Best Car Insurance for Toyota Camry SE 2022
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Best insurance for Toyota Camry SE
One of the biggest factors determining your auto insurance rates is the model of car you drive. When setting your insurance premiums, providers consider how much it will cost them to replace or repair your vehicle.
Within each make, insurance premiums will vary as well because each model will have a different price, safety rating, and reliability standard—all of which impact your car insurance premiums.
Jerry is the insurance broker app that helps people save money on their car insurance quickly and easily.
Drivers save as much as 29% per year insuring their Toyota Camry SE when they switch insurance providers with Jerry.
Want more proof? Here are some real quotes for Toyota Camry SE drivers after switching with Jerry.
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How much does it cost to insure a Toyota Camry SE
The average annual cost to insure a Toyota Camry SE is $3,104, which is $221 higher than the average annual cost to insure Toyotas. The base cost of your vehicle will make an impact on your insurance rates—in general, a more expensive car will have higher coverage costs.
The price of your premiums also is impacted by what coverage you choose.
No-fault states require you to carry personal injury protection, as well. This coverage kicks in to pay for your party’s medical bills and lost income no matter who caused the accident.
Other states may mandate uninsured motorist coverage which will cover your costs if you are in an accident with an uninsured or underinsured driver.
Most states also require varying amounts of liability insurance, which covers damage to other drivers (bodily injury liability) and their cars (property damage liability) if you are at fault in an accident.
Insurance coverage to consider for a Toyota Camry SE
While the mandatory liability coverage will be the cheapest option to insure your Camry SE, it’s a good idea to carry more than the minimum insurance.
Most drivers will opt for full-coverage insurance, which will further protect you and your car if you’re in an accident or your car is damaged by another event.
Full-coverage insurance includes: Collision coverage, which pays for damage to your vehicle that happens as a result of an accident with another vehicle or stationary object Comprehensive coverage, which pays for damages not due to a collision, such as vandalism or severe weather
What determines your car insurance cost for a Toyota Camry SE
In addition to the car you drive and the policy you choose, other factors will have a major impact on your monthly premiums. Providers will consider your demographics, as well as features specific to your vehicle when determining your rates.
Here are some factors that may impact your auto insurance premiums.
The cost of insurance for a Toyota Camry SE will vary depending on your age. In general, drivers will have higher auto insurance premiums than older drivers because of their lack of driving experience and the higher accident rate for drivers under 25. That said, teenage drivers will see higher insurance rates for a Toyota Camry SE than 20-year-old drivers as costs will continue to decrease as drivers gain experience. Here are average costs of insurance for Jerry customers who drive a Toyota Camry SE:
The year of your car
Not only does your age impact the rate you pay for your car insurance premiums, but your car’s age also is a factor. Because cars depreciate over time—generally losing 60% of their value in the first five years—the cost of car insurance premiums for a Toyota Camry SE will be lower for an older car. These are real quotes Jerry has found for drivers of a Toyota Camry SE based on model year:
While all insurance companies will consider similar factors when setting your car insurance premiums, each provider uses its own formula to set your rates. Therefore, you can find drastically different premiums depending on the provider—even for the exact same coverage. It’s smart to compare policies from multiple providers before purchasing insurance so you know you’re always getting the best price for the coverage you need. Here are quotes for Jerry users who drive a Toyota Camry SE with different carriers:
Trim levels and vehicle materials
The Toyota Camry SE comes in several trim levels—versions of the same car with different features—and opting for a higher trim could mean you’re getting a car with more premium features.
However, those upgrades will come at an extra cost. Not only will the cost of your vehicle be higher, but premium qualities—like a flashy infotainment system, higher horsepower engine, or luxury finishings—will raise your insurance costs, as well. Furthermore, some features—like an upgraded sound system—will require their own insurance policy in case of damage, theft, or vandalism.
If you’re looking to save money on car insurance, it may be a good idea to stick to the base trim for a Toyota Camry SE.
How can I save money when insuring my Toyota Camry SE
Here are a few tips to help you save on your insurance.
The best way to save on your insurance policy is to go quote shopping with Jerry. Jerry is an insurance broker designed to make comparison shopping simple and user-friendly, so you can save money fast!
After downloading the free Jerry app and answering a few simple questions, Jerry will do the rest of the work for you. That means showing you dozens of competitive quotes from top insurance companies, giving you personalized recommendations, and helping you sign-up once you’ve made your decision.
With Jerry, you’ll enjoy all the savings without any of the usual hassles that come with comparison shopping.
Key Takeaway Comparison shopping with Jerry is the best way to ensure you’re getting the most affordable rate for the insurance coverage you need.
Opt for the Hybrid
While a more expensive car will often raise your insurance rates, choosing the Hybrid model will save you money in the long run as many insurance companies offer discounts for hybrids.
For example, Geico can offer up to a 5% insurance discount for a hybrid, while Travelers and Farmers might offer up to 10%. Check with your provider to see if you qualify to save with a hybrid.
Invest in anti-theft and safety features
The newest models of the Toyota Camry SE are loaded with extra safety features–including a pre-collision system with pedestrian detection, lane departure alerts, steering assistance, and blind-spot monitoring. These features all minimize the risk of collision, which will save you money on your premiums in the long run.
Furthermore, you can add anti-theft features to prevent your car from getting stolen, which will help reduce your insurance rates.
Keep a clean record
No matter what car you drive, a clean driving record is the best way to save. Tickets and collisions go on your driving record, which can have a huge effect on your insurance premiums. So, driving safely and keeping a clean record is an easy, responsible way to keep your insurance costs down.
Check for discounts
Most insurance providers offer a wide variety of discounts based on the driver, vehicle, and policy. Some of the most common discounts include bundling policies or multiple vehicles, not making any claims, paying your premium upfront, and switching to paperless billing.
Not all insurers advertise their discounts, so be sure to check with your provider.