1999 Toyota Camry Car Insurance Rates – 5 Tips to Save

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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: Jun 12, 2015

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Want cheaper insurance rates for your Toyota Camry? Trying to find cheaper insurance for a new or used Toyota Camry can turn out to be an all-consuming task, but you can follow our insurance buying tips to make it easier. There is a right way and a wrong way to shop for insurance and you need to know the proper way to quote coverages for your Toyota and locate the lowest price.

It’s a good habit to get comparison quotes quite often because prices change frequently. Even if you think you had the lowest rates for Camry insurance a few years ago you can probably find a lower rate today. Starting right now, forget anything you know (or think you know) about insurance because you’re going to get a crash course in the things you must know in order to find better rates and still maintain coverage.

The quickest method to compare rates is to take advantage of the fact most of the larger companies allow for online access to give free rates quotes. All consumers are required to do is spend a couple of minutes providing details including daily mileage, whether or not you need a SR-22, how much school you completed, and an estimate of your credit level. The rating information is then sent to multiple companies and they return rate quotes almost instantly.

Is there deception in advertising?

Consumers can’t ignore all the ads for the lowest price auto insurance by companies like State Farm and Allstate. They all make an identical promise of big savings if you move to them.

But how can every company make the same claim?

All the different companies have a certain “appetite” for the type of customer that earns them a profit. For instance, a profitable customer could be a mature driver, insures multiple vehicles, and chooses high deductibles. A driver who fits that profile will qualify for the lowest rates and is almost guaranteed to save when switching.

Potential customers who fall outside the requirements will have to pay a higher premium which usually ends up with the driver buying from a lower-cost company. Company advertisements say “customers that switch” not “everybody who quotes” save that kind of money. This is how insurance companies can claim big savings. Because of the profiling, drivers should compare many company’s rates. Because you never know the company that will give you the biggest savings on Toyota Camry insurance.

How to reduce 1999 Toyota Camry insurance rates

Companies that sell car insurance don’t always publicize every discount in a way that’s easy to find, so we researched both well-publicized and also the lesser-known insurance coverage savings. If you aren’t receiving every discount you deserve, you are throwing money away.

  • Anti-lock Brakes – Vehicles with anti-lock braking systems can avoid accidents and therefore earn up to a 10% discount.
  • Discounts for Safe Drivers – Safe drivers can get discounts for up to 45% lower rates for Camry insurance than drivers with accidents.
  • Good Student Discount – Getting good grades can get you a discount of up to 25%. This discount can apply up until you turn 25.
  • 55 and Retired – Older drivers may receive better insurance coverage rates for Camry insurance.
  • Paperless Signup – A few companies will give a small break for buying a policy and signing up online.

Consumers should know that most credits do not apply to all coverage premiums. Most only apply to individual premiums such as liability and collision coverage. So even though they make it sound like adding up those discounts means a free policy, companies wouldn’t make money that way.

Companies who might offer these money-saving discounts may include but are not limited to:

Double check with each company how you can save money. All car insurance discounts might not be offered in every state.

Tailor your coverage to you

When it comes to choosing the right insurance coverage for your personal vehicles, there isn’t really a one size fits all plan. Each situation is unique.

For example, these questions could help you determine if your insurance needs could use an agent’s help.

  • Does coverage extend to a rental car in a foreign country?
  • Is rental equipment covered for theft or damage?
  • Is extra glass coverage worth it?
  • How much liability insurance is required?
  • Does coverage extend to Mexico or Canada?
  • How high should deductibles be on a 1999 Toyota Camry?
  • Are all vehicle passengers covered by medical payments coverage?
  • How can I find cheaper teen driver insurance?

If you don’t know the answers to these questions but a few of them apply, then you may want to think about talking to an agent. If you want to speak to an agent in your area, take a second and complete this form. It’s fast, doesn’t cost anything and may give you better protection.

Insurance coverage considerations

Learning about specific coverages of a insurance policy can be of help when determining which coverages you need and proper limits and deductibles. Policy terminology can be confusing and coverage can change by endorsement.

Coverage for medical payments

Medical payments and Personal Injury Protection insurance reimburse you for immediate expenses for things like pain medications, prosthetic devices, chiropractic care, surgery and funeral costs. They are used to fill the gap from your health insurance policy or if you lack health insurance entirely. Medical payments and PIP cover all vehicle occupants as well as any family member struck as a pedestrian. Personal injury protection coverage is not universally available but it provides additional coverages not offered by medical payments coverage

Coverage for collisions

This covers damage to your Camry resulting from a collision with an object or car. You have to pay a deductible and then insurance will cover the remainder.

Collision can pay for claims such as scraping a guard rail, crashing into a building, driving through your garage door and colliding with a tree. Collision coverage makes up a good portion of your premium, so you might think about dropping it from vehicles that are 8 years or older. It’s also possible to raise the deductible to get cheaper collision coverage.

Uninsured and underinsured coverage

This gives you protection when other motorists either are underinsured or have no liability coverage at all. It can pay for injuries sustained by your vehicle’s occupants as well as your vehicle’s damage.

Due to the fact that many drivers only purchase the least amount of liability that is required, their liability coverage can quickly be exhausted. For this reason, having high UM/UIM coverages is important protection for you and your family.

Comprehensive coverages

Comprehensive insurance coverage covers damage that is not covered by collision coverage. You need to pay your deductible first then your comprehensive coverage will pay.

Comprehensive coverage pays for things such as rock chips in glass, damage from a tornado or hurricane and hitting a deer. The maximum amount a insurance company will pay at claim time is the actual cash value, so if your deductible is as high as the vehicle’s value consider removing comprehensive coverage.

Liability

This coverage will cover damage that occurs to other people or 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. You might see values of 50/100/50 which means $50,000 in coverage for each person’s injuries, a total of $100,000 of bodily injury coverage per accident, and $50,000 of coverage for damaged property.

Liability coverage protects against things like loss of income, repair costs for stationary objects, funeral expenses, medical expenses and structural damage. The amount of liability coverage you purchase is your choice, but buy as high a limit as you can afford.

Shop. Compare. Save.

As you go through the steps to switch your coverage, you should never skimp on coverage in order to save money. In too many instances, someone sacrificed liability limits or collision coverage to discover at claim time that the small savings ended up costing them much more. The proper strategy is to purchase plenty of coverage for the lowest price, not the least amount of coverage.

Cost effective 1999 Toyota Camry insurance can be bought both online as well as from independent agents, so compare prices from both in order to have the best price selection to choose from. Some companies don’t offer you the ability to get quotes online and most of the time these smaller companies sell through independent agents.

Consumers change insurance companies for many reasons like an unsatisfactory settlement offer, high prices, delays in paying claims and even unfair underwriting practices. It doesn’t matter why you want to switch finding a great new company can be easy and end up saving you some money.

To learn more, link through to the following helpful articles:

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