How Much Does 2012 Toyota Camry Hybrid Insurance Cost?

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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 insurance coverage rates for your Toyota Camry Hybrid? Searching for the cheapest insurance for a Toyota Camry Hybrid can normally be an all-consuming task, but you can learn our insurance coverage buying tips to find lower rates.

There are more efficient ways to buy insurance coverage so we’re going to tell you the proper way to price shop coverage for your Toyota and obtain the lowest price from both online companies and local agents.

It’s a great practice to do rate comparisons periodically because prices are rarely the same from one policy term to another. Even if you got the lowest rates on Camry Hybrid coverage six months ago you can probably find a better price now. Starting now, forget all the misinformation about insurance coverage because I’m going to teach you one of the quickest ways to remove unneeded coverages and save money.

Which Insurance Coverage is Cheapest?

Most major insurance companies such as Progressive, Allstate and GEICO allow you to get coverage price quotes on their websites. Getting online quotes is fairly simple as you just enter the amount of coverage you want into the quote form. After you submit the form the company’s rating system collects information on your driving record and credit history and returns a price quote determined by many factors.

This helps simplify price comparisons, but having to visit multiple sites and fill out multiple forms gets old quite quickly. But it’s very important to compare as many rates as possible in order to get the best price possible.

There is a better way!

A less time-consuming method to lower your rates utilizes a single form that gets price quotes from multiple companies. It saves time, helps eliminate reptitive entry, and makes online price comparison much more efficient. Once the form is submitted, it gets priced with multiple companies and you can pick any or none of the resulting price quotes.

If the quotes result in lower rates, you can simply submit the application and buy the new coverage. The whole process takes 15 minutes at the most and you will find out if you’re overpaying now.

To quickly find out how much you’re overpaying now, simply click here to open in new window and complete the simple form. If you have a policy now, it’s recommended you type in the insurance coverages as close as possible to your current policy. Doing this guarantees you will receive a price comparison for similar coverage.

How to reduce 2012 Toyota Camry Hybrid insurance rates

Insuring your vehicles can cost a lot, buy you may qualify for discounts to help offset the cost. Certain discounts will be triggered automatically at the time of purchase, but lesser-known reductions have to be asked for prior to getting the savings. If you’re not getting every credit you deserve, you are paying more than you should be.

  • Anti-lock Brakes – Vehicles equipped with ABS or steering control are safer to drive and earn discounts up to 10%.
  • Safety Course Discount – Successfully completing a defensive driving course could save 5% or more and easily recoup the cost of the course.
  • No Charge for an Accident – A few companies will forgive one accident before hitting you with a surcharge as long as you don’t have any claims for a certain period of time.
  • Claim Free – Good drivers with no accidents pay less compared to bad drivers.
  • Multi-policy Discount – When you have multiple policies with the same company you may earn 10% to 20% off each policy.
  • Multi-car Discount – Insuring more than one vehicle on one policy may reduce the rate for each vehicle.
  • College Student – Kids in college who attend school more than 100 miles from home and do not have access to a covered vehicle may be able to be covered for less.
  • Discount for Swiching Early – Some companies give discounts for buying a policy before your current expiration date. The savings is around 10%.
  • Seat Belt Usage – Using a seat belt and requiring all passengers to wear their seat belts could save 15% off your medical payments premium.
  • Homeowners Discount – Owning a house may earn you a small savings because maintaining a house demonstrates responsibility.

Consumers should know that some credits don’t apply to the entire policy premium. A few only apply to individual premiums such as liability and collision coverage. Even though it may seem like it’s possible to get free car insurance, you’re out of luck. Any amount of discount will bring down the amount you have to pay.

To see a list of insurers with the best insurance discounts, click here to view.

Tailor your coverage to you

When buying adequate coverage, there is no one size fits all plan. Everyone’s situation is a little different.

For instance, these questions can help discover if your insurance needs might need professional guidance.

  • Is motorclub coverage worth it?
  • What is UM/UIM insurance?
  • How much underlying liability do I need for an umbrella policy?
  • Do I have coverage for damage caused while driving under the influence?
  • What are the financial responsibility laws in my state?
  • Are my friends covered when driving my car?

If you can’t answer these questions but you know they apply to you then you might want to talk to a licensed agent. To find lower rates from a local agent, complete this form. It’s fast, free and you can get the answers you need.

Parts of your insurance policy

Having a good grasp of insurance can be of help when determining the right coverages at the best deductibles and correct limits. The coverage terms in a policy can be ambiguous and coverage can change by endorsement.

Collision coverage protection

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

Collision coverage protects against things such as colliding with a tree, backing into a parked car and crashing into a building. This coverage can be expensive, so you might think about dropping it from lower value vehicles. Drivers also have the option to choose a higher deductible to get cheaper collision coverage.

UM/UIM (Uninsured/Underinsured Motorist) coverage

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

Because many people only purchase the least amount of liability that is required, their liability coverage can quickly be exhausted. So UM/UIM coverage should not be overlooked. Frequently these coverages are identical to your policy’s liability coverage.

Comprehensive auto coverage

Comprehensive insurance coverage covers damage OTHER than collision with another vehicle or object. A deductible will apply and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive can pay for claims like hail damage, damage from flooding and theft. The maximum amount a insurance company will pay at claim time is the market value of your vehicle, so if the vehicle’s value is low it’s not worth carrying full coverage.

Medical payments and PIP coverage

Med pay and PIP coverage provide coverage for short-term medical expenses for nursing services, prosthetic devices, funeral costs and dental work. They can be used to fill the gap from your health insurance plan or if you do not have health coverage. Coverage applies to you and your occupants in addition to if you are hit as a while walking down the street. PIP is not available in all states and may carry a deductible

Coverage for liability

This coverage will cover damage that occurs to a person or their property that is your fault. It protects you against claims from other people, and doesn’t cover damage sustained by your vehicle in an accident.

Coverage consists of three different limits, per person bodily injury, per accident bodily injury, and a property damage limit. You commonly see values of 50/100/50 that means you have $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. Alternatively, you may have one number which is a combined single limit which provides one coverage limit with no separate limits for injury or property damage.

Liability coverage protects against things like repair costs for stationary objects, bail bonds, legal defense fees and loss of income. The amount of liability coverage you purchase is up to you, but consider buying as high a limit as you can afford.

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