Has it been a year or more since you last compared quotes for more competitive Toyota Camry insurance in Dallas? Purchasing the lowest cost Dallas Toyota Camry insurance quotes over the internet can seem to be difficult for vehicle owners that are relatively new to buying insurance over the internet. With so many options of companies in the marketplace, how are we expected to have time to compare every auto insurance company to find the lowest rates?
Regrettably, nearly 70% of consumers have stayed with the same insurance company for over three years, and 38% of drivers have never even compared rates from other companies. With the average premium in the United States being $1,847, drivers could save as much as $860 each year just by getting comparison quotes, but they underestimate the large savings they would see if they changed companies.
It's important to do price comparisons once or twice a year since insurance prices are constantly changing. If you had the lowest rates on Toyota Camry insurance in Dallas on your last policy you may be paying too much now. Forget anything you know (or think you know) about auto insurance because you're going to learn the tricks you need to know to find better rates and still maintain coverage.
Locating the most cost-effective car insurance policy in Dallas is easy if you know what you're doing. Practically every person who shops for car insurance will find a lower-cost company. Although Texas car owners must comprehend the way insurance companies sell online because it can help you find the best coverage.
The quickest method to compare insurance rates in your area utilizes the fact most of the larger companies will pay a fee to quote your coverage. To start a quote, the only thing you need to do is take a few minutes to give details like if you require a SR-22, whether you drive to work or school, if the car is leased, and the make and model of your vehicles. That rating information gets transmitted to insurance carriers in your area and they return rate quotes almost instantly.
If you wish to get multiple quotes for your Toyota Camry now, click here and find out if lower rates are available in Dallas.
The companies in the list below offer quotes in Texas. To get the cheapest car insurance in Texas, we suggest you visit several of them to find the most affordable auto insurance rates.
|Model||Comp||Collision||Liability||Medical||UM/UIM||Annual Premium||Monthly Premium|
|Get Your Own Custom Quote Go|
Table data assumes single female driver age 30, no speeding tickets, no at-fault accidents, $500 deductibles, and Texas minimum liability limits. Discounts applied include claim-free, safe-driver, homeowner, multi-policy, and multi-vehicle. Information does not factor in your specific Dallas location which can modify rates significantly.
Impact of citations and accidents on Dallas insurance rates
The chart below shows how speeding tickets and at-fault collisions can increase Toyota Camry auto insurance rates for different ages of insureds. The price estimates are based on a single male driver, full coverage, $100 deductibles, and no other discounts are factored in.
Toyota Camry insurance costs by gender and age in Dallas
The diagram below compares Toyota Camry premium costs for male and female drivers. Data assumes a clean driving record, no claims, comp and collision included, $500 deductibles, drivers are not married, and no additional discounts are factored in.
Insurance quotes and discounts
Companies offering auto insurance don't always publicize the complete list of policy discounts very clearly, so we took the time to find a few of the more well known as well as some of the hidden discounts that you may qualify for. If you are not receiving all the discounts you qualify for, you could be paying more than you need to.
- Student Discount for Driver Training - Make teen driver coverage more affordable by requiring them to successfully take a driver's education course in high school.
- First Accident Forgiveness - This one is not really a discount per se, but some insurance companies may permit one accident before raising your premiums if you have no claims before the accident.
- Data Collection Discounts - Drivers who elect to allow driving data submission to track their driving habits through the use of a telematics system such as Progressive's Snapshot could see a rate decrease if they are good drivers.
- Pay Now and Pay Less - By making one initial payment rather than paying monthly you may have a lower total premium amount.
- Braking Control Discount - Anti-lock brake equipped vehicles are much safer to drive so you can save 10 percent or more.
- Senior Citizen Rates - Mature drivers are able to get reduced rates.
Don't be surprised that most discount credits are not given to the entire cost. A few only apply to the cost of specific coverages such as comprehensive or collision. So even though you would think all those discounts means the company will pay you, you aren't that lucky. But any discount will positively reduce your insurance premiums.
Insurance companies that may offer policyholders most of the discounts above include:
Before buying, ask all the companies how you can save money. Some of the earlier mentioned discounts may not be available everywhere. To see a list of insurance companies who offer free Toyota Camry insurance quotes in Texas, click here to view.
Do I need a local insurance agent?
Certain consumers just want to buy from a local agent and that is just fine! An additional benefit of price shopping on the web is that you can obtain cheap rate quotes and still choose a local agent.
Upon completion of this form (opens in new window), your information is transmitted to insurance agents in Dallas who want to provide quotes and help you find cheaper coverage. You won't even need to contact any agents as quotes are delivered to the email address you provide. You can most likely find cheaper rates without a big time investment. If you wish to compare rates from a specific company, you would need to find their quoting web page and submit a quote form there.
Finding a good provider is decision based upon more than just the bottom line cost. Get answers to these questions too.
- Do they have 24-hour customer assistance?
- Is insurance their full-time profession?
- Are claim adjusters local or do you have to take your car somewhere else?
- How long has the business existed?
- What is the financial rating for the quoted company?
- What insurance company do they write the most business with?
If you want to use a good insurance agency, it helps to know the two different agency structures and how they function. Car insurance agents in Dallas are categorized either exclusive or independent.
Exclusive Car Insurance Agencies
Exclusive agents have only one company to place business with such as Allstate, Farmers Insurance or State Farm. They usually cannot provide prices from multiple companies so always compare other rates. They receive extensive training on sales techniques which can be an advantage. Some people will only buy insurance from these agents mostly because of the brand name rather than low rates.
Shown below are exclusive insurance agents in Dallas who may provide you with rate quotes.
- State Farm: Dwight Hill
10300 N Central Expy #296 - Dallas, TX 75231 - (469) 232-2396 - View Map
- Ann Nguyen - State Farm Insurance Agent
12655 N Central Expy #310 - Dallas, TX 75243 - (214) 692-0900 - View Map
- Danny Venz - State Farm Insurance Agent
3218 Oak Lawn Ave - Dallas, TX 75219 - (214) 521-1400 - View Map
Independent Agents (or Brokers)
Agents that choose to be independent are not locked into one company and that allows them to write policies with many different companies and find the cheapest car insurance rates. If prices rise, they can switch companies in-house which requires no work on your part.
When comparison shopping, you need to get rate quotes from several independent insurance agents in order to compare the most rates. They often place coverage with less well-known companies that may have much lower rates than larger companies.
The following is a list of independent insurance agents in Dallas willing to provide rate quotes.
- Ross "Pistol" Love - Love Insurance Agency
5400 E Mockingbird Ln #224 - Dallas, TX 75206 - (214) 843-0772 - View Map
- Nationwide Insurance: Paula L Ratliff Agency Inc
11661 Preston Rd #146 - Dallas, TX 75230 - (214) 890-0760 - View Map
- Stewart Insurance Agency
437 W 12th St - Dallas, TX 75208 - (214) 948-7600 - View Map
Learn How to Lower Your Insurance Costs
Consumers need to have an understanding of some of the things that go into determining the rates you pay for car insurance. When you understand what controls the rates you pay, this enables you to make decisions that can earn you big savings. Many factors are used when you quote your car insurance policy. Most are fairly basic such as your driving history, but other criteria are more obscure such as your credit history or how financially stable you are.
Raising comp and collision deductibles lowers prices - Insurance for physical damage to your car, also called 'full coverage', helps pay for damage to your vehicle. Examples of covered claims would be a broken side mirror, flood damage, and damage from a fallen tree branch. The deductibles you choose are how much you are required to spend out-of-pocket in the event of a claim. The more expense the insured has to pay upfront, the better rate you will receive.
Lower prices with alarms and GPS tracking - Choosing a vehicle that has an advanced theft prevention system can help bring down rates. Advanced theft deterrents like tamper alarm systems, vehicle immobilizer technology and General Motors OnStar help track and prevent car theft and help bring rates down.
Older drivers pay less - More mature drivers tend to be more responsible, file fewer claims, and get fewer tickets.Youthful drivers are known to be more careless when driving so car insurance rates are higher.
No claims equals better prices - Companies in Texas award lower rates to policyholders who are claim-free. If you file a lot of claims you can definitely plan on higher rates. Your car insurance is intended to be relied upon for claims that you cannot pay yourself.
Five star crash test rating saves money - Cars with five star safety ratings get lower rates. Safe vehicles reduce occupant injuries and lower rates of occupant injuries translates into savings for insurance companies and thus lower rates. If your Toyota scored at minimum an "acceptable" rating on the Insurance Institute for Highway Safety website or four stars on the National Highway Traffic Safety Administration website you may qualify for a discount.
Pay more for higher performance vehicles - The performance level of the car or truck you drive makes a substantial difference in your rates. Due to the fact that the Toyota Camry is classified as a sedan, rates will be about the same when compared to the average rates in Dallas. Lower performance four cylinder passenger models usually have the lowest rates, but the final cost of insurance is determined by many other factors.
Liability protection limits should be high - The liability coverage on your policy will afford coverage in the event that you are responsible for causing personal injury or damage in an accident. Liability insurance provides for a legal defense which can cost a lot. Carrying liability coverage is mandatory and cheap compared to physical damage coverage, so buy as much as you can afford.
Marriage discount - Walking down the aisle actually saves money when buying car insurance. Having a significant other may mean you are more responsible it has been statistically shown that married drivers get in fewer accidents.
Insurance losses for a Toyota Camry - Insurers factor in historical loss data when setting rates for each model. Vehicles that the data shows to have higher claim frequency or loss amount will have higher rates for specific coverages. The table below outlines the insurance loss data for Toyota Camry vehicles.
For each insurance policy coverage type, the claim probability for all vehicles, as a total average, is a value of 100. Percentage numbers below 100 mean the vehicle has better than average losses, while numbers that are greater than 100 show a trend for more claims or statistically larger losses.
Toyota Camry Insurance Loss Statistics
|Vehicle Model||Collision||Property Damage||Comp||Personal Injury||Medical Payment||Bodily Injury|
|Toyota Camry Hybrid||124||100||110||118||127||96|
Statistics from IIHS.org for 2013-2015 Model Years
Best reasons to buy car insurance in Texas
Despite the fact that car insurance is not cheap in Dallas, paying for car insurance may be required for several reasons.
- Most states have mandatory liability insurance requirements which means you are required to buy a specific level of liability insurance coverage if you drive a vehicle. In Texas these limits are 30/60/25 which means you must have $30,000 of bodily injury coverage per person, $60,000 of bodily injury coverage per accident, and $25,000 of property damage coverage.
- If you have a lien on your Toyota Camry, it's guaranteed your bank will require that you have full coverage to ensure the loan is repaid in case of a total loss. If the policy lapses, the bank may insure your Toyota at a significantly higher premium and make you pay for the much more expensive policy.
- Car insurance protects not only your car but also your financial assets. It will also reimburse you for many types of medical costs incurred in an accident. As part of your policy, liability insurance also pays expenses related to your legal defense if you are sued as the result of your driving. If you have damage to your Toyota as the result of the weather or an accident, your policy will pay to repair the damage minus the deductible amount.
The benefits of buying enough insurance more than offset the price you pay, particularly when you have a large claim. According to a survey of 1,000 drivers, the average driver is overpaying more than $800 each year so smart consumers compare quotes each time the policy renews to ensure rates are inline.
You can lower your car insurance rates
You just read some good ideas how you can reduce Toyota Camry insurance auto insurance rates online in Dallas. The key concept to understand is the more you quote Dallas car insurance, the more likely it is that you will get a better rate. You may even discover the lowest auto insurance rates come from a company that doesn't do a lot of advertising.
As you go through the steps to switch your coverage, make sure you don't skimp on coverage in order to save money. Too many times, consumers will sacrifice liability limits or collision coverage to discover at claim time that it was a big error on their part. The proper strategy is to buy enough coverage at the best possible price, but don't skip important coverages to save money.
Insureds change insurance companies for many reasons like extreme rates for teen drivers, questionable increases in premium, poor customer service and even lack of trust in their agent. Regardless of your reason, switching car insurance companies is actually quite simple.
More information can be read on the following sites:
- Understanding Rental Car Insurance (Insurance Information Institute)
- Who Has Cheap Texas Auto Insurance Rates for a Learners Permit? (FAQ)
- What Car Insurance is Cheapest for Seniors in Texas? (FAQ)
- Who Has Cheap Car Insurance Quotes for College Students in Texas? (FAQ)
- Air Bags: Potential Dangers to Your Children (Insurance Information Institute)
- Credit and Insurance Scores (Insurance Information Institute)