View 2009 Toyota Camry Insurance Rates

Trying to find lower car insurance rates for your Toyota Camry? Feel like you’re a prisoner to high-priced car insurance? Believe me, there are many people just like you.

Having so many insurance companies to choose from, it can be challenging to locate the most affordable car insurance company.

Choosing the best insurance company for you is quite easy. Essentially anyone who buys car insurance stands a good chance to be able to cut their insurance bill. But vehicle owners must comprehend the way companies price insurance differently and use this information to your advantage.

Impacting insurance rates for a Toyota Camry

An important part of buying insurance is that you know the rating factors that go into determining the rates you pay for insurance. When you know what positively or negatively influences your rates enables informed choices that will entitle you to big savings.

  • Being married can save on insurance – Getting married actually saves money on your policy. Marriage means you’re more mature than a single person it has been statistically shown that married couples file fewer claims.
  • A lapse in coverage is a bad thing – Letting your insurance expire is a guaranteed way to bump up your insurance costs. Not only will rates go up, failure to provide proof of insurance might get you a license revocation or jail time.
  • Liability coverage is cheap – Liability insurance will protect you if a court rules you are at fault for personal injury or accident damage. It will provide legal defense coverage up to the limits shown on your policy. Carrying liability coverage is mandatory and cheap compared to physical damage coverage, so do not skimp.
  • Males pay more for insurance – Statistics show women tend to be less risk to insure than men. However, don’t assume that men are worse drivers. Women and men have accidents at about the same rate, but men cause more damage and cost insurance companies more money. Men also have more aggressive citations like reckless driving and DUI.
  • Younger drivers pay higher rates – Older insureds tend to be more responsible, file fewer claims and get fewer tickets. Teen drivers tend to be more careless when behind the wheel and because of this, their insurance rates are much higher.
  • Extra add-on coverages are wasting money – There are a lot of extra bells and whistles you can purchase on your Camry policy. Coverages for vanishing deductibles, better glass coverage and membership fees may be wasting your money. These coverages may sound good when you first buy your policy, but your needs may have changed so eliminate them to save money.
  • Bundling policies can get discounts – Many insurers will give a discount to insureds who carry more than one policy. It’s known as a multi-policy discount. Discounts can amount to five, ten or even twenty percent. Even with this discount, you still need to compare rates to make sure you are getting the best deal.

Policy discounts you shouldn’t miss

Companies don’t list every available discount very well, so we took the time to find some of the best known and the harder-to-find ways to save on insurance coverage.

  • Save over 55 – If you qualify as a senior citizen, you can possibly qualify for better insurance coverage rates for Camry insurance.
  • Low Mileage Discounts – Low mileage vehicles could qualify for discounted rates on garaged vehicles.
  • Auto/Home Discount – If you have multiple policies with one company you may earn up to 20% off your total premium.
  • Anti-lock Brake System – Cars that have steering control and anti-lock brakes can reduce accidents and earn discounts up to 10%.
  • E-sign – Certain companies may give you up to $50 for buying a policy and signing up over the internet.
  • Government Employees – Simply working for the federal government could cut as much as 10% off for Camry insurance depending on your company.
  • Accident Waiver – A handful of insurance companies will forgive one accident before your rates go up if your claims history is clear for a particular time prior to the accident.
  • Defensive Driving Course – Taking part in a driver safety course can save you 5% or more depending on where you live.
  • Passive Restraints and Air Bags – Vehicles with factory air bags or motorized seat belts can get savings of 20% or more.

Drivers should understand that most credits do not apply the the whole policy. The majority will only reduce the cost of specific coverages such as comprehensive or collision. So despite the fact that it appears you would end up receiving a 100% discount, companies wouldn’t make money that way.

To see a list of insurers offering insurance coverage discounts, click here to view.

Insurance agents can help

When it comes to buying the right insurance coverage for your personal vehicles, there isn’t really a perfect coverage plan. Everyone’s situation is a little different so your insurance needs to address that. For example, these questions can help discover if your situation would benefit from an agent’s advice.

  • Is extra glass coverage worth it?
  • Why do I need rental car insurance?
  • Do I need replacement cost coverage on my 2009 Toyota Camry?
  • Does my insurance cover a custom paint job?
  • Is my babysitter covered when using my vehicle?
  • Am I covered if I drive in a foreign country?
  • When should I not file a claim?

If you can’t answer these questions but a few of them apply then you might want to talk to an agent. If you don’t have a local agent, simply complete this short form or click here for a list of car insurance companies in your area.

Coverage specifics

Understanding the coverages of your policy aids in choosing the best coverages and the correct deductibles and limits. Policy terminology can be difficult to understand and even agents have difficulty translating policy wording. These are the normal coverages found on the average insurance policy.

Collision protection

Collision coverage will pay to fix damage to your Camry resulting from a collision with another vehicle or an object, but not an animal. You have to pay a deductible and the rest of the damage will be paid by collision coverage.

Collision coverage protects against things such as damaging your car on a curb, hitting a mailbox and hitting a parking meter. This coverage can be expensive, so you might think about dropping it from lower value vehicles. Drivers also have the option to raise the deductible to get cheaper collision coverage.

Coverage for medical payments

Personal Injury Protection (PIP) and medical payments coverage reimburse you for short-term medical expenses for surgery, doctor visits, prosthetic devices and EMT expenses. The coverages can be utilized in addition to your health insurance plan or if there is no health insurance coverage. Coverage applies to both the driver and occupants in addition to being hit by a car walking across the street. Personal injury protection coverage is not available in all states but can be used in place of medical payments coverage

Uninsured and underinsured coverage

Uninsured or Underinsured Motorist coverage provides protection when the “other guys” are uninsured or don’t have enough coverage. Covered claims include injuries sustained by your vehicle’s occupants and damage to your 2009 Toyota Camry.

Since a lot of drivers carry very low liability coverage limits, it only takes a small accident to exceed their coverage. For this reason, having high UM/UIM coverages is important protection for you and your family.

Auto liability insurance

This coverage will cover damages or injuries you inflict on a person or their property by causing an accident. This coverage protects you from legal claims by others. Liability doesn’t cover damage to your own property or vehicle.

Split limit liability has three limits of coverage: bodily injury per person, bodily injury per accident and property damage. You commonly see values of 50/100/50 that means you have a limit of $50,000 per injured person, a total of $100,000 of bodily injury coverage per accident, and $50,000 of coverage for damaged propery.

Liability insurance covers things such as repair bills for other people’s vehicles, pain and suffering and loss of income. How much liability should you purchase? That is a decision to put some thought into, but consider buying as large an amount as possible.

Comprehensive coverages

This coverage will pay to fix damage OTHER than collision with another vehicle or object. You first must pay your deductible then your comprehensive coverage will pay.

Comprehensive can pay for things such as damage from getting keyed, a broken windshield, damage from flooding, damage from a tornado or hurricane and hail damage. The maximum amount you’ll receive from a claim is the cash value of the vehicle, so if your deductible is as high as the vehicle’s value consider removing comprehensive coverage.

Make an honest buck

Low-cost 2009 Toyota Camry insurance can be bought on the web as well as from independent agents, and you need to comparison shop both to have the best chance of lowering rates. A few companies don’t offer online quoting and usually these smaller companies provide coverage only through local independent agents.

As you shop your coverage around, make sure you don’t buy less coverage just to save a little money. Too many times, an accident victim reduced liability coverage limits only to regret at claim time they didn’t purchase enough coverage. The proper strategy is to buy the best coverage you can find at the best price.

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