2006 Toyota Camry Insurance Quotes

Finding cheaper insurance for your Toyota Camry can be an all-consuming task, but you can use our insurance buying tips and make it easy.

There is a better way to buy insurance and we’ll show you the quickest way to quote coverages for your Toyota and find the lowest price from local insurance agents and online providers.

Smart consumers take time to do price comparisons periodically since prices change quite often. If you had the best rates for Camry insurance a year ago you can probably find a lower rate today. Forget all the misinformation about insurance because you’re about to learn the best way to properly buy coverages and cut your premium.

Slash your auto insurance rates with discounts

Auto insurance companies don’t always publicize every discount they offer very well, so here is a list both the well known and also the more inconspicuous auto insurance savings.

  • Drivers Ed for Students – Require your teen driver to participate in a local driver’s education class in school.
  • Seat Belt Discounts – Forcing all vehicle occupants to wear their seat belts may be able to save a few bucks on the medical payments or PIP coverage costs.
  • Discounts for New Vehicles – Insuring a vehicle that is new can cost up to 25% less because new vehicles keep occupants safer.
  • Drive Less and Save – Fewer annual miles on your Toyota may enable drivers to earn better premium rates on cars that stay parked.
  • Membership in Organizations – Belonging to qualifying employment or professional organizations could trigger savings on your bill.
  • Home Ownership Discount – Owning a home can get you a discount since owning and maintaining a home is proof of financial responsibility.

Keep in mind that many deductions do not apply to the overall cost of the policy. Most only cut specific coverage prices like medical payments or collision. Despite the appearance that you could get a free auto insurance policy, that’s just not realistic.

Some companies that may offer some of the discounts shown above include:

When comparing rates, check with all the companies what discounts are available to you. All car insurance discounts may not apply to policies in every state. If you would like to view companies that offer many of these discounts, click this link.

You are unique and your insurance should be too

When it comes to choosing adequate coverage for your personal vehicles, there really is no one size fits all plan. Every insured’s situation is different.

For example, these questions can aid in determining if your insurance needs could use an agent’s help.

  • Do I need special endorsements for business use of my vehicle?
  • Do I need PIP (personal injury protection) coverage in my state?
  • Am I covered if hit by an uninsured driver?
  • When would I need rental car insurance?
  • Should I drop comprehensive coverage on older vehicles?
  • Can my babysitter drive my car?
  • Do I have coverage when making deliveries for my home business?
  • Does my insurance cover damage caused when ticketed for reckless driving?

If it’s difficult to answer those questions, you may need to chat with an agent. If you don’t have a local agent, simply complete this short form. It’s fast, doesn’t cost anything and may give you better protection.

Specific coverage details

Understanding the coverages of your car insurance policy can help you determine appropriate coverage at the best deductibles and correct limits. The coverage terms in a policy can be ambiguous and coverage can change by endorsement.

Coverage for uninsured or underinsured drivers – Your UM/UIM coverage protects you and your vehicle’s occupants from other drivers when they are uninsured or don’t have enough coverage. Covered claims include medical payments for you and your occupants as well as your vehicle’s damage.

Due to the fact that many drivers have only the minimum liability required by law, their limits can quickly be used up. So UM/UIM coverage is very important. Most of the time these coverages do not exceed the liability coverage limits.

Coverage for medical expenses – Coverage for medical payments and/or PIP pay for immediate expenses for EMT expenses, chiropractic care, nursing services and ambulance fees. They are often used in conjunction with a health insurance policy or if there is no health insurance coverage. Coverage applies to all vehicle occupants in addition to getting struck while a pedestrian. PIP coverage is not an option in every state and gives slightly broader coverage than med pay

Comprehensive car insurance – This pays to fix your vehicle from 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 coverage protects against claims such as vandalism, falling objects and rock chips in glass. The maximum payout you’ll receive from a claim is the actual cash value, so if the vehicle’s value is low it’s probably time to drop comprehensive insurance.

Auto liability insurance – Liability insurance protects you from damage that occurs to other people or property that is your fault. It protects you against other people’s claims, and does not provide coverage for your injuries or vehicle damage.

Liability coverage has three limits: bodily injury per person, bodily injury per accident and property damage. Your policy might show limits of 100/300/100 which stand for a $100,000 limit per person for injuries, a limit of $300,000 in injury protection per accident, and property damage coverage for $100,000. Alternatively, you may have one limit called combined single limit (CSL) that pays claims from the same limit without having the split limit caps.

Liability coverage pays for things like medical expenses, structural damage, funeral expenses and pain and suffering. How much liability should you purchase? That is up to you, but consider buying as much as you can afford.

Collision coverage – Collision coverage will pay to fix damage to your Camry from colliding with a stationary object or other vehicle. You will need to pay your deductible then your collision coverage will kick in.

Collision can pay for claims such as sustaining damage from a pot hole, hitting a mailbox and colliding with a tree. Collision coverage makes up a good portion of your premium, so you might think about dropping it from vehicles that are older. Another option is to increase the deductible in order to get cheaper collision rates.

And the best car insurance company is…

We just presented some good ideas how you can save on 2006 Toyota Camry insurance. The key concept to understand is the more you quote insurance coverage, the better your chances of lowering your rates. Consumers may even find the most savings is with the smaller companies.

As you shop your coverage around, do not buy poor coverage just to save money. There are a lot of situations where drivers have reduced liability coverage limits to discover at claim time that their decision to reduce coverage ended up costing them more. The proper strategy is to get the best coverage possible at the best price while still protecting your assets.

Discount 2006 Toyota Camry insurance is possible both online in addition to local insurance agencies, and you should compare price quotes from both to get a complete price analysis. Some companies may not offer price quotes online and most of the time these regional carriers sell through local independent agencies.

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Comments About 2006 Toyota Camry Insurance

  1. Martina Daniel

    I’m just east of Springfield, Missouri. Quoted a bunch of companies. Saved about $40 a month. State Farm was the best choice for me. My new agent seems to be really good. God forbid I actually have a claim.

  2. Terry Zimmerman

    I found pretty cheap rate quotes for a 2006 Toyota Camry in Boston, MA. Ended up at about $250 every six months with AAA. Have an at-fault accident tho. Still almost need a second mortgage.

  3. Kristan Travis

    I’m looking for cheaper coverage. I live in a small town just outside of Charlotte, North Carolina. Got car insurance quotes from Hartford, Amica, Sentry, and a couple others for my 2006 Toyota Camry and I’m now saving $55 a month. Left Farmers to switch. I have a couple other vehicles on the policy.

  4. Brunilda Ramsey

    I’ve bought from Allstate forever. Cheapest rates in Spokane, WA.

  5. Portia Webster

    Live in Baton Rouge, Louisiana. I compared lots of rates. Saved roughly $40 a month. Allstate was the best choice for me.

  6. Kathlyn Campos

    I got decent rates for a 2006 Toyota Camry in Wichita, KS. Ended up at darn near $360 every six months with Amica. Was with Liberty Mutual. I get multi-vehicle and multi-policy discounts.

  7. Drew Little

    Not sure if this is cheap. I’m just north of Warwick, RI. Received prices from Allstate, Amica, Eastwood, and Liberty Mutual for my Toyota and I think I saved about $30 each month.

  8. Gladis Wiggins

    Found cheapest coverage with GEICO for my 2006 Toyota Camry and cut my rates about $510 a year. Got better coverage too. Online quotes are the way to go.

  9. Jeremy Baldwin

    This is too expensive. I’m in the east part of Honolulu, HI. Not sure of all the companies but I ended up saving about $60 each month. Might find lower rates online.

  10. Raina Mckinney

    I found pretty cheap rate quotes for a 2006 Toyota Camry in Cranston, RI. Ended up at about $450 every six months with AAA.

  11. Cassandra Roth

    I’m in the south part of San Jose, CA. Went online for free insurance quotes for a 2006 Toyota Camry. Ended up at about $520 savings annually. Went with GEICO. Just waiting to see how claims go.

  12. Ines Strickland

    Cheap car insurance? What’s that? I live west of Chesapeake, VA. Quoted with Allstate, AAA, and some I forget for my 2006 Toyota Camry and saved around $90 a year. Left Esurance to switch. I have a teen driver too.

  13. Alexandra Kaufman

    Any Progressive or Eastwood customers near Los Angeles, California?

  14. Maryjane Chan

    I found pretty cheap rate quotes for a 2006 Toyota Camry in Springfield, Massachusetts. Ended up at darn near $230 every six months with Auto-Owners. Insured with AAA before.

  15. Carmelita Fischer

    Checking in from Cleveland, OH. Received quotes with Auto-Owners, Eastwood, and Mercury for my 2006 Toyota Camry and I’m now saving $49 a month. I have kids on my policy, too.

  16. Zaida Norton

    Cheap is relative. I live just outside Cedar Rapids, IA. I quoted with Auto-Owners, Nationwide, and Travelers for my 2006 Toyota Camry and saved $482 a year. Bought it from an online quote.

  17. Leticia Barton

    In Davenport, Iowa, AAA had the best rates for my 2006 Toyota Camry. It was easy to get rates.

  18. Julie Miles

    If you’re a decent driver and live around Cranston, Rhode Island, check out Progressive. You might get cheaper rates. Was with Mercury. I get a discount for insuring multiple vehicles.