View 1996 Toyota Camry Car Insurance Quotes

Trying to find lower insurance rates for your Toyota Camry? Feel like you’re a prisoner to high-priced insurance? Believe me when I say there are lots of people in the same boat. Many car insurance companies vie for your hard-earned dollar, and because of this it can be hard to compare auto insurance companies and get the definite lowest rate

If you are insured now or need new coverage, you can use these tips to cut your premiums while maximizing coverage. Finding the best rates is not rocket science. Drivers only need to know how to buy auto insurance on the web.

The method we recommend to compare rate quotes is to know the trick most larger insurance companies participate in a system to quote your coverage. All consumers are required to do is provide a small amount of information including if you’re married, types of safety features, how your vehicles are used, and the type of vehicles you drive. Your information is instantly provided to all major companies and they return rate quotes immediately.

These discounts can lower your rates

Properly insuring your vehicles can get expensive, but discounts can save money and there are some available to help bring down the price. Some trigger automatically at the time of purchase, but some may not be applied and must be asked for before you get the savings. If you’re not getting every credit you deserve, you’re just leaving money on the table.

  • Homeowners Discount – Being a homeowner can save you money because owning a home shows financial diligence.
  • Accident Forgiveness – A handful of insurance companies allow you one accident before raising your premiums if you are claim-free for a certain period of time.
  • Organization Discounts – Affiliation with a qualifying organization could qualify you for a break when buying insurance for Camry insurance.
  • Discount for Life Insurance – Some companies give better rates if you take out a life insurance policy as well.
  • Save over 55 – Mature drivers can possibly qualify for better insurance rates for Camry insurance.
  • Federal Employees – Simply working for the federal government could cut as much as 10% off for Camry insurance with certain companies.
  • College Student – Kids in college who live away from home and do not have a car can receive lower rates.
  • Sign Online – A handful of insurance companies give back up to $50 just for signing your application on their website.
  • Passive Restraints – Vehicles with factory air bags or motorized seat belts may earn rate discounts up to 30%.
  • Early Signing – Some companies give discounts for switching to them before your current expiration date. This can save 10% or more.

A little note about advertised discounts, most credits do not apply to the entire policy premium. The majority will only reduce the cost of specific coverages such as physical damage coverage or medical payments. Just because it seems like you can get free auto insurance, you won’t be that lucky. Any qualifying discounts will bring down your premiums.

To see a list of insurance companies who offer insurance discounts, click this link.

Different people need different coverages

When it comes to choosing adequate coverage, there is no single plan that fits everyone. Your needs are not the same as everyone else’s so this has to be addressed. For instance, these questions could help you determine whether your personal situation might need professional guidance.

  • Am I covered if hit by an uninsured driver?
  • Am I better off with higher deductibles on my 1996 Toyota Camry?
  • Should I have a commercial auto policy?
  • Should I sign the liability waiver when renting a car?
  • Does my policy cover me when driving someone else’s vehicle?
  • Do I have coverage when using my vehicle for my home business?
  • Should I drop comprehensive coverage on older vehicles?

If you’re not sure about those questions but you think they might apply to your situation, you may need to chat with a licensed agent. If you don’t have a local agent, complete this form or you can also visit this page to select a carrier It only takes a few minutes and you can get the answers you need.

Auto insurance coverage options for a 1996 Toyota Camry

Understanding the coverages of auto insurance can help you determine the best coverages at the best deductibles and correct limits. The terms used in a policy can be impossible to understand and even agents have difficulty translating policy wording. These are the normal coverages available from auto insurance companies.

Liability coverage

Liability insurance can cover damage that occurs to a person or their property by causing an accident. It protects you from legal claims by others. Liability doesn’t cover damage sustained by your vehicle in an accident.

Split limit liability has three limits of coverage: per person bodily injury, per accident bodily injury, and a property damage limit. You commonly see limits of 50/100/50 which stand for a limit of $50,000 per injured person, a per accident bodily injury limit of $100,000, and property damage coverage for $50,000. Alternatively, you may have a combined limit which provides one coverage limit without having the split limit caps.

Liability coverage protects against things like funeral expenses, medical expenses, loss of income and repair costs for stationary objects. The amount of liability coverage you purchase is up to you, but consider buying as large an amount as possible.

Comprehensive (Other than Collision)

This pays to fix your vehicle from damage OTHER than collision with another vehicle or object. A deductible will apply and then insurance will cover the rest of the damage.

Comprehensive coverage pays for claims like a tree branch falling on your vehicle, damage from a tornado or hurricane, fire damage and vandalism. The maximum payout your auto insurance company will pay is the cash value of the vehicle, so if the vehicle’s value is low consider dropping full coverage.

Medical expense insurance

Medical payments and Personal Injury Protection insurance reimburse you for short-term medical expenses for things like dental work, hospital visits and funeral costs. The coverages can be used in conjunction with a health insurance policy or if you lack health insurance entirely. Medical payments and PIP cover both the driver and occupants as well as any family member struck as a pedestrian. Personal injury protection coverage is not available in all states but can be used in place of medical payments coverage

Protection from uninsured/underinsured drivers

Uninsured or Underinsured Motorist coverage protects you and your vehicle’s occupants when the “other guys” are uninsured or don’t have enough coverage. It can pay for hospital bills for your injuries and damage to your Toyota Camry.

Because many people only carry the minimum required liability limits, their limits can quickly be used up. This is the reason having UM/UIM coverage should not be overlooked. Usually the UM/UIM limits are similar to your liability insurance amounts.

Collision protection

This pays for damage to your Camry from colliding with another car or object. A deductible applies and then insurance will cover the remainder.

Collision coverage pays for things like damaging your car on a curb, sideswiping another vehicle, driving through your garage door, sustaining damage from a pot hole and scraping a guard rail. Collision is rather expensive coverage, so consider removing coverage from older vehicles. Another option is to increase the deductible to save money on collision insurance.

One last thing about your coverage

When shopping online for insurance coverage, it’s a bad idea to reduce needed coverages to save money. Too many times, an accident victim reduced liability coverage limits and discovered at claim time that it was a big mistake. Your goal should be to get the best coverage possible at a price you can afford while not skimping on critical coverages.

In this article, we presented some good ideas how to compare 1996 Toyota Camry insurance prices online. The key thing to remember is the more quotes you get, the better likelihood of reducing your rate. Consumers may even find the biggest savings come from the least-expected company. These smaller insurers may cover specific market segments cheaper than their larger competitors like Progressive or GEICO.

Much more information about insurance coverage is available at these links: