Best Cheap Insurance for a Toyota Camry in Kansas

Whether or not you can find the best cheap coverage for a Toyota Camry in Kansas depends on many factors like whether or not you own a home, if you have recent claims, and any past driving violations you may have had. Drivers in Kansas on average pay approximately $660 every 12 months to insure a Camry, but that rate is a ballpark figure assuming a 50-year-old married male that has full coverage and $500 policy deductibles.

When making auto insurance estimates, the issue arises that you are not 50 and maybe not even a male, single instead of married, or maybe you are just looking for cheap liability insurance. What people think is a minor change in the factors used in pricing a policy can make a huge difference in the cost of a policy.

Not everyone needs the same coverages, so the best method for finding the most affordable coverage for your Toyota is to just take the time to do a thorough rate comparison. It only takes a few minutes and you will get price quotes from the best companies that offer coverage in Kansas.

Compare Toyota Camry Insurance Rates

The trim level of your vehicle tends to have a direct impact on the yearly cost, so the cost to insure a Camry LE model will be $114 cheaper than the insurance cost for the fancier Camry Hybrid model, as shown in the prices below.

Prices based on married male driver age 50, no speeding tickets, no at-fault accidents, $500 deductibles, and Kansas minimum liability limits. Discounts applied include multi-policy, safe-driver, homeowner, multi-vehicle, and claim-free. Premium costs do not factor in specific location information which can raise or lower auto insurance rates greatly.

Deciphering which company quotes the lowest-priced auto insurance rates for a Toyota Camry will involve a little more work in order to find coverage that fits your buget. Each auto insurance company uses their own method to set policy rates, so we need to take a look at the overall cheapest auto insurance companies in Kansas.

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USAA has some of the most affordable car insurance rates in Kansas at around $750 a year. The Hartford, Travelers, Auto-Owners, and Allied also qualify as some of the cheaper Kansas car insurance companies.

As shown in the rates above, if you are currently insured with Travelers and switched to USAA, you may realize a yearly savings of around $312. Drivers with Auto-Owners may save as much as $335 a year, and Allied insureds might see rate reductions of $337 a year.

These premiums are averages across all types of drivers and the different vehicles they drive and are not factoring in a specific rate factor for a Toyota Camry. So the car insurance company that can offer the best rates for your situation may not even be shown in the list of companies shown earlier. That is why you need to compare rates from multiple companies using your own driver information and specific vehicle type.

Get discount Kansas auto insurance

Car insurance companies that offer the best cheap insurance for a Toyota Camry in Kansas may also give you rate discounts that can lower rates by as much as 40% or more if you meet eligibility requirements. Popular auto insurance companies and some of the discounts are:

The example below shows the comparison of car insurance costs with and without discounts. The costs are based on a male driver, no accidents or driving violations, Kansas state minimum liability limits, comprehensive and collision coverage, and $100 deductibles. The first bar for each age group shows insurance cost with no discounts. The lower bar shows the rates with multiple policy, anti-theft, passive restraint, homeowner, safe-driver, and accident-free discounts applied. When these discounts are applied, the average amount saved each year on auto insurance for a Toyota Camry is 16% or $285.

google.charts.setOnLoadCallback(drawDiscqcibChart);function drawDiscqcibChart() {var data = google.visualization.arrayToDataTable([[‘Age of Insured’, ‘Male Driver No Discounts’, ‘Male Driver with Discounts’],[‘Age 20’, 3351,2415],[‘Age 30’, 1733,1261],[‘Age 40’, 1719,1249],[‘Age 50’, 1561,1135],[‘Age 60’, 1511,1097],[‘Age 70’, 1835,1323]]);var options = {title: ‘Comparison of Insurance Rates for a Toyota Camry’,titleTextStyle: {color: ‘#333’,fontSize: 17,bold: true},width: ‘100%’,height: 500,’chartArea’:{left:100,top:50,’width’: ‘100%’, ‘height’: ‘70%’},legend: {position: ‘bottom’},colors: [‘#6791b9’, ‘#98bee2’],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);var chart = new google.visualization.BarChart(document.getElementById(‘qcibdisc’));chart.draw(data, options);}

A good deal can quickly turn bad

Kansas auto insurance rates are influenced by many factors that may substantially change the cost of a policy. Getting older, getting married, or getting a speeding ticket may prompt premium changes resulting in some rates now being cheaper than competitors. Additionally, auto insurance companies change the rates they charge in Kansas as needed to reflect underwriting profits or losses. An unexpected high level of claims can result in a rate increase, while profitable underwriting can result in lower-cost Camry insurance rates.

To illustrate this example, the bar chart below shows which companies have the cheapest car insurance in Kansas for a 30-year-old female driver with no accidents or violations, and a good credit history. Based on her current situation, USAA might offer the lowest car insurance rates in Kansas at $773 each year. This is $645 less than the average premium paid by Kansas drivers of $1,418. The Hartford, Auto-Owners, Allied, and Travelers are also on the list of the most affordable Kansas auto insurance companies.

google.charts.setOnLoadCallback(drawKSWitcqcibChart);function drawKSWitcqcibChart() {var data = google.visualization.arrayToDataTable([[‘Company’, ‘Rate’, { role: ‘style’ }],[‘USAA’, 773, ‘#629100’],[‘The Hartford’, 831, ‘#517800’],[‘Auto-Owners’, 1053, ‘#436400’],[‘Allied’, 1087, ‘#375300’],[‘Travelers’, 1106, ‘#2D4500’]]);var options = {title: ‘Cheapest Insurance 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:1206,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 next chart shows rates after we give the driver from the first example an at-fault accident, less-than-perfect credit, and a couple of points charged on her driving record. Because every insurance company has a proprietary method to establish rates, getting updated rate quotes may now show a new list of companies as shown below.

google.charts.setOnLoadCallback(drawKSWcqcibChart);function drawKSWcqcibChart() {var data = google.visualization.arrayToDataTable([[‘Company’, ‘Rate’, { role: ‘style’ }],[‘The Hartford’, 1246.5, ‘#FF8500’],[‘Farm Bureau Mutual’, 1318.9, ‘#D46E00’],[‘Nationwide’, 1355.2, ‘#B05B00’],[‘State Farm’, 1398.1, ‘#924B00’],[‘California Casualty’, 1409.1, ‘#793E00’]]);var options = {title: ‘Cheapest Rates After Accident/Violation’,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:1509.1,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);}

The Hartford now has the lowest price on auto insurance in Kansas with Farm Bureau Mutual, Nationwide, State Farm, and California Casualty also being competitive. This example proves why it is critical to perform a complete rate comparison to find the best car insurance rates for a Toyota Camry.

Prices are influenced by many things and can change without notice, so the most economical option two years ago may now be priced much higher than other options.

Cheap Toyota Camry insurance quotes

You have many ways to quote cheap auto insurance rates in Kansas, but the most frequently used methods are using a non-exclusive or independent agent, an exclusive agency such as Allstate or Liberty Mutual, or direct from companies such as Geico or Progressive. You can use whichever method you prefer, but shoppers should understand the differences in how they provide price quotes.

Independent insurance agents can place your business with multiple companies and can quote your policy with every one. These types of agents have the ability to quote rates with many companies, which may provide you with a better overall rate comparison. If your premiums go up, they can switch companies in-house which prevents you from having to switch agents.

Exclusive agents are contracted to a single insurance company, two examples being State Farm and Allstate agents. These agents normally cannot provide multiple price quotes, which will not provide a complete price comparison.

Buying from a direct company means forego a local agent and buy direct from companies such as Esurance or Geico. Shopping for auto insurance direct is a good choice for people who have fewer assets and have a decent understanding of what specific coverages they need.

So which method is best to find the best cheap insurance for a Toyota Camry in Kansas? Most people assume that buying direct saves the most money because there are no middleman commissions, but that is not always the case. We’d also like to say an independent agency is the best way to save because they can shop around, but again, that’s not accurate. In the right set of circumstances, exclusive agents have really good rates that independents and direct companies can’t touch.

Since auto insurance rates vary so much, really the best method to ensure you are not overpaying is to compare, compare, and compare some more. It’s a good idea to get price quotes from all three in order to find the best price. A great place to start is our list of online companies offering discounts: click here to view.

How to find cheaper car insurance for a Toyota Camry

The list below shows some thrifty ideas that can help you buy cheaper auto insurance.

• Drive a car with a high safety rating
• Avoid preventable accidents
• Raise physical damage deductibles
• Do not waste money insuring older vehicles for full coverage
• You will pay more if you get tickets or have at-fault accidents
• Good credit scores may make rates cheaper
• Compare prices frequently to find the best deal

The last tip in the list is very critical, as was discussed in this article. Car insurance prices fluctuate constantly, so you should be ready to switch carriers if a lower-cost policy is available.

Loyalty to a specific company is fine, but it isn’t a good idea if it’s costing you money that could be spent on other things. If you have a few minutes, shop around to find cheaper auto insurance for a Toyota Camry.