1999 Toyota Camry Insurance Rates

Wish you could get a refund on overpriced car insurance? Don’t sweat it because there are many drivers thinking the same thing. Many insurers vie for your business, and because of this it can be hard to compare insurers and uncover the absolute lowest price

It is always a good idea to do rate comparisons before your policy renews because prices trend upward over time. If you had the best deal for Camry insurance at your last renewal the chances are good that you can find a lower rate quote today. Don’t believe everything you read about car insurance online but we’re going to give you some great ideas on how to buy car insurance cheaper.

Earn discounts to get lower-cost insurance rates

The cost of insuring your cars can be expensive, but you may find discounts that may help make it more affordable. Some trigger automatically when you quote, but some may not be applied and must be specially asked for before being credited.

  • Payment Discounts – If you pay your bill all at once instead of making monthly payments you can actually save on your bill.
  • Seat Belts Save more than Lives – Forcing all vehicle occupants to fasten their seat belts can save a little on the premium charged for medical payments and/or PIP.
  • Memberships – Having an affiliation with a civic or occupational organization is a simple method to lower premiums when getting a car insurance quote.
  • Multiple Vehicles – Buying a policy with multiple cars with the same insurance company can reduce the rates for all insured vehicles.
  • Sign Online – Some of the larger companies will give a small break for buying your policy online.
  • Mature Driver Discount – Mature drivers can get a small decrease in premiums for Camry insurance.

A quick disclaimer, most of the big mark downs will not be given to the entire cost. The majority will only reduce the price of certain insurance coverages like physical damage coverage or medical payments. Even though it appears you can get free auto insurance, companies wouldn’t make money that way.

To see insurance companies with the best insurance discounts, click here.

Finding insurance coverage

Effectively comparing insurance coverage prices can be a daunting task if you don’t know the best way to get rate quotes. You could spend your day talking to insurance agencies in your area, or you could use the internet to get the quickest rates.

Many insurance companies are enrolled in a marketplace where prospective buyers enter their policy data once, and every company then gives them pricing determined by their information. This eliminates the need for form submissions to every company.

To enter your information into the quoting system, click here (opens in new window).

The one disadvantage to doing it this way is that you can’t choose the companies you want to price. If you prefer to choose specific insurance companies to receive pricing from, we put together a list of low cost insurance coverage companies in your area. Click here to view list.

However you get your quotes, be sure to compare nearly identical quote information for each price quote. If you are comparing different deductibles it will be next to impossible to decipher which rate is best.

Tailor your car insurance coverage to you

When it comes to buying the right insurance coverage, there really is no “best” method to buy coverage. Everyone’s situation is unique so your insurance should reflect that For instance, these questions may help you determine if you would benefit from professional advice.

  • How can I get my company to pay me more for my totalled car?
  • Why is insurance for a teen driver so high?
  • Is my cargo covered for damage or theft?
  • How much can I save by bundling my policies?
  • Should I waive the damage coverage when renting a car?
  • Will my rates increase for filing one claim?
  • Do I need motorclub coverage?
  • Am I covered when using my vehicle for business?
  • Do all my vehicles need collision coverage?
  • Should I bundle my homeowners policy with my auto?

If you don’t know the answers to these questions but you know they apply to you, you may need to chat with an agent. If you want to speak to an agent in your area, simply complete this short form or click here for a list of car insurance companies in your area. It’s fast, doesn’t cost anything and may give you better protection.

Auto insurance coverages explained

Understanding the coverages of your auto insurance policy helps when choosing appropriate coverage at the best deductibles and correct limits. The coverage terms in a policy can be ambiguous and coverage can change by endorsement. These are the usual coverages available from auto insurance companies.

Medical payments coverage and PIP – Personal Injury Protection (PIP) and medical payments coverage pay for short-term medical expenses for dental work, pain medications, X-ray expenses, EMT expenses and chiropractic care. They are used to cover expenses not covered by your health insurance policy or if you are not covered by health insurance. It covers not only the driver but also the vehicle occupants and will also cover getting struck while a pedestrian. PIP coverage is not an option in every state but it provides additional coverages not offered by medical payments coverage

Collision – This coverage covers damage to your Camry resulting from a collision with another car or object. You have to pay a deductible then the remaining damage will be paid by your insurance company.

Collision can pay for claims like sideswiping another vehicle, sustaining damage from a pot hole, crashing into a building and driving through your garage door. Paying for collision coverage can be pricey, so you might think about dropping it from lower value vehicles. It’s also possible to choose a higher deductible to save money on collision insurance.

Uninsured/Underinsured Motorist coverage – Uninsured or Underinsured Motorist coverage protects you and your vehicle’s occupants from other motorists when they either have no liability insurance or not enough. It can pay for medical payments for you and your occupants and damage to your Toyota Camry.

Due to the fact that many drivers only purchase the least amount of liability that is required, their limits can quickly be used up. So UM/UIM coverage is very important.

Comprehensive coverage – This will pay to fix damage that is not covered by collision coverage. You first have to pay a deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive can pay for things such as vandalism, falling objects, theft and a tree branch falling on your vehicle. The maximum payout you’ll receive from a claim is the market value of your vehicle, so if the vehicle is not worth much consider dropping full coverage.

Liability car insurance – Liability insurance protects you from damage that occurs to other’s property or people in an accident. This insurance protects YOU from legal claims by others. Liability doesn’t cover your injuries or vehicle damage.

Liability coverage has three limits: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. As an example, you may have values of 50/100/50 which means $50,000 bodily injury coverage, a per accident bodily injury limit of $100,000, and a total limit of $50,000 for damage to vehicles and property.

Liability coverage pays for claims like medical services, loss of income and court costs. How much liability coverage do you need? That is a decision to put some thought into, but you should buy as high a limit as you can afford.

Feed the piggy bank

Budget-conscious 1999 Toyota Camry insurance can be bought from both online companies and also from your neighborhood agents, so you need to shop car insurance with both to get a complete price analysis. Some insurance companies may not provide the ability to get quotes online and most of the time these smaller providers provide coverage only through independent insurance agencies.

We just covered quite a bit of information on how to reduce 1999 Toyota Camry insurance premium rates online. The key thing to remember is the more providers you compare, the higher the chance of saving money. Drivers may discover the lowest premium rates come from some of the smallest insurance companies. Regional companies may often insure only within specific states and give getter rates than their larger competitors like Progressive and GEICO.

Additional information