Compare 1995 Toyota Camry Insurance Rates

Searching for the cheapest insurance rates for your Toyota Camry? Are you irritated from being strong-armed to buy insurance? You are in the same boat as millions of other people. You have multiple auto insurance companies to choose from, and even though it’s nice to have a selection, it makes it harder to compare rates and find the lowest cost insurance.

It’s smart to check insurance prices every six months since insurance prices trend upward over time. Just because you had the lowest quotes on Camry insurance a couple years back you can probably find a better rate now. Forget anything you know (or think you know) about insurance because we’re going to demonstrate how to use online quotes to lower your rates without sacrificing coverage.

Finding the best rates is not rocket science. If you are insured now or are looking for a new policy, you can use this information to get lower rates while maintaining coverages. Vehicle owners just need to understand how to compare price quotes over the internet.

Ways to get car insurance quotes

Lowering your 1995 Toyota Camry car insurance rates is a great way to save money. You just have to spend a few minutes to compare free car insurance quotes from different insurance companies. Comparing prices online can be done using a couple different methods.

  1. The first (and easiest) way to find the lowest comparison rates is to use a rate comparison form click to view form in new window. This quick form prevents you from having to do repetitive form entry for every prospective company. One form submission gets prices estimates from several companies.
  2. A less efficient way to compare prices requires a visit to the website for each individual company and repeat the quote process again and again. For sake of this example, we’ll assume you want comparison quotes from Nationwide, Liberty Mutual and GMAC. To do that, you would have to navigate to each company’s site to input your insurance information, which can take a lot of time.

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

  3. The last way to quote and compare insurance rates to insurance agencies in your area. Doing it all online reduces the need to sit down with an agent unless you’re the type of person who wants the trained advice that can only be provided by a licensed insurance agent. It is possible with some companies compare online quotes and have a local agent actually service the policy.

It’s up to you which method you use, but double check that you are using the same quote information for every quote you compare. If you are comparing mixed coverages you will not be able to determine the best price for your Toyota Camry.

Lower rates by qualifying for discounts

The cost of insuring your cars can be expensive, but you might find some hidden discounts to help bring down the price. Certain discounts will be applied when you complete an application, but some discounts are required to be specifically requested before you will receive the discount. If they aren’t giving you every credit you qualify for, it’s possible you qualify for a lower rate.

  • Good Grades Discount – Maintaining excellent grades can earn a discount of 20% or more. The discount lasts until age 25.
  • Defensive Driver Discount – Successfully completing a safe driver class could earn you a small percentage discount depending on where you live.
  • Air Bags and Passive Restraints – Vehicles equipped with air bags and/or automatic seat belt systems can qualify for discounts of 20% or more.
  • Telematics Devices – Policyholders that allow their insurance company to look at driving manner by using a telematics device in their vehicle such as Drivewise from Allstate or Snapshot from Progressive may get a rate reduction if they have good driving habits.
  • Pay Early and Save – If paying your policy premium upfront rather than spreading payments over time you can avoid monthly service charges.
  • Waiver for an Accident – Not necessarily a discount, but companies like Progressive, Allstate, and Liberty Mutual may permit one accident before they charge you more for coverage as long as you don’t have any claims for a certain period of time.
  • Theft Deterent – Cars and trucks equipped with anti-theft or alarm systems are stolen less frequently and can earn a small discount on your policy.
  • Claim-Free Discount – Drivers who don’t have accidents get the best insurance coverage rates when compared with drivers with a long claim history.
  • Home Ownership Discount – Owning your own home or condo can save a few bucks because maintaining a house means you have a higher level of financial diligence.
  • Save over 55 – Older drivers could receive lower premium rates on Camry insurance.

Don’t be shocked that most discount credits are not given to your bottom line cost. A few only apply to specific coverage prices like physical damage coverage or medical payments. Despite the fact that it seems like it’s possible to get free car insurance, you won’t be that lucky.

A few popular companies and some of the premium reductions they offer are outlined below.

  • State Farm has savings for good student, anti-theft, good driver, defensive driving training, Drive Safe & Save, Steer Clear safe driver discount, and safe vehicle.
  • GEICO may include discounts for multi-policy, federal employee, air bags, membership and employees, defensive driver, and multi-vehicle.
  • Progressive policyholders can earn discounts including multi-policy, continuous coverage, online quote discount, online signing, good student, homeowner, and multi-vehicle.
  • 21st Century may offer discounts for defensive driver, student driver, automatic seat belts, theft prevention, and anti-lock brakes.
  • American Family includes discounts for Steer into Savings, good driver, TimeAway discount, bundled insurance, defensive driver, and air bags.
  • The Hartford discounts include vehicle fuel type, good student, bundle, air bag, anti-theft, and defensive driver.
  • AAA offers discounts for good driver, anti-theft, pay-in-full, multi-car, multi-policy, education and occupation, and AAA membership discount.

When getting a coverage quote, ask all the companies how you can save money. All car insurance discounts may not be offered in your area. To find insurance companies that offer multiple discounts, click here to view.

Car insurance is unique, just like you

When it comes to buying coverage, there isn’t really a cookie cutter policy. Everyone’s situation is a little different so this has to be addressed. For instance, these questions may help you determine if your insurance needs could use an agent’s help.

  • Should I buy more coverage than the required minimum liability coverage?
  • Am I covered when delivering products for my home-based business?
  • Does my insurance cover my expensive audio equipment?
  • Is business equipment covered while in my vehicle?
  • Is borrowed equipment or tools covered if stolen or damaged?
  • How much can I save by bundling my policies?
  • What is roadside assistance coverage?
  • Am I getting all the discounts available?
  • Is my dog or cat covered if injured in an accident?

If you’re not sure about those questions, then you may want to think about talking to an insurance agent. If you want to speak to an agent in your area, take a second and complete this form or go to this page to view a list of companies. It’s fast, doesn’t cost anything and may give you better protection.

Coverage specifics

Having a good grasp of a auto insurance policy can be of help when determining the best coverages at the best deductibles and correct limits. The coverage terms in a policy can be confusing and nobody wants to actually read their policy. Shown next are typical coverage types offered by auto insurance companies.

UM/UIM Coverage

Your UM/UIM coverage protects you and your vehicle’s occupants from other motorists when they are uninsured or don’t have enough coverage. Covered losses include injuries to you and your family as well as your vehicle’s damage.

Because many people carry very low liability coverage limits, their liability coverage can quickly be exhausted. For this reason, having high UM/UIM coverages is important protection for you and your family.

Medical costs insurance

Medical payments and Personal Injury Protection insurance reimburse you for expenses for things like funeral costs, hospital visits, dental work and EMT expenses. They can be utilized in addition to your health insurance policy or if you do not have health coverage. They cover not only the driver but also the vehicle occupants and also covers if you are hit as a while walking down the street. Personal injury protection coverage is not universally available and gives slightly broader coverage than med pay

Comprehensive or Other Than Collision

This pays to fix your vehicle from damage caused by mother nature, theft, vandalism and other events. A deductible will apply then your comprehensive coverage will pay.

Comprehensive coverage pays for claims such as rock chips in glass, vandalism, damage from a tornado or hurricane, a tree branch falling on your vehicle and hail damage. The maximum payout you can receive from a comprehensive claim is the market value of your vehicle, so if it’s not worth much more than your deductible it’s probably time to drop comprehensive insurance.

Liability car insurance

Liability insurance will cover injuries or damage you cause to people or other property in an accident. It protects you from claims by other people. Liability doesn’t cover your injuries or vehicle damage.

Split limit liability has three limits of coverage: bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You might see values of 25/50/25 that means you have a limit of $25,000 per injured person, a total of $50,000 of bodily injury coverage per accident, and property damage coverage for $25,000.

Liability coverage pays for things such as attorney fees, medical services, funeral expenses and repair costs for stationary objects. How much liability coverage do you need? That is your choice, but consider buying as large an amount as possible.

Coverage for collisions

Collision insurance pays to fix your vehicle from damage resulting from a collision with another vehicle or an object, but not an animal. You will need to pay your deductible then the remaining damage will be paid by your insurance company.

Collision insurance covers claims like colliding with another moving vehicle, crashing into a building, hitting a mailbox, backing into a parked car and sustaining damage from a pot hole. Paying for collision coverage can be pricey, so analyze the benefit of dropping coverage from lower value vehicles. It’s also possible to increase the deductible to bring the cost down.

Comments About 1995 Toyota Camry Insurance

  1. Lamont Morrison

    Cheap is not always the best policy. Found cheapest coverage with Nationwide for my Toyota and saved around $60 a year. I’m thinking about dropping full coverage though.

  2. Taina Nelson

    Lifelong resident of Lexington, KY. I don’t recall every quote but I ended up saving about $20 each month. I used their website to get prices. Liability only on my Toyota.

  3. Sabine Osborn

    Well-written and thought out article. Got a quote with Erie for my 1995 Toyota Camry and saved around $80 a year. Insured with Western Auto Insurance before.

  4. Shila Mullins

    1995 Toyota Camry + Allstate = GOOD RATES!

  5. Yun Bush

    I live on the west side of New York City, New York. Quoted with USAA, Amica, The General, and MetLife for my Camry and cut my rates about $90 a year. I get multi-vehicle and multi-policy discounts.

  6. Victor Sheppard

    Affordable car insurance is a myth. I’m from Henderson, Nevada. I got free quotes with American Family, Sentry, and a few others for my Toyota and I’m now saving $14 a month. Got better coverage too.

  7. Shannon Peterson

    If you have a clean record and live around Henderson, NV, check out Progressive. I saved quite a bit. Just liability coverage since it’s getting old.

  8. Delana Merrill

    I got quite a few price quotes for a 1995 Toyota Camry in Evansville, IN. Ended up at roughly $110 every six months with AAA.

  9. Joane Robles

    I live west of Portland, ME. Got quotes from Progressive, AAA, and some I forget for my 1995 Toyota Camry and I think I saved about $30 each month. Got better coverage too. Might find lower rates online.

  10. Maria Eaton

    Cheaper car insurance is a myth. I’m in the south part of Davenport, IA. I got free quotes with Progressive, Encompass, and GMAC for my Toyota and I’m now saving $12 a month. Even increased coverage a bit. Next renewal I’ll just do liability.

  11. Sana Landry

    I compared a lot of rate quotes for a 1995 Toyota Camry in Augusta, GA. Ended up at right around $100 every six months with Amica. Wish I didn’t have to insure at all.

  12. Janee Giles

    Does GEICO have good claim service?