How Much Does 1999 Toyota Camry Solara Insurance Cost?

Searching for better insurance prices for a Toyota Camry Solara could be difficult, but you can use the following methods to make it easier. There is a better way to find insurance coverage online so we’re going to tell you the absolute fastest way to get price quotes on a Toyota and get the cheapest rates from local insurance agents and online providers.

If you have a policy now or need new coverage, you can use these techniques to get lower rates and still get good coverage. Finding more affordable protection is easy if you know what you’re doing. Drivers only need an understanding of the best way to get comparison rates on the web.

Save money with discounts

The price of auto insurance can be rather high, but discounts can save money and there are some available to reduce the price significantly. Many of these discounts will be applied automatically when you quote, but some need to be specially asked for before you will receive the discount.

• Accident Free – Drivers who don’t have accidents pay much less when compared with drivers with a long claim history.
• Bundle and Save – If you have multiple policies with one company you could earn a discount of at least 10 to 15 percent or more.
• Discount for Life Insurance – Some insurance carriers give a lower price if you buy some life insurance too.
• One Accident Forgiven – This isn’t a discount exactly, but certain companies may permit one accident before hitting you with a surcharge so long as you haven’t had any claims for a certain period of time.
• Seat Belts Save – Drivers who require all vehicle occupants to buckle up before driving can save up to 10 percent (depending on the company) on the premium charged for medical payments and/or PIP.

A little disclaimer on discounts, many deductions do not apply to the entire cost. Most only reduce the cost of specific coverages such as medical payments or collision. Just because it seems like you can get free auto insurance, that’s just not realistic.

A few of the larger companies and their possible discounts are outlined below.

• Mercury Insurance has discounts for type of vehicle, age of vehicle, multi-car, professional/association, anti-theft, and good driver.
• Farmers Insurance includes discounts for switch companies, early shopping, teen driver, alternative fuel, and multi-car.
• Farm Bureau offers discounts including renewal discount, driver training, multi-vehicle, safe driver, 55 and retired, youthful driver, and multi-policy.
• State Farm may have discounts that include safe vehicle, Steer Clear safe driver discount, anti-theft, good driver, defensive driving training, passive restraint, and multiple policy.
• Allstate offers discounts for defensive driver, multi-policy, resident student, passive restraint, FullPay discount, and anti-lock brakes.
• Geico may offer discounts for anti-lock brakes, seat belt use, driver training, defensive driver, and air bags.

If you need lower rates, check with each company the best way to save money. Discounts might not apply in your area. To locate providers with the best discounts, click here to view.

Smart buyers save on insurance

One of the most helpful ways to save on car insurance is to to have a grasp of some of the factors that come into play when calculating your premiums. When you understand what controls the rates you pay, this empowers consumers to make smart changes that can help you get better car insurance rates. Lots of things are taken into consideration when pricing auto insurance. Some factors are common sense such as your driving history, but other criteria are not as apparent like your vehicle usage or your vehicle rating.

• Premiums are high for teenagers – Teen drivers have been known to be careless and easily distracted behind the wheel so they pay higher car insurance rates. If you’ve ever had to add a youthful driver onto a policy can increase premiums substantially. Older people are proven to be safer behind the wheel, file fewer claims and tend to be get fewer driving tickets.
• Extra coverages that may not be needed – Policies have optional add-on coverages that you can buy if you aren’t diligent. Coverage for things like vanishing deductibles, accidental death, and motor club memberships are some examples. They may sound like good ideas when you first buy your policy, but your needs may have changed so eliminate them to save money.
• Too many insurance claims drive up car insurance rates – If you are a frequent claim filer, you can pretty much guarantee either higher rates or even cancellation. Car insurance companies generally give the lowest premiums to drivers who are claim-free. Insurance coverage is intended to be relied upon for claims that you cannot pay yourself.
• Discounts for multiple policies – Most larger companies will award a discount for people who buy several policies from them. It’s known as a multi-policy discount. Even with this discount applied, it’s always a smart idea to compare other insurance prices to verify if the discount is saving money.
• City traffic equals higher premiums – Living in areas with lower population can be a good thing when talking about car insurance. City drivers tend to have more aggressive driving styles and much longer commute distances. Less people means reduced accidents and lower theft and vandalism rates.
• Insurance costs and driver gender – Statistics show women tend to be less risk to insure than men. Now that doesn’t mean females are better drivers. Both sexes are responsible for at-fault accidents in similar numbers, but men have accidents that have higher claims. Not only are claims higher, but men get more serious tickets like driving under the influence (DUI). Young males cause the most accidents and therefore pay the highest rates.
• Do you work long hours in a tough job? – Careers like doctorsairline pilots and financial analysts are shown to have higher premiums than the average policyholder in part from intense work-related stress and incredibly demanding work hours. Other professions such as professors, athletes and retirees receive lower rates for Camry Solara insurance.

What is the best auto insurance coverage?

When it comes to buying proper insurance coverage for your vehicles, there is no “perfect” insurance plan. Everyone’s situation is unique.

These are some specific questions may help you determine if you may require specific advice.

• What is covered by UM/UIM coverage?
• Does insurance cover damages from a DUI accident?
• Am I covered when driving a rental car?
• Does having multiple vehicles earn me a discount?
• If my 1999 Toyota Camry Solara is totaled, can I afford another vehicle?
• Which companies will insure high-risk drivers?
• What discounts do I qualify for?
• Is my vehicle covered by my employer’s policy when using it for work?
• Does my insurance cover my expensive audio equipment?

If you can’t answer these questions, you may need to chat with an agent. If you don’t have a local agent, take a second and complete this form. It is quick, free and can help protect your family.

Coverages available on your auto insurance policy

Learning about specific coverages of your policy can help you determine which coverages you need for your vehicles. Auto insurance terms can be difficult to understand and reading a policy is terribly boring.

Liability insurance

This coverage can cover damage that occurs to people or other property in an accident. It protects YOU from claims by other people, and doesn’t cover your own vehicle damage or injuries.

Coverage consists of three different limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. Your policy might show limits of 50/100/50 that translate to a limit of $50,000 per injured person, a per accident bodily injury limit of $100,000, and a total limit of $50,000 for damage to vehicles and property.

Liability can pay for things such as structural damage, legal defense fees, pain and suffering and emergency aid. How much coverage you buy is your choice, but buy as high a limit as you can afford.

Collision protection

This coverage pays for damage to your Camry Solara from colliding with an object or car. You have to pay a deductible and the rest of the damage will be paid by collision coverage.

Collision coverage protects against claims such as rolling your car, sustaining damage from a pot hole, backing into a parked car and sideswiping another vehicle. Collision is rather expensive coverage, so consider removing coverage from vehicles that are 8 years or older. It’s also possible to bump up the deductible to get cheaper collision coverage.

Comprehensive auto insurance

This pays for damage from a wide range of events other than collision. You first must pay your deductible then your comprehensive coverage will pay.

Comprehensive can pay for things such as fire damage, damage from a tornado or hurricane and hitting a deer. The maximum amount you’ll receive from a claim is the ACV or actual cash value, so if the vehicle’s value is low consider dropping full coverage.

Coverage for medical expenses

Med pay and PIP coverage provide coverage for short-term medical expenses for doctor visits, chiropractic care, EMT expenses and prosthetic devices. The coverages can be used in conjunction with a health insurance policy or if you do not have health coverage. Medical payments and PIP cover both the driver and occupants and also covers if you are hit as a while walking down the street. PIP coverage is only offered in select states and gives slightly broader coverage than med pay

Coverage for uninsured or underinsured drivers

Uninsured or Underinsured Motorist coverage protects you and your vehicle from other drivers when they either are underinsured or have no liability coverage at all. It can pay for injuries sustained by your vehicle’s occupants as well as your vehicle’s damage.

Because many people only purchase the least amount of liability that is required, their liability coverage can quickly be exhausted. That’s why carrying high Uninsured/Underinsured Motorist coverage is very important.

A penny earned…

When you buy insurance coverage online, don’t be tempted to skimp on critical coverages to save a buck or two. There are too many instances where an insured dropped uninsured motorist or liability limits to discover at claim time that saving that couple of dollars actually costed them tens of thousands. Your focus should be to buy a smart amount of coverage at the best possible price, but do not sacrifice coverage to save money.

Consumers who switch companies do it for any number of reasons including an unsatisfactory settlement offer, high rates after DUI convictions, denial of a claim or even delays in paying claims. Whatever your reason, switching companies can be less work than you think.

We covered many ideas to compare 1999 Toyota Camry Solara insurance car insurance rates online. The most important thing to understand is the more companies you get premium rates for, the better your comparison will be. Consumers could even find that the lowest car insurance rates come from a small local company.

For more information, link through to the resources below:

• Distracted Driving Extends Beyond Texting (State Farm)
• Vehicle Size and Weight FAQ (iihs.org)
• Electronic Stability Control FAQ (iihs.org)
• Driving in Bad Weather (Insurance Information Insitute)
• Cellphones, Texting and Driving (iihs.org)