Insurance Rates Decline for Toyota Camry Drivers

Drivers have lots of choices when trying to find affordable Toyota Camry insurance. They can either waste time calling around to compare prices or save time using the internet to make rate comparisons. There are both good and bad ways to compare auto insurance rates and you need to know the proper way to compare rates for a new or used Toyota and locate the best price possible either online or from local insurance agents.

It’s smart to get comparison quotes quite often because rates fluctuate regularly. Even if you think you had the best deal on Camry coverage a year ago the chances are good that you can find a lower rate today. So ignore everything you know about auto insurance because you’re going to learn how to quote online to properly buy coverages and cut your premium.

Comprehensive Auto Insurance Comparison Quotes

There are several ways to compare auto insurance quotes, but some are less labor-intensive and much quicker. You can waste a few hours (or days) talking about coverages with insurance companies in your area, or you could save time and use the internet to get prices fast.

All the larger companies enroll in a system where insurance shoppers submit one quote, and each participating company can give them a price based on that data. This system prevents you from having to do quote forms for every auto insurance company.

To compare rates now click here to start a free quote.

One minor caviat to pricing coverage this way is you don’t know exactly which insurance companies to receive prices from. So if you want to select from a list of companies to receive pricing from, we put together a list of the cheapest auto insurance companies in your area. Click to view list.

Which method you use is up to you, but make sure you use the exact same coverage limits and deductibles for each comparison quote. If you enter different deductibles it will be next to impossible to determine which rate is truly the best. Slightly different insurance coverages may result in a large different in cost. And when comparison shopping, having more price comparisons will improve the odds of getting a better price.

But I don’t know anything about car insurance

When buying proper insurance coverage for your vehicles, there really is not a cookie cutter policy. Everyone’s situation is a little different.

These are some specific questions might help in determining whether you could use an agent’s help.

  • Is borrowed equipment or tools covered if stolen or damaged?
  • Who is covered when they drive my Toyota Camry?
  • What vehicles should carry emergency assistance coverage?
  • When would I need rental car insurance?
  • Is my babysitter covered when using my vehicle?
  • Can I afford to buy a different vehicle if my Toyota Camry is totaled?
  • When would I need additional glass coverage?
  • Am I covered when driving a rental car?

If you don’t know the answers to these questions, then you may want to think about talking to a licensed agent. If you want to speak to an agent in your area, complete this form.

Buying auto insurance from a local agent

Some consumers would prefer to buy from a local agent and that is just fine! One of the best bonuses of price shopping on the web is you can get the best rates and still have an agent to talk to.

For easy comparison, once you complete this form (opens in new window), your coverage information gets sent to insurance agents who will battle to get your business. There is no need to leave your computer as quotes are delivered straight to your inbox. How’s that for easy! You can find better rates AND a local agent.

Deciding on a company should depend on more than just the bottom line cost. These are valid questions to ask:

  • How are claims handled?
  • How are they compensated?
  • Is vehicle damage repaired with OEM or aftermarket parts?
  • Are glass claims handled on-site or do you have to take your vehicle to a repair shop?
  • Do the companies they represent have a solid financial rating?
  • Do they specialize in personal lines coverage?
  • Which insurance companies are they affiliated with?
  • Do the coverages you’re quoting properly cover your vehicle?

Insurance agencies come in two flavors

When searching for an insurance agent, there are two types of agencies from which to choose. Insurance agencies are classified as either captive or independent (non-captive).

Agency Captives

These agents can only write with one company like Allstate, AAA, Liberty Mutual and State Farm. Captives cannot compare other company’s rates so they are skilled at selling on more than just price. Captives are well schooled on their company’s products which can be an advantage. Some consumers prefer to buy insurance from these agents partially due to high brand loyalty and solid financial strength.

quote Camry insurance

Independent Insurance Agents

Independent insurance agents do not work for one specific company but rather can write business with any number of different companies and possibly get better coverage at lower prices. If you are not satisfied with one company, the business is moved internally and that require little work on your part.

When comparison shopping, we recommend you include several independent insurance agents for the best price selection.Many can place coverage with smaller regional carriers which can be an advantage.

To view a full list of agencies, click here.

Once you have received reasonable responses for all questions you ask as well as a affordable price, most likely you have located an insurance agency that is a good match to provide auto insurance coverage.