How Much Does 2013 Toyota Camry Car Insurance Cost?

Expensive Toyota Camry insurance can bleed your bank account and force you to make sacrifices. Performing a price comparison is a fast and free way to slash your bill and have more diposable income.

Many car insurance companies vie for your hard-earned dollar, so it can be very hard to choose a insurance company to find the absolute best rates possible.

Consumers should take time to take a look at other company’s rates every six months because prices fluctuate regularly. Even if you think you had the lowest rates for Camry coverage a couple years back there is a good chance you can find better rate quotes now. You’ll find quite a bit of inaccurate information about car insurance on the internet, but I’m going to show you some excellent ideas to lower your car insurance premiums.

Get lower-cost rates by earning discounts

Car insurance companies do not advertise all their discounts very clearly, so the below list has a few of the more well known and also the lesser-known discounts that may be available.

• Seat Belt Discounts – Drivers who require all vehicle occupants to use a seat belt can save 10% or more on the medical payments or PIP coverage costs.
• Passive Restraint Discount – Vehicles equipped with air bags and/or automatic seat belt systems may qualify for discounts up to 30%.
• Own a Home and Save – Owning a home can earn you a little savings since owning and maintaining a home demonstrates responsibility.
• Claim Free – Good drivers with no accidents pay less in comparison with policyholders that have many claims.
• Active Military Service – Having an actively deployed family member may qualify for rate reductions.
• Theft Deterent Discount – Anti-theft and alarm system equipped vehicles are stolen with less frequency and earn discounts up to 10% off your auto insurance quote.
• Federal Government Employee – Employees or retirees of the government could provide a small rate reduction for Camry coverage depending on your company.
• Good Students Pay Less – Being a good student can earn a discount of 20% or more. You can use this discount normally until age 25.
• Fewer Miles Equal More Savings – Driving fewer miles may allow you to get lower rates due to less chance of an accident.
• Save with a New Car – Putting insurance on a new car can save you some money because newer vehicles have to meet stringent safety requirements.

Consumers should know that most discounts do not apply to your bottom line cost. Most only reduce individual premiums such as liability, collision or medical payments. So despite the fact that it appears all the discounts add up to a free policy, insurance coverage companies aren’t that generous.

A list of insurance coverage companies and their possible discounts can be found below.

• Farmers Insurance offers premium reductions for good student, early shopping, switch companies, distant student, bundle discounts, and mature driver.
• State Farm may have discounts that include safe vehicle, Steer Clear safe driver discount, defensive driving training, accident-free, good driver, anti-theft, and Drive Safe & Save.
• Liberty Mutual offers discounts for preferred payment discount, multi-car, good student, new vehicle discount, newly married, safety features, and hybrid vehicle.
• MetLife discounts include defensive driver, accident-free, good student, claim-free, good driver, multi-policy
• Progressive may offer discounts for continuous coverage, online signing, multi-vehicle, homeowner, multi-policy, and good student.

Check with all the companies to apply every possible discount. All car insurance discounts might not be offered in your area. To see a list of insurance companies who offer insurance coverage discounts, follow this link.

Your insurance coverage should be tailored to you

When it comes to buying adequate coverage for your vehicles, there really is no perfect coverage plan. Each situation is unique so your insurance should reflect that These are some specific questions could help you determine if you may require specific advice.

• Should I get collision insurance on every vehicle?
• When can my company non-renew my policy?
• Does medical payments coverage apply to all occupants?
• Does my 2013 Toyota Camry need full coverage?
• Do I have coverage if my license is suspended?
• Is my trailer covered?
• Do I need to file an SR-22 for a DUI in my state?
• Can I afford to buy a different vehicle if my 2013 Toyota Camry is totaled?

If it’s difficult to answer those questions, then you may want to think about talking to a licensed agent. If you don’t have a local agent, complete this form or you can also visit this page to select a carrier

Auto insurance 101

Learning about specific coverages of your policy aids in choosing which coverages you need for your vehicles. The terms used in a policy can be difficult to understand and coverage can change by endorsement. Below you’ll find typical coverage types found on the average insurance policy.

Liability coverages

This coverage can cover damage or injury you incur to a person or their property by causing an accident. It protects you against claims from other people, and doesn’t cover your injuries or vehicle damage.

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 liability limits of 25/50/25 that translate to a $25,000 limit per person for injuries, a per accident bodily injury limit of $50,000, and $25,000 of coverage for damaged propery.

Liability coverage pays for things like legal defense fees, medical services and repair costs for stationary objects. How much coverage you buy is your choice, but it’s cheap coverage so purchase as large an amount as possible.

Collision coverage

This coverage pays to fix your vehicle from damage resulting from colliding with another car or object. A deductible applies and the rest of the damage will be paid by collision coverage.

Collision coverage protects against things such as damaging your car on a curb, sideswiping another vehicle, scraping a guard rail and hitting a mailbox. Paying for collision coverage can be pricey, so you might think about dropping it from vehicles that are 8 years or older. It’s also possible to choose a higher deductible to bring the cost down.

Coverage for medical payments

Med pay and PIP coverage provide coverage for bills like prosthetic devices, ambulance fees, dental work, chiropractic care and X-ray expenses. They can be used in conjunction with a health insurance policy or if you are not covered by health insurance. It covers both the driver and occupants and also covers if you are hit as a while walking down the street. Personal Injury Protection is not an option in every state and may carry a deductible

Comprehensive coverages

This coverage will pay to fix damage that is not covered by collision coverage. You need to pay your deductible first and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive insurance covers things like damage from flooding, hitting a bird and falling objects. The highest amount you’ll receive from a claim is the ACV or actual cash value, so if the vehicle’s value is low it’s not worth carrying full coverage.

Uninsured and underinsured coverage

Your UM/UIM coverage protects you and your vehicle’s occupants from other drivers when they are uninsured or don’t have enough coverage. It can pay for injuries to you and your family as well as damage to your Toyota Camry.

Since a lot of drivers carry very low liability coverage limits, it only takes a small accident to exceed their coverage. That’s why carrying high Uninsured/Underinsured Motorist coverage is a good idea.

Don’t be a big spender

You just read a lot of techniques to get a better price on 2013 Toyota Camry insurance. The most important thing to understand is the more price quotes you have, the more likely it is that you will get a better rate. Drivers may discover the lowest prices are with the smaller companies. They may often insure only within specific states and give getter rates than the large multi-state companies such as Progressive or Geico.

Some insurance companies may not have the ability to get a quote online and these regional carriers only sell through independent agents. The cheapest 2013 Toyota Camry insurance can be found online and from local insurance agents, and you should compare price quotes from both to have the best rate selection.

Additional information can be found at the links below

• Vehicle Size and Weight FAQ (iihs.org)
• What Auto Insurance is Cheapest for a Toyota Camry in Riverside? (QuoteRiverside.com)
• How Much are Columbus Car Insurance Quotes for a Toyota Camry? (ColumbusCoverage.com)
• Safety Tips for Teen Drivers (Insurance Information Insitute)
• What does Personal Injury Protection (PIP) Cover? (Allstate)
• What are my Rights when Filing a Claim? (Insurance Information Insitute)
• Air Bags: Potential Dangers to Your Children (Insurance Information Insitute)