Cheapest 1991 Toyota Camry Insurance Rates in 2024

Have you had enough of trying to scrape together enough money each month for car insurance? You are in the same boat as many other drivers. You have so many insurance companies to purchase coverage from, and although it’s nice to have a choice, too many choices makes it more difficult to compare rates.

The most recommended method to compare policy rates takes advantage of the fact most larger insurance companies have advanced systems to give rate comparisons. To get started, all you need to do is provide information like driver ages, marital status, any included safety features, and whether or not you need a SR-22. Your rating data is instantly submitted to multiple auto insurance providers and you receive quotes within a short period of time.

Don’t pay full price with these discounts

Insuring your fleet can be pricey, but there are discounts available that can drop the cost substantially. Some discounts apply automatically at the time of quoting, but less common discounts must be asked about before being credited. If they aren’t giving you every credit you deserve, you’re just leaving money on the table.

• Life Insurance – Some companies give lower rates if you buy a life insurance policy as well.
• Service Members Pay Less – Having a family member in the military could mean lower rates.
• Own a Home – Owning a house may earn you a small savings due to the fact that maintaining a home is proof that your finances are in order.
• One Accident Forgiven – Some insurance companies will allow you to have one accident without raising rates if you are claim-free prior to the accident.
• Paperless Signup – A handful of insurance companies will give a small break for buying a policy and signing up on their website.
• Clubs and Organizations – Belonging to a civic or occupational organization is a good way to get lower rates on insurance for Camry insurance.
• Passive Restraint Discount – Factory air bags or motorized seat belts can qualify for discounts of up to 25% or more.
• Pay Upfront and Save – By paying your policy upfront rather than paying monthly you can actually save on your bill.
• Discount for Switching Early – Some companies give discounts for switching policies before your current expiration date. The savings is around 10%.
• Resident Student – Youth drivers who are attending college without a vehicle on campus can receive lower rates.

As a disclaimer on discounts, most of the big mark downs will not be given to the overall cost of the policy. The majority will only reduce specific coverage prices like liability, collision or medical payments. So when the math indicates it’s possible to get free car insurance, it just doesn’t work that way. Any qualifying discounts will help reduce your premiums.

To see a list of insurance companies with the best insurance discounts, click here to view.

Toyota Camry insurance rates can be determined by these details

An important part of buying insurance is that you know the different types of things that come into play when calculating insurance coverage rates. Knowing what impacts premium levels enables informed choices that could result in better insurance coverage rates.

• Traffic violations increase rates – Drivers with clean records get better rates than people who have multiple driving citations. Even one ticket may increase your cost by as much as thirty percent. Drivers who have severe citations such as hit and run, DWI or reckless driving convictions may need to submit a SR-22 or proof of financial responsibility with their state motor vehicle department in order to drive a vehicle legally.
• Policy add-ons can waste money – There are a ton of add-on coverages that you can buy if you aren’t careful. Things like personal injury protection, towing coverage and motor club memberships are some examples. These coverages may sound good when you first buy your policy, but if you don’t need them remove them from your policy.
• Older drivers pay less – Older drivers tend to be more responsible, file fewer claims and get fewer tickets. Teen drivers are known to get distracted easily behind the wheel and because of this, their insurance coverage rates are much higher.
• Being married is a good thing – Being married can actually save you money when buying insurance coverage. Having a spouse is viewed as being more mature and responsible and it’s statistically proven that drivers who are married are more cautious.
• Never let your coverage lapse – Letting your insurance expire is a fast way to increase your insurance coverage rates. Not only will you pay more, getting caught without coverage can result in a license revocation or jail time. Then you may be required to file a SR-22 with your state department of motor vehicles.

Your personal situation dictates your coverage

When buying proper insurance coverage, there isn’t really a one size fits all plan. Every situation is different so your insurance should reflect that For instance, these questions might point out if your situation might need an agent’s assistance.

• Is business equipment covered while in my vehicle?
• How does medical payments coverage work?
• Is my camper covered by my car insurance policy?
• I don’t drive much so do I pay less?
• Does my insurance cover a custom paint job?
• Am I getting all the discounts available?

If it’s difficult to answer those questions but you think they might apply to your situation, you might consider talking to a licensed insurance agent. To find an agent in your area, simply complete this short form or you can go here for a list of companies in your area. It’s fast, doesn’t cost anything and can provide invaluable advice.

Auto insurance coverage considerations

Understanding the coverages of a auto insurance policy helps when choosing which coverages you need and the correct deductibles and limits. The coverage terms in a policy can be ambiguous and coverage can change by endorsement. Below you’ll find the normal coverages available from auto insurance companies.

Liability auto insurance – Liability coverage protects you from injuries or damage you cause to other’s property or people. It protects YOU against other people’s claims, and doesn’t cover your own vehicle damage or injuries.

Liability coverage has three limits: bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You commonly see policy limits of 100/300/100 that means you have $100,000 in coverage for each person’s injuries, $300,000 for the entire accident, and a limit of $100,000 paid for damaged property. Some companies may use one limit called combined single limit (CSL) which combines the three limits into one amount and claims can be made without the split limit restrictions.

Liability coverage pays for claims such as structural damage, court costs, funeral expenses, bail bonds and legal defense fees. How much liability coverage do you need? That is a personal decision, but consider buying as high a limit as you can afford.

Medical payments coverage and PIP – Coverage for medical payments and/or PIP provide coverage for short-term medical expenses for X-ray expenses, ambulance fees and funeral costs. They are used in conjunction with a health insurance policy or if you lack health insurance entirely. Coverage applies to both the driver and occupants and will also cover getting struck while a pedestrian. PIP is not available in all states but it provides additional coverages not offered by medical payments coverage

Uninsured/Underinsured Motorist coverage – Your UM/UIM coverage gives you protection when the “other guys” are uninsured or don’t have enough coverage. Covered claims include injuries to you and your family and damage to your Toyota Camry.

Because many people only purchase the least amount of liability that is required, their limits can quickly be used up. That’s why carrying high Uninsured/Underinsured Motorist coverage should not be overlooked. Most of the time these coverages are similar to your liability insurance amounts.

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 insurance covers claims like vandalism, hitting a bird, damage from a tornado or hurricane, theft and rock chips in glass. The highest amount you can receive from a comprehensive claim is the cash value of the vehicle, so if the vehicle’s value is low it’s probably time to drop comprehensive insurance.

Collision coverages – This pays for damage to your Camry caused by collision with another car or object. You will need to pay your deductible and the rest of the damage will be paid by collision coverage.

Collision insurance covers things like hitting a parking meter, sustaining damage from a pot hole, sideswiping another vehicle, colliding with another moving vehicle and damaging your car on a curb. Collision is rather expensive coverage, so consider removing coverage from vehicles that are older. You can also bump up the deductible to save money on collision insurance.

Be a money saver!

In this article, we covered some good ideas how you can compare 1991 Toyota Camry insurance prices online. The key thing to remember is the more price quotes you have, the better chance you’ll have of finding lower rates. Drivers may discover the lowest rates come from a smaller regional carrier. These smaller insurers can often insure niche markets at a lower cost as compared to the big name companies such as Allstate, GEICO and Progressive.

Cheaper insurance is definitely available both online and also from your neighborhood agents, so you should compare both to get a complete price analysis. Some insurance companies may not provide you the ability to get quotes online and many times these small, regional companies only sell through independent insurance agents.

Even more information is located by following these links:

• Property Damage Coverage (Liberty Mutual)
• Should I Purchase an Umbrella Liability Policy? (Insurance Information Institute)
• Rollover Crash FAQ (iihs.org)
• Car Insurance: When not to Skimp (BankRate.com)
• Where can I buy Insurance? (Insurance Information Institute)
• Teen Driving Statistics (GEICO)