Compare 2015 Toyota Camry Insurance Rates

Trying to find the cheapest insurance rates for your Toyota Camry? Are you sick and tired of being strong-armed to buy car insurance? Your situation is no different than many other drivers.

Because you have many options when it comes to insurance, it is hard for the average consumer to find the most affordable company.

Low Cost Insurance

To find the best insurance prices, there are several ways of comparing price quotes from different insurance companies. The easiest way by far to find the cheapest 2015 Toyota Camry insurance rates is to use the internet to compare rates. It is quite easy and can be accomplished in a couple of different ways.

Probably the best way to find the lowest comparison rates is an all-inclusive rate comparison click here to open form in new window. This easy form keeps you from doing separate quote forms to each individual insurance company. A single, simple form gets you price quotes from all major companies.

A harder way to analyze rates requires visiting the website of each company and request a quote. For examples sake, we’ll pretend you want to compare USAA, Geico and Farmers. To get each rate you have to take the time to go to each site to enter your coverage information, which is why most consumers use the first method.

For a handy list of car insurance company links in your area, click here.

The least recommended way of getting rate comparisons is to waste gas driving to different agent offices. The ability to buy insurance online has reduced the need for local agents unless you want the professional advice only provided by licensed agents. You can, however, comparison shop your insurance online but still have the advice of a local agent. We’ll cover that shortly.

However you get your quotes, make absolute certain that you use apples-to-apples information for every company. If you compare differing limits you can’t possibly make an equal comparison. Quoting even small variations in insurance coverages can result in a big premium difference. And when price shopping your coverage, getting more free quotes will improve the odds of getting better pricing.

Can you really save $459 a year?

Insurance providers like State Farm and Allstate constantly bombard you with ads in print and on television. They all say the same thing of big savings if you switch your coverage to them. How does each company make the same claim?

All the different companies have a certain “appetite” for the right customer that earns them a profit. For example, a preferred risk might be between 25 and 40, has no driving citations, and chooses high deductibles. Any driver who fits that profile gets the lowest rates and therefore will save when they switch companies.

Potential customers who fall outside this ideal profile must pay a higher premium and ends up with business going elsewhere. The ad wording is “people who switch” but not “drivers who get quotes” save money. This is how insurance companies can state the savings. This illustrates why it’s extremely important to get quotes from several different companies. It’s not possible to predict which company will fit your personal profile best.

Save on 2015 Toyota Camry insurance

Car insurance companies don’t always publicize all their discounts very well, so we break down both the well known and the more hidden insurance coverage savings.

  • Federal Government Employee – Active or retired federal employment may qualify you for a discount on Camry insurance with certain companies.
  • Use Seat Belts – Requiring all passengers to use their safety belts can save up to 15% off the personal injury premium cost.
  • Homeowners Discount – Simply owning a home can save you money because maintaining a house requires personal responsibility.
  • E-sign – Certain companies give back up to $50 simply for signing over the internet.
  • Accident Free – Claim-free drivers can earn big discounts compared to frequent claim filers.
  • Save over 55 – Mature drivers may qualify for a discount up to 10% on Camry insurance.
  • Payment Discounts – By paying your policy upfront instead of monthly or quarterly installments you could save 5% or more.
  • Multiple Cars – Buying coverage for all your vehicles on the same insurance coverage policy could earn a price break for each car.
  • Early Switch Discount – Some companies give discounts for buying a policy prior to your current policy expiring. It’s a savings of about 10%.

Consumers should know that some credits don’t apply to the entire cost. Some only reduce the price of certain insurance coverages like collision or personal injury protection. So when it seems like having all the discounts means you get insurance for free, it just doesn’t work that way.

For a list of insurance companies offering insurance coverage discounts, click here.

Tailor your coverage to you

When choosing the best insurance coverage coverage for your vehicles, there really is not a “perfect” insurance plan. Everyone’s situation is unique so your insurance should reflect that These are some specific questions might help in determining whether you will benefit from professional help.

  • What discounts do I qualify for?
  • Does medical payments coverage apply to all occupants?
  • Am I insured when driving a different vehicle?
  • Is extra glass coverage worth it?
  • Is my teenager covered with friends in the car?
  • Do I pay less if my vehicle is kept in my garage?
  • Why does it cost so much to insure a teen driver?

If you don’t know the answers to these questions, you may need to chat with a licensed insurance agent. If you want to speak to an agent in your area, complete this form or you can go here for a list of companies in your area.

Car insurance coverage options for a Toyota Camry

Understanding the coverages of your car insurance policy can be of help when determining the right coverages for your vehicles. The terms used in a policy can be confusing and even agents have difficulty translating policy wording. Below you’ll find the normal coverages offered by car insurance companies.

Coverage for collisions

This coverage covers damage to your Camry resulting from a collision with an object or car. You first must pay a deductible then the remaining damage will be paid by your insurance company.

Collision can pay for claims like hitting a mailbox, colliding with a tree, crashing into a ditch and backing into a parked car. Paying for collision coverage can be pricey, so analyze the benefit of dropping coverage from lower value vehicles. It’s also possible to choose a higher deductible in order to get cheaper collision rates.

Liability auto insurance

This coverage protects you from damage or injury you incur to people or other property by causing an accident. This insurance protects YOU against claims from other people. It does not cover your own vehicle damage or injuries.

Split limit liability has three limits of coverage: bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You commonly see values of 100/300/100 that means you have $100,000 bodily injury coverage, $300,000 for the entire accident, and $100,000 of coverage for damaged propery.

Liability coverage pays for claims like loss of income, repair bills for other people’s vehicles, medical expenses, emergency aid and funeral expenses. How much coverage you buy is a personal decision, but consider buying as much as you can afford.

Comprehensive or Other Than Collision

This pays to fix your vehicle from damage that is not covered by collision coverage. You first must pay your deductible and then insurance will cover the rest of the damage.

Comprehensive coverage protects against claims like hail damage, damage from flooding, damage from a tornado or hurricane, a tree branch falling on your vehicle and fire damage. The maximum payout you’ll receive from a claim is the actual cash value, so if the vehicle’s value is low consider dropping full coverage.

UM/UIM Coverage

Uninsured or Underinsured Motorist coverage provides protection from other motorists when they either are underinsured or have no liability coverage at all. This coverage pays for hospital bills for your injuries as well as your vehicle’s damage.

Because many people carry very low liability coverage limits, it only takes a small accident to exceed their coverage. This is the reason having UM/UIM coverage is important protection for you and your family.

Medical costs insurance

Med pay and PIP coverage kick in for immediate expenses for doctor visits, prosthetic devices, chiropractic care, rehabilitation expenses and X-ray expenses. The coverages can be utilized in addition to your health insurance program or if you do not have health coverage. Coverage applies to both the driver and occupants as well as if you are hit as a while walking down the street. PIP coverage is not universally available but can be used in place of medical payments coverage

More quotes mean more savings

We just covered a lot of ways to shop for 2015 Toyota Camry insurance online. The key concept to understand is the more times you quote, the higher your chance of finding lower rates. You may be surprised to find that the most savings is with some of the smallest insurance companies. These smaller insurers can often provide lower rates in certain areas compared to the large companies like State Farm or Progressive.

Lower-priced insurance is definitely available online and also from your neighborhood agents, and you need to comparison shop both to get a complete price analysis. Some companies may not provide online price quotes and these smaller companies work with independent agents.

More detailed insurance information is located at these sites: