1993 Toyota Camry Insurance Quotes – 8 Ideas for Cheapest Rates

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Jeffrey Johnson graduated summa cum laude from the University of Baltimore School of Law and has worked in legal offices and nonprofits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman University and worked in film, education, and publishing. His professional writing has appeared on sites like The Manifest and Vice, and he is the author of a novel ...

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Written by Jeffrey Johnson
Insurance Lawyer Jeffrey Johnson

UPDATED: May 12, 2022

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Trying to find the cheapest auto insurance rates for your Toyota Camry? Tired of not being able to afford to insure your Toyota every month? You are in the same boat as many other drivers.

Drivers have so many auto insurance companies to purchase coverage from, and though it is a good thing to have a selection, so many choices can make it hard to compare rates and cut insurance costs.

Best discounts on 1993 Toyota Camry coverage

Insurance can cost an arm and a leg, buy you may qualify for discounts to cut the cost considerably. Some discounts apply automatically when you purchase, but less common discounts must be requested specifically in order for you to get them.

  • Anti-lock Brake Discount – Cars that have steering control and anti-lock brakes prevent accidents and earn discounts up to 10%.
  • Federal Employees – Active or retired federal employment may qualify you for a discount on Camry insurance with a few insurance coverage companies.
  • Service Members Pay Less – Having a deployed family member can result in better rates.
  • Auto/Life Discount – Larger companies have lower rates if you buy life insurance.
  • Accident Forgiveness – A handful of insurance companies permit an accident before hitting you with a surcharge if your claims history is clear for a set time period.
  • Club Memberships – Belonging to a qualifying organization is a good way to get lower rates on your policy on Camry insurance.
  • Driver Safety – Completing a course teaching defensive driving skills could save 5% or more if you qualify.
  • Theft Prevention Discount – Anti-theft and alarm systems prevent vehicle theft and will save you 10% or more.

Consumers should know that some of the credits will not apply to your bottom line cost. The majority will only reduce specific coverage prices like liability, collision or medical payments. So despite the fact that it appears you would end up receiving a 100% discount, companies don’t profit that way. But any discount will cut your premiums.

For a list of companies offering insurance coverage discounts, follow this link.

Tailor your coverage to you

When it comes to choosing proper insurance coverage, there isn’t really a best way to insure your cars. Every situation is different so your insurance needs to address that. Here are some questions about coverages that may help you determine whether you may require specific advice.

  • Is business property covered if stolen from my car?
  • Am I covered when driving in Canada or Mexico?
  • Should I waive the damage coverage when renting a car?
  • Does my policy cover my teen driver if they drive my company car?
  • Am I covered when delivering products for my home-based business?
  • Is my nanny covered when driving my vehicle?
  • Do I have coverage for damage caused while driving under the influence?

If it’s difficult to answer those questions but one or more may apply to you, you might consider talking to an insurance agent. If you don’t have a local agent, simply complete this short form or go to this page to view a list of companies.

Is there truth in advertising?

Companies like State Farm and Allstate constantly bombard you with ads on television and other media. All the ads make the same claim that you can save if you switch your policy. How does each company make the same claim? This is how they do it.

Insurance companies are able to cherry pick for the right customer they prefer to insure. For example, a driver they prefer might be over the age of 50, has no prior claims, and drives newer vehicles. Any new insured who matches those parameters will get the preferred rates and is almost guaranteed to pay quite a bit less when switching companies.

Potential insureds who don’t meet these standards will be charged more money and ends up with business not being written. Company advertisements say “customers who switch” not “people who quote” save that kind of money. That’s why insurance companies can confidently make the claims of big savings.

That is why it’s extremely important to quote coverage with many companies. It’s just too difficult to predict the company that will have the lowest Toyota Camry insurance rates.

The coverage is in the details

Knowing the specifics of insurance aids in choosing the best coverages and the correct deductibles and limits. The coverage terms in a policy can be impossible to understand and nobody wants to actually read their policy. Below you’ll find typical coverages found on the average insurance policy.

Liability auto insurance

This coverage can cover damages or injuries you inflict on a person or their property by causing an accident. Split limit liability has three limits of coverage: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. As an example, you may have values of 25/50/25 that translate to a $25,000 limit per person for injuries, a per accident bodily injury limit of $50,000, and $25,000 of coverage for damaged property. Some companies may use a combined limit which limits claims to one amount without having the split limit caps.

Liability coverage pays for things such as repair bills for other people’s vehicles, legal defense fees, bail bonds and structural damage. How much liability coverage do you need? That is your choice, but it’s cheap coverage so purchase higher limits if possible.

Collision insurance

Collision insurance pays to fix your vehicle from damage caused by collision with a stationary object or other vehicle. You first must pay a deductible then the remaining damage will be paid by your insurance company.

Collision can pay for things like hitting a parking meter, backing into a parked car, crashing into a building and colliding with a tree. Collision is rather expensive coverage, so consider removing coverage from vehicles that are older. It’s also possible to choose a higher deductible to save money on collision insurance.

Coverage for medical expenses

Personal Injury Protection (PIP) and medical payments coverage provide coverage for bills like nursing services, doctor visits and X-ray expenses. They are utilized in addition to your health insurance policy or if you are not covered by health insurance. They cover all vehicle occupants and will also cover being hit by a car walking across the street. PIP is only offered in select states but it provides additional coverages not offered by medical payments coverage

Coverage for uninsured or underinsured drivers

Uninsured or Underinsured Motorist coverage gives you protection from other motorists when they either have no liability insurance or not enough. Covered claims include hospital bills for your injuries and also any damage incurred to your Toyota Camry.

Because many people only purchase the least amount of liability that is required, it only takes a small accident to exceed their coverage. This is the reason having UM/UIM coverage is very important. Usually these coverages do not exceed the liability coverage limits.

Comprehensive insurance

Comprehensive insurance coverage pays to fix your vehicle from damage OTHER than collision with another vehicle or object. A deductible will apply then the remaining damage will be covered by your comprehensive coverage.

Comprehensive can pay for things such as hitting a bird, fire damage and damage from a tornado or hurricane. The most a insurance company will pay at claim time is the ACV or actual cash value, so if your deductible is as high as the vehicle’s value it’s probably time to drop comprehensive insurance.

A little work can save a LOT of money

You just read a lot of tips how to lower your 1993 Toyota Camry insurance rates. The most important thing to understand is the more providers you compare, the better your comparison will be. Drivers may discover the lowest rates come from a lesser-known regional company. These smaller insurers can often insure niche markets at a lower cost than the large multi-state companies such as State Farm or Progressive.

When buying insurance coverage, it’s a bad idea to sacrifice coverage to reduce premiums. There are many occasions where an insured dropped comprehensive coverage or liability limits only to regret at claim time that a couple dollars of savings turned into a financial nightmare. Your focus should be to get the best coverage possible at the best price while not skimping on critical coverages.

Lower-priced insurance is definitely available on the web as well as from independent agents, and you need to comparison shop both to have the best chance of lowering rates. There are still a few companies who don’t offer you the ability to get quotes online and these regional insurance providers work with independent agents.

To read more, feel free to browse the resources below:

Free Auto Insurance Comparison

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