2012 Toyota Camry Car Insurance Cost - 5 Tips for Best Prices

Searching for better auto insurance rates for your Toyota Camry? Expensive auto insurance can empty your savings account and make it hard to pay other bills. Comparison shopping is a great way to make sure you’re not throwing money away. Consumers have many car insurance companies to pick from, and although it’s nice to have a selection, it can be more challenging to compare company pricing.

It’s important to check auto insurance prices yearly due to the fact that insurance rates go up and down regularly. Even if you think you had the best rates on Camry insurance a few years ago there is a good chance you can find better rates now. There is a lot of bad information regarding auto insurance online, so we’re going to give you the best ways to reduce your auto insurance bill.

The fastest way that we advise to get rate comparisons is to realize auto insurance companies allow for online access to quote your coverage. To get started, all you need to do is give the companies some data such as level of coverage desired, your education level, if it has an alarm system, and marital status. That information is instantly provided to multiple different insurance companies and you will get price comparisons instantly to find the best rate.

Save $457 a year. For real?

Consumers can’t get away from ads for cheaper car insurance from the likes of 21st Century, Allstate and State Farm. All the ads make the same claim about savings if you move your coverage to them.

How do they all make the same claim?

Different companies have a preferred profile for the type of driver that is profitable for them. For example, a profitable customer could be over the age of 50, has no driving citations, and has a high credit rating. A propective insured who matches those parameters will get the preferred rates and therefore will save when switching.

Consumers who don’t qualify for these standards will have to pay higher rates and this can result in the driver buying from a lower-cost company. Company advertisements say “customers that switch” not “everyone that quotes” save that much money. That is how companies can truthfully claim big savings.

Because of the profiling, drivers should get as many comparisons as possible. It’s just too difficult to predict which car insurance company will give you the biggest savings on Toyota Camry insurance.

Policy discounts you shouldn’t miss

The cost of insuring your cars can be expensive, but there are discounts available to reduce the price significantly. A few discounts will automatically apply when you complete an application, but some may not be applied and must be asked for before being credited. If you don’t get every credit you qualify for, you are throwing money away.

Paperless Signup – Some insurance companies give back up to $50 just for signing your application on their website.
No Accidents – Drivers who don’t have accidents pay less as compared to drivers who are more careless.
Student Driver Training – Make teen driver coverage more affordable by requiring them to complete a driver education course in school.
Low Mileage – Fewer annual miles on your Toyota could be rewarded with lower rates on the low mileage vehicles.
Safe Drivers – Drivers who avoid accidents can pay as much as 50% less on Camry insurance than drivers with accident claims.

Keep in mind that some of the credits will not apply the the whole policy. Most only apply to specific coverage prices like comp or med pay. Just because you may think it’s possible to get free car insurance, you’re out of luck. But all discounts will help reduce your premiums.

Car insurance companies that possibly offer these benefits include:

Double check with every prospective company which discounts you may be entitled to. Savings may not be available in your state.

Insurance agents can help

When it comes to buying proper insurance coverage, there isn’t really a single plan that fits everyone. Your needs are not the same as everyone else’s so your insurance should reflect that Here are some questions about coverages that can aid in determining if your insurance needs may require specific advice.

I have health insurance so do I need medical payments coverage?
What is roadside assistance coverage?
Is business property covered if stolen from my car?
What discounts do I qualify for?
Do I need more liability coverage?
Do I need added coverage for expensive stereo equipment?
Do I need an umbrella policy?
Do I need PIP (personal injury protection) coverage in my state?
Should I file a claim if it’s only slightly more than my deductible?
Do I need to file an SR-22 for a DUI in my state?

If you don’t know the answers to these questions but one or more may apply to you, then you may want to think about talking to an insurance agent. If you don’t have a local agent, take a second and complete this form or go to this page to view a list of companies. It’s fast, doesn’t cost anything and you can get the answers you need.

Insurance policy specifics

Learning about specific coverages of a insurance policy aids in choosing which coverages you need and the correct deductibles and limits. The coverage terms in a policy can be impossible to understand and reading a policy is terribly boring. These are the usual coverages offered by insurance companies.

Comprehensive protection

This coverage pays to fix your vehicle from damage from a wide range of events other than collision. You first have to pay a deductible and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive can pay for claims such as hitting a deer, falling objects, rock chips in glass and hail damage. The highest amount you’ll receive from a claim is the actual cash value, so if the vehicle is not worth much it’s not worth carrying full coverage.

Collision coverage

Collision coverage will pay to fix damage to your Camry resulting from colliding with another vehicle or an object, but not an animal. A deductible applies then the remaining damage will be paid by your insurance company.

Collision coverage protects against things like sustaining damage from a pot hole, scraping a guard rail, driving through your garage door and backing into a parked car. Collision is rather expensive coverage, so consider dropping it from older vehicles. Drivers also have the option to increase the deductible to bring the cost down.

Uninsured or underinsured coverage

Your UM/UIM coverage gives you protection from other motorists when they either are underinsured or have no liability coverage at all. This coverage pays for medical payments for you and your occupants as well as your vehicle’s damage.

Since many drivers only purchase the least amount of liability that is required, it only takes a small accident to exceed their coverage. So UM/UIM coverage should not be overlooked. Most of the time these coverages are identical to your policy’s liability coverage.

Medical expense coverage

Medical payments and Personal Injury Protection insurance provide coverage for short-term medical expenses such as chiropractic care, hospital visits, nursing services, rehabilitation expenses and prosthetic devices. They can be used to fill the gap from your health insurance plan or if you lack health insurance entirely. It covers all vehicle occupants and will also cover any family member struck as a pedestrian. PIP is not available in all states and may carry a deductible

Liability coverages

Liability insurance can cover damages or injuries you inflict on a person or their property. This coverage protects you against claims from other people, and does not provide coverage for damage sustained by your vehicle in an accident.

Liability coverage has three limits: per person bodily injury, per accident bodily injury, and a property damage limit. You commonly see limits of 100/300/100 which means a $100,000 limit per person for injuries, a per accident bodily injury limit of $300,000, and property damage coverage for $100,000. Occasionally you may see a combined limit which limits claims to one amount with no separate limits for injury or property damage.

Liability coverage protects against things such as structural damage, medical services and pain and suffering. How much liability should you purchase? That is up to you, but consider buying higher limits if possible.

A penny saved is a penny earned

The cheapest 2012 Toyota Camry insurance is definitely available online in addition to many insurance agents, and you should be comparing both in order to have the best chance of saving money. Some car insurance companies do not provide online price quotes and usually these regional insurance providers provide coverage only through local independent agents.

As you restructure your insurance plan, it’s not a good idea to buy lower coverage limits just to save a few bucks. In many instances, an insured dropped comprehensive coverage or liability limits only to regret that saving that couple of dollars actually costed them tens of thousands. The ultimate goal is to purchase plenty of coverage for the lowest price, not the least amount of coverage.

2012 Toyota Camry Car Insurance Cost – 5 Tips for Best Prices