Compare Toyota Yaris Car Insurance

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The Yaris is Toyota's supermini which was launched in 1999, replacing their previous compact models, the Starlet and Tercel and has sometimes been known as the Toyota Echo. The latest version is the third generation, which is both stylish and sporty. It's also practical, with five doors and low running costs. It's also the only supermini that you can get as a hybrid with great performance, but even the petrol version offers a good mpg.

What does it Cost to Insure a Toyota Yaris?

The Yaris usually comes in insurance groups from three to twelve, although which group your vehicle fits in will depend on the model. Insurance costs aren't just based on the car, however, and your age, address and previous driving record will also have an impact.

How can I save money on my car insurance?

Make sure that your insurer is aware of any extra safety features that you have on your Yaris, for example, the Toyota Safety Sense as these may reduce the costs. Tracking systems or immobilisers are also worth mentioning.

Choosing an insurance company that will give you a telematics system is another way to lower costs. Also known as 'black box' insurance, you fit a small device to your car which encourages safer driving and will report back to your insurance company about how well you drive.

Of course, it's always worth shopping around as you get towards your renewal date, comparing the prices from different providers. If you get a better quote from a new provider it can sometimes be worth going back to your current insurer to see if they can beat it to keep your business.

Another way to save money is to pay for your car insurance up-front rather than choosing monthly repayments. Although it does mean one big payment, you can save a significant amount by paying this way.

Ensure that you have the right level of cover as well, as this can have a major impact on the cost. Third-party insurance is the minimum you must have in the UK and usually (but not always) the cheapest option. You can add 'fire and theft' to protect you from fire damage, theft or an attempt to steal your car for an additional cost, while fully comprehensive offers the most protection.

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Why Should You Compare Toyota Yaris Car Insurance?

Shopping around for Toyota Yaris insurance isn't just a good idea—it's essential. Here's why:

  • Save on Premiums: You could pocket hundreds of pounds annually by finding the most cost-effective options.
  • Comprehensive Coverage: Ensure you're fully protected against all eventualities.
  • Exclusive Deals: Uncover special offers and discounts that aren't widely advertised.
  • Peace of Mind: Secure the best policy tailored to your specific needs and driving habits.

Tip: Set a reminder to compare prices annually, as insurers often reserve their best deals for new customers.

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How Can You Save on Toyota Yaris Car Insurance?

Keeping your Toyota Yaris insurance costs down doesn't have to be a challenge. Try these strategies:

  1. Increase Excess: Opting for a higher voluntary excess can significantly lower your premiums. Just ensure it's an amount you can afford if you need to claim.
  2. Bundle Policies: Combine your car and home insurance with the same provider. Many offer substantial discounts for multi-policy holders.
  3. Utilise Discounts: Look out for no-claims bonuses and safe driver discounts. Some insurers offer up to 75% off for five or more claim-free years.
  4. Compare Regularly: Use comparison sites annually to find the best deal. The insurance market is competitive, and prices fluctuate.

Fact: According to the Association of British Insurers, the average car insurance premium in the UK in 2022 was £471.

What Factors Affect Toyota Yaris Insurance Rates

What Factors Affect Toyota Yaris Insurance Rates?

Several key elements influence your Toyota Yaris insurance premiums:

  • Driver's Age and Experience: Younger and inexperienced drivers typically face higher premiums due to increased risk.
  • Vehicle Usage: Higher annual mileage can bump up your insurance costs as it increases the likelihood of accidents.
  • Location: Urban areas often see higher rates due to increased risks of theft and accidents.
  • Safety Features: The Toyota Yaris's advanced safety systems, like Pre-Collision System, can help reduce insurance costs.

How Do Toyota Insurance Groups Impact Toyota Yaris Insurance?

Understanding Toyota insurance groups is crucial when insuring your Yaris:

  • Insurance Groups Explained: Cars are categorised into groups 1-50, with 1 being the cheapest to insure.
  • Yaris Group Ratings: Most Toyota Yaris models fall between groups 2 and 15, depending on the specific version.
  • Impact on Costs: Generally, the lower the insurance group, the lower your premiums will be.

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What Optional Insurance Add-ons Are Available for Toyota Yaris?

Enhance your Toyota Yaris insurance with these popular add-ons:

  1. Windscreen Cover: Protects against windscreen damage, often with a lower excess.
  2. Breakdown Assistance: Provides roadside help and recovery services.
  3. Key Replacement: Covers the cost of replacing lost or stolen keys, which can be expensive for modern cars.
  4. Legal Protection: Helps with legal costs after an accident that wasn't your fault.

Understanding Different Types of Insurance for Toyota Yaris

Choose from these main types of car insurance for your Toyota Yaris:

  1. Third-Party Only: The legal minimum, covering damage to other people's property and injuries to other people.
  2. Third-Party, Fire & Theft: Adds protection for your Yaris against fire damage and theft.
  3. Comprehensive Insurance: The most extensive cover, protecting your car, yourself, and others in an accident.
  4. Telematics Insurance: Pay-as-you-drive policies based on your actual driving habits, often beneficial for younger drivers.
Understanding Different Types of Insurance for Toyota Yaris

Why is a Car Insurance Group Checker Important?

A car insurance group checker can be a valuable tool when insuring your Toyota Yaris:

  • Check Your Model: Easily find out which insurance group your specific Yaris model falls into.
  • Compare Groups: Understand how different Yaris models and trims affect insurance costs.
  • Make Informed Decisions: Choose models with lower insurance groups for potential savings on premiums.

What Are the Average Insurance Costs for a Toyota Yaris?

While individual circumstances vary, here's a general idea of Toyota Yaris insurance costs:

  • Average Premiums: Typically range from £300 to £800 annually for experienced drivers.
  • Influencing Factors: Age, location, and driving history significantly impact these costs.
  • Comparison with Other Models: The Yaris often proves cheaper to insure than many competitors due to its good safety ratings and reliability.

Fact: The Toyota Yaris was named European Car of the Year 2021, partly due to its impressive safety features, which can positively impact insurance premiums.

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What Are the Optional Insurance Add-ons for Toyota Yaris

What Are the Optional Insurance Add-ons for Toyota Yaris?

Optional insurance add-ons for Toyota Yaris include breakdown cover, windscreen repair, and legal protection. These add-ons provide extra peace of mind and can be tailored to suit your needs, ensuring comprehensive coverage and minimising out-of-pocket expenses in case of incidents.

Frequently Asked Questions About Toyota Yaris Insurance

Comprehensive cover is often recommended for the best protection, but compare quotes for all types to find the best value.

Features like Lane Departure Alert and Pre-Collision System can lead to lower premiums. Always mention these when getting quotes.

While challenging, options like telematics policies or adding an experienced named driver can help reduce costs for young drivers.

Breakdown cover and key replacement are popular choices, but assess your personal needs and budget when selecting add-ons.

It's advisable to compare quotes annually before your policy renewal to ensure you're still getting the best deal.

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Page last updated on: 03/07/2024

Page reviewed by: Shay Ramani

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