How to Compare San Antonio Toyota Camry Insurance

Insurance quote for Toyota Camry in San AntonioNo one in their right mind looks forward to paying for car insurance, especially knowing they could find better rates elsewhere.

Shocking but true, a large majority of drivers kept buying from the same company for at least four years, and about 40% of consumers have never compared rates with other companies. San Antonio consumers could save up to 70% each year just by getting comparison quotes, but most tend to underestimate how much they could save if they replace their high priced policy. There are many insurance companies to buy insurance from, and even though it’s nice to have a selection, more options can take longer to find the best rates for Toyota Camry insurance in San Antonio.

You should make it a habit to do rate comparisons before your policy renews because car insurance prices change regularly. Just because you had the best rates on Toyota Camry insurance in San Antonio a year ago there may be better deals available now. Block out anything you think you know about car insurance because it’s time to teach you the best way to save money, get proper coverage and the best rates.

The companies in the list below are ready to provide quotes in San Antonio, TX. If multiple companies are listed, it’s a good idea that you get rate quotes from several of them to get the best price comparison.

Three main reasons to buy insurance

Despite the fact that insurance is not cheap in San Antonio, maintaining insurance is required for several reasons.

The benefits of buying enough insurance are without a doubt worth the cost, particularly for liability claims. Today the average American driver is overpaying more than $810 a year so we recommend shopping around at every policy renewal to save money.

Toyota Camry insurance analysis

The rate information displayed next outlines estimates of coverage prices for Toyota Camry models. Learning how insurance premiums are formulated can help you make smart choices when selecting a coverage provider.

Toyota Camry Insurance Rates in San Antonio, TX
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Camry LE $156 $306 $430 $26 $128 $1,046 $87
Camry SE $156 $360 $430 $26 $128 $1,100 $92
Camry XLE $156 $360 $430 $26 $128 $1,100 $92
Camry Hybrid $176 $360 $486 $28 $146 $1,196 $100
Get Your Own Custom Quote Go

Prices above based on single female driver age 50, no speeding tickets, no at-fault accidents, $1000 deductibles, and Texas minimum liability limits. Discounts applied include safe-driver, claim-free, multi-policy, multi-vehicle, and homeowner. Rate information does not factor in specific zip code location which can increase or decrease premium rates considerably.

The diagram below illustrates how choosing a deductible and can influence Toyota Camry insurance costs for each different age group. The price estimates are based on a married female driver, comprehensive and collision coverage, and no discounts are applied to the premium.

Do you need full coverage?

The diagram below compares Toyota Camry insurance rates when comparing full coverage to state minimum liability only. The data assumes no claims or driving citations, $100 deductibles, single status, and no discounts are applied to the premium.

When to drop comp and collision

There is no exact rule of when to drop comprehensive and collision coverage on your policy, but there is a general convention. If the annual cost of coverage is more than about 10% of any settlement you would receive from your insurance company, then it could be time to drop full coverage.

For example, let’s pretend your Toyota Camry replacement cost is $4,000 and you have $1,000 policy deductibles. If your vehicle is damaged in an accident, the most your company will settle for is $3,000 after paying your policy deductible. If you are paying over $300 annually for your policy with full coverage, then it’s probably a good time to buy liability coverage only.

There are some scenarios where only buying liability is not a good idea. If you still owe a portion of the original loan, you must maintain physical damage coverage as part of the loan conditions. Also, if you can’t afford to buy a different vehicle in the event your current vehicle is totaled, you should keep full coverage.

These discounts can lower your auto insurance rates

Companies do not advertise the entire discount list in an easy-to-find place, so the following list contains a few of the more well known as well as some of the hidden auto insurance savings. If they aren’t giving you every credit you deserve, you are just wasting money.Discount auto insurance

Don’t be shocked that some credits don’t apply to the entire cost. A few only apply to the cost of specific coverages such as comp or med pay. Just because it seems like all the discounts add up to a free policy, nobody gets a free ride.

The information below visualizes the comparison of Toyota Camry insurance prices with and without discounts. The data is based on a male driver, no claims or violations, Texas state minimum liability limits, comp and collision included, and $250 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with claim-free, multi-policy, homeowner, marriage, multi-car, and safe-driver discounts applied.

A partial list of companies that possibly offer most of the discounts above are:

Before buying, ask each company the best way to save money. Some of the discounts discussed earlier may not be available everywhere. To choose companies who offer online Toyota Camry insurance quotes in San Antonio, click this link.