Compare 1996 Toyota Camry Car Insurance Quotes

Sick and tired of sacrificing other expenses to buy insurance? You have the same problem as many other drivers.

Due to the abundance of online and local companies to choose from, it can be diffult for people to locate the lowest price company.

How much does insurance cost?

When comparison shopping, there are several ways to compare rate quotes from many insurance companies in your state. The best way to find competitive 1996 Toyota Camry insurance rates is to perform an online rate comparison. This is very easy and can be done in several different ways.

1. The fastest way to find low rates is a comparison rater form (click to open form in new window). This style of form prevents you from having to do separate quotation requests for every company. Just one form will return quotes from several companies.
2. A less efficient way to find more affordable insurance requires a visit to the website for each individual company and complete a new quote form. For example, we’ll assume you want rates from Liberty Mutual, 21st Century and Geico. To do that, you would have to take the time to go to each site and enter your policy data, which is why first method is reommended.

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

How you compare quotes is your choice, just be certain you are entering equivalent information with every price quote. If you enter different limits and deductibles on each one you will not be able to determine the best price for your Toyota Camry. Slightly different coverage limits can mean a large discrepancy in price. Just keep in mind that obtaining a wide range of quotes will enable you to find the best rates.

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Save a ton by taking advantage of discounts

Car insurance can cost a lot, but you may find discounts that many consumers don’t even know exist. Certain discounts will be triggered automatically when you quote, but some discounts are required to be specially asked for prior to receiving the credit.

• Senior Discount – If you’re over the age of 55, you can get a small discount on rates for Camry insurance.
• Discount for New Cars – Insuring a new car can get you a discount because newer vehicles are generally safer.
• Active Service Discounts – Being deployed with a military unit could trigger a small discount.
• Anti-lock Brake System – Cars, trucks, and SUVs that have steering control and anti-lock brakes have fewer accidents and will save you 10% or more.
• Telematics Data – Drivers that enable their car insurance company to monitor their driving habits remotely like Allstate’s Drivewise may see discounts if they exhibit good driving behavior.
• Discount for Low Mileage – Maintaining low annual mileage could qualify for cheaper rates.
• Seat Belts Save – Drivers who require all vehicle occupants to buckle up could save 15% off the medical payments premium.

Remember that many deductions do not apply to the overall cost of the policy. The majority will only reduce specific coverage prices like comprehensive or collision. Despite the appearance that all the discounts add up to a free policy, company stockholders wouldn’t be very happy.

A list of companies and some of their more popular discounts are shown below.

• State Farm discounts include passive restraint, good driver, driver’s education, anti-theft, and good student.
• Nationwide offers discounts for defensive driving, good student, multi-policy, accident-free, family plan, anti-theft, and Farm Bureau membership.
• Geico has savings for military active duty, membership and employees, good student, multi-policy, seat belt use, and emergency military deployment.
• AAA includes discounts for pay-in-full, anti-theft, good student, multi-policy, and multi-car.
• 21st Century has discounts for early bird, anti-lock brakes, student driver, theft prevention, air bags, teen driver, and defensive driver.
• The Hartford offers premium reductions for bundle, good student, vehicle fuel type, anti-theft, air bag, defensive driver, and driver training.

If you need lower rates, check with each company or agent which discounts they offer. Savings may not apply to policyholders in your area. If you would like to view car insurance companies that have a full spectrum of discounts, click here to view.

How much car insurance do I need?

When it comes to buying the best car insurance coverage for your personal vehicles, there really is not a single plan that fits everyone. Every situation is different and your policy should reflect that. For example, these questions could help you determine whether your personal situation would benefit from an agent’s advice.

• What is high-risk coverage and where do I buy it?
• What are the financial responsibility laws in my state?
• Am I covered if hit by an uninsured driver?
• Do I get a pro-rated refund if I cancel my policy early?
• Am I getting all the discounts available?
• Will my insurance pay for OEM parts?
• Do I need higher collision deductibles?
• Why does it cost so much to insure a teen driver?
• Does my medical payments coverage pay my health insurance deductible?

If it’s difficult to answer those questions then you might want to talk to a licensed agent. To find an agent in your area, complete this form or you can also visit this page to select a carrier

Get cheaper insurance prices by understanding these factors

It’s important that you understand a few of the rating criteria that help determine your policy premiums. If you have some idea of what positively or negatively impacts your premiums, this allows you to make educated decisions that may reward you with big savings. Many different elements are part of the equation when premium rates are determined. Most are fairly basic such as traffic violations, but some are not quite as obvious like where you live or your financial responsibility.

The itemized list below are a few of the “ingredients” utilized by car insurance companies to help set your prices.

• High credit scores equal low costs – Your credit score factor in determining premium rates. Therefore, if your credit history is low, you could save money insuring your 1996 Toyota Camry if you improve your credit rating. Consumers who have excellent credit scores tend to be more responsible and file fewer claims than drivers who have bad credit.
• Accidents cost more than a fine – Good drivers have lower premiums than their less careful counterparts. Even one speeding ticket can increase rates twenty percent or more. Drivers unfortunate enough to have license-revoking violations such as reckless driving or DUI may need to file a SR-22 with the DMV in their state in order to prevent their license from being revoked.
• Never let your coverage lapse – Letting your insurance expire is a guaranteed way to trigger a rate increase. In addition to paying higher premiums, the inability to provide proof of insurance may result in a fine, jail time, or a revoked license.
• Alarms and GPS tracking lowers premiums – Buying a car with a theft deterrent system can save you some money. Anti-theft features such as GM’s OnStar, tamper alarm systems and vehicle immobilizers all help prevent car theft.

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Smaller companies may have the best rates

Insurance coverage companies such as State Farm, Allstate and Geico constantly bombard you with ads on TV and radio. They all seem to advertise claims that drivers can save some big amount just by switching your coverage. How does every company have lower policy pricing? Here is how they do it.

All the different companies have specific guidelines for a prospective insured that will generate a profit. For instance, a desirable insured might be described as over the age of 35, carries high limits, and drives a car with an anti-theft system. A propective insured who fits those characteristics receive the lowest rate quotes and will probably cut their rates if they switch.

Consumers who may not quite match these standards will have to pay a more expensive rate with the end result being business going elsewhere. The ad wording is “people that switch” not “everyone who quotes” save money. That’s why companies can truthfully claim big savings. Because every company is different, you need to do a quote comparison often. It’s impossible to know the company that will have the best premium rates.

Auto insurance coverages

Knowing the specifics of your insurance policy helps when choosing appropriate coverage and proper limits and deductibles. Policy terminology can be difficult to understand and nobody wants to actually read their policy. Below you’ll find the usual coverages found on the average insurance policy.

Comprehensive coverage (or Other than Collision)

This covers damage that is not covered by collision coverage. A deductible will apply and then insurance will cover the rest of the damage.

Comprehensive coverage pays for things such as hail damage, vandalism, damage from a tornado or hurricane and a broken windshield. The maximum payout you can receive from a comprehensive claim is the cash value of the vehicle, so if the vehicle’s value is low it’s not worth carrying full coverage.

Liability

Liability coverage protects you from damage that occurs to a person or their property by causing an accident. This insurance protects YOU against other people’s claims. Liability doesn’t cover damage to your own property or vehicle.

It consists of three limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You might see policy limits of 50/100/50 that means you have $50,000 bodily injury coverage, a per accident bodily injury limit of $100,000, and a total limit of $50,000 for damage to vehicles and property.

Liability coverage pays for claims such as repair costs for stationary objects, funeral expenses, legal defense fees and attorney fees. How much liability should you purchase? That is your choice, but consider buying as much as you can afford.

Uninsured Motorist or Underinsured Motorist insurance

This provides protection from other motorists when they either have no liability insurance or not enough. Covered claims include medical payments for you and your occupants and damage to your Toyota Camry.

Since a lot of drivers carry very low liability coverage limits, their liability coverage can quickly be exhausted. For this reason, having high UM/UIM coverages is very important.

Insurance for medical payments

Medical payments and Personal Injury Protection insurance pay for bills such as nursing services, EMT expenses, rehabilitation expenses and doctor visits. They can be utilized in addition to your health insurance plan or if you lack health insurance entirely. It covers you and your occupants as well as any family member struck as a pedestrian. Personal Injury Protection is not an option in every state and gives slightly broader coverage than med pay

Collision protection

Collision insurance pays to fix your vehicle from damage from colliding with a stationary object or other vehicle. You have to pay a deductible and the rest of the damage will be paid by collision coverage.

Collision coverage pays for claims such as damaging your car on a curb, crashing into a building and scraping a guard rail. This coverage can be expensive, so consider dropping it from lower value vehicles. You can also bump up the deductible to bring the cost down.

And the best car insurance company is…

More affordable auto insurance is available both online and from local agencies, and you should compare price quotes from both to have the best chance of lowering rates. Some auto insurance companies may not have online price quotes and usually these regional insurance providers only sell coverage through local independent agents.

We just showed you a lot of ways to shop for 1996 Toyota Camry insurance online. It’s most important to understand that the more rate comparisons you have, the higher the chance of saving money. You may even find the lowest priced auto insurance comes from an unexpected company. Smaller companies may cover specific market segments cheaper than their larger competitors like State Farm and Allstate.

More detailed auto insurance information is located in these articles:

• Vehicle Safety Ratings (iihs.org)
• Who Has Cheap Corpus Christi Car Insurance for a Toyota Camry? (CorpusChristiCoverage.com)
• Who Has Cheap Auto Insurance for a Toyota Camry in Irvine? (IrvineInsure.com)
• Rollover Crash FAQ (iihs.org)
• Safe Vehicles for Teens (iihs.org)
• Your Car has been Stolen: Now What? (Allstate)
• Tools for Teen Driving Safety (State Farm)
• Learn About Car Insurance (Geico)

Enter your zip code below to view companies that have cheap auto insurance rates.

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