Cheapest 1996 Toyota Camry Insurance Rates in 2023

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Jeffrey Johnson

Insurance Lawyer

Jeffrey Johnson is a legal writer with a focus on personal injury. He has worked on personal injury and sovereign immunity litigation in addition to experience in family, estate, and criminal law. He earned a J.D. from the University of Baltimore and has worked in legal offices and non-profits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman Univer...

Insurance Lawyer

UPDATED: Jun 1, 2023

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Are you sick and tired of scraping the payments together to buy 1996 Toyota Camry Car Insurance? Your situation is no different from many other drivers. Many car insurance companies compete for your hard-earned dollars, and because of this, it can be hard to compare insurers to get the lowest rate.

If you have a current car insurance policy or are looking for a new policy, you will benefit by learning to find the best rates while maximizing coverage. Finding affordable coverage is quite easy. Consumers just need to understand the proper methods to get comparison rates online.

Be sure to get all your discounts

Car insurance companies don’t always publicize all their discounts very well, so the following is a list of both well-publicized and the least known discounts you could be receiving. If you don’t get every credit you qualify for, you’re just leaving money on the table.

  • Auto/Life Discount – Select insurance companies reward you with a discount if you purchase life insurance.
  • Bundle and Save – When you have multiple policies with one insurance company, you will save at least 10% off all policies.
  • Sign Online – A few companies give back up to $50 just for signing your application digitally online.
  • Multiple Vehicles – Buying coverage for multiple vehicles with the same company qualifies for this discount.
  • Drive Safe and Save – Drivers who avoid accidents can get discounts of up to 45% lower rates for Camry insurance than their less cautious counterparts.

It’s important to understand that most discount credits are not given to the entire cost. A few only apply to the price of certain insurance coverage like liability and collision coverage. Just because you may think all those discounts means the company will pay you, you won’t be that lucky.

Car insurance companies that possibly offer these benefits include:

  • MetLife
  • State Farm
  • Progressive
  • Mercury Insurance
  • 21st Century
  • Allstate

Before buying, ask all companies you are considering which discounts you may be entitled to. Some discounts may not apply in your state.

How do I know if I need professional advice?

When it comes to the price of 1996 Toyota Camry car Insurance coverage, there are no cookie cutter options. Every insured’s situation is different, and a cookie cutter policy won’t apply. These are some specific questions that can aid in determining whether you would benefit from professional advice.

  • Is my custom paint covered by insurance?
  • Am I covered when pulling a rental trailer?
  • Should I have a commercial auto policy?
  • Is my business laptop covered if it gets stolen from my vehicle?
  • How can I force my company to pay a claim?
  • Where can I get insurance after a DUI in my state?
  • When can I cancel my policy?
  • Does having multiple vehicles earn me a discount?
  • When should I drop full coverage on my 1996 Toyota Camry?

If you don’t know the answers to these questions but you know they apply to you, then you may want to think about talking to a licensed agent. To find lower rates from a local agent, fill out this quick form to select a carrier. It only takes a few minutes and can help protect your family.

The auto insurance bait and switch

Drivers can’t get away from ads that promise big savings from companies such as GEICO, State Farm and Progressive. They all seem to say the same thing about savings after switching your policy.

But how can every company say the same thing?

All companies have a certain “appetite” for the right customer that earns them a profit. For example, a preferred risk could possibly be a mature driver, has no tickets, and has great credit. A driver who matches those parameters will get very good rates and most likely will save quite a bit of money when switching.

Consumers who are not a match for this ideal profile must pay higher rates and end up with the driver buying from a lower-cost company. The ads state “people who switch”, not “everyone that quotes” save that much money. That is how insurance companies can claim big savings. This illustrates why you need to get as many comparisons as possible. Because you never know which auto insurance company will fit your personal profile best.

The coverage is in the details

Knowing the specifics of your policy can be of help when determining appropriate coverage and the correct deductibles and limits. The coverage terms in a policy can be impossible to understand and coverage can be changed by endorsement. Below you’ll find typical coverages offered by insurance companies.

Uninsured/Underinsured Motorist coverage

Uninsured or Underinsured Motorist coverage provides protection from other motorists when they either are underinsured or have no liability coverage at all. This coverage pays for injuries sustained by your vehicle’s occupants as well as your vehicle’s damage.

Since a lot of drivers carry very low liability coverage limits, their limits can quickly be used up. For this reason, having high UM/UIM coverage should not be overlooked.

Medical payments coverage and PIP

Med pay and PIP coverage pay for bills like rehabilitation expenses, ambulance fees, funeral costs and dental work. They are often used to fill the gap in your health insurance policy or if you do not have health coverage. They cover you and your occupants and will also cover you if you are hit  while walking down the street. Personal Injury Protection is only offered in select states and gives slightly broader coverage than med pay

Liability coverage

Liability insurance can cover injuries or damage you cause to other’s property or people. This coverage protects you against other people’s claims, and does not provide coverage for your injuries or vehicle damage.

Liability coverage has three limits: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. As an example, you may have limits of 100/300/100 that translate to a $100,000 limit per person for injuries, a per accident bodily injury limit of $300,000, and property damage coverage for $100,000.

Liability can pay for claims such as pain and suffering, funeral expenses, structural damage, bail bonds and repair costs for stationary objects. How much liability should you purchase? That is your choice, but it’s cheap coverage so purchase higher limits if possible.

Comprehensive coverage

This coverage pays to fix your vehicle from damage from a wide range of events other than collision. You need to pay your deductible first, then your comprehensive coverage will pay.

Comprehensive coverage protects against things like theft, rock chips in glass and fire damage. The highest amount a insurance company will pay at claim time is the ACV or actual cash value, so if it’s not worth much more than your deductible consider removing comprehensive coverage.

Coverage for collisions

This coverage pays to fix your vehicle from damage resulting from colliding with a stationary object or other vehicle. You will need to pay your deductible and then insurance will cover the remainder.

Collision coverage protects against claims like sustaining damage from a pothole, crashing into a building, driving through your garage door and damaging your car on a curb. Paying for collision coverage can be pricey, so analyze the benefit of dropping coverage from lower value vehicles. Drivers also have the option to bump up the deductible in order to get cheaper collision rates.

The Bottom Line

Low-cost 1996 Toyota Camry insurance can be found from both online companies and also from your neighborhood agents, and you need to comparison shop both to have the best selection. Some insurance companies may not provide the ability to get a quote online and usually these small insurance companies provide coverage only through local independent agents.

You just learned some good ideas on how to lower your insurance rates. The key concept to understand is the more companies you get rates for, the better chance you’ll have of finding lower rates. You may even discover the lowest priced auto insurance comes from a smaller regional carrier. These smaller insurers may only write in your state and offer lower rates compared to the large companies like Allstate and Progressive.

Frequently Asked Questions

How can I find the cheapest auto insurance rates for a 1996 Toyota Camry in 2023?

To find the cheapest auto insurance rates for a 1996 Toyota Camry in 2023, you can enter your zip code on our website to use the free quote tool. It will provide you with a list of companies that offer cheap auto insurance rates in your area.

What discounts are available for auto insurance?

Car insurance companies offer various discounts to help you save money. Some well-known and lesser-known discounts you may qualify for include safe driver discounts, multi-policy discounts, good student discounts, military discounts, and more. To find out which discounts you may be eligible for, you can ask the insurance companies you are considering.

Do I need professional advice when it comes to car insurance?

The need for professional advice depends on your specific situation. If you have questions about coverage options, deductibles, limits, or other aspects of car insurance, it may be beneficial to consult a licensed insurance agent. They can provide personalized guidance based on your needs and help you find the right coverage at the best rates.

How do insurance companies claim big savings when switching policies?

Insurance companies often advertise big savings when you switch to their policies. However, these savings are typically based on specific customer profiles that match their preferred risk criteria. Not everyone will qualify for the same savings. To ensure you find the best rates for your specific profile, it’s important to obtain quotes from multiple insurance companies and compare them.

What are the different types of coverage offered by insurance companies?

Insurance companies offer various types of coverage for auto insurance. Some common coverage options include liability coverage, uninsured/underinsured motorist coverage, medical payments coverage, comprehensive coverage, and collision coverage. Each coverage type serves a different purpose and provides protection against specific risks.

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