Best Toyota Camry Insurance in San Jose

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If you're shopping for lower-cost insurance online, are you baffled by the wide range of car insurance sources available to you? California people have so many sources available that it can easily become more work than you anticipated to find the lowest price for Toyota Camry insurance in San Jose. San Jose is a wonderful place to live, but getting gouged by high car insurance rates makes it difficult to afford proper coverage amounts.

Discount Toyota Camry insuranceA study showed that about 70% of customers have purchased from the same company for at least four years, and just under half have never compared rates to find cheaper insurance. Many consumers in America could pocket roughly 47% a year by just comparing rate quotes, but most tend to underestimate the large savings they would see if they bought a different policy.

Consumers need to compare premium rates before your next renewal since insurance prices are constantly changing. Even if you got the best deal on Toyota Camry insurance in San Jose six months ago you will most likely find a better rate today. Block out anything you think you know about car insurance because you're about to learn the right way to buy cheaper Toyota Camry insurance in San Jose.

Our goal in writing this article teach you a little about the most effective way to quote insurance and some tips to save money. If you already have coverage, you will most likely be able to save money using this strategy. But California consumers need to learn how big insurance companies calculate your policy premium because rates fluctuate considerably.

Most companies make it easy to get coverage price quotes from their websites. Getting online quotes for Toyota Camry insurance in San Jose is pretty painless because you just enter your coverage information as requested by the quote form. Once entered, the company's rating system automatically retrieves your driving record and credit report and quotes a price based on the information you submitted.

This makes it easy to compare insurance prices and it's absolutely necessary to perform this step in order to find a better rate.

To save time and compare rates using this form now, compare rates from the companies below. If you have your current policy handy, we recommend you enter the insurance coverages identical to your current policy. Doing this assures you're receiving an apples-to-apples comparison based on the exact same insurance coverage.

The providers in the list below have been selected to offer free quotes in California. If more than one company is shown, we recommend you visit two to three different companies to get the best price comparison.

Analysis of coverages

The table displayed next outlines different insurance coverage prices for Toyota Camry models. Having a better idea how auto insurance premiums are established can benefit drivers when making informed purchases.

Toyota Camry Insurance Rates in San Jose, CA
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Camry LE $266 $524 $574 $34 $172 $1,570 $131
Camry SE $266 $618 $574 $34 $172 $1,664 $139
Camry XLE $266 $618 $574 $34 $172 $1,664 $139
Camry Hybrid $300 $618 $650 $38 $194 $1,800 $150
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Prices above based on 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, multi-vehicle, homeowner, and multi-policy. Rate information does not factor in specific zip code location which can change rates significantly.

Should you raise deductibles?

When comparing car insurance rates, the most common question is what deductibles to buy. The tables below may help to illustrate how much more you'll pay between low and high physical damage coverage deductibles. The first table uses a $100 deductible for physical damage and the second price grid uses a $1,000 deductible.

Toyota Camry insurance rates with $100 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Camry LE $380 $686 $442 $26 $132 $1,691 $141
Camry SE $380 $810 $442 $26 $132 $1,815 $151
Camry XLE $380 $810 $442 $26 $132 $1,815 $151
Camry Hybrid $430 $810 $500 $30 $150 $1,945 $162
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Toyota Camry insurance rates with $1,000 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Camry LE $210 $362 $442 $26 $132 $1,172 $98
Camry SE $210 $426 $442 $26 $132 $1,236 $103
Camry XLE $210 $426 $442 $26 $132 $1,236 $103
Camry Hybrid $238 $426 $500 $30 $150 $1,344 $112
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Prices above based on 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, homeowner, and multi-policy. Premium amounts do not factor in specific location information which can impact rates greatly.

Using the data above, we can ascertain that using a $100 deductible will cost you approximately $47 more each month or $564 a year than quoting the higher $1,000 deductible. Since the policyholder would be required to pay $900 more to settle a claim with a $1,000 deductible as compared to a $100 deductible, if you tend to average at least 19 months between claims, you would save money if you opt for a higher deductible.

The illustration below illustrates how your choice of deductibles and can affect Toyota Camry insurance costs for each different age category. The rates are based on a single male driver, comp and collision included, and no discounts are applied.

Car insurance premiums based on gender

The information below shows the difference between Toyota Camry annual premium costs for male and female drivers. The premiums assume a clean driving record, no at-fault accidents, full physical damage coverage, $250 deductibles, single marital status, and no discounts are applied.

Discount San Jose car insurance quotes

Car insurance can be pricey, but you may be missing some discounts that many consumers don't even know exist. Most are applied when you quote, but a few must be asked about before being credited.Car insurance discounts

  • Telematics Data - Insureds who allow their car insurance company to monitor when and where they use their vehicle through the use of a telematics system like Drivewise from Allstate or In-Drive from State Farm might get better premium rates if their driving habits are good.
  • Air Bag Discount - Cars that have air bags or automatic seat belts may get savings up to 30%.
  • One Accident Forgiven - This one isn't a discount, but companies like Liberty Mutual and GEICO will turn a blind eye to one accident before raising your premiums as long as you don't have any claims prior to the accident.
  • Club Memberships - Joining a professional or civic organization can get you a small discount on your bill.
  • Save with More Vehicles Insured - Purchasing coverage when you have multiple cars or trucks on one policy can reduce rates for all insured vehicles.
  • Military Discounts - Being on active duty in the military could trigger a small discount.
  • Early Renewal Discounts - Some larger companies give discounts for buying a new policy prior to the expiration date on your current Camry insurance policy. Ten percent is about the average savings.
  • Paperwork-free - Certain companies will discount your bill up to fifty bucks shop San Jose auto insurance online.
  • College Student Discount - Children who are enrolled in higher education away from home and do not have a car can receive lower rates.
  • Seat Belts Save - Drivers who always wear seat belts and also require passengers to buckle up could cut 10% or more off the medical payments premium.

A little disclaimer on discounts, most discounts do not apply to the whole policy. Most only apply to the cost of specific coverages such as collision or personal injury protection. Just because it seems like all the discounts add up to a free policy, you're out of luck.

The example below illustrates the difference between Toyota Camry insurance costs with and without discounts applied to the premium. The data assumes a male driver, no violations or claims, California 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, multi-policy, claim-free, safe-driver, homeowner, and multi-car discounts applied.

Companies and their offered discounts are:

  • GEICO policyholders can earn discounts including multi-policy, air bags, seat belt use, emergency military deployment, and anti-theft.
  • USAA offers premium reductions for safe driver, multi-vehicle, annual mileage, driver training, new vehicle, multi-policy, and defensive driver.
  • Progressive discounts include homeowner, online signing, multi-policy, multi-vehicle, good student, online quote discount, and continuous coverage.
  • American Family offers discounts for accident-free, mySafetyValet, early bird, good driver, bundled insurance, and defensive driver.
  • Esurance may offer discounts for claim free, renters, multi-policy, defensive driver, emergency road assistance, anti-theft, and paid-in-full.
  • Farmers Insurance has discounts for alternative fuel, youthful driver, business and professional, mature driver, switch companies, and multi-car.
  • State Farm may include discounts for accident-free, good driver, student away at school, multiple autos, good student, and driver's education.

When getting a coverage quote, ask each insurance company how many discounts you can get. Some discounts may not apply to policies in San Jose. To find insurance companies that offer discounts in California, click here to view.

Choosing the best Toyota Camry insurance in California is an important decision

Despite the high insurance cost for a Toyota Camry in San Jose, buying insurance is a good idea for several reasons.

  • Almost all states have mandatory liability insurance requirements which means you are required to buy a specific level of liability protection 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.
  • If you bought your vehicle with a loan, almost all lenders will make it a condition of the loan that you carry insurance to guarantee payment of the loan. If you do not keep the policy in force, the bank may buy a policy for your Toyota at a more expensive rate and force you to pay for it.
  • Insurance safeguards your car and your assets. It will also pay for most medical and hospital costs for both you and anyone you injure as the result of an accident. As part of your policy, liability insurance also pays for attorney fees and expenses if you cause an accident and are sued. If damage is caused by hail or an accident, collision and comprehensive (also known as other-than-collision) coverage will pay to repair the damage.

The benefits of having insurance definitely exceed the price paid, especially when you need to use it. Despite what companies tell you, the average driver is currently overpaying as much as $855 a year so it's recommended you shop around at every renewal to save money.

Car insurance agents near you

A lot of people just want to talk to an insurance agent and that can be a great decision A good thing about comparing rates online is that you can obtain lower rates and still have a local agent. Putting coverage with local insurance agents is important especially in San Jose.

Insurance agency in San JoseAfter completing this quick form, your insurance data is sent to participating agents in San Jose who can give free rate quotes to get your business. You won't even need to search for any insurance agencies because prices are sent straight to your inbox. Get lower rates without having to waste a lot of time. If you have a need to compare rates from a specific insurance company, feel free to navigate to their website and complete a quote there.

Choosing the best company should include more criteria than just a cheap price quote. These are valid questions to ask:

  • Did they already check your driving record and credit reports?
  • Can glass repairs be made at your home?
  • How much training do they have in personal risk management?
  • Are they properly licensed to sell insurance in California?
  • Do they offer rental car reimbursement?

After talking to the agent and getting acceptable answers to all your questions and an affordable coverage quote, you may have found an insurer that meets the criteria to service your policy.