Cheap Insurance for a Toyota Camry in Connecticut

Your chances of buying affordable insurance for a Toyota Camry in Connecticut is dependent upon a large number of factors like how old the vehicle is, whether or not you have had gaps between policies, and if your driving record shows any at-fault accidents. Drivers in Connecticut pay on average $890 every 12 months to insure a Toyota Camry, but that price is a valuation calculated based on a 50-year-old married male driver that includes full coverage and $250 policy deductibles.

Chances are good that you are not 50 years old and maybe not even male, you might be single instead of married, or maybe you live in a different part of Connecticut than the example. Auto insurance is unique to each driver, so the most reliable method for finding the cheapest insurance price for your Toyota is to shop your policy around every couple of years. Quotes are free and easy and you will receive prices from some of the most affordable companies that offer coverage in Connecticut.

Compare Toyota Camry Insurance Rates

The specific model of Camry can impact price, so the price to insure a Camry LE trim level will cost $150 less than the insurance cost for the high end Camry Hybrid version, as demonstrated by the prices below.

Data rating is based on married male driver age 50, no speeding tickets, no at-fault accidents, $250 deductibles, and Connecticut minimum liability limits. Discounts applied include multi-vehicle, multi-policy, homeowner, claim-free, and safe-driver. Rates do not factor in your specific Connecticut location which can impact premium rates greatly.

Locating low-priced insurance is easier said than done, and deciding which company has the most affordable car insurance rates for a Toyota Camry will involve even more work.

Every insurance provider has their own formula for determining rates in each state, so let’s rank the overall cheapest car insurance companies in Connecticut.

Find Cheaper Auto Insurance for Your Camry

Compare Rates and Save

Utica National normally has some of the best car insurance rates in Connecticut at around $1,005 a year. Travelers, Amica, USAA, and Nationwide also rank well as some of the cheaper Connecticut insurance companies.

In the above example, if you are insured with Nationwide and switched to Travelers, you might achieve an annual premium reduction of approxmiately $266. Customers with Unitrin could save as much as $405 a year, and State Farm insureds might reduce rates by $464 a year.

If you would like to find cheap insurance for a Toyota Camry in Connecticut, click here or quote prices from the following companies.

Remember that these premium estimates are averaged for all insureds and vehicles and do not take into consideration a specific rating modification for a Toyota Camry. So the auto insurance company that is most affordable for your situation may not even be shown in the company chart above. That’s why you need to get quotes using your own personal information and vehicle type.

The diagram below highlights how deductible choice can impact annual premium costs when quoting cheap insurance for a Toyota Camry. The information is based on a single female driver, comprehensive and collision coverage, and no discounts are applied.

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The chart above illustrates that a 40-year-old driver could lower their car insurance rates by $370 a year by switching their comprehensive and collision coverages from a $100 deductible up to a $500 deductible, or save $556 by changing to a $1,000 deductible. Even younger insureds, such as the Age 20 example, can save $950 every year by using a higher deductible.

If you do make the decision to raise your deductibles, it is necessary to have enough funds in savings to enable you to pay the extra out-of-pocket expense, which deters some people from using high deductibles.

Drive safe and save

The common sense way to snag affordable car insurance premiums in Connecticut for a Camry is to pay attention while driving and avoid accidents and violations. The diagram below highlights how traffic violations and accidents influence insurance prices for each different age group. The rates are based on a single female driver, full coverage, $500 deductibles, and no discounts are applied.

google.charts.setOnLoadCallback(drawVioqcibChart);function drawVioqcibChart() {var data = google.visualization.arrayToDataTable([[‘Age of Insured’, ‘No Violations or Accidents’, ‘Two Speeding Tickets and No Accidents’, ‘Two Speeding Tickets and Two Accidents’],[‘Age 20’, 2717,3335,5747],[‘Age 30’, 1857,2473,4887],[‘Age 40’, 1729,2347,4759],[‘Age 50’, 1513,2131,4543],[‘Age 60’, 1465,2081,4493],[‘Age 70’, 1717,2333,4747]]);var options = {title: ‘Impact of Violations and Accidents on Connecticut Toyota Camry Insurance’,titleTextStyle: {color: ‘#333’, fontSize: 17, bold: true},width: ‘100%’,height: 600,’chartArea’: {left:100,top:50,’width’: ‘100%’, ‘height’: ‘70%’},legend: {position: ‘bottom’,textStyle: {fontSize: 12}},colors:[‘#b2da64′,’#eed355′,’#e39e71’],hAxis: {title: ‘Annual Insurance Cost for a Toyota Camry in Connecticut’,minValue: 0,format: ‘$###,###’},vAxis: {title: ‘Age of Insured’}};var formatter = new google.visualization.NumberFormat({fractionDigits: 0,prefix: ‘$’});formatter.format(data,1);formatter.format(data,2);formatter.format(data,3);var chart = new google.visualization.BarChart(document.getElementById(‘qcibvio’));chart.draw(data, options);}

In the example above, the average cost of car insurance in Connecticut per year with no accidents or violations is $1,833. Factor in two speeding tickets and the average cost rises to $2,450, an increase of $617 each year. Then include two accidents along with the two speeding tickets and the 12-month cost of car insurance for a Toyota Camry jumps again to an average of $4,863. That’s an increase of $3,030, or $252 per month, just for not driving safely!

How to find more affordable insurance for a Toyota Camry

The list below details a few money-saving suggestions that can help drivers find low-cost car insurance.

• Increase your comprehensive and collision deductibles
• Safe vehicles generally have lower rates
• Good credit scores may lower your rates
• Remain accident-free and save
• Just one traffic violation will increase your rates
• Shop around once a year for cheaper rates

That final tip is incredibly necessary, as was affirmed in the prior article. Coverage prices in Connecticut can change considerably based on profitability, so don’t be afraid to switch carriers if a cheaper price is available. Staying with the same company for years is fine, but it’s not a great idea if that loyalty ends up costing a wad of cash every year. If you have a few minutes, now is a great time to compare rates and find cheaper insurance for a Toyota Camry.