Lower Your 1999 Toyota Camry Car Insurance Quotes

Looking for the cheapest car insurance rates for your Toyota Camry? Finding the cheapest insurance for a new or used Toyota Camry could be difficult, but you can follow the following methods to make it easier.

There is a right way and a wrong way to compare car insurance rates and we’ll show you the best way to price shop coverage on a Toyota and locate the best price possible.

Insurance coverage quotes comparison

Getting cheaper 1999 Toyota Camry insurance coverage pricing is surprisingly easy. You just have to invest a few minutes to compare rate quotes online with multiple companies. Rate comparisons can be done using one of these methods.

  1. The easiest and least time consuming way to get quotes for comparison is an all-inclusive rate comparison like this one (opens in new window). This form saves time by eliminating separate quotation requests for each company you want a rate for. Completing one form gets coverage cost estimates from multiple companies. Just one form and you’re done.
  2. A different way to find more affordable insurance requires a visit to each company’s website and get a separate price quote. For instance, we’ll assume you want to get rates from Progressive, Geico and Allstate. In order to compare rates, you need to navigate to each company’s site and enter your policy data, which is why the first method is quicker. To view a list of companies in your area, click here.

It doesn’t matter which method you choose, just do your best to enter the exact same deductibles and coverage limits on every price quote you get. If you have different values for each quote it’s impossible to determine which rate is truly the best.

Tricks in insurance coverage advertising

Drivers get pounded daily by advertisements that promise big savings for switching from companies such as State Farm, Geico and Progressive. They all say the same thing that drivers can save some big amount if you just switch your coverage to them.

How do they all charge you less for car insurance? This is the way they can do it.

All the different companies require specific criteria for the type of driver that is profitable for them. For instance, a desirable risk might be described as over the age of 35, carries high limits, and the vehicle is rated for pleasure use. A customer who meets those qualifications will get low rates and will most likely cut their rates substantially.

Drivers who do not meet the ideal profile will probably have to pay higher rates and ends up with the prospect going elsewhere. The ad wording is “customers that switch” not “all people who quote” can save as much as they claim. This is how companies can make those claims.

This illustrates why it is so important to quote coverage with many companies. You cannot predict the company that will have the lowest rates.

Informed consumers can reduce their insurance costs

Consumers need to have an understanding of the rating factors that aid in calculating auto insurance rates. When consumers understand what positively or negatively impacts your premiums, this empowers consumers to make smart changes that may reward you with cheaper rates. Many things are part of the calculation when pricing auto insurance. A few of the factors are predictable like your driving record, but other criteria are more transparent like your vehicle usage or how financially stable you are.

The list below includes some of the items used by insurance companies to determine your prices.

  • Five star NHTSA crash test rating saves money – Vehicles with high crash test scores are cheaper to insure. Vehicles engineered for safety reduce the chance of injuries and reduced instances of injuries translates into savings for insurance companies and more competitive rates for policyholders. If the Toyota Camry is rated at least an “acceptable” rating on the Insurance Institute for Highway Safety website you may pay a lower rate.
  • Eliminate unneeded extra coverages – There are a ton of additional coverages that you can get tricked into buying if you don’t pay attention. Things like replacement cost coverage, better glass coverage, and motor club memberships are examples of these. They may seem good when talking to your agent, but your money might be better spent on other coverage so remove them and pocket the money.
  • Which gender costs less? – Over the last 30 years, statistics show that men are more aggressive behind the wheel. That doesn’t necessarily mean that males are worse at driving than females. Both sexes get in fender benders at about the same rate, but the male of the species tend to have higher claims. Men also get higher numbers of serious violations such as driving while intoxicated (DWI) or driving recklessly.
  • Pay lower premiums after the wedding – Your spouse can actually save you money on auto insurance. It means you’re more responsible and statistics prove married drivers tend to have fewer serious accidents.
  • Discounts for auto and home policies – Some auto insurance companies afford a discount to clients that buy multiple policies. It’s known as a multi-policy discount. The amount of the discounts can be as much as ten percent or more If you currently are using one company, it’s in your best interest to check prices from other companies to ensure the best deal. It’s possible to still save money even if you have your coverage with different companies
  • Traffic violations inflate rates – How you drive can have a huge impact on auto insurance premiums. Having just one moving violation can increase rates by as much as thirty percent. Careful drivers have lower premiums than their less careful counterparts. Drivers who get license-revoking violations such as reckless driving or DUI may find that they have to to prove financial responsibility with their state’s department of motor vehicles in order to legally drive.
  • Poor credit can mean higher rates – Having a bad credit rating will be a significant factor in determining your rates. So if your credit can use some improvement, you could pay less to insure your 1999 Toyota Camry by improving your credit score. Drivers who have high credit ratings tend to be better drivers and file fewer claims as compared to drivers with lower credit ratings.

You may qualify for discounts

The cost of insuring your cars can be expensive, but there may be some discounts to reduce the price significantly. A few discounts will automatically apply at the time you complete a quote, but some discounts are required to be specially asked for before you get the savings.

  • Defensive Driver – Participating in a course teaching safe driver skills could possibly earn you a 5% discount and easily recoup the cost of the course.
  • Multiple Vehicles – Insuring multiple vehicles on one policy can reduce the rates for all insured vehicles.
  • Sign Online – A few larger online companies will give you a small discount for buying your policy on their website.
  • Student in College – College-age children who are attending college without a vehicle on campus may qualify for this discount.
  • Safety Restraint Discount – Drivers who require all vehicle occupants to use their safety belts can save up to 10 percent (depending on the company) off the medical payments premium.
  • Life Insurance Discount – Not all companies offer life insurance, but some may give you a lower insurance rate if you buy a life insurance policy as well.
  • Buy New and Save – Buying coverage on a new vehicle may earn a small discount since newer models have better safety ratings.
  • Low Mileage Discounts – Keeping the miles down on your Toyota could be rewarded with better insurancerates on cars that stay parked.

While discounts sound great, it’s important to understand that some of the credits will not apply the the whole policy. The majority will only reduce the price of certain insurance coverages like liability, collision or medical payments. If you do the math and it seems like you could get a free insurance policy, nobody gets a free ride.

Insurance companies that may offer quotes with these money-saving discounts include:

When comparing rates, check with each company or agent which discounts you qualify for. All car insurance discounts may not be available everywhere.

There’s no such thing as the perfect insurance coverage policy

When it comes to buying the right insurance coverage for your vehicles, there really is not a best way to insure your cars. Every situation is different.

These are some specific questions could help you determine whether you would benefit from an agent’s advice.

  • What is the ISO rating for a 1999 Toyota Camry?
  • If I drive on a suspended license am I covered?
  • How much underlying liability do I need for an umbrella policy?
  • Does my car insurance cover rental cars?
  • Does my policy cover my teen driver if they drive my company car?
  • Are there companies who specialize in insuring high-risk drivers?

If you don’t know the answers to these questions but one or more may apply to you, then you may want to think about talking to an insurance agent. To find lower rates from a local agent, simply complete this short form. It is quick, free and can provide invaluable advice.

Auto insurance coverage information

Learning about specific coverages of your insurance policy helps when choosing appropriate coverage at the best deductibles and correct limits. Policy terminology can be confusing and coverage can change by endorsement.

Coverage for medical expenses

Personal Injury Protection (PIP) and medical payments coverage provide coverage for immediate expenses for things like hospital visits, EMT expenses and rehabilitation expenses. The coverages can be used to fill the gap from your health insurance program or if there is no health insurance coverage. They cover both the driver and occupants and also covers 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

Comprehensive insurance

This pays for damage caused by mother nature, theft, vandalism and other events. You first must pay your deductible and then insurance will cover the rest of the damage.

Comprehensive coverage protects against things like fire damage, a tree branch falling on your vehicle, hitting a deer, hitting a bird and damage from flooding. The highest amount a insurance company will pay at claim time is the cash value of the vehicle, so if your deductible is as high as the vehicle’s value it’s probably time to drop comprehensive insurance.

Coverage for uninsured or underinsured drivers

Uninsured or Underinsured Motorist coverage protects you and your vehicle’s occupants when other motorists do not carry enough liability 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, it only takes a small accident to exceed their coverage. That’s why carrying high Uninsured/Underinsured Motorist coverage is important protection for you and your family. Most of the time the UM/UIM limits are similar to your liability insurance amounts.

Collision coverage

This coverage pays for damage to your Camry resulting from a collision with another car or object. A deductible applies then the remaining damage will be paid by your insurance company.

Collision insurance covers things such as hitting a mailbox, damaging your car on a curb, crashing into a building and sustaining damage from a pot hole. Collision coverage makes up a good portion of your premium, so consider removing coverage from older vehicles. You can also choose a higher deductible to bring the cost down.

Liability coverages

Liability coverage will cover damages or injuries you inflict on other people or property. It protects you against claims from other people. It does not cover damage to your own property or vehicle.

It consists of three limits, per person bodily injury, per accident bodily injury, and a property damage limit. You might see limits of 50/100/50 which stand for $50,000 in coverage for each person’s injuries, a total of $100,000 of bodily injury coverage per accident, and $50,000 of coverage for damaged propery. Alternatively, you may have one number which is a combined single limit which provides one coverage limit and claims can be made without the split limit restrictions.

Liability coverage protects against things such as bail bonds, funeral expenses, court costs and loss of income. How much liability coverage do you need? That is a personal decision, but you should buy as much as you can afford.

More comparisons equals lower rates

When searching for cheaper insurance quotes, it’s not a good idea to buy less coverage just to save a little money. In too many instances, someone sacrificed physical damage coverage only to regret at claim time that saving that couple of dollars actually costed them tens of thousands. Your goal is to purchase plenty of coverage at an affordable rate but still have enough coverage for asset protection.

We just showed you many ways to shop for 1999 Toyota Camry insurance online. The key concept to understand is the more companies you get prices for, the higher the chance of saving money. You may be surprised to find that the best price on insurance is with some of the smallest insurance companies.

Cheap 1999 Toyota Camry insurance is available online and with local insurance agents, so you need to quote insurance with both to get a complete price analysis. Some insurance companies may not provide price quotes online and many times these regional carriers sell through independent agents.

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