Toyota Camry Insurance Quotes in Sacramento

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If you want to save money, the best way to get cheaper Toyota Camry insurance is to compare prices annually from insurers who provide auto insurance in Sacramento. Rate comparisons can be done by completing these steps.

First, learn about how insurance companies determine prices and the things you can change to keep rates low. Many rating factors that cause high rates such as distracted driving and a negative credit history can be remedied by making minor changes to your lifestyle. This article provides more ideas to lower rates and get additional discounts that may have been overlooked.

Second, request price quotes from direct carriers, independent agents, and exclusive agents. Exclusive and direct companies can only give prices from one company like Progressive or State Farm, while independent agents can give you price quotes from many different companies.

Third, compare the new quotes to your existing rates and see if you can save money. If you find a lower rate, verify that coverage does not lapse between policies.

Fourth, notify your agent or company of your intent to cancel your current auto insurance policy and submit a down payment and signed policy application to your new insurance company. Be sure to keep the new certificate verifying proof of insurance with your registration paperwork.

The most important part of shopping around is to use identical limits and deductibles on each quote and and to get quotes from as many car insurance companies as possible. This ensures an accurate price comparison and a complete price analysis.

Insurance rates Toyota Camry in SacramentoStatistics show that most drivers in California kept their policy with the same company for a minimum of four years, and almost 40% of drivers have never shopped around. U.S. drivers could save themselves about 47% a year just by comparing rates, but they just assume it takes a lot of time to find lower-cost rates by getting comparison quotes.

To find more affordable prices, there are a couple of ways of comparing rate quotes from local Sacramento car insurance companies. The fastest way to compare Toyota Camry insurance prices is to get quotes online.

Comparing quotes online is fast and free, and it makes it obsolete to make phone calls or go to insurance agents' offices. Buying insurance online has reduced the need for local agents unless your situation requires the trained advice of a local agency. Drivers can get prices online but buy from a local insurance agent.

Just keep in mind that making a lot of price comparisons helps locate the best offered rates. Not every company provides online price quotes, so it's recommended that you also compare quotes from the smaller companies as well.

The following companies have been selected to offer comparison quotes in California. If multiple companies are listed, we recommend you get rate quotes from several of them to find the most competitive auto insurance rates.

Coverage information

The premium information below showcases estimates of rate quotes for Toyota Camry models. Having a better understanding of how insurance quotes are calculated is important for making smart choices when purchasing an auto insurance policy.

Toyota Camry Insurance Rates in Sacramento, CA
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Camry LE $296 $584 $424 $26 $126 $1,456 $121
Camry SE $296 $688 $424 $26 $126 $1,560 $130
Camry XLE $296 $688 $424 $26 $126 $1,560 $130
Camry Hybrid $334 $688 $480 $28 $144 $1,674 $140
Get Your Own Custom Quote Go

Data based on married male driver age 50, no speeding tickets, no at-fault accidents, $100 deductibles, and California minimum liability limits. Discounts applied include claim-free, multi-policy, safe-driver, multi-vehicle, and homeowner. Estimates do not factor in the specific area where the vehicle is garaged which can revise coverage prices significantly.

Raise deductibles and save

One of the most common auto insurance questions is how high or low should comp and collision deductibles be. The tables below approximate the differences in price between high and low physical damage deductibles. The first table uses a $100 deductible for physical damage and the second set of prices uses a $500 deductible.

Toyota Camry insurance policy rates with $100 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Camry LE $380 $686 $442 $26 $132 $1,691 $141
Camry SE $380 $810 $442 $26 $132 $1,815 $151
Camry XLE $380 $810 $442 $26 $132 $1,815 $151
Camry Hybrid $430 $810 $500 $30 $150 $1,945 $162
Get Your Own Custom Quote Go
Toyota Camry insurance policy 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
Get Your Own Custom Quote Go

Data based on married male driver age 30, no speeding tickets, no at-fault accidents, and California minimum liability limits. Discounts applied include safe-driver, multi-vehicle, homeowner, claim-free, and multi-policy. Rates do not factor in vehicle location which can alter coverage rates substantially.

We can derive from the above data that using a $100 deductible will cost you about $31 more each month or $372 each year than requesting the higher $500 deductible. Because you would be required to pay $400 more if you turn in a claim with a $500 deductible as compared to a $100 deductible, if you go at a minimum 13 months between claim filings, you would more than likely save some money if you choose the higher deductible.

How to calculate deductible break even point

Average monthly premium for $100 deductibles: $151
Average monthly premium for $500 deductibles (subtract): - $120
Monthly savings from raising deductible: $31
Difference between deductibles ($500 - $100): $400
Divide difference by monthly savings: $400 / $31
Number of months required between physical damage coverage claims in order to save money by choosing the higher deductible 13 months

The chart below demonstrates how deductible levels and can increase or decrease Toyota Camry insurance rates for different age groups. The rates are based on a married male driver, comprehensive and collision coverage, and no policy discounts are applied.

Safe drivers pay less for auto insurance

The information below shows how traffic citations and accident claims can raise Toyota Camry yearly insurance costs for different age groups. The premium estimates are based on a single female driver, full physical damage coverage, $250 deductibles, and no other discounts are factored in.

Auto insurance cost for men versus women

The example below illustrates the difference between Toyota Camry insurance premiums for male and female drivers. Data assumes no claims or violations, comprehensive and collision coverage, $100 deductibles, drivers are not married, and no other discounts are factored in.

Here's why car insurance is not optional

Even though it's not necessarily cheap to insure a Toyota in Sacramento, insurance is not optional due to several reasons.

First, the majority of states have compulsory liability insurance requirements which means you are required to carry specific limits of liability if you don't want to risk a ticket. In California these limits are 15/30/5 which means you must have $15,000 of bodily injury coverage per person, $30,000 of bodily injury coverage per accident, and $5,000 of property damage coverage.

Second, if your vehicle has a lienholder, most banks will make it a condition of the loan that you carry insurance to ensure the loan is repaid in case of a total loss. If you let the policy lapse, the bank may insure your Toyota for a much higher rate and force you to reimburse them for it.

Third, car insurance preserves both your car and your assets. It will also reimburse you for medical transport and hospital expenses for both you and anyone you injure as the result of an accident. One policy coverage, liability insurance, also pays for attorney fees and expenses if you are sued as the result of your driving. If your car is damaged in a storm or accident, comprehensive and collision coverage will pay all costs to repair after the deductible has been paid.

The benefits of carrying adequate insurance definitely exceed the price paid, particularly when you have a large claim. An average driver in America is overpaying over $850 per year so you should quote your policy with other companies once a year at a minimum to be sure current rates are still competitive.

Seven Tips to Get More Affordable Sacramento Insurance Rates

A large part of saving on car insurance is knowing some of the elements that aid in calculating the rates you pay for car insurance. If you know what determines base rates, this enables you to make decisions that can earn you cheaper rates. Lots of factors are used when pricing auto insurance. A few of the factors are predictable like your driving record, but others are more transparent such as whether you are married or your financial responsibility.

  • Your address can push rates up or down - Residing in areas with lower population is a positive aspect when insuring your vehicles. Drivers who live in large cities have to deal with more traffic problems and much longer commute distances. Lower population corresponds to lower accident rates and a lower car theft rate.
  • Lower rates with alarm systems - Buying a car with anti-theft technology or alarm system can help lower your rates. Theft prevention features like LoJack tracking devices, vehicle tamper alarm systems or GM's OnStar system can thwart car theft.
  • Avoid policy lapses - Having an insurance coverage lapse is a fast way to increase your renewal premiums. Not only will rates go up, the inability to provide proof of insurance could earn you a hefty fine and possibly a revoked license. You may need to prove you have insurance by filing a SR-22 with the California motor vehicle department.
  • Combine and save - Lots of insurers allow lower prices to clients who have multiple policies with them in the form of a multi-policy discount. Even if you qualify for this discount already, drivers will still want to comparison shop to make sure you are getting the best deal.
  • Annual mileage and car insurance premiums - The more miles you rack up on your Toyota in a year the more it will cost to insure it. The majority of insurers apply a rate based upon how much you drive. Autos left parked in the garage receive lower rates than vehicles that have high annual mileage. Double check that your car insurance coverage is showing the correct usage. An incorrectly rated Camry may be wasting your money.
  • Driver age impacts prices - Teen drivers in California are statistically proven to be inattentive and easily distracted with other occupants in the car and because of this, their car insurance rates are much higher. Older drivers are viewed as being more responsible, file fewer claims, and receive fewer citations.

    The data below uses these assumptions: single driver, full coverage with $500 deductibles, and no discounts or violations.

  • Safer cars cost less to insure - Vehicles with good safety scores tend to be cheaper to insure. Safe vehicles reduce injuries and lower injury rates means lower claim amounts and cheaper rates on your policy.
  • Insurance losses for a Toyota Camry - Auto insurance companies include the past claim trends for vehicles as a way to help calculate a profitable premium price. Models that historically have higher claim amounts or frequency will be charged more to insure. The table below outlines the actual insurance loss data for Toyota Camry vehicles.

    For each coverage category, the statistical loss for all vehicles, regardless of make or model, is set at 100. Values that are below 100 are indicative of better than average losses, while values that are above 100 indicate more frequent losses 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 110 94 102 148 145 107
    Toyota Camry Hybrid 124 100 110 118 127 96
    BETTER
    AVERAGE
    WORSE

    Statistics from IIHS.org for 2013-2015 Model Years

Cheap Toyota Camry insurance quotes in Sacramento

Companies offering auto insurance don't always list the entire discount list in a way that's easy to find, so we break down some of the best known as well as some of the hidden credits that may apply to you. If you're not getting every credit available, you are not getting the best rate possible.Discount auto insurance

  • Student in College - Older children who are enrolled in higher education away from home and don't have a car could qualify for this discount.
  • Data Collection Discounts - Policyholders that allow driving data collection to scrutinize their driving habits by using a telematics device in their vehicle such as State Farm's In-Drive may get a rate reduction if their driving habits are good.
  • Professional Memberships - Joining qualifying clubs or civic groups could qualify you for a break on your next renewal.
  • Discount for Life Insurance - Some auto insurance companies give a small discount if you purchase some life insurance too.
  • Responsible Driver Discounts - Drivers who avoid accidents may receive a discount up to 45% compared to accident prone drivers.
  • Government Employees - Federal government employees could qualify for a slight premium decrease but check with your company.
  • Sign Online - Many companies will discount your bill up to fifty bucks simply for signing on the web.
  • Senior Citizens - Mature drivers are able to get a small discount on rates.

While discounts sound great, it's important to understand that some credits don't apply to the entire policy premium. Some only apply to the cost of specific coverages such as medical payments or collision. Despite the appearance that you could get a free auto insurance policy, that's just not realistic.

The example below visualizes the comparison of Toyota Camry insurance costs with and without discounts being applied to the rates. The data is based on a male driver, no violations or accidents, California state minimum liability limits, comprehensive and collision coverage, and $100 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with claim-free, multi-policy, safe-driver, marriage, multi-car, and homeowner discounts applied.

The best auto insurance companies and a summarized list of policyholder discounts are:

  • Progressive offers premium reductions for multi-vehicle, online quote discount, multi-policy, online signing, homeowner, good student, and continuous coverage.
  • MetLife may include discounts for good driver, accident-free, claim-free, multi-policy, good student, defensive driver
  • Mercury Insurance may offer discounts for good student, good driver, professional/association, ease of repair, type of vehicle, anti-theft, and annual mileage.
  • Nationwide discounts include Farm Bureau membership, accident-free, multi-policy, business or organization, and family plan.
  • GEICO has savings for daytime running lights, anti-lock brakes, seat belt use, membership and employees, five-year accident-free, and good student.
  • AAA policyholders can earn discounts including multi-policy, education and occupation, anti-theft, good driver, good student, and AAA membership discount.

When getting free Sacramento car insurance quotes, it's a good idea to each insurance company the best way to save money. Some discounts may not apply to policies in Sacramento. To find providers that provide some of the discounts listed above in Sacramento, click this link.

Insurance agent or online?

A small number of people would prefer to buy from a licensed agent and that can be a smart move One of the benefits of getting free rate quotes online is that drivers can save money and get cheaper premium rates and still choose a local agent.

Insurance agency in SacramentoAfter completing this simple form, the quote information is sent to local insurance agents who will give you bids to get your business. You won't even need to search for an agent due to the fact that quote results will go immediately to you. You can most likely find cheaper rates AND an agent nearby. In the event you want to quote rates from a particular provider, you can always navigate to their website to submit a rate quote request.

Finding the right provider should include more criteria than just the price. The answers to these questions are important, too.

  • Are aftermarket or OEM parts used to repair vehicles?
  • Which insurance company do they prefer to write with?
  • Is their price quote a firm figure or are their hidden costs?
  • How does the company pay claims for a total loss?
  • Is the agent CPCU or CIC certified?
  • Will you work with the agent or an assistant?
  • If they are an independent agency in Sacramento, which companies do they recommend?
  • Will the company cover a rental car if your car is getting fixed?

What is the best car insurance company in Sacramento?

Buying coverage from the highest-rated insurance provider can be a challenge considering how many different companies sell coverage in California. The ranking data displayed below could help you analyze which auto insurance companies to look at shopping your coverage with.

Top 10 Sacramento Car Insurance Companies Ranked by Claims Service

  1. AAA of Southern California
  2. State Farm
  3. Esurance
  4. AAA Insurance
  5. Progressive
  6. Liberty Mutual
  7. GEICO
  8. Allstate
  9. Titan Insurance
  10. The Hartford

Top 10 Sacramento Car Insurance Companies Ranked by Customer Satisfaction

  1. Titan Insurance - 95%
  2. USAA - 94%
  3. AAA of Southern California - 92%
  4. AAA Insurance - 91%
  5. Nationwide - 90%
  6. State Farm - 90%
  7. The Hartford - 89%
  8. GEICO - 89%
  9. The General - 88%
  10. 21st Century - 88%

What is YOUR best insurance company?

Cheaper Toyota Camry insurance in Sacramento can be bought on the web as well as from insurance agents, and you need to price shop both to have the best selection. A few companies may not offer online quoting and most of the time these smaller companies sell through independent insurance agents.

In this article, we presented a lot of techniques to compare Toyota Camry insurance premium rates in Sacramento. It's most important to understand that the more companies you get prices for, the better chance you'll have of finding low cost Sacramento car insurance quotes. You may even find the lowest priced auto insurance comes from some of the smallest insurance companies. These smaller insurers may have significantly lower prices on certain market segments as compared to the big name companies such as State Farm and Allstate.

When trying to cut insurance costs, don't be tempted to reduce needed coverages to save money. There are many occasions where drivers have reduced physical damage coverage to discover at claim time they didn't have enough coverage. The proper strategy is to purchase a proper amount of coverage for the lowest price, not the least amount of coverage.

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