Cheap 2013 Toyota Camry Hybrid Car Insurance Quotes

There isn’t a single person who is fond of buying insurance coverage, especially when the cost is way too high.

Many car insurance companies vie to insure your vehicles, so it’s not easy to compare every provider and get the best coverage at the lowest rate

It is always a good idea to quote other rates on a regular basis since insurance prices change quite often. Even if you got the best price on Camry Hybrid coverage two years ago there is a good chance you can find better rates now. Forget all the misinformation about insurance coverage because it’s time to teach you the fastest way to remove unneeded coverages and save money.

Discount auto insurance quotes

Some providers don’t always publicize every disount available very clearly, so here is a list both the well known in addition to some of the lesser obvious credits available to bring down your rates.

  • Seat Belt Discounts – Using a seat belt and requiring all passengers to buckle up before driving can save up to 15% off the personal injury premium cost.
  • Switch and Save Discount – Some larger companies reward drivers for switching to them before your current coverage expires. You could save around 10% when you buy insurance online.
  • Mature Driver Discount – If you qualify as a senior citizen, you are able to get a small decrease in premiums on Camry Hybrid coverage.
  • Payment Discounts – By paying your entire bill at once rather than paying in monthly installments you can actually save on your bill.
  • Discount for Low Mileage – Fewer annual miles on your Toyota could be rewarded with substantially lower auto insurancerates.
  • Multi-Vehicle Discounts – Insuring all your vehicles with the same company can get a discount for every vehicle.
  • Discount for Life Insurance – Select insurance companies reward you with a discounted price on car insurance if you buy a life insurance policy as well.
  • Theft Deterent Discount – Cars equipped with anti-theft or alarm systems prevent vehicle theft and therefore earn up to a 10% discount.

It’s important to understand that some of the credits will not apply to the entire policy premium. Most only reduce the cost of specific coverages such as liability and collision coverage. So even though they make it sound like all the discounts add up to a free policy, companies wouldn’t make money that way. Any amount of discount will positively reduce your overall premium however.

Larger auto insurance companies and a selection of discounts can be read below.

  • State Farm policyholders can earn discounts including anti-theft, multiple autos, defensive driving training, Steer Clear safe driver discount, and good driver.
  • Farmers Insurance offers premium reductions for bundle discounts, youthful driver, alternative fuel, homeowner, and good student.
  • Progressive has discounts for good student, multi-vehicle, homeowner, online signing, continuous coverage, online quote discount, and multi-policy.
  • GEICO offers discounts including anti-theft, good student, military active duty, five-year accident-free, seat belt use, and driver training.
  • Auto-Owners Insurance may include discounts for group or association, teen driver, paid in full, paperless, air bags, anti-lock brakes, and multiple vehicles.
  • The Hartford includes discounts for defensive driver, good student, air bag, vehicle fuel type, anti-theft, and driver training.
  • Farm Bureau has savings for good student, renewal discount, 55 and retired, driver training, youthful driver, and multi-vehicle.
  • USAA may have discounts that include defensive driver, vehicle storage, family discount, driver training, military installation, and multi-vehicle.

Check with every company which discounts you qualify for. Some discounts listed above may not apply to policyholders in your state. For a list of insurance companies that offer discounts, follow this link.

Components of your Toyota Camry Hybrid insurance costs

Lots of things are part of the equation when you get a price on insurance. Some are obvious like an MVR report, but other factors are less apparent like your vehicle usage or how financially stable you are.Part of the insurance buying process is learning the factors that are used to determine the price you pay for insurance. If you have a feel for what influences your rates, this empowers consumers to make smart changes that can earn you big savings.

The following are some of the items used by companies to determine your premiums.

  • Know your vehicle’s IIHS safety rating – Vehicles with good safety scores can get you lower premiums. Vehicles built for safety reduce occupant injuries and lower rates of occupant injuries means your insurance company pays less which can mean better rates for you.
  • Premiums drop with age – Teen drivers are proven to be easily distracted when driving with friends so insurance rates are higher. Having to add a young driver to your policy can increase premiums substantially. Mature drivers are more cautious drivers, are lower risk to insure and receive fewer citations.
  • Cheaper to insure women? – The statistics show that men are more aggressive behind the wheel. The data does not necessarily mean that females are better at driving than males. Both genders cause accidents at a similar rate, but the males cause more damage. Not only that, but men also get more serious tickets like driving under the influence (DUI).
  • Consolidate home and auto and save – The majority of companies provide a discount to policyholders who buy several policies from them such as combining an auto and homeowners policy. Discounts can add up to ten or even up to twenty percent in some cases. Even with this discount, it’s always a smart idea to comparison shop to ensure the best deal. It’s possible to still save more without the discount by splitting coverages up.
  • Policy add-ons can waste money – Policies have additional coverages that can add up but may not be useful. Insurance for things like replacement cost coverage, death and dismemberment, and term life insurance may be costing you every month. These may sound like a good investment when deciding what coverages you need, but now you might not need them so eliminate the coverages to reduce your premium.
  • Pay more if you have a long commute – Living in a rural area can be a good thing when buying insurance. Fewer drivers and short commutes means fewer accidents in addition to lower liability claims Drivers in populated areas tend to have much more traffic and a longer drive to work. More time commuting means more chance of being in an accident.
  • High stress occupation may mean higher insurance rates – Did you know your insurance rates can be affected by your occupation? Careers like lawyersair traffic controllers and financial analysts tend to pay the highest rates because of stressful work requirements and lots of time spent away from family. On the flip side, occupations such as professors, engineers and retirees generally pay rates lower than average on Camry Hybrid coverage.

Tailor your car insurance coverage to you

When choosing adequate coverage for your vehicles, there really is no one size fits all plan. Your needs are not the same as everyone else’s so this has to be addressed. These are some specific questions may help you determine whether you could use an agent’s help.

  • Why am I be forced to buy a membership to get insurance from some companies?
  • How many claims can I have before being cancelled?
  • Do I need an umbrella policy?
  • Is a fancy paint job covered?
  • Do I need PIP coverage since I have good health insurance?
  • Does insurance cover damages from a DUI accident?
  • How does medical payments coverage work?

If you can’t answer these questions, you might consider talking to an insurance agent. To find an agent in your area, simply complete this short form or go to this page to view a list of companies.

Can you really save $489 a year?

Progressive, Allstate and GEICO seem to constantly run television and radio advertisements. They all convey the message that drivers will save a bundle if you change your policy. How does every company offer you a better deal? This is how they do it.

All companies have underwriting criteria for the type of driver that will not have excessive claims. For example, a driver they prefer might be between the ages of 40 and 55, has never had a claim, and drives less than 10,000 miles a year. A customer getting a price quote that fits those parameters will qualify for the lowest car insurance rates as well as cut their rates if they switch.

Potential insureds who do not meet these criteria may be forced to pay a higher rate and this can result in the customer not purchasing. If you listen closely, the ads state “people that switch” but not “everyone who gets a quote” save that kind of money. This is how insurance companies can confidently make claims that they all have the best prices. Because every company is different, it’s extremely important to compare quotes as often as possible. Because without a comparison, you cannot know which company will fit your personal profile best.

Insurance policy specifics

Understanding the coverages of your policy can be of help when determining which coverages you need and proper limits and deductibles. The terms used in a policy can be ambiguous and even agents have difficulty translating policy wording. These are typical coverages found on most insurance policies.

Insurance for medical payments

Coverage for medical payments and/or PIP kick in for bills like X-ray expenses, funeral costs, ambulance fees, surgery and chiropractic care. They are often utilized in addition to your health insurance plan or if you do not have health coverage. They cover both the driver and occupants in addition to any family member struck as a pedestrian. PIP coverage is not an option in every state but it provides additional coverages not offered by medical payments coverage

Liability

This coverage will cover damage that occurs to other’s property or people. This insurance protects YOU against claims from other people. Liability doesn’t cover your own vehicle damage or injuries.

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. As an example, you may have values of 50/100/50 that means you have $50,000 bodily injury coverage, a per accident bodily injury limit of $100,000, and a limit of $50,000 paid for damaged property.

Liability insurance covers claims like loss of income, medical services and pain and suffering. The amount of liability coverage you purchase is a personal decision, but you should buy as large an amount as possible.

Collision coverage protection

Collision coverage will pay to fix damage to your Camry Hybrid from colliding with a stationary object or other vehicle. A deductible applies and then insurance will cover the remainder.

Collision coverage pays for things like driving through your garage door, backing into a parked car and scraping a guard rail. Paying for collision coverage can be pricey, so you might think about dropping it from older vehicles. You can also choose a higher deductible to save money on collision insurance.

Comprehensive coverage (or Other than Collision)

This pays for damage OTHER than collision with another vehicle or object. You need to pay your deductible first then your comprehensive coverage will pay.

Comprehensive coverage pays for claims like damage from a tornado or hurricane, damage from flooding, fire damage, rock chips in glass and a tree branch falling on your vehicle. The most your insurance company will pay is the actual cash value, so if the vehicle’s value is low consider removing comprehensive coverage.

Uninsured Motorist or Underinsured Motorist insurance

This coverage protects you and your vehicle from other motorists when they do not carry enough liability coverage. It can pay for injuries to you and your family as well as damage to your 2013 Toyota Camry Hybrid.

Due to the fact that many drivers have only the minimum liability required by law, their liability coverage can quickly be exhausted. That’s why carrying high Uninsured/Underinsured Motorist coverage is a good idea.

Smart shoppers get results

Cheaper 2013 Toyota Camry Hybrid insurance can be found from both online companies in addition to many insurance agents, so get free insurance quotes from both of them in order to have the best chance of saving money. Some car insurance companies may not provide online rate quotes and these small, regional companies only sell coverage through independent insurance agents.

We just presented many tips how you can get a better price on 2013 Toyota Camry Hybrid insurance. The most important thing to understand is the more rate quotes you have, the more likely it is that you will get a better rate. Drivers may discover the lowest auto insurance rates come from a smaller regional carrier. They may only write in your state and offer lower premium rates as compared to the big name companies such as State Farm or Progressive.

Additional information is located on the following sites:

Comments About 2013 Toyota Camry Hybrid Insurance

  1. Julia Juarez

    If you’re a decent driver and live around Evansville, IN, check out Allstate. They seem to be cheaper. Was with Esurance. Thankfully I’m not a high risk driver.

  2. Dalia Stone

    I found pretty cheap rate quotes for a 2013 Toyota Camry Hybrid in Norfolk, VA. Ended up at darn near $410 every six months with AIG Insurance.

  3. Werner Hansen

    Lifelong resident of Sioux Falls, South Dakota. Compared quite a few companies. Saved darn near $50 a month. GEICO was the cheapest option for me.

  4. Dena Dudley

    Here’s my info. I’m in Omaha, NE. I quoted with 21st Century, AIG Insurance, and some I forget for my Toyota and I’m now saving $15 a month.

  5. Wanita Bowman

    Enjoyed the article. Located in Baltimore, Maryland. Not sure of all the companies but I ended up saving about $40 each month. A clean driving record helps. I got prices on the web.

  6. Agueda Myers

    Live in the northern part of Great Falls, MT. Compared quite a few companies. Saved about $70 a month. Progressive was the cheapest option for me. I got prices on the web.

  7. Marissa Herring

    Nice info. Live in the western part of Salem, OR. Quoted prices online for a 2013 Toyota Camry Hybrid. Ended up at about $260 savings annually. Went with GEICO. Left Farmers to switch. I have kids on my policy, too. Not sure about claim service.

  8. Hugh Lawrence

    I live in Manchester, NH, and Progressive rates were best. Was with State Farm.

  9. Emmy Pittman

    What are minimum liability limits required in Arizona?