View 1999 Toyota Camry Solara Car Insurance Quotes

Searching for cheaper auto insurance rates for your Toyota Camry Solara? No car owner is fond of buying auto insurance, especially when they are aware that the cost is too high.

Companies like Progressive, GEICO and Farmers Insurance continually bombard you with TV and radio ads and consumers find it hard to avoid their marketing magic and do the work needed to find the best deal.

You should make it a habit to do price comparisons yearly since rates change regularly. Just because you had the best rate on Camry Solara insurance two years ago you can probably find a lower rate today. Ignore everything you know about auto insurance because you’re going to get a crash course in the fastest way to remove unneeded coverages and save money.

If you currently have a car insurance policy, you should be able to reduce your rates substantially using these techniques. Buying car insurance is not that difficult. But car owners can benefit from knowing the way insurance companies determine prices and apply this information to your search.

Quote insurance online

The majority of larger companies give pricing direct online. Getting quotes is quite easy as you simply type in your required coverages on the page. After you submit the form the company’s rating system gets your credit score and driving record and returns a price determined by many factors. Online price estimates makes comparing rates easy, but the process of having to visit multiple sites and type in the same data gets old quite quickly. Unfortunately, it is important to do this if you want to find the lowest price.

The easiest way to find better insurance pricing makes use of a single form that gets prices from a lot of companies. It’s a real time-saver, reduces the work, and makes price shopping online much more efficient. Immediately after you send the form, it is rated and you can choose your choice of the quotes that you receive. If you find a better price you can click and sign and purchase the new policy. It takes less than 15 minutes and could lower your rates considerably.

To get comparison pricing now, click here to open in new window and enter your vehicle and coverage information. If you have your current policy handy, we recommend you duplicate the insurance coverages as shown on your current policy. Doing this assures you will get rate comparison quotes for the exact same coverage.

Save $396 a year. For real?

Companies like GEICO, State Farm and Progressive constantly bombard you with television, radio, and online ads. All the ads make an identical promise that drivers can save some big amount if you change to them. That’s great but how can every company offer drivers better rates? It’s all in the wording.

Car insurance companies quote their cheapest rates for a prospective insured that earns them the highest profit. An example of a preferred risk should be a mature driver, carries full coverage, and drives less than 5,000 miles a year. Any person that hits that “sweet spot” will get a cheap rate quote and will most likely save quite a bit of money when switching.

Drivers who may not quite match the requirements may receive a higher rate and this results in the customer not purchasing. If you pay close attention to the ads, they say “customers who switch” not “all people who quote” save that much when switching. That’s why insurance companies can make it sound like they have such great premium rates. Each company has different criteria, so it is so important to get a wide range of price quotes. It’s just too difficult to predict the company that will be your best fit.

Do you qualify for discount auto insurance?

Properly insuring your vehicles can get expensive, but there could be significant discounts to reduce the price significantly. Certain discounts will be applied when you complete an application, but once in a while a discount must be asked for before being credited.

  • Drive Less and Save – Low mileage vehicles could qualify for better auto insurancerates on cars that stay parked.
  • Passenger Safety Discount – Cars that have air bags or motorized seat belts may qualify for discounts of up to 25% or more.
  • Senior Discount – Drivers over the age of 55 could receive a slight reduction on a insurance coverage quote on Camry Solara insurance.
  • Multi-line Discount – Some insurance carriers give a lower rate if you buy auto and life insurance together.
  • Seat Belt Usage – Forcing all vehicle occupants to fasten their seat belts can save up to 10 percent (depending on the company) on the medical payments or PIP coverage costs.
  • Drivers Ed for Students – Have your child successfully complete driver’s ed class as it can save substantially.
  • ABS Brakes – Cars, trucks, and SUVs with ABS and/or traction control can avoid accidents so you can save 10 percent or more.

A little disclaimer on discounts, most credits do not apply the the whole policy. Most only cut individual premiums such as collision or personal injury protection. Even though the math looks like you could get a free auto insurance policy, it’s just not the way it works.

Companies and the discounts they provide are outlined below.

  • GEICO has savings for defensive driver, military active duty, federal employee, anti-theft, seat belt use, and air bags.
  • MetLife policyholders can earn discounts including multi-policy, defensive driver, good driver, good student, accident-free, and claim-free.
  • State Farm offers discounts including Drive Safe & Save, multiple policy, good driver, accident-free, and safe vehicle.
  • Progressive discounts include online signing, good student, continuous coverage, online quote discount, multi-vehicle, multi-policy, and homeowner.
  • Mercury Insurance offers discounts for age of vehicle, location of vehicle, accident-free, anti-theft, and professional/association.
  • 21st Century includes discounts for theft prevention, early bird, homeowners, student driver, driver training, and air bags.
  • Allstate has discounts for economy car, safe driver, good payer, teenSMART discount, resident student, early signing, and farm vehicle.

When comparing rates, check with each company how many discounts you can get. Some of the earlier mentioned discounts may not apply to policyholders in every state.

What insurance coverages do I need?

When it comes to buying the right insurance coverage for your personal vehicles, there isn’t really a single plan that fits everyone. Every situation is different and a cookie cutter policy won’t apply. For example, these questions might point out whether your personal situation would benefit from an agent’s advice.

  • Are there companies who specialize in insuring high-risk drivers?
  • Am I covered if I crash into my own garage door?
  • Should I carry comprehensive and collision coverage?
  • Am I insured when driving a different vehicle?
  • How high should my uninsured/underinsured coverage be in my state?
  • Does having multiple vehicles earn me a discount?

If you’re not sure about those questions but a few of them apply, then you may want to think about talking to an insurance agent. To find lower rates from a local agent, take a second and complete this form or go to this page to view a list of companies.

Insurance coverages and their meanings

Having a good grasp of your policy can be of help when determining which coverages you need and proper limits and deductibles. The coverage terms in a policy can be confusing and even agents have difficulty translating policy wording. Shown next are typical coverage types found on most insurance policies.

Comprehensive insurance

This covers damage from a wide range of events other than collision. You first have to pay a deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive insurance covers claims like hitting a deer, theft, a broken windshield and hail damage. The maximum amount you’ll receive from a claim is the cash value of the vehicle, so if it’s not worth much more than your deductible it’s probably time to drop comprehensive insurance.

Coverage for medical expenses

Personal Injury Protection (PIP) and medical payments coverage reimburse you for short-term medical expenses such as nursing services, prosthetic devices and rehabilitation expenses. They can be used in conjunction with a health insurance program or if there is no health insurance coverage. They cover all vehicle occupants as well as being hit by a car walking across the street. Personal injury protection coverage is not universally available but it provides additional coverages not offered by medical payments coverage

Coverage for uninsured or underinsured drivers

This coverage gives you protection when the “other guys” either have no liability insurance or not enough. This coverage pays for injuries to you and your family and damage to your 1999 Toyota Camry Solara.

Due to the fact that many drivers carry very low liability coverage limits, their limits can quickly be used up. For this reason, having high UM/UIM coverages should not be overlooked.

Collision insurance

This will pay to fix damage to your Camry Solara caused by collision with another vehicle or an object, but not an animal. A deductible applies then the remaining damage will be paid by your insurance company.

Collision coverage pays for claims such as colliding with a tree, crashing into a building, backing into a parked car and damaging your car on a curb. Collision is rather expensive coverage, so you might think about dropping it from vehicles that are older. Drivers also have the option to choose a higher deductible to save money on collision insurance.

Liability coverages

This provides protection from damage that occurs to people or other property. It protects YOU against other people’s claims, and doesn’t cover damage sustained by your vehicle in an accident.

Liability coverage has three limits: bodily injury per person, bodily injury per accident and property damage. You might see liability limits of 100/300/100 which means $100,000 in coverage for each person’s injuries, $300,000 for the entire accident, and a limit of $100,000 paid for damaged property.

Liability insurance covers claims such as medical services, loss of income, pain and suffering, medical expenses and court costs. How much coverage you buy is your choice, but consider buying as much as you can afford.

A tidy conclusion

When buying insurance coverage, don’t be tempted to buy lower coverage limits just to save a few bucks. There are too many instances where someone sacrificed comprehensive coverage or liability limits only to find out that it was a big error on their part. Your aim should be to get the best coverage possible for the lowest cost, but do not sacrifice coverage to save money.

We’ve covered a lot of ways to shop for 1999 Toyota Camry Solara insurance online. The key concept to understand is the more price quotes you have, the better your comparison will be. You may be surprised to find that the lowest premium rates come from a smaller regional carrier. They may have significantly lower prices on certain market segments compared to the large companies like Allstate and Progressive.

The cheapest 1999 Toyota Camry Solara insurance is attainable online and also from your neighborhood agents, and you should compare rates from both to get a complete price analysis. A few companies do not provide online rate quotes and many times these small insurance companies prefer to sell through independent agents.

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