1998 Toyota Camry Insurance Quotes – 9 Policy Discounts

Looking for the cheapest insurance rates for your Toyota Camry? Finding low cost rates for insurance can seem to be difficult for drivers who have little experience comparison shopping online. With dozens of online companies available, it can turn into a difficult challenge to locate the lowest rates.

Shopping for the lowest cost protection is easy if you know what you’re doing. In a nutshell, everyone who shops for auto insurance will most likely be able to find better rates. Although car owners do need to understand how companies sell insurance online and take advantage of how the system works.

How to get free car insurance quotes online

Shopping for lower car insurance rates can be a lot of work if you aren’t aware of the easiest way. You could waste time discussing policy coverages with agents in your area, or you could use online quotes to get the quickest rates.

Many of the larger companies enroll in a system that allows shoppers to only type in their quote data once, and at least one company provides a quote determined by their information. This prevents consumers from doing repetitive form submissions for every car insurance company.

To find out what other companies charge click to open in new window.

The one disadvantage to using this type of system is you can’t choose the insurers to get pricing from. So if you want to choose specific providers to compare prices, we have a listing of car insurance companies in your area. View list of insurance companies.

The method you choose is up to you, but make sure you are using the exact same coverages and limits for each quote you get. If you enter different liability limits it will be very difficult to determine the lowest rate for your Toyota Camry. Just slight variations in coverage limits may result in a large different in cost. And when price shopping your coverage, comparing more rates from different companies helps you find the best offered rates.

Auto insurance policy discounts

Car insurance can cost a lot, but you might find some hidden discounts that could drop your premiums quite a bit. Certain reductions will be credited at the time of purchase, but some need to be asked for before they will apply. If they aren’t giving you every credit possible, you could be getting lower rates.

  • Switch and Save Discount – A few larger companies give discounts for switching policies before your current policy expires. Ten percent is about the average savings.
  • Low Mileage Discounts – Low annual miles can qualify you for cheaper rates.
  • Multiple Policy Discount – If you combine your homeowners and auto policies and insure them with the same company you could get a discount of up to 20% and get you low cost insurance coverage.
  • College Student Discount – College-age children who live away from home to go to college and don’t have a car could get you a discount.
  • Claim Free – Insureds with no claims or accidents have much lower rates when compared to drivers who are more careless.
  • Seat Belts Save – Buckling up and requiring all passengers to buckle up before driving can save up to 10 percent (depending on the company) off the PIP or medical payment premium.
  • Student Discount for Driver Training – Require your teen driver to sucessfully take a drivers education course if offered at their school.
  • Online Discount – Certain auto insurance companies will provide an incentive for signing up digitally online.
  • Passive Restraints – Vehicles with factory air bags or automatic seat belts could see savings of 20 to 30 percent.

A little note about advertised discounts, some of the credits will not apply to the entire policy premium. Most cut specific coverage prices like comprehensive or collision. Even though it appears adding up those discounts means a free policy, you aren’t that lucky.

Companies that have these benefits are:

When getting free insurance coverage quotes, it’s a good idea to each company how you can save money. A few discounts might not be offered on policies in your state. If you would like to choose from a list of providers that offer many of these discounts, click here.

How do I know if I need professional advice?

When buying the right insurance coverage for your vehicles, there isn’t really a “best” method to buy coverage. Everyone’s situation is unique.

These are some specific questions might help in determining whether you might need an agent’s assistance.

  • How much liability insurance is required?
  • Should I buy only the required minimum liability coverage?
  • Do I have coverage when pulling a U-Haul trailer?
  • Am I covered if I drive in a foreign country?
  • How do I insure my teen driver?
  • Can my babysitter drive my car?
  • Is upholstery damage covered by car insurance?
  • Does having multiple vehicles earn me a discount?

If it’s difficult to answer those questions but one or more may apply to you then you might want to talk to a licensed insurance agent. If you don’t have a local agent, take a second and complete this form.

Auto insurance policy specifics

Having a good grasp of your policy can be of help when determining the best coverages for your vehicles. The terms used in a policy can be difficult to understand and coverage can change by endorsement.

Collision – Collision insurance covers damage to your Camry from colliding with an object or car. You will need to pay your deductible then your collision coverage will kick in.

Collision can pay for claims such as driving through your garage door, sustaining damage from a pot hole, rolling your car, crashing into a ditch and crashing into a building. Collision coverage makes up a good portion of your premium, so consider dropping it from lower value vehicles. It’s also possible to raise the deductible to bring the cost down.

Comprehensive coverage (or Other than Collision) – Comprehensive insurance pays to fix your vehicle from damage caused by mother nature, theft, vandalism and other events. A deductible will apply then the remaining damage will be covered by your comprehensive coverage.

Comprehensive insurance covers claims such as hitting a deer, hitting a bird, a broken windshield and vandalism. The maximum payout your auto insurance company will pay is the ACV or actual cash value, so if the vehicle’s value is low consider dropping full coverage.

Uninsured Motorist or Underinsured Motorist insurance – This coverage gives you protection from other motorists when they either are underinsured or have no liability coverage at all. It can pay for medical payments for you and your occupants as well as damage to your Toyota Camry.

Since a lot of drivers only purchase the least amount of liability that is required, their liability coverage can quickly be exhausted. That’s why carrying high Uninsured/Underinsured Motorist coverage is very important. Usually these limits are identical to your policy’s liability coverage.

Insurance for medical payments – Coverage for medical payments and/or PIP kick in for bills for surgery, pain medications, chiropractic care, ambulance fees and hospital visits. The coverages can be utilized in addition to your health insurance plan or if you do not have health 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. PIP is only offered in select states and may carry a deductible

Liability auto insurance – Liability insurance will cover injuries or damage you cause to other’s property or people that is your fault. Coverage consists of three different limits, per person bodily injury, per accident bodily injury, and a property damage limit. You commonly see values of 100/300/100 that translate to a limit of $100,000 per injured person, a per accident bodily injury limit of $300,000, and property damage coverage for $100,000. Another option is one limit called combined single limit (CSL) which provides one coverage limit rather than limiting it on a per person basis.

Liability insurance covers things like legal defense fees, court costs, medical services and repair costs for stationary objects. The amount of liability coverage you purchase is a decision to put some thought into, but consider buying higher limits if possible.

Final considerations

Cheap 1998 Toyota Camry insurance can be bought both online as well as from insurance agents, so you need to quote insurance coverage with both to have the best selection. There are still a few companies who don’t offer the ability to get quotes online and many times these small, regional companies provide coverage only through independent agents.

Insureds change insurance companies for any number of reasons including delays in responding to claim requests, questionable increases in premium, delays in paying claims or policy cancellation. Whatever your reason, finding a new insurance company is pretty easy and you might even save some money in the process.

In this article, we presented some good ideas how you can lower your 1998 Toyota Camry insurance rates. The key thing to remember is the more quotes you get, the higher the chance of saving money. Consumers could even find that the lowest rates are with some of the smallest insurance companies.

Additional insurance information can be read at the links below