If you want to find the absolute lowest rates, then the best way to find affordable Toyota Yaris insurance is to compare prices at least once a year from insurance carriers in Buffalo.
- Spend a few minutes and learn about the different coverages in a policy and the measures you can control to prevent high rates. Many policy risk factors that are responsible for high rates like high-risk driving behaviors and a substandard credit score can be amended by making minor changes in your lifestyle. This article gives information to get low prices and find hidden discounts.
- Compare rates from direct carriers, independent agents, and exclusive agents. Direct and exclusive agents can only provide price estimates from a single company like GEICO and Allstate, while agents who are independent can provide rate quotes for many different companies. View insurance agents
- Compare the new rate quotes to your current policy to determine if you can save on Yaris insurance. If you find a lower rate, make sure there is no lapse in coverage.
- Provide written notification to your current company to cancel your current auto insurance policy. Submit a down payment along with a completed application for your new coverage. As soon as you have the new policy, put the proof of insurance paperwork in an easily accessible location in your vehicle.
An important note is to use similar limits and deductibles on every quote request and and to get quotes from as many auto insurance providers as possible. This enables the most accurate price comparison and plenty of rates choose from.
Unthinkable but true, the vast majority of consumers kept their policy with the same company for at least the last four years, and approximately 40% of consumers have never compared quotes from other companies. Many consumers in New York can save hundreds of dollars each year just by comparing rates, but they don’t believe how much savings they would realize if they switched.
Buying affordable car insurance in Buffalo is quite easy if you know the best way to do it. If you have car insurance now, you should be able to reduce premiums using this information. Smart shoppers just have to understand the proper methods to shop from many different companies.
The auto insurance companies shown below can provide quotes in New York. To locate the cheapest auto insurance in New York, we suggest you visit two to three different companies in order to find the lowest rates.
Take advantage of these six money saving discounts
Insuring your vehicles can cost a lot, but there could be significant discounts that many consumers don’t even know exist. Some of these discounts will be visible at the time of quoting, but occasionally some discounts must be requested specifically before you will receive the discount.
- Early Renewal Discounts – Select insurance companies give a discount for signing up prior to the expiration date on your current Yaris insurance policy. You can save around 10% with this discount.
- Low Mileage Discounts – Low mileage vehicles could earn substantially lower auto insurance rates.
- Paperless Signup – Some of the larger companies may give you up to $50 for buying your policy on your computer.
- Discounts for Seat Belt Usage – Requiring all passengers to use a seat belt may be able to save a few bucks off the PIP or medical payment premium.
- Good Student Discount – Being a good student can earn a discount of 20% or more. This discount can apply well after school through age 25.
- Lower Rates for Military – Having a deployed family member could be rewarded with lower premium rates.
One thing to note about discounts is that some credits don’t apply to the overall cost of the policy. Most only apply to the price of certain insurance coverages like comp or med pay. Just because you may think all the discounts add up to a free policy, it just doesn’t work that way.
The diagram below compares Toyota Yaris insurance costs with and without discounts applied to the rates. The rates are based on a male driver, no claims or driving citations, New York state minimum liability limits, full coverage, and $100 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with safe-driver, multi-policy, multi-car, marriage, homeowner, and claim-free discounts applied.
Popular auto insurance companies and some of the discounts are detailed below.
- GEICO includes discounts for multi-policy, anti-theft, military active duty, good student, driver training, and multi-vehicle.
- Mercury Insurance has savings for multi-car, good student, location of vehicle, multi-policy, type of vehicle, and age of vehicle.
- Farmers Insurance offers discounts for pay in full, switch companies, youthful driver, early shopping, mature driver, multi-car, and alternative fuel.
- Auto-Owners Insurance offers discounts including mature driver, safe driver, air bags, multi-policy, and anti-lock brakes.
- Liberty Mutual policyholders can earn discounts including new move discount, good student, exclusive group savings, safety features, and teen driver discount.
- SAFECO may offer discounts for anti-theft, multi-car, anti-lock brakes, homeowner, bundle discounts, and safe driver.
- Progressive offers premium reductions for good student, online quote discount, continuous coverage, homeowner, multi-policy, online signing, and multi-vehicle.
- USAA may include discounts for multi-policy, safe driver, defensive driver, loyalty savings, military installation, annual mileage, and good student.
If you want inexpensive Buffalo auto insurance quotes, ask every company which credits you are entitled to. Some of the earlier mentioned discounts might not be offered on policies in every state.
Premium rates and analysis
The table below covers detailed analysis of insurance premium costs for Toyota Yaris models. Learning more about how insurance quotes are formulated is important for you to make decisions when shopping around.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Yaris 2-Dr Hatchback | $124 | $272 | $338 | $20 | $102 | $856 | $71 |
| Yaris 4-Dr Hatchback | $124 | $272 | $300 | $18 | $90 | $804 | $67 |
| Yaris 4-Dr Sedan | $124 | $272 | $300 | $18 | $90 | $804 | $67 |
| Yaris S 2-Dr Hatchback | $142 | $272 | $338 | $20 | $102 | $874 | $73 |
| Yaris S 4-Dr Hatchback | $142 | $272 | $300 | $18 | $90 | $822 | $69 |
| Yaris S 4-Dr Sedan | $142 | $272 | $300 | $18 | $90 | $822 | $69 |
| Get Your Own Custom Quote Go | |||||||
Cost estimates assume single female driver age 50, no speeding tickets, no at-fault accidents, $500 deductibles, and New York minimum liability limits. Discounts applied include multi-vehicle, claim-free, homeowner, safe-driver, and multi-policy. Table data does not factor in specific garaging location which can revise rates greatly.
Should you raise deductibles?
One common question asked by Buffalo drivers is the level to set your comp and collision deductibles. The comparisons below outline the differences in premium rates when you buy lower versus higher policy deductibles. The first data table uses a $100 physical damage coverage deductible and the second data table uses a $1,000 deductible.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Yaris 2-Dr Hatchback | $198 | $412 | $300 | $18 | $90 | $1,043 | $87 |
| Yaris 4-Dr Hatchback | $198 | $412 | $264 | $16 | $80 | $995 | $83 |
| Yaris 4-Dr Sedan | $198 | $412 | $264 | $16 | $80 | $995 | $83 |
| Yaris S 2-Dr Hatchback | $228 | $412 | $300 | $18 | $90 | $1,073 | $89 |
| Yaris S 4-Dr Hatchback | $228 | $412 | $264 | $16 | $80 | $1,025 | $85 |
| Yaris S 4-Dr Sedan | $228 | $412 | $264 | $16 | $80 | $1,025 | $85 |
| Get Your Own Custom Quote Go | |||||||
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Yaris 2-Dr Hatchback | $110 | $216 | $300 | $18 | $90 | $734 | $61 |
| Yaris 4-Dr Hatchback | $110 | $216 | $264 | $16 | $80 | $686 | $57 |
| Yaris 4-Dr Sedan | $110 | $216 | $264 | $16 | $80 | $686 | $57 |
| Yaris S 2-Dr Hatchback | $126 | $216 | $300 | $18 | $90 | $750 | $63 |
| Yaris S 4-Dr Hatchback | $126 | $216 | $264 | $16 | $80 | $702 | $59 |
| Yaris S 4-Dr Sedan | $126 | $216 | $264 | $16 | $80 | $702 | $59 |
| Get Your Own Custom Quote Go | |||||||
Data based on married male driver age 30, no speeding tickets, no at-fault accidents, and New York minimum liability limits. Discounts applied include claim-free, multi-vehicle, safe-driver, multi-policy, and homeowner. Table data does not factor in specific location information which can affect premiums greatly.
We can estimate from the data above that using a $100 deductible will cost you roughly $26 more each month or $312 a year than quoting the higher $1,000 deductible. Because you would be required to pay $900 more to file a claim with a $1,000 deductible as compared to a $100 deductible, if you normally average more than 35 months between claim filings, you would more than likely save some money by going with a higher deductible.