View 2014 Toyota Camry Car Insurance Cost

Trying to find the cheapest auto insurance rates for your Toyota Camry? Are you sick and tired of being strong-armed to pay your car insurance bill each month? You’re in the same situation as many other consumers. Many auto insurance companies vie to insure your vehicles, so it can be very hard to choose a provider to find the lowest cost out there.

It is always a good idea to compare rates yearly because rates change frequently. If you had the best deal for Camry insurance a few years ago you will most likely find a better rate today. Don’t believe everything you read about auto insurance online but we’re going to give you the best ways to buy auto insurance cheaper.

Where Can I Get Cheap Car Insurance?

Getting a lower price on 2014 Toyota Camry insurance is actually quite simple. The only thing you need to do is spend a few minutes on the computer to compare rate quotes online from several insurance companies. This can be accomplished in just a few minutes using one of these methods.

1. The fastest way consumers can analyze rates is a comparison rater form click here to open form in new window. This method saves time by eliminating boring form submissions for each company. A single form will get you rate comparisons from multiple companies.
2. A different way to compare rate quotes requires a visit to the website for each individual company and request a quote. For example, let’s assume you want to compare Geico, Progressive and Travelers. To get rate quotes you would need to visit each site and enter your policy data, which is why the first method is quicker.

   For a list of links to insurance companies in your area, click here.

Whichever method you choose, compare identical coverage information for each comparison quote. If you use differing limits then you won’t be able to find the best deal for your Toyota Camry.

You are unique and your auto insurance should be too

When it comes to buying the best auto insurance coverage for your personal vehicles, there really is not a one size fits all plan. Every situation is different and a cookie cutter policy won’t apply. For example, these questions could help you determine whether or not you will benefit from professional help.

• Is my business laptop covered if it gets stolen from my vehicle?
• What exactly is covered by my policy?
• Am I covered when driving on a suspended license?
• Do I need to file an SR-22 for a DUI in my state?
• Should I rate my 2014 Toyota Camry as pleasure use or commute?
• What happens if I owe more than my 2014 Toyota Camry is worth?

If it’s difficult to answer those questions but you know they apply to you then you might want to talk to an insurance agent. If you want to speak to an agent in your area, take a second and complete this form or go to this page to view a list of companies. It is quick, free and you can get the answers you need.

Auto insurance coverage basics

Having a good grasp of your policy can help you determine which coverages you need at the best deductibles and correct limits. Policy terminology can be difficult to understand and coverage can change by endorsement. Shown next are typical coverage types available from auto insurance companies.

Collision protection

Collision insurance covers damage to your Camry resulting from a collision with an object or car. You have to pay a deductible and then insurance will cover the remainder.

Collision can pay for things like hitting a mailbox, backing into a parked car, sideswiping another vehicle, damaging your car on a curb and crashing into a ditch. Collision is rather expensive coverage, so consider dropping it from vehicles that are older. It’s also possible to raise the deductible to bring the cost down.

Uninsured or underinsured coverage

This provides protection from other motorists when they either are underinsured or have no liability coverage at all. Covered claims include injuries to you and your family as well as your vehicle’s damage.

Due to the fact that many drivers carry very low liability coverage limits, their limits can quickly be used up. That’s why carrying high Uninsured/Underinsured Motorist coverage is a good idea.

Medical expense coverage

Coverage for medical payments and/or PIP pay for expenses for dental work, rehabilitation expenses and surgery. The coverages can be used to fill the gap from your health insurance policy or if you do not have health coverage. Coverage applies to not only the driver but also the vehicle occupants in addition to getting struck while a pedestrian. Personal Injury Protection is not an option in every state but can be used in place of medical payments coverage

Liability coverage

This coverage provides protection from injuries or damage you cause to other people or property. This coverage protects you from legal claims by others, and does not provide coverage for your injuries or vehicle damage.

Liability coverage has three limits: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You might see values of 25/50/25 that means you have a $25,000 limit per person for injuries, a limit of $50,000 in injury protection per accident, and $25,000 of coverage for damaged propery.

Liability coverage protects against claims such as structural damage, pain and suffering and bail bonds. How much liability should you purchase? That is your choice, but buy higher limits if possible.

Comprehensive protection

Comprehensive insurance will pay to fix damage OTHER than collision with another vehicle or object. A deductible will apply then your comprehensive coverage will pay.

Comprehensive insurance covers things like damage from flooding, a broken windshield, hitting a bird and a tree branch falling on your vehicle. The most your auto insurance company will pay is the cash value of the vehicle, so if it’s not worth much more than your deductible consider removing comprehensive coverage.