Are you tired of overpaying and want the cheapest auto insurance rates in Houston, TX? Houston shoppers have options when shopping for the best price on Toyota Camry Hybrid insurance. You can either waste hours contacting agents to get rate comparisons or leverage the internet to find the lowest rates. There is a right way and a wrong way to shop for auto insurance and we’ll show you the quickest way to get price quotes for your Toyota and get the cheapest rates.
It’s shocking but over 70% of drivers have purchased from the same company for more than four years, and practically 40% of auto insurance customers have never compared rates with other companies. Texas drivers can cut their rates by up to $1,766 a year just by getting comparison quotes, but they mistakenly think it’s difficult to find lower-cost rates by getting comparison quotes.
It’s a good habit to get comparison quotes occasionally due to the fact that insurance prices go up and down regularly. If you had the best rates on Toyota Camry Hybrid insurance in Houston last year other companies may now be cheaper. There is too much inaccurate information about Camry Hybrid insurance on the internet, but in this article, you’re going to get some proven techniques to stop overpaying for insurance in Houston.
Affordable rates by receiving discounts
Car insurance companies don’t list the entire discount list very clearly, so below is a list some of the more common and also the lesser-known credits available to lower your premiums when you buy Houston auto insurance online.
- Passenger Safety Discount – Vehicles equipped with air bags could see savings of 20 to 30 percent.
- Home Ownership Discount – Being a homeowner may earn you a small savings since owning and maintaining a home means you have a higher level of financial diligence.
- Discount for Swiching Early – A few companies give discounts for renewing your policy prior to your current Camry Hybrid insurance policy expiring. You may see this discount when you get Houston auto insurance quotes online.
- Employee of Federal Government – Having worked for a branch of the government may reduce rates when you quote Houston auto insurance but check with your company.
- One Accident Forgiven – This isn’t a discount exactly, but a few companies such as Progressive, State Farm and GEICO may permit one accident without raising rates so long as you are claim-free for a set time period.
Don’t be shocked that some credits don’t apply to the whole policy. A few only apply to specific coverage prices like liability and collision coverage. Even though the math looks like adding up those discounts means a free policy, you aren’t that lucky.
Larger insurance companies and their offered discounts are detailed below.
- State Farm offers premium reductions for multiple policy, safe vehicle, passive restraint, good driver, accident-free, and good student.
- GEICO has discounts for five-year accident-free, multi-policy, good student, federal employee, and emergency military deployment.
- Liberty Mutual includes discounts for newly married, multi-car, hybrid vehicle, newly retired, and new vehicle discount.
- The Hartford may include discounts for vehicle fuel type, bundle, defensive driver, anti-theft, driver training, and good student.
- MetLife may offer discounts for claim-free, good student, accident-free, defensive driver, and good driver.
- Progressive offers discounts for good student, homeowner, multi-vehicle, multi-policy, continuous coverage, online signing, and online quote discount.
It’s a good idea to ask all companies you are considering what discounts are available to you. All car insurance discounts might not be offered in every state.
The best way we recommend to compare rate quotes for Toyota Camry Hybrid insurance in Houston is to know the trick almost all companies pay for the opportunity to compare their rates. The only thing you need to do is give them some information such as daily mileage, types of safety features, the ages of drivers, and how much coverage you want. Your information is instantly provided to many different companies and you will receive price estimates with very little delay.
To compare rates for your Toyota Camry Hybrid now, click here and complete the form.
The following companies are our best choices to provide comparison quotes in Houston, TX. If several companies are displayed, it’s highly recommended you compare several of them to get a more complete price comparison.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Camry Hybrid | $326 | $672 | $520 | $30 | $156 | $1,704 | $142 |
| Get Your Own Custom Quote Go | |||||||
Data based on single male driver age 40, no speeding tickets, no at-fault accidents, $250 deductibles, and Texas minimum liability limits. Discounts applied include multi-vehicle, homeowner, claim-free, safe-driver, and multi-policy. Rate quotes do not factor in specific garaging location which can influence premium rates greatly.
Where to set your deductibles
The diagram below illustrates how choosing a deductible and can increase or decrease Toyota Camry Hybrid insurance prices for different insured age categories. The costs are based on a married female driver, comprehensive and collision coverage, and no discounts are applied to the premium.
Price comparison of only insuring for liability
The chart below visualizes the comparison of Toyota Camry Hybrid car insurance costs when comparing full coverage to liability only. The rates are based on a clean driving record, no claims, $1,000 deductibles, married female driver, and no discounts are factored in.
Are you wasting money on full coverage?
There is no definitive formula that is best for determining when to drop physical damage coverage on your policy, but there is a guideline you can use. If the annual cost of your full coverage insurance is about 10% or more of any settlement you would receive from your insurance company, then you might consider buying liability only.
For example, let’s say your Toyota Camry Hybrid book value is $4,000 and you have $1,000 deductibles. If your vehicle is severely damaged, the most you would receive is $3,000 after paying the physical damage deductible. If premium cost is more than $300 annually for comprehensive and collision coverage, then you might consider buying liability only.
There are some conditions where removing full coverage is not a good plan. If you still owe a portion of the original loan, you have to keep full coverage to protect the lienholder’s interest in the vehicle. Also, if your finances do not allow you to purchase a different vehicle if your current one is totaled, you should keep full coverage.
Auto insurance rates are higher with tickets and accidents
The illustration below shows how violations and fender-benders increase Toyota Camry Hybrid car insurance costs for different age groups. The price estimates are based on a married female driver, comp and collision included, $100 deductibles, and no other discounts are factored in.
Independent or exclusive car insurance agents
A lot of people still prefer to get professional advice from a licensed agent and doing so can bring peace of mind Most agents can make sure you are properly covered and give you someone to call. The biggest benefit of comparing insurance prices online is that you can find lower rates but also keep your business local.
For easy comparison, once you complete this short form, your coverage information is sent to insurance agents in Houston who will give you bids to get your business. It makes it easy because there is no need to find an agent on your own because prices are sent to you instantly. If you have a need to get a price quote from a specific insurance company, you would need to find their quoting web page and complete a quote there.
Selecting an insurer needs to be determined by more than just a cheap price. Some important questions to ask are:
- Are they able to influence company decisions when a claim is filed?
- What kind of financial rating does the company have?
- How long have they worked with personal auto insurance coverage?
- Will one accident increase rates?
- When do they do policy reviews?
- Does the quote include credit and driving reports?
The following are agents in Houston that may be willing to give price quote information for Toyota Camry Hybrid insurance in Houston.
- Anna Santa Ana – State Farm Insurance Agent
7710 Cherry Park Dr d – Houston, TX 77095 – (281) 550-0333 – View Map - State Farm: Jack Wallace
3405 Mercer St – Houston, TX 77027 – (713) 626-7500 – View Map - AA-USA-Insurance
702 W Sam Houston Pkwy S – Houston, TX 77042 – (713) 914-0354 – View Map - Gem Insurance Agencies
3355 W Alabama St #850 – Houston, TX 77098 – (713) 622-2330 – View Map
A conclusion for your auto insurance search
Consumers switch companies for a number of reasons such as questionable increases in premium, high prices, lack of trust in their agent and unfair underwriting practices. No matter why you want to switch, switching auto insurance companies can be easy and end up saving you some money.
Throughout this article, we presented some good ideas how you can save on Toyota Camry Hybrid insurance in Houston. The key thing to remember is the more companies you get rates for, the better chance you’ll have of finding affordable Houston auto insurance quotes. Consumers could even find that the best price on auto insurance is with an unexpected company.
As you shop your coverage around, make sure you don’t buy poor coverage just to save money. There are too many instances where someone dropped collision coverage and found out when filing a claim that saving that couple of dollars actually costed them tens of thousands. Your goal should be to find the BEST coverage at an affordable rate, not the least amount of coverage.
More tips and info about auto insurance can be found by following these links:
- What if I Can’t Find Coverage? (Insurance Information Institute)
- Who Has Affordable Houston Auto Insurance Quotes for Real Estate Agents? (FAQ)
- How Much are Houston Car Insurance Quotes for Immigrants? (FAQ)
- Who Has Cheap Auto Insurance Quotes for High School Students in Houston? (FAQ)
- Neck Injury FAQ (iihs.org)
- New head restraint design cuts injuries (Insurance Institute for Highway Safety)
- Senior Drivers (Insurance Information Institute)