Searching for low-cost insurance for a new or used Toyota Camry Hybrid in California could be an all-consuming task, but you can follow our auto insurance buying tips and make it easy. There is a right way and a wrong way to shop for auto insurance so we’re going to tell you the quickest way to compare rates for your Toyota and locate the cheapest rates.
It’s smart to shop coverage around quite often since prices are usually higher with each renewal. If you had the lowest rates on Toyota Camry Hybrid insurance in Chula Vista at your last renewal you may be paying too much now. Don’t believe everything you read about Camry Hybrid insurance online, but you can learn the best ways to lower your auto insurance bill.
If you are insured now or are shopping for new coverage, use these money-saving tips to cut your premiums while maintaining coverages. Obtaining price quotes for the lowest cost insurance coverage in Chula Vista is not as hard as you may think. You only need to know the most effective way to compare prices online.
The companies shown below have been selected to offer comparison quotes in Chula Vista, CA. To locate cheap auto insurance in California, we recommend you click on several of them to get the best price comparison.
Car insurance policy discounts you can’t miss
Companies do not list all available discounts in an easy-to-find place, so the next list breaks down both the well known as well as the least known credits that you can use to lower your rates.
- Full Payment Discount – If you pay your entire premium ahead of time instead of making monthly payments you can actually save on your bill.
- Seat Belts Save more than Lives – Drivers who require all vehicle occupants to fasten their seat belts can save up to 15% off the PIP or medical payment premium.
- Life Insurance Discount – Some companies give a discounted rate on car insurance if you buy a life insurance policy as well.
- Onboard Data Collection – People who choose to allow driving data submission to track their driving habits by installing a telematics device like Allstate’s Drivewise could save a few bucks if they show good driving skills.
- Anti-lock Brakes – Cars and trucks that have steering control and anti-lock brakes have fewer accidents and the ABS can save up to 10%.
- Passive Restraints and Air Bags – Factory air bags or motorized seat belts can get savings of 20 to 30 percent.
- Senior Citizens – Seniors can get a small discount on rates.
A quick disclaimer, most credits do not apply to your bottom line cost. Most cut specific coverage prices like liability, collision or medical payments. If you do the math and it seems like you can get free auto insurance, company stockholders wouldn’t be very happy.
The chart below shows the comparison of Toyota Camry Hybrid car insurance costs with and without policy discounts. The price estimates are based on a male driver, a clean driving record, no claims, California state minimum liability limits, full physical damage coverage, and $250 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with homeowner, multi-policy, safe-driver, marriage, multi-car, and claim-free discounts applied.
If you would like to view providers who offer free Toyota Camry Hybrid insurance quotes in Chula Vista, follow this link.
Toyota Camry Hybrid detailed coverage information
The coverage information below highlights different prices for Toyota Camry Hybrid models. Knowing how policy rates are established can be valuable when making smart choices when purchasing an auto insurance policy.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Camry Hybrid | $430 | $810 | $500 | $30 | $150 | $1,920 | $160 |
| Get Your Own Custom Quote Go | |||||||
Table data represents married male driver age 30, no speeding tickets, no at-fault accidents, $100 deductibles, and California minimum liability limits. Discounts applied include homeowner, multi-vehicle, safe-driver, claim-free, and multi-policy. Rate information does not factor in specific location information which can influence insurance rates greatly.
Physical damage deductibles: Should you raise them?
The hardest decision when buying coverage is how high should the physical damage coverage deductibles be. The comparison tables below sum up the difference in cost of buying low and high coverage deductibles. The first data set uses a $100 deductible for comprehensive and collision coverage and the second pricing table uses a $500 deductible.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Camry Hybrid | $430 | $810 | $500 | $30 | $150 | $1,945 | $162 |
| Get Your Own Custom Quote Go | |||||||
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Camry Hybrid | $314 | $546 | $500 | $30 | $150 | $1,540 | $128 |
| Get Your Own Custom Quote Go | |||||||
Table data assumes married male driver age 30, no speeding tickets, no at-fault accidents, and California minimum liability limits. Discounts applied include multi-policy, homeowner, safe-driver, claim-free, and multi-vehicle. Estimates do not factor in vehicle location which can change prices noticeably.
Based on the figures above, using a $100 deductible costs roughly $34 more each month or $408 a year than choosing the higher $500 deductible. Due to the fact that you would have to pay $400 more out of your own pocket with a $500 deductible as compared to a $100 deductible, if you tend to have at least 12 months between claim filings, you would probably save some money if you opt for a higher deductible.
How to determine if higher deductibles are a good idea
| Average monthly premium for $100 deductibles: | $162 |
| Average monthly premium for $500 deductibles (subtract): | – $128 |
| Monthly savings from raising deductible: | $34 |
| Difference between deductibles ($500 – $100): | $400 |
| Divide difference by monthly savings: | $400 / $34 |
| Number of months required between physical damage coverage claims in order to save money by choosing the higher deductible | 12 months |
Cut Insurance Costs with These Tips
Multiple criteria are considered when you get a price on insurance. Some factors are common sense such as your driving history, but some are less obvious like your continuous coverage or your financial responsibility. One of the most helpful ways to save on car insurance is to to have a grasp of some of the factors that go into determining your car insurance rates. If you have a feel for what positively or negatively impacts your premiums, this helps enable you to make changes that will entitle you to better car insurance rates.
The factors shown below are some of the most rate-impacting factors used by your company to calculate rates.
Do males or females drive better? – Statistics have proven that females tend to be a little less risky than males. However, don’t assume that men are WORSE drivers than women. Females and males get in auto accidents in similar numbers, but males cause more damage. In addition to higher claims, males also receive more costly citations such as DWI and reckless driving.
The information below visualizes the comparison of Toyota Camry Hybrid insurance prices for male and female drivers. The price estimates are based on no claims or driving citations, full coverage, $100 deductibles, single marital status, and no additional discounts are factored in.
Only buy what you need – There are a ton of extra add-on coverages that sound like a good idea at the time if you aren’t careful. Insurance for things like roadside assistance, accidental death, and extra equipment coverage are examples of these. They may seem good when you first buy your policy, but if you’ve never needed them in the past remove them and pocket the money.
Save by driving less – The higher the mileage driven each year the higher the price you pay to insure it. A lot of companies charge rates partially by how you use the vehicle. Cars and trucks that have low annual miles can get a lower rate than vehicles that have high annual mileage. Having the wrong rating on your Camry Hybrid can result in significantly higher rates. It’s always a good idea to double check that your vehicle rating states the proper vehicle usage, because improper ratings can cost you money.
Never let your car insurance expire – Driving without insurance coverage in place is a big no-no and your next policy will cost more because you let your coverage cancel without a new policy in place. Not only will rates go up, the inability to provide proof of insurance could earn you a steep fine or even jail time. You could then be forced to prove you have insurance by filing a SR-22 with the California DMV.
Insurance loss statistics a Toyota Camry Hybrid – Insurance companies use statistical claims data in order to profitably underwrite each model. Models that historically have higher claim amounts or frequency will cost more to insure.
The table shown below demonstrates the historical loss data for Toyota Camry Hybrid vehicles. For each coverage type, the statistical loss for all vehicles, as a total average, equals 100. Values below 100 represent a good loss history, while numbers that are greater than 100 show a trend for more claims or an increased chance of larger losses than average.
| Make and Model | Collision | Property Damage | Comp | Personal Injury | Medical Payment | Bodily Injury |
|---|---|---|---|---|---|---|
| Toyota Camry Hybrid | 124 | 100 | 110 | 118 | 127 | 96 |
Data Source: iihs.org (Insurance Institute for Highway Safety) for 2013-2015 Model Years
When to talk to a local insurance agent
Certain consumers just prefer to sit down and talk to an agent and that is just fine! Insurance agents will help you protect your assets and give you someone to call. One of the best bonuses of comparing insurance prices online is that drivers can save money and get cheaper prices and still buy from a local agent.
Upon completion of this form (opens in new window), your coverage information is instantly submitted to insurance agents in Chula Vista who want to provide quotes for your coverage. You never need to do any legwork due to the fact that quote results will go to you instantly. If you want to quote rates from a specific company, don’t hesitate to visit that company’s website and give them your coverage information.
Choosing the best insurer requires you to look at more than just the premium amount. Here are some questions you should ask.
- Are there any extra charges for paying monthly?
- Do the agents have professional certifications like CPCU or CIC?
- Do they feel the quoted coverages are adequate?
- Do they have a Better Business Bureau rating in Chula Vista?
- Do you qualify for any additional discounts?
- Do they regularly work with personal auto policies in Chula Vista?
Below is a list of auto insurance companies in Chula Vista who can help you get price quotes for Toyota Camry Hybrid insurance in Chula Vista.
- Farmers Insurance – Patricia Ruiz
2568 Waterline Way – Chula Vista, CA 91914 – (619) 482-7011 – View Map - Bernardo Vasquez – State Farm Insurance Agent
460 3rd Ave a – Chula Vista, CA 91910 – (619) 425-6560 – View Map - Farmers Insurance – Charles Phillips
642 3rd Ave a – Chula Vista, CA 91910 – (619) 585-3484 – View Map - Fred Hetter – State Farm Insurance Agent
265 E St Suite B – Chula Vista, CA 91910 – (619) 420-9430 – View Map
Once you have received reasonable responses to these questions and a good coverage price, you have narrowed it down to a company that meets the requirements to properly service your auto insurance policy. Keep in mind it’s your coverage and you can cancel your policy at any point so don’t think that you are permanently stuck with a policy indefinitely.
Don’t give up on cheap rates
We just covered quite a bit of information on how to compare Toyota Camry Hybrid insurance premium rates in Chula Vista. The key thing to remember is the more rate comparisons you have, the better chance you’ll have of finding cheaper Chula Vista auto insurance quotes. Drivers may even discover the best price on auto insurance is with a smaller regional carrier.
Cheaper auto insurance in Chula Vista is possible both online in addition to local insurance agencies, and you should compare price quotes from both so you have a total pricing picture. There are still a few companies who may not have the ability to get quotes online and most of the time these small insurance companies sell through local independent agencies.
While you’re price shopping online, don’t be tempted to skimp on critical coverages to save a buck or two. In many cases, someone dropped liability coverage limits to discover at claim time that the small savings ended up costing them much more. Your objective should be to buy enough coverage for the lowest cost and still be able to protect your assets.
How to find low-cost rates for Toyota Camry Hybrid insurance in Chula Vista
The best way we recommend to get low-cost auto insurance rates is to regularly compare quotes from insurers who sell insurance in Chula Vista. You can shop around by following these guidelines.
- First, get an understanding of how auto insurance works and the steps you can take to keep rates down. Many risk factors that result in higher prices like inattentive driving and bad credit can be amended by making minor driving habit or lifestyle changes.
- Second, compare prices from independent agents, exclusive agents, and direct companies. Exclusive agents and direct companies can provide rates from one company like Progressive or Allstate, while independent agencies can quote rates from many different companies.
- Third, compare the new rate quotes to your current policy premium to see if you can save by switching companies. If you find a lower rate and buy the policy, make sure there is no coverage gap between policies.
An important part of this process is to use similar limits and deductibles on each quote and and to get rates from every company you can. This enables a fair rate comparison and plenty of rates choose from.
Other information
- Auto Theft Statistics (Insurance Information Institute)
- What Insurance is Cheapest for Drivers with a Bad Driving Record in Chula Vista? (FAQ)
- Who Has Cheap Car Insurance Quotes for 4×4 Vehicles in Chula Vista? (FAQ)
- How Much are Car Insurance Quotes for a Chevrolet Equinox in Chula Vista? (FAQ)
- Who Has the Cheapest Car Insurance Rates for a Ford F-150 in Chula Vista? (FAQ)
- Who Has Cheap Chula Vista Auto Insurance Quotes for Good Drivers? (FAQ)
- Rental Reimbursement Coverage (Allstate)
- Red Light Cameras (State Farm)
- Airbag FAQ (iihs.org)