2010 Toyota Camry Car Insurance Quotes

Searching for cheaper car insurance rates for your Toyota Camry? There isn’t anyone who rejoices having to buy car insurance, particularly when the cost is too high.

Having so many options when it comes to car insurance, it can be impossible to pick a more affordable company.

Compare car insurance quotes

All the larger car insurance companies make it easy to get price estimates directly from their websites. Obtaining pricing doesn’t take much effort because it’s just a matter of typing in your coverage preferences into a form. When complete, the quote system orders your driving and credit reports and provides a quote. Online price quotes makes it simple to compare prices but the work required to visit multiple sites and fill out multiple forms gets old quite quickly. But it’s also necessary to get many rate quotes if you want to find the lowest car insurance rates.

Compare rates the easy way

The quickest way to compare rates uses just one form that gets prices from several different companies. The form is fast, helps eliminate reptitive entry, and makes online shopping much more enjoyable and efficient. As soon as you send your information, it is quoted and you can choose any of the quote results.

If you find a better price you simply finish the application and purchase coverage. This process can be completed in less than 10 minutes and you will find out if you’re overpaying now.

In order to fill out one form to compare multiple rates now, simply click here to open in new window and enter your information. If you have your current policy handy, we recommend you replicate the coverages exactly as shown on your declarations page. This makes sure you will be getting a rate comparison based on identical coverages.

Verify you’re getting every discount

Some providers do not list all disounts in an easy-to-find place, so the following is a list of some of the best known and also the more inconspicuous credits that may apply to you.

Distant College Student Discount – Kids who live away from home at college and leave their car at home could get you a discount.
Theft Deterent Discount – Vehicles that have factory alarm systems and tracking devices can help prevent theft and qualify for as much as a 10% discount.
Good Student – This discount can save 20 to 25%. You can use this discount normally well after school through age 25.
Paper-free Discount – Many insurance companies will discount your bill up to fifty bucks for completing your application on your computer.
Government Employee Discount – Being employed by or retired from a federal job could cut as much as 10% off on Camry insurance with select insurance companies.
Auto/Home Discount – If you have multiple policies with one insurance company you may save nearly 15% which can help you find affordable auto insurance.
Telematics Devices – Drivers that enable driving data submission to track when and where they use their vehicle by using a telematics device such as Drivewise from Allstate or Snapshot from Progressive could save a few bucks as long as the data is positive.

Consumers should know that some of the credits will not apply to the entire policy premium. Most cut the price of certain insurance coverages like liability, collision or medical payments. If you do the math and it seems like you could get a free car insurance policy, you won’t be that lucky.

A few of the larger companies and a partial list of their discounts are shown below.

Travelers has savings for IntelliDrive, continuous insurance, good student, new car, payment discounts, and hybrid/electric vehicle.
21st Century offers discounts for driver training, 55 and older, teen driver, student driver, good student, air bags, and anti-lock brakes.
State Farm offers discounts including defensive driving training, accident-free, multiple policy, Steer Clear safe driver discount, and Drive Safe & Save.
GEICO policyholders can earn discounts including emergency military deployment, anti-lock brakes, good student, daytime running lights, and air bags.
SAFECO may offer discounts for safe driver, multi-car, accident prevention training, anti-lock brakes, and teen safety rewards.
AAA may have discounts that include anti-theft, pay-in-full, good driver, education and occupation, multi-policy, AAA membership discount, and good student.

When quoting, ask all the companies what discounts are available to you. Savings might not be offered on policies in every state. To locate insurance companies with significant discounts, click this link.

When should I discuss my situation with an agent?

When buying the best insurance coverage for your personal vehicles, there really is no perfect coverage plan. Everyone’s situation is a little different so your insurance should reflect that For example, these questions might help in determining if you might need an agent’s assistance.

Am I covered by my employer’s commercial auto policy when driving my personal car for business?
Does insurance cover tools stolen from my truck?
What is UM/UIM insurance?
Is my ex-spouse still covered by my policy?
Am I covered when renting a car or should I buy coverage from the car rental agency?
What is the ISO rating for a 2010 Toyota Camry?
Do I need rental car coverage?

If you’re not sure about those questions but one or more may apply to you, then you may want to think about talking to an agent. If you want to speak to an agent in your area, fill out this quick form or click here for a list of insurance companies in your area.

Auto insurance policy specifics

Having a good grasp of a auto insurance policy helps when choosing the right coverages for your vehicles. Policy terminology can be impossible to understand and reading a policy is terribly boring. Below you’ll find typical coverages offered by auto insurance companies.

Liability coverage

This coverage provides protection from damages or injuries you inflict on a person or their property that is your fault. Coverage consists of three different limits, per person bodily injury, per accident bodily injury, and a property damage limit. Your policy might show values of 25/50/25 which means $25,000 bodily injury coverage, a per accident bodily injury limit of $50,000, and property damage coverage for $25,000. Another option is one number which is a combined single limit which combines the three limits into one amount and claims can be made without the split limit restrictions.

Liability coverage protects against claims like loss of income, attorney fees and court costs. The amount of liability coverage you purchase is a personal decision, but buy as large an amount as possible.

Coverage for uninsured or underinsured drivers

Uninsured or Underinsured Motorist coverage protects you and your vehicle’s occupants from other motorists when they either have no liability insurance or not enough. Covered losses include hospital bills for your injuries as well as damage to your Toyota Camry.

Since many drivers have only the minimum liability required by law, it only takes a small accident to exceed their coverage. That’s why carrying high Uninsured/Underinsured Motorist coverage is a good idea. Normally your uninsured/underinsured motorist coverages are identical to your policy’s liability coverage.

Coverage for collisions

This coverage will pay to fix damage to your Camry caused by collision with another car or object. You first must pay a deductible then your collision coverage will kick in.

Collision coverage pays for claims like colliding with a tree, sideswiping another vehicle and scraping a guard rail. Paying for collision coverage can be pricey, so analyze the benefit of dropping coverage from older vehicles. Drivers also have the option to raise the deductible to bring the cost down.

Coverage for medical expenses

Personal Injury Protection (PIP) and medical payments coverage kick in for immediate expenses such as nursing services, pain medications, hospital visits, rehabilitation expenses and surgery. They are used in conjunction with a health insurance policy or if you lack health insurance entirely. They cover not only the driver but also the vehicle occupants in addition to if you are hit as a while walking down the street. Personal Injury Protection is not universally available but can be used in place of medical payments coverage

Comprehensive auto insurance

Comprehensive insurance coverage will pay to fix damage OTHER than collision with another vehicle or object. You need to pay your deductible first then the remaining damage will be covered by your comprehensive coverage.

Comprehensive insurance covers claims like fire damage, a broken windshield and a tree branch falling on your vehicle. The highest amount you can receive from a comprehensive claim is the actual cash value, so if the vehicle is not worth much consider dropping full coverage.

2010 Toyota Camry Car Insurance Quotes – 7 Tips to Save