Affordable Seattle Toyota Camry Insurance

Wish you could get out of an underperforming, overpriced insurance policy? Believe me, there are lots of Seattle residents who feel the same.

Remarkably, a study showed that nearly 70% of drivers have purchased from the same company for at least four years, and approximately 38% of consumers have never even compared rates from other companies. Many drivers in Washington could cut their rates by as much as $400 a year by just shopping around, but they just don’t understand the amount of money they would save if they just switched companies.

There is such a variety of insurance companies to pick from, and though it is a good thing to have a selection, it can be more difficult to find the best rates for your vehicles.

The method we recommend to compare rates for Toyota Camry insurance in Seattle is to realize all the major auto insurance companies actually pay money for the chance to compare their rates. The only thing you need to do is provide details including how old drivers are, your credit rating estimate, which vehicles you own, and whether you are married. That rating information is sent automatically to many different companies and you get price estimates almost instantly.

To find lower cheap Toyota Camry insurance rates now, click here and complete the quick form.

The following companies have been selected to offer price comparisons in Seattle, WA. If more than one company is shown, we suggest you compare several of them to find the most affordable car insurance rates.

Data based on single female driver age 30, no speeding tickets, no at-fault accidents, $500 deductibles, and Washington minimum liability limits. Discounts applied include homeowner, multi-vehicle, claim-free, multi-policy, and safe-driver. Premium amounts do not factor in garaging location in Seattle which can lower or raise prices considerably.

Physical damage deductible comparison

The illustration below demonstrates how deductibles and can affect Toyota Camry insurance costs for different age categories. The premium estimates are based on a married male driver, full coverage, and no policy discounts are applied.

Policy deductible comparison

A question often asked by Seattle drivers is at what level do you set your deductibles. The tables below lay out the rate difference when you buy lower versus higher physical damage coverage deductibles. The first set of rates uses a $250 deductible for physical damage and the second set of rates uses a $1,000 deductible.

Price data assumes married male driver age 30, no speeding tickets, no at-fault accidents, and Washington minimum liability limits. Discounts applied include safe-driver, claim-free, multi-vehicle, multi-policy, and homeowner. Price estimates do not factor in your specific Seattle location which can affect auto insurance rates considerably.

Using the premium rates above, we can conclude that using a $250 deductible costs about $22 more each month or $264 for a full year than choosing the higher $1,000 deductible. Since you would pay $750 more if you file a claim with a $1,000 deductible as compared to a $250 deductible, if you go at least 34 months between claim filings, you would come out ahead by selecting a higher deductible.

Males versus Females

The chart below shows the comparison of Toyota Camry insurance prices for male and female drivers. The rate quotes are based on no claims, a clean driving record, comp and collision included, $1,000 deductibles, drivers are single, and no other discounts are factored in.

Car insurance just makes sense

Even though it’s not necessarily cheap to insure a Toyota in Seattle, insuring your vehicle is required in Washington but it also protects you in many ways.

First, most states have minimum mandated liability insurance limits which means the state requires a specific minimum amount of liability insurance in order to be legal. In Washington these limits are 25/50/10 which means you must have $25,000 of bodily injury coverage per person, $50,000 of bodily injury coverage per accident, and $10,000 of property damage coverage.

Second, if you took out a loan on your Toyota Camry, almost all lenders will require you to have full coverage to ensure loan repayment if the vehicle is totalled. If you default on your policy, the lender may have to buy a policy to insure your Toyota at a much higher rate and require you to pay much more than you were paying before.

Third, insurance safeguards your car and your assets. It will also provide coverage for all forms of medical expenses for both you and anyone you injure as the result of an accident. Liability insurance also covers all legal expenses up to the policy limit if you are named as a defendant in an auto accident. If mother nature or an accident damages your car, your car insurance policy will pay to restore your vehicle to like-new condition.

The benefits of having car insurance outweigh the cost, especially for larger claims. According to a 2015 survey, the average American driver is wasting up to $850 per year so you should quote and compare rates at every renewal to make sure the price is not too high.

Switch companies and save? Really?

Companies like State Farm, Allstate and GEICO seem to constantly run ads on TV and radio. They all say the same thing that you’ll save big just by switching your policy. How does every company charge less that you’re paying now? It’s all in the wording.

Different companies look for specific characteristics for a prospective insured that will most likely be profitable. For instance, this type of driver may be between 25 and 40, has a clear driving record, and has a high credit rating. A customer who matches that profile will get very good Seattle rates and as a result will probably save if they switch.

Consumers who cannot meet those standards will see a more expensive rate which translates to business going elsewhere. The wording the ads use say “customers who switch” but not “everyone who gets a quote” can get the lowest rates when switching. That’s the way insurance companies can make claims like that.

This illustrates why you should quote coverage with many companies. Because without a comparison, you cannot know which insurance companies will have the lowest rates for your situation.

Score discounts to get cheaper Seattle insurance quotes

Companies do not advertise all possible discounts in a way that’s easy to find, so the following is a list of a few of the more common and the harder-to-find discounts that you may qualify for.

• Active Service Discounts – Having a deployed family member may lower your prices slightly.
• Accident Forgiveness – This one is not really a discount per se, but a handful of insurance companies allow you one accident before your rates go up so long as you haven’t had any claims prior to being involved in the accident.
• Online Discount – Many insurance companies may give you up to $50 for buying a policy and signing up on their website.
• Life Insurance – Some insurance companies give better insurance rates if you take out some life insurance too.
• Seat Belts Save more than Lives – Requiring all passengers to buckle up can save 10% or more on the medical payments or PIP coverage costs.
• Discount for Low Mileage – Driving less can earn substantially lower prices.
• Multiple Cars – Insuring multiple vehicles with one company can get a discount for every vehicle.

As a footnote on discounts, most discounts do not apply to the overall cost of the policy. Some only apply to the cost of specific coverages such as liability and collision coverage. Just because you may think you could get a free insurance policy, you’re out of luck.

A few popular companies and a summarized list of policyholder discounts are:

• 21st Century has savings for teen driver, early bird, air bags, good student, student driver, and homeowners.
• Progressive may include discounts for online quote discount, multi-policy, good student, online signing, multi-vehicle, homeowner, and continuous coverage.
• State Farm discounts include passive restraint, student away at school, good driver, accident-free, and driver’s education.
• Nationwide has discounts for defensive driving, easy pay, business or organization, anti-theft, accident-free, and Farm Bureau membership.
• Esurance may have discounts that include defensive driver, Switch & Save, good student, paid-in-full, good driver, anti-theft, and Pac-12 alumni.
• The Hartford offers discounts for driver training, anti-theft, air bag, bundle, vehicle fuel type, defensive driver, and good student.

Before buying, ask each insurance company which discounts they offer. Savings might not apply in your state. If you would like to view insurance companies that offer some of these discounts in Washington, click this link.

Compare rate quotes but buy from a local Seattle insurance agent

A lot of people prefer to talk to an insurance agent and doing so can bring peace of mind A good thing about comparing rate quotes online is the fact that you can find cheaper rates but also keep your business local. Supporting small agencies is especially important in Seattle.

Once you complete this quick form, the coverage information gets sent to companies in Seattle who will give competitive quotes for your coverage. It makes it easy because there is no need to contact an agency as quotes are delivered directly to you. You can find better rates without the usual hassles of price shopping. If for some reason you want to get a rate quote from one company in particular, don’t hesitate to visit that company’s website and give them your coverage information.

Pick the best car insurance agent in Seattle for you

If you want a good Seattle insurance agent, you should know the different types of agencies to choose from. Car insurance policy providers can either be exclusive or independent agents depending on their company appointments.

Independent Agents (or Brokers)

Agents that elect to be independent are not employed by any specific company so they can write business with lots of companies and find you the best rates. If your agent finds better pricing, the business is moved internally and you don’t have to do anything.

When shopping rates, you absolutely need to contact at a minimum one independent agency to get the best comparison.

Below is a list of independent insurance agents in Seattle who may be able to give you rate quotes.

More Seattle agents

Exclusive Agents

Exclusive agencies can only place business with one company and examples are Allstate, State Farm and Farmers Insurance. They usually cannot give you multiple price quotes so they really need to provide good service. Exclusive insurance agents are well schooled on the products they sell which helps overcome the inability to quote other rates.

Listed below is a short list of exclusive agents in Seattle that are able to give rate quotes.

More Seattle agents

Deciding on a insurance agent needs to be determined by more than just a cheap price quote. Here are some questions you should ask.

• Does the agent recommend any additional coverage?
• Are they properly licensed to sell insurance in Washington?
• Will they give you a referral list?
• How long has the business existed?
• Do they have 24-hour customer assistance?
• Are they involved in claim handling?

One last note

Lower-priced Toyota Camry insurance in Seattle can be found online in addition to many Seattle insurance agents, so you should compare both so you have a total pricing picture. Some insurance providers don’t offer online price quotes and most of the time these small, regional companies only sell coverage through independent agents.

We covered a lot of information how to compare Toyota Camry insurance rates in Seattle. The key concept to understand is the more quotes you get, the more likely it is that you will get a better rate. Consumers could even find that the lowest priced insurance comes from a company that doesn’t do a lot of advertising. These smaller insurers may have significantly lower car insurance rates on certain market segments as compared to the big name companies such as Progressive or GEICO.

Even more information can be read in these articles:

• Avoiding Deer Collisions (Insurance Information Institute)
• Who Has Cheap Seattle Car Insurance Rates for Unemployed Drivers? (FAQ)
• What Insurance is Cheapest for a Subaru Outback in Seattle? (FAQ)
• Who Has Affordable Auto Insurance Quotes for a Jeep Wrangler in Seattle? (FAQ)
• Who Has the Cheapest Auto Insurance Quotes for a Chevrolet Silverado in Seattle? (FAQ)
• Side airbags reduce rollover fatalities (Insurance Institute for Highway Safety)
• Automakers compete to add autobraking (Insurance Institute for Highway Safety)
• What is Full Coverage? (Allstate)
• Teen Driving and Texting (State Farm)