Lower Your 2002 Toyota Camry Solara Insurance Rates

People new to comparing rates online will discover finding affordable car insurance quite challenging.

Compare the Market for Auto Insurance

When shopping for auto insurance there are multiple ways of comparing rate quotes from local auto insurance companies. The quickest method to find competitive 2002 Toyota Camry Solara insurance rates involves getting comparison quotes online. It is quite easy and can be accomplished in just a few minutes using one of these methods.

1. Probably the best way consumers can make multiple comparisons is an all-inclusive rate comparison like this one (opens in new window). This form saves time by eliminating multiple quote forms to each individual auto insurance company. Just one form will return price quotes from many national carriers. It’s the fastest way to compare.
2. A less efficient way to get comparison quotes is to manually visit each company’s website and fill out their own quote form. For examples sake, let’s say you want to compare Nationwide, State Farm and Progressive. You would have to take the time to go to each site and enter your policy data, which is why most consumers use the first method.

   To view a list of companies in your area, click here.

3. The least recommended method of comparing rate quotes is to spend your day driving to local insurance agencies. The ability to buy insurance online has reduced the need for local agents unless you prefer the professional guidance of a local agent. Drivers can obtain prices from the web but still have the advice of a local agent. We’ll cover that shortly.

It’s your choice how you get your quotes, but make absolute certain that you use apples-to-apples coverages for each price quote. If you enter different limits and deductibles on each one you can’t possibly find the best deal for your Toyota Camry Solara. Slightly different insurance coverages may result in a large different in cost. And when comparison shopping, quoting more will increase your chances of finding lower pricing.

Different people need different coverages

When it comes to buying coverage, there isn’t really a one size fits all plan. Everyone’s needs are different.

For instance, these questions may help you determine whether you will benefit from professional help.

• Do I need more liability coverage?
• Is extra glass coverage worth it?
• Am I covered if I break a side mirror?
• What are the financial responsibility laws in my state?
• Do I need roadside assistance coverage?
• If I drive on a suspended license am I covered?

If you can’t answer these questions, then you may want to think about talking to an agent. If you want to speak to an agent in your area, simply complete this short form.

Coverages available on your policy

Having a good grasp of a insurance policy can be of help when determining the best coverages and proper limits and deductibles. Insurance terms can be impossible to understand and coverage can change by endorsement.

Uninsured/Underinsured Motorist coverage – Your UM/UIM coverage gives you protection from other drivers when they are uninsured or don’t have enough coverage. This coverage pays for injuries to you and your family and damage to your Toyota Camry Solara.

Because many people only purchase the least amount of liability that is required, it doesn’t take a major accident to exceed their coverage limits. That’s why carrying high Uninsured/Underinsured Motorist coverage is important protection for you and your family.

Liability insurance – This coverage protects you from damage that occurs to other people or property by causing an accident. This insurance protects YOU from legal claims by others, and doesn’t cover damage to your own property or vehicle.

Split limit liability has three limits of coverage: bodily injury per person, bodily injury per accident and property damage. You commonly see values of 50/100/50 which stand for $50,000 in coverage for each person’s injuries, $100,000 for the entire accident, and $50,000 of coverage for damaged propery.

Liability insurance covers things like medical expenses, attorney fees, repair costs for stationary objects, court costs and bail bonds. How much coverage you buy is a decision to put some thought into, but consider buying as high a limit as you can afford.

Collision coverages – Collision insurance pays to fix your vehicle from damage resulting from colliding with a stationary object or other vehicle. You will need to pay your deductible then your collision coverage will kick in.

Collision insurance covers claims like backing into a parked car, sideswiping another vehicle, hitting a parking meter and damaging your car on a curb. Paying for collision coverage can be pricey, so analyze the benefit of dropping coverage from older vehicles. You can also bump up the deductible in order to get cheaper collision rates.

Medical payments coverage and PIP – Med pay and PIP coverage kick in for short-term medical expenses for things like pain medications, doctor visits and surgery. They are often used to cover expenses not covered by your health insurance program or if there is no health insurance coverage. Medical payments and PIP cover both the driver and occupants and also covers if you are hit as a while walking down the street. PIP coverage is not available in all states and gives slightly broader coverage than med pay

Comprehensive coverage – Comprehensive insurance coverage pays for damage OTHER than collision with another vehicle or object. You first have to pay a deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage pays for claims like damage from flooding, theft, damage from a tornado or hurricane and a broken windshield. The maximum amount a insurance company will pay at claim time is the ACV or actual cash value, so if the vehicle’s value is low it’s probably time to drop comprehensive insurance.