How Much are Insurance Quotes for a Toyota Camry in Oregon?
Enter your Oregon zip code below to view companies that have cheap auto insurance rates.
UPDATED: Nov 11, 2019
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The chances that you’ll find the best cheap car insurance for a Toyota Camry in Oregon is contingent on a lot of rating criteria like how far you commute, where your vehicle is garaged, and if you have tickets or violations. Drivers in Oregon will pay on average $1,060 per year to insure a Camry, but that policy rate is a valuation rating a 50-year-old single male driver that includes comprehensive and collision coverage and $100 physical damage deductibles.
This brings up the issue that more than likely you aren’t exactly 50 years old or even a male, you might be married instead of single, and you probably do not live in the same zip code as the example. Auto insurance is not “one size fits all”, so your best shot at finding the cheapest rates for your Toyota is to comparison shop your policy at each renewal. Get a free quote now and you can get rates from some of the most affordable companies around.
The trim level of your Camry tends to have a direct effect on price, so the price you pay to insure a Camry LE model will be $182 less than the price to insure the high end Camry Hybrid version, as demonstrated by the prices below.
|Model||Comp||Collision||Liability||Medical||UM/UIM||Annual Premium||Monthly Premium|
|Get Your Own Custom Quote Go|
Table data assumes single male driver age 50, no speeding tickets, no at-fault accidents, $100 deductibles, and Oregon minimum liability limits. Discounts applied include multi-policy, homeowner, safe-driver, multi-vehicle, and claim-free. Estimates do not factor in vehicle garaging location which can decrease or increase premium rates considerably.
Buying coverage from the top auto insurance company is difficult considering how many choices there are in Oregon. The company ratings in the lists below may help you select which coverage providers to look at comparing prices from.
These rankings are for the largest auto insurers in America, so companies that have a smaller presence are not factored into this list. If you wish to compare rates from these and other companies in Oregon, follow this link.
Top 10 Major Car Insurance Companies in Oregon Ranked by Customer Service
- State Farm
- The Hartford
- The General
- American Family
- AAA Insurance
Top Companies for Toyota Camry Insurance in Oregon
Enter your zip code below to view companies that have cheap auto insurance rates.
The illustration below demonstrates how choosing different deductibles can affect annual premium costs when researching cheap insurance for a Toyota Camry. The information is based on a married female driver, full coverage, and no additional discounts are factored in.
A 50-year-old driver could pocket $262 a year by switching the physical damage coverage from a $100 deductible up to a $500 deductible, or save $394 by changing to a $1,000 deductible. Even younger insureds, like the 20-year-old, can save up to $648 every year just by using higher deductibles.
If you do make the decision to raise your deductibles, it is necessary to have plenty of savings on hand to enable you to pay the extra out-of-pocket expense that deters many people from opting for higher deductibles.
Difference between full coverage and liability only rates
Finding cheap insurance for a Toyota Camry in Oregon should be important to the majority of people, and one good way to buy cheaper insurance is to not insure for full coverage. The chart below illustrates the comparison of insurance prices with liability coverage only compared to full coverage. Data assumes no accidents or driving violations, $250 deductibles, drivers are single, and no other discounts are factored in.
If we average the cost for all age groups, physical damage insurance costs an extra $2,129 per year more than insuring for liability only. That proposes the question when is it a good idea to stop buying full coverage. There is no exact rule to stop paying for full coverage, but there is a general guideline you can use. If the yearly cost for physical damage coverage is more than 10% of any settlement you would receive from your insurance company, then it’s probably a good time to buy liability coverage only.
For example, let’s assume your vehicle’s settlement value is $6,500 and you have $1,000 policy deductibles. If your vehicle is severely damaged, the most your company will settle for is $5,500 after paying your policy deductible. If it’s costing you more than $550 annually to have full coverage, then it could be time to drop full coverage.
Geico, Progressive, Allstate, or State Farm: Who is best?
When it comes to buying insurance for a Camry, the top insurers to get price quotes from are Geico, Progressive, Allstate, and State Farm. Between them, they make up over 48% of all policies written in the United States. Each one has slightly different coverage options that policyholders can choose from. The table below breaks down ratings for price and service, as well as some optional coverages that are available for customers.
|Number of Discounts||2nd||4th||1st||3rd|
|Percent of U.S. market||11.4%||8.8%||10%||18.3%|
|Percent of customers who recommend||87%||88%||86%||88%|
|A.M. Best financial rating||A++||A+||A+||A++|
|Rate for vehicle usage||No||Yes||Yes||Yes|
|Emergency roadside assistance||Yes||Yes||Yes||Yes|
|Mechanical breakdown insurance||Yes||Yes||No||No|
|New car replacement insurance||No||No||Yes||No|
|Available in Oregon||Yes||Yes||Yes||Yes|
|Compare Prices Now Go|
Who has the cheapest Toyota Camry insurance quotes?
Drivers have a lot of ways to compare car insurance quotes in Oregon, but the most popular methods are from a captive (or exclusive) agent like Auto-Owners or State Farm, an independent or non-exclusive agent, or direct from companies such as Geico or Progressive.
They all follow the same basic process, but it’s important to understand the differences in how they price policies.
Independent insurance agencies can place your business with multiple companies and can get rate quotes from every one. These types of agencies are usually affiliated with several companies and can provide multiple price quotes, which can help you get improved odds of finding cheaper coverage. If cheaper coverage is found, they simply move your policy to a different company without having to get a different agent.
Exclusive agencies are only able to quote rates with a single insurance company, a couple examples are Allstate or State Farm agents. They usually cannot place coverage with different providers, which will not provide a complete price comparison.
Car insurance from a direct company means you bypass either of the other two types of agents and instead buy buying direct from a company like Geico or Esurance. Shopping direct can be good for families who have lower risk management needs and know more than average about what specific coverages and deductibles they need.
What is the best way for finding cheap insurance for a Toyota Camry in Oregon? We wish we could say buying from a direct company results in the cheapest price since there is no middleman, but unfortunately, that is not always true. A valid argument could also be made that buying from an independent agent is the best way to go because they can shop around, but that assumption is also not necessarily accurate. And occasionally, the exclusive agents have coverage prices that other companies cannot beat.
Due to the fact that car insurance rates vary so much, the one way to ensure you are not overpaying is to get as many comparison quotes as possible. We recommend you get quotes from all three in order to have the best selection to choose from. To see some of the cheapest online companies available, click here to view.
How to find more affordable car insurance for a Toyota Camry
It is possible to find better rates, and here are some of the better penny-pinching solutions that can help Oregon drivers get lower-cost coverage.
- You will pay more if you get tickets or have at-fault accidents
- Do not pay for full coverage on older vehicles
- Increase your deductibles
- Do not get into accidents
- Too many claims can make car insurance unaffordable
- Compare rates often to find the best deal
The last idea is remarkably crucial, as was noted in this piece. Insurance rates can change significantly in a year, so don’t be hesitant to change to a new company if a cheaper rate is available.
Brand loyalty is great, but it’s not recommended if that faithfulness ends up costing you hundreds of dollars a year. Now is a great time to compare rates to find cheaper car insurance for a Toyota Camry.
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