Affordable Rate Quotes for Toyota Camry Insurance in Tulsa

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Trying to find low cost Toyota Camry insurance in Tulsa is always hard for drivers who are beginners to comparison shopping online. When there are so many insurers to choose from, it can quickly become a burden to lower your prices on Toyota Camry insurance.

How to find lower priced Toyota Camry insurance in Tulsa

The recommended way to get low-cost Toyota Camry insurance in Tulsa is to make a habit of regularly comparing prices from different companies in Oklahoma. Price quotes can be compared by following these steps.

  • First, spend some time learning about auto insurance and the things you can control to prevent high rates. Many risk factors that are responsible for high rates like your driving record and a not-so-good credit rating can be amended by making lifestyle changes or driving safer.
  • Second, quote rates from independent agents, exclusive agents, and direct companies. Direct companies and exclusive agencies can only give prices from one company like GEICO or Farmers Insurance, while independent agencies can quote prices from multiple companies.
  • Third, compare the new quotes to your current policy premium and see if there is a cheaper rate in Tulsa. If you can save money and make a switch, ensure coverage does not lapse between policies.
  • Fourth, provide notification to your current company of your decision to cancel your current auto insurance policy and submit a completed policy application and payment for the new coverage. Once received, put the certificate verifying coverage in an accessible location in your vehicle.

One tip to remember is to compare the same deductibles and limits on each quote request and and to compare as many companies as you can. This provides a level playing field and and a good selection of different prices.

Insurance quote for Toyota Camry in TulsaIt's a known fact that car insurance companies don't want policyholders to shop around. Consumers who shop around for the cheapest rate are highly likely to buy a new policy because the odds are good of finding more affordable rates. A recent survey revealed that drivers who regularly shopped around saved an average of $72 a month compared to other drivers who didn't regularly shop around.

If finding the lowest price on car insurance in Tulsa is your intention, then having some knowledge of how to get free comparison quotes and analyze auto insurance can make it easier for you to save money.

If you are already insured, you will definitely be able to lower your rates using this information. Pricing more affordable insurance in Tulsa is easy if you know what you're doing. But Oklahoma drivers do need to know the methods companies use to charge you for coverage because it can help you find the best coverage.

Buy Tulsa Toyota Camry insurance online

To get cheaper Tulsa auto insurance quotes, there a variety of ways to obtain and compare prices from companies that offer insurance in Oklahoma. The quickest method to do a complete rate comparison is to use the internet to compare rates.

When quoting insurance, remember that having more price comparisons increases your odds of finding more affordable rates.

The providers in the list below can provide price comparisons in Tulsa, OK. To buy cheap car insurance in Tulsa, it's a good idea that you visit two to three different companies to get the best price comparison.

Insurance quotes and discounts

Companies offering auto insurance don't necessarily list every discount available very clearly, so the list below details both well-publicized as well as some of the hidden credits that you can use to lower your rates.Insurance discounts

  • Pay Now and Pay Less - If you pay your entire premium ahead of time instead of making monthly payments you can avoid the installment charge.
  • Discount for Swiching Early - Select insurance companies give a discount for switching policies before your current coverage expires. You can save around 10% with this discount.
  • No Charge for an Accident - This isn't a discount exactly, but some insurance companies will allow you to have one accident before they charge you more for coverage with the catch being you have to be claim-free prior to the accident.
  • Discount for Life Insurance - Not all insurance companies offer life insurance, but some may give you lower premium rates if you buy life insurance.
  • Paper-free Discount - A few insurance companies may give you up to $50 shop Tulsa auto insurance over the internet.
  • Clubs and Organizations - Participating in a civic or occupational organization in Tulsa could trigger savings when shopping for insurance.
  • Military Discounts - Being on active duty in the military could trigger a small discount.
  • Responsible Driver Discounts - Drivers who don't get into accidents can save up to 40% or more on their Tulsa auto insurance quote as compared to drivers with claims.
  • Anti-lock Brake Discount - Cars and trucks that have anti-lock braking systems can reduce accidents and will save you 10% or more on Camry insurance in Tulsa.

Drivers should understand that most credits do not apply to the entire cost. Some only apply to specific coverage prices like comp or med pay. Despite the appearance that all the discounts add up to a free policy, companies don't profit that way.

The diagram below shows the difference between Toyota Camry car insurance rates with and without policy discounts. The premiums are based on a male driver, no claims or violations, Oklahoma state minimum liability limits, full coverage, and $100 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with multi-policy, homeowner, marriage, multi-car, claim-free, and safe-driver discounts applied.

Companies and a partial list of their discounts are detailed below.

  • 21st Century has discounts for homeowners, 55 and older, anti-lock brakes, driver training, and automatic seat belts.
  • State Farm has savings for passive restraint, accident-free, multiple policy, Steer Clear safe driver discount, and multiple autos.
  • AAA discounts include good driver, anti-theft, pay-in-full, good student, education and occupation, and multi-policy.
  • Liberty Mutual may have discounts that include exclusive group savings, safety features, hybrid vehicle, teen driver discount, new graduate, and multi-policy.
  • Progressive may offer discounts for homeowner, online quote discount, continuous coverage, multi-policy, online signing, and multi-vehicle.

Double check with every insurance company to apply every possible discount. Some of the earlier mentioned discounts may not apply in Tulsa. To choose insurance companies that provide some of the discounts listed above in Tulsa, click this link.

Car insurance data for a Toyota Camry

The premium table displayed next covers detailed analysis of rate quotes for Toyota Camry models. Learning as much as possible about how car insurance premiums are formulated can aid in making informed purchases.

Toyota Camry Insurance Rates in Tulsa, OK
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Camry LE $266 $484 $422 $24 $126 $1,322 $110
Camry SE $266 $572 $422 $24 $126 $1,410 $118
Camry XLE $266 $572 $422 $24 $126 $1,410 $118
Camry Hybrid $302 $572 $476 $28 $142 $1,520 $127
Get Your Own Custom Quote Go

Premium data assumes married female driver age 50, no speeding tickets, no at-fault accidents, $250 deductibles, and Oklahoma minimum liability limits. Discounts applied include claim-free, multi-vehicle, homeowner, multi-policy, and safe-driver. Information does not factor in vehicle location which can decrease or increase coverage prices considerably.

Analysis of deductible levels

When comparing car insurance rates, the most common question is which deductible level should you buy. The comparison tables below highlight how much more rates are of buying low and high insurance deductibles. The first rate table uses a $250 deductible for physical damage and the second price chart uses a $500 deductible.

Toyota Camry insurance with $250 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Camry LE $346 $584 $448 $26 $134 $1,563 $130
Camry SE $346 $688 $448 $26 $134 $1,667 $139
Camry XLE $346 $688 $448 $26 $134 $1,667 $139
Camry Hybrid $392 $688 $506 $30 $152 $1,793 $149
Get Your Own Custom Quote Go
Toyota Camry insurance with $500 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Camry LE $282 $472 $448 $26 $134 $1,362 $114
Camry SE $282 $554 $448 $26 $134 $1,444 $120
Camry XLE $282 $554 $448 $26 $134 $1,444 $120
Camry Hybrid $318 $554 $506 $30 $152 $1,560 $130
Get Your Own Custom Quote Go

Data variables include married male driver age 30, no speeding tickets, no at-fault accidents, and Oklahoma minimum liability limits. Discounts applied include multi-policy, homeowner, claim-free, safe-driver, and multi-vehicle. Table data does not factor in vehicle location which can decrease or increase coverage rates considerably.

Based on the data above, we can derive that using a $250 deductible will cost in the ballpark of $18 more each month or $216 annually averaged for all Camry models than requesting the higher $500 deductible. Because you would pay $250 more to file a claim with a $500 deductible as compared to a $250 deductible, if you tend to average more than 14 months between claims, you would probably be better off by selecting a higher deductible.

The diagram below demonstrates how choosing different deductibles and can increase or decrease Toyota Camry insurance prices for different age groups. The rates are based on a single female driver, comp and collision included, and no additional discounts are factored in.

Car insurance rates by gender and age

The diagram below illustrates the difference between Toyota Camry insurance prices for male and female drivers. The premium estimates are based on no accidents or driving violations, full coverage, $100 deductibles, marital status is single, and no discounts are applied.

Full coverage or liability only

The illustration below shows the comparison of Toyota Camry auto insurance rates when comparing full coverage to state minimum liability only. The information is based on a clean driving record, no claims, $250 deductibles, marital status is single, and no additional discounts are factored in.

When to switch to liability coverage only

There is no clear-cut formula of when to stop paying for full coverage, but there is a general 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 replacement cost is $6,000 and you have $1,000 physical damage deductibles. If your vehicle is totaled, the most you would receive is $5,000 after paying your deductible. If it's costing in excess of $500 a year to have full coverage, then it could be time to drop full coverage.

There are some circumstances where buying only liability insurance is not financially feasible. If you have an outstanding loan on your vehicle, you are required to maintain full coverage in order to satisfy the requirements of the loan. Also, if you don't have enough money to buy a different vehicle if your current one is in an accident, you should not remove full coverage.

What Determines Toyota Camry Insurance Costs?

Many different elements are taken into consideration when you get a price on insurance. Some of the criteria are obvious such as your driving history, although some other factors are not quite as obvious such as your credit history or how safe your car is. An important part of buying insurance is that you know the factors that help calculate the level of your policy premiums. If you have a feel for what determines base rates, this allows you to make educated decisions that may result in lower car insurance prices.

The following are a partial list of the pieces used by insurance companies to determine your premiums.

Drive a fast car, truck or SUV and pay more - The make and model of the car, truck or SUV you are trying to find cheaper insurance for makes a huge difference in your car insurance bill. Lower cost passenger vehicles receive the most favorable rates, but many other things help determine your insurance rates.

The following data assumes a single male driver age 20, full coverage with $500 deductibles, and no discounts or violations. It compares Toyota Camry insurance premiums compared to other models of vehicles that have different risk factors.

Your occupation may affect premiums - Did you know your job can affect your rates? Occupational choices like judges, executives, and financial analysts tend to have higher rates than the rest of us in part from high stress levels and long work hours. Conversely, careers like scientists, students and the unemployed have the lowest average rates.

Big city or small town - Being located in a small town has definite advantages when it comes to car insurance. Lower population translates into fewer accident claims. People who live in big cities regularly have much more traffic and much longer commute distances. More time behind the wheel means more chances of being involved in an auto accident.

Too many insurance claims and you'll pay more - Car insurance companies in Oklahoma award cheaper rates to policyholders who do not file claims often. If you file a lot of claims you can expect increased rates or even have your policy non-renewed. Insurance coverage is intended to be relied upon for claims that pose a financial burden.

Bad driving means higher prices - Being a careful driver has a big impact on rates. Just one speeding ticket may increase your cost twenty percent or more. Attentive drivers pay less for auto insurance than people who have multiple driving citations. Drivers unfortunate enough to have license-revoking citations like DUI or willful reckless driving might be required by their state to file a proof of financial responsibility form (SR-22) with their state motor vehicle department in order to continue driving.

The information below demonstrates how traffic citations and accident claims raise Toyota Camry insurance costs for each age group. The prices are based on a single female driver, full coverage, $500 deductibles, and no discounts are applied.

Safer the car lower the rate - Vehicles with good safety scores are cheaper to insure. Vehicles built for safety reduce injuries and any reduction in injury severity means less claims paid and lower rates for you. If your Toyota Camry earned at least four stars on Safercar.gov you may pay a lower rate.

Toyota Camry insurance loss data - Companies include the past claim trends for vehicles to help calculate a profitable premium rate. Vehicles that have increased claim numbers or amounts will be charged more to insure.

The next table shows the insurance loss data for Toyota Camry vehicles. For each policy coverage type, the loss probability for all vehicles, as a total average, is a value of 100. Numbers that are below 100 are indicative of better than average losses, while percentages above 100 indicate more frequent claims or a tendency for claims to be larger.

Toyota Camry Insurance Loss Statistics
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
BETTER
AVERAGE
WORSE

Statistics from IIHS.org for 2013-2015 Model Years

Insurance agencies are professional risk managers

Certain consumers would prefer to visit with an insurance agent and there is nothing wrong with that. One of the benefits of comparing rate quotes online is you may find cheap rate quotes and still buy from a local agent.

Find insurance agent in TulsaFor easy comparison, once you complete this short form, the coverage information gets sent to insurance agents in Tulsa who will give you quotes and help you find cheaper coverage. You don't have to even leave your home due to the fact that quote results will go to you instantly. You can most likely find cheaper rates and work with a local agent. If you need to get a comparison quote from a specific company, you would need to visit that company's website to submit a rate quote request.

Choosing the best provider should include more criteria than just a cheap price quote. The following questions are important to ask.

  • Is the agency active in community causes in Tulsa?
  • Can they provide you with a list of referrals?
  • Which insurance company do they prefer to write with?
  • Does the agent have a valid license to sell insurance in Oklahoma?
  • Can glass repairs be made at your home?
  • Does the agent have professional designations like CIC, CPCU or AIC?
  • When do they do a full risk review?

Different types of car insurance agents in Tulsa

When looking for a reliable agent, you must know there are a couple different types of agents to choose from. Insurance agencies in Tulsa can be categorized as either independent (non-exclusive) or exclusive.

Exclusive Insurance Agencies

Exclusive agents can usually just insure with one company and examples are State Farm, Allstate and AAA. They usually cannot shop your coverage around so always compare other rates. Exclusive insurance agents are usually well trained in insurance sales which helps offset the inability to provide other markets. Consumers frequently use the same agent primarily because of the brand name and the convenience of having all coverages with one company.

Listed below is a list of exclusive agents in Tulsa that are able to give comparison quotes.

More Tulsa agents

Independent Agents

Agents in the independent channel do not sell for just one brand so they can quote policies with multiple insurance companies and get the cheapest rates. If you want to switch companies, your agent can just switch to a different company without you having to go to a different agency.

When comparing rate quotes, we highly recommend that you check rates from a few independent agents to ensure the widest selection of prices. They also have the ability to place coverage with companies that do not advertise much that may have much lower rates than larger companies.

Shown below is a short list of independent agencies in Tulsa that are able to give rate quotes.

More Tulsa agents

Persistence is the key to affordable rates

You just read a lot of tips how to find cheaper Toyota Camry insurance in Tulsa. It's most important to understand that the more companies you get premium rates for, the better your comparison will be. You may even discover the biggest savings come from a small mutual company.

People leave their current company for any number of reasons including policy cancellation, delays in paying claims, high prices or high rates after DUI convictions. No matter why you want to switch, switching car insurance companies is pretty easy and you might even save some money in the process.

As you go through the steps to switch your coverage, never skimp on coverage in order to save money. In too many instances, an insured cut physical damage coverage and discovered at claim time that it was a big mistake. Your focus should be to buy a smart amount of coverage at a price you can afford, but don't skip important coverages to save money.

Steps to finding lower priced Toyota Camry insurance in Tulsa

Truthfully, the best way to find lower priced Toyota Camry insurance in Tulsa is to compare prices annually from providers who sell auto insurance in Oklahoma.

Step 1: It will benefit you to learn about what is in your policy and the measures you can control to lower rates. Many risk factors that result in higher prices like multiple speeding tickets and a less-than-favorable credit history can be remedied by making minor changes to your lifestyle.

Step 2: Request price quotes from direct, independent, and exclusive agents. Exclusive and direct companies can give quotes from a single company like GEICO or Allstate, while independent agencies can quote prices for a wide range of companies. View insurance agents

Step 3: Compare the new quotes to the price on your current policy and see if there is a cheaper rate. If you can save some money and buy the policy, make sure there is no lapse in coverage.

Step 4: Give notification to your current company to cancel your current coverage and submit the signed application along with the required initial payment for your new policy. Once coverage is bound, keep the new certificate verifying proof of insurance in an easily accessible location in your vehicle.

The most important part of this process is to use identical deductibles and limits on each price quote and to quote with as many companies as you can. This guarantees the most accurate price comparison and maximum price selection.

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