Insurance rates Toyota Camry in ColumbiaSearching for affordable Columbia Toyota Camry insurance quotes might seem difficult for beginners to comparing rates over the internet. With dozens of online companies, how can Columbia drivers be able to compare every one to find the lowest price?

Unimaginable but true, most car insurance policyholders renewed their policy with the same company for over three years, and roughly 40% of drivers have never even compared rates from other companies. Columbia drivers can save hundreds of dollars each year, but they don't invest the time required to shop around.

Consumers need to compare premium rates before your next renewal because prices trend upward over time. If you had the best rates on Toyota Camry insurance in Columbia a year ago you may be paying too much now. Ignore everything you know about car insurance because you're about to find out the best way to find the best coverage while lowering your premiums.

If you currently have a car insurance policy, you stand a good chance to be able to buy cheaper auto insurance using the concepts you're about to learn. Quoting and buying the most affordable policy in Columbia is not as hard as you may think. But South Carolina consumers do need to know how the larger insurance companies sell insurance online and use it to your advantage.

There are several ways to compare rate quotes from companies that offer insurance in South Carolina. The easiest way by far to compare Toyota Camry insurance prices consists of obtaining rate quotes online.

When price shopping your coverage, obtaining a wide range of quotes will enable you to find a lower rate than you're paying now.

The following companies have been selected to offer price comparisons in South Carolina. If multiple providers are shown, we suggest you get price quotes from several of them to find the lowest car insurance rates.

Toyota Camry Insurance Estimates in Columbia, SC
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Camry LE $226 $436 $386 $22 $116 $1,186 $99
Camry SE $160 $378 $412 $24 $124 $1,098 $92
Camry XLE $184 $414 $358 $22 $108 $1,086 $91
Camry Hybrid $256 $514 $436 $26 $130 $1,362 $114
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Data assumes single female driver age 50, no speeding tickets, no at-fault accidents, $250 deductibles, and South Carolina minimum liability limits. Discounts applied include multi-policy, homeowner, safe-driver, multi-vehicle, and claim-free. Estimates do not factor in specific garaging location which can raise or lower rates greatly.

Choosing deductibles

The diagram below shows how choosing a deductible and can raise or lower Toyota Camry insurance costs for different age groups of insureds. The costs are based on a married female driver, comprehensive and collision coverage, and no discounts are taken into consideration.

Insurance is an important decision

Despite the potentially high cost of Toyota Camry insurance, insurance may not be optional for several reasons.

The benefits of having insurance definitely exceed the price paid, especially for larger claims. On average, a vehicle owner in Columbia is wasting up to $750 every year so compare rates once a year at a minimum to help ensure money is not being wasted.

Lower Your Columbia Insurance Prices

Smart consumers have a good feel for some of the things that help calculate your premiums. When you understand what influences your rates, this helps enable you to make changes that may result in big savings. Lots of things are used in the calculation when pricing auto insurance. Some of the criteria are obvious such as your driving record, but other factors are more obscure such as your marital status or your financial responsibility.

The itemized list below are just a few of the factors used by your company to calculate your rate level.

Lower performance equals lower insurance costs - The performance level of the vehicle you need to insure makes a substantial difference in the rate you pay. The cheapest insurance rates are usually found on small economy passenger cars, but many other things help determine your insurance rates. Since the Toyota Camry falls in the sedan class, rates will be about the same when compared to the average rates in Columbia.

Combine policies to earn discounts - Some auto insurance companies provide lower prices to people who carry more than one policy, otherwise known as a multi-policy discount. Even if you already get this discount, it's in your best interest to compare other company rates to make sure you are getting the best deal. You may still be able to save money even if you have your coverage with different companies

Rates and your address - Choosing to live in less populated areas is a positive aspect when trying to find low car insurance rates. Fewer drivers on the road means reduced accidents in addition to lower liability claims Drivers who live in large South Carolina cities regularly have congested traffic and more severe claims. Higher commute times can result in more accidents.

Bump up deductibles to lower rates - Deductibles for physical damage tell how much you are required to pay if a claim is determined to be covered. Insurance for physical damage, also called 'full coverage', is used to repair damage to your car. Examples of covered claims would be a windshield broken by a bird, hail damage, or theft of your vehicle. The more you have to pay, the lower your rates will be.

Toyota Camry claim probability - Insurance companies study historical loss data to help calculate premium rates. Vehicles that the data determines to have higher losses will cost more to insure. The table below shows the collected loss data for Toyota Camry vehicles.

For each coverage type, the claim probability for all vehicles, regardless of make or model, equals 100. Numbers under 100 suggest a positive loss record, while numbers shown that are more than 100 point to more frequent losses or tendency to have higher losses.

Insurance Loss Ratings for Toyota Camry Vehicles

Specific Toyota Model Collision Property Damage Comp Personal Injury Medical Payment Bodily Injury
Toyota Camry 110 94 102 148 145 107
Toyota Camry Hybrid 124 100 110 118 127 96

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

Don't overlook these Toyota Camry insurance discounts

Companies that sell car insurance don't necessarily list all their discounts in an easy-to-find place, so the list below details some of the more common and the more hidden ways to save on auto insurance.Auto insurance discounts

Remember that most of the big mark downs will not be given to your bottom line cost. A few only apply to specific coverage prices like liability, collision or medical payments. Just because you may think you could get a free auto insurance policy, nobody gets a free ride.

Some of the larger companies who may offer these discounts may include but are not limited to:

Before you buy a policy, ask all companies you are considering to apply every possible discount. A few discounts may not apply to policyholders in Columbia. If you would like to choose from a list of companies that offer many of these discounts in Columbia, follow this link.

Car insurance can get complicated

When quoting and comparing proper insurance coverage, there really is not a one-size-fits-all type of policy. Coverage needs to be tailored to your specific needs.Safe vehicles cost less to insure

Here are some questions about coverages that could help you determine whether you might need an agent's assistance.

If you're not sure about those questions but a few of them apply, you may need to chat with a licensed agent. If you don't have a local agent, take a second and complete this form.

Buying car insurance from Columbia auto insurance agents

Some people would rather get professional advice from a licensed agent and that is OK! One of the benefits of comparing rates online is that you can find better rates and still buy from a local agent.

Find insurance agent in ColumbiaBy using this form (opens in new window), your insurance data is sent to participating agents in Columbia who will give competitive quotes to get your business. You won't even need to leave your computer as quotes are delivered directly to your email. You'll get the best rates AND an agent nearby. If you want to get a price quote from a specific insurance company, just jump over to their website and complete a quote there.

Finding the right company should include more criteria than just a cheap price. Here are some questions to ask:

If you are wanting to find a local Columbia insurance agency, you should know the different agency structures and how they can write your policy. Agents can be classified as either exclusive or independent.

Exclusive Agencies

These agents normally can only provide a single company's rates and some examples include State Farm, AAA, Farmers Insurance or Allstate. Exclusive agents cannot compare other company's rates so you need to shop around if the rates are high. Exclusive agents are usually well trained in insurance sales which helps them sell on service rather than price. Many people choose to use a exclusive agent mainly due to loyalty to the company and strong financial ratings.

Below is a list of exclusive agencies in Columbia who may provide you with price quotes.

More insurance agents

Independent Insurance Agents

Independent insurance agents often have affiliation with several companies so they have the ability to put coverage with many different companies and potentially find a lower price. If your agent finds better pricing, your agent can just switch to a different company without you having to go to a different agency.

If you are comparing car insurance prices, you definitely need to get quotes from several independent insurance agents so that you have a good selection of quotes to compare. Most also write with small regional insurance companies that can offer cheaper rates than bigger companies.

The following are Columbia independent insurance agencies that are able to give rate quotes.

More insurance agents

Cheaper insurance premiums are out there

In this article, we presented a lot of information how to lower your Toyota Camry insurance car insurance rates in Columbia. The key concept to understand is the more you quote Columbia auto insurance, the better your chances of lowering your premium rates. You may even be surprised to find that the most savings is with the least-expected company.

Some insurance companies may not have online price quotes and most of the time these smaller providers only sell coverage through independent agents. Cheaper Toyota Camry insurance in Columbia can be sourced both online and from local agencies, and you need to price shop both to have the best chance of lowering rates.

When shopping online for insurance, it's not a good idea to buy lower coverage limits just to save a few bucks. In too many instances, someone dropped uninsured motorist or liability limits only to regret that it was a big mistake. Your goal should be to purchase plenty of coverage at the best cost, but don't skip important coverages to save money.

For more information, take a look at the resources below: