more each month or $408 a year across all Toyota Corolla models than opting for the higher $1,000 deductible. Because you would be required to pay $750 more if you file a claim with a $1,000 deductible as compared to a $250 deductible, if you normally go at least 22 months between claims, you would probably come out ahead if you decide on a higher deductible.

The illustration below shows how different deductible levels and can impact Toyota Corolla premium costs for different ages of insureds. The premiums assume a married female driver, comp and collision included, and no additional discounts are factored in.

Drive safe and save

The chart below illustrates how speeding tickets and at-fault claims can drive up Toyota Corolla auto insurance rates for each different age category. The premiums assume a single male driver, comp and collision included, $1,000 deductibles, and no discounts are applied.

Do you qualify for these five discounts?

Car insurance companies do not advertise every discount in an easy-to-find place, so we researched a few of the more well known and also the lesser-known credits available to bring down your rates.Discount insurance

  • One Accident Forgiven - Not necessarily a discount, but some insurance companies will let one accident slide without the usual rate increase if your claims history is clear prior to being involved in the accident.
  • Telematics Data - Policyholders that allow companies to scrutinize their driving habits through the use of a telematics system such as State Farm's In-Drive could see a rate decrease if they exhibit good driving behavior.
  • Early Signing - Some companies give discounts for renewing your policy prior to your current Corolla insurance policy expiration. You may see this discount when you get San Francisco car insurance quotes online.
  • Driver Training Discounts - Taking a course in safe driver could possibly earn you a 5% discount and also improve your driving technique.
  • Multi-Vehicle Discounts - Buying a policy with multiple vehicles on a single policy can reduce rates for all insured vehicles.

Policy discounts save money, but many deductions do not apply to all coverage premiums. Most only reduce the price of certain insurance coverages like liability, collision or medical payments. Even though the math looks like you could get a free insurance policy, you aren't that lucky.

The diagram below shows the difference between Toyota Corolla auto insurance rates with and without policy discounts. The premium estimates are based on a male driver, no tickets, no at-fault accidents, California state minimum liability limits, comp and collision included, and $250 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with safe-driver, multi-policy, marriage, multi-car, claim-free, and homeowner discounts applied.

Some of the insurance companies that may have these money-saving discounts include:

When comparing rates, check with every company which discounts you may be entitled to. All car insurance discounts may not apply everywhere.

Why you need insurance for your Toyota Corolla

Despite the potentially high cost of Toyota Corolla insurance, maintaining insurance serves an important purpose.

  • The majority of states have minimum mandated liability insurance limits which means you are required to buy specific minimum amounts of liability insurance coverage if you want to drive legally. In California these limits are 15/30/5 which means you must have $15,000 of bodily injury coverage per person, $30,000 of bodily injury coverage per accident, and $5,000 of property damage coverage.
  • If you took out a loan on your vehicle, more than likely the lender will have a requirement that you have comprehensive coverage to guarantee their interest in the vehicle. If you do not keep the policy in force, the lender may insure your Toyota at a much higher rate and force you to pay for the much more expensive policy.
  • Car insurance protects both your vehicle and your assets. It also can pay for many types of medical costs for you, your passengers, and anyone else injured in an accident. Liability coverage also pays expenses related to your legal defense if you are sued as the result of your driving. If your vehicle suffers damage from an accident or hail, collision and comprehensive (also known as other-than-collision) coverage will pay to have it repaired.

The benefits of carrying enough insurance more than cancel out the cost, particularly for liability claims. Today the average American driver overpays as much as $865 each year so smart consumers compare quotes at every renewal to ensure rates are competitive.

You are unique and your auto insurance should be too

Always remember that when buying coverage for your vehicles, there really is not a perfect coverage plan. You are unique so your insurance should reflect thatSafe vehicles cost less to insure For instance, these questions may help you determine if you could use an agent's help.

  • Does car insurance cover theft of personal property?
  • Do I have coverage when making deliveries for my home business?
  • What is an SR-22 filing?
  • Can I pay claims out-of-pocket if I buy high deductibles?
  • What does PIP insurance cover?
  • How much can I save by bundling my policies?
  • Should I buy full coverage?
  • When should I remove my kid from my policy?

If you're not sure about those questions but you know they apply to you, you might consider talking to a licensed insurance agent. To find lower rates from a local agent, fill out this quick form or you can go here for a list of companies in your area.

Exclusive and independent auto insurance agents

A lot of people would prefer to sit down with an agent and that is not a bad decision The best thing about comparing auto insurance online is the fact that drivers can get cheaper rates and also buy local. Putting coverage with neighborhood insurance agencies is important especially in San Francisco.

Insurance agency in San FranciscoAfter completing this form (opens in new window), your insurance coverage information is immediately sent to local insurance agents in San Francisco who will give competitive quotes to get your business. There is no need to contact any insurance agencies since price quotes are sent directly to you. Get lower rates and a licensed agent to work with. If for some reason you want to get a price quote for a specific company, don't hesitate to visit that company's website to submit a rate quote request.

Shown below is a short list of auto insurance companies in San Francisco that may be willing to give rate quotes for Toyota Corolla insurance in San Francisco.

More San Francisco agents

Deciding on an insurance company is decision based upon more than just a low price. The questions below may impact your decision as well.

  • Do they have a Better Business Bureau rating in San Francisco?
  • If independent agents, which companies do they recommend?
  • Is the agent and/or agency licensed to do business in California?
  • When do they do policy reviews?
  • Is there a Errors and Omissions policy in force?
  • How much experience to they have in personal lines coverages?
  • Will the quote change when the policy is issued?

If you feel you receive satisfactory answers to these questions as well as a price you're happy with, chances are good that you have found an insurance company that is professional and can properly service your auto insurance policy. Just remember it's your coverage and you can terminate coverage for any reason so don't think that you are permanently stuck with a specific agent for the entire policy term.

Information about specific coverages

Understanding the coverages of a car insurance policy can help you determine the best coverages at the best deductibles and correct limits. The coverage terms in a policy can be ambiguous and coverage can change by endorsement. These are the normal coverages offered by car insurance companies.

Coverage for medical payments

Medical payments and Personal Injury Protection insurance provide coverage for short-term medical expenses like hospital visits, rehabilitation expenses, surgery, chiropractic care and nursing services. They can be used to fill the gap from your health insurance policy or if you do not have health coverage. They cover both the driver and occupants in addition to any family member struck as a pedestrian. Personal Injury Protection is not universally available but can be used in place of medical payments coverage

Liability auto insurance

Liability insurance can cover injuries or damage you cause to a person or their property that is your fault. Coverage consists of three different limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You might see liability limits of 15/30/5 that translate to a $15,000 limit per person for injuries, $30,000 for the entire accident, and $5,000 of coverage for damaged property. Another option is a combined single limit or CSL which limits claims to one amount rather than limiting it on a per person basis.

Liability coverage protects against claims such as repair bills for other people's vehicles, bail bonds, emergency aid, attorney fees and legal defense fees. How much liability should you purchase? That is your choice, but consider buying as high a limit as you can afford. California requires drivers to carry at least 15/30/5 but it's recommended drivers buy more coverage.

The chart below demonstrates why minimum state limits may not be adequate.

Collision coverage protection

This coverage covers damage to your Corolla resulting from colliding with a stationary object or other vehicle. A deductible applies and the rest of the damage will be paid by collision coverage.

Collision can pay for things such as crashing into a building, colliding with a tree, hitting a parking meter and sustaining damage from a pot hole. Collision is rather expensive coverage, so consider dropping it from vehicles that are 8 years or older. Drivers also have the option to increase the deductible on your Corolla to bring the cost down.

Uninsured and underinsured coverage

Your UM/UIM coverage gives you protection when the "other guys" either are underinsured or have no liability coverage at all. This coverage pays for hospital bills for your injuries as well as damage to your Toyota Corolla.

Due to the fact that many California drivers only carry the minimum required liability limits (which is 15/30/5), it only takes a small accident to exceed their coverage. That's why carrying high Uninsured/Underinsured Motorist coverage is very important. Usually these limits do not exceed the liability coverage limits.

Comprehensive coverages

This pays to fix your vehicle from damage that is not covered by collision coverage. You first must pay your deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage protects against claims like damage from a tornado or hurricane, vandalism, hail damage and fire damage. The highest amount you'll receive from a claim is the ACV or actual cash value, so if your deductible is as high as the vehicle's value it's probably time to drop comprehensive insurance.