2004 Toyota Camry Insurance Rates

Trying to find lower car insurance rates for your Toyota Camry? Perplexed by the dozens of car insurance company choices? You have a lot of company. People have so many choices that it can quickly become a real challenge to find the lowest price.

It’s a great practice to take a look at other company’s rates periodically because insurance rates change frequently. Just because you had the best rates for Camry coverage last year there is a good chance you can find better rates now. Forget all the misinformation about car insurance because I’m going to let you in on the secrets to how to use online quotes to save money, get proper deductibles and limits, all at the lowest rate.

Choosing the best insurance company for you is easy if you know what you’re doing. In a nutshell, every vehicle owner who carries insurance coverage will be able to save money. Nevertheless, drivers must know how big insurance companies sell insurance online because it can help you find the best coverage.

Auto Insurance Comparison Rates

Performing a rate comparison can be exhausting if you don’t know the most efficient way. You can waste a lot of time talking about coverages with insurance companies in your area, or you can utilize the web to achieve your goal.

The majority of car insurance companies belong to a marketplace where prospective buyers enter their coverage request one time, and each company returns a rated price. This eliminates the need for quote requests for every auto insurance company. To fill out one form to compare multiple rates now click here (opens in new window).

The single downside to using this type of form is that consumers can’t choose which insurance companies to receive prices from. So if you prefer to choose individual companies to request quotes from, we have a listing of auto insurance companies in your area. View list of insurance companies.

Whichever way you use, make darn sure you compare apples-to-apples information with every price quote. If you compare different limits and deductibles on each one it will be impossible to determine the best price for your Toyota Camry. Having just a slight variation in limits could mean much higher rates. And when comparing auto insurance rates, know that quoting more provides better odds of finding the best price.

Pay less for 2004 Toyota Camry insurance

Companies don’t always advertise all available discounts very well, so we took the time to find both the well known and the more hidden discounts you could be receiving.

  • Seat Belts Save – Requiring all passengers to wear their seat belts can save 10% or more off your PIP or medical payments premium.
  • Passive Restraints – Factory air bags can get savings of more than 20%.
  • Lower Rates for Military – Being deployed with a military unit could be rewarded with lower premiums.
  • Low Mileage – Keeping the miles down on your Toyota can qualify you for better rates on cars that stay parked.
  • Safe Drivers – Drivers who don’t get into accidents may receive a discount up to 45% less for Camry coverage than less cautious drivers.

Keep in mind that most discount credits are not given the the whole policy. A few only apply to individual premiums such as medical payments or collision. So even though it sounds like all the discounts add up to a free policy, companies wouldn’t make money that way.

To see a list of providers with discount insurance rates, click here.

Tailor your coverage to you

When it comes to buying the best insurance coverage for your vehicles, there really is not a single plan that fits everyone. Every insured’s situation is different.

These are some specific questions could help you determine if you may require specific advice.

  • How many claims can I have before being cancelled?
  • Can I afford to pay high deductible claims out of pocket?
  • What is no-fault insurance?
  • Should I put collision coverage on all my vehicles?
  • Is my business laptop covered if it gets stolen from my vehicle?
  • How high should deductibles be on a 2004 Toyota Camry?

If you don’t know the answers to these questions but you know they apply to you, you may need to chat with an agent. To find lower rates from a local agent, simply complete this short form.

Insurance coverage specifics

Having a good grasp of your policy helps when choosing appropriate coverage and proper limits and deductibles. The coverage terms in a policy can be confusing and nobody wants to actually read their policy.

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

Comprehensive coverage pays for claims such as a broken windshield, damage from getting keyed, rock chips in glass and damage from a tornado or hurricane. The maximum payout you’ll receive from a claim is the ACV or actual cash value, so if the vehicle is not worth much consider removing comprehensive coverage.

Uninsured/Underinsured Motorist coverage – Your UM/UIM coverage gives you protection from other drivers when they do not carry enough liability coverage. It can pay for injuries sustained by your vehicle’s occupants as well as damage to your Toyota Camry.

Since a lot of drivers only purchase the least amount of liability that is required, it only takes a small accident to exceed their coverage. For this reason, having high UM/UIM coverages is important protection for you and your family.

Medical payments coverage and PIP – Med pay and PIP coverage kick in for immediate expenses such as dental work, EMT expenses and hospital visits. They can be used in conjunction with a health insurance program or if you are not covered by health insurance. It covers you and your occupants in addition to if you are hit as a while walking down the street. PIP coverage is not universally available and may carry a deductible

Collision coverages – Collision insurance covers damage to your Camry resulting from colliding with an object or car. A deductible applies and then insurance will cover the remainder.

Collision insurance covers claims such as rolling your car, hitting a mailbox, crashing into a ditch and sustaining damage from a pot hole. Collision coverage makes up a good portion of your premium, so consider removing coverage from vehicles that are older. You can also increase the deductible to save money on collision insurance.

Liability car insurance – This coverage protects you from damage or injury you incur to other’s property or people in an accident. This insurance protects YOU against claims from other people. Liability doesn’t cover damage sustained by your vehicle in an accident.

It consists of three limits, per person bodily injury, per accident bodily injury, and a property damage limit. As an example, you may have values of 100/300/100 that translate to a limit of $100,000 per injured person, $300,000 for the entire accident, and $100,000 of coverage for damaged propery.

Liability can pay for claims like attorney fees, structural damage, funeral expenses, loss of income and bail bonds. How much coverage you buy is up to you, but it’s cheap coverage so purchase as large an amount as possible.