1991 Toyota Camry Car Insurance Quotes

Searching for cheaper car insurance rates for your Toyota Camry? If you are a novice to online car insurance shopping, it’s easy to get bewildered by the vast number local agents and online companies who all claim to have the lowest rates.

Buying car insurance is quite easy. If you are paying for car insurance now, you will be able to lower your premiums substantially using this information. Although consumers can benefit by having an understanding of the methods companies use to compete online because it can help you find the best coverage.

Cheap insurance coverage rates with discounts

Insurance coverage is not inexpensive, but there could be significant discounts to help offset the cost. Some of these disounts will be visible when you complete an application, but lesser-known reductions have to be specially asked for in order for you to get them.

  • Organization Discounts – Belonging to a qualifying organization could qualify you for a break on your bill.
  • Senior Discount – Older drivers may be able to get a discount up to 10% for Camry insurance.
  • Student Discount for Driver Training – Reduce the cost of insurance for teen drivers by having them enroll in driver’s education if offered at their school.
  • Homeowners Savings – Owning your own home or condo can help you save on insurance coverage because of the fact that having a home means you have a higher level of financial diligence.
  • Accident-Free Discounts – Claim-free drivers are rewarded with significantly better rates on insurance coverage quote compared to accident-prone drivers.
  • Military Deployment Discount – Having an actively deployed family member may qualify for rate reductions.

Don’t be shocked that most discount credits are not given to all coverage premiums. Some only apply to the cost of specific coverages such as medical payments or collision. Even though it appears all those discounts means the company will pay you, you won’t be that lucky.

A few of the larger companies and the discounts they provide can be read below.

  • Farmers Insurance has savings for good student, teen driver, homeowner, youthful driver, pay in full, and business and professional.
  • State Farm has discounts for good student, good driver, multiple autos, safe vehicle, passive restraint, and driver’s education.
  • Liberty Mutual offers discounts for newly married, new move discount, good student, multi-policy, newly retired, and multi-car.
  • MetLife policyholders can earn discounts including claim-free, accident-free, multi-policy, good driver, defensive driver, good student
  • Progressive offers premium reductions for homeowner, good student, continuous coverage, multi-policy, multi-vehicle, and online quote discount.

If you are trying to find affordable insurance coverage quotes, ask every insurance company which discounts you may be entitled to. Some discounts listed above might not be offered on policies in your area. For a list of companies with discount insurance coverage rates, click this link.

How your Camry insurance prices are determined

Many things are part of the equation when quoting car insurance. Some factors are common sense such as your driving history, although some other factors are not as apparent such as your credit history or how safe your car is.A large part of saving on car insurance is knowing the rating factors that play a part in calculating the level of your policy premiums. When consumers understand what determines base rates, this allows you to make educated decisions that could help you find big savings.

The items below are some of the major factors used by companies to determine prices.

  • Having a spouse can lower rates – Walking down the aisle may cut your premiums on your car insurance policy. Marriage generally demonstrates drivers are more financially stable and statistics show being married results in fewer claims.
  • Drivers with responsible credit save – Having a good credit rating is likely to be a major factor in determining what you pay for car insurance. Consumers who have very good credit scores tend to be less risk to insure than drivers with poor credit. If your credit is lower than you’d like, you could potentially save money when insuring your 1991 Toyota Camry by spending a little time repairing your credit.
  • More traffic equals higher costs – Residing in a small town is a positive aspect when talking about car insurance. Residents of big cities regularly have much more traffic and much longer commute distances. Fewer drivers means a lower chance of having an accident as well as less vandalism and auto theft.
  • Better rates for no policy lapses – Not having insurance is against the law and you may have a hard time finding new coverage because you let your coverage lapse. Not only will you pay more, not being able to provide proof of insurance may result in fines or a revoked license. Then you may be required to submit proof of financial responsibility or a SR-22 with your state motor vehicle department.
  • Low mileage costs less – Driving a lot of miles every year the more you will pay for car insurance. Most companies rate vehicles partially by how you use the vehicle. Cars not used for work or commuting receive better premium rates as compared to vehicles used primarily for driving to work. Having an incorrect usage rating on your Camry may be costing you. Make sure your car insurance policy is rated on the right rating data.
  • What are your coverage deductibles? – Coverage for physical damage, aka comp and collision, is used to repair damage to your vehicle. Some examples of claims that would be covered are a windshield shattered by a rock, flood damage, or theft. Your deductibles are how much you are required to pay if a claim is determined to be covered. The more of the claim you pay before a claim is paid (deductible), the less your car insurance will be for Camry insurance.
  • Reduce prices by driving safer vehicles – Vehicles that have high safety ratings tend to have lower insurance rates. Vehicles built for safety reduce occupant injuries and fewer serious injuries translates into savings for insurance companies and lower rates for you. If the Toyota Camry has ratings of a minimum four stars on Safercar.gov or an “acceptable” rating on iihs.org you may pay a lower rate.
  • Good drivers have lower premiums – Drivers with clean records get better prices than bad drivers. Getting just one chargable violation can increase rates by as much as twenty percent. Drivers who have received multiple citations such as DUI or willful reckless driving may need to prove financial responsibility to the state department of motor vehicles in order to legally drive.

Tailor your insurance coverage coverage to you

When it comes to choosing proper insurance coverage for your vehicles, there really is not a single plan that fits everyone. Everyone’s needs are different.

These are some specific questions may help you determine if your situation will benefit from professional help.

  • How high should my medical payments coverage be?
  • Is there coverage for injuries to my pets?
  • What is the minimum liability in my state?
  • Are all vehicle passengers covered by medical payments coverage?
  • Do I have newly-aquired coverage?
  • Will I lose any money if I cancel my policy before it expires?
  • Will my vehicle be repaired with OEM or aftermarket parts?
  • What discounts do I qualify for?
  • Do I have coverage when using my vehicle for my home business?

If you don’t know the answers to these questions then you might want to talk to a licensed insurance agent. To find lower rates from a local agent, fill out this quick form.

Insurance coverage considerations

Knowing the specifics of your policy helps when choosing appropriate coverage at the best deductibles and correct limits. The coverage terms in a policy can be difficult to understand and nobody wants to actually read their policy.

Insurance for medical payments

Coverage for medical payments and/or PIP provide coverage for immediate expenses such as ambulance fees, pain medications, EMT expenses, prosthetic devices and chiropractic care. The coverages can be used to fill the gap from your health insurance program or if you do not have health coverage. They cover all vehicle occupants and will also cover if you are hit as a while walking down the street. PIP coverage is not an option in every state and may carry a deductible

Collision protection

Collision coverage will pay to fix damage to your Camry 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 like rolling your car, colliding with a tree and hitting a parking meter. Collision coverage makes up a good portion of your premium, so you might think about dropping it from lower value vehicles. Drivers also have the option to increase the deductible to save money on collision insurance.

Comprehensive coverage (or Other than Collision)

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

Comprehensive coverage pays for things like vandalism, hail damage, fire damage, falling objects and a tree branch falling on your vehicle. The most you’ll receive from a claim is the market value of your vehicle, so if your deductible is as high as the vehicle’s value it’s not worth carrying full coverage.

Uninsured Motorist or Underinsured Motorist insurance

Your UM/UIM coverage provides protection from other drivers when they either have no liability insurance or not enough. Covered claims include injuries sustained by your vehicle’s occupants and damage to your Toyota Camry.

Since many drivers carry very low liability coverage limits, it only takes a small accident to exceed their coverage. This is the reason having UM/UIM coverage is very important.


Liability insurance protects you from injuries or damage you cause to other’s property or people. This coverage protects you against other people’s claims, and doesn’t cover damage sustained by your vehicle in an accident.

Coverage consists of three different limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. As an example, you may have liability limits of 100/300/100 which stand for $100,000 in coverage for each person’s injuries, a total of $300,000 of bodily injury coverage per accident, and property damage coverage for $100,000.

Liability coverage protects against claims like pain and suffering, court costs, medical expenses and loss of income. How much coverage you buy is up to you, but consider buying as large an amount as possible.

The bottom line

In this article, we presented some good ideas how you can shop for 1991 Toyota Camry insurance online. It’s most important to understand that the more companies you get car insurance rates for, the better your chances of lowering your car insurance rates. Consumers may even find the most savings is with some of the lesser-known companies.

Consumers leave their current company for many reasons like questionable increases in premium, denial of a claim, not issuing a premium refund or even policy cancellation. Regardless of your reason, finding a great new company is pretty simple and you could end up saving a buck or two.

While you’re price shopping online, it’s a bad idea to skimp on critical coverages to save a buck or two. In too many instances, someone sacrificed physical damage coverage only to discover later that the small savings ended up costing them much more. Your aim should be to find the BEST coverage at an affordable rate, but do not skimp to save money.

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Comments About 1991 Toyota Camry Insurance

  1. Rochell Payne

    If you have a good history and live in the vicinity of Salem, OR, check out Allstate. I saved quite a bit. Switched homeowners coverage too.

  2. Antonietta Wilder

    Nice info. I live on the north side of Omaha, Nebraska. Not sure of all the companies but I ended up saving about $30 each month. Switched homeowners coverage too. God forbid I actually have a claim. Next renewal I’ll just do liability.

  3. Luciana Foley

    State Farm has the cheapest rates in North Carolina. No comparison.

  4. Anjelica Gray

    I’m looking for cheaper coverage. I live on the south side of Shreveport, LA. I got free quotes from GEICO, AAA, and some I forget for my Camry and saved around $70 a year. Left Esurance to switch. Did it all online.

  5. Albertina Schwartz

    I chose to switch to Allstate from AAA. I live in Aurora, Illinois. Was with AIG Insurance. You can get a rate quote online.

  6. Jarvis Cross

    I can’t pay high rates. Live in Albuquerque, NM. Quoted with State Farm, Hanover, and Farmers for my 1991 Toyota Camry and I’m now saving $17 a month. Teenage drivers are expensive! They were helpful in switching over. I don’t insure for physical damage though.

  7. Lindsy Byrd

    Corporate greed I’m telling you. I’m in the south part of Cleveland, Ohio. Got free quotes online for a 1991 Toyota Camry. Ended up at about $110 savings annually. Went with Progressive. I get lower rates because of my clean driving record. :P