Cheapest 2000 Toyota Celica Insurance Rates in 2023
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UPDATED: May 23, 2022
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The Toyota Celica is a sports car that was discontinued in 2005, but some drivers may still be looking for cheap car insurance. As with any vehicle, it’s important to maintain coverage in order to protect them.
That being said, what you pay relies heavily on the type of vehicle you’re insuring. When you’re looking for coverage on a 2000 Toyota Celica, you may be surprised to see fluctuating rates. Read our comprehensive guide to help answer the question of how much it will cost to insure a Toyota Celica on average.
There are a number of factors used to determine what you will pay for car insurance. How many miles you drive each year, what your driving record looks like, and sometimes even where you live can be used.
Want cheaper car insurance rates for your Toyota Celica? There are quite a few ways to find and compare prices, and you can actually start online.
The purpose of this article is to introduce you to the most effective way to quote insurance. If you have car insurance now, you will be able to reduce your rates substantially using these tips. Knowing what the insurance market has to offer and how companies will promote themselves will give you the edge.
Want to compare auto insurance companies to find the best rates? Just enter your ZIP code into our free comparison tool to get started.
What factors are used to determine what you pay for auto insurance?
Understanding the factors used by most companies can help you determine how much you will pay for car insurance. These factors will vary based on which company you’re getting a quote from, so be mindful that all insurance companies have their own set of standards.
Below is a list of certain pieces of information that a company may use to determine your insurance cost:
- Credit Score – Your credit rating is a big factor in calculating your auto insurance rates. People with good credit tend to be more responsible financially and overall, as compared to drivers with lower credit scores. You could save money insuring your 2000 Toyota Celica by spending a little time repairing your credit.
- Location – Living in small towns and rural areas has it’s advantages when talking about auto insurance. A lower population means reduced accidents and also fewer theft and vandalism claims. Urban drivers have congested traffic and longer commutes to work. More time commuting can result in more accidents.
- Coverage Required – There are quite a few extra bells and whistles that you can buy for your vehicle, but they aren’t always required. Insurance for personal injury protection, towing coverage and additional equipment coverage may be costing you every month. These may sound like a good investment initially, but now you might not need them, so eliminate the coverages to reduce your premium.
- Vehicle Usage – The more you drive each year the higher your rates will be. Most insurance companies rate vehicles based on their usage. Vehicles used primarily for pleasure use get more affordable rates as compared to vehicles used primarily for driving to work. Improper usage on your Celica can result in significantly higher rates. Double check that your auto insurance policy shows the correct driver usage.
- Claim History – If you file claims often, you can look forward to higher rates. Companies give better rates to people who do not rely on their insurance for small claims. Insurance coverage is meant to be used in the event of larger claims.
- Liability Coverage – Liability coverage provides coverage if a court ever rules that you are at fault for damages caused by your negligence. It will provide legal defense coverage up to the limits shown on your policy. This coverage is very inexpensive when compared with rates for comp and collision, so do not skimp here.
- Multi-policy Holder – Many auto insurance companies will give a discount to insureds who carry more than one policy, such as combining an auto and homeowners policy. This can amount to 10-20% in savings in some cases. If you’re currently using one company, it’s in your best interest to comparison shop to make sure you are getting the best deal.
- Occupation – Careers like doctors, social workers, and stock brokers tend to pay the highest rates due to job stress and long work days. On the other hand, occupations like farmers, students and the unemployed have the lowest average rates for Celica insurance.
What discounts are available to save you money on your car insurance?
Insurance can cost an arm and a leg, but discounts can save you some money when it comes to your policy. There might even be some available that you may not know about. Some discounts apply automatically at the time of quoting, but a few must be asked for before you will receive the discount.
- Multi-car Discount – Insuring more than one vehicle on one policy can get a discount on all vehicles.
- Anti-theft Discount – Anti-theft and alarm systems help deter theft and therefore earn up to a 10% discount.
- One Accident Forgiven – Some insurance companies will allow you to have one accident before hitting you with a surcharge if you are claim-free for a set time period.
- Drive Safe and Save – Drivers who don’t get into accidents can get discounts for up to 45% lower rates for Celica insurance than less cautious drivers.
- Pay Upfront and Save – If paying your policy premium upfront instead of paying each month you can actually save on your bill.
A little note about advertised discounts, most of them do not apply to all coverage premiums. Most cut the price of certain insurance coverages like liability and collision coverage. Even though it may seem like it’s possible to get free car insurance, companies wouldn’t make money that way. Any amount of discount will reduce the amount you have to pay.
When should you consider contacting an agent?
When it comes to choosing proper insurance coverage for your personal vehicles, there is no single plan that fits everyone. Your needs are not the same as everyone else’s. This is why sometimes people prefer talking with an agent rather than finding information online themselves.
For example, these questions might point out if your insurance needs might need an agent’s assistance.
- Should I get collision insurance on every vehicle?
- Am I covered when driving in Canada or Mexico?
- What vehicles should carry emergency assistance coverage?
- How high should my medical payments coverage be?
- Should I carry comprehensive and collision coverage?
- Which is better, split liability limits or combined limits?
- Am I covered if I break a side mirror?
- Does liability extend to a camper or trailer?
- Is my 2000 Toyota Celica covered for flood damage?
- How much can I save by bundling my policies?
If it’s difficult to answer those questions but a few of them apply, then you may want to think about talking to a licensed agent.
The Different Types of Car Insurance Coverage
Understanding the coverages of an insurance policy can be of help when determining the best coverages and proper limits and deductibles. The terms used in a policy can be difficult to understand and nobody wants to actually read their policy.
Med Pay and PIP Coverage
Med pay and PIP coverage provide coverage for expenses such as rehabilitation expenses, funeral costs, doctor visits and pain medications. They are used to cover expenses not covered by your health insurance policy or if you do not have health coverage. It covers all vehicle occupants in addition to if you are hit while walking down the street. PIP is not an option in every state but it provides additional coverages not offered by medical payments coverage
Liability insurance can cover damage that occurs to other’s property or people in an accident. This insurance protects you from legal claims by others, and doesn’t cover your injuries or vehicle damage.
It consists of three limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. Your policy might show limits of 25/50/25 which stand for $25,000 in coverage for each person’s injuries, a per accident bodily injury limit of $50,000, and property damage coverage for $25,000. Another option is a combined limit which provides one coverage limit without having the split limit caps.
Liability insurance covers things like loss of income, repair bills for other people’s vehicles and pain and suffering. How much coverage you buy is your choice, but you should buy as high a limit as you can afford.
Protection From Uninsured/Underinsured Drivers
This coverage provides protection when other motorists do not carry enough liability coverage. Covered losses include injuries to you and your family as well as damage to your Toyota Celica.
Since many drivers carry very low liability coverage limits, their limits can quickly be used up. That’s why carrying high Uninsured/Underinsured Motorist coverage is very important. Normally these limits are set the same as your liability limits.
Comprehensive (Other than Collision)
This coverage pays to fix your vehicle from damage other than collision with another vehicle or object. You need to pay your deductible first then your comprehensive coverage will pay.
Comprehensive coverage pays for things like a tree branch falling on your vehicle, damage from getting keyed, damage from a tornado or hurricane, vandalism and hail damage. The most you’ll receive from a claim is the market value of your vehicle, so if it’s not worth much more than your deductible consider removing comprehensive coverage.
This coverage pays for damage to your Celica resulting from a collision with another car or object. A deductible applies and the rest of the damage will be paid by collision coverage.
Collision coverage pays for things like damaging your car on a curb, hitting a parking meter and sideswiping another vehicle. Collision is rather expensive coverage, so you might think about dropping it from lower value vehicles. Another option is to increase the deductible to get cheaper collision coverage.
What should you consider when looking at insurance for a 2000 Toyota Celica?
Cheap 2000 Toyota Celica insurance can be sourced online and also from your neighborhood agents. If you compare quotes from both, you’ll get a much better idea about the price you should be paying. Some companies may not provide online price quotes and these small insurance companies work with independent agents. Don’t forget that each company has their own set of standards that they use when determining rates as well.
The most important thing to understand is the more times you quote, the higher the chance of saving money. Consumers could even find that the best price on auto insurance is with the smaller companies.
When trying to cut insurance costs, you should never skimp on coverage in order to save money. There have been many situations where an accident victim reduced liability limits or collision coverage and found out when filing a claim they didn’t purchase enough coverage. Your goal should be to buy a smart amount of coverage at the best price, not the least amount of coverage.
Additional Helpful Information:
- Can I Drive Legally without Insurance? (Insurance Information Institute)
Don’t forget about our comparison tool, which will help you to compare quotes from various companies as long as you enter your ZIP code into the box. Getting quotes online can be a great start to saving money on your car insurance policy.
Now that we’ve gone through how to shop for rates, it’s time to focus on the Toyota Celica. In the next part of this article, we’ll be covering questions that you may have about the vehicle itself.
What is the 2000 Toyota Celica safety rating?
After you’ve gotten more comfortable looking for car insurance rates, you may start questioning your vehicle. When you compare average car insurance rates by car type, sports cars like the Toyota Celica are often high.
To calculate your rates, insurance companies will look at a variety of factors as mentioned above, and one of those factors can be the safety rating of the vehicle. Is the Toyota Celica considered a high-risk vehicle? That sort of question will be scrutinized heavily.
In this situation, we’ll be looking at the 2000 Toyota Celica safety rating. The National Highway Traffic Safety Administration gives the Toyota Celica the following ratings:
- Front (driver-side): Four stars
- Front (passenger-side): Four stars
- Side Barrier (driver-side): Three stars
- Rollover Star Rating: Five stars
Five stars are the highest rating. Fortunately, the Celica fares pretty well. There is often a correlation between the safety of a vehicle and what the insurance premiums for said vehicle will look like. Since the Celica is a sports car, it will always begin with a higher rating than average, because of the risks generally taken behind the wheel of a fast car. However, there are ways that you can mitigate this cost.
Installing safety features and anti-theft devices in your Celica can be incredibly beneficial. Plenty of insurance companies will provide discounts for a safer car.
2000 Toyota Celica Compared Against Other Vehicles in the Same Class
Looking at the Toyota Celica history, the sports car was discontinued in 2006. If you’re wondering why Toyota halted production on the Celica, unfortunately the car just wasn’t selling well.
For better or worse, that means that all Celica models at this point will be used.
It’s tempting to compare the Celica to other Toyota vehicles. For example, Toyota Camry insurance costs look very different. Unless you’re planning on buying a different car, try to keep comparisons between similar vehicles. It’s no use comparing a Celica to a 4Runner or a Tacoma.
Instead, compare the Celica to other, similar car models. It’s an easy way to save on insurance, especially if your model has better insurance loss ratios.
How does the Toyota Celica differ from other midsize sports cars? Find out by comparing it to the following models:
According to the Insurance Institute for Highway Safety, a lot of midsize sports cars from 2006 have higher than average collision and comprehension insurance loss ratios. This could lead to higher premiums.
Below are some frequently asked questions when it comes time to insure your Toyota Celica.
1 – Are Toyotas more expensive to insure?
If you’re trying to figure out if your Toyota is more expensive to insure compared to a Honda or a Chevrolet, you’re going to find it doesn’t come down to the make and model, but rather other factors. Most insurance companies will focus on what state you live in, what type of driver you are, and the age of the vehicle.
2 – Will the color of your Toyota Celica affect your rate?
No, it will not.
3 – Will you pay more if you opt for the sport package?
Only if the parts are expensive to replace. However, if you’re trying to get Toyota ‘86 insurance costs for an under 25-year-old driver, then yes it is more expensive.
4- At what age will my rates go down?
Usually, after you turn 26 your rates decrease dramatically.
It’s impossible to say what is the cheapest car insurance company. But you can secure cheap rates for your 2000 Toyota Celica by entering your ZIP code into our FREE quote comparison tool.
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