View 2000 Toyota Camry Insurance Quotes

Want better auto insurance rates for your Toyota Camry? Pricey auto insurance can sap your savings and put the squeeze on your family’s finances. There is such a variety of car insurance companies to buy insurance from, and although it’s nice to be able to choose, too many choices makes it more difficult to find the best rates.

Buy insurance online

There are a variety of methods to compare insurance quotes, but some are easier and takes less work. You could waste a few hours talking about coverages with agents in your area, or you could use the internet to maximize your effort.

All the larger companies participate in an industry program that allows shoppers to send in one quote, and each participating company then gives them pricing. This eliminates the need for quote requests to every company. To find out how much you can save on insurance click to open in new window.

The only drawback to doing it this way is you are unable to specify the insurers to get pricing from. So if you want to select from a list of companies for rate comparison, we have a listing of low cost insurance companies in your area. Click here for list of insurance companies.

Whichever way you use, double check that you are using nearly identical information for every company. If the quotes have different values for each quote you will not be able to get a fair rate comparison.

These discounts can lower insurance rates

Insurance can cost an arm and a leg, but there could be available discounts that many consumers don’t even know exist. Some trigger automatically at quote time, but some must be specially asked for before you will receive the discount.

  • Senior Citizen Discount – Drivers that qualify as senior citizens can possibly qualify for a small discount on rates on Camry coverage.
  • Discounts for Safe Drivers – Accident-free drivers can save as much as half off their rates on Camry coverage compared to accident prone drivers.
  • ABS Braking Discount – Anti-lock brake equipped vehicles can stop better under adverse conditions so you can save 10 percent or more.
  • Home Ownership Discount – Just owning your own home can save a few bucks because owning a home demonstrates responsibility.
  • Driver Training Discounts – Taking time to complete a defensive driver course is a good idea and can lower rates depending on where you live.
  • Telematics Devices – Policyholders that allow data collection to look at driving habits by installing a telematics device such as Allstate’s Drivewise and State Farm’s In-Drive system could see a rate decrease if they exhibit good driving behavior.
  • Military Rewards – Being on active duty in the military may lower your insurance rates slightly.
  • Low Mileage – Driving fewer miles could qualify for better premium rates on cars that stay parked.

Remember that most credits do not apply to the entire policy premium. Some only apply to specific coverage prices like collision or personal injury protection. So even though it sounds like adding up those discounts means a free policy, that’s just not realistic.

Large insurance companies and some of the discounts are detailed below.

  • Geico discounts include military active duty, defensive driver, air bags, membership and employees, and emergency military deployment.
  • USAA has savings for vehicle storage, family discount, military installation, new vehicle, multi-policy, safe driver, and driver training.
  • Progressive offers discounts for online quote discount, online signing, good student, multi-vehicle, multi-policy, and homeowner.
  • American Family policyholders can earn discounts including TimeAway discount, multi-vehicle, Steer into Savings, mySafetyValet, and air bags.
  • Esurance may offer discounts for DriveSense, Pac-12 alumni, homeowner, multi-policy, and paid-in-full.
  • Farmers Insurance offers discounts including early shopping, electronic funds transfer, multi-car, business and professional, good student, and switch companies.
  • State Farm may include discounts for safe vehicle, Drive Safe & Save, multiple autos, accident-free, and passive restraint.

It’s a good idea to ask each insurance company to apply every possible discount. Some credits might not be offered everywhere. To view providers with the best insurance discounts, follow this link.

When do I need an agent’s advice?

When it comes to buying coverage for your personal vehicles, there is no “perfect” insurance plan. Each situation is unique and a cookie cutter policy won’t apply. For example, these questions might help in determining whether your personal situation will benefit from professional help.

  • What is the difference between comprehensive and collision coverage?
  • What is an SR-22 filing?
  • Am I covered when driving on a suspended license?
  • Am I covered when pulling a rental trailer?
  • Do I need PIP coverage since I have good health insurance?
  • Where can I find high-risk insurance?
  • Can I still get insurance after a DUI?
  • Should I buy full coverage?
  • What can I do if my company denied a claim?

If it’s difficult to answer those questions but a few of them apply, then you may want to think about talking to an agent. If you don’t have a local agent, take a second and complete this form or click here for a list of insurance companies in your area. It only takes a few minutes and can help protect your family.

Insurance policy specifics

Understanding the coverages of your insurance policy can help you determine the best coverages and proper limits and deductibles. The coverage terms in a policy can be confusing and reading a policy is terribly boring. Listed below are the normal coverages found on the average insurance policy.

Comprehensive coverage (or Other than Collision)

This coverage pays for damage that is not covered by collision coverage. You first must pay your deductible and then insurance will cover the rest of the damage.

Comprehensive coverage protects against things like hitting a deer, falling objects, vandalism and hail damage. The maximum payout you’ll receive from a claim is the actual cash value, so if the vehicle’s value is low it’s not worth carrying full coverage.

Liability auto insurance

This coverage will cover damage or injury you incur to people or other property in an accident. It protects you against claims from other people, and does not provide coverage for damage sustained by your vehicle in an accident.

Split limit liability has three limits of coverage: bodily injury per person, bodily injury per accident and property damage. You commonly see values of 25/50/25 that means you have a limit of $25,000 per injured person, a total of $50,000 of bodily injury coverage per accident, and a limit of $25,000 paid for damaged property. Occasionally you may see one limit called combined single limit (CSL) that pays claims from the same limit without having the split limit caps.

Liability insurance covers things such as pain and suffering, bail bonds and legal defense fees. How much liability should you purchase? That is your choice, but it’s cheap coverage so purchase as high a limit as you can afford.

Uninsured Motorist or Underinsured Motorist insurance

This gives you protection when other motorists are uninsured or don’t have enough coverage. It can pay for medical payments for you and your occupants as well as damage to your 2000 Toyota Camry.

Since many drivers only purchase the least amount of liability that is required, it doesn’t take a major accident to exceed their coverage limits. For this reason, having high UM/UIM coverages is important protection for you and your family. Normally these limits do not exceed the liability coverage limits.

Collision coverage

This covers damage to your Camry resulting from colliding with a stationary object or other vehicle. A deductible applies and the rest of the damage will be paid by collision coverage.

Collision insurance covers things like rolling your car, colliding with a tree, driving through your garage door and sustaining damage from a pot hole. Collision is rather expensive coverage, so consider dropping it from vehicles that are 8 years or older. It’s also possible to increase the deductible to bring the cost down.

Insurance for medical payments

Coverage for medical payments and/or PIP reimburse you for short-term medical expenses for things like prosthetic devices, doctor visits and funeral costs. They can be utilized in addition to your health insurance plan or if you do not have health coverage. Coverage applies to you and your occupants and will also cover getting struck while a pedestrian. PIP is not universally available and may carry a deductible

And the best car insurance company is…

In this article, we presented some good ideas how to shop for 2000 Toyota Camry insurance online. The most important thing to understand is the more you quote car insurance, the more likely it is that you will get a better rate. You may even find the best price on insurance is with the smaller companies. These companies may have significantly lower rates on certain market segments than the large multi-state companies such as Allstate or State Farm.

When you buy car insurance online, you should never reduce needed coverages to save money. There are too many instances where an insured dropped liability coverage limits to discover at claim time they didn’t have enough coverage. Your goal is to find the BEST coverage at the best price while not skimping on critical coverages.

More detailed insurance information can be read by following these links: