Compare 1993 Toyota Camry Car Insurance Cost

Searching for lower auto insurance rates for your Toyota Camry? Have you fallen victim to overpriced auto insurance? Trust us when we tell you there are a lot of people just like you who feel imprisoned by their auto insurance policy. Popular companies such as State Farm, Geico and Farmers Insurance increase brand awareness with fancy advertisements and it can be hard to ignore the flying pigs and cute green geckos and take the time to shop coverage around.

Free Insurance Quotes

Getting a cheaper price on 1993 Toyota Camry insurance doesn’t have to be difficult. You just have to spend a few minutes to get quotes provided by online insurance companies. It is quite easy and can be accomplished using a couple different methods.

One of the best ways to find the lowest comparison rates is a comparison rater form click to view form in new window. This method saves time by eliminating multiple quote forms for each company. In just a few minutes this one form gets you coverage quotes from insurance companies with the best prices.
A more time consuming way to get comparison quotes requires a trip to the website for each individual company to complete their respective quote request forms. For sake of this example, we’ll pretend you want comparison quotes from Progressive, 21st Century and Liberty Mutual. To get rate quotes you would need to take the time to go to each site and enter your policy data, and that’s why the first method is more popular. To view a list of companies in your area, click here.
The least recommended method to get comparison rates is to spend time driving to local insurance agencies. Shopping for insurance online has reduced the need for local agents unless you have a need for the personal advice of a local agent. It is possible to price shop your coverage online but still have the advice of a local agent and we’ll cover that in a bit.

Whichever method you choose, double check that you are using the exact same coverage limits for every company. If you use higher or lower deductibles it will be impossible to find the best deal for your Toyota Camry.

Toyota Camry insurance rates can be determined by these details

It’s important that you understand the rating factors that help determine auto insurance rates. Understanding what controls the rates you pay helps enable you to make changes that can help you get lower auto insurance prices.

Discounts for married couples – Having a wife or husband helps lower the price when buying auto insurance. Having a significant other usually means you are more mature and responsible and it’s statistically proven that drivers who are married are more cautious.
Pleasure use saves money – The higher the mileage driven in a year the higher your rate. Almost all companies rate vehicles determined by how the vehicle is used. Cars and trucks left parked in the garage can get a lower rate than those used for commuting. Make sure your auto insurance declarations sheet is showing the correct usage for each vehicle, because it can save money. If your policy improperly rates your Camry may be costing you.
Little extras can really add up – There are many extra bells and whistles that you can get tricked into buying on your auto insurance policy. Coverages for vanishing deductibles, accidental death and additional equipment coverage are examples of these. These may sound like a good investment when talking to your agent, but now you might not need them so eliminate them to save money.
Your age impacts your rates – More mature drivers are more responsible, tend to file fewer claims and receive fewer citations. Young drivers tend to be careless and easily distracted when driving and because of this, their auto insurance rates are much higher.
Your job and insurance rates – Did you know that where you work can have an impact on rates? Occupations such as real estate brokers, architects and dentists are shown to have the highest average rates in part from stressful work requirements and lengthy work days. Other professions such as pilots, historians and homemakers pay the least for Camry coverage.

Discounts are great for lower rates

Properly insuring your vehicles can get expensive, but discounts can save money and there are some available to reduce the price significantly. A few discounts will automatically apply when you get a quote, but lesser-known reductions have to be asked about before you will receive the discount. If you’re not getting every credit you deserve, you’re paying more than you need to.

Multiple Cars – Insuring all your vehicles on one policy qualifies for this discount.
Theft Prevention Discount – Cars that have factory anti-theft systems help deter theft and will save you 10% or more.
Drivers Education – Cut your cost by having your teen driver enroll in driver’s education if it’s offered in school.
Federal Employees – Simply working for the federal government could cut as much as 10% off for Camry coverage with a few insurance companies.
One Accident Forgiven – A few companies allow you one accident before your rates go up as long as you don’t have any claims for a set time period.
Payment Method – If you pay your bill all at once instead of paying each month you may reduce your total bill.
Distant Student – Children who live away from home and do not have a car can be insured at a reduced rate.
Sign Online – A handful of insurance companies will discount your bill up to fifty bucks simply for signing on their website.
55 and Retired – If you qualify as a senior citizen, you may receive reduced rates for Camry coverage.

It’s important to understand that some of the credits will not apply to your bottom line cost. Some only reduce individual premiums such as liability, collision or medical payments. Just because it seems like you can get free auto insurance, it just doesn’t work that way. But all discounts will reduce your premiums.

Companies that may have these money-saving discounts may include but are not limited to:

Check with each insurance company how you can save money. All car insurance discounts may not apply in your state.

You may need specialized coverage

When it comes to buying coverage for your vehicles, there really is no one size fits all plan. Every insured’s situation is different so your insurance needs to address that. These are some specific questions might help in determining whether or not you will benefit from professional help.

How can I force my company to pay a claim?
Do I need medical payments coverage since I have good health insurance?
Will my insurance pay for OEM parts?
Why do I need rental car insurance?
Does insurance cover tools stolen from my truck?
What discounts do I qualify for?

If you can’t answer these questions but one or more may apply to you, then you may want to think about talking to a licensed insurance agent. To find an agent in your area, simply complete this short form or you can go here for a list of companies in your area. It only takes a few minutes and you can get the answers you need.

Car insurance coverage considerations

Knowing the specifics of your car insurance policy aids in choosing the best coverages at the best deductibles and correct limits. Car insurance terms can be difficult to understand and even agents have difficulty translating policy wording. These are typical coverages available from car insurance companies.

Med pay and Personal Injury Protection (PIP)

Personal Injury Protection (PIP) and medical payments coverage provide coverage for expenses like dental work, ambulance fees and prosthetic devices. They can be used to cover expenses not covered by your health insurance plan or if you lack health insurance entirely. They cover not only the driver but also the vehicle occupants in addition to being hit by a car walking across the street. PIP is not an option in every state and may carry a deductible

Liability

This coverage provides protection from damage that occurs to other’s property or people in an accident. It protects YOU against claims from other people, and does not provide coverage for your injuries or vehicle damage.

It consists of three limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. As an example, you may have values of 100/300/100 that translate to a $100,000 limit per person for injuries, a limit of $300,000 in injury protection per accident, and $100,000 of coverage for damaged propery. Some companies may use a combined single limit or CSL which provides one coverage limit with no separate limits for injury or property damage.

Liability coverage pays for things like repair costs for stationary objects, repair bills for other people’s vehicles, attorney fees, bail bonds and funeral expenses. How much liability coverage do you need? That is your choice, but it’s cheap coverage so purchase higher limits if possible.

Comprehensive insurance

This pays for damage that is not covered by collision coverage. You first have to pay a deductible and then insurance will cover the rest of the damage.

Comprehensive insurance covers claims such as a tree branch falling on your vehicle, hitting a deer and damage from a tornado or hurricane. The maximum payout you’ll receive from a claim is the cash value of the vehicle, so if the vehicle is not worth much consider dropping full coverage.

Collision coverage

This coverage pays to fix your vehicle from damage from colliding with a stationary object or other vehicle. You have to pay a deductible and the rest of the damage will be paid by collision coverage.

Collision coverage protects against things like hitting a parking meter, crashing into a building, colliding with another moving vehicle, crashing into a ditch and scraping a guard rail. Collision is rather expensive coverage, so you might think about dropping it from older vehicles. Drivers also have the option to raise the deductible to get cheaper collision coverage.

Uninsured/Underinsured Motorist (UM/UIM)

This coverage protects you and your vehicle’s occupants from other drivers when they are uninsured or don’t have enough coverage. Covered losses include injuries sustained by your vehicle’s occupants and damage to your Toyota Camry.

Due to the fact that many drivers only carry the minimum required liability limits, it doesn’t take a major accident to exceed their coverage limits. For this reason, having high UM/UIM coverages should not be overlooked. Normally the UM/UIM limits are similar to your liability insurance amounts.

Best coverage at the best price

Discount 1993 Toyota Camry insurance can be bought both online as well as from independent agents, so you should compare both to have the best selection. Some insurance coverage companies don’t offer the ability to get a quote online and most of the time these smaller companies sell through independent agents.

In this article, we presented some good ideas how to lower your insurance rates. It’s most important to understand that the more rate comparisons you have, the better your chances of lowering your rates. You may be surprised to find that the best prices are with some of the smallest insurance companies. These smaller insurers may often insure only within specific states and give getter rates than the large multi-state companies such as State Farm, Geico and Nationwide.