How Much Does 1999 Toyota Camry Solara Car Insurance Cost?

Want the cheapest car insurance rates for your Toyota Camry Solara? Sick and tired of not being able to afford to pay your car insurance bill each month? You are no different than many other consumers.

Because you have many options, it can be hard to choose the most cost effective car insurance company.

It’s important to get comparison quotes occasionally because prices are adjusted regularly by insurance companies. Just because you found the best rates on Camry Solara coverage a few years ago a different company probably has better rates today. You’ll find quite a bit of inaccurate information about car insurance on the web, but with this article, you’re going to get some guaranteed methods to quit paying high car insurance rates.

Insurance Prices

The are a couple different ways to compare quotes from insurance companies in your area. The best way to compare 1999 Toyota Camry Solara insurance prices is to get quotes online. This is very easy and can be done in several different ways.

  1. The best way consumers can make multiple comparisons would be an industry-wide quote request form click to view form in new window. This easy form prevents you from having to do repetitive form entry for each company. Completing one form gets you price quotes from insurance companies with the best prices.
  2. A more time consuming way to analyze rates requires you to visit each individual company website and fill out their own quote form. For example, we’ll assume you want rates from Geico, Farmers and GMAC. You would have to go to every website and enter your information, which is why the first method is quicker.

    To view a list of companies in your area, click here.

However you get your quotes, ensure you are comparing apples-to-apples information for every quote you compare. If you compare different limits and deductibles on each one it will be very difficult to determine the lowest rate for your Toyota Camry Solara. Having just a slight variation in insurance coverages may result in large price differences. It’s important to know that quoting more will enable you to find the best rates.

Discounts are available to cut your rates

Car insurance companies do not advertise every discount in a way that’s easy to find, so we break down both well-publicized as well as the least known savings tricks you should be using.

  • Multi-policy Discount – If you have multiple policies with the same company you may earn approximately 10% to 15%.
  • Claim Free – Claim-free drivers can save substantially as compared to frequent claim filers.
  • Student in College – Any of your kids who live away from home and do not have access to a covered vehicle may be able to be covered for less.
  • Multiple Vehicles – Insuring multiple vehicles on one policy can get a discount on all vehicles.
  • Employee of Federal Government – Active or retired federal employment can earn a discount up to 10% on Camry Solara coverage depending on your company.
  • Anti-theft System – Anti-theft and alarm systems prevent vehicle theft and will save you 10% or more.
  • Discount for Swiching Early – Select companies give a discount for buying a policy before your current policy expires. The savings is around 10%.
  • Drivers Education – Cut your cost by having your teen driver take driver’s ed class in high school.
  • Anti-lock Brake System – Cars that have steering control and anti-lock brakes are safer to drive and qualify for as much as a 10% discount.
  • Discount for Good Grades – A discount for being a good student can earn a discount of 20% or more. The good student discount can last until age 25.

Drivers should understand that some credits don’t apply to your bottom line cost. A few only apply to the cost of specific coverages such as collision or personal injury protection. So even though it sounds like you can get free auto insurance, you’re out of luck.

Companies that may have these money-saving discounts are:

Before buying, ask each company what discounts are available to you. Savings may not be available in every state.

Everyone needs different coverages

When it comes to choosing the best car insurance coverage for your personal vehicles, there is no cookie cutter policy. Everyone’s needs are different so your insurance should reflect that For example, these questions can aid in determining if your insurance needs would benefit from professional advice.

  • Does having multiple vehicles earn me a discount?
  • What is the rate difference between pleasure use and commuting?
  • Can I make deliveries for my home business?
  • How high should my medical payments coverage be?
  • Do I get a pro-rated refund if I cancel my policy early?
  • Will my rates increase for filing one claim?
  • What are the financial responsibility laws in my state?
  • Should I drop comprehensive coverage on older vehicles?

If you don’t know the answers to these questions but a few of them apply, then you may want to think about talking to a licensed agent. If you want to speak to an agent in your area, simply complete this short form or you can also visit this page to select a carrier

Toyota Camry Solara insurance premiums are calculated by many factors

Consumers need to have an understanding of the rating factors that come into play when calculating the rates you pay for insurance coverage. When you know what positively or negatively controls the rates you pay helps enable you to make changes that will entitle you to lower insurance coverage prices.

The list below includes some of the factors that factor into prices.

  • Your insurance coverage rates can be influenced by your job – Did you know your occupation can influence how much you pay for insurance coverage? Occupations such as lawyers, executives and accountants are shown to have higher rates than average because of job stress and long work days. On the flip side, jobs such as farmers, athletes and homemakers pay the least on Camry Solara coverage.
  • Don’t cancel a policy without a new one in place – Having an insurance coverage lapse is a sure-fire way to increase your insurance coverage rates. And not only will insurance be more expensive, but not being able to provide proof of insurance will get you a steep fine or even jail time.
  • Better credit means lower rates – Credit rating is a huge factor in determining your rates. Drivers with good credit tend to file fewer claims and have better driving records than drivers who have poor credit. If your credit score can use some improvement, you could pay less to insure your 1999 Toyota Camry Solara by improving your rating.
  • Increase deductibles and save – Physical damage coverage, otherwise known as comp (or other than collision) and collision, is used to repair damage to your Toyota. A few examples of covered claims would be colliding with a building, damage caused by hail, or theft. Your deductibles are how much you are required to spend in the event of a claim. The more you have to pay, the less your insurance coverage will be on Camry Solara coverage.
  • Multiple policies with one company can save – Many insurers provide better rates to customers who consolidate policies with them such as combining an auto and homeowners policy. This can amount to five, ten or even twenty percent. Even with this discount, you may still want to shop around to ensure the best deal. You may still find better rates by splitting coverages up.
  • Pay less after the wedding – Having a spouse can get you a discount when buying insurance coverage. Having a spouse usually means you are more mature than a single person and statistics show drivers who are married are more cautious.
  • Proper usage rating affects rates – The more miles you rack up on your Toyota in a year the more you will pay for insurance coverage. The majority of insurers rate vehicles based on how the vehicle is used. Cars that are left in the garage can get a lower rate as compared to vehicles used primarily for driving to work. Improper usage on your Camry Solara may be costing you. Verify your insurance coverage policy properly reflects how each vehicle is driven, because it can save money.

The coverage is in the details

Having a good grasp of your policy can be of help when determining the right coverages and the correct deductibles and limits. The terms used in a policy can be ambiguous and reading a policy is terribly boring. Listed below are typical coverage types offered by auto insurance companies.

Liability coverages – This provides protection from injuries or damage you cause to other people or property by causing an accident. It protects you against other people’s claims, and does not provide coverage for your injuries or vehicle damage.

Split limit liability has three limits of coverage: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. As an example, you may have liability limits of 100/300/100 which means a $100,000 limit per person for injuries, a limit of $300,000 in injury protection per accident, and a total limit of $100,000 for damage to vehicles and property.

Liability can pay for claims such as pain and suffering, medical expenses and emergency aid. The amount of liability coverage you purchase is your choice, but it’s cheap coverage so purchase higher limits if possible.

Uninsured/Underinsured Motorist coverage – This coverage protects you and your vehicle’s occupants when other motorists are uninsured or don’t have enough coverage. Covered losses include hospital bills for your injuries and damage to your 1999 Toyota Camry Solara.

Due to the fact that many drivers only carry the minimum required liability limits, it only takes a small accident to exceed their coverage. This is the reason having UM/UIM coverage is very important.

Comprehensive coverage – Comprehensive insurance will pay to fix damage OTHER than collision with another vehicle or object. A deductible will apply and then insurance will cover the rest of the damage.

Comprehensive can pay for claims such as damage from getting keyed, theft and hitting a bird. The maximum payout you can receive from a comprehensive claim is the actual cash value, so if the vehicle is not worth much consider dropping full coverage.

Collision coverages – This will pay to fix damage to your Camry Solara caused by collision with another vehicle or an object, but not an animal. A deductible applies then your collision coverage will kick in.

Collision can pay for things such as hitting a parking meter, sideswiping another vehicle, backing into a parked car and colliding with a tree. This coverage can be expensive, so consider removing coverage from older vehicles. It’s also possible to increase the deductible to save money on collision insurance.

Medical payments coverage and PIP – Med pay and PIP coverage pay for expenses for things like prosthetic devices, hospital visits, rehabilitation expenses and pain medications. They are often used to cover expenses not covered by your health insurance program or if you lack health insurance entirely. Medical payments and PIP cover both the driver and occupants and will also cover if you are hit as a while walking down the street. Personal Injury Protection is not an option in every state and gives slightly broader coverage than med pay

Power to the consumer

As you shop your coverage around, never buy poor coverage just to save money. There have been many cases where an insured dropped liability limits or collision coverage and discovered at claim time they didn’t have enough coverage. Your goal should be to find the BEST coverage at a price you can afford while still protecting your assets.

Cheaper 1999 Toyota Camry Solara insurance can be found on the web and with local insurance agents, and you should be comparing both to get a complete price analysis. Some insurance coverage companies do not offer you the ability to get quotes online and many times these regional insurance providers only sell through independent insurance agents.

In this article, we presented many ideas to reduce insurance prices online. The key thing to remember is the more rate quotes you have, the higher your chance of finding lower rates. You may even discover the biggest savings come from the least-expected company. These smaller insurers can often insure niche markets at a lower cost than their larger competitors like State Farm or Progressive.

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