Toyota Toyota Camry Insurance Rates
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UPDATED: Feb 20, 2020
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Feel like you’re a prisoner to an underperforming, overpriced insurance policy? Believe me when I say many consumers feel financially strained by their insurance policy. Lots of car insurance companies contend for your hard-earned dollar, and because of this it can be hard to compare insurance companies and get the best coverage at the lowest rate possible.
It is always a good idea to take a look at other company’s rates before your policy renews since insurance rates change frequently. Just because you found the best rates for Camry Solara insurance a year ago there is a good chance you can find better rates now. Ignore everything you know about insurance because you’re about to learn the easiest way to lower your rates without sacrificing coverage.
How to Get Auto Insurance Comparison Quotes
Getting a cheaper price on 2002 Toyota Camry Solara insurance is actually quite simple. The only requirement is to take time comparing rates online with multiple companies. This can be done in a couple of different ways.
The single most time-saving way consumers can make multiple comparisons is an all-inclusive rate comparison like this one (opens in new window). This method eliminates the need for separate quotation requests to each individual auto insurance company. Filling out one form will get you price quotes from several companies.
A less efficient way to compare prices is to manually visit the website for every company you want to comare and fill out their own quote form. For examples sake, we’ll assume you want comparison quotes from Progressive, GEICO and Liberty Mutual. To get rate quotes you would need to spend time on each company’s site and enter your information, which is why most consumers use the first method.
For a list of links to companies insuring cars in your area, click here.
The most time-consuming way to get comparison rates is to spend your day driving to insurance agents’ offices. The internet makes this process obsolete unless you have a need for the personal advice that only a license agent can provide. However, consumers can compare the best prices online and still use a local agent and we’ll cover that in a bit.
However you get your quotes, make sure you use identical coverage limits on every quote. If your comparisons have unequal deductibles or liability limits it will be impossible to decipher which rate is best.
Discounts are basically free money
Car insurance companies don’t list every discount in a way that’s easy to find, so here is a list some of the more common and the more hidden savings tricks you should be using. If you aren’t receiving every discount possible, you’re just leaving money on the table.
- Discounts for Safe Drivers – Drivers who don’t get into accidents may receive a discount up to 45% less for Camry Solara insurance than less cautious drivers.
- Own a Home – Simply owning a home may trigger a car insurance policy discount because of the fact that having a home demonstrates responsibility.
- Theft Prevention Discount – Cars that have factory anti-theft systems are stolen less frequently and therefore earn up to a 10% discount.
- Accident Forgiveness – A handful of insurance companies allow you one accident before hitting you with a surcharge so long as you haven’t had any claims for a certain period of time.
- Braking Control Discount – Anti-lock brake equipped vehicles can avoid accidents and earn discounts up to 10%.
- Federal Government Employee – Active or retired federal employment could cut as much as 10% off for Camry Solara insurance with a few car insurance companies.
- Early Switch Discount – Some insurance companies reward drivers for switching policies before your current expiration date. It’s a savings of about 10%.
Consumers should know that some credits don’t apply to the overall cost of the policy. Most only cut individual premiums such as collision or personal injury protection. So when the math indicates you would end up receiving a 100% discount, it just doesn’t work that way.
For a list of companies with discount car insurance rates, follow this link.
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Which insurance is the “right” coverage?
When buying the best car insurance coverage, there really is no cookie cutter policy. Coverage needs to be tailored to your specific needs so your insurance needs to address that. Here are some questions about coverages that can help discover whether or not you would benefit from an agent’s advice.
- Do I have coverage for damage caused while driving under the influence?
- Am I getting all the discounts available?
- How can I force my company to pay a claim?
- Will my vehicle be repaired with OEM or aftermarket parts?
- Are there companies who specialize in insuring high-risk drivers?
- Does my 2002 Toyota Camry Solara need full coverage?
- Do I need rental car coverage?
- Am I covered if I break a side mirror?
If you don’t know the answers to these questions then you might want to talk to a licensed insurance agent. If you don’t have a local agent, complete this form or you can go here for a list of companies in your area. It’s fast, doesn’t cost anything and can help protect your family.
Car insurance coverages explained
Understanding the coverages of a car insurance policy aids in choosing the right coverages and proper limits and deductibles. Car insurance terms can be impossible to understand and coverage can change by endorsement. Shown next are the normal coverages offered by car insurance companies.
This coverage pays to fix your vehicle from damage 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 things such as rolling your car, sideswiping another vehicle, damaging your car on a curb and scraping a guard rail. This coverage can be expensive, so you might think about dropping it from vehicles that are 8 years or older. Drivers also have the option to bump up the deductible to get cheaper collision coverage.
Medical expense insurance
Coverage for medical payments and/or PIP kick in for expenses such as rehabilitation expenses, EMT expenses, chiropractic care, hospital visits and pain medications. The coverages can be used to cover expenses not covered by your health insurance policy or if you do not have health coverage. It covers all vehicle occupants as well as getting struck while a pedestrian. PIP coverage is not an option in every state but can be used in place of medical payments coverage
Comprehensive (Other than Collision)
Comprehensive insurance will pay to fix damage that is not covered by collision coverage. You first must pay your deductible then the remaining damage will be covered by your comprehensive coverage.
Comprehensive coverage pays for things such as fire damage, a broken windshield and hitting a deer. The most your car insurance company will pay 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.
Liability auto insurance
Liability coverage will cover damages or injuries you inflict on people or other property by causing an accident. This coverage protects you against claims from other people, and doesn’t cover your injuries or vehicle damage.
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. Your policy might show policy limits of 25/50/25 that means you have $25,000 in coverage for each person’s injuries, a total of $50,000 of bodily injury coverage per accident, and a limit of $25,000 paid for damaged property.
Liability can pay for things such as pain and suffering, structural damage and loss of income. How much liability should you purchase? That is your choice, but you should buy as high a limit as you can afford.
Protection from uninsured/underinsured drivers
Your UM/UIM coverage protects you and your vehicle’s occupants from other motorists when they are uninsured or don’t have enough coverage. It can pay for medical payments for you and your occupants and damage to your 2002 Toyota Camry Solara.
Since many drivers only carry the minimum required liability limits, it only takes a small accident to exceed their coverage. So UM/UIM coverage is important protection for you and your family.
Smart consumers save more
When shopping online for insurance, never skimp on coverage in order to save money. There have been many situations where consumers will sacrifice liability limits or collision coverage only to discover later that it was a big error on their part. Your aim should be to buy a smart amount of coverage at a price you can afford while still protecting your assets.
Discount 2002 Toyota Camry Solara insurance is available online in addition to many insurance agents, and you should compare price quotes from both in order to have the best chance of saving money. Some insurance companies do not provide the ability to get a quote online and most of the time these smaller companies sell through independent agents.
- Young Drivers: The High Risk Years Video (iihs.org)
- When is the Right Time to Switch Car Insurance Companies? (Allstate)
- Preventing Carjacking and Theft (Insurance Information Insitute)
- Vehicle Insurance (Wikipedia)
- Prom Night Tips for Teen Drivers (State Farm)
- How do I File a Claim? (Insurance Information Insitute)
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