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Toyota Camry Insurance Rates

Buying auto insurance from online companies saves time, is easy to do and there is a good chance you may find lower rates. The key to finding lower rates is to compare rates from as many companies as possible in order to have all your choices.

Shopping online for auto insurance can be a challenge if you are a beginner to online rate quotes. Don't let that stop you because we're going to show you how. Getting cheaper insurance rates is actually quite simple. The only requirement is to invest a few minutes to compare quotes online from several insurance companies. This can be accomplished by comparing rates here.

Insurance premiums for your Toyota Camry will vary greatly and are calculated by many factors. Some of these factors include:

  • Tickets increase premiums
  • Your credit history
  • Where you live
  • High miles vs. low miles
  • Male drivers pay higher rates
  • Deductible amount directly impacts your rate
  • Safety rating of your Camry
  • Whether or not you have claims
  • Having current coverage saves
  • Whether you own your home

One important consideration that helps determine your rates is the age of the vehicle. Newer models cost more compared to older Toyota models so the costs to repair will push premiums up. On the flip side, new Toyota models have more advanced features like an advanced theft deterrent system, all-wheel drive, and traction control so those may lower rates.

For you to have a better understanding of how rates are influenced for your specific model year, select the year of your vehicle below.

Liability coverage

This provides protection from damage that occurs to other's property or people in an accident. Liability insurance covers things like legal defense fees, bail bonds, and repair bills for other people's vehicles. It is cheap coverage so buy as much as you can afford.

Auto collision coverage

Collision insurance pays to fix your vehicle from damage resulting from colliding with another car or object. You have to pay a deductible then the remaining damage will be paid by your insurance company. Collision coverage makes up a good portion of your premium, so analyze the benefit of dropping coverage from lower value vehicles. You can also increase the deductible to get cheaper Camry insurance rates.

Comprehensive coverage

Comprehensive insurance coverage pays for damage OTHER than collision with another vehicle or object. You first must pay your deductible then your comprehensive coverage will pay. The maximum amount you'll receive from a claim is the cash value of the vehicle, so if it's not worth much more than your deductible consider removing comprehensive coverage.

UM/UIM (Uninsured/Underinsured Motorist) coverage

Your UM/UIM coverage protects you and your vehicle's occupants when other motorists either have no liability insurance or not enough. Since many drivers only carry the minimum required liability limits, it only takes a small accident to exceed their coverage. That's why carrying high Uninsured/Underinsured Motorist coverage is very important.

Medical payments coverage and PIP

Medical payments and Personal Injury Protection insurance kick in for short-term medical expenses like nursing services, prosthetic devices, and dental work. They are often utilized in addition to your health insurance plan or if you lack health insurance entirely. PIP coverage is not universally available and gives slightly broader coverage than med pay.

How Much are Toyota Camry Insurance Rates?