1996 Toyota Camry Car Insurance Quotes

Finding cheaper coverage rates for insurance is always quite difficult for drivers new to quoting and comparing prices online. With such a large choice of companies, it can easily be a lot of work to locate the lowest coverage rates.

If you currently have car insurance, you will most likely be able to cut costs considerably using these tips. This information will help educate you on how to effectively get price quotes and some money-saving tips. Nevertheless, drivers can benefit from knowing how big insurance companies determine prices because it can help you find the best coverage.

How to buy insurance coverage online

There are several ways to compare insurance coverage quotes, but there is one way that is less time-consuming than others. You could spend the better part of a day discussing policy coverages with local insurance agents in your area, or you can utilize online quotes to get rate comparisons in just a few minutes.

Many popular insurance companies participate in an industry program where prospective buyers only type in their quote data once, and every company returns a rated price based on the submitted data. This eliminates the need for quote forms to each company. To get comparison pricing now click here (opens in new window).

The one disadvantage to pricing coverage this way is you can’t choose which insurance companies you will receive quotes from. So if you want to choose specific providers to compare, we have a listing of low cost insurance coverage companies in your area. Click here for list of insurance companies.

Take whichever approach you prefer, but make sure you compare the exact same quote information for every quote you compare. If you use different coverage information it will be next to impossible to make an equal comparison. Having just a slight variation in insurance coverages or limits may result in large price differences. Just keep in mind that comparing a large number of companies gives you a better chance of getting lower pricing. Some insurance companies are not set up to provide online quotes, so you should also compare rates from them as well.

Lower rate quotes by applying these nine discounts

Auto insurance is easily one of your largest bills, but you might be missing out on some discounts to help offset the cost. Larger premium reductions will be automatically applied when you purchase, but a few must be asked for in order for you to get them.

Good Student Discount – Being a good student may save as much as 25% on a auto insurance quote. This discount can apply up until you turn 25.
Bundled Policy Discount – When you combine your home and auto insurance with the same company they may give you a discount of 10% to 20% off each policy.
Drive Safe and Save – Safe drivers can pay as much as 50% less for Camry coverage compared to accident prone drivers.
Use Seat Belts – Requiring all passengers to buckle up can save a little off the personal injury premium cost.
Onboard Data Collection – Insureds that choose to allow data collection to scrutinize driving patterns by using a small device installed in their vehicle like Drivewise from Allstate or In-Drive from State Farm could see a rate decrease if they are good drivers.
Clubs and Organizations – Being in a civic or occupational organization could earn you a nice discount on your next renewal.
Discount for Home Ownership – Owning your own home or condo can get you a discount because of the fact that having a home requires personal responsibility.
Theft Prevention System – Cars and trucks that have factory anti-theft systems are stolen less frequently and will save you 10% or more.
ABS Brakes – Cars and trucks with ABS and/or traction control prevent accidents and will save you 10% or more.

Policy discounts save money, but most credits do not apply to the entire policy premium. The majority will only reduce specific coverage prices like medical payments or collision. So even though you would think it’s possible to get free car insurance, that’s just not realistic.

To see providers that offer the discounts shown above, follow this link.

Your insurance coverage should be tailored to you

When it comes to buying the best insurance coverage, there isn’t really a single plan that fits everyone. Coverage needs to be tailored to your specific needs.

Here are some questions about coverages that might point out whether your personal situation might need professional guidance.

How much underlying liability do I need for an umbrella policy?
Are there companies who specialize in insuring high-risk drivers?
Is my ex-spouse still covered by my policy?
Should I waive the damage coverage when renting a car?
Is my 1996 Toyota Camry covered for flood damage?
What is the rate difference between pleasure use and commuting?

If you can’t answer these questions but a few of them apply then you might want to talk to an agent. To find an agent in your area, take a second and complete this form.

Detailed coverages of your car insurance policy

Knowing the specifics of a car insurance policy helps when choosing appropriate coverage at the best deductibles and correct limits. The terms used in a policy can be ambiguous and even agents have difficulty translating policy wording.

Liability

This can cover injuries or damage you cause to other’s property or people by causing an accident. This insurance protects YOU against claims from other people, and does not provide coverage for your injuries or vehicle damage.

Liability coverage has three limits: per person bodily injury, per accident bodily injury, and a property damage limit. Your policy might show limits of 100/300/100 that means you have a limit of $100,000 per injured person, $300,000 for the entire accident, and a total limit of $100,000 for damage to vehicles and property. Alternatively, you may have a combined limit which provides one coverage limit with no separate limits for injury or property damage.

Liability can pay for things such as repair costs for stationary objects, medical services, medical expenses and legal defense fees. The amount of liability coverage you purchase is your choice, but you should buy as much as you can afford.

Coverage for medical expenses

Medical payments and Personal Injury Protection insurance kick in for bills like chiropractic care, X-ray expenses, rehabilitation expenses, pain medications and EMT expenses. They can be utilized in addition to your health insurance program or if there is no health insurance coverage. Coverage applies to not only the driver but also the vehicle occupants and will also cover if you are hit as a while walking down the street. Personal injury protection coverage is not universally available but it provides additional coverages not offered by medical payments coverage

Comprehensive car insurance

Comprehensive insurance covers damage caused by mother nature, theft, vandalism and other events. You need to pay your deductible first then your comprehensive coverage will pay.

Comprehensive can pay for claims such as hitting a deer, vandalism and damage from flooding. The most a car insurance company will pay at claim time is the actual cash value, so if your deductible is as high as the vehicle’s value it’s not worth carrying full coverage.

Coverage for uninsured or underinsured drivers

Your UM/UIM coverage protects you and your vehicle when other motorists do not carry enough liability coverage. This coverage pays for hospital bills for your injuries as well as damage to your Toyota Camry.

Since many drivers carry very low liability coverage limits, it doesn’t take a major accident to exceed their coverage limits. This is the reason having UM/UIM coverage should not be overlooked. Most of the time your uninsured/underinsured motorist coverages do not exceed the liability coverage limits.

Collision coverage

This will pay to fix damage to your Camry from colliding with an object or car. A deductible applies then the remaining damage will be paid by your insurance company.

Collision coverage pays for things such as backing into a parked car, scraping a guard rail, crashing into a ditch, hitting a mailbox and rolling your car. This coverage can be expensive, so consider dropping it from lower value vehicles. Another option is to choose a higher deductible to save money on collision insurance.

1996 Toyota Camry Car Insurance Quotes – 9 Tips for Best Rates