Save on 2016 Toyota Camry Car Insurance Quotes

Want the cheapest insurance coverage rates for your Toyota Camry? Have you had enough of sacrificing other expenses to pay insurance coverage each month? You have the same problem as many other drivers. Lots of insurance companies contend for your insurance dollar, so it can be very hard to choose a insurer to discover the definitive lowest rate

You should make it a habit to get comparison quotes every six months because prices are usually higher with each renewal. Just because you had the lowest rates on Camry coverage two years ago you can probably find a better rate quote now. You’ll find a ton of advice on insurance coverage on the web, but in this article, you’re going to get some proven techniques to save money.

How to lower your car insurance cost

Most larger insurance companies give insurance quotes on their websites. Getting quotes is very simple because it’s just a matter of typing in the amount of coverage you want as detailed in the form. After you submit the form their system pulls reports for credit and driving violations and returns a price determined by many factors. Being able to quote online makes it simple to compare prices but the work required to visit many different websites and complete many quote forms is a waste of time. But it’s also necessary to compare as many rates as possible if you want to get a better rate.

Online rates the easy way

The preferred way to compare rates uses just one form that gets prices from more than one company. It saves time, requires less work, and makes online quotes much easier to do. After your information is entered, your coverage is rated with multiple companies and you can pick any of the quotes returned.

If the quotes result in lower rates, you can simply submit the application and buy the new coverage. It only takes a few minutes and you will find out if you’re overpaying now.

To fill out one form to compare multiple rates now, click here to open in a new tab and input your coverage information. If you have a policy now, it’s recommended you type in the coverages exactly as they are listed on your policy. This guarantees you’re receiving comparison quotes based on identical coverages.

What impacts Toyota Camry insurance prices?

Consumers need to have an understanding of the different types of things that are used to determine the level of your policy premiums. If you have some idea of what positively or negatively impacts your premiums, this helps enable you to make changes that will entitle you to lower auto insurance prices. Many factors are considered when premium rates are determined. Most are fairly basic like an MVR report, but some are more obscure such as your marital status or how safe your car is.

  • Cheaper rates for prior coverage – Having a lapse in insurance coverage can be a fast way to increase your renewal premiums. And not only will insurance be more expensive, not being able to provide proof of insurance can result in a hefty fine and possibly a revoked license. You may then have to file a SR-22 with your state motor vehicle department.
  • Gals pay lower rates – Over the last 50 years, statistics have shown that men are more aggressive behind the wheel. This data doesn’t prove that females are better drivers. Men and women have auto accidents in similar percentages, but males have accidents that have higher claims. Not only that, but men also have more aggressive citations like DUI and reckless driving. Males from age 16 to 21 cause the most accidents and are penalized with high auto insurance rates.
  • With age comes responsibility – Inexperience drivers tend to be inattentive and easily distracted when driving with friends therefore auto insurance rates are much higher. Parents adding a young driver to your auto insurance policy can increase premiums substantially. More experienced drivers have been proven to be more responsible, statistically cause fewer accidents , and usually have better credit.
  • Insurance rates for married couples – Having a spouse may save some money when buying auto insurance. It generally demonstrates drivers are more mature and insurance companies like that married drivers tend to file fewer claims.
  • Cars with good safety ratings mean better auto insurance rates – Vehicles with high crash test scores can get you lower premiums. Highly rated vehicles protect occupants better and fewer injuries translates into fewer and smaller insurance claims and cheaper rates on your policy.

Take policy discounts and save

Buying insurance is not cheap, but there could be significant discounts to help offset the cost. Certain discounts will be triggered automatically at quote time, but a few need to be specially asked for before they will apply.

  • Discounts for Good Drivers – Drivers without accidents can save up to 40% or more on their insurance quote on Camry coverage than their less cautious counterparts.
  • Passive Restraints – Cars that have air bags or motorized seat belts could see savings of more than 20%.
  • Discounts for Seat Belt Usage – Requiring all passengers to buckle up before driving can save a little off the personal injury premium cost.
  • Accident Free – Drivers who don’t have accidents pay much less as compared to frequent claim filers.
  • Bundled Policy Discount – When you combine your home and auto insurance and insure them with the same company you may earn nearly 15% which can help you find cheap insurance.
  • Buy New and Save – Buying a new car instead of a used car can be considerably cheaper compared to insuring an older model.
  • Driver Safety – Taking part in a course that instructs on driving safety could earn you a small percentage discount depending on where you live.

Don’t be shocked that most discount credits are not given to the overall cost of the policy. Most cut specific coverage prices like liability and collision coverage. So despite the fact that it appears you would end up receiving a 100% discount, insurance companies aren’t that generous. But all discounts will positively reduce your premiums.

Insurance companies that may offer policyholders some of the discounts shown above may include but are not limited to:

If you want cheaper insurance quotes, ask all companies you are considering what discounts are available to you. Some of the earlier mentioned discounts might not be offered everywhere. To see providers that have a full spectrum of discounts, click here.

Which policy gives me the best coverage?

When choosing adequate coverage for your personal vehicles, there is no cookie cutter policy. Everyone’s situation is a little different so this has to be addressed. For example, these questions might point out whether you may require specific advice.

  • Should I file a claim if it’s only slightly more than my deductible?
  • Are split liability limits better than a combined single limit?
  • Does my liability insurance cover pulling a trailer or camper?
  • Does coverage extend to Mexico or Canada?
  • Am I covered by my spouse’s policy after a separation?
  • Will my rates increase for filing one claim?
  • Are all vehicle passengers covered by medical payments coverage?
  • If I drive on a suspended license am I covered?
  • Is borrowed equipment or tools covered if stolen or damaged?

If you don’t know the answers to these questions but one or more may apply to you, you may need to chat with an agent. To find an agent in your area, simply complete this short form or click here for a list of insurance companies in your area. It only takes a few minutes and you can get the answers you need.

What insurance coverages do you need?

Understanding the coverages of your insurance policy can help you determine the right coverages for your vehicles. The coverage terms in a policy can be difficult to understand and nobody wants to actually read their policy. Below you’ll find typical coverage types found on the average insurance policy.

Collision coverages – This coverage pays for damage to your Camry resulting from colliding with a stationary object or other vehicle. A deductible applies then the remaining damage will be paid by your insurance company.

Collision insurance covers claims such as sideswiping another vehicle, sustaining damage from a pot hole, crashing into a ditch, scraping a guard rail and hitting a parking meter. This coverage can be expensive, so analyze the benefit of dropping coverage from vehicles that are older. You can also increase the deductible to save money on collision insurance.

Medical payments and PIP coverage – Med pay and PIP coverage kick in for short-term medical expenses like pain medications, funeral costs, surgery and rehabilitation expenses. They are used in conjunction with a health insurance program or if there is no health insurance coverage. Coverage applies to both the driver and occupants in addition to getting struck while a pedestrian. PIP is only offered in select states and gives slightly broader coverage than med pay

UM/UIM (Uninsured/Underinsured Motorist) coverage – This coverage gives you protection when the “other guys” are uninsured or don’t have enough coverage. It can pay for hospital bills for your injuries as well as your vehicle’s damage.

Since many drivers only carry the minimum required liability limits, their liability coverage can quickly be exhausted. This is the reason having UM/UIM coverage should not be overlooked. Frequently these coverages are similar to your liability insurance amounts.

Comprehensive auto coverage – Comprehensive insurance coverage pays to fix your vehicle from damage OTHER than collision with another vehicle or object. You first must pay your deductible and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive insurance covers things like theft, rock chips in glass and hitting a deer. The maximum amount a insurance company will pay at claim time is the cash value of the vehicle, so if the vehicle is not worth much consider dropping full coverage.

Liability – This will cover damage or injury you incur to other people or property by causing an accident. This coverage protects you from claims by other people, and does not provide coverage for your injuries or vehicle damage.

Liability coverage has three limits: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. As an example, you may have values of 25/50/25 that means you have $25,000 bodily injury coverage, a per accident bodily injury limit of $50,000, and a total limit of $25,000 for damage to vehicles and property. Another option is one limit called combined single limit (CSL) which limits claims to one amount with no separate limits for injury or property damage.

Liability coverage protects against things like repair bills for other people’s vehicles, legal defense fees, pain and suffering, court costs and medical expenses. The amount of liability coverage you purchase is a decision to put some thought into, but you should buy as high a limit as you can afford.

Quote often and quote early

We just showed you a lot of techniques to get a better price on 2016 Toyota Camry insurance. The most important thing to understand is the more rate quotes you have, the higher the chance of saving money. Consumers may even find the lowest car insurance rates come from an unexpected company. Smaller companies may only write in your state and offer lower premium rates than their larger competitors like Progressive and GEICO.

Affordable 2016 Toyota Camry insurance can be purchased both online and from local insurance agents, and you need to comparison shop both to have the best rate selection. Some insurance coverage companies may not have the ability to get a quote online and usually these smaller providers prefer to sell through independent agents.

When searching for the cheapest insurance quotes, it’s very important that you do not buy poor coverage just to save money. There have been many cases where an insured dropped physical damage coverage to discover at claim time that it was a big error on their part. Your goal is to find the BEST coverage at the best price while still protecting your assets.

More information