Cheap 1999 Toyota Camry Solara Insurance Rates

Are you drained from trying to scrape together enough money to keep your car insured? You are in the same boat as the majority of other vehicle owners.

Many insurers compete for your hard-earned dollar, so it’s not easy to compare every provider to find the absolute lowest price

If you currently have car insurance, you will most likely be able to cut costs considerably using these techniques. Finding affordable coverage is not rocket science. But consumers need to have an understanding of how the larger insurance companies compete online.

Discounts for cheap insurance rates

Insurance is easily one of your largest bills, but you might find some hidden discounts that you may not even be aware of. Some of these disounts will be visible at the time of purchase, but less common discounts must be inquired about prior to receiving the credit.

  • Passive Restraints and Air Bags – Factory options such as air bags or automatic seat belts may qualify for discounts of more than 20%.
  • Federal Employees – Active or retired federal employment may qualify for a discount when you quote insurance coverage on Camry Solara insurance but check with your company.
  • Driver’s Ed – Make teen driver coverage more affordable by requiring them to take driver’s ed class in school or through a local driver safety program.
  • Senior Discount – If you qualify as a senior citizen, you may qualify for a slight reduction on a insurance coverage quote on Camry Solara insurance.
  • Discounts for New Vehicles – Insuring a new car is cheaper compared to insuring an older model.
  • Early Payment Discounts – If you can afford to pay the entire bill as opposed to paying monthly you may have a lower total premium amount.
  • Low Mileage Discounts – Driving fewer miles could qualify for substantially lower rates.
  • Theft Prevention Discount – Vehicles that have factory alarm systems and tracking devices can help prevent theft and can earn a small discount on your policy.

While discounts sound great, it’s important to understand that most discounts do not apply to your bottom line cost. Most cut the price of certain insurance coverages like medical payments or collision. So despite the fact that it appears you could get a free insurance policy, it just doesn’t work that way.

A few companies that have most of the discounts above are:

If you need lower rates, check with every prospective company which discounts can lower your rates. Some of the earlier mentioned discounts may not be offered in your area.

What affects Toyota Camry Solara insurance costs?

A large part of saving on car insurance is knowing some of the things that go into determining the rates you pay for car insurance. If you have a feel for what determines base rates, this enables informed choices that will entitle you to lower premium levels. Many things are used in the calculation when quoting car insurance. Some are obvious like a motor vehicle report, although some other factors are more obscure like where you live or how safe your car is.

  • How much liability insurance – The liability coverage on your policy is the coverage that protects you in the event that you are found liable for causing damage or personal injury in an accident. It provides legal defense coverage starting from day one. Liability insurance is pretty cheap compared to comp and collision, so do not cut corners here.
  • Gender impacts rates – Statistics demonstrate women are more cautious behind the wheel. However, don’t assume that women are BETTER drivers than men. Both sexes get in accidents at about the same rate, but men tend to have more serious accidents. Men also statistically have more aggressive citations such as DWI and reckless driving.
  • Occupation impacts premiums – Did you know your career choice can influence rates? Occupations like fire fighters, architects and miners generally have higher premiums than the average policyholder attributed to intense work requirements and extremely grueling work hours. Conversely, jobs like actors, students and homemakers generally pay rates lower than average on Camry Solara insurance.
  • Low coverage deductibles can be expensive – Physical damage protection, also called comprehensive and collision insurance, covers damage that occurs to your Toyota. Examples of covered claims could be running into the backend of another car, hail damage, and damage from a fallen tree branch. Deductibles for physical damage represent how much money you are willing to pay if a claim is determined to be covered. The more damage repair cost you’re willing to pay, the less money you will pay for car insurance on Camry Solara insurance.
  • Lower rates for married couples – Being married may cut your premiums on car insurance. Marriage translates into being more mature and it’s proven that married couples file fewer claims.
  • Bundle and save – Most major companies give lower prices to people who consolidate policies with them, otherwise known as a multi-policy discount. Discounts can add up to ten or even up to twenty percent in some cases. Even if you already get this discount, drivers will still want to check prices from other companies to help ensure you have the lowest rates.
  • Poor credit decisions can cost you – Your credit score factor in calculating your premium rate. Drivers who have high credit scores tend to be better drivers and file fewer claims as compared to drivers with lower ratings. Therefore, if your credit score is not that good, you could pay less to insure your 1999 Toyota Camry Solara if you clean up your credit.
  • Cautious drivers pay the best rates – Careful drivers receive lower rates compared to bad drivers. Getting just one speeding ticket or other violation can increase the cost of insurance twenty percent or more. Drivers who have license-revoking tickets like reckless driving or DUI may find they need to submit a SR-22 form with their state motor vehicle department in order to prevent their license from being revoked.

You may need specialized car insurance coverage

When buying the right insurance coverage, there really is no cookie cutter policy. Every insured’s situation is different so your insurance needs to address that. Here are some questions about coverages that might help in determining if your situation would benefit from professional advice.

  • Is my teenager covered with friends in the car?
  • What is the ISO rating for a 1999 Toyota Camry Solara?
  • How much can I save by bundling my policies?
  • When should I drop full coverage on my 1999 Toyota Camry Solara?
  • Why do I only qualify for high-risk insurance?
  • Does insurance cover damages from a DUI accident?
  • Can my teen driver be rated on a liability-only vehicle?
  • What are the financial responsibility laws in my state?

If you’re not sure about those questions but one or more may apply to you, you may need to chat with an insurance agent. To find lower rates from a local agent, fill out this quick form or go to this page to view a list of companies.

Insurance specifics

Understanding the coverages of insurance can be of help when determining the best coverages and proper limits and deductibles. Insurance terms can be impossible to understand and coverage can change by endorsement. Shown next are typical coverage types found on the average insurance policy.

Coverage for medical payments

Med pay and PIP coverage pay for expenses such as rehabilitation expenses, nursing services, X-ray expenses, hospital visits and EMT expenses. They can be utilized in addition to your health insurance plan or if you do not have health coverage. It covers all vehicle occupants as well as getting struck while a pedestrian. PIP is not available in all states but it provides additional coverages not offered by medical payments coverage

Comprehensive coverages

This pays for damage OTHER than collision with another vehicle or object. A deductible will apply and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive can pay for things such as hitting a deer, falling objects, a broken windshield and rock chips in glass. The most your insurance company will pay is the actual cash value, so if the vehicle’s value is low it’s not worth carrying full coverage.

Liability auto insurance

Liability coverage will cover damage or injury you incur to a person or their property. This insurance protects YOU from claims by other people, and doesn’t cover your own vehicle damage or injuries.

It consists of three limits, per person bodily injury, per accident bodily injury, and a property damage limit. You might see policy limits of 100/300/100 that means you have $100,000 bodily injury coverage, a limit of $300,000 in injury protection per accident, and a limit of $100,000 paid for damaged property. Occasionally you may see a combined single limit or CSL which provides one coverage limit and claims can be made without the split limit restrictions.

Liability coverage protects against claims like structural damage, legal defense fees, bail bonds and funeral expenses. How much liability should you purchase? That is your choice, but consider buying as high a limit as you can afford.

Uninsured and underinsured coverage

This provides protection when other motorists either have no liability insurance or not enough. Covered losses include injuries sustained by your vehicle’s occupants as well as damage to your Toyota Camry Solara.

Since many drivers carry very low liability coverage limits, it doesn’t take a major accident to exceed their coverage limits. For this reason, having high UM/UIM coverages is a good idea. Most of the time the UM/UIM limits are set the same as your liablity limits.

Collision coverage protection

This coverage pays for damage to your Camry Solara resulting from a collision with another car or object. You have to pay a deductible then your collision coverage will kick in.

Collision coverage protects against claims such as sustaining damage from a pot hole, colliding with a tree, hitting a mailbox, crashing into a building and rolling your car. Paying for collision coverage can be pricey, so consider dropping it from vehicles that are 8 years or older. You can also increase the deductible to save money on collision insurance.

Shop Smart and Save

When getting insurance coverage quotes online, it’s not a good idea to buy less coverage just to save a little money. There are a lot of situations where consumers will sacrifice comprehensive coverage or liability limits to discover at claim time that it was a big mistake. Your aim should be to find the BEST coverage at the best possible price while not skimping on critical coverages.

Cheap 1999 Toyota Camry Solara insurance is definitely available online and also from your neighborhood agents, and you need to comparison shop both so you have a total pricing picture. Some insurance companies may not offer internet price quotes and usually these small, regional companies work with independent insurance agencies.

More tips and info about insurance is located by following these links: