1999 Toyota Camry Car Insurance Quotes

Want better insurance coverage rates for your Toyota Camry? Having to pay for expensive Toyota Camry insurance can eat up your funds and make it impossible to make ends meet. Vehicle owners have many insurance companies to buy insurance from, and although it’s nice to have multiple companies, it can be more difficult to compare rates and find the lowest cost insurance coverage.

How much does car insurance cost?

Cutting your car insurance rates is an easy way to save money. Drivers just need to invest a few minutes to compare free insurance coverage quotes online with multiple companies. This is very easy and can be done in a couple of different ways.

1. If you don’t have a lot of time, the easiest way to find the lowest comparison rates would be an industry-wide quote request form click to view form in new window. This form keeps you from doing repetitive form entry for each company. One simple form gets rate comparisons direct from many companies.
2. A slightly less efficient method to get quotes online is to take the time to go to the website of each company and repeat the quote process. For examples sake, we’ll assume you want comparison quotes from Allstate, 21st Century and GMAC. You would need to spend time on each company’s site and type in your information over and over, which can take a lot of time.

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

3. The hardest method to comparison shop is to spend time driving to each insurance agency near you. The fact that you can get quotes online eliminates this option unless you have a complicated situation and need the peace of mind of a licensed agent. Some companies do allow you to price shop your coverage online but have your policy serviced through an agent.

You can choose any of those ways to find more affodable coverage, but ensure you’re using identical coverages for each comparison quote. If you enter differing limits it’s impossible to make an equal comparison.

Use discounts to get cheaper car insurance rates

Companies that sell car insurance don’t always list every possible discount in a way that’s easy to find, so the below list has some of the best known as well as some of the hidden credits available to you.

• Accident Free – Good drivers with no accidents pay much less as opposed to drivers who are more careless.
• Save with More Vehicles Insured – Buying coverage for multiple vehicles on one policy can get a discount for every vehicle.
• Seat Belt Usage – Drivers who require all occupants to wear their seat belts could save 15% on medical payment and PIP coverage.
• College Student – Any of your kids who live away from home to go to college and won’t have access to an insured vehicle may qualify for this discount.
• Theft Prevention System – Cars, trucks, and SUVs equipped with anti-theft or alarm systems are stolen with less frequency and therefore earn up to a 10% discount.

A little note about advertised discounts, most discounts do not apply to the entire policy premium. A few only apply to specific coverage prices like liability, collision or medical payments. So despite the fact that it appears adding up those discounts means a free policy, it doesn’t quite work that way.

Some companies that may offer policyholders these money-saving discounts may include but are not limited to:

• Progressive
• Farmers Insurance
• Farm Bureau
• State Farm
• Geico
• SAFECO
• Liberty Mutual

When getting a coverage quote, ask every prospective company what discounts are available to you. Some discounts may not be offered in your area.

Tailor your auto insurance coverage to you

When it comes to choosing the right insurance coverage for your personal vehicles, there isn’t really a “perfect” insurance plan. Everyone’s needs are different and your policy should reflect that. For example, these questions might point out if your situation would benefit from professional advice.

• Exactly who is provided coverage by my policy?
• Why am I be forced to buy a membership to get insurance from some companies?
• Does car insurance cover theft of personal property?
• Should I drop comprehensive coverage on older vehicles?
• Am I covered if I drive in a foreign country?
• Is my teen driver covered when they drive my company car?
• Do I need more liability coverage?
• Should I have combined single limit or split liability limits?
• Do I need higher collision deductibles?

If it’s difficult to answer those questions but a few of them apply then you might want to talk to a licensed agent. To find lower rates from a local agent, simply complete this short form or you can also visit this page to select a carrier It is quick, free and you can get the answers you need.

Insurance coverage considerations

Having a good grasp of your insurance policy helps when choosing the best coverages and the correct deductibles and limits. The coverage terms in a policy can be impossible to understand and coverage can change by endorsement. Below you’ll find the normal coverages found on most insurance policies.

Coverage for medical expenses

Coverage for medical payments and/or PIP pay for short-term medical expenses for chiropractic care, X-ray expenses and EMT expenses. They are often used in conjunction with a health insurance program or if there is no health insurance coverage. Medical payments and PIP cover all vehicle occupants as well as any family member struck as a pedestrian. Personal injury protection coverage is not available in all states but it provides additional coverages not offered by medical payments coverage

Comprehensive insurance

This coverage pays for damage that is not covered by collision coverage. You first have to pay a deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage pays for claims such as hail damage, damage from flooding, damage from getting keyed, falling objects and vandalism. The highest amount you can receive from a comprehensive claim is the ACV or actual cash value, so if your deductible is as high as the vehicle’s value it’s probably time to drop comprehensive insurance.

Liability

Liability coverage protects you from injuries or damage you cause to a person or their property by causing an accident. It protects YOU from claims by other people, and does not provide coverage for 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. Your policy might show liability limits of 50/100/50 that means you have $50,000 in coverage for each person’s injuries, a per accident bodily injury limit of $100,000, and property damage coverage for $50,000.

Liability insurance covers things such as medical services, bail bonds and loss of income. How much coverage you buy is a decision to put some thought into, but buy higher limits if possible.

Coverage for uninsured or underinsured drivers

This coverage gives you protection from other motorists when they do not carry enough liability coverage. Covered claims include hospital bills for your injuries and also any damage incurred to your Toyota Camry.

Because many people only purchase the least amount of liability that is required, their liability coverage can quickly be exhausted. So UM/UIM coverage should not be overlooked.

Collision insurance

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

Collision coverage protects against things like colliding with a tree, backing into a parked car, hitting a parking meter, sideswiping another vehicle and colliding with another moving vehicle. Collision coverage makes up a good portion of your premium, so consider removing coverage from vehicles that are 8 years or older. It’s also possible to raise the deductible to save money on collision insurance.