Do you need a fast way to compare cheaper Toyota Camry insurance in Tucson? Trying to find the cheapest insurance for your Toyota Camry in Arizona can be an all-consuming task, but you can learn our auto insurance buying tips to find lower rates. There are more efficient ways to compare auto insurance rates and you need to know the proper way to price shop coverage for your Toyota and find the cheapest rates from both online companies and Tucson agents.
Consumers need to compare rates on a regular basis because insurance prices are constantly changing. Even if you think you had the lowest rates on Toyota Camry insurance in Tucson on your last policy there may be better deals available now. There is a lot of wrong information about Camry insurance on the web, but in just a couple of minutes you can learn some good information on how to reduce your auto insurance bill.
Car insurance providers offering cheap prices in Arizona
The car insurance companies shown below provide price quotes in Arizona. If multiple companies are listed, it’s highly recommended you visit as many as you can to get the most competitive price.
Auto insurance analysis for a Toyota Camry
The price information shown next covers a range of policy rates for Toyota Camry models. Knowing how auto insurance prices are determined can help guide drivers when making decisions on the best policy coverages.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Camry LE | $162 | $308 | $338 | $20 | $102 | $930 | $78 |
| Camry SE | $162 | $364 | $338 | $20 | $102 | $986 | $82 |
| Camry XLE | $162 | $364 | $338 | $20 | $102 | $986 | $82 |
| Camry Hybrid | $182 | $364 | $382 | $22 | $114 | $1,064 | $89 |
| Get Your Own Custom Quote Go | |||||||
Table data assumes single female driver age 50, no speeding tickets, no at-fault accidents, $500 deductibles, and Arizona minimum liability limits. Discounts applied include claim-free, multi-vehicle, multi-policy, homeowner, and safe-driver. Rate information does not factor in specific location information which can raise or lower prices significantly.
Full coverage rates vs. liability-only
The information below illustrates the difference between Toyota Camry insurance costs with full physical damage coverage and with liability coverage only. The premium estimates are based on no claims or violations, $500 deductibles, single marital status, and no discounts are factored in.
When to stop buying full coverage
There is no exact formula of when to eliminate physical damage coverage, but there is a general guideline you can use. If the yearly cost of full coverage is more than about 10% of any settlement you would receive from your insurance company, then it might be time to buy liability only.
For example, let’s pretend your Toyota Camry settlement value is $5,000 and you have $1,000 full coverage deductibles. If your vehicle is totaled, the most your company will settle for is $4,000 after the deductible is paid. If you are paying over $400 a year to have full coverage, then it might be time to buy liability only.
There are some situations where removing full coverage is not in your best interest. If you have an outstanding loan on your vehicle, you are required to maintain full coverage in order to prevent the bank from purchasing higher-priced coverage. Also, if you don’t have enough money to buy a different vehicle in case of an accident, you should not eliminate full coverage.
How do Insurance Companies Determine Toyota Camry Insurance Prices?
Lots of things are part of the calculation when quoting car insurance. Some are obvious such as your driving history, but other factors are less apparent such as your marital status or how safe your car is. Consumers need to have an understanding of some of the factors that help determine your policy premiums. If you understand what positively or negatively impacts your premiums, this allows you to make educated decisions that may reward you with big savings.
Alarm systems lowers prices – Driving a car with anti-theft technology or alarm system can save you a little every year. Theft prevention features like OnStar found on GM vehicles, advanced tracking like LoJack, and vehicle immobilization systems all aid in stopping car theft.
A good credit rating can save money – Credit score can be a huge factor in determining premium rates. Therefore, if your credit score can use some improvement, you may save money insuring your Toyota Camry by taking the time to improve your credit score. Drivers who have excellent credit scores tend to be better risks to insure than those with poor credit.
What’s your car’s IIHS safety rating? – Cars with five star safety ratings are cheaper to insure. Vehicles engineered for safety help reduce the chance of injuries in an accident and any reduction in injury severity means lower claim amounts passed on to you as lower rates. If your Toyota Camry has ratings of a minimum an “acceptable” rating on the Insurance Institute for Highway Safety website you may be receiving a better rate.
High comp and collision deductibles reduce costs – Physical damage protection, termed comprehensive and collision coverage on your policy, helps pay for damage to your vehicle. Examples of covered claims could be a broken windshield, flood damage, and rolling your vehicle. The deductibles are the amount of money you are willing to pay out-of-pocket in the event of a claim. The more damage repair cost the insured has to pay upfront, the less money you will pay for auto insurance.
Gender is a factor – Statistics have proven that females tend to be a little less risky than males. However, this does not mean women are better drivers. Men and women tend to get into fender benders at about the same rate, but males tend to have higher claims. Not only are claims higher, but men get higher numbers of serious violations like DUI and reckless driving.
The information below compares Toyota Camry insurance premiums for male and female drivers. The premiums are based on no violations or accidents, comp and collision included, $1,000 deductibles, single status, and no additional discounts are factored in.
What type of car, truck or SUV do you drive? – The make and model of the vehicle you need to insure makes a significant difference in the rate you pay. Smaller low performance passenger vehicles usually have the lowest rates, but the final cost of insurance is determined by many other factors.
The next chart assumes a married female driver age 30, full coverage with $250 deductibles, and no discounts or violations. The data compares Toyota Camry rates compared to other models of vehicles that have a range of performance rating factors.
Do you really need the extra coverages? – There are many extra add-on coverages you can purchase if you don’t pay attention. Add-on coverages like rental car reimbursement, accidental death, and membership fees are examples of these. They may seem good when talking to your agent, but if they’re wasting money think about removing them and cutting costs.
The more you drive the more you pay – The more you drive your Toyota each year the more you will pay for auto insurance. Most insurance companies apply a rate based upon how the vehicle is primarily used. Vehicles not used for work or commuting can be on a lower rate level than those that get driven frequently. Ask your agent if your declarations sheet shows the correct driver usage. An improperly rated Camry is just wasting money.
Toyota Camry claim statistics – Insurers analyze past claim statistics to calculate a rate that will offset losses. Models that the data shows to have high amounts or severity of claims will cost more for specific coverages. The table below outlines the collected loss data for Toyota Camry vehicles.
For each type of coverage, the statistical loss for all vehicles, regardless of make, model or trim level, is a value of 100. Percentages below 100 suggest losses that are better than average, while values over 100 indicate higher probability of having a loss or an increased likelihood of larger losses.
| Vehicle Make and 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
Cheaper rates by taking advantage of discounts
Buying insurance is not cheap, but you can get discounts that can help lower your rates. Many discounts should be triggered when you quote, but less common discounts must be requested specifically prior to receiving the credit. If you aren’t receiving every discount possible, you may be paying too high a price.
- Good Students Pay Less – Maintaining excellent grades can be rewarded with saving of up to 25%. Many companies even apply the discount to college students up until you turn 25.
- Own a Home – Owning a home in Tucson may earn you a small savings because it requires personal responsibility.
- Onboard Data Collection – Insureds that choose to allow their company to monitor vehicle usage by using a telematics device in their vehicle such as Progressive’s Snapshot may get a rate reduction as long as they are good drivers.
- Claim-Free Discount – Drivers who don’t have accidents pay much less as opposed to drivers with a long claim history.
- Discounts for Federal Employees – Simply working for the federal government may qualify for a discount when you quote Tucson auto insurance but check with your company.
- Early Signing – Select insurance companies give a discount for switching policies prior to the expiration date on your current Camry insurance policy. You may see this discount when you get Tucson auto insurance quotes online.
As is typical with insurance, some credits don’t apply to the overall cost of the policy. Most cut the cost of specific coverages such as physical damage coverage or medical payments. So even though they make it sound like it’s possible to get free car insurance, you aren’t that lucky.
The example below shows the comparison of Toyota Camry premium costs with and without discounts. The information is based on a female driver, no violations or claims, Arizona state minimum liability limits, comprehensive and collision coverage, and $1,000 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with marriage, claim-free, safe-driver, multi-car, homeowner, and multi-policy discounts applied.
A few popular companies and some of their more popular discounts include:
- AAA offers discounts for multi-policy, good student, anti-theft, education and occupation, pay-in-full, and good driver.
- Progressive may have discounts that include homeowner, online signing, multi-vehicle, online quote discount, multi-policy, and continuous coverage.
- State Farm has savings for good student, good driver, defensive driving training, Steer Clear safe driver discount, multiple autos, passive restraint, and accident-free.
- Esurance may offer discounts for paid-in-full, anti-theft, multi-policy, Pac-12 alumni, and defensive driver.
- Nationwide policyholders can earn discounts including family plan, Farm Bureau membership, accident-free, multi-policy, anti-theft, good student, and defensive driving.
If you need cheaper Tucson auto insurance quotes, ask each company what discounts are available to you. Some discounts listed above might not apply in your state. To see a list of insurance companies that offer the discounts shown above in Tucson, click this link.
Local Tucson insurance agencies
A lot of people still like to go talk to an agent and that is recommended in a lot of cases Agents are trained risk managers and help submit paperwork. One of the benefits of price shopping on the web is the fact that drivers can get the lowest rates but also keep your business local.
Upon completion of this form (opens in new window), your coverage information is sent to companies in Tucson who will give you bids for your business. There is no need to search for an agent due to the fact that quote results will go to you instantly. In the event you want to quote rates for a specific company, don’t hesitate to navigate to their website and fill out the quote form the provide.
Finding the right insurance company requires more thought than just the premium amount. Get answers to these questions too.
- Is vehicle damage repaired with OEM or aftermarket parts?
- Is the quote a firm price?
- How many companies do they write for?
- Do they reduce claim amounts on high mileage vehicles?
- Who are their largest clients?
- Is working in the agency their full-time job?
- Is the agent properly licensed in Arizona?
Pick the best auto insurance agent in Tucson for you
If you want a local agent, it’s helpful to know the different types of agencies that you can choose from. Car insurance agencies may be either independent or exclusive. Both properly insure your vehicles, but it’s worth mentioning the differences because it can impact which agent you choose.
Exclusive Agents
Agents that elect to be exclusive generally can only insure with one company like Farmers Insurance, State Farm, Allstate, and AAA. Exclusive agents cannot provide prices from multiple companies so they have no alternatives for high prices. These agents are very knowledgeable in insurance sales which can be an advantage. A lot of people use the same agent partially due to the prominence of the brand and the convenience of having a single billing for all their coverages.
Shown below is a list of exclusive agents in Tucson who can help you get price quote information.
- Rebecca Sanford – State Farm Insurance Agent
5605 E River Rd #211 – Tucson, AZ 85750 – (520) 615-0800 – View Map - Paul Heiser – State Farm Insurance Agent
2654 N Campbell Ave – Tucson, AZ 85719 – (520) 327-7884 – View Map - American Family Insurance – Kristi Frank Agency Inc.
4319 E Broadway Blvd – Tucson, AZ 85711 – (520) 323-0017 – View Map
Independent Car Insurance Agents
Independent insurance agents are appointed with more than one company so they have the ability to put coverage with a variety of different insurance companies and get you the best rates possible. If you want to switch companies, the business is moved internally which is easy for the insured. When comparing rates, it’s a good idea to compare quotes from at a minimum one independent agency in order to compare the most rates. They often place coverage with additional companies that you may not be familiar with that many times have cheaper rates.
The following is a short list of independent agents in Tucson willing to provide comparison quotes.
- RightSure Insurance Group
5151 E Broadway Blvd #120 – Tucson, AZ 85711 – (520) 901-7010 – View Map - AZ Insurance Center
8880 E Speedway Blvd #101 – Tucson, AZ 85710 – (520) 722-0665 – View Map - Oasis Insurance
405 E Wetmore Rd g115 – Tucson, AZ 85705 – (520) 888-5000 – View Map
Affordable car insurance premiums are out there
In this article, we presented many ideas to lower your Toyota Camry insurance premium rates in Tucson. The key thing to remember is the more quotes you get, the more likely it is that you will get a better rate. You may even be surprised to find that the best premium rates are with a lesser-known regional company.
Insureds switch companies for any number of reasons including policy non-renewal, denial of a claim, poor customer service or even unfair underwriting practices. It doesn’t matter why you want to switch finding a new car insurance company can be pretty painless.
As you quote Tucson auto insurance, it’s a bad idea to skimp on critical coverages to save a buck or two. In many instances, an insured dropped uninsured motorist or liability limits and found out when filing a claim that the small savings ended up costing them much more. Your goal should be to buy enough coverage at the best possible price, not the least amount of coverage.
Steps to finding more affordable Toyota Camry insurance in Tucson
The most effective way to find more affordable auto insurance rates in Tucson is to start comparing prices yearly from companies who sell auto insurance in Arizona.
- First, take a few minutes and learn about individual coverages and the things you can change to lower rates. Many policy risk factors that drive up the price such as traffic violations, accidents, and poor credit history can be improved by improving your driving habits or financial responsibility.
- Second, quote rates from independent agents, exclusive agents, and direct companies. Exclusive agents and direct companies can only give rate quotes from a single company like Progressive and State Farm, while independent agents can give you price quotes for a wide range of companies.
- Third, compare the new rates to the price on your current policy to see if a cheaper rate is available in Tucson. If you find a lower rate quote, make sure coverage is continuous and does not lapse.
- Fourth, provide notification to your current agent or company of your intent to cancel your current coverage. Submit any necessary down payment along with the completed application to the new company. Be sure to place the new certificate verifying proof of insurance in a readily accessible location in your vehicle.
An important note is that you use similar coverage information on each price quote and and to get rate quotes from as many companies as possible. Doing this enables a fair rate comparison and many rates to choose from.
Even more information is located in the articles below:
- Front crash protection reduces rear-end crashes (Insurance Institute for Highway Safety)
- How Much are Auto Insurance Quotes for a Nissan Versa in Tucson? (FAQ)
- Who Has the Cheapest Auto Insurance Rates for Drivers Under 21 in Tucson? (FAQ)
- Who Has the Cheapest Auto Insurance Rates for Low Credit Scores in Tucson? (FAQ)
- Who Has Cheap Auto Insurance for Business Use in Tucson? (FAQ)
- Who Has the Cheapest Tucson Car Insurance for Lyft Drivers? (FAQ)
- Auto Insurance for Teen Drivers (Insurance Information Institute)
- State Laws for Cellphones and Texting (iihs.org)
- Reducing Your Risks in a Car Crash Video (iihs.org)