How Much Does 2017 Toyota Camry Car Insurance Cost?

If you’re new to shopping for auto insurance quotes online, there’s a good chance you are bewildered by the large number of insurers all advertising big savings.

Consumers need to do price comparisons once or twice a year because prices trend upward over time. Just because you found the lowest rate on Camry insurance a year ago you can probably find a lower rate today. Ignore everything you know about insurance coverage because I’m going to let you in on the secrets to the right way to find the best coverage while lowering your premiums.

If you are paying for car insurance now, you should be able to save some money using these methods. Pricing the cheapest coverage is not that difficult. But drivers do need to understand how companies market insurance on the web because it can help you find the best coverage.

Find hidden discounts to get affordable auto insurance quotes

Insuring your fleet can be pricey, but there’s a good chance there are discounts that many consumers don’t even know exist. A few discounts will be applied when you quote, but some must be specially asked for before you will receive the discount. If you aren’t receiving every discount possible, you could be paying more than you need to.

  • Discounts for New Vehicles – Buying auto insurance coverage on a new vehicle can get you a discount compared to insuring an older model.
  • Low Mileage – Low mileage vehicles can earn lower rates on the low mileage vehicles.
  • Safe Driver Discounts – Drivers who avoid accidents could pay up to 40% less on Camry insurance compared to rates paid by drivers with frequent claims.
  • Clubs and Organizations – Being a member of certain professional organizations could trigger savings on your next auto insurance statement.
  • Resident Student – Youth drivers who live away from home to go to college and do not have a car may be able to be covered for less.
  • Full Payment Discount – By paying your policy upfront rather than paying monthly you could save up to 5%.
  • Auto/Home Discount – If you can combine your homeowners and auto policy with one company you may save up to 20% off your total premium.

Don’t be shocked that most of the big mark downs will not be given to your bottom line cost. Most only apply to the cost of specific coverages such as liability and collision coverage. Despite the appearance that you can get free auto insurance, it’s just not the way it works.

Large auto insurance companies and a partial list of their discounts are included below.

  • Progressive offers discounts for homeowner, multi-vehicle, good student, online quote discount, multi-policy, and online signing.
  • MetLife offers discounts including claim-free, good driver, multi-policy, good student, and accident-free.
  • Mercury Insurance may have discounts that include good student, type of vehicle, multi-policy, anti-theft, and low natural disaster claims.
  • Nationwide has discounts for family plan, business or organization, accident-free, anti-theft, good student, multi-policy, and easy pay.
  • Geico discounts include air bags, anti-theft, federal employee, driver training, and multi-vehicle.
  • AAA includes discounts for anti-theft, AAA membership discount, multi-car, pay-in-full, and good student.

When getting free auto insurance quotes, it’s a good idea to each company or agent which credits you are entitled to. All car insurance discounts may not apply to policies in your area. To choose companies that can offer you the previously mentioned discounts, click this link.

Shop car insurance online

When shopping for car insurance there are multiple ways of comparing rate quotes from many available car insurance companies in your state. The recommended way to do a complete rate comparison consists of obtaining rate quotes online. It’s really quite simple and can be done in several different ways.

The simplest way to find low rates is a comparison rater form like this one (opens in new window). This easy form eliminates the need for separate quotes for every prospective company. Taking the time to complete one form gets prices estimates from car insurance companies with the best prices. Just one form and you’re done.

A more difficult way to find more affordable insurance requires you to visit each company’s website and go through the quote process again. For instance, let’s assume you want to get rates from Geico, Allstate and American Family. To get rate quotes you would need to take the time to go to each site and enter your information, which can get old fast. For a list of companies in your area, click here.

You can use whichever method you prefer to find lower rates, just make sure you compare identical coverage limits and deductibles for every quote you compare. If you are comparing different data you will not be able to determine which company has the best rates. Just a small difference in coverage limits could mean much higher rates. Just remember that more quotes will improve the odds of getting a lower rate than you’re paying now. Some smaller insurers to not give price estimates online, so you also need to get price estimates from those companies as well.

Tailor your auto insurance coverage to you

When buying coverage for your vehicles, there isn’t really a cookie cutter policy. Each situation is unique.

These are some specific questions may help highlight whether you may require specific advice.

  • How many claims can I have before being cancelled?
  • Are my friends covered when driving my car?
  • What is the ISO rating for a 2017 Toyota Camry?
  • What can I do if my company denied a claim?
  • Do I need special endorsements for business use of my vehicle?
  • Why am I required to buy high-risk coverage?

If it’s difficult to answer those questions but you think they might apply to your situation, you might consider talking to a licensed insurance agent. If you want to speak to an agent in your area, complete this form.

Car insurance coverage information

Knowing the specifics of a insurance policy can help you determine appropriate coverage for your vehicles. The terms used in a policy can be impossible to understand and coverage can change by endorsement.

Medical costs insurance

Coverage for medical payments and/or PIP provide coverage for expenses for rehabilitation expenses, doctor visits, ambulance fees and hospital visits. They are utilized in addition to your health insurance policy or if you are not covered by health insurance. Medical payments and PIP cover not only the driver but also the vehicle occupants and also covers if you are hit as a while walking down the street. PIP is not universally available and may carry a deductible

Comprehensive or Other Than Collision

This coverage covers damage from a wide range of events other than collision. You first have to pay a deductible and then insurance will cover the rest of the damage.

Comprehensive coverage protects against things such as theft, a tree branch falling on your vehicle and rock chips in glass. The highest amount a insurance company will pay at claim time is the cash value of the vehicle, so if the vehicle’s value is low it’s not worth carrying full coverage.

Collision protection

This coverage covers damage to your Camry resulting from a collision with a stationary object or other vehicle. You have to pay a deductible and then insurance will cover the remainder.

Collision can pay for things such as crashing into a building, sideswiping another vehicle and hitting a mailbox. Collision is rather expensive coverage, so consider dropping it from older vehicles. It’s also possible to bump up the deductible to save money on collision insurance.

Liability

This can cover injuries or damage you cause to other people or property that is your fault. This coverage protects you from claims by other people. It does not cover damage to your own property or vehicle.

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. As an example, you may have policy limits of 100/300/100 that translate to $100,000 bodily injury coverage, a limit of $300,000 in injury protection per accident, and a limit of $100,000 paid for damaged property. Some companies may use a combined single limit or CSL which combines the three limits into one amount with no separate limits for injury or property damage.

Liability insurance covers claims like medical services, repair costs for stationary objects, legal defense fees, emergency aid and structural damage. How much liability should you purchase? That is your choice, but you should buy as much as you can afford.

UM/UIM Coverage

This protects you and your vehicle’s occupants when other motorists either have no liability insurance or not enough. This coverage pays for injuries sustained by your vehicle’s occupants and damage to your Toyota Camry.

Because many people carry very low liability coverage limits, it doesn’t take a major accident to exceed their coverage limits. That’s why carrying high Uninsured/Underinsured Motorist coverage is very important. Usually the UM/UIM limits are similar to your liability insurance amounts.

Affordable insurance is out there

Affordable 2017 Toyota Camry insurance is available both online as well as from insurance agents, and you should compare rates from both in order to have the best price selection to choose from. Some insurance coverage companies may not have the ability to get quotes online and most of the time these regional carriers sell through independent insurance agencies.

When buying insurance coverage, make sure you don’t skimp on coverage in order to save money. There are too many instances where drivers have reduced liability coverage limits only to regret that it was a big error on their part. Your strategy should be to buy a smart amount of coverage at a price you can afford, not the least amount of coverage.

Consumers change insurance companies for a variety of reasons including lack of trust in their agent, delays in paying claims, delays in responding to claim requests and not issuing a premium refund. No matter why you want to switch, choosing a new company is actually quite simple.

More detailed insurance coverage information can be found in these articles: