View 1997 Toyota Camry Insurance Quotes

Are you intimidated by the wide range of insurance coverage company choices? Lot’s of other consumers are too. Drivers have so many choices that it can turn into a challenge to find the perfect company for you.

Finding affordable coverage is easy if you know what you’re doing. Essentially everyone who is required by state law to have car insurance will more than likely be able to reduce their rates. Although car owners do need to understand how companies market on the web and take advantage of how the system works.

Discounts mean cheaper 1997 Toyota Camry insurance rates

Car insurance companies don’t always advertise every available discount very well, so the following is a list of some of the more common and also the lesser-known insurance savings.

  • Homeowners Discount – Simply owning a home may trigger a insurance policy discount because of the fact that having a home demonstrates responsibility.
  • Pay Now and Pay Less – If paying your policy premium upfront instead of making monthly payments you can actually save on your bill.
  • Driver Safety – Taking a course teaching defensive driving skills could possibly earn you a 5% discount and easily recoup the cost of the course.
  • Braking Control Discount – Vehicles equipped with ABS or steering control are safer to drive and qualify for as much as a 10% discount.
  • Discount for Good Grades – Getting good grades can get you a discount of up to 25%. Earning this discount can benefit you until age 25.
  • Save with a New Car – Insuring a new car can be considerably cheaper compared to insuring an older model.
  • Multiple Cars – Having all your vehicles with the same company could earn a price break for each car.
  • Clubs and Organizations – Being a member of a qualifying organization could qualify you for a break on insurance on Camry coverage.
  • Discount for Life Insurance – Select insurance companies reward you with better rates if you take out a life insurance policy as well.

A little note about advertised discounts, most credits do not apply to all coverage premiums. Some only apply to the cost of specific coverages such as liability and collision coverage. So even though they make it sound like you would end up receiving a 100% discount, insurance companies aren’t that generous.

To see a list of insurers with the best insurance discounts, click this link.

Where Can I Get Cheap Auto Insurance?

The are a couple different ways to compare rate quotes from auto insurance companies in your area. The easiest way to find the lowest 1997 Toyota Camry rates is to get quotes online. This is very easy and can be done in a couple of different ways.

The first (and easiest) way to find the lowest comparison rates is to use a rate comparison form (click to open form in new window). This method keeps you from doing multiple quote forms for each company you want a rate for. One form will return quotes from several companies. It’s definitely the quickest method.

A more difficult way to compare rate quotes is going to each company’s website to request a price quote. For sake of this example, we’ll assume you want to compare rates from Nationwide, Allstate and Farmers. To find out each rate you need to spend time on each company’s site and enter your policy data, and that’s why the first method is more popular.

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

However you get your quotes, ensure you’re using apples-to-apples coverage limits and deductibles for every company. If you use higher or lower deductibles it will be next to impossible to find the best deal for your Toyota Camry. Having just a slight variation in coverages may cause a big price difference. And when price shopping your coverage, obtaining a wide range of quotes will increase your chances of finding the best offered rates.

Toyota Camry rates influenced by many factors

Consumers need to have an understanding of the different types of things that play a part in calculating the price you pay for insurance. When you know what positively or negatively influences your rates enables informed choices that may reward you with big savings.

  • How your age affects price – Youthful drivers have a tendency to be careless and easily distracted when behind the wheel so they pay higher insurance rates. Older insureds are more cautious drivers, tend to file fewer claims and tend to be better behind the wheel.
  • Do you have a high stress job? – Did you know that where you work can have an impact on rates? Occupations like doctors, architects and accountants have higher rates than average attributed to high stress levels and long work hours. On the flip side, occupations such as scientists, athletes and performers get better rates on Camry coverage.
  • Low deductibles can be expensive – Physical damage coverage, commonly called comprehensive (or other-than-collision) and collision coverage, is used to repair damage to your Toyota. A few examples of covered claims would be collision with another vehicle, damage from fire, and windstorm damage. Your deductibles are how much you are willing to pay in the event of a claim. The higher the amount you have to pay, the bigger discount you will receive on Camry coverage.
  • Add-on coverages can add up – There are many extra coverages that you can buy on your 1997 Camry policy. Things like roadside assistance, towing coverage and membership fees are some examples. They may seem good when you first buy your policy, but your needs may have changed so remove them from your policy.
  • Don’t sacrifice liability coverage – Liability insurance is the protection in the event that a court rules you are at fault for damages from an accident. Liability insurance provides legal defense coverage up to the limits shown on your policy. Liability is cheap compared to physical damage coverage, so do not skimp.

Tailor your coverage to you

When choosing the best insurance coverage coverage, there isn’t really a best way to insure your cars. Every situation is different.

For instance, these questions could help you determine whether or not you might need professional guidance.

  • When does my teenage driver need to be added to my policy?
  • Who is covered when they drive my 1997 Toyota Camry?
  • Do I need added coverage for expensive stereo equipment?
  • How can I force my company to pay a claim?
  • When should I drop full coverage on my 1997 Toyota Camry?
  • Is pleasure use cheaper than using my 1997 Toyota Camry to commute?
  • Are all vehicle passengers covered by medical payments coverage?

If you don’t know the answers to these questions, then you may want to think about talking to an insurance agent. To find an agent in your area, fill out this quick form.

Drivers who switch save $453 a year? Really?

Geico, State Farm and Progressive constantly bombard you with ads on TV and radio. All the companies make an identical promise about savings if you switch to them. How can each company say the same thing?

Different companies are able to cherry pick for the type of customer they prefer to insure. For example, a profitable customer might be between the ages of 40 and 55, is a homeowner, and drives less than 7,500 miles a year. Any new insured who fits that profile receives the best rates and most likely will pay quite a bit less when switching companies.

Potential insureds who don’t meet this ideal profile will have to pay a higher premium and ends up with the driver buying from a lower-cost company. The ads state “people who switch” but not “drivers who get quotes” save that much. That’s why insurance companies can make those claims. Because of the profiling, drivers should get as many quotes as possible. It is impossible to predict which insurance companies will fit your personal profile best.

Auto insurance coverage specifics

Understanding the coverages of a auto insurance policy helps when choosing which coverages you need and the correct deductibles and limits. The terms used in a policy can be confusing and reading a policy is terribly boring.

Medical expense insurance

Personal Injury Protection (PIP) and medical payments coverage provide coverage for expenses such as funeral costs, rehabilitation expenses, EMT expenses, ambulance fees and dental work. The coverages can be used to cover expenses not covered by your health insurance policy or if you do not have health coverage. It covers both the driver and occupants and will also cover being hit by a car walking across the street. PIP is not an option in every state but can be used in place of medical payments coverage

Liability insurance

This provides protection from damage or injury you incur to other’s property or people. This insurance protects YOU against claims from other people, and doesn’t cover your own vehicle damage or injuries.

Liability coverage has three limits: bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. Your policy might show liability limits of 50/100/50 that means you have $50,000 in coverage for each person’s injuries, a limit of $100,000 in injury protection per accident, and a total limit of $50,000 for damage to vehicles and property.

Liability coverage protects against claims like bail bonds, medical expenses and funeral expenses. How much coverage you buy is a personal decision, but you should buy as high a limit as you can afford.

Protection from uninsured/underinsured drivers

This protects you and your vehicle from other motorists when they either have no liability insurance or not enough. It can pay for hospital bills for your injuries and also any damage incurred to your 1997 Toyota Camry.

Because many people have only the minimum liability required by law, it only takes a small accident to exceed their coverage. This is the reason having UM/UIM coverage is a good idea.

Collision coverage protection

This coverage pays for damage to your Camry from colliding with another car or object. You first must pay a deductible and then insurance will cover the remainder.

Collision insurance covers claims such as crashing into a building, backing into a parked car and crashing into a ditch. Collision coverage makes up a good portion of your premium, so consider removing coverage from vehicles that are older. You can also choose a higher deductible to save money on collision insurance.

Comprehensive (Other than Collision)

Comprehensive insurance pays to fix your vehicle from damage OTHER than collision with another vehicle or object. You first must pay your deductible and then insurance will cover the rest of the damage.

Comprehensive can pay for claims such as damage from getting keyed, falling objects, hitting a bird, a broken windshield and theft. The maximum payout your auto insurance company will pay is the ACV or actual cash value, so if the vehicle is not worth much consider dropping full coverage.

Saving money is sweet as honey

In this article, we presented a lot of tips how to shop for 1997 Toyota Camry insurance online. The key thing to remember is the more times you quote, the higher the chance of saving money. Consumers could even find that the lowest rates come from a company that doesn’t do a lot of advertising.

Budget-conscious insurance can be purchased on the web and with local insurance agents, so you should be comparing quotes from both to have the best chance of lowering rates. Some companies do not offer the ability to get a quote online and many times these smaller companies only sell through independent insurance agents.

As you go through the steps to switch your coverage, it’s a bad idea to skimp on critical coverages to save a buck or two. In many cases, an accident victim reduced physical damage coverage and discovered at claim time that their decision to reduce coverage ended up costing them more. Your strategy should be to find the BEST coverage for the lowest price.

Additional detailed information is available in the articles below: