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Toyota Camry Insurance Rates

Buying auto insurance by comparing rates online is simple to do and there is a good chance you can save money. The critical component is to get rates from as many companies as possible in order to have all your choices.

Shopping online for auto insurance can be a challenge if you have never used online quoting. Don't let that stop you because it's actually quite easy. Getting cheaper insurance rates can be quick and easy. The only requirement is to invest a few minutes getting comparison quotes online with multiple companies. This can be accomplished by comparing rates here.

Car insurance premiums for your Toyota Camry can fluctuate considerably subject to many criteria. Some of these factors include:

  • Traffic citations increase rates
  • Credit rating impacts rates
  • Where you live
  • High miles vs. low miles
  • Male rates may be higher
  • Deductible amount directly impacts your rate
  • Safety rating of your Camry
  • Your claim history
  • Having continuous coverage saves you money
  • Whether you own your home

An additional factor that helps determine Camry insurance rates is the year of the vehicle. Newer models cost more than older models so the payout to repair may result in higher rates. Although newer vehicles may have safety features included like a backup camera, dual-stage airbags, and an advanced theft deterrent system which may lower rates.

To get a better understanding how rates are influenced for your specific model year, select the year of your vehicle below.

Auto liability insurance

Camry liability coverage can cover damage that occurs to other's property or people in an accident. Liability can pay for things like legal defense fees, bail bonds, and repair bills for other people's vehicles. This coverage is usually fairly inexpensive so you should buy as high a limit as you can afford.

Auto collision coverage

Collision insurance covers damage to your Toyota resulting from colliding with another car or object. A deductible applies and the rest of the damage will be paid by collision coverage. Collision coverage makes up a good portion of your premium, so consider removing coverage from older vehicles. You can also raise the deductible in order to get cheaper Camry insurance rates.

Comprehensive insurance

Comprehensive insurance coverage pays for damage OTHER than collision with another vehicle or object. You need to pay your deductible first and then insurance will cover the rest of the damage. The most you'll receive from a claim is the market value of your vehicle, so if it's not worth much more than your deductible it's probably time to drop comprehensive insurance.

UM/UIM (Uninsured/Underinsured Motorist) coverage

Your UM/UIM coverage protects you and your vehicle's occupants from other motorists when they either are underinsured or have no liability coverage at all. Since many drivers only carry the minimum required liability limits, their limits can quickly be used up. This is the reason having UM/UIM coverage is very important.

Med pay and Personal Injury Protection (PIP)

Coverage for medical payments and/or PIP reimburse you for short-term medical expenses such as nursing services, prosthetic devices, and dental work. They are often utilized in addition to your health insurance program or if you are not covered by health insurance. Personal injury protection coverage is not an option in every state and gives slightly broader coverage than med pay.

How Much are Toyota Camry Insurance Rates?