Toyota Camry Insurance Quotes in Long Beach

Regrettably, most car insurance customers kept their policy with the same company for four years or more, and almost half have never even compared quotes to find cheaper rates. Most drivers in Long Beach can cut their rates by 35% a year by just comparing rate quotes, but they underestimate the actual amount they would save if they bought a different policy.

The recommended way to get the cheapest Toyota Camry insurance in Long Beach is to compare prices once a year from insurers in California.

First, spend some time learning about how companies price auto insurance and the steps you can take to keep rates down. Many risk factors that drive up the price such as multiple speeding tickets and a less-than-favorable credit score can be rectified by being financially responsible and driving safely.

Second, compare rates from independent agents, exclusive agents, and direct companies. Exclusive agents and direct companies can only give prices from a single company like GEICO or Allstate, while independent agents can provide prices from multiple insurance companies.

Third, compare the new rates to your current policy premium to determine if you can save on Camry insurance in Long Beach. If you find a lower rate, make sure coverage is continuous and does not lapse.

Fourth, tell your current agent or company to cancel your current policy and submit any necessary down payment along with the completed application to the new company. Immediately upon receiving it, keep your new proof of insurance certificate in an accessible location in your vehicle.

A valuable tip to remember is to use identical coverage information on every price quote and and to analyze every insurance company. This provides an apples-to-apples comparison and a better comparison of the market.

Best companies for cheap Toyota Camry insurance in California

The providers in the list below provide price quotes in Long Beach, CA. If your goal is to find cheap auto insurance in CA, it’s highly recommended you compare several of them in order to get a fair rate comparison.

Toyota Camry insurance charts and tables

The premium table below outlines detailed analysis of insurance coverage prices for Toyota Camry models. Learning as much as possible about how premiums are formulated can help drivers make decisions on which coverage to buy.

Table data represents single female driver age 40, no speeding tickets, no at-fault accidents, $500 deductibles, and California minimum liability limits. Discounts applied include claim-free, safe-driver, homeowner, multi-policy, and multi-vehicle. Premium costs do not factor in vehicle garaging location which can influence premiums noticeably.

Higher deductibles lower rates

When buying insurance, a common question is which deductible level should you buy. The data tables below determine the premium difference when you select higher and lower policy deductibles. The first set of prices uses a $100 deductible for physical damage and the second rate table uses a $500 deductible.

Above prices assume married male driver age 30, no speeding tickets, no at-fault accidents, and California minimum liability limits. Discounts applied include multi-vehicle, safe-driver, claim-free, multi-policy, and homeowner. Table data does not factor in specific location which can raise or lower prices substantially.

We can estimate from the data above that using a $100 deductible costs about $31 more each month or $372 annually averaged for all Camry models than buying the higher $500 deductible. Since you would pay $400 more to settle a claim with a $500 deductible as compared to a $100 deductible, if you tend to average at a minimum 13 months between claim filings, you would probably come out ahead if you decide on a higher deductible.

The example below shows how different deductible levels and can affect Toyota Camry insurance prices for each different age category. The data is based on a married female driver, full coverage, and no additional discounts are factored in.

Careless Long Beach drivers pay higher rates

The diagram below shows how traffic citations and accident claims raise Toyota Camry auto insurance rates for different age groups of insureds. The prices are based on a single female driver, comprehensive and collision coverage, $500 deductibles, and no additional discounts are factored in.

Comparison of full coverage and liability-only policies

The diagram below illustrates the difference between Toyota Camry insurance rates with full coverage compared to only the California minimum liability coverage. The premiums assume no accidents or driving violations, $1,000 deductibles, marital status is single, and no policy discounts are applied.

Should you be buying full coverage?

There is no exact formula of when to stop paying for full coverage on your policy, but there is a guideline you can use. If the annual cost of coverage is more than about 10% of any settlement you would receive from your insurance company, then you may want to consider only buying liability coverage.

For example, let’s say your Toyota Camry claim settlement value is $7,000 and you have $1,000 full coverage deductibles. If your vehicle is damaged in an accident, the most you would receive is $6,000 after paying the physical damage deductible. If you are paying in excess of $600 annually for physical damage coverage, the it may be a good time to stop paying for full coverage.

There are some situations where removing full coverage is not advised. If you haven’t paid off your loan, you are required to maintain full coverage in order to prevent the bank from purchasing higher-priced coverage. Also, if your emergency fund is not enough to purchase a different vehicle in case of an accident, you should not drop full coverage.

Cheap Long Beach auto insurance rates with discounts

Some providers don’t necessarily list the entire discount list very clearly, so the list below contains both well-publicized and the more hidden discounts you could be receiving when you buy Long Beach car insurance online.

• Theft Prevention Discount – Cars optioned with advanced anti-theft systems are stolen with less frequency and qualify for as much as a 10% discount.
• Driver Training Discounts – Taking a safe driver course could earn you a small percentage discount and also improve your driving technique.
• Employee of Federal Government – Federal government employees can save as much as 8% with a few auto insurance companies.
• Savings for New Vehicles – Buying auto insurance coverage on a new vehicle is cheaper due to better safety requirements for newer vehicles.
• Military Discounts – Being on active duty in the military could mean lower rates.
• Multi-line Discount – If the company offers life insurance, you could get a break if you buy some life insurance too.
• Professional Memberships – Having an affiliation with a civic or occupational organization in Long Beach can get you a small discount when getting a Long Beach car insurance quote.
• Data Collection Discounts – People who choose to allow data collection to scrutinize driving habits by using a telematics device such as Progressive’s Snapshot could possibly reduce rates as long as they are good drivers.

Don’t be shocked that most of the big mark downs will not be given to all coverage premiums. Most only reduce the cost of specific coverages such as physical damage coverage or medical payments. Just because it seems like it’s possible to get free car insurance, it doesn’t quite work that way.

The diagram below visualizes the comparison of Toyota Camry insurance costs with and without some available policy discounts. The costs are based on a female driver, no driving violations, no at-fault accidents, California state minimum liability limits, full physical damage coverage, and $100 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with safe-driver, homeowner, multi-car, marriage, claim-free, and multi-policy discounts applied.

A list of auto insurance companies and the discounts they provide include:

• GEICO policyholders can earn discounts including air bags, five-year accident-free, emergency military deployment, anti-lock brakes, military active duty, and multi-vehicle.
• MetLife has discounts for multi-policy, good student, defensive driver, claim-free, good driver, accident-free
• Progressive offers discounts for online quote discount, homeowner, multi-policy, good student, continuous coverage, multi-vehicle, and online signing.
• Travelers offers discounts including good student, hybrid/electric vehicle, save driver, student away at school, and new car.
• SAFECO may offer discounts for anti-theft, anti-lock brakes, drive less, teen safety rewards, homeowner, safe driver, and teen safe driver.
• AAA includes discounts for good student, good driver, education and occupation, AAA membership discount, and multi-policy.

If you are trying to find cheaper Long Beach car insurance quotes, ask every insurance company the best way to save money. All car insurance discounts may not apply to policyholders in Long Beach. If you would like to see a list of insurers who offer free Toyota Camry insurance quotes in Long Beach, click here.

Insurance agent or online?

Certain consumers still like to talk to an insurance agent and there is nothing wrong with that. One of the great benefits of price shopping on the web is you can get lower car insurance rates and still have an agent to talk to. Supporting neighborhood insurance agencies is still important in Long Beach.

For easy comparison, once you complete this simple form, the coverage information is instantly submitted to agents in your area that provide free Long Beach car insurance quotes for your insurance coverage. There is no reason to do any legwork due to the fact that quote results will go to you. You can get cheaper insurance rates without the usual hassles of price shopping. In the event you want to compare prices from a specific company, don’t hesitate to find their quoting web page to submit a rate quote request.

Picking the best insurance company requires you to look at more than just a low price. These are some valid questions you should ask.

• How much experience to they have in personal lines coverages?
• Is auto insurance their primary focus in Long Beach?
• Do they receive special compensation for putting your coverage with one company over another?
• Will the company cover a rental car if your car is getting fixed?
• How much will you save each year by using a higher deductible?
• Which company do they place the most coverage with?

After talking to the agent and getting positive responses to all your questions as well as a price you’re happy with, you’ve probably found an insurance company that meets the criteria to properly service your insurance policy. But keep in mind you are entitled to cancel coverage at any point so never assume that you’re stuck with the insurance policy for the full term.

Final considerations

Cheaper car insurance in Long Beach can be bought both online as well as from insurance agents, and you should be comparing both to have the best selection. There are still a few companies who don’t offer online rate quotes and these regional insurance providers sell through independent agents.

We just presented a lot of tips how to shop for Toyota Camry insurance online. It’s most important to understand that the more rate quotes you have, the better likelihood of getting affordable Toyota Camry insurance quotes. You may even find the best prices are with a lesser-known regional company. They can often provide lower rates in certain areas than their larger competitors like Progressive or GEICO.

As you restructure your insurance plan, make sure you don’t buy lower coverage limits just to save a few bucks. There are too many instances where an insured dropped comprehensive coverage or liability limits only to regret at claim time that the savings was not a smart move. The proper strategy is to purchase plenty of coverage at the best price while not skimping on critical coverages.

More articles

• Understanding Limits and Deductibles (Allstate)
• How Much is Long Beach Car Insurance for Immigrants? (FAQ)
• Help Your Teen Be a Better Driver (State Farm)
• Safe Vehicles for Teens (iihs.org)
• Front crash protection reduces rear-end crashes (Insurance Institute for Highway Safety)