2012 Toyota Camry Insurance Quotes

Buyers have many options when searching for the lowest priced Toyota Camry insurance. You can either waste hours driving around to get rate comparisons or utilize the internet to get rate quotes. There are more efficient ways to buy auto insurance so we’re going to tell you the absolute fastest way to price shop coverage for a Toyota and obtain the cheapest rates from both online companies and local agents.

Vehicle Insurance Comparison

There are several ways to compare Toyota Camry car insurance quotes, but one way is more efficient than others. You can waste a lot of time talking to local insurance agents in your area, or you can utilize online quoting to get rates in a matter of minutes.

Most of the larger companies are enrolled in a marketplace where insurance shoppers enter their coverage request one time, and each company can give them a price. This prevents consumers from doing repetitive form submissions to every company.

To participate in this free quote system, click here to start a free quote.

The only drawback to comparing rates this way is that consumers can’t choose which companies to get quotes from. So if you want to choose from a list of companies to compare, we put together a list of the cheapest car insurance companies in your area. View list of insurance companies.

However you get your quotes, make sure you use the exact same coverages for every company. If you have higher or lower deductibles it will be next to impossible to decipher which rate is best.

Discounts can save BIG

Companies don’t always list all available discounts very clearly, so here is a list both the well known and the more hidden discounts you could be receiving. If you’re not getting every credit you qualify for, you are paying more than you should be.

Driver’s Ed – Require your teen driver to take driver’s ed class if offered at their school.
Sign Online – Certain companies give back up to $50 simply for signing on their website.
Discounts for Safe Drivers – Drivers who don’t get into accidents may save up to 50% more for Camry insurance than drivers with accident claims.
Auto/Home Discount – When you combine your home and auto insurance with the same company you may earn 10% to 20% off each policy.
Fewer Miles Equal More Savings – Keeping the miles down on your Toyota can earn better rates on cars that stay parked.
Discount for New Cars – Insuring a new car is cheaper due to better safety requirements for new cars.
Organization Discounts – Participating in a civic or occupational organization is a good way to get lower rates when buying auto insurance for Camry insurance.
Homeowners Discount – Owning a home may trigger a auto insurance policy discount because of the fact that having a home shows financial diligence.
Passive Restraints and Air Bags – Cars that have air bags or automatic seat belts may earn rate discounts up to 30%.

It’s important to note that some of the credits will not apply to your bottom line cost. Most only reduce the price of certain insurance coverages like medical payments or collision. So despite the fact that it appears adding up those discounts means a free policy, auto insurance companies aren’t that generous.

To see a list of insurers with discount auto insurance rates, click this link.

Will just any policy work for me?

When choosing coverage, there really is not a cookie cutter policy. Coverage needs to be tailored to your specific needs.

Here are some questions about coverages that may help highlight if your situation will benefit from professional help.

Are my tools covered if they get stolen from my vehicle?
When should my teen driver be added to my policy?
Should I sign the liability waiver when renting a car?
Does my policy cover my teen driver if they drive my company car?
Do I need medical payments coverage since I have good health insurance?
Should I buy only the required minimum liability coverage?

If you’re not sure about those questions, you may need to chat with an agent. If you want to speak to an agent in your area, take a second and complete this form. It is quick, free and can provide invaluable advice.

Car insurance coverage breakdown

Knowing the specifics of your car insurance policy helps when choosing appropriate coverage for your vehicles. The coverage terms in a policy can be impossible to understand and nobody wants to actually read their policy.

Liability insurance

Liability coverage provides protection from damage that occurs to people or other property. This coverage protects you against other people’s claims. Liability doesn’t cover your own vehicle damage or injuries.

Liability coverage has three limits: bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You might see policy limits of 100/300/100 that means you have a limit of $100,000 per injured person, a limit of $300,000 in injury protection per accident, and a limit of $100,000 paid for damaged property.

Liability coverage pays for things like legal defense fees, attorney fees, court costs, structural damage and repair bills for other people’s vehicles. How much liability should you purchase? That is a personal decision, but buy as large an amount as possible.

UM/UIM (Uninsured/Underinsured Motorist) coverage

Uninsured or Underinsured Motorist coverage provides protection from other drivers when they are uninsured or don’t have enough coverage. It can pay for injuries to you and your family and damage to your 2012 Toyota Camry.

Because many people carry very low liability coverage limits, their liability coverage can quickly be exhausted. That’s why carrying high Uninsured/Underinsured Motorist coverage is important protection for you and your family.

Comprehensive auto coverage

This will pay to fix damage that is not covered by collision coverage. You first have to pay a deductible and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive can pay for claims such as damage from flooding, damage from a tornado or hurricane, damage from getting keyed, hitting a deer and theft. The highest amount you’ll receive from a claim is the cash value of the vehicle, so if the vehicle is not worth much it’s not worth carrying full coverage.

Medical payments and PIP coverage

Coverage for medical payments and/or PIP kick in for expenses like dental work, chiropractic care, pain medications, surgery and ambulance fees. They are used in conjunction with a health insurance policy or if there is no health insurance coverage. They cover you and your occupants in addition to getting struck while a pedestrian. PIP coverage is not an option in every state but it provides additional coverages not offered by medical payments coverage

Collision coverage

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

Collision coverage pays for things such as rolling your car, damaging your car on a curb, backing into a parked car, driving through your garage door and hitting a parking meter. This coverage can be expensive, so consider dropping it from lower value vehicles. Another option is to raise the deductible to bring the cost down.