Save on 1996 Toyota Camry Insurance Quotes

Want lower insurance rates? Drivers have options when trying to find affordable Toyota Camry insurance. You can either spend your time struggling with agents trying to get quotes or leverage the internet to make rate comparisons.

There is a better way to compare insurance rates and you need to know the best way to compare rates for a new or used Toyota and get the lowest possible price from local insurance agents and online providers.

It’s smart to price shop coverage once or twice a year since rates go up and down regularly. If you had the best price for Camry insurance a couple years back there is a good chance you can find better rates now. There is a lot of bad information regarding insurance online but we’re going to give you some tested techniques to save money.

The best way we recommend to compare rate quotes is to know the fact auto insurance companies participate in a system to compare rate quotes. To start a quote, the only thing you need to do is give the companies some data like if you’re married, level of coverage desired, if you lease or own, and if it has an alarm system. Those rating factors is instantly provided to insurance companies and they respond with quotes quickly.

How to save on 1996 Toyota Camry insurance

The cost of insuring your cars can be expensive, but discounts can save money and there are some available that many people don’t even know exist. Most are applied when you purchase, but a few need to be requested specifically before being credited. If you’re not getting every credit available, you’re just leaving money on the table.

  • Auto/Home Discount – When you combine your home and auto insurance with one company you may earn 10% to 20% off each policy.
  • Defensive Driving Course – Successfully completing a driver safety course could possibly earn you a 5% discount and easily recoup the cost of the course.
  • Early Switch Discount – A few companies offer discounts for switching to them prior to your current policy expiration. It’s a savings of about 10%.
  • Save with a New Car – Buying coverage on a new vehicle can save up to 30% compared to insuring an older model.
  • Good Student Discount – This discount can be rewarded with saving of up to 25%. The good student discount can last up until you turn 25.
  • Anti-lock Brake System – Vehicles equipped with ABS or steering control can avoid accidents and will save you 10% or more.
  • Save over 55 – Older drivers may receive a small decrease in premiums for Camry insurance.
  • Payment Method – By paying your policy upfront instead of making monthly payments you could save up to 5%.
  • No Charge for an Accident – A few companies allow you one accident without raising rates so long as you haven’t had any claims for a certain period of time.
  • Theft Prevention System – Cars that have factory anti-theft systems are stolen less frequently and therefore earn up to a 10% discount.

It’s important to understand that some of the credits will not apply to the entire policy premium. The majority will only reduce specific coverage prices like comprehensive or collision. So despite the fact that it appears all the discounts add up to a free policy, it doesn’t quite work that way. Any qualifying discounts will help reduce the cost of coverage.

For a list of insurance companies offering auto insurance discounts, click here to view.

Impacting insurance rates for a Toyota Camry

Consumers need to have an understanding of the rating factors that go into determining your insurance coverage rates. Understanding what determines base rates allows you to make educated decisions that may reward you with much lower annual insurance costs.

Listed below are a few of the “ingredients” companies use to determine rates.

  • Occupation reflects on rates – Occupations such as real estate brokers, architects and dentists tend to have the highest average rates due to high stress levels and long work days. Other professions such as pilots, historians and the unemployed receive lower rates for Camry insurance.
  • Policy add-ons can waste money – There are many additional coverages that you can buy if you aren’t careful. Things like roadside assistance, towing coverage and additional equipment coverage may be wasting your money. These may sound like a good investment initially, but now you might not need them so remove them from your policy.
  • A lapse in coverage is a bad thing – Having an insurance coverage lapse is a guaranteed way to pay more for insurance coverage. Not only will rates go up, getting caught without coverage may earn you a license revocation or jail time.
  • Traffic violations increase rates – Your driving citation history has a huge affect on how much you pay. Careful drivers get better rates than people who have multiple driving citations. Even one citation can boost insurance rates forty percent or more. Drivers who have severe citations like reckless driving, hit and run or driving under the influence may need to file a SR-22 with their state motor vehicle department in order to drive a vehicle legally.
  • Rural vs Urban Areas – Living in small towns and rural areas can be a good thing when buying insurance coverage. Fewer people means fewer accidents as well as less vandalism and auto theft. Urban drivers tend to have much more traffic to deal with and longer commute times. Longer commute distances means higher likelihood of an accident.
  • Men are more aggressive – Statistics show that men are more aggressive behind the wheel. However, this does not mean men are WORSE drivers than women. Men and women are in accidents in similar numbers, but men have costlier accidents. Men also receive more costly citations such as DWI and reckless driving. Youthful male drivers are several times more likely to be in an accident and therefore are the most expensive to insure.
  • With age comes lower rates – More mature drivers are more responsible, statistically cause fewer accidents and are safer drivers. Teenage drivers tend to be more careless when driving therefore insurance coverage rates are much higher.
  • Multiple policies with one company can save – Most insurers give discounts to policyholders who consolidate policies with them in the form of a multi-policy discount. Even with this discount, you may still want to shop around to ensure the best deal.

Tailor your coverage to you

When buying coverage, there isn’t really a single plan that fits everyone. Each situation is unique.

For instance, these questions might help in determining whether your personal situation may require specific advice.

  • How do I file an SR-22 for a DUI in my state?
  • When should I not file a claim?
  • Is upholstery damage covered by car insurance?
  • When would I need additional glass coverage?
  • Does my medical payments coverage pay my health insurance deductible?
  • Are rock chip repairs covered?
  • Does coverage extend to a rental car in a foreign country?
  • Do I have coverage if my license is suspended?
  • I have a DUI can I still get coverage?

If you don’t know the answers to these questions but one or more may apply to you, then you may want to think about talking to an insurance agent. If you want to speak to an agent in your area, complete this form. It only takes a few minutes and you can get the answers you need.

Insurance ads bend the truth

Consumers can’t ignore all the ads for car insurance savings by companies like Progressive, Allstate and Geico. They all seem to make the same claim that you’ll save big if you move to them.

How can each company claim to save you money? This is how they do it.

Insurance companies are able to cherry pick for the driver that earns them a profit. An example of a driver they prefer could possibly be between 25 and 40, a clean driving record, and has a high credit rating. A customer getting a price quote who fits that profile gets the lowest rates and therefore will pay quite a bit less when switching companies.

Consumers who don’t meet the “perfect” profile will have to pay a more expensive rate which leads to business going elsewhere. The ads say “customers that switch” not “everybody who quotes” save money. That is how insurance companies can confidently state the savings.

Because of the profiling, you absolutely need to get as many comparisons as possible. Because you never know which company will give you the biggest savings on Toyota Camry insurance.

Specific coverage details

Learning about specific coverages of insurance helps when choosing the best coverages and the correct deductibles and limits. Insurance terms can be confusing and reading a policy is terribly boring.

Collision coverage

This will pay to fix damage to your Camry resulting from colliding with another vehicle or an object, but not an animal. You will need to pay your deductible then the remaining damage will be paid by your insurance company.

Collision coverage protects against things such as rolling your car, sideswiping another vehicle, colliding with another moving vehicle and scraping a guard rail. This coverage can be expensive, so consider dropping it from older vehicles. Drivers also have the option to bump up the deductible to bring the cost down.

Liability insurance

This protects you from damage or injury you incur to other’s property or people that is your fault. It protects YOU against claims from other people. It does not 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. You might see liability limits of 100/300/100 that translate to $100,000 bodily injury coverage, $300,000 for the entire accident, and a total limit of $100,000 for damage to vehicles and property. Some companies may use one limit called combined single limit (CSL) that pays claims from the same limit with no separate limits for injury or property damage.

Liability insurance covers claims like funeral expenses, medical services and loss of income. How much liability coverage do you need? That is up to you, but buy as much as you can afford.

Comprehensive coverage (or Other than Collision)

Comprehensive insurance covers damage caused by mother nature, theft, vandalism and other events. A deductible will apply and then insurance will cover the rest of the damage.

Comprehensive can pay for things like damage from getting keyed, damage from a tornado or hurricane and fire damage. The maximum payout your insurance company will pay is the cash value of the vehicle, so if it’s not worth much more than your deductible consider dropping full coverage.

Insurance for medical payments

Medical payments and Personal Injury Protection insurance provide coverage for bills for things like funeral costs, nursing services and pain medications. They are utilized in addition to your health insurance plan or if you do not have health coverage. Medical payments and PIP cover not only the driver but also the vehicle occupants and also covers any family member struck as a pedestrian. PIP is only offered in select states but it provides additional coverages not offered by medical payments coverage

Uninsured Motorist or Underinsured Motorist insurance

Uninsured or Underinsured Motorist coverage protects you and your vehicle from other drivers when they either are underinsured or have no liability coverage at all. Covered claims include medical payments for you and your occupants as well as your vehicle’s damage.

Since a lot of drivers have only the minimum liability required by law, it only takes a small accident to exceed their coverage. So UM/UIM coverage is very important. Usually your uninsured/underinsured motorist coverages are identical to your policy’s liability coverage.

Final considerations

While you’re price shopping online, do not reduce coverage to reduce premium. There are many occasions where consumers will sacrifice comprehensive coverage or liability limits only to discover later that it was a big error on their part. Your aim should be to get the best coverage possible at a price you can afford.

In this article, we presented many tips how you can get a better price on 1996 Toyota Camry insurance. The key concept to understand is the more rate comparisons you have, the more likely it is that you will get a better rate. You may even find the best prices are with a lesser-known regional company.

Cheaper insurance is definitely available online and with local insurance agents, and you need to price shop both in order to have the best chance of saving money. Some insurance companies do not offer online quoting and most of the time these regional insurance providers sell through independent agents.

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