Locating better insurance prices for your Toyota Camry in Washington could be difficult, but you can use the following methods to save time. There is a better way to buy auto insurance so you're going to learn the absolute fastest way to get price quotes on a Toyota and find the lowest possible price from Spokane insurance agents and online providers.
Components of Your Toyota Camry Insurance Rates
Multiple criteria are considered when you get a price on insurance. Some of the criteria are obvious such as your driving history, although some other factors are not as apparent like your continuous coverage and annual miles driven. Part of the insurance buying process is learning some of the things that go into determining your policy premiums. If you have a feel for what controls the rates you pay, this helps enable you to make changes that will entitle you to much lower annual insurance costs.
Pleasure use or commuting - Driving more miles annually the more it will cost to insure it. Most insurance companies charge rates partially by how you use the vehicle. Cars and trucks that are left in the garage receive lower rates as compared to vehicles used primarily for driving to work. An incorrectly rated Camry can cost quite a bit. Make sure your vehicle rating is rated on annual mileage.
Vocation can influence rates - Jobs such as military generals, business owners and financial analysts have higher premium rates because of intense work-related stress and long work hours. Other careers like professors, athletes and the unemployed get better rates.
Age of drivers - Older drivers are more responsible, file fewer claims, and get fewer tickets.Drivers with little experience are proven to be inattentive and easily distracted when driving with friends so insurance rates are higher.
Insurance rates in urban areas - Having an address in less populated areas can save you money when it comes to insurance. City drivers tend to have congested traffic and a longer drive to work. Less people living in that area means less chance of accidents as well as less vandalism and auto theft.
Keep insurance claims to a minimum - If you tend to file frequent claims, you can expect increased rates or even have your policy non-renewed. Companies in Washington provide discounts to policyholders who are claim-free. Your car insurance is intended to be relied upon for more catastrophic claims.
Never let your coverage expire - Having a lapse in insurance coverage can be a fast way to pay more for insurance. In addition to paying higher rates, being ticketed for driving with no insurance can result in fines or a revoked license. You could then be forced to prove you have insurance by filing a SR-22 with the Washington DMV.
Insurance loss probability for a Toyota Camry - Insurers use data from past claims to calculate a price that will offset losses. Models that historically have higher loss trends will be charged more to insure.
The next table shows the compiled insurance loss statistics for Toyota Camry vehicles. For each policy coverage type, the statistical loss for all vehicles averaged together is considered to be 100. Values that are below 100 imply a favorable loss record, while values that are 100 or greater indicate higher probability of having a loss or an increased likelihood of larger losses.
Toyota Camry Insurance Loss Statistics
|Specific Toyota Model||Collision||Property Damage||Comp||Personal Injury||Medical Payment||Bodily Injury|
|Toyota Camry Hybrid||124||100||110||118||127||96|
Statistics from IIHS.org for 2013-2015 Model Years
The easiest way to get rate comparisons for Toyota Camry insurance in Spokane is to realize most of the bigger providers allow for online access to provide you with a free rate quote. All you need to do is give them rating details including if you're married, daily mileage, your occupation, and if it has an anti-theft system. Your details gets sent immediately to many highly-rated insurers and they respond with quotes with very little delay.
To check rates for your Toyota Camry now, click here and enter your zip code.
The companies in the list below are ready to provide free quotes in Spokane, WA. If multiple companies are shown, we suggest you visit two to three different companies in order to find the lowest rates.
|Model||Comp||Collision||Liability||Medical||UM/UIM||Annual Premium||Monthly Premium|
|Get Your Own Custom Quote Go|
Data assumes single male driver age 30, no speeding tickets, no at-fault accidents, $250 deductibles, and Washington minimum liability limits. Discounts applied include multi-vehicle, claim-free, homeowner, safe-driver, and multi-policy. Rate quotes do not factor in specific location information which can raise or lower insurance rates substantially.
Safe drivers pay cheaper rates
The diagram below shows how violations and at-fault accidents can impact Toyota Camry annual premium costs for different ages of insureds. The information is based on a married male driver, full coverage, $500 deductibles, and no discounts are factored in.
How high should deductibles be?
The illustration below demonstrates how deductible levels and can affect Toyota Camry annual premium costs for different age groups of insureds. Data assumes a married male driver, full coverage, and no additional discounts are factored in.
Auto insurance protects more than just your car
Even though it's not necessarily cheap to insure a Toyota in Spokane, paying for auto insurance may be required and benefits you in several ways.
First, most states have minimum liability requirements which means you are required to buy a minimum amount of liability in order to license the vehicle. In Washington these limits are 25/50/10 which means you must have $25,000 of bodily injury coverage per person, $50,000 of bodily injury coverage per accident, and $10,000 of property damage coverage.
Second, if you bought your Camry with a loan, almost every bank will require that you buy insurance to guarantee loan repayment. If you default on your policy, the lender may insure your Toyota for a lot more money and make you pay for the expensive policy.
Third, auto insurance protects not only your Toyota but also your assets. It will also provide coverage for medical expenses for yourself as well as anyone injured by you. Liability insurance, one of your policy coverages, also pays expenses related to your legal defense if you are named as a defendant in an auto accident. If damage is caused by hail or an accident, comprehensive and collision coverage will pay to repair the damage minus the deductible amount.
The benefits of buying auto insurance definitely exceed the cost, particularly if you ever have a claim. An average driver in America is wasting up to $869 every year so it's recommended you shop around at every renewal to ensure rates are competitive.
Get lower-cost Toyota Camry insurance in Spokane with discounts
Insuring your fleet can be pricey, but you might find some hidden discounts to cut the cost considerably. Many of these discounts will be applied automatically at the time you complete a quote, but a few need to be specially asked for prior to getting the savings.
- Multi-line Discount - Companies who offer life insurance give a discounted premium rate on car insurance if you buy life insurance from them.
- Professional Organizations - Having an affiliation with qualifying clubs or civic groups is a simple method to lower premiums on your next auto insurance statement.
- Pay Now and Pay Less - If you pay your bill all at once rather than spreading payments over time you can avoid monthly service charges.
- Auto/Home Discount - When you have multiple policies and place coverage with the same company you could earn a discount of 10% to 20% off each policy.
- Military Rewards - Having an actively deployed family member may lower your prices slightly.
- Defensive Driver - Participating in a driver safety class could save 5% or more depending on where you live.
- Save over 55 - If you qualify as a senior citizen, you are able to get a slight reduction on a Spokane car insurance quote.
- Accident Waiver - Not really a discount, but some insurance companies will turn a blind eye to one accident before your rates go up if you are claim-free for a particular time prior to the accident.
One last thing about discounts, most discount credits are not given to the overall cost of the policy. The majority will only reduce individual premiums such as liability, collision or medical payments. So even though it sounds like you would end up receiving a 100% discount, you won't be that lucky.
Some of the insurance companies that may offer quotes with these discounts possibly include:
If you want inexpensive Spokane car insurance quotes, ask every insurance company which discounts you qualify for. Some of the earlier mentioned discounts may not be available in every state. To see a list of insurers who offer auto insurance discounts in Spokane, click here to view.
Insurance agents can help
Some consumers just want to sit down and talk to an agent and doing so can bring peace of mind Professional insurance agents can help determine the best coverages and help submit paperwork. One of the benefits of getting online price quotes is the fact that drivers can get the lowest rates and still choose a local agent.
To make it easy to find an agent, after completing this short form, your insurance data is immediately sent to insurance agents in Spokane who will return price quotes for your coverage. It makes it easy because there is no need to find an agent on your own as quotes are delivered immediately to your email address. If you need to get a rate quote from a specific company, you would need to visit that company's website and fill out the quote form the provide.
Picking a company needs to be determined by more than just a cheap price. These questions are important to ask:
- Does the agent help file claims?
- Does the company have a local claim office in Spokane?
- What is the financial rating for the quoted company?
- Do they carry Errors and Omissions coverage?
- Is coverage determined by price?
Which policy gives me the best coverage?
When it comes to buying a policy for your vehicles, there is no best way to insure your cars. Every situation is different.
For example, these questions may help highlight if you could use an agent's help.
- How high should my uninsured/underinsured coverage be in Washington?
- Am I insured when driving a different vehicle?
- Should I carry comprehensive and collision coverage?
- Can I get a multi-policy discount for packaging my home and auto coverage?
- Can my babysitter drive my car?
- How much liability coverage do I need in Washington?
If you don't know the answers to these questions then you might want to talk to a licensed agent. To find an agent in your area, fill out this quick form. It only takes a few minutes and can provide invaluable advice.
Cheap car insurance rates are out there
As you go through the steps to switch your coverage, it's a bad idea to skimp on coverage in order to save money. There are many occasions where someone sacrificed comprehensive coverage or liability limits and discovered at claim time they didn't purchase enough coverage. Your strategy should be to purchase a proper amount of coverage at the best possible price while not skimping on critical coverages.
Consumers leave their current company for a variety of reasons including unfair underwriting practices, poor customer service, policy non-renewal or even high rates after DUI convictions. It doesn't matter what your reason, switching car insurance companies is not as hard as you think.
In this article, we presented some good ideas how to find cheaper Toyota Camry insurance in Spokane. The key thing to remember is the more rate quotes you have, the more likely it is that you will get a better rate. Consumers may even find the biggest savings come from some of the lesser-known companies.
- Warning systems don't curb driver distraction (Insurance Institute for Highway Safety)
- What is the Best Cheap Auto Insurance in Auburn, WA? (FAQ)
- Which Company has the Cheapest Auto Insurance in Lacey, Washington? (FAQ)
- What is the Best Car Insurance in Vancouver, Washington? (FAQ)
- Who Has Affordable Auto Insurance for Real Estate Agents in Washington? (FAQ)
- Can I Drive Legally without Insurance? (Insurance Information Institute)
- Collision Coverage (Liberty Mutual)
- Should I Buy a New or Used Car? (Allstate)