Save on 2010 Toyota Camry Car Insurance Quotes

Finding cheaper insurance for a Toyota Camry can normally be difficult, but you can follow the following methods to save time.

There is a right way and a wrong way to find insurance online and we’ll show you the quickest way to quote coverages on a Toyota and obtain the best price possible.

How to Compare Car Insurance

Shopping for lower car insurance rates can take hours if you don’t utilize the easiest way. You can waste a few hours (or days) talking about coverages with agents in your area, or you can utilize online quoting to accomplish the same thing much quicker.

Many insurance companies participate in a marketplace that enables customers to submit one quote, and each company can provide price quotes based on the submitted data. This prevents consumers from doing quote requests to each individual car insurance company.

To find out how much you’re overpaying now click here to open in new window.

One minor caviat to comparing rates this way is that consumers can’t choose which carriers to get pricing from. So if you prefer to pick specific insurance companies to compare prices, we have a listing of companies who write car insurance in your area. View list of insurance companies.

Whichever method you choose, ensure you’re using exactly the same deductibles and coverage limits on every quote you get. If you enter mixed coverages you will not be able to determine which rate is truly the best.

Discounts to lower Toyota Camry insurance rates

Properly insuring your vehicles can get expensive, but you may find discounts to reduce the price significantly. Larger premium reductions will be automatically applied when you complete an application, but some may not be applied and must be asked for before you get the savings. If you don’t get every credit possible, you are paying more than you should be.

  • Life Insurance Discount – Larger companies have a discount if you purchase life insurance from them.
  • Fewer Miles Equal More Savings – Keeping the miles down on your Toyota could be rewarded with a substantially lower rate.
  • No Accidents – Claim-free drivers can save substantially when compared with drivers who are more careless.
  • Multiple Policy Discount – When you combine your home and auto insurance with one insurance company you may earn 10% to 20% off each policy.
  • Paperless Signup – Some insurance companies will give a small break just for signing your application over the internet.

It’s important to note that many deductions do not apply to all coverage premiums. Most only cut the cost of specific coverages such as liability, collision or medical payments. So when the math indicates it’s possible to get free car insurance, companies don’t profit that way. Any amount of discount will help reduce your overall premium however.

Insurance companies who might offer these benefits are:

It’s a good idea to ask each company which discounts you may be entitled to. All car insurance discounts may not be available in your area.

What determines your Toyota Camry insurance premium

Smart consumers have a good feel for some of the elements that help determine insurance rates. Understanding what influences your rates empowers consumers to make smart changes that could result in lower insurance prices.

  • Liability coverage protects you – Liability insurance is the coverage that protects you if ever a jury decides you are liable for personal injury or accident damage. Liability insurance provides you with a defense in court up to the limits shown on your policy. This coverage is very inexpensive compared to physical damage coverage, so do not cut corners here.
  • Do you know your deductibles? – Physical damage deductibles define the amount you are required to spend out-of-pocket before your insurance pays a claim. Insurance for physical damage to your car, otherwise known as comp (or other than collision) and collision, covers damage that occurs to your car. Examples of covered claims could be running into the backend of another car, vandalism, and burglary. The more expense you’re willing to pay, the less your insurance will be on Camry insurance.
  • Better credit means lower rates – Having a bad credit rating is a big factor in calculating your insurance rates. Consumers who have high credit ratings tend to be less risk to insure than those with lower credit ratings. If your credit can use some improvement, you could potentially save money when insuring your 2010 Toyota Camry by improving your credit score.
  • One company can mean more discounts – Most companies give discounts to customers who consolidate policies with them such as combining an auto and homeowners policy. Discounts can add up to anywhere from five to ten percent in most cases. Even if you’re getting this discount you still need to compare other company rates to confirm you are receiving the best rates possible. You may still be able to find a better deal by insuring with multiple companies.

Tailor your coverage to you

When it comes to choosing proper insurance coverage, there really is not a single plan that fits everyone. Every situation is different.

For instance, these questions may help highlight if your situation could use an agent’s help.

  • Should I get collision insurance on every vehicle?
  • Can I afford low physical damage deductibles?
  • Does my policy cover me when driving someone else’s vehicle?
  • What can I do if my company denied a claim?
  • Are all vehicle passengers covered by medical payments coverage?
  • Does my insurance cover damage caused when ticketed for reckless driving?
  • Can I get a multi-policy discount?

If you don’t know the answers to these questions but you think they might apply to your situation, then you may want to think about talking to a licensed agent. If you don’t have a local agent, fill out this quick form. It’s fast, free and may give you better protection.

Slick advertising tricks that work

Consumers get pounded daily by advertisements for cheaper car insurance by companies like Progressive, Allstate and Geico. All the companies say the same thing of big savings if you switch to them.

How do they all make almost identical claims? This is how they do it.

Different companies have a preferred profile for the driver that makes them money. For example, a driver they prefer could be between the ages of 40 and 55, owns a home, and has excellent credit. A driver who meets those qualifications will qualify for the lowest rates and therefore will pay quite a bit less when switching companies.

Potential insureds who don’t meet the “perfect” profile must pay a more expensive rate which usually ends up with business not being written. Company advertisements say “drivers who switch” not “everyone that quotes” save that much money. That’s why insurance companies can advertise the way they do.

This illustrates why it’s extremely important to get as many quotes as possible. It’s not possible to predict which car insurance company will provide you with the cheapest Toyota Camry insurance rates.

Insurance coverage considerations

Knowing the specifics of your insurance policy can be of help when determining the best coverages for your vehicles. Insurance terms can be confusing and even agents have difficulty translating policy wording.

Collision protection

This coverage will pay to fix damage to your Camry caused by collision with another vehicle or an object, but not an animal. You first must pay a deductible and the rest of the damage will be paid by collision coverage.

Collision insurance covers things like hitting a parking meter, colliding with a tree, colliding with another moving vehicle and sustaining damage from a pot hole. Collision is rather expensive coverage, so analyze the benefit of dropping coverage from vehicles that are older. You can also choose a higher deductible in order to get cheaper collision rates.

Coverage for uninsured or underinsured drivers

This coverage gives you protection from other drivers when they are uninsured or don’t have enough coverage. Covered losses include hospital bills for your injuries and damage to your Toyota Camry.

Because many people only purchase the least amount of liability that is required, their limits can quickly be used up. This is the reason having UM/UIM coverage is a good idea. Normally these coverages are similar to your liability insurance amounts.

Comprehensive insurance

Comprehensive insurance coverage covers damage caused by mother nature, theft, vandalism and other events. You need to pay your deductible first and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive coverage pays for claims such as a broken windshield, a tree branch falling on your vehicle, rock chips in glass, hitting a bird and vandalism. The maximum amount a insurance company will pay at claim time is the actual cash value, so if the vehicle is not worth much it’s not worth carrying full coverage.

Liability

Liability insurance provides protection from damages or injuries you inflict on people or other property that is your fault. It protects you from legal claims by others, and doesn’t cover damage sustained by your vehicle in an accident.

Coverage consists of three different limits, per person bodily injury, per accident bodily injury, and a property damage limit. Your policy might show limits of 100/300/100 which means $100,000 in coverage for each person’s injuries, a limit of $300,000 in injury protection per accident, and property damage coverage for $100,000. Alternatively, you may have a combined single limit or CSL which limits claims to one amount without having the split limit caps.

Liability coverage protects against things such as attorney fees, repair bills for other people’s vehicles, funeral expenses, loss of income and medical expenses. The amount of liability coverage you purchase is up to you, but you should buy as high a limit as you can afford.

Coverage for medical expenses

Medical payments and Personal Injury Protection insurance provide coverage for short-term medical expenses like funeral costs, surgery and pain medications. The coverages can be used in conjunction with a health insurance plan or if you are not covered by health insurance. They cover all vehicle occupants and also covers any family member struck as a pedestrian. PIP is not available in all states but can be used in place of medical payments coverage

In any little way, save everyday

Drivers change insurance companies for a variety of reasons including policy cancellation, unfair underwriting practices, policy non-renewal and being labeled a high risk driver. It doesn’t matter why you want to switch choosing a new company is not as hard as you think.

The cheapest 2010 Toyota Camry insurance can be found from both online companies in addition to many insurance agents, and you need to comparison shop both in order to have the best chance of saving money. There are still a few companies who do not provide the ability to get a quote online and most of the time these smaller companies sell through independent agents.

We just covered many ways to shop for insurance online. The key concept to understand is the more times you quote, the higher your chance of finding lower rates. You may even find the most savings is with the least-expected company.

Additional auto insurance information can be read on the following sites: