1999 Toyota Camry Car Insurance Quotes

Shopping for low-cost car insurance online may be problematic for consumers not familiar with buying insurance online. With so many insurers to choose from, how can consumers even start to compare the different rates to find the best available price?

It’s a good idea to compare rates at least once a year because insurance rates change regularly. Just because you had the best rates for Camry coverage a few years ago there is a good chance you can find better rates now. Forget anything you know (or think you know) about car insurance because we’re going to demonstrate one of the easiest ways to find great coverage at a great price.

Auto Insurance Comparison Rates

To find the best auto insurance prices, there are several ways to get quotes from local auto insurance companies. The simplest method to find competitive 1999 Toyota Camry insurance rates involves getting comparison quotes online. This can be accomplished in a couple of different ways.

  • The most efficient way to find low rates is to use a rate comparison form (click to open form in new window). This method eliminates the need for separate quote forms for each company you want a rate for. One form submission compares rates from several companies. It’s definitely the quickest method.
  • A harder way to compare prices requires a trip to each company website to request a price quote. For examples sake, we’ll pretend you want comparison quotes from Progressive, Esurance and Farmers. To get each rate you have to go to every website and enter your information, which is why most consumers use the first method. For a handy list of car insurance company links in your area, click here.

However you get your quotes, make sure you use exactly the same coverage limits and deductibles for every company. If you have mixed coverages then you won’t be able to decipher which rate is best. Just a small difference in insurance coverages may result in a large different in cost. Just keep in mind that obtaining a wide range of quotes helps you find lower pricing.

Toyota Camry insurance rates are influenced by…

It’s important that you understand some of the elements that help determine the rates you pay for car insurance. Having a good understanding of what controls the rates you pay helps enable you to make changes that can help you get better car insurance rates.

The following are some of the factors that factor into your rates.

  • Your credit rating is important – Your credit score is a big factor in determining what you pay for car insurance. People with high credit ratings tend to be more responsible as compared to drivers with lower ratings. If your credit score is low, you could pay less to insure your 1999 Toyota Camry by spending a little time repairing your credit.
  • Better crash test results mean better rates – Safer cars tend to have better insurance rates. Safe vehicles protect occupants better and any reduction in injury severity means less money paid by your insurance company and lower rates for you. If the Toyota Camry is rated at least four stars on Safercar.gov you are probably receiving a discount.
  • Keep rates low by being claim-free – Insurance companies give cheaper rates to people who do not file claims often. If you tend to file frequent claims, you can pretty much guarantee either policy cancellation or increased premiums. Your insurance policy is designed for the large, substantial claims.
  • A lapse in coverage is a bad thing – Having an insurance coverage lapse will be a guaranteed way to pay more for car insurance. And not only will insurance be more expensive, but being ticketed for driving with no insurance might get you a license revocation or jail time.
  • Liability coverage protects you – Your policy’s liability coverage is the protection if a jury decides you are liable for personal injury or accident damage. It will provide you with a defense in court up to the limits shown on your policy. Carrying liability coverage is mandatory and cheap as compared to coverage for physical damage, so do not cut corners here.

How to save on Toyota Camry insurance

The cost of insuring your cars can be expensive, but you may find discounts that you may not even be aware of. Certain discounts will be triggered automatically at the time of purchase, but less common discounts must be specially asked for before being credited.

  • Homeowners Discount – Simply owning a home may earn you a small savings due to the fact that maintaining a home is proof that your finances are in order.
  • Braking Control Discount – Anti-lock brake equipped vehicles prevent accidents and qualify for as much as a 10% discount.
  • Low Mileage – Driving fewer miles can qualify you for a substantially lower rate.
  • Air Bag Discount – Vehicles with factory air bags and/or automatic seat belt systems may earn rate discounts of 20% or more.
  • E-sign – A few companies will give a small break for buying your policy digitally online.
  • Early Switch Discount – Some insurance companies reward drivers for signing up before your current policy expires. It’s a savings of about 10%.
  • Driver’s Ed – Make teen driver coverage more affordable by requiring them to take driver’s ed class if offered at their school.
  • Federal Government Employee – Simply working for the federal government could cut as much as 10% off for Camry coverage depending on your company.

Drivers should understand that some credits don’t apply the the whole policy. The majority will only reduce the price of certain insurance coverages like medical payments or collision. So even though it sounds like you can get free auto insurance, companies don’t profit that way. But all discounts will cut your premiums.

A partial list of companies that may offer these money-saving discounts are:

Before buying, ask all companies you are considering what discounts are available to you. Some discounts might not be offered in your area.

Tailor your coverage to you

When it comes to buying adequate coverage, there isn’t really a perfect coverage plan. Your needs are not the same as everyone else’s.

For instance, these questions may help highlight whether your personal situation might need an agent’s assistance.

  • Am I covered if my car is in a flood?
  • How does medical payments coverage work?
  • Does coverage extend to Mexico or Canada?
  • Why is insurance for a teen driver so high?
  • What can I do if my company denied a claim?
  • Does insurance cover damages from a DUI accident?

If you don’t know the answers to these questions but one or more may apply to you, you might consider talking to a licensed agent. If you want to speak to an agent in your area, fill out this quick form.

Auto insurance coverage information

Understanding the coverages of a auto insurance policy aids in choosing which coverages you need at the best deductibles and correct limits. Auto insurance terms can be difficult to understand and even agents have difficulty translating policy wording.

Coverage for medical expenses – Medical payments and Personal Injury Protection insurance provide coverage for bills such as hospital visits, doctor visits, X-ray expenses, surgery and prosthetic devices. They are utilized in addition to your health insurance policy or if you lack health insurance entirely. It covers you and your occupants in addition to any family member struck as a pedestrian. PIP is only offered in select states but it provides additional coverages not offered by medical payments coverage

Collision coverages – This coverage will pay to fix damage to your Camry from colliding with another vehicle or an object, but not an animal. A deductible applies and then insurance will cover the remainder.

Collision coverage protects against things like backing into a parked car, scraping a guard rail and driving through your garage door. Collision is rather expensive coverage, so you might think about dropping it from vehicles that are older. Drivers also have the option to increase the deductible to get cheaper collision coverage.

Coverage for uninsured or underinsured drivers – This provides protection when other motorists are uninsured or don’t have enough coverage. It can pay for hospital bills for your injuries and damage to your Toyota Camry.

Because many people carry very low liability coverage limits, their limits can quickly be used up. This is the reason having UM/UIM coverage is a good idea. Frequently these limits are similar to your liability insurance amounts.

Comprehensive auto insurance – This pays for damage from a wide range of events other than collision. You need to pay your deductible first then your comprehensive coverage will pay.

Comprehensive can pay for claims like hitting a bird, damage from flooding, vandalism and fire damage. The maximum amount your auto insurance company will pay is the market value of your vehicle, so if the vehicle’s value is low consider removing comprehensive coverage.

Liability coverage – Liability coverage provides protection from damage or injury you incur to people or other property by causing an accident. It protects you against claims from other people. Liability doesn’t cover damage sustained by your vehicle in an accident.

Split limit liability has three limits of coverage: per person bodily injury, per accident bodily injury, and a property damage limit. As an example, you may have policy limits of 50/100/50 that means you have a limit of $50,000 per injured person, a limit of $100,000 in injury protection per accident, and a limit of $50,000 paid for damaged property. Alternatively, you may have a combined single limit or CSL that pays claims from the same limit with no separate limits for injury or property damage.

Liability can pay for claims like structural damage, medical services and funeral expenses. The amount of liability coverage you purchase is up to you, but it’s cheap coverage so purchase as large an amount as possible.

One last thing about your coverage

When buying insurance coverage, it’s very important that you do not buy less coverage just to save a little money. There are many occasions where drivers have reduced liability coverage limits only to find out they didn’t purchase enough coverage. Your strategy should be to purchase a proper amount of coverage at a price you can afford while still protecting your assets.

We just presented some good ideas how to get a better price on 1999 Toyota Camry insurance. The key concept to understand is the more price quotes you have, the higher your chance of finding lower rates. You may be surprised to find that the biggest savings come from a small local company.

Lower-priced insurance can be found from both online companies and with local insurance agents, so you should compare both to have the best selection. Some insurance providers do not offer you the ability to get quotes online and most of the time these regional insurance providers sell through independent agents.

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