Affordable Toyota Camry Insurance in Phoenix

Looking for more affordable Toyota Camry insurance in Phoenix? Price shopping your Toyota Camry insurance in Phoenix can seem to be frustrating for drivers who have little experience quoting and comparing rates online. You have so many companies to choose from that it can quickly become a difficult mission to compare rates in Arizona on Toyota Camry insurance.

Insurance for Toyota CamryIt’s hard to fathom, but most car insurance buyers in Arizona kept buying from the same company for more than four years, and nearly 40% of drivers have never even shopped around for affordable coverage. With the average car insurance premium being $1,847, American drivers could pocket almost $859 a year, but they mistakenly think it’s difficult to compare rate quotes online.

Best companies for Toyota Camry insurance

The car insurance companies shown below offer free rate quotes in Arizona. If the list has multiple companies, we recommend you click on several of them in order to get a fair rate comparison.

Toyota Camry Insurance Rates in Phoenix, AZ
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Camry LE $124 $240 $314 $18 $94 $790 $66
Camry SE $222 $520 $390 $24 $116 $1,272 $106
Camry XLE $162 $364 $338 $20 $102 $986 $82
Camry Hybrid $224 $450 $382 $22 $114 $1,192 $99
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Data variables include single female driver age 50, no speeding tickets, no at-fault accidents, $250 deductibles, and Arizona minimum liability limits. Discounts applied include claim-free, safe-driver, homeowner, multi-policy, and multi-vehicle. Premium amounts do not factor in garaging location in Phoenix which can alter auto insurance rates considerably.

Physical damage deductibles: Should you raise them?

The chart below illustrates how your choice of deductibles and can change Toyota Camry insurance costs for different ages of insureds. Data assumes a married female driver, full coverage, and no discounts are applied to the premium.

You Can Change Your Insurance Premiums

Lots of factors are part of the equation when you quote your car insurance policy. Most are fairly basic such as your driving history, but others are less apparent like your vehicle usage and annual miles driven. Part of the insurance buying process is learning some of the elements that help determine your policy premiums. When you understand what influences your rates, this allows you to make educated decisions that can help you get cheaper rates.

Listed below are some of the items used by insurance companies to determine your premiums.

Check for these price cutting discounts

Companies offering auto insurance don’t always list every policy discount very clearly, so the below list has a few of the more well known and also the lesser-known credits available to lower your premiums when you buy Phoenix auto insurance online. If you are not receiving all the discounts you qualify for, you are paying more than you should be.Cheaper car insurance with discounts

A quick disclaimer, many deductions do not apply to the entire policy premium. Some only reduce individual premiums such as physical damage coverage or medical payments. Even though it appears all those discounts means the company will pay you, car insurance companies aren’t that generous.

A list of car insurance companies and a selection of discounts are included below.

When quoting, ask each company or agent the best way to save money. All car insurance discounts may not be available in Phoenix.

Insurance agent or online?

A small number of people still like to sit down and talk to an agent and doing so can bring peace of mind One of the best bonuses of getting online price quotes is the fact that you can find lower rates and still have a local agent.

Insurance agents in PhoenixUpon completion of this form (opens in new window), the quote information is instantly submitted to local insurance agents in Phoenix who can give free rate quotes for your coverage. It simplifies rate comparisons since you won’t have to contact an agency since price quotes are sent straight to your inbox. You can most likely find cheaper rates without requiring a lot of work. If you have a need to get a comparison quote for a specific company, feel free to navigate to their website and fill out their quote form.

Picking an company should include more criteria than just a low price. Below are some questions you should ask.

Two types of auto insurance agents

When finding an insurance agent, it’s important to understand the different types of agencies and how they can service your needs differently. Agents can be classified as either independent agents or exclusive agents.

Exclusive Agencies

Exclusive agents can only write with one company and some examples include State Farm, AAA, Farmers Insurance or Allstate. Exclusive agents cannot compare rates from other companies so if the price isn’t competitive there isn’t much they can do. Exclusive agents are well trained on the products they sell which helps them compete with independent agents. Some insured continue to use the same agent primarily because of loyalty to the company rather than having low rates.

Below are exclusive agents in Phoenix willing to provide price quotes.

More Phoenix agents

Independent Auto Insurance Agencies

Agents that elect to be independent do not work for one specific company so as a result can place your coverage amongst many companies and find the cheapest auto insurance rates. If premiums increase, an independent agent can move your coverage without you having to go to a different agency.

When shopping rates, it’s a good idea to compare quotes from a few independent agents for maximum quote selection. Most also write with small mutual carriers who may have lower rates.

Listed below are Phoenix independent agencies that can give you price quote information.

More Phoenix agents

Why you might not save $389 a year

Companies like Progressive, Allstate and GEICO continually stream television and radio advertisements. They all state the claim that drivers can save some big amount if you change your insurance policy to them. How can each company make almost identical claims? It’s all in the words they use.

All companies give the cheapest rates for the type of customer that is profitable for them. One example of this type of insured should be over the age of 35, has never had a policy lapse, and chooses high deductibles. Anyone that matches those criteria will probably get cheap car insurance rates and have a good chance to save quite a bit of money when switching.

Drivers who do not meet those criteria will be quoted a more expensive rate with the end result being business going elsewhere. The trick companies use is to say “customers who switch” not “everyone who quotes” will save that much if they switch. That’s why companies can truthfully make claims that they all have the best premium rates. Because each company has a different risk profile, it is so important to get Phoenix auto insurance quotes as often as possible. You cannot predict with any certainty which company will give you the biggest savings.

Persistence is the key to cheaper rates

When you buy Phoenix auto insurance online, it’s not a good idea to buy less coverage just to save a little money. In many cases, an insured cut full coverage only to regret that a couple dollars of savings turned into a financial nightmare. Your strategy should be to buy enough coverage at the best cost but still have enough coverage for asset protection.

We’ve covered quite a bit of information on how to save on Toyota Camry insurance in Phoenix. The most important thing to understand is the more rate quotes you have, the more likely it is that you will get a better rate. You may even find the best price on insurance is with a lesser-known regional company.

Consumers change insurance companies for a variety of reasons including delays in responding to claim requests, high prices, denial of a claim and even being labeled a high risk driver. It doesn’t matter why you want to switch switching insurance companies can be pretty painless.

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