2017 Toyota Camry Hybrid Insurance Rates

Shoppers have options when shopping for low-cost Toyota Camry Hybrid insurance. You can either waste hours driving around getting price quotes or leverage the internet to compare rates.

There are both good and bad ways to compare auto insurance rates and we’ll show you the absolute fastest way to price shop coverage on a Toyota and get the cheapest rates either online or from local insurance agents.

How to buy insurance coverage online

Finding low cost 2017 Toyota Camry Hybrid insurance coverage rates is a fairly straight forward process. All that’s required is to spend a little time to compare rate quotes from some recommended companies. It is quite easy and can be accomplished by using one of the methods below.

The easiest and least time consuming way to get the best comparison quotes is a comparison rater form (click to open form in new window). This form prevents you from having to do repetitive form submissions for each company you want a rate for. A single form gets you coverage quotes from all major companies. This is perfect if you don’t have a lot of time.

A more difficult way to analyze rates is to take the time to go to the website for each individual company and repeat the quote process. For example, let’s say you want to compare GEICO, Safeco and Allstate. To get each rate you have to navigate to each company’s site to enter the same coverage data repeatedly, which is why the first method is quicker. For a list of links to insurance companies in your area, click here.

It’s up to you how you get prices quotes, just try to keep the exact same coverage information for each comparison quote. If your comparisons have different limits and deductibles on each one it will be next to impossible to make a fair rate comparison.

Do you qualify for discount insurance?

Some providers do not advertise every discount in a way that’s easy to find, so the list below gives a summary of a few of the more common and the more hidden discounts you could be receiving when you buy insurance coverage online.

  • New Car Discount – Adding a new car to your policy is cheaper since new vehicles are generally safer.
  • Theft Deterent – Anti-theft and alarm system equipped vehicles are less likely to be stolen and qualify for as much as a 10% discount.
  • First Accident Forgiveness – This one is not really a discount per se, but companies like Liberty Mutual and GEICO may permit one accident before they charge you more for coverage if you have no claims prior to being involved in the accident.
  • Discounts for Government Workers – Having worked for a branch of the government could provide a small rate reduction for Camry Hybrid insurance but check with your company.
  • Student Driver Training – Cut your cost by having your teen driver participate in a local driver’s education class in school.
  • Include Life Insurance and Save – Not every insurance company offers life insurance, but if they do you may earn a small discount if you purchase a life policy as well.
  • Professional Memberships – Being a member of certain professional organizations could qualify you for a break when getting a insurance coverage quote.

Discounts reduce rates, but you should keep in mind that most discount credits are not given to the entire cost. The majority will only reduce specific coverage prices like collision or personal injury protection. So when it seems like you can get free auto insurance, that’s just not realistic.

Popular insurance companies and some of the premium reductions they offer can be found below.

  • The Hartford includes discounts for anti-theft, air bag, defensive driver, good student, and bundle.
  • American Family has savings for multi-vehicle, TimeAway discount, mySafetyValet, bundled insurance, air bags, and accident-free.
  • Progressive may include discounts for online signing, good student, multi-policy, homeowner, online quote discount, continuous coverage, and multi-vehicle.
  • Travelers offers discounts including good student, multi-car, continuous insurance, home ownership, IntelliDrive, and new car.
  • Farmers Insurance may have discounts that include teen driver, youthful driver, electronic funds transfer, switch companies, and multi-car.
  • USAA offers discounts for multi-vehicle, multi-policy, safe driver, driver training, new vehicle, and military installation.
  • Liberty Mutual policyholders can earn discounts including new graduate, new move discount, newly married, good student, multi-car, and preferred payment discount.

If you are trying to find cheap insurance coverage quotes, ask every company which credits you are entitled to. Some discounts may not apply in your area. If you would like to see a list of insurers that offer discounts, follow this link.

What insurance coverages do I need?

When choosing adequate coverage, there really is no cookie cutter policy. Every situation is different.

Here are some questions about coverages that might point out whether your personal situation could use an agent’s help.

  • Do all my vehicles need collision coverage?
  • Do I need to file an SR-22 for a DUI in my state?
  • Does my liability insurance cover pulling a trailer or camper?
  • How do I buy GAP insurance?
  • When would I need additional glass coverage?
  • Am I insured when driving a different vehicle?
  • Are there companies who specialize in insuring high-risk drivers?
  • What is the rate difference between pleasure use and commuting?
  • What can I do if my company denied a claim?

If you don’t know the answers to these questions, you may need to chat with an insurance agent. If you don’t have a local agent, simply complete this short form. It’s fast, doesn’t cost anything and you can get the answers you need.

Insurance coverage specifics

Understanding the coverages of your insurance policy aids in choosing appropriate coverage at the best deductibles and correct limits. The coverage terms in a policy can be ambiguous and reading a policy is terribly boring.

Comprehensive coverages

Comprehensive insurance coverage covers 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 can pay for things such as fire damage, hitting a deer and falling objects. The most a insurance company will pay at claim time is the cash value of the vehicle, so if the vehicle is not worth much it’s probably time to drop comprehensive insurance.

Coverage for medical payments

Medical payments and Personal Injury Protection insurance provide coverage for immediate expenses for X-ray expenses, chiropractic care, dental work and surgery. They can be utilized in addition to your health insurance policy or if you are not covered by health insurance. They cover both the driver and occupants and will also cover being hit by a car walking across the street. PIP coverage is only offered in select states and may carry a deductible

Collision coverage

Collision coverage pays for damage to your Camry Hybrid from colliding with another vehicle or an object, but not an animal. You will need to pay your deductible and the rest of the damage will be paid by collision coverage.

Collision coverage protects against claims such as crashing into a building, hitting a mailbox, colliding with a tree and sustaining damage from a pot hole. Paying for collision coverage can be pricey, so analyze the benefit of dropping coverage from older vehicles. It’s also possible to raise the deductible to save money on collision insurance.

Uninsured and underinsured coverage

This coverage provides protection from other drivers when they either have no liability insurance or not enough. This coverage pays for medical payments for you and your occupants as well as damage to your Toyota Camry Hybrid.

Since a lot of drivers only carry the minimum required liability limits, it only takes a small accident to exceed their coverage. That’s why carrying high Uninsured/Underinsured Motorist coverage is important protection for you and your family. Most of the time these limits do not exceed the liability coverage limits.

Auto liability insurance

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

It consists of three limits, bodily injury per person, bodily injury per accident and property damage. Your policy might show values of 50/100/50 that means you have $50,000 in coverage for each person’s injuries, a per accident bodily injury limit of $100,000, and a total limit of $50,000 for damage to vehicles and property. Occasionally you may see one number which is a combined single limit which provides one coverage limit rather than limiting it on a per person basis.

Liability coverage protects against things such as attorney fees, bail bonds, emergency aid, medical services and legal defense fees. How much liability should you purchase? That is up to you, but buy higher limits if possible.