Compare 1998 Toyota Camry Car Insurance Quotes

Searching for cheaper car insurance rates for your Toyota Camry? No one in their right mind looks forward to buying car insurance, especially knowing their premiums are too high.

Lots of auto insurance companies contend for your hard-earned dollar, and because of this it can be hard to compare insurers to find the absolute lowest price

If you are paying for car insurance now, you will be able to reduce your rates substantially using these tips. Finding affordable coverage is not that difficult. But car owners need to learn the way insurance companies market on the web because it can help you find the best coverage.

Save on Toyota Camry insurance

Car insurance can cost a lot, but there could be available discounts that can drop the cost substantially. Some discounts apply automatically when you purchase, but a few must be manually applied prior to receiving the credit.

  • Accident Free – Good drivers with no accidents can save substantially when compared with frequent claim filers.
  • Air Bag Discount – Vehicles equipped with air bags or automatic seat belts can qualify for discounts of more than 20%.
  • Good Student – Performing well in school can get you a discount of up to 25%. Earning this discount can benefit you until age 25.
  • Theft Prevention System – Cars that have factory anti-theft systems are stolen less frequently and earn discounts up to 10%.
  • Braking Control Discount – Vehicles with anti-lock braking systems can avoid accidents and qualify for as much as a 10% discount.
  • Drive Safe and Save – Safe drivers can get discounts for up to 45% lower rates on Camry coverage than their less cautious counterparts.
  • One Accident Forgiven – Some insurance companies will forgive one accident before raising your premiums if you are claim-free prior to the accident.
  • Service Members Pay Less – Being deployed with a military unit could be rewarded with lower premiums.

Keep in mind that most discounts do not apply to the entire cost. A few only apply to the price of certain insurance coverages like physical damage coverage or medical payments. So when it seems like having all the discounts means you get insurance for free, car insurance companies aren’t that generous. But all discounts will bring down your overall premium however.

A partial list of companies that possibly offer these benefits may include but are not limited to:

Before buying, ask each insurance company which discounts they offer. Some discounts might not apply in your state.

Tailor your coverage to you

When it comes to choosing coverage, there is no best way to insure your cars. Everyone’s situation is a little different and a cookie cutter policy won’t apply. For instance, these questions can help discover whether your personal situation could use an agent’s help.

  • I have a DUI can I still get coverage?
  • Do I really need UM/UIM coverage?
  • Do I have coverage when using my vehicle for my home business?
  • Why is insurance for a teen driver so high?
  • Can I rent a car in Mexico?
  • If I drive on a suspended license am I covered?
  • Are my friends covered when driving my car?
  • Does my 1998 Toyota Camry need full coverage?
  • Is upholstery damage covered by car insurance?
  • Do I need PIP (personal injury protection) coverage in my state?

If you don’t know the answers to these questions, then you may want to think about talking to an agent. If you don’t have a local agent, fill out this quick form or click here for a list of car insurance companies in your area.

Coverage specifics

Understanding the coverages of your insurance policy helps when choosing the best coverages at the best deductibles and correct limits. Insurance terms can be confusing and nobody wants to actually read their policy. Below you’ll find the normal coverages found on the average insurance policy.

Coverage for uninsured or underinsured drivers

Your UM/UIM coverage gives you protection from other drivers when they do not carry enough liability coverage. Covered losses include injuries sustained by your vehicle’s occupants as well as damage to your Toyota Camry.

Due to the fact that many drivers 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. Most of the time these coverages are set the same as your liablity limits.

Coverage for medical expenses

Coverage for medical payments and/or PIP reimburse you for immediate expenses like pain medications, prosthetic devices, hospital visits and chiropractic care. They are used in conjunction with a health insurance policy or if there is no health insurance coverage. They cover both the driver and occupants as well as getting struck while a pedestrian. Personal injury protection coverage is not universally available but it provides additional coverages not offered by medical payments coverage

Liability coverage

Liability insurance provides protection from damage that occurs to other’s property or people that is your fault. This coverage protects you against claims from other people, and does not provide coverage for your injuries or vehicle damage.

Coverage consists of three different limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. Your policy might show limits of 50/100/50 that translate to a $50,000 limit per person for injuries, a limit of $100,000 in injury protection per accident, and property damage coverage for $50,000. Occasionally you may see a combined single limit or CSL which provides one coverage limit with no separate limits for injury or property damage.

Liability coverage protects against things like attorney fees, repair bills for other people’s vehicles and repair costs for stationary objects. How much liability should you purchase? That is your choice, but you should buy higher limits if possible.

Auto collision coverage

Collision coverage covers damage to your Camry from colliding with an object or car. A deductible applies then your collision coverage will kick in.

Collision coverage pays for claims such as crashing into a building, damaging your car on a curb, hitting a parking meter and scraping a guard rail. Collision coverage makes up a good portion of your premium, so you might think about dropping it from lower value vehicles. Another option is to increase the deductible to get cheaper collision coverage.

Comprehensive insurance

This coverage will pay to fix damage caused by mother nature, theft, vandalism and other events. You first must pay your deductible then your comprehensive coverage will pay.

Comprehensive coverage pays for things like rock chips in glass, falling objects, damage from a tornado or hurricane and vandalism. The maximum payout you can receive from a comprehensive claim is the ACV or actual cash value, so if it’s not worth much more than your deductible consider removing comprehensive coverage.

Saving money is sweet as honey

Lower-priced 1998 Toyota Camry insurance can be purchased from both online companies and also from your neighborhood agents, so compare prices from both in order to have the best chance of saving money. Some insurance providers may not provide you the ability to get quotes online and most of the time these small insurance companies sell through independent agents.

When shopping online for auto insurance, you should never skimp on critical coverages to save a buck or two. There have been many cases where consumers will sacrifice uninsured motorist or liability limits only to regret at claim time that their decision to reduce coverage ended up costing them more. Your aim should be to get the best coverage possible at the best price, not the least amount of coverage.

More detailed auto insurance information can be found by following these links: