Insurance for Toyota CamryHow long has it been since you compared the cheapest Toyota Camry insurance in San Jose? Finding better insurance prices for your Toyota Camry in California can be a lot of work, but you can learn these tips to find lower rates.

There are more efficient ways to compare car insurance rates and we'll show you the proper way to get price quotes for a Toyota and find the lowest price from both online companies and San Jose agents.

All the larger insurance companies give pricing online. This process is easy for anyone as you just enter your coverage preferences as detailed in the form. After the form is submitted, the quote system orders your driving and credit reports and returns pricing information based on many factors.

This streamlines rate comparisons, and it's necessary to compare as many rates as possible in order to find the best rate on insurance.

To quickly compare rates now, compare rates now from the companies shown below. If you have coverage now, it's recommended you complete the form with the limits and deductibles exactly as shown on your declarations page. Doing this assures you will get an apples-to-apples comparison based on identical coverages.

The auto insurance companies shown below are ready to provide free rate quotes in San Jose, CA. To get cheap car insurance in California, we recommend you visit as many as you can in order to get a fair rate comparison.

Toyota Camry Insurance Rate Estimates in San Jose, CA
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Camry LE $434 $686 $578 $34 $174 $1,906 $159
Camry SE $270 $536 $450 $26 $134 $1,416 $118
Camry XLE $292 $672 $416 $24 $124 $1,528 $127
Camry Hybrid $186 $362 $480 $28 $144 $1,200 $100
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Data rating is based on married male driver age 50, no speeding tickets, no at-fault accidents, $1,000 deductibles, and California minimum liability limits. Discounts applied include safe-driver, multi-vehicle, homeowner, claim-free, and multi-policy. Price estimates do not factor in garaging location in San Jose which can alter coverage prices substantially.

Policy deductible comparison

When shopping for car insurance, a common question is how high should the physical damage deductibles be. The data tables below summarize how much more you'll pay when you choose different physical damage deductibles. The first data table uses a $250 physical damage coverage deductible and the second price table uses a $500 deductible.

Toyota Camry insurance premium rates with $250 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Camry LE $342 $576 $442 $26 $132 $1,543 $129
Camry SE $342 $678 $442 $26 $132 $1,645 $137
Camry XLE $342 $678 $442 $26 $132 $1,645 $137
Camry Hybrid $386 $678 $500 $30 $150 $1,769 $147
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Toyota Camry insurance premium rates with $500 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Camry LE $278 $464 $442 $26 $132 $1,342 $112
Camry SE $278 $546 $442 $26 $132 $1,424 $119
Camry XLE $278 $546 $442 $26 $132 $1,424 $119
Camry Hybrid $314 $546 $500 $30 $150 $1,540 $128
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Price data assumes married male driver age 30, no speeding tickets, no at-fault accidents, and California minimum liability limits. Discounts applied include homeowner, safe-driver, multi-vehicle, claim-free, and multi-policy. Premium costs do not factor in specific zip code location which can increase or decrease price quotes noticeably.

Based on this data, we can arrive at the conclusion that using a $250 deductible will cost you about $18 more each month or $216 each year than buying the higher $500 deductible. Due to the fact that you would have to pay $250 more if you file a claim with a $500 deductible as compared to a $250 deductible, if you have at a minimum 14 months between claims, you would probably be better off by selecting a higher deductible. The numbers below show how you can make your own decision.

Average monthly premium for $250 deductibles: $138
Average monthly premium for $500 deductibles (subtract): - $120
Monthly savings from raising deductible: $18
Difference between deductibles ($500 - $250): $250
Divide difference by monthly savings: $250 / $18
Number of months required between physical damage coverage claims in order to save money by choosing the higher deductible 14 months

Choosing Toyota Camry insurance is an important decision

Despite the high cost of buying insurance for a Toyota Camry in San Jose, insurance serves several important purposes.

The benefits of buying insurance are definitely more than the cost, specifically if you ever have a liability claim. Despite what companies tell you, the average driver overpays more than $830 a year so compare rate quotes every year to ensure rates are competitive.

Smart Consumers Know How to Get Insurance for Less

Smart consumers have a good feel for some of the elements that help determine your policy premiums. If you understand what determines base rates, this allows you to make good choices that may reward you with lower rates. Lots of things are used when quoting car insurance. Some are pretty understandable such as your driving history, but others are more transparent such as whether you are married or your vehicle rating.

Don't cancel your coverage without a new one in place - Allowing your insurance policy to lapse will be a guaranteed way to increase your renewal premiums. And not only will insurance be more expensive, failure to provide proof of insurance may result in a hefty fine and possibly a revoked license.

Cheaper rates with high deductibles - Comprehensive and collision coverage deductibles define the amount you are willing to pay before your insurance pays a claim. Insurance for physical damage to your car, also known as collision and other-than-collision, is used to repair damage to your car. Some examples of covered claims would be collision with another vehicle, hail damage, and damage caused by road hazards. The higher the amount you are required to pay out-of-pocket, the less money you will pay for insurance.

Rural vs Urban Areas - Living in smaller towns and rural areas of the country may provide you with better prices when shopping for auto insurance. People in densely populated areas have more traffic problems and more time behind the wheel. Fewer people corresponds to lower accident rates and also fewer theft and vandalism claims.

Your gender affects premiums - Over the last 30 years, statistics show that females tend to be a little less risky than males. That doesn't necessarily mean that males are worse at driving than females. Females and males get in accidents at about the same rate, but the men cause more damage. In addition to higher claims, males also get cited for more serious violations like driving under the influence (DUI).

Being married can lower costs - Your spouse may save some money when buying insurance. Having a spouse demonstrates that you tend to be less irresponsible and insurance companies reward insureds because married drivers get in fewer accidents.

How credit rating affects insurance costs - Credit rating factor in determining what you pay. So if your credit history could use some work, you could potentially save money when insuring your Toyota Camry if you clean up your credit. Drivers with high credit scores tend to be better drivers and file fewer claims as compared to drivers with lower credit scores.

Toyota Camry claim probability - Insurers analyze claim trends for every vehicle to help calculate premium costs. Vehicles that have higher number or severity of losses will cost more to insure. The information below illustrates the loss history for Toyota Camry vehicles.

For each coverage category, the claim probability for all vehicles, regardless of manufacturer or model, is equal to 100. Values below 100 indicate better than average losses, while percentage numbers above 100 indicate more frequent losses or an increased likelihood of larger losses.

Toyota Camry Insurance Claim Statistics

Specific Toyota Model Collision Property Damage Comp Personal Injury Medical Payment Bodily Injury
Toyota Camry 110 94 102 148 145 107
Toyota Camry Hybrid 124 100 110 118 127 96

Statistics Source: Insurance Institute for Highway Safety for 2013-2015 Model Years

Get cheaper Toyota Camry insurance in San Jose with discounts

Some insurance providers don't always list all possible discounts in an easy-to-find place, so here is a list a few of the more well known as well as the least known ways to save on auto insurance.Auto insurance discounts

Discounts reduce rates, but you should keep in mind that some credits don't apply to your bottom line cost. The majority will only reduce specific coverage prices like liability and collision coverage. If you do the math and it seems like all the discounts add up to a free policy, company stockholders wouldn't be very happy.

Car insurance companies that have most of the discounts above include:

Before you buy a policy, ask each company or agent the best way to save money. Savings might not be offered in every state. To see companies with the best Toyota Camry insurance discounts in California, click this link.

Comparing rates from local San Jose insurance agencies

Many drivers would prefer to get professional advice from a licensed agent and that is just fine! Most agents are trained to spot inefficiencies and give you someone to call. A good thing about comparing rate quotes online is that you can find lower rates and still choose a local agent. Buying insurance from neighborhood agents is still important in San Jose.

Insurance agents in San JoseFor easy comparison, once you complete this form (opens in new window), your insurance coverage information gets sent to companies in San Jose that give free quotes for your insurance coverage. There is no reason to find an agent on your own due to the fact that quote results will go instantly to you. If you wish to get a comparison quote for a specific company, don't hesitate to search and find their rate quote page to submit a rate quote request.

When finding a good insurance agency, it helps to know the two different types of agencies and how they are distinctly different. Agents may be either independent agents or exclusive agents depending on their employer. Both types of agents can sell car insurance policies, but it is a good idea to know why they differ because it can impact which agent you choose.

Independent Car Insurance Agencies or Brokers

Independent agents often have affiliation with several companies so they can quote policies with multiple insurance companies and possibly get better coverage at lower prices. If you are not satisfied with one company, the agent simply finds a different carrier without you having to go to a different agency. If you are comparing car insurance prices, you will definitely want to get several quotes from several independent agencies to get the most accurate price comparison. Most have the option of insuring with small regional insurance companies which could offer lower prices.

Below are San Jose independent insurance agencies that may be able to give pricing information.

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Exclusive Agencies

Exclusive agencies can usually just insure with one company like Allstate, Farmers Insurance, State Farm, and AAA. They generally cannot give you multiple price quotes so always compare other rates. Exclusive agencies are well schooled on their company's products and that can be a competitive advantage. Many people buy insurance from these agents mostly because of high brand loyalty and the convenience of having all coverages with one company.

The following is a list of exclusive insurance agents in San Jose willing to provide price quote information.

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Deciding on an insurance agent should include more criteria than just a cheap price. Before buying a policy in San Jose, get answers to these questions.

Once you have good answers to your questions as well as an affordable premium quote, most likely you have located an insurance agent that can be trusted to properly insure your vehicles. Just keep in mind once you purchase a policy you can terminate your policy whenever you choose to so never assume that you're stuck with any specific company for a certain time period.

Compare but don't skimp

More affordable car insurance in San Jose can be sourced on the web as well as from independent agents in San Jose, and you need to comparison shop both in order to have the best price selection to choose from. Some companies may not have online rate quotes and many times these small insurance companies only sell through local independent agents.

As you restructure your insurance plan, you should never reduce needed coverages to save money. Too many times, an insured dropped liability coverage limits only to regret at claim time that the savings was not a smart move. Your objective should be to buy the best coverage you can find for the lowest price while still protecting your assets.

Consumers change insurance companies for a number of reasons such as high rates after DUI convictions, poor customer service, questionable increases in premium or even denial of a claim. It doesn't matter what your reason, finding a new company can be easy and end up saving you some money.

Additional car insurance information is located at the links below