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Toyota Camry Insurance Quotes

You have many choices when looking for the best insurance on your Toyota vehicle. You can get prices from your neighborhood insurance agent or get quotes online to compare pricing from a lot of auto insurance companies. Finding cheaper auto insurance through online companies saves time, is easy to do, in addition you will probably save money.

Finding the best direct price on auto insurance can be complicated if you are a beginner to online quotes. But don't let that discourage you because there is an easy way to compare rates. Reducing your Camry insurance cost is not a difficult process. All that's required is to spend a few minutes on the computer comparing rates online from several insurance companies. It is quite easy and can be accomplished by visiting this page.

Criteria which help determine Camry insurance rates

Insurance rates for a Toyota Camry can vary widely and are calculated by many factors. A few of these criteria are:

  • High performance increases premiums
  • Any accidents you may have
  • Home/auto policy bundles save money
  • Use of your vehicle
  • Your birth date
  • Being married can lower rates
  • Optional coverages like vehicle replacement
  • No claims lowers premiums
  • No coverage lapses saves money
  • Owning a home can lower rates

One last important factor which can affect the rate you pay on your Toyota is the year of manufacture. A newer vehicle have a higher actual cash value so the costs to repair can inflate annual premiums. Conversely, newer vehicles may have options such as a rollover prevention system, a backup camera, a telematics system, and adaptive cruise control which can provide discounts that lower premiums.

To get a better idea how much rates will be for your vehicle, select the year of your Camry from the following list.

Coverage for liability

This can cover injuries or damage you cause to other people or property that is your fault. Liability coverage pays for claims such as funeral expenses, loss of income, and emergency aid. It is cheap coverage so purchase higher limits if possible.

Collision coverage protection

This covers damage to your Toyota caused by collision with another vehicle or an object, but not an animal. You will need to pay your deductible then the remaining damage will be paid by your insurance company. Camry collision insurance is rather expensive coverage, so analyze the benefit of dropping coverage from vehicles that are 8 years or older. Another option is to choose a higher deductible to bring the cost down.

Comprehensive coverage (or Other than Collision)

Comprehensive insurance will pay to fix damage caused by mother nature, theft, vandalism and other events. You first must pay your deductible then the remaining damage will be covered by your comprehensive coverage. The maximum payout a auto 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 uninsured or underinsured drivers

This coverage gives you protection from other drivers when they either are underinsured or have no liability coverage at all. Since a lot of drivers only purchase the least amount of liability that is required, it doesn't take a major accident to exceed their coverage limits. So UM/UIM coverage should not be overlooked.

Insurance for medical payments

Coverage for medical payments and/or PIP kick in for bills for things like ambulance fees, surgery, and doctor visits. The coverages can be used to fill the gap from your health insurance policy or if you do not have health coverage. PIP coverage is not an option in every state but can be used in place of medical payments coverage.

How Much are Toyota Camry Insurance Rates?