How much does 2015 Toyota Camry Hybrid car insurance cost?

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Luke Williams is a finance, insurance, real estate, and home improvement expert based in Philadelphia, Pennsylvania, specializing in writing and researching for consumers. He studied finance, economics, and communications at Pennsylvania State University and graduated with a degree in Corporate Communications.  His insurance and finance writing has been featured on Spoxor, The Good Men Proje...

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Written by Luke Williams
Insurance and Finance Writer Luke Williams

UPDATED: Sep 6, 2022

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No one looks forward to paying for insurance coverage, particularly when they are paying too much. Because you have many different company options, it can be difficult for consumers to locate the best insurer.

It’s a good habit to shop coverage around periodically due to the fact that insurance rates change quite often. Even if you got the lowest rates on Camry Hybrid coverage on your last policy you will most likely find a better rate today. Forget all the misinformation about insurance coverage because I’m going to let you in on the secrets to the best methods to save money on your 2015 Toyota Camry Hybrid car insurance cost, get proper deductibles and limits, all at the lowest rate.

Toyota Camry Hybrid Insurance Rates Can Be Determined by These Details

An important part of buying insurance is that you know the different types of things that help determine the rates you pay for car insurance. Having a good understanding of what influences your rates enables informed choices that could result in lower car insurance prices.

The following are some of the factors car insurance companies consider when setting premiums.

  • Occupation reflects on rates – Did you know your car insurance rates can be affected by your occupation? Careers like real estate brokers, executives and financial analysts are shown to have higher average rates attributed to high stress levels and long work days. Conversely, jobs such as actors, engineers and performers pay the least on Camry Hybrid coverage.
  • High crash test scores lower rates – Cars with high safety ratings can get you lower premiums. Safe vehicles have better occupant injury protection and lower injury rates translates into savings for insurance companies passed on to you as lower rates. If your Toyota Camry Hybrid has ratings of a minimum four stars on Safercar.gov or an “acceptable” rating on iihs.org it is probably cheaper to insure.
  • Policy add-ons can waste money – There are quite a few extra bells and whistles that can waste your money if you aren’t careful. Things like rental car reimbursement, accident forgiveness and term life insurance are examples of these. These coverages may sound good at first, but if they’re wasting money remove them from your policy.
  • Adjust deductibles and save – Insurance for physical damage to your car, commonly called comprehensive (or other-than-collision) and collision coverage, protects your Toyota from damage. Examples of covered claims could be running into the backend of another car, vandalism, and burglary. Your deductibles are the amount of money you are willing to pay before your car insurance pays a claim. The more you’re willing to pay, the bigger discount you will receive on Camry Hybrid coverage.
  • Multiple policies with one company can save – The majority of car insurance companies give discounts to customers who carry more than one policy, otherwise known as a multi-policy discount. Even with this discount, you still need to compare rates to verify if the discount is saving money. Consumers may find better rates by splitting coverages up.
  • Are you male or female? – Statistics have proven that women are safer drivers than men. However, don’t assume that women are BETTER drivers than men. They both have accidents at about the same rate, but the men cause more damage and cost insurance companies more money. Men also statistically get cited for more serious violations such as reckless driving.
  • Teen drivers pay high rates – Teenage drivers have a tendency to be less responsible when behind the wheel so they pay higher car insurance rates. Older insureds tend to be more responsible, tend to cause fewer accidents and receive fewer citations.

Companies Offer Discounts so Take Them

Companies that sell car insurance do not list every available discount very clearly, so the following is a list of both the well known and the more hidden discounts you could be receiving. If you’re not getting every credit you qualify for, you’re paying more than you need to.

  • Accident Free – Drivers with accident-free driving histories can save substantially compared to drivers who are more careless.
  • Organization Discounts – Affiliation with certain professional organizations could trigger savings when shopping for insurance on Camry Hybrid coverage.
  • Discount for Good Grades – Getting good grades can save 20 to 25%. The discount lasts up until you turn 25.
  • Discounts for Safe Drivers – Drivers who don’t get into accidents may receive a discount up to 45% less on Camry Hybrid coverage than drivers with accidents.
  • Seat Belts Save – Buckling up and requiring all passengers to use their safety belts can save up to 15% on the medical payments or PIP coverage costs.

It’s important to note that most credits do not apply to the overall cost of the policy. Most cut specific coverage prices like medical payments or collision. So even though they make it sound like having all the discounts means you get insurance for free, it doesn’t quite work that way.

Companies that may offer these benefits include:

  • Progressive
  • AAA
  • Farmers Insurance
  • GEICO
  • Esurance
  • SAFECO
  • State Farm

Before buying, ask each company how you can save money. Discounts might not be offered in your area.

Do I just need basic coverages?

When it comes to choosing coverage for your personal vehicles, there is no “perfect” insurance plan. Each situation is unique and your policy should reflect that. For example, these questions may help highlight if your insurance needs may require specific advice.

  • Can my teen drive my company car?
  • How can I get my company to pay me more for my totalled car?
  • What happens if I owe more than my 2015 Toyota Camry Hybrid is worth?
  • When do I need to add a new car to my policy?
  • What can I do if my company denied a claim?
  • Does coverage extend to a rental car in a foreign country?
  • Why am I required to buy liability insurance?

If you don’t know the answers to these questions but a few of them apply, you might consider talking to a licensed agent. To find an agent in your area, complete this form or you can also visit this page to select a carrier It’s fast, doesn’t cost anything and can help protect your family.

What auto insurance coverages do you need?

Having a good grasp of your policy can be of help when determining the best coverages and proper limits and deductibles. The terms used in a policy can be difficult to understand and even agents have difficulty translating policy wording. These are typical coverage types found on the average auto insurance policy.

Comprehensive auto insurance

This coverage covers damage OTHER than collision with another vehicle or object. A deductible will apply and then insurance will cover the rest of the damage.

Comprehensive insurance covers claims such as fire damage, damage from flooding, hail damage and vandalism. The most you’ll receive from a claim is the cash value of the vehicle, so if the vehicle is not worth much consider dropping full coverage.

Coverage for medical expenses

Med pay and PIP coverage kick in for bills for X-ray expenses, chiropractic care, dental work and EMT expenses. The coverages can be used in conjunction with a health insurance program or if you are not covered by health insurance. Coverage applies to not only the driver but also the vehicle occupants as well as if you are hit as a while walking down the street. PIP coverage is only offered in select states but can be used in place of medical payments coverage

Collision coverage protection

Collision insurance will pay to fix damage to your Camry Hybrid resulting from a collision with another vehicle or an object, but not an animal. You will need to pay your deductible then the remaining damage will be paid by your insurance company.

Collision coverage protects against things such as driving through your garage door, damaging your car on a curb, backing into a parked car and scraping a guard rail. This coverage can be expensive, so consider removing coverage from lower value vehicles. Drivers also have the option to bump up the deductible to save money on collision insurance.

Liability

This protects you from damages or injuries you inflict on other’s property or people by causing an accident. This insurance protects YOU against claims from other people, and does not provide coverage for your own vehicle damage or injuries.

Split limit liability has three limits of coverage: bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You might see liability limits of 25/50/25 which means a $25,000 limit per person for injuries, $50,000 for the entire accident, and a total limit of $25,000 for damage to vehicles and property.

Liability coverage pays for things such as funeral expenses, attorney fees and medical services. How much coverage you buy is a personal decision, but buy higher limits if possible.

Coverage for uninsured or underinsured drivers

Uninsured or Underinsured Motorist coverage provides protection when other motorists do not carry enough liability coverage. This coverage pays for injuries sustained by your vehicle’s occupants as well as damage to your Toyota Camry Hybrid.

Since a lot of drivers carry very low liability coverage limits, it only takes a small accident to exceed their coverage. For this reason, having high UM/UIM coverages is a good idea.

Best Coverage at the Best Price

The cheapest 2015 Toyota Camry Hybrid insurance is attainable from both online companies as well as from independent agents, so compare prices from both to get a complete price analysis. Some insurance coverage companies don’t offer the ability to get a quote online and most of the time these regional insurance providers sell through independent agents.

You just learned a lot of tips how to reduce insurance prices online. It’s most important to understand that the more you quote, the better chance you’ll have of finding lower rates. Consumers could even find that the best price on insurance coverage is with a lesser-known regional company. These smaller insurers may have significantly lower rates on certain market segments as compared to the big name companies such as Allstate, GEICO and Progressive.

Much more information about insurance coverage is located at the links below

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