View 1996 Toyota Camry Car Insurance Quotes

Searching for better auto insurance rates? Consumers have many options when looking for the best price on Toyota Camry insurance. You can either spend your time struggling with agents to get rate comparisons or utilize the internet to compare rates. There is a better way to find auto insurance online so you’re going to learn the best way to get price quotes on a Toyota and obtain the lowest possible price from local insurance agents and online providers.

If you have insurance now or are just looking to switch companies, you can use these techniques to cut your premiums and still get good coverage. This information will help you learn how to effectively get price quotes. Vehicle owners just need to learn how to compare rates online.

Auto insurance policy discounts

Auto insurance is not an enjoyable expense, but you can get discounts that can drop the cost substantially. Some trigger automatically when you complete an application, but some need to be requested specifically in order for you to get them.

  • Passive Restraints and Air Bags – Vehicles equipped with air bags or motorized seat belts may get savings as much as 30%.
  • Discounts for Government Workers – Active or former government employment can earn a discount up to 10% on Camry insurance with select insurance companies.
  • More Vehicles More Savings – Purchasing coverage when you have multiple vehicles with the same company could earn a price break for each car.
  • Student Discounts – Excelling in school can be rewarded with saving of up to 25%. You can use this discount normally up until you turn 25.
  • Anti-lock Brake System – Vehicles equipped with ABS or steering control are much safer to drive and will save you 10% or more.
  • Safety Course Discount – Successfully completing a class that teaches driver safety techniques could earn you a small percentage discount and also improve your driving technique.
  • Drivers Ed for Students – It’s a good idea to have your young drivers take driver’s ed class in high school.
  • Military Discounts – Being on active deployment in the military may lower your premium rates slightly.

A quick disclaimer, some credits don’t apply to the entire policy premium. Most cut the cost of specific coverages such as medical payments or collision. So even though it sounds like you could get a free auto insurance policy, it’s just not the way it works.

For a list of insurance companies that offer discounts, follow this link.

How do I know if I need professional advice?

When it comes to choosing the best car insurance coverage for your vehicles, there isn’t really a cookie cutter policy. Everyone’s needs are different.

These are some specific questions may help highlight whether or not you would benefit from professional advice.

  • Should I file a claim if it’s only slightly more than my deductible?
  • Do I really need UM/UIM coverage?
  • Do I need special endorsements for business use of my vehicle?
  • Am I getting all the discounts available?
  • How many claims can I have before being cancelled?
  • Does my 1996 Toyota Camry qualify for pleasure use?
  • Do I need rental car coverage?
  • Do I need higher collision deductibles?
  • Does my 1996 Toyota Camry need full coverage?

If it’s difficult to answer those questions, you may need to chat with an agent. If you don’t have a local agent, complete this form. It is quick, free and can provide invaluable advice.

Well known brands might not be cheapest

Drivers constantly see and hear ads for car insurance savings by companies like 21st Century, Allstate and State Farm. They all advertise the message that you’ll save big if you switch your coverage to them.

How is it possible that every company can cost less than your current company? It’s all in how they say it.

Many companies have specific criteria for the type of driver that will most likely be profitable. For instance, a driver they prefer may need to be between the ages of 30 and 50, carries high limits, and has a high credit rating. A driver who fits those characteristics will get low prices as well as save money with a new company.

People who cannot meet those standards will probably be forced to pay a higher premium with the end result being the prospect going elsewhere. The wording the ads use say “customers who switch” but not “everyone who gets a quote” can get the lowest rates when switching. That is how companies can advertise the savings. Different companies use different criteria so it’s extremely important to get auto insurance quotes as often as possible. Because you never know with any certainty which company will have the lowest rate quotes.

Coverages available on your policy

Having a good grasp of your auto insurance policy can be of help when determining which coverages you need at the best deductibles and correct limits. The terms used in a policy can be confusing and coverage can change by endorsement.

Coverage for medical expenses

Personal Injury Protection (PIP) and medical payments coverage pay for expenses like EMT expenses, surgery and nursing services. The coverages can be used to fill the gap from your health insurance program or if there is no health insurance coverage. It covers both the driver and occupants and will also cover being hit by a car walking across the street. PIP is not an option in every state but can be used in place of medical payments coverage

Collision coverage protection

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

Collision insurance covers claims such as scraping a guard rail, backing into a parked car, sustaining damage from a pot hole, colliding with another moving vehicle and hitting a parking meter. Collision coverage makes up a good portion of your premium, so consider dropping it from vehicles that are 8 years or older. Another option is to increase the deductible in order to get cheaper collision rates.

Liability coverage

Liability insurance will cover injuries or damage you cause to people or other property in an accident. This insurance protects YOU against claims from other people. Liability doesn’t cover your injuries or vehicle damage.

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. You commonly see liability limits of 25/50/25 that translate to $25,000 in coverage for each person’s injuries, a limit of $50,000 in injury protection per accident, and property damage coverage for $25,000.

Liability coverage pays for things like legal defense fees, funeral expenses and loss of income. The amount of liability coverage you purchase is a decision to put some thought into, but buy as much as you can afford.

Comprehensive auto insurance

This pays to fix your vehicle from damage that is not covered by collision coverage. You first must pay your deductible then your comprehensive coverage will pay.

Comprehensive insurance covers claims like rock chips in glass, hail damage, hitting a deer, damage from getting keyed and damage from flooding. The most your auto insurance company will pay is the market value of your vehicle, so if the vehicle is not worth much it’s not worth carrying full coverage.

Coverage for uninsured or underinsured drivers

This coverage protects you and your vehicle’s occupants from other motorists when they are uninsured or don’t have enough coverage. Covered claims include hospital bills for your injuries as well as damage to your Toyota Camry.

Since a lot of drivers only carry the minimum required liability limits, their liability coverage can quickly be exhausted. For this reason, having high UM/UIM coverages is a good idea.

You can do this!

We just showed you a lot of tips how to lower your 1996 Toyota Camry insurance premium rates. It’s most important to understand that the more providers you compare, the higher your chance of finding cheaper auto insurance. Consumers may even find the most savings is with some of the lesser-known companies.

Cheaper 1996 Toyota Camry insurance is available both online and with local insurance agents, so you need to shop auto insurance with both in order to have the best chance of saving money. Some insurance providers do not provide online price quotes and these smaller companies prefer to sell through local independent agents.

When searching for inexpensive auto insurance quotes, it’s a bad idea to skimp on critical coverages to save a buck or two. In many cases, consumers will sacrifice physical damage coverage only to find out that saving that couple of dollars actually costed them tens of thousands. The ultimate goal is to buy enough coverage at a price you can afford while not skimping on critical coverages.

To read more, feel free to browse the following helpful articles: