2017 Toyota Camry Car Insurance Quotes – 10 Tips for Best Rates

Trying to find better car insurance rates for your Toyota Camry? Trying to come up with a payment for expensive car insurance can deplete your savings and make it impossible to make ends meet. Getting a rate comparison is a smart way to tighten up your finances.

There is such a variety of auto insurance companies to insure vehicles with, and though it is a good thing to have a choice, too many choices makes it more difficult to compare rates.

You need to compare premium rates on a regular basis since insurance rates go up and down regularly. Just because you had the best premium rates on Camry insurance on your last policy there is a good chance you can find better prices now. Forget all the misinformation about car insurance because you’re going to get a crash course in the things you must know in order to find better rates and still maintain coverage.

Verify you’re applying every discount

Auto insurance can be pricey, but there’s a good chance there are discounts that could drop your premiums quite a bit. Some trigger automatically at quote time, but lesser-known reductions have to be specially asked for before you will receive the discount.

  • Use Seat Belts – Drivers who require all occupants to buckle up before driving may be able to save a few bucks off the medical payments premium.
  • Driver Training Discounts – Taking a driver safety course could cut 5% off your bill and easily recoup the cost of the course.
  • No Claim Discounts – Good drivers with no accidents get the best auto insurance rates in comparison to drivers with a long claim history.
  • Mature Driver Discount – Drivers over the age of 55 may receive reduced rates on Camry insurance.
  • Pay Upfront and Save – By paying your policy upfront rather than paying in monthly installments you could save 5% or more.
  • Policy Bundle Discount – If you insure your home and vehicles and insure them with the same company they may give you a discount of over 10 percent off each policy depending on the company.
  • Low Mileage – Low annual miles may allow you to get better prices on cars that stay parked.
  • Online Discount – A few companies will give a small break just for signing your application digitally online.
  • Own a Home – Simply owning a home can get you a discount because maintaining a house requires personal responsibility.
  • Student Driver Training – Make teen driver coverage more affordable by requiring them to complete a driver education course if it’s offered in school.

One thing to note about discounts is that some credits don’t apply to your bottom line cost. A few only apply to specific coverage prices like comp or med pay. So even though you would think you can get free auto insurance, companies don’t profit that way.

For a list of insurers that offer the discounts shown above, follow this link.

How much does car insurance cost?

Finding a better price on car insurance can be surprisingly simple. Consumers just need to spend a little time comparing rate quotes to find the company with cheaper insurance coverage quotes. It is quite easy and can be accomplished using a couple different methods.

  1. The easiest and least time consuming way consumers can analyze rates would be an industry-wide quote request form like this one (opens in new window). This form eliminates the need for separate quote forms for every car insurance company. One simple form will get you rate comparisons from car insurance companies with the best prices.
  2. Another way to analyze rates requires a trip to each company’s website and repeat the quote process. For instance, let’s say you want to compare rates from Nationwide, Geico and State Farm. You would need to go to every website to input your insurance information, which is why first method is reommended.

    For a list of links to companies insuring cars in your area, click here.

It’s up to you which method you use, but be certain you are entering the same coverage limits on every quote. If each company quotes different coverage information it’s impossible to determine which rate is truly the best.

When should I discuss my situation with an agent?

When choosing coverage for your personal vehicles, there really is no cookie cutter policy. Every insured’s situation is different so your insurance should reflect that For example, these questions may help highlight whether you might need an agent’s assistance.

  • Does insurance cover damages from a DUI accident?
  • Where can I get insurance after a DUI in my state?
  • Am I covered when driving in Canada or Mexico?
  • Does my policy pay for OEM or aftermarket parts?
  • Should I buy full coverage?
  • Is my custom paint covered by insurance?
  • Should I carry comprehensive and collision coverage?
  • When would I need additional glass coverage?

If you can’t answer these questions then you might want to talk to a licensed insurance agent. If you don’t have a local agent, simply complete this short form or you can go here for a list of companies in your area. It’s fast, free and can help protect your family.

Car insurance coverages and their meanings

Knowing the specifics of your car insurance policy helps when choosing the best coverages and proper limits and deductibles. The coverage terms in a policy can be ambiguous and even agents have difficulty translating policy wording. These are typical coverage types found on most car insurance policies.

Collision coverage

This pays for damage to your Camry resulting from a collision with another vehicle or an object, but not an animal. You first must pay a deductible then your collision coverage will kick in.

Collision insurance covers claims such as colliding with a tree, colliding with another moving vehicle, driving through your garage door and scraping a guard rail. This coverage can be expensive, so you might think about dropping it from vehicles that are older. You can also bump up the deductible to get cheaper collision coverage.

Protection from uninsured/underinsured drivers

This protects you and your vehicle’s occupants from other drivers when they do not carry enough liability coverage. Covered claims include injuries sustained by your vehicle’s occupants as well as damage to your Toyota Camry.

Because many people only purchase the least amount of liability that is required, it only takes a small accident to exceed their coverage. For this reason, having high UM/UIM coverages is very important.

Medical expense insurance

Medical payments and Personal Injury Protection insurance provide coverage for short-term medical expenses for X-ray expenses, surgery and doctor visits. They can be used in conjunction with a health insurance plan or if there is no health insurance coverage. They cover you and your occupants and will also cover being hit by a car walking across the street. Personal Injury Protection is only offered in select states but it provides additional coverages not offered by medical payments coverage

Comprehensive (Other than Collision)

This coverage covers damage from a wide range of events other than collision. A deductible will apply then your comprehensive coverage will pay.

Comprehensive insurance covers claims like a tree branch falling on your vehicle, hitting a bird, vandalism, damage from getting keyed and fire damage. The maximum payout a car insurance company will pay at claim time is the actual cash value, so if it’s not worth much more than your deductible it’s not worth carrying full coverage.

Liability

Liability coverage protects you from damages or injuries you inflict on a person or their property by causing an accident. Liability coverage has three limits: bodily injury per person, bodily injury per accident and property damage. You might see policy limits of 100/300/100 that means you have a $100,000 limit per person for injuries, a total of $300,000 of bodily injury coverage per accident, and a limit of $100,000 paid for damaged property.

Liability insurance covers claims like repair bills for other people’s vehicles, funeral expenses and legal defense fees. How much liability should you purchase? That is a personal decision, but you should buy as much as you can afford.

A little work can save a LOT of money

When searching for cheap insurance coverage quotes, it’s a bad idea to skimp on coverage in order to save money. In many instances, someone dropped collision coverage only to discover later that the few dollars in savings costed them thousands. The aim is to buy the best coverage you can find at the best price, not the least amount of coverage.

You just learned a lot of techniques to compare 2017 Toyota Camry insurance premium rates online. The key concept to understand is the more quotes you get, the more likely it is that you will get a better rate. Drivers may discover the lowest premium rates are with a smaller regional carrier. These smaller insurers may have significantly lower prices on certain market segments compared to the large companies like State Farm or Progressive.

Additional insurance coverage information is available below: