Feeling guilty for buying overpriced Toyota Yaris insurance in St. Louis? Say no more because many St. Louis consumers feel financially strained by their auto insurance policy.

Discount Toyota Yaris insuranceIt's amazing but nearly 70% of Missouri drivers have bought auto insurance from the same company for over three years, and approximately 40% of consumers have never shopped around. Many drivers in America can cut their rates by roughly 46.5% a year, but they mistakenly think it's difficult to do a rate comparison.

Companies like State Farm, GEICO and Farmers Insurance all promote huge savings with ads and it can be hard to ignore the flying pigs and cute green geckos and do the work needed to find the best deal.

It's a good habit to compare rates once or twice a year because rates are adjusted regularly by insurance companies. Just because you had the lowest premium rates on Toyota Yaris insurance in St. Louis two years ago you will most likely find a better price today. Ignore everything you know about auto insurance because you're going to get a crash course in one of the quickest ways to lower your annual insurance bill.

If you have a policy now, you will most likely be able to cut your premiums using the techniques covered below. Buying the cheapest auto insurance in St. Louis is not rocket science. Although Missouri consumers need to have an understanding of the way insurance companies determine how much to charge and use it to find better rates.

Most larger insurance companies allow you to get coverage prices directly from their websites. Doing online quotes for Toyota Yaris insurance in St. Louis is very simple as all you need to do is type in the amount of coverage you want into the quote form. When the form is submitted, the quote system automatically orders reports for credit and driving violations and provides a quote. Getting online rate quotes for Toyota Yaris insurance in St. Louis streamlines rate comparisons, and it's also necessary to perform this step in order to get cheaper rates.

If you want to get comparison pricing now, compare rates from the companies below. If you have a policy now, it's recommended you input the limits and deductibles identical to your current policy. Using the same limits helps guarantee you will have rate quotes based on the exact same insurance coverage.

The companies shown below are our best choices to provide price comparisons in Missouri. If more than one company is shown, we recommend you visit as many as you can in order to find the cheapest rates.

Toyota Yaris Insurance Price Estimates in St. Louis, MO
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Yaris 2-Dr Hatchback $132 $258 $310 $18 $92 $810 $68
Yaris 4-Dr Hatchback $146 $280 $266 $16 $80 $788 $66
Yaris 4-Dr Sedan $194 $406 $272 $16 $82 $970 $81
Yaris S 2-Dr Hatchback $202 $398 $364 $22 $110 $1,096 $91
Yaris S 4-Dr Hatchback $110 $214 $302 $18 $90 $734 $61
Yaris S 4-Dr Sedan $176 $340 $280 $16 $84 $896 $75
Get Your Own Custom Quote Go

Data based on married female driver age 40, no speeding tickets, no at-fault accidents, $250 deductibles, and Missouri minimum liability limits. Discounts applied include claim-free, homeowner, multi-vehicle, safe-driver, and multi-policy. Rates do not factor in specific location which can raise or lower prices noticeably.

Choosing deductibles

One common question asked by St. Louis drivers is where to set your physical damage deductibles. The figures shown below can help show the rate fluctuation when you buy lower versus higher policy deductibles. The first rate table uses a $250 deductible and the second price chart uses a $1,000 deductible.

Toyota Yaris insurance rates with $250 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Yaris 2-Dr Hatchback $180 $346 $302 $18 $90 $961 $80
Yaris 4-Dr Hatchback $180 $346 $266 $16 $80 $913 $76
Yaris 4-Dr Sedan $180 $346 $266 $16 $80 $913 $76
Yaris S 2-Dr Hatchback $206 $346 $302 $18 $90 $987 $82
Yaris S 4-Dr Hatchback $206 $346 $266 $16 $80 $939 $78
Yaris S 4-Dr Sedan $206 $346 $266 $16 $80 $939 $78
Get Your Own Custom Quote Go
Toyota Yaris insurance rates with $1,000 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Yaris 2-Dr Hatchback $110 $218 $302 $18 $90 $738 $62
Yaris 4-Dr Hatchback $110 $218 $266 $16 $80 $690 $58
Yaris 4-Dr Sedan $110 $218 $266 $16 $80 $690 $58
Yaris S 2-Dr Hatchback $128 $218 $302 $18 $90 $756 $63
Yaris S 4-Dr Hatchback $128 $218 $266 $16 $80 $708 $59
Yaris S 4-Dr Sedan $128 $218 $266 $16 $80 $708 $59
Get Your Own Custom Quote Go

Prices based on married male driver age 30, no speeding tickets, no at-fault accidents, and Missouri minimum liability limits. Discounts applied include homeowner, multi-policy, safe-driver, claim-free, and multi-vehicle. Rates do not factor in garaging location in St. Louis which can raise or lower auto insurance rates considerably.

Based on the data above, we can derive that using a $250 deductible will cost you about $18 more each month or $216 every year than requesting the higher $1,000 deductible. Since the policyholder would be required to pay $750 more out of your own pocket with a $1,000 deductible as compared to a $250 deductible, if you tend to have more than 42 months between claim filings, you would most likely save money if you decide on a higher deductible. The numbers below show the way you can come to your own conclusion.

Average monthly premium for $250 deductibles: $78
Average monthly premium for $1,000 deductibles (subtract): - $60
Monthly savings from raising deductible: $18
Difference between deductibles ($1,000 - $250): $750
Divide difference by monthly savings: $750 / $18
Number of months required between physical damage coverage claims in order to save money by choosing the higher deductible 42 months

One important caveat is that increasing deductibles to save money means you will have to pay more when you do file a claim. That will require enough extra money in the event you have to pay more for the deductible.

Irresponsible driving raises your rates

The diagram below highlights how speeding tickets and at-fault accidents can impact Toyota Yaris insurance costs for each different age group. The rates are based on a married male driver, full physical damage coverage, $100 deductibles, and no discounts are applied to the premium.

Policy deductibles

The diagram below shows how choosing a deductible and can affect Toyota Yaris insurance prices for different age groups. The rate quotes are based on a married female driver, full physical damage coverage, and no discounts are applied to the premium.

These discounts can lower your auto insurance quotes

Some companies don't necessarily list their entire list of discounts in an easy-to-find place, so the following list contains both the well known and the more hidden savings tricks you should be using when you buy St. Louis car insurance online. If you check and find you aren't receiving every discount you qualify for, you are not getting the best rate possible.Cheaper auto insurance with discounts

Don't be surprised that some of the credits will not apply to the entire cost. Most only apply to the price of certain insurance coverages like physical damage coverage or medical payments. Even though the math looks like it's possible to get free car insurance, you won't be that lucky.

Some of the insurance companies that possibly offer most of the discounts above are:

If you are trying to find low cost St. Louis car insurance quotes, ask every insurance company which discounts you may be entitled to. Some credits may not be offered in every state. To find companies that have a full spectrum of discounts in Missouri, click here to view.

Compare prices but still have a local neighborhood St. Louis car insurance agent

A lot of people would rather get advice from a local agent and that is a personal choice. One of the best bonuses of comparing auto insurance online is the fact that you can find cheap auto insurance rates and still have a local agent. Buying from local insurance agents is still important in St. Louis.

Insurance agency in St. LouisTo help locate an agent, after submitting this simple form, your coverage information is sent to agents in your area who will give you quotes and help you find cheaper coverage. There is no reason to even leave your home since rate quotes are delivered to your email. You can most likely find cheaper rates without requiring a lot of work. If you wish to compare prices from a particular provider, just find their quoting web page and fill out the quote form the provide.

When narrowing the list to find a reliable insurance agent, it's important to understand the types of insurance agents and how they can write your policy. Auto insurance agents can be classified as either independent or exclusive.

Independent Insurance Agents

These type of agents are not limited to a single company so they can write business amongst many companies and possibly get better coverage at lower prices. If your premiums go up, your agent can just switch to a different company and that require little work on your part. If you are comparing rate quotes, it's a good idea to compare prices from multiple independent agents for maximum quote selection.

Shown below is a small list of independent agencies in St. Louis that may be able to give price quotes.

4615 S Lindbergh Blvd - St. Louis, MO 63127 - (314) 690-5891 - View Map

5516 Telegraph Rd - St. Louis, MO 63129 - (314) 894-1313 - View Map

3611 Juniata St - St. Louis, MO 63116 - (314) 802-8841 - View Map

View more agents

Exclusive Agents

These type of agents generally can only insure with one company such as Allstate, Farmers Insurance or State Farm. They usually cannot provide prices from multiple companies so they have no alternatives for high prices. They are well trained on their company's products which can be an advantage.

Shown below is a short list of exclusive insurance agents in St. Louis that can give you price quote information.

4515 Lemay Ferry Rd - St. Louis, MO 63129 - (314) 894-6000 - View Map

7727 Clayton Road - St. Louis, MO 63117 - (314) 726-6300 - View Map

3501 Watson Rd - St. Louis, MO 63139 - (314) 832-2755 - View Map

View more agents

Finding a good insurance agency should depend on more than just the price. Any good agent in St. Louis should know the answers to these questions.

You may need specialized auto insurance coverage

When it comes to buying coverage online or from an agent, there really isn't a one-size-fits-all type of policy. Your needs are not the same as everyone else's and your auto insurance should be unique as well.Auto insurance savings For example, these questions might point out if you could use an agent's help.

If you can't answer these questions but you know they apply to you, then you may want to think about talking to a licensed insurance agent. If you don't have a local agent, simply complete this short form or you can go here for a list of companies in your area.

Why You Might Pay Lower Rates in St. Louis

One of the most helpful ways to save on insurance is to to have a grasp of some of the elements that come into play when calculating the price you pay for insurance. If you understand what influences your rates, this enables you to make decisions that can earn you lower premium levels. Lots of factors are used in the calculation when quoting car insurance. A few of the factors are predictable like an MVR report, although some other factors are not as apparent like your continuous coverage or your commute time.

Shown below are some of the factors used by companies to determine rates.

Three good reasons to insure your vehicle

Even though it's not necessarily cheap to insure a Toyota in St. Louis, insurance serves several important purposes.

First, most states have mandatory liability insurance requirements which means state laws require a specific minimum amount of liability insurance coverage in order to drive the car. In Missouri these limits are 25/50/10 which means you must have $25,000 of bodily injury coverage per person, $50,000 of bodily injury coverage per accident, and $10,000 of property damage coverage.

Second, if you took out a loan on your car, it's guaranteed your bank will make it mandatory that you have physical damage coverage to guarantee their interest in the vehicle. If the policy lapses, the bank or lender will purchase a policy for your Toyota at a much higher rate and force you to reimburse them the higher premium.

Third, insurance protects your Toyota and your assets. Insurance will pay for medical bills for both you and anyone you injure as the result of an accident. Liability insurance also pays expenses related to your legal defense in the event you are sued. If your vehicle suffers damage from an accident or hail, comprehensive (other-than-collision) and collision coverage will pay to restore your vehicle to like-new condition.

The benefits of buying insurance definitely exceed the cost, specifically if you ever have a liability claim. On average, a vehicle owner in St. Louis is currently overpaying as much as $850 per year so shop around at every renewal to make sure the price is not too high.

Find cheap rates by being thorough

While you're price shopping online, never buy poor coverage just to save money. There are too many instances where an accident victim reduced liability coverage limits only to find out they didn't have enough coverage. The proper strategy is to purchase a proper amount of coverage for the lowest price, not the least amount of coverage.

Budget-conscious Toyota Yaris insurance can be bought both online in addition to local insurance agencies, and you should compare rates from both to have the best rate selection. Some insurance providers may not offer online price quotes and usually these smaller providers prefer to sell through independent insurance agents.

Additional detailed information can be read at these sites: