Save Money on Toyota Camry Insurance in Bakersfield

Searching for better insurance prices for a new or used Toyota Camry in California can turn out to be a painful process, but you can learn a few tricks to find lower rates.

There are more efficient ways to buy insurance so we’re going to tell you the quickest way to get price quotes for a new or used Toyota and locate the cheapest rates from both online companies and Bakersfield agents.

It’s a good idea to do price comparisons yearly due to the fact that insurance prices tend to go up over time. Even if you got the lowest rate on Toyota Camry insurance in Bakersfield at your last renewal you can probably find a better premium rate now. Forget all the misinformation about insurance because we’re going to demonstrate the only way to buy cheaper Toyota Camry insurance in Bakersfield.

How much does Toyota Camry insurance in Bakersfield, California cost?

The majority of larger companies provide coverage prices on the web. The process is pretty easy as you just enter your personal and coverage information on the page. Behind the scenes, the system sends out for credit information and your driving record and returns pricing information based on the data you entered.

This helps simplify price comparisons, and it is important to do this in order to find cheap prices.

To save time and find out if lower rates are available, compare rate quotes from the providers shown below. If you currently have coverage, we recommend you replicate the coverage information just like they are on your policy. Using the same limits helps guarantee you will receive comparison quotes using the exact same coverages.

The companies shown below offer price quotes in Bakersfield, CA. If more than one company is shown, we recommend you visit two to three different companies to get the most affordable price.

Toyota Camry coverage analysis

The rate table shown below outlines detailed analysis of prices for Toyota Camry models. Learning a little about how prices are figured is important for you to make smart choices when selecting a coverage provider.

Table data represents single male driver age 50, no speeding tickets, no at-fault accidents, $1000 deductibles, and California minimum liability limits. Discounts applied include multi-vehicle, safe-driver, multi-policy, homeowner, and claim-free. Premium costs do not factor in vehicle garaging location which can revise auto insurance rates greatly.

Physical damage deductible comparison

One of the more difficult decisions when buying insurance is how high should the deductibles for physical damage be. The comparison tables below summarize the premium difference of buying low and high policy deductibles. The first rate estimation uses a $250 deductible for physical damage and the second set of rates uses a $1,000 deductible.

Table data assumes married male driver age 30, no speeding tickets, no at-fault accidents, and California minimum liability limits. Discounts applied include claim-free, safe-driver, homeowner, multi-policy, and multi-vehicle. Price estimates do not factor in the specific area where the vehicle is garaged which can affect premium rates considerably.

Based on this data, using a $250 deductible will cost you about $34 more each month or $408 annually than requesting the higher $1,000 deductible. Due to the fact that you would have to pay $750 more if you turn in a claim with a $1,000 deductible as compared to a $250 deductible, if you normally average at a minimum 22 months between claims, you would save money by going with a higher deductible.

The diagram below illustrates how your deductible choice and can affect Toyota Camry insurance costs for each different age group. The information is based on a married male driver, comprehensive and collision coverage, and no other discounts are factored in.

Gender-based insurance rates in Bakersfield

The example below shows the difference between Toyota Camry auto insurance costs for male and female drivers. The rates are based on a clean driving record, no at-fault accidents, comprehensive and collision coverage, $100 deductibles, single marital status, and no policy discounts are applied.

Why you need Toyota Camry insurance in California

Despite the high cost, insuring your vehicle may not be optional for several reasons.

First, just about all states have minimum liability requirements which means the state requires specific limits of liability insurance if you want to drive legally. 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 loan, almost all lenders will require that you have physical damage coverage to ensure they get paid if you total the vehicle. If you do not keep the policy in force, the bank or lender will purchase a policy for your Toyota for a lot more money and require you to reimburse them a much higher amount than you were paying before.

Third, insurance safeguards your Toyota and your assets. It will also cover hospital and medical expenses for you, your passengers, and anyone else injured in an accident. One policy coverage, liability insurance, also covers legal expenses if you cause an accident and are sued. If you receive damage to your vehicle caused by a storm or accident, comprehensive and/or collision insurance will pay to restore your vehicle to like-new condition.

The benefits of buying enough insurance greatly outweigh the cost, especially for larger claims. On average, a vehicle owner in Bakersfield is currently overpaying as much as $869 every year so you should quote and compare rates at least once a year to save money.

Insurance coverages explained

Knowing the specifics of insurance can help you determine the best coverages and proper limits and deductibles. The coverage terms in a policy can be difficult to understand and nobody wants to actually read their policy.

Medical payments and PIP coverage – Personal Injury Protection (PIP) and medical payments coverage pay for expenses such as ambulance fees, chiropractic care, X-ray expenses, pain medications and prosthetic devices. They are used to fill the gap from your health insurance plan or if you do not have health coverage. Medical payments and PIP cover not only the driver but also the vehicle occupants and will also cover getting struck while a pedestrian. Personal Injury Protection is only offered in select states and may carry a deductible

Liability car insurance – Liability insurance will cover damages or injuries you inflict on other’s property or people by causing an accident. Split limit liability has three limits of coverage: per person bodily injury, per accident bodily injury, and a property damage limit. You commonly see policy limits of 15/30/5 that means you have $15,000 in coverage for each person’s injuries, a per accident bodily injury limit of $30,000, and a limit of $5,000 paid for damaged property. Some companies may use one limit called combined single limit (CSL) which provides one coverage limit rather than limiting it on a per person basis.

Liability coverage pays for claims such as structural damage, attorney fees, court costs and loss of income. How much liability coverage do you need? That is up to you, but buy as much as you can afford. California requires drivers to carry at least 15/30/5 but you should think about purchasing more liability than the minimum.

The next chart demonstrates why the minimum limit may not provide you with enough coverage.

UM/UIM (Uninsured/Underinsured Motorist) coverage – This coverage gives you protection from other motorists when they are uninsured or don’t have enough coverage. It can pay for injuries sustained by your vehicle’s occupants and damage to your Toyota Camry.

Due to the fact that many California drivers only purchase the least amount of liability that is required (California limits are 15/30/5), it doesn’t take a major accident to exceed their coverage limits. This is the reason having UM/UIM coverage should not be overlooked. Most of the time your uninsured/underinsured motorist coverages are set the same as your liability limits.

Comprehensive auto coverage – Comprehensive insurance will pay to fix damage caused by mother nature, theft, vandalism and other events. You need to pay your deductible first and then insurance will cover the rest of the damage.

Comprehensive can pay for claims such as theft, damage from a tornado or hurricane, hail damage, hitting a deer and hitting a bird. The maximum amount you can receive from a comprehensive claim is the market value of your vehicle, so if your deductible is as high as the vehicle’s value consider removing comprehensive coverage.

Collision coverage – This covers damage to your Camry resulting from a collision with another vehicle or an object, but not an animal. You will need to pay your deductible then your collision coverage will kick in.

Collision can pay for claims like colliding with another moving vehicle, colliding with a tree, rolling your car, hitting a mailbox and hitting a parking meter. This coverage can be expensive, so you might think about dropping it from lower value vehicles. You can also bump up the deductible on your Camry to save money on collision insurance.