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Toyota Camry Insurance Rates

You have lots of choices when insurance shopping for your Toyota vehicle. You can get prices from an insurance agent or shop online to check prices from multiple insurance companies. Shopping for auto insurance on the web is easy and at the same time you may find lower rates.

Consumers not familiar with comparison shopping may think buying affordable Camry insurance is not very easy. Cutting your Camry insurance cost isn't really that difficult. Drivers just need to take a couple of minutes to compare quotes from different insurance companies. This is very easy and can be done by completing this short form.

What factors impact the rate you pay?

Insurance premiums paid to insure a Toyota Camry will vary greatly based upon several criteria. Taken into consideration are:

  • The performance level of your Camry
  • Your accident history
  • Whether you insure your home with the same company
  • How you use your vehicle
  • Your birth date
  • Having a spouse can save money
  • Special coverage such as replacement cost
  • Whether or not you have claims
  • Having continuous coverage saves you money
  • Whether you rent or own your home

One important consideration that will help determine your rates is the age of the vehicle. New vehicles have a higher replacement value compared to older Toyota models so repair costs are higher which will push premiums up. Although newer vehicles have more advanced features included like pedestrian detection, active head restraints, and a backup camera so those may give discounted rates.

To get a better understanding how much rates will be for your vehicle, select the year of your Camry from available model years below.

Liability car insurance - Liability insurance can cover damages or injuries you inflict on a person or their property by causing an accident. Liability insurance covers things such as emergency aid, pain and suffering, and medical services. Liability insurance is relatively cheap so buy as much as you can afford.

Collision - Collision coverage covers damage to your Toyota from colliding with an object or car. You have to pay a deductible and then insurance will cover the remainder. This coverage can be expensive, so consider dropping it from lower value vehicles. It's also possible to increase the deductible in order to get cheaper Camry insurance rates.

Comprehensive auto insurance - This pays to fix your vehicle from damage that is not covered by collision coverage. You first have to pay a deductible then your comprehensive coverage will pay. The maximum amount you can receive from a comprehensive claim is the actual cash value, so if the vehicle's value is low it's probably time to drop comprehensive insurance.

UM/UIM Coverage - This protects you and your vehicle from other motorists when they either are underinsured or have no liability coverage at all. 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. This is the reason having UM/UIM coverage is important protection for you and your family.

Coverage for medical expenses - Coverage for medical payments and/or PIP provide coverage for expenses like doctor visits, EMT expenses, and X-ray expenses. They are used to cover expenses not covered by your health insurance plan or if you are not covered by health insurance. PIP is not an option in every state but it provides additional coverages not offered by medical payments coverage.

How Much are Toyota Camry Insurance Rates?