How Much Does 1999 Toyota Camry Solara Insurance Cost?

Finding low-cost insurance for a Toyota Camry Solara can turn out to be a painful process, but you can use a few tricks to save time.

There is a better way to shop for car insurance and we’ll show you the absolute fastest way to compare rates for a new or used Toyota and get the lowest price from local insurance agents and online providers.

Consumers should take time to check car insurance prices periodically since rates trend upward over time. Despite the fact that you may have had the best deal for Camry Solara coverage six months ago other companies may now be cheaper. You’ll find quite a bit of inaccurate information about car insurance on the web, but I’m going to show you a lot of great tips on how to find cheap car insurance.

Shopping for affordable protection is quite easy. If you are insured now or are looking for a new policy, you can use these techniques to shop for the lowest rates and possibly find even better coverage. Consumers just need to learn the most effective way to compare price quotes on the web.

How to Lower Your Insurance Cost

Cutting your insurance rates can be quick and easy. The only thing you need to do is spend a few minutes comparing rates provided by online insurance companies. This can be accomplished in several different ways.

1. The single most time-saving way to find the lowest comparison rates is a comparison rater form like this one (opens in new window). This method eliminates the need for a different quote for every insurance company. One simple form gets you price quotes from multiple low-cost companies. It’s the fastest way to compare.
2. A slightly less efficient method to get comparison quotes is to take the time to go to the website for each individual company to complete their respective quote request forms. For instance, let’s assume you want rates from Auto-Owners, Progressive and American Family. To get each rate you have to take the time to go to each site to enter your coverage information, which is why the first method is more popular. To view a list of companies in your area, click here.

It’s up to you which method you use, but double check that you are using the exact same coverages for every quote you compare. If the quotes have different limits and deductibles on each one it’s not possible to determine the best price for your Toyota Camry Solara.

Tailor your coverage to you

When it comes to buying the right insurance coverage, there isn’t really a one size fits all plan. Coverage needs to be tailored to your specific needs.

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

• Who is covered when they drive my 1999 Toyota Camry Solara?
• Can my teen drive my company car?
• Which is better, split liability limits or combined limits?
• Am I better off with higher deductibles on my 1999 Toyota Camry Solara?
• Where can I find high-risk insurance?
• What is an SR-22 filing?
• Am I covered if I wreck a rental car?
• Why do I only qualify for high-risk insurance?
• Does my insurance cover damage caused when ticketed for reckless driving?
• Are all vehicle passengers covered by medical payments coverage?

If you’re not sure about those questions but a few of them apply, you might consider talking to an agent. To find an agent in your area, simply complete this short form. It only takes a few minutes and may give you better protection.

Auto insurance coverage options for a Toyota Camry Solara

Understanding the coverages of your auto insurance policy can help you determine appropriate coverage for your vehicles. The coverage terms in a policy can be difficult to understand and coverage can change by endorsement.

Liability insurance

This provides protection from damages or injuries you inflict on other’s property or people. This insurance protects YOU from legal claims by others, and does not provide coverage for damage to your own property or vehicle.

Liability coverage has three limits: bodily injury per person, bodily injury per accident and property damage. You commonly see liability limits of 50/100/50 which stand for a $50,000 limit per person for injuries, a limit of $100,000 in injury protection per accident, and a total limit of $50,000 for damage to vehicles and property. Another option is a combined single limit or CSL which limits claims to one amount without having the split limit caps.

Liability can pay for things such as emergency aid, loss of income and bail bonds. How much coverage you buy is a decision to put some thought into, but consider buying higher limits if possible.

UM/UIM (Uninsured/Underinsured Motorist) coverage

Your UM/UIM coverage protects you and your vehicle’s occupants when other motorists either have no liability insurance or not enough. Covered losses include medical payments for you and your occupants and also any damage incurred to your Toyota Camry Solara.

Due to the fact that many drivers only carry the minimum required liability limits, their liability coverage can quickly be exhausted. So UM/UIM coverage is a good idea. Most of the time the UM/UIM limits do not exceed the liability coverage limits.

Medical payments and PIP coverage

Coverage for medical payments and/or PIP reimburse you for short-term medical expenses such as EMT expenses, ambulance fees, dental work, surgery and hospital visits. They can be used to cover expenses not covered by your health insurance plan or if there is no health insurance coverage. It covers both the driver and occupants and will also cover getting struck while a pedestrian. Personal injury protection coverage is not available in all states and may carry a deductible

Comprehensive auto coverage

This coverage will pay to fix damage OTHER than collision with another vehicle or object. You first must pay your deductible then your comprehensive coverage will pay.

Comprehensive can pay for things like vandalism, fire damage and hail damage. The maximum amount you’ll receive from a claim is the market value of your vehicle, so if it’s not worth much more than your deductible consider removing comprehensive coverage.

Collision coverage protection

This pays to fix your vehicle from damage resulting from colliding with a stationary object or other vehicle. You have to pay a deductible then your collision coverage will kick in.

Collision coverage protects against things like colliding with another moving vehicle, crashing into a building, crashing into a ditch and colliding with a tree. Collision is rather expensive coverage, so consider removing coverage from older vehicles. Drivers also have the option to raise the deductible to save money on collision insurance.