Lower Your 2019 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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Tired of not being able to scrape enough together to make your auto insurance payment? Your situation is no different than many other consumers.

Multiple insurance companies compete for your hard-earned dollar, and because of this it can be hard to compare auto insurance companies and uncover the absolute lowest cost out there.

If you currently have a car insurance policy, you will most likely be able to cut costs considerably using this strategy. Finding affordable coverage is not that difficult. But consumers do need to understand the way insurance companies price insurance differently and apply this information to your search.

Six tips to get cheaper insurance costs

Many different elements are part of the equation when premium rates are determined. Some are pretty understandable like an MVR report, but other criteria are less apparent such as whether you are married or your commute time.

Shown below are a few of the things used by companies to determine your rates.

  • Policy add-ons could be costing you – Policies have additional extra coverages that sound like a good idea at the time if you aren’t diligent. Coverage for things like personal injury protection, high-cost glass coverage, and term life insurance are probably not needed. The coverages may be enticing at first, but if they’re wasting money eliminate the coverages to reduce your premium.
  • File a insurance claims and pay more – Auto insurance companies generally give the best rates to policyholders who file claims infrequently. If you’re an insured who likes to file claims you can definitely plan on either policy cancellation or increased premiums. Your car insurance is intended for the bigger claims that can’t be paid out-of-pocket.
  • Where do you drive? – The higher the mileage driven annually the more you’ll pay to insure it. Most insurance companies price each vehicle’s coverage based upon how much you drive. Vehicles not used for work or commuting can be on a lower rate level compared to those used for work or business. It’s always a good idea to double check that your policy states the correct driver usage, because improper ratings can cost you money. An improperly rated Sienna is throwing money out the window.
  • Prevent theft and save – Owning a car that has a built-in theft deterrent system can save you a little every year. Advanced theft deterrents such as OnStar found on GM vehicles, advanced tracking like LoJack, and vehicle immobilization systems can thwart auto theft.
  • Females tend to take less risk – Over time, data shows that men are more aggressive behind the wheel. Now that doesn’t mean men are WORSE drivers than women. Both genders cause at-fault accidents in similar percentages, but the men have accidents that have higher claims. Men also tend to get higher numbers of serious violations such as reckless driving. Male drivers age 16 to 19 are several times more likely to be in an accident and therefore have the most expensive insurance coverage rates.
  • Employer stress can make you pay more – Careers like lawyers, police officers and miners generally pay higher premium rates in part from intense work-related stress and extremely grueling work hours. On the other hand, professions such as scientists, historians and the unemployed pay lower than average rates for Sienna insurance.

How to compare insurance quotes

There are several ways to compare insurance quotes, but one way is less labor-intensive and much quicker. You can waste hours talking to insurance agencies in your area, or you could use online quoting to get prices fast.

Many insurance companies take part in a program that enables customers to submit their information once, and at least one company returns a competitive quote determined by their information. This system prevents you from having to do form submissions to each individual insurance company. To fill out one form to compare multiple rates now enter your zip code here.

The one downside to doing it this way is you cannot specify which companies to receive prices from. So if you want to select specific insurance companies to compare rates, we put together a list of companies who write insurance in your area. Click to enter zip code.

It’s up to you how you get prices quotes, just ensure you are comparing exactly the same coverage data for every quote you compare. If you have differing limits it will be very difficult to make an equal comparison. Quoting even small variations in coverage limits could mean much higher rates. And when comparison shopping, more quotes will improve the odds of getting better pricing.

These discounts can lower your auto insurance rates

Some companies don’t always advertise every policy discount very clearly, so here is a list a few of the more well known and also the more inconspicuous credits that may apply to you. If you’re not getting every credit you deserve, you are just wasting money.

  • Data Collection Discounts – Insureds who allow driving data submission to scrutinize when and where they use their vehicle by using a telematics device such as In-Drive from State Farm or Allstate’s Drivewise system could see a rate decrease as long as the data is positive.
  • Discount for Home Ownership – Simply owning a home can save a few bucks because owning a home means you have a higher level of financial diligence.
  • Defensive Driver Discount – Successfully completing a class that teaches defensive driver techniques could earn you a small percentage discount if your company offers it.
  • No Claims – Claim-free drivers can save substantially as compared to drivers who are more careless.
  • Low Mileage – Low annual miles could qualify for slightly better auto insurance rates than normal.
  • Life Insurance – Companies who offer life insurance give a discount if you purchase a life insurance policy as well.
  • Discounts for Cautious Drivers – Drivers who don’t get into accidents can get discounts for up to 45% lower rates for Sienna insurance compared to rates paid by drivers with frequent claims.
  • Anti-lock Brake Discount – Cars with anti-lock braking systems prevent accidents so companies give up to a 10% discount.
  • Discount for Switching Early – A few larger companies allow discounts for switching policies early. This can save 10% or more.

One thing to note about discounts is that most discount credits are not given to the whole policy. Some only apply to specific coverage prices like liability and collision coverage. So despite the fact that it appears it’s possible to get free car insurance, you aren’t that lucky. Any amount of discount will reduce your premiums.

To see companies who offer online auto insurance quotes, enter your zip code here.

Different people need different insurance coverages

When choosing proper insurance coverage for your personal vehicles, there really is no one size fits all plan. Each situation is unique and a cookie cutter policy won’t apply. For example, these questions can aid in determining if your situation could use an agent’s help.

  • Do all my vehicles need collision coverage?
  • Am I covered when driving in Canada or Mexico?
  • Can my teen driver be rated on a liability-only vehicle?
  • Do I have newly-acquired coverage?
  • Do I need more liability coverage?
  • Is other people’s property covered if stolen from my vehicle?
  • Does my 2019 Toyota Sienna qualify for pleasure use?
  • What are the best liability limits?
  • What if I total my 2019 Toyota Sienna and owe more than it’s worth?

If you’re not sure about those questions, then you may want to think about talking to an insurance agent. To find lower rates from a local agent, fill out your zip code.

Parts of your insurance policy

Understanding the coverages of your insurance policy can be of help when determining the right coverages and proper limits and deductibles. Policy terminology can be impossible to understand and nobody wants to actually read their policy. Shown next are the usual coverages available from insurance companies.

Comprehensive auto coverage

This pays to fix your vehicle from damage that is not covered by collision coverage. You need to pay your deductible first and then insurance will cover the rest of the damage.

Comprehensive coverage protects against things such as hail damage, falling objects, theft, fire damage and hitting a deer. The maximum amount you can receive from a comprehensive claim is the ACV or actual cash value, so if the vehicle’s value is low consider dropping full coverage.

Medical payments and PIP coverage

Med pay and PIP coverage pay for bills for things like X-ray expenses, EMT expenses and dental work. They are often used to cover expenses not covered by your health insurance policy or if you are not covered by health insurance. Medical payments and PIP cover both the driver and occupants and will also cover if you are hit as a while walking down the street. Personal Injury Protection is only offered in select states but can be used in place of medical payments coverage


This coverage provides protection from damages or injuries you inflict on other people or property. It protects YOU from legal claims by others, and doesn’t cover damage sustained by your vehicle in an accident.

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 values of 100/300/100 which means $100,000 bodily injury coverage, a per accident bodily injury limit of $300,000, and a total limit of $100,000 for damage to vehicles and property.

Liability coverage protects against things like pain and suffering, structural damage and attorney fees. How much liability coverage do you need? That is your choice, but buy as high a limit as you can afford.

UM/UIM (Uninsured/Underinsured Motorist) coverage

Uninsured or Underinsured Motorist coverage protects you and your vehicle from other drivers when they are uninsured or don’t have enough coverage. It can pay for injuries to you and your family as well as your vehicle’s damage.

Due to the fact that many drivers only carry the minimum required liability limits, their limits can quickly be used up. That’s why carrying high Uninsured/Underinsured Motorist coverage should not be overlooked.

Collision insurance

Collision coverage will pay to fix damage to your Sienna caused by collision with an object or car. You first must pay a deductible and the rest of the damage will be paid by collision coverage.

Collision coverage pays for things like hitting a parking meter, backing into a parked car, hitting a mailbox and crashing into a building. This coverage can be expensive, so analyze the benefit of dropping coverage from vehicles that are older. Another option is to choose a higher deductible to bring the cost down.

A tidy conclusion

We covered a lot of techniques to compare 2019 Toyota Sienna insurance rates online. The key thing to remember is the more quotes you get, the better your comparison will be. You may even find the lowest rates come from a small local company. Regional companies may have significantly lower car insurance rates on certain market segments than the large multi-state companies such as State Farm and Allstate.

Cheaper 2019 Toyota Sienna insurance can be bought online and from local agencies, so you need to shop auto insurance with both to have the best chance of lowering rates. Some companies do not offer rate quotes online and many times these regional carriers sell through local independent agents.

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