Compare 2018 Toyota Sienna Car Insurance Quotes in 2024

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

Jeffrey Johnson

Insurance Lawyer

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...

Insurance Lawyer

UPDATED: May 28, 2024

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Our insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.

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Cutting costs on auto insurance may be nearly impossible for drivers who are beginners to comparison shopping online. There are so many choices that it can turn into a real hassle to locate the lowest price.

Consumers need to do rate comparisons on a regular basis because prices are usually higher with each renewal. Despite the fact that you may have had the best quotes on Sienna insurance at your last renewal you can probably find a lower rate today. Ignore everything you know about auto insurance because I’m going to let you in on the secrets to the proper way to reduce your cost while improving coverage.

Finding affordable protection is easy if you know what you’re doing. Just about everyone who is shopping for car insurance will be able to find lower rates. Nevertheless, vehicle owners benefit from understanding the methods companies use to compete online because it can help you find the best coverage.

Don’t overlook these auto insurance discounts

Companies that sell car insurance don’t necessarily list all possible discounts very well, so we break down a few of the more well known as well as some of the hidden credits that may apply to you.

  • Government Employee Discount – Federal government employees could provide a small rate reduction on Sienna insurance with certain companies.
  • Lower Rates for Military – Having a family member in the military can result in better premium rates.
  • Multiple Vehicles – Buying coverage for multiple cars on a single policy can reduce the rates for all insured vehicles.
  • Theft Prevention System – Cars with anti-theft systems are stolen less frequently and qualify for as much as a 10% discount.
  • Multi-policy Discount – If you can combine your auto and homeowners policy with the same insurance company you may earn approximately 10% to 15%.
  • Passive Restraints – Factory air bags could see savings of 25 to 30%.
  • Low Mileage – Maintaining low annual mileage can earn substantially lower rates.
  • Good Driver Discount – Insureds who avoid accidents may receive a discount up to 45% on Sienna insurance compared to rates paid by drivers with frequent claims.
  • Student Driver Training – Teen drivers should complete a driver education course if it’s offered in school.
  • Distant College Student Discount – Youth drivers who attend college more than 100 miles from home without a vehicle on campus can receive lower rates.

Please keep in mind that most credits do not apply to all coverage premiums. Most only cut the price of certain insurance coverages like liability, collision or medical payments. So even though you would think adding up those discounts means a free policy, auto insurance companies aren’t that generous.

To see insurance companies that offer discounts, enter your zip code here.

When to get professional advice

When buying the right insurance coverage for your personal vehicles, there really is no cookie cutter policy. Everyone’s situation is unique.

For example, these questions could help you determine if you may require specific advice.

  • Which is better, split liability limits or combined limits?
  • Do I pay less if my vehicle is kept in my garage?
  • How do I insure my teen driver?
  • Does my policy cover me when driving someone else’s vehicle?
  • Is my custom paint covered by insurance?
  • Where can I find DUI or SR-22 insurance?
  • Is a new car covered when I drive it off the dealer lot?
  • Why is insurance for a teen driver so high?
  • What if I don’t agree with a claim settlement offer?

If you can’t answer these questions but you think they might apply to your situation, you may need to chat with an agent. To find lower rates from a local agent, simply complete your zip code.

Tricks in auto insurance advertising

Well-known auto insurance companies like Allstate and Progressive constantly bombard you with television, radio, and online ads. All the ads advertise claims about savings just by switching your policy. But how can every company offer you a better deal? Here is how they do it.

All the different companies have specific criteria for the type of customer that earns them the most money. An example of a profitable customer may be a female over age 40, has a low-risk occupation, and has excellent credit. Someone who matches those parameters will probably get cheap car insurance rates and will probably save when they switch companies.

Consumers who fall short of the ideal profile will be quoted a more expensive rate and the customer not purchasing. If you pay close attention to the ads, they say “customers who switch” not “everyone that quotes” save that much when switching. That’s why companies can truthfully state the savings.

That is why it’s extremely important to get a wide range of price quotes. It is just not possible to predict which auto insurance company will give you lower car insurance rates than your current company.

Specific coverages for a Toyota Sienna

Learning about specific coverages of a auto insurance policy can be of help when determining the best coverages and proper limits and deductibles. The coverage terms in a policy can be impossible to understand and even agents have difficulty translating policy wording.


This coverage can cover damage or injury you incur to a person or their property. This insurance protects YOU against other people’s claims, and doesn’t cover damage to your own property or vehicle.

Liability coverage has three limits: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You commonly see liability limits of 100/300/100 which stand for $100,000 bodily injury coverage, a total of $300,000 of bodily injury coverage per accident, and property damage coverage for $100,000. Occasionally you may see one limit called combined single limit (CSL) which provides one coverage limit with no separate limits for injury or property damage.

Liability insurance covers things such as repair bills for other people’s vehicles, pain and suffering, funeral expenses and court costs. How much liability coverage do you need? That is your choice, but you should buy higher limits if possible.

Comprehensive (Other than Collision)

This coverage pays for damage caused by mother nature, theft, vandalism and other events. You first have to pay a deductible and then insurance will cover the rest of the damage.

Comprehensive can pay for things like hitting a deer, rock chips in glass and theft. The most your auto insurance company will pay is the market value of your vehicle, so if your deductible is as high as the vehicle’s value consider removing comprehensive coverage.

Protection from uninsured/underinsured drivers

This gives you protection from other drivers when they are uninsured or don’t have enough coverage. Covered losses include injuries to you and your family as well as damage to your Toyota Sienna.

Since many drivers only carry the minimum required liability limits, their liability coverage can quickly be exhausted. This is the reason having UM/UIM coverage should not be overlooked. Usually these coverages do not exceed the liability coverage limits.

Collision coverage protection

Collision insurance pays for damage to your Sienna from colliding with an object or car. You have to pay a deductible then your collision coverage will kick in.

Collision insurance covers claims like hitting a mailbox, scraping a guard rail, backing into a parked car and damaging your car on a curb. Paying for collision coverage can be pricey, so consider dropping it from older vehicles. It’s also possible to choose a higher deductible to bring the cost down.

Medical expense insurance

Coverage for medical payments and/or PIP reimburse you for short-term medical expenses such as dental work, rehabilitation expenses, prosthetic devices and doctor visits. They can be used in conjunction with a health insurance policy or if you are not covered by health insurance. Medical payments and PIP cover all vehicle occupants and also covers being hit by a car walking across the street. Personal injury protection coverage is not available in all states but can be used in place of medical payments coverage

Final thoughts

Consumers switch companies for any number of reasons including delays in responding to claim requests, not issuing a premium refund, extreme rates for teen drivers and policy cancellation. No matter why you want to switch, finding a great new company is not as difficult as it may seem.

We just presented many ideas to lower your 2018 Toyota Sienna insurance prices. The key thing to remember is the more times you quote, the better your chances of lowering your rates. Consumers could even find that the best prices are with the least-expected company.

More affordable car insurance is definitely available online as well as from independent agents, so you should compare both to get a complete price analysis. Some insurance companies don’t offer internet price quotes and these smaller providers provide coverage only through independent insurance agents.

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