Cheapest Insurance for a Toyota Camry in Oregon

Whenever people write about auto insurance, the words “cheap” or “affordable” should not be used anywhere in the article to describe car insurance prices. Regardless, cheap auto insurance for a Toyota Camry is just plain contradictory. Don’t let that ruin your day, because we will teach you how you can find auto insurance that you can afford.

Whether or not you can find the best cheap car insurance for a Toyota Camry in Oregon depends upon lots of different factors like how you use your vehicle, the performance level of your vehicle, and if your driving record is clean. Oregon drivers pay approximately $1,030 every 12 months to buy insurance for a Toyota Camry, but that figure is a valuation using a 30-year-old married female that includes full coverage and $100 policy deductibles.

More likely than not, you aren’t exactly 30 years old or even a female, possibly single instead of married, and maybe you want different deductibles. What people think is a minor change in the criteria used to calculate rates can lead to a significant difference in the policy rate.

Every driver has a different risk profile, so the best method for finding cheap insurance rates for your Toyota is to just compare rates yourself. Quotes are always free and you will receive price comparisons from top-rated companies that sell coverage in Oregon.

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The specific trim level will influence the cost of coverage, so the price you will pay to insure a Camry LE model will be $180 lower than the price to insure the high end Camry Hybrid trim level, as demonstrated by the prices below.

Data variables include married female driver age 30, no speeding tickets, no at-fault accidents, $100 deductibles, and Oregon minimum liability limits. Discounts applied include multi-policy, safe-driver, homeowner, claim-free, and multi-vehicle. Rate information does not factor in Oregon location which can modify premiums substantially.

Finding the right car insurance provider can be challenging considering how many companies provide coverage in Oregon. The rank data displayed below can help you pick which car insurance companies to look at comparing rates from. The rankings below are for companies with a national presence, so smaller companies are not included in these rankings.

Top 10 Large Auto Insurers in Oregon Ranked by Value

1. USAA
2. American Family
3. The Hartford
4. The General
5. State Farm
6. AAA Insurance
7. Nationwide
8. Allstate
9. Esurance
10. Safeco

Top 10 Large Auto Insurers in Oregon Ranked by Customer Satisfaction

1. USAA – 94%
2. AAA Insurance – 91%
3. Nationwide – 90%
4. State Farm – 90%
5. GEICO – 89%
6. The Hartford – 89%
7. The General – 88%
8. 21st Century – 88%
9. Allstate – 88%
10. Liberty Mutual – 88%

Top Companies for Toyota Camry Insurance in Oregon

The example below demonstrates how deductibles can increase or decrease insurance rates when searching for cheap insurance for a Toyota Camry. The premiums assume a married female driver, full physical damage coverage, and no discounts are taken into consideration.

google.charts.setOnLoadCallback(drawDfdqcibChart);function drawDfdqcibChart() {var data = google.visualization.arrayToDataTable([[‘Age of Insured’, ‘$100 Deductible’,’$250 Deductible’,’$500 Deductible’,’$1,000 Deductible’],[‘Age 20’, 2565,2337,2081,1835],[‘Age 30’, 1801,1637,1449,1269],[‘Age 40’, 1779,1619,1437,1263],[‘Age 50’, 1555,1417,1261,1113],[‘Age 60’, 1483,1351,1201,1059],[‘Age 70’, 1603,1459,1303,1153]]);var options = {title: ‘Effect of Higher Deductibles on Toyota Camry Insurance Rates in Oregon’,titleTextStyle: {color: ‘#333’,fontSize: 17,bold: true},width: ‘100%’,height: 700,’chartArea’: {left:100,top:50,’width’: ‘100%’,’height’: ‘80%’},legend: {position: ‘bottom’,textStyle: {fontSize: 12}},bar: {groupWidth: ‘80%’},colors: [‘#6791b9′,’#75a8d8′,’#98bee2′,’#bad4ec’],hAxis: {title: ‘Annual Insurance Cost for a Toyota Camry’,minValue: 0,format: ‘$###,###’},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);formatter.format(data,4);var chart = new google.visualization.BarChart(document.getElementById(‘qcibdfd’));chart.draw(data, options);}

A 50-year-old driver could pocket $294 a year by changing from a $100 deductible up to a $500 deductible, or save $442 by changing to a $1,000 deductible. Even younger drivers, such as the Age 20 example, can cut $730 or even more just by using higher deductibles. When increasing deductibles, it is necessary to have plenty of money set aside to offset the extra out-of-pocket expense. That is the one disadvantage of using higher deductibles.

Here’s why you should shop around

Oregon insurance rates are impacted by many things which can significantly increase or decrease the price you pay. Getting older, buying a home instead of renting, or getting a DUI can produce rate changes resulting in some companies being more affordable than competitors. Not only that, but car insurance companies change their prices multiple times each year to adjust for heavy claims or excess profits. Heavy losses can result in more expensive prices, while less frequent claims can cause cheaper Camry insurance rates.

For example, the data below demonstrates which company has the cheapest car insurance in Oregon for a 30-year-old male driver with a good driving record, no prior claims, and good credit. When quoting prices based on his current situation, Grange offers the most affordable car insurance rates in Oregon at $687 per year. This is $791 less than the average policy premium paid by Oregon drivers of $1,478. Country, Oregon Mutual, Travelers, and USAA round out the rest of the top five cheapest Oregon auto insurance companies.

google.charts.setOnLoadCallback(drawORWitcqcibChart);function drawORWitcqcibChart() {var data = google.visualization.arrayToDataTable([[‘Company’, ‘Rate’, { role: ‘style’ }],[‘Grange’, 687, ‘#629100’],[‘Country’, 822, ‘#517800’],[‘Oregon Mutual’, 828, ‘#436400’],[‘Travelers’, 924, ‘#375300’],[‘USAA’, 950, ‘#2D4500’]]);var options = {title: ‘Best Car Insurance Rates for a Toyota Camry’,titleTextStyle: {color: ‘#333’, fontSize: 17, bold: true},width: ‘100%’,height: 300,’chartArea’: {left:0,top:50,’width’: ‘100%’, ‘height’: ‘70%’},bar: {groupWidth: “90%”},legend: {position: ‘none’},vAxis: {viewWindowMode:’explicit’,viewWindow:{max:1050,min:0}}};var formatter = new google.visualization.NumberFormat({fractionDigits: 0,prefix: ‘$’});var view = new google.visualization.DataView(data);view.setColumns([0, 1,{ calc: “stringify”,sourceColumn: 1,type: “string”,role: “annotation” },2]);formatter.format(data,1);formatter.format(data,2);var chart = new google.visualization.ColumnChart(document.getElementById(‘qcibwitc’));chart.draw(view, options);}

The example below compares rates after we give the driver in the first chart a chargeable claim, a lower credit rating, and a couple of points charged on his driving record. Due to the fact that every auto insurer has a proprietary formula for setting rates, comparing insurance quotes may now result in a significantly different list of affordable companies as shown below.

google.charts.setOnLoadCallback(drawORWcqcibChart);function drawORWcqcibChart() {var data = google.visualization.arrayToDataTable([[‘Company’, ‘Rate’, { role: ‘style’ }],[‘Country’, 1233, ‘#FF8E00’],[‘Oregon Mutual’, 1242, ‘#D47600’],[‘Amica’, 1250.7, ‘#B06200’],[‘Mutual Enumclaw’, 1293.6, ‘#925100’],[‘GEICO’, 1296.9, ‘#794300’]]);var options = {title: ‘Best Rates for Imperfect Drivers’,titleTextStyle: {color: ‘#333’,fontSize: 17,bold: true},width: ‘100%’,height: 300,’chartArea’:{left:0,top:50,’width’: ‘100%’, ‘height’: ‘70%’},bar: {groupWidth: “90%”},legend: {position: ‘none’},vAxis: {viewWindowMode:’explicit’,viewWindow:{max:1396.9,min:0}}};var formatter = new google.visualization.NumberFormat({fractionDigits: 0,prefix: ‘$’});var view = new google.visualization.DataView(data);view.setColumns([0, 1,{ calc: “stringify”,sourceColumn: 1,type: “string”,role: “annotation” },2]);formatter.format(data,1);formatter.format(data,2);var chart = new google.visualization.ColumnChart(document.getElementById(‘qcibwc’));chart.draw(view, options);}

Country now has the best price on car insurance in Oregon with Oregon Mutual, Amica, Mutual Enumclaw, and GEICO now rounding out the top five. This example demonstrates why it is critical to spend some time comparing rates when trying to get the best car insurance rates for a Toyota Camry.

Insurance prices can be altered by many different factors and can increase or decrease at any time, so the most economical option the last time you checked may now be an over-priced policy.

How to find budget-friendly car insurance for a Toyota Camry

The list below summarizes some thrifty solutions that can help Oregon drivers find the cheapest car insurance.

• Pay for smaller claims out-of-pocket
• Home or renters coverage can save on auto insurance
• Higher credit ratings may save you money
• Vehicles with good safety ratings are usually cheaper to insure
• Increase your policy deductibles
• Do not insure for full coverage
• Check for cheaper rates once a year

The final tip is remarkably important, as was discussed in the prior article. Insurance rates in Oregon go up and down frequently, so drivers shouldn’t hesitate to switch companies if a more affordable rate is found.

Having a favorite company is great, but it isn’t a good idea if that faithfulness ends up costing you a fortune every year. If you have a few minutes, shop around and find cheaper auto insurance for a Toyota Camry.

Who has the cheapest Toyota Camry insurance quotes?

Thanks to the internet, there are a lot of ways to find affordable insurance in Oregon, but the most frequently used are either through an exclusive agency like State Farm or Liberty Mutual, a non-exclusive or independent agent, or direct from companies such as Geico or Progressive.

Each way has the same basic process, but buyers need to know the differences in how they give price quotes.

Independent agencies write business for many companies and can get rate quotes from every one. They are usually affiliated with several companies and can provide multiple price quotes, which may give you a better chance of saving money. If you are not satisfied with one company, they simply move the coverage in-house which prevents you from having to find a new agency.

A captive or exclusive agent is limited to a single company such as an Allstate or Liberty Mutual agent. Exclusive agents generally are unable to quote rates from more than one company, which requires you to shop around.

The final way is buying direct, which means you bypass local insurance agents and buy from a direct company like Geico or Esurance. Buying direct can be good for drivers who do not need high amounts of coverage and have a decent understanding of what insurance covers and what it doesn’t.

So what is the best way to buy the cheapest insurance for a Toyota Camry in Oregon? It would be easy to say buying from a direct company results in the best prices since there is no middleman, but that is generally not the case. We could also assume that going through an independent agent results in the best rates since they can quote with many companies, but that assumption is also not necessarily accurate. In many circumstances, exclusive agents have very competitive rates that are well below what direct and independents offer.

Due to the fact that insurance rates vary so much, the one way to ensure you are not overpaying is to get quotes and compare the rates. Put in the effort to get quotes from all three in order to find the best price. For a list of companies offering online discounts in Oregon, click here to view.