Buying the cheapest coverage for a Toyota Camry in Pennsylvania is fairly easy, but it hinges on many different factors such as how safe your vehicle is, your profession, and citations or violations on your driving record. Drivers in Pennsylvania pay approximately $994 annually for Camry insurance, but that is a valuation based on a 30-year-old single male driver with both comprehensive and collision coverage and $500 deductibles.
Most likely you’re not a 30-year-old male, maybe you are married instead of single, or maybe your Camry doesn’t need full coverage. Having what appears to be a very minor change in the factors used in pricing a policy can result in a massive change in the coverage rate.
Insurance is an individual thing, so the only way to find affordable rates for your Toyota is to compare as many rates as possible.
The specific model of Camry tends to impact the cost of coverage, so the cost to insure a Camry LE model will be $166 less than the cost to insure the fancier Camry Hybrid version, as demonstrated by the prices below.
|Model||Comp||Collision||Liability||Medical||UM/UIM||Annual Premium||Monthly Premium|
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Data variables include single male driver age 30, no speeding tickets, no at-fault accidents, $500 deductibles, and Pennsylvania minimum liability limits. Discounts applied include multi-policy, multi-vehicle, claim-free, safe-driver, and homeowner. Premium costs do not factor in vehicle location which can alter price quotes considerably.
Finding reliable, budget insurance is not most people’s favorite thing to do, and figuring out which insurers offer the most affordable car insurance rates for a Toyota Camry involves even more diligence. Every auto insurer uses a different method for determining prices, so we’ll go over the most affordable car insurance companies in Pittsburgh, PA.
It’s a good idea to be aware that Pennsylvania car insurance rates are impacted by many factors that may substantially change the price of coverage. This is why it is important to perform an extensive rate comparison to get the lowest car insurance rates for a Toyota Camry. Rates are determined by many different factors and can increase or decrease at any time, so the cheapest company the last time you compared rates may now be one of the higher cost companies.
Find Cheaper Car Insurance for Your Camry
|Rank||Company||Cost Per Year|
|16||Mutual Benefit Group||$1,411|
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General Casualty has some of the best car insurance rates in Pittsburgh at around $718 annually. Erie, Penn National, Travelers, and USAA also are some of the most economical Pittsburgh, PA auto insurance companies.
In this example, if you are a customer of Erie and switched to General Casualty, you might see an annual premium reduction of in the vicinity of $74. Policyholders with Penn National may save as much as $90 a year, and Travelers customers might cut rates by $93 a year.
Be aware that those premiums are averaged for all drivers and vehicles in Pennsylvania and and are not figured with an exact zip code location for a Toyota Camry. So the company that is best for you may not even be in the list above. That’s why you need to get rate quotes using your own specific driver and vehicle information.
Types of discounts on Pittsburgh auto insurance rates
Insurance companies that provide policies for a Toyota Camry may also give you discounts that can lower rates by 35% or more if you are eligible for them. Larger car insurance companies and a summarized list of policyholder discounts are shown below.
- State Farm offers discounts including defensive driving training, driver’s education, anti-theft, accident-free, passive restraint, multiple policy, and Drive Safe & Save.
- Nationwide may have discounts that include multi-policy, business or organization, anti-theft, accident-free, and defensive driving.
- GEICO has savings for driver training, air bags, federal employee, seat belt use, and military active duty.
- AAA may offer discounts for anti-theft, education and occupation, pay-in-full, multi-car, and multi-policy.
- 21st Century includes discounts for homeowners, air bags, defensive driver, theft prevention, 55 and older, early bird, and driver training.
- The Hartford offers premium reductions for air bag, vehicle fuel type, driver training, anti-theft, defensive driver, and bundle.
The example below illustrates the comparison of car insurance rates with and without discounts being applied to the rates. The data assumes a male driver, no accidents or driving violations, Pennsylvania state minimum liability limits, comprehensive and collision coverage, and $1,000 deductibles. The first bar for each age group shows the price with no discounts. The lower bar shows the rates with anti-theft, marriage, defensive driving course, safe-driver, accident-free, and vehicle safety discounts applied. When drivers take advantage of discounts, the average savings per year on car insurance for a Toyota Camry is 28% or $481.
The diagram below demonstrates how deductibles can increase or decrease insurance prices when searching for cheap insurance for a Toyota Camry. The prices are based on a single male driver, comprehensive and collision coverage, and no other discounts are factored in.
In the chart above, a 50-year-old driver could pocket $368 a year by increasing from a $100 deductible up to a $500 deductible, or save $552 by selecting a $1,000 deductible. Even younger insureds, like the Age 20 category, can save $1,222 each year just by using higher deductibles.
When increasing deductibles, it is important to have additional funds squirreled away to satisfy the extra out-of-pocket expense, which deters some people from using high deductibles.
How to find the cheapest auto insurance for a Toyota Camry
Lowering your rates is not difficult, and here are many money-saving ideas that can help you buy cheaper coverage.
- Save money by insuring older vehicles for liability only
- Serious violations like DUI or reckless driving can increase rates dramatically
- Raise your physical damage coverage deductibles
- Staying accident-free helps keep rates low
- Good credit can mean cheaper rates
- Choose a safer vehicle and pay lower rates
- Compare rates regularly to ensure the best deal
The last idea is incredibly vital, as was affirmed in the prior information. Prices charged by car insurance companies vary greatly, so don’t be afraid to switch carriers if you can find a cheaper rate. Having a favorite company is great, but it isn’t a good idea if that stubbornness costs you lots of hard earned cash every month. In less than five minutes you could shop around to find cheaper car insurance for a Toyota Camry in Pittsburgh.
If you have coverage questions and would like to have a consultation when shopping for cheaper insurance for a Camry, the agents shown below can answer your questions and help you decide which coverages are best. To find a Pittsburgh insurance agency using an interactive map, click the button after the list or click here to compare rates now.
Masters Insurance Services
1719 Ardmore Blvd – Pittsburgh, PA 15221 – (412) 351-2448
McGroarty and Bradburn Insurance
4175 Steubenville Pike – Pittsburgh, PA 15205 – (412) 444-4470
Lindsay Brown – State Farm Insurance Agent
300 Cedar Blvd #205 – Pittsburgh, PA 15228 – (412) 344-3030
A For the People Insurance Agency, Inc.
2514 Wylie Ave – Pittsburgh, PA 15219 – (412) 621-5581