2010 Toyota Camry Insurance Rates
Average insurance rates for a 2010 Toyota Camry are $1,176 a year for full coverage insurance. Comprehensive insurance costs around $208 a year, collision costs $380, and liability costs $436. Buying a liability-only policy costs as little as $486 a year, with high-risk insurance costing $2,556 or more. Teenage drivers receive the highest rates at $4,578 a year or more.
Annual premium for full coverage: $1,176
Rate estimates for 2010 Toyota Camry Insurance
Rate data is compiled from all 50 U.S. states and averaged for all 2010 Toyota Camry models. Rates are based on a 40-year-old male driver, $500 comprehensive and collision deductibles, and a clean driving record. Remaining premium consists of UM/UIM coverage, Medical/PIP, and policy fees.
Price Range by Coverage and Risk
For a driver in their 40's, prices range go from as low as $486 for basic liability insurance to a high of $2,556 for a driver who has had serious violations or accidents.
These differences illustrate why it is important for drivers to compare rates for a specific zip code and risk profile, instead of making a decision based on average rates.
Use the form below to get rates for your location.
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Recommended Companies for Cheap 2010 Toyota Camry Insurance
Buying affordable insurance coverage online can seem to be difficult for consumers not familiar with shopping for insurance online. Because there are so many insurers available, how can anyone even start to compare them all to find the best available rates?
Smart consumers take time to price shop coverage yearly because prices are variable and change quite frequently. Even if you think you had the best deal for Camry coverage two years ago you may be paying too much now. There is a lot of bad advice regarding insurance coverage online but by reading this article, you’re going to learn some excellent ideas to quit paying high insurance coverage rates.
If you currently have car insurance, you stand a good chance to be able to reduce your rates substantially using this strategy. The purpose of this article is to help educate you on how car insurance quotes work. But car owners must learn how insurance companies price insurance differently and apply this information to your search.
Comprehensive Car Insurance Comparison Quotes
To find the best car insurance prices, there are several ways to compare rate quotes from car insurance companies in your area. The easiest way to compare 2010 Toyota Camry insurance prices is to use the internet to compare rates. This is very easy and can be done in several different ways.
Recommended Companies for the Best Insurance Rates
The best way to get quotes would be an industry-wide quote request form click to view form in new window. This type of form eliminates the need for repetitive form submissions for every car insurance company. A single form compares rates from car insurance companies with the best prices. It’s definitely the quickest method.
Another way to shop for car insurance online is to take the time to go to each company website and request a quote. For example, we’ll assume you want comparison quotes from Auto-Owners, Progressive and Farmers. To get each rate you have to go to every website and enter your policy data, which is why the first method is quicker. To view a list of companies in your area, click here.
It’s up to you which method you use, but be sure to compare exactly the same deductibles and coverage limits for each price quote. If each company quotes different deductibles it’s impossible to decipher which rate is best. Just a small difference in limits can make a big difference in price. And when quoting car insurance, remember that more quotes will enable you to find the best price.
Save 15 percent in 15 minutes? Is it for real?
Auto insurance providers like State Farm, GEICO and Progressive continually stream ads on television and other media. They all make the same claim about savings after switching your policy. How does each company say the same thing?
All the different companies have a certain “appetite” for the type of customer that makes them money. For instance, a driver they prefer might be profiled as a mature driver, a clean driving record, and chooses high deductibles. A customer getting a price quote who matches those parameters receives the best rates and therefore will save a lot of money.
Potential insureds who fall outside this ideal profile will be quoted a more expensive rate and ends up with the driver buying from a lower-cost company. Company advertisements say “customers who switch” not “everybody who quotes” save money. That’s why companies can truthfully make those claims.
This emphasizes why you absolutely need to get as many quotes as possible. It’s impossible to know which company will have the lowest Toyota Camry insurance rates.
Lower rates by qualifying for these five discounts
The cost of insuring your cars can be expensive, but discounts can save money and there are some available to help offset the cost. A few discounts will automatically apply at the time of purchase, but less common discounts must be requested specifically before you get the savings.
- More Vehicles More Savings – Insuring multiple cars or trucks with the same company could earn a price break for each car.
- Clubs and Organizations – Participating in a professional or civic organization could qualify you for a break on your policy for Camry coverage.
- Claim Free – Drivers who don’t have accidents can earn big discounts compared to frequent claim filers.
- Service Members Pay Less – Having a family member in the military may qualify for rate reductions.
- Defensive Driver – Taking a driver safety course could save 5% or more and easily recoup the cost of the course.
A little note about advertised discounts, most of the big mark downs will not be given the whole policy. Most only reduce the price of certain insurance coverages like comp or med pay. So even though it sounds like you would end up receiving a 100% discount, companies wouldn’t make money that way. But all discounts will reduce your premiums.
Insurance companies that possibly offer these benefits are:
Before buying, ask every prospective company what discounts are available to you. Savings might not be offered in your area.
Car insurance is unique, just like you
When choosing coverage for your personal vehicles, there really is not a best way to insure your cars. Every insured’s situation is different.
For example, these questions may help you determine if your situation could use an agent’s help.
- Can my babysitter drive my car?
- Do I need an umbrella policy?
- Does my insurance cover my expensive audio equipment?
- Does my personal policy cover me when driving out-of-state?
- Am I insured when driving a different vehicle?
- Can I make deliveries for my home business?
- How high should my medical payments coverage be?
- Should I buy only the required minimum liability coverage?
- What can I do if my company denied a claim?
If you can’t answer these questions, you might consider talking to an agent. To find lower rates from a local agent, take a second and complete this form.
Auto insurance coverage options for a 2010 Toyota Camry
Learning about specific coverages of your auto insurance policy can be of help when determining which coverages you need at the best deductibles and correct limits. Policy terminology can be ambiguous and nobody wants to actually read their policy.
This can cover injuries or damage you cause to other people or property. This insurance protects YOU against claims from other people. It does not cover damage sustained by your vehicle in an accident.
Liability coverage has three limits: per person bodily injury, per accident bodily injury, and a property damage limit. You commonly see liability limits of 25/50/25 that translate to $25,000 bodily injury coverage, a per accident bodily injury limit of $50,000, and a total limit of $25,000 for damage to vehicles and property. Another option is a combined limit which combines the three limits into one amount with no separate limits for injury or property damage.
Liability insurance covers claims such as structural damage, loss of income, court costs, attorney fees and legal defense fees. How much coverage you buy is up to you, but consider buying as much as you can afford.
Insurance for medical payments
Medical payments and Personal Injury Protection insurance kick in for expenses like hospital visits, nursing services and prosthetic devices. They can be used to cover expenses not covered by your health insurance program or if there is no health insurance coverage. They cover you and your occupants as well as any family member struck as a pedestrian. PIP coverage is not an option in every state and may carry a deductible
Comprehensive coverage (or Other than Collision)
Comprehensive insurance coverage covers damage that is not covered by collision coverage. You need to pay your deductible first and then insurance will cover the rest of the damage.
Comprehensive can pay for claims like falling objects, damage from getting keyed and a tree branch falling on your vehicle. The most you’ll receive from a claim is the ACV or actual cash value, so if the vehicle’s value is low consider dropping full coverage.
Uninsured Motorist or Underinsured Motorist insurance
Your UM/UIM coverage protects you and your vehicle from other drivers when they either have no liability insurance or not enough. It can pay for injuries to you and your family and also any damage incurred to your Toyota Camry.
Due to the fact that many drivers have only the minimum liability required by law, it doesn’t take a major accident to exceed their coverage limits. That’s why carrying high Uninsured/Underinsured Motorist coverage is important protection for you and your family. Most of the time your uninsured/underinsured motorist coverages do not exceed the liability coverage limits.
Auto collision coverage
This covers damage to your Camry resulting from colliding with an object or car. You have to pay a deductible then the remaining damage will be paid by your insurance company.
Collision can pay for things such as backing into a parked car, damaging your car on a curb and sideswiping another vehicle. This coverage can be expensive, so analyze the benefit of dropping coverage from vehicles that are 8 years or older. It’s also possible to raise the deductible in order to get cheaper collision rates.
Take this to the bank
While you’re price shopping online, do not skimp on critical coverages to save a buck or two. There are many occasions where drivers have reduced uninsured motorist or liability limits only to regret that the savings was not a smart move. Your focus should be to buy a smart amount of coverage at an affordable rate, not the least amount of coverage.
Throughout this article, we presented a lot of information how to save on 2010 Toyota Camry insurance. The key concept to understand is the more price quotes you have, the better your comparison will be. You may be surprised to find that the best prices are with some of the lesser-known companies.
Drivers who switch companies do it for a variety of reasons including high prices, policy non-renewal, extreme rates for teen drivers or even poor customer service. Whatever your reason, finding a new company is pretty simple and you could end up saving a buck or two.
More information is located below:
- Booster Seat Ratings (iihs.org)
- Understanding Car Crashes Video (iihs.org)
- Teen Driving and Texting (State Farm)
- How Much Auto Coverage do I Need? (Insurance Information Insitute)
- Safety Belts FAQ (iihs.org)
Find the Cheapest Quotes in Your Area
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Rates by U.S. City
|New York City, NY||$2,298|
|Los Angeles, CA||$1,980|
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Need a specific model?
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Rates by Driver Age
Full coverage, $500 deductibles
Rates by Deductible
Full coverage, driver age 40
Rates by Liability Limit
Full coverage, driver age 40
Rates for High Risk Drivers
Full coverage, $500 deductibles, two speeding tickets, and one at-fault accident
If a financial responsibility filing is required, the additional charge below may also apply.
Potential Rate Discounts
If you qualify for discounts, you may save the amounts shown below.
|5-yr Accident Free||$82|
|5-yr Claim Free||$76|
|Paid in Full/EFT||$50|
Discounts are estimated and may not be available from every company or in every state.