How to Save on Mesa Toyota Camry Hybrid Insurance

If you want to find the absolute lowest rates, then the best way to find discount Toyota Camry Hybrid insurance is to annually compare prices from different companies who sell auto insurance in Mesa.

First, learn about how car insurance works and the steps you can take to prevent high rates. Many policy risk factors that drive up the price such as tickets, at-fault accidents, and a not-so-good credit history can be controlled by making small lifestyle or driving habit changes.

Second, quote rates from direct, independent, and exclusive agents. Direct companies and exclusive agencies can only quote rates from one company like GEICO or State Farm, while independent agencies can provide price quotes for many different companies. View rates

Third, compare the new rate quotes to the premium of your current policy and see if you can save money. If you find a better price and change companies, make sure the effective date of the new policy is the same as the expiration date of the old one.

Fourth, notify your company or agent of your intent to cancel your current policy and submit payment and a completed application to the new insurer. As soon as you have the new policy, place the new certificate of insurance in an easily accessible location in your vehicle.

A tip to remember is to compare identical coverage information on each quote request and and to get price quotes from every company you can. Doing this enables a level playing field and the best price quote selection.

Insurance quote for Toyota Camry Hybrid in MesaSmart shoppers know that insurance companies don’t want you to compare rates. Consumers who get comparison quotes at least once a year will probably buy a new policy because of the high probability of finding coverage at a cheaper rate. A recent insurance study revealed that drivers who made a habit of comparing rates saved approximately $3,450 over four years as compared to drivers who never shopped around for better prices.

If finding low prices for insurance in Mesa is your ultimate goal, knowing how to get rate quotes and compare insurance rates can help make the process easier.

Lower-cost Mesa insurance rates with discounts

Companies that sell car insurance don’t necessarily list all possible discounts in an easy-to-find place, so the following is a list of a few of the more well known in addition to some of the lesser obvious credits that you can use to lower your rates. If you do not check that you are getting every discount possible, it’s possible you qualify for a lower rate.

It’s important to understand that some credits don’t apply to your bottom line cost. Most only apply to individual premiums such as physical damage coverage or medical payments. Even though the math looks like it’s possible to get free car insurance, you aren’t that lucky.

The chart below shows the difference between Toyota Camry Hybrid car insurance rates with and without discounts. The costs are based on a female driver, no claims, a clean driving record, Arizona state minimum liability limits, comp and collision included, and $100 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with multi-policy, safe-driver, homeowner, marriage, claim-free, and multi-car discounts applied.

To see a list of insurers who offer insurance discounts in Arizona, click here to view.

There are several ways to obtain and compare prices from different companies. The easiest way to find the cheapest Toyota Camry Hybrid insurance rates is to perform an online rate comparison. When comparing car insurance rates, know that having more price comparisons helps locate more affordable insurance.

The providers in the list below are ready to provide comparison quotes in Mesa, AZ. If multiple companies are listed, it’s a good idea that you click on several of them in order to find the most affordable rates.

Rates and information analytics

The table shown below covers a range of insurance prices for Toyota Camry Hybrid models. Learning as much as possible about how auto insurance policy rates are calculated can help customers make informed decisions when comparing rates.

Toyota Camry Hybrid Insurance Rates in Mesa, AZ
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Camry Hybrid $224 $450 $382 $22 $114 $1,192 $99
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Prices based on single female driver age 50, no speeding tickets, no at-fault accidents, $250 deductibles, and Arizona minimum liability limits. Discounts applied include homeowner, multi-vehicle, claim-free, multi-policy, and safe-driver. Rate information does not factor in specific zip code location which can modify coverage prices greatly.

Comparison of policy deductibles

The hardest decision when buying coverage is at what level do you set your deductibles. The following tables show the rate differences when you buy lower versus higher physical damage deductibles. The first table uses a $250 deductible and the second set of prices uses a $500 deductible.

Toyota Camry Hybrid insurance with $250 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Camry Hybrid $262 $460 $338 $20 $102 $1,207 $101
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Toyota Camry Hybrid insurance with $500 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Camry Hybrid $212 $370 $338 $20 $102 $1,042 $87
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Table data represents married male driver age 30, no speeding tickets, no at-fault accidents, and Arizona minimum liability limits. Discounts applied include claim-free, safe-driver, multi-vehicle, multi-policy, and homeowner. Rate quotes do not factor in specific Mesa garaging location which can alter price quotes greatly.

Based on these figures, using a $250 deductible will cost in the ballpark of $14 more each month or $168 each year than opting for the higher $500 deductible. Because you would be required to pay $250 more out-of-pocket with a $500 deductible as compared to a $250 deductible, if you go more than 18 months between claims, you would most likely save money if you choose a higher deductible. Here is the way this decision is made.

Average monthly premium for $250 deductibles: $101
Average monthly premium for $500 deductibles (subtract): – $87
Monthly savings from raising deductible: $14
Difference between deductibles ($500 – $250): $250
Divide difference by monthly savings: $250 / $14
Number of months required between physical damage coverage claims in order to save money by choosing the higher deductible 18 months

An important thing to remember is that a higher deductible level means you will have to pay more of your own money at claim time. That will force you to have some extra savings in the event you have to pay the deductible.

Toyota Camry Hybrid insurance costs by gender and age

The information below illustrates the comparison of Toyota Camry Hybrid auto insurance costs for male and female drivers. The prices are based on no accidents, no driving violations, comprehensive and collision coverage, $1,000 deductibles, single status, and no discounts are applied.

Eight Things That Determine Your Insurance Costs

It’s important that you understand the rating factors that go into determining your insurance rates. If you have some idea of what positively or negatively impacts your premiums, this helps enable you to make changes that can help you get big savings.

The items below are just a few of the factors insurance companies consider when setting your prices.

Annual miles is a factor – Driving more miles annually the more you’ll pay to insure it. Many insurance companies calculate rates based upon how you use the vehicle. Cars used primarily for pleasure use cost less to insure compared to those used for work or business. Make sure your insurance declarations sheet reflects the right rating data. A policy that improperly rates your Camry Hybrid may be costing you.

An active insurance claims history can cost you more – Companies in Arizona award the lowest premiums to people who only file infrequent claims. If you’re an insured who likes to file claims you can pretty much guarantee increased rates or even have your policy non-renewed. Your insurance policy is designed for claims that pose a financial burden.

Traffic violations drive up rates – Having a single moving violation may cause rates to rise twenty percent or more. Attentive drivers receive lower rates as compared to those with violations. Drivers who get dangerous citations like reckless driving or DUI are required to complete a SR-22 with their state DMV in order to keep their license.

The chart below demonstrates how traffic citations and fender-benders can increase Toyota Camry Hybrid insurance prices for different age groups of insureds. The premiums assume a married male driver, comprehensive and collision coverage, $250 deductibles, and no policy discounts are applied.

Your liability limits – Your policy’s liability coverage kicks in when you are determined to be liable for causing damage or personal injury in an accident. It will provide for a legal defense which can be incredibly expensive. Liability insurance is quite affordable compared to comp and collision, so drivers should carry high limits.

Do you work long hours in a stressful occupation? – Occupational choices like military generals, police officers, and emergency personnel usually pay the highest average rates attributed to job stress and long work days. On the flip side, jobs like farmers, historians and the unemployed have the lowest average rates.

Pay more of a claim out-of-pocket – The deductibles are how much you are willing to pay if the claim is covered. Physical damage protection, commonly called comprehensive (or other-than-collision) and collision coverage, covers damage that occurs to your car. Some instances where coverage would apply would be colliding with a stationary object, collision with a deer, or theft of your vehicle. The more you have to pay, the less your company will charge you for insurance.

Deter theft and pay less – Selecting a car model that has a built-in theft deterrent system can earn a premium discount. Anti-theft features such as tamper alarm systems, vehicle immobilizer technology and General Motors OnStar all aid in stopping car theft.

Lower performance equals lower insurance costs – The performance of the car you are trying to find cheaper insurance for makes a significant difference in how high your rates are. The lowest performance passenger models usually have the lowest rates, but the final cost of insurance is determined by many other factors.

The following chart assumes a single female driver age 40, full coverage with $1000 deductibles, and no discounts or violations. It shows Toyota Camry Hybrid policy rates compared to other vehicles that have different risk factors.

Toyota Camry Hybrid claim data – Insurers take into consideration insurance loss statistics for every vehicle to help calculate premium rates. Vehicles that statistically have higher losses will cost more for specific coverages. The next table shows the insurance loss data for Toyota Camry Hybrid vehicles.

For each coverage type, the loss probability for all vehicles, without regard to make or model, is represented as 100. Values that are 100 or less mean the vehicle has better than average losses, while numbers above 100 point to more losses or larger claims.

Toyota Camry Hybrid Insurance Claim Statistics
Vehicle Model Collision Property Damage Comp Personal Injury Medical Payment Bodily Injury
Toyota Camry Hybrid 124 100 110 118 127 96

Statistics Source: Insurance Institute for Highway Safety for 2013-2015 Model Years

When should I get advice from an agent?

Many drivers still prefer to talk to an insurance agent and that is OK! An additional benefit of getting free rate quotes online is the fact that you can find the lowest rates and still buy from a local agent. And providing support for small agencies is important especially in Mesa.

Insurance agents in MesaFor easy comparison, once you complete this simple form, your insurance data is sent to local insurance agents who will give competitive quotes and help you find cheaper coverage. It makes it easy because there is no need to search for an agent since rate quotes are delivered to the email address you provide. You can find the lowest rates and work with a local agent. If for some reason you want to get a price quote from a particular provider, don’t hesitate to search and find their rate quote page and submit a quote form there.

Choose the right car insurance agent

If you prefer to buy car insurance from local Mesa agents, there are a couple of types of agencies and how they operate. Car insurance agents in Mesa can either be independent or exclusive depending on the company they work for.

Independent Agents

Agents that elect to be independent do not work for one specific company so they have the ability to put coverage with an assortment of companies and get you the best rates possible. If your agent finds better pricing, your policy is moved internally and you don’t have to do anything. When comparing car insurance rates, you should always get quotes from independent agents so that you can do a thorough price comparison. A lot of them also have access to additional companies that you may not be familiar with that may provide cheaper car insurance rates.

Shown below is a small list of independent insurance agencies in Mesa who may provide competitive price quotes.

More Mesa agents

Exclusive Car Insurance Agents

Agents that elect to be exclusive are contracted to one company such as State Farm, Allstate, and Farm Bureau. Exclusive agents cannot place coverage with different providers so always compare other rates. Exclusive insurance agents are very knowledgeable on their company’s products which helps offset the inability to provide other markets. Consumers frequently use the same agent mostly because of high brand loyalty and the convenience of having all coverages with one company.

Listed below is a list of exclusive agents in Mesa that can give you price quotes.

More Mesa agents

Picking the best auto insurance agent shouldn’t rely on just the premium amount. Below are some questions you should ask.

Why you need quality insurance for your vehicle

Despite the potentially high cost of Toyota Camry Hybrid insurance, paying for car insurance may be required and benefits you in several ways.

The benefits of carrying adequate insurance more than cancel out the cost, particularly for liability claims. The average driver in Arizona overpays more than $810 a year so it’s very important to do a rate comparison each time the policy renews to help ensure money is not being wasted.

The best insurance company isn’t always the cheapest

You just read quite a bit of information on how to find affordable Toyota Camry Hybrid insurance in Mesa. The key thing to remember is the more rate comparisons you have, the higher the chance of saving money. You may even find the biggest savings come from some of the lesser-known companies.

When shopping online for car insurance, it’s a bad idea to buy less coverage just to save a little money. In too many instances, consumers will sacrifice liability limits or collision coverage only to regret at claim time that it was a big error on their part. Your objective should be to purchase a proper amount of coverage at the best cost but still have enough coverage for asset protection.

A few companies do not provide the ability to get quotes online and most of the time these small insurance companies only sell through independent agencies. Cheap Toyota Camry Hybrid insurance in Mesa is definitely available online and with local Mesa insurance agents, and you need to comparison shop both to have the best rate selection.

Additional information can be found at the links below