1999 Toyota Camry Solara Car Insurance Quotes – 9 Tips to Save

Want lower car insurance rates for your Toyota Camry Solara? Are you frustrated by the dozens of car insurance providers in your area? Lot’s of other drivers are too. There are so many options that it can really be a ton of work to locate the lowest prices.

Shop car insurance online

When shopping for cheap insurance quotes, there are a couple of ways to get quotes from lots of car insurance companies. The fastest way to find competitive 1999 Toyota Camry Solara insurance rates is simply to get online rate quotes. This can be accomplished in several different ways.

1. The most recommended method to get the best comparison quotes would be an industry-wide quote request form like this one (opens in new window). This easy form eliminates the need for separate quote forms for each company you want a rate for. In just a few minutes this one form compares rates direct from many companies. It’s the fastest way to compare.
2. A less efficient way to get quotes online consists of visiting each individual company website to complete their respective quote request forms. For examples sake, let’s say you want rates from Geico, Safeco and Progressive. To get each rate you have to visit each site and enter your policy data, and that explains why we recommend the first method.

   For a list of links to companies insuring cars in your area, click here.

3. Even if you have time, the least recommended way to do your price quoting is physically going to insurance agents’ offices. The ability to get quotes online makes this unnecessary unless your situation requires the advice and guidance only provided by licensed agents. Although you can obtain prices from the web but still have the advice of a local agent.

Whichever way you use, be certain you are entering exactly the same quote data on every quote you get. If your comparisons have different liability limits it’s impossible to determine which rate is truly the best. Even a minor difference in insurance coverages or limits could throw off the whole comparison. And when comparing car insurance rates, know that comparing all the rates in your area will improve the odds of getting more affordable rates. Not every company does quotes online, so you should also compare price quotes from those companies as well.

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Get lower-cost insurance coverage rates with discounts

Properly insuring your vehicles can get expensive, but you can get discounts that may help make it more affordable. Some trigger automatically at the time you complete a quote, but some must be specially asked for before being credited. If you do not double check each discount you qualify for, you could be paying more than you need to.

• Low Mileage Discounts – Low annual miles could qualify for cheaper rates.
• Safety Course Discount – Successfully completing a class that teaches driver safety techniques could save 5% or more and also improve your driving technique.
• Payment Method – If you pay your entire premium ahead of time rather than spreading payments over time you may reduce your total bill.
• Save over 55 – Older drivers can possibly qualify for a slight reduction on a insurance quote for Camry Solara coverage.
• Theft Prevention Discount – Cars, trucks, and SUVs equipped with anti-theft or alarm systems are less likely to be stolen and therefore earn up to a 10% discount.
• Passive Restraints – Vehicles equipped with air bags and/or automatic seat belt systems could see savings of 20 to 30 percent.
• Seat Belt Usage – Drivers who require all occupants to fasten their seat belts can save up to 15% off the personal injury premium cost.
• Renewal Discounts – A few insurance coverage companies give discounts for renewing your policy prior to the expiration date on your current policy. You could save around 10% when you buy insurance online.
• College Student – Older children who are attending college without a vehicle on campus may be insured at a cheaper rate.

You can save money using discounts, but some of the credits will not apply to the overall cost of the policy. Some only apply to the cost of specific coverages such as physical damage coverage or medical payments. Despite the fact that it seems like adding up those discounts means a free policy, companies wouldn’t make money that way. Any qualifying discounts will reduce the premium cost.

A few of the larger companies and a summarized list of policyholder discounts are shown below.

• AAA has savings for good driver, good student, anti-theft, multi-car, and education and occupation.
• Progressive includes discounts for homeowner, multi-policy, online quote discount, online signing, and good student.
• State Farm has discounts for student away at school, passive restraint, multiple autos, anti-theft, driver’s education, safe vehicle, and defensive driving training.
• Esurance policyholders can earn discounts including paid-in-full, DriveSense, renters, online quote, and emergency road assistance.
• Nationwide may offer discounts for good student, multi-policy, Farm Bureau membership, defensive driving, and family plan.

Check with every company to give you their best rates. Some discounts listed above may not apply to policies in your area. To choose insurers that offer many of these discounts, click this link.

Tailor your auto insurance coverage to you

When buying coverage, there is no one size fits all plan. Each situation is unique.

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

• What is medical payments coverage?
• When should I drop full coverage on my 1999 Toyota Camry Solara?
• How do I file an SR-22 for a DUI in my state?
• I have health insurance so do I need medical payments coverage?
• Should I put collision coverage on all my vehicles?
• Do I need rental car coverage?
• Should I carry comprehensive and collision coverage?
• Will my rates increase for filing one claim?

If it’s difficult to answer those questions, you might consider talking to an insurance agent. To find an agent in your area, simply complete this short form.

Car insurance coverages explained

Having a good grasp of car insurance helps when choosing which coverages you need and the correct deductibles and limits. The terms used in a policy can be ambiguous and coverage can change by endorsement.

Comprehensive auto coverage

This coverage pays for damage from a wide range of events other than collision. You first have to pay a deductible and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive coverage protects against claims such as theft, damage from getting keyed and a tree branch falling on your vehicle. The maximum payout you’ll receive from a claim is the actual cash value, so if the vehicle is not worth much it’s not worth carrying full coverage.

Liability coverage

Liability insurance provides protection from damage or injury you incur to people or other property that is your fault. It consists of three limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You commonly see values of 50/100/50 which stand for a $50,000 limit per person for injuries, a per accident bodily injury limit of $100,000, and a limit of $50,000 paid for damaged property.

Liability coverage protects against claims such as attorney fees, pain and suffering, repair bills for other people’s vehicles, medical expenses and bail bonds. How much liability coverage do you need? That is a decision to put some thought into, but buy as large an amount as possible.

UM/UIM (Uninsured/Underinsured Motorist) coverage

This coverage protects you and your vehicle’s occupants from other drivers when they are uninsured or don’t have enough coverage. Covered claims include injuries to you and your family as well as your vehicle’s damage.

Due to the fact that many drivers carry very low liability coverage limits, their limits can quickly be used up. This is the reason having UM/UIM coverage is a good idea.

Medical payments and PIP coverage

Coverage for medical payments and/or PIP pay for short-term medical expenses for X-ray expenses, surgery and chiropractic care. They are utilized in addition to your health insurance plan or if you lack health insurance entirely. It covers all vehicle occupants and also covers getting struck while a pedestrian. PIP coverage is not universally available and may carry a deductible

Coverage for collisions

Collision insurance covers damage to your Camry Solara caused by collision with another car or object. You first must pay a deductible and the rest of the damage will be paid by collision coverage.

Collision insurance covers things such as hitting a parking meter, hitting a mailbox and colliding with a tree. Paying for collision coverage can be pricey, so analyze the benefit of dropping coverage from vehicles that are older. It’s also possible to raise the deductible to save money on collision insurance.

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Buy Smart and Save

Low-cost 1999 Toyota Camry Solara insurance can be sourced both online and also from your neighborhood agents, so you should be comparing quotes from both so you have a total pricing picture. There are still a few companies who may not provide internet price quotes and many times these small insurance companies prefer to sell through independent agencies.

In this article, we covered quite a bit of information on how to reduce 1999 Toyota Camry Solara insurance rates online. The most important thing to understand is the more quotes you get, the better your chances of lowering your car insurance rates. Drivers may discover the lowest rates are with a lesser-known regional company.

As you prepare to switch companies, it’s very important that you do not buy poor coverage just to save money. There are a lot of situations where someone sacrificed full coverage only to regret that it was a big error on their part. Your objective should be to purchase plenty of coverage at the lowest possible cost while not skimping on critical coverages.

Much more information about insurance coverage can be read on the following sites:

• Teen Driving and Texting (State Farm)
• How Much are Columbus Car Insurance Quotes for a Toyota Camry? (ColumbusCoverage.com)
• Think You’re a Safe Driver? (State Farm)
• Auto Crash Statistics (Insurance Information Insitute)
• Five Tips to Save on Auto Insurance (Insurance Information Insitute)

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