Toyota Camry Insurance Rates in Fort Worth

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The most effective way to find affordable quotes for Toyota Camry insurance in Fort Worth is to compare prices regularly from insurers who provide car insurance in Texas. You can compare rates by following these steps.

  1. Try to understand auto insurance and the steps you can take to prevent expensive coverage. Many rating factors that result in higher rates such as accidents, traffic violations, and a bad credit rating can be amended by paying attention to minor details.
  2. Compare price quotes from direct, independent, and exclusive agents. Direct and exclusive agents can only give rate quotes from a single company like Progressive and State Farm, while agents who are independent can quote rates for many different companies. View rates
  3. Compare the price quotes to your current policy premium and see if you can save money. If you find a lower rate and buy the policy, make sure there is no lapse between the expiration of your current policy and the new one.

A key point to remember is that you'll want to make sure you compare similar deductibles and liability limits on every quote request and and to get rate quotes from as many auto insurance providers as possible. Doing this provides a fair price comparison and many rates to choose from.

Insurance quote for Toyota Camry in Fort WorthAstonishing but true, nearly 70% of consumers have bought insurance from the same company for more than four years, and roughly 40% of drivers have never compared quotes from other companies. American insurance shoppers could save as much as $850 a year just by getting comparison quotes, but they don't believe how much savings they would realize if they swap their current policy for a cheaper one.

Affordable companies for Toyota Camry insurance

The companies shown below offer free rate quotes in Fort Worth, TX. If multiple companies are shown, it's highly recommended you click on several of them to find the lowest car insurance rates.

Rates and data analysis

The coverage table displayed below covers detailed analysis of insurance premium costs for Toyota Camry models. Being aware of how policy rates are formulated is important for making decisions when shopping around.

Toyota Camry Insurance Rates in Fort Worth, TX
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Camry LE $230 $452 $496 $30 $148 $1,356 $113
Camry SE $230 $532 $496 $30 $148 $1,436 $120
Camry XLE $230 $532 $496 $30 $148 $1,436 $120
Camry Hybrid $260 $532 $560 $34 $168 $1,554 $130
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Table data represents single female driver age 40, no speeding tickets, no at-fault accidents, $500 deductibles, and Texas minimum liability limits. Discounts applied include claim-free, multi-policy, multi-vehicle, safe-driver, and homeowner. Rate information does not factor in specific location which can decrease or increase auto insurance rates noticeably.

Should you raise deductibles?

One common question asked by Fort Worth drivers is where should you set your physical damage deductibles. The comparisons below determine the cost difference when you buy lower versus higher physical damage coverage deductibles. The first data set uses a $250 physical damage coverage deductible and the second set of rates uses a $500 deductible.

Toyota Camry insurance policy rates with $250 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Camry LE $294 $496 $382 $22 $114 $1,333 $111
Camry SE $294 $584 $382 $22 $114 $1,421 $118
Camry XLE $294 $584 $382 $22 $114 $1,421 $118
Camry Hybrid $332 $584 $430 $26 $128 $1,525 $127
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Toyota Camry insurance policy rates with $500 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Camry LE $240 $400 $382 $22 $114 $1,158 $97
Camry SE $240 $472 $382 $22 $114 $1,230 $103
Camry XLE $240 $472 $382 $22 $114 $1,230 $103
Camry Hybrid $270 $472 $430 $26 $128 $1,326 $111
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Data variables include married male driver age 30, no speeding tickets, no at-fault accidents, and Texas minimum liability limits. Discounts applied include multi-vehicle, multi-policy, safe-driver, homeowner, and claim-free. Information does not factor in specific Fort Worth garaging location which can impact rates greatly.

Based on these figures, using a $250 deductible costs approximately $15 more each month or $180 annually than choosing the higher $500 deductible. Due to the fact that you would have to pay $250 more out of your own pocket with a $500 deductible as compared to a $250 deductible, if you tend to have at a minimum 17 months between claim filings, you would come out ahead by selecting a higher deductible.

The diagram below illustrates how your deductible choice and can impact Toyota Camry insurance rates for different age groups of insureds. The premiums are based on a married male driver, comp and collision included, and no additional discounts are factored in.

Impact of violations and accidents on rates in Fort Worth

The illustration below shows how traffic citations and accident claims influence Toyota Camry auto insurance rates for different insured age categories. The rates are based on a married female driver, comprehensive and collision coverage, $250 deductibles, and no discounts are applied.

Lower rates by qualifying for discounts

Companies that sell car insurance don't list the entire discount list in an easy-to-find place, so the list below details both the well known and the harder-to-find ways to save on auto insurance.

  • Theft Prevention Discount - Anti-theft and alarm system equipped vehicles can help prevent theft and that can save you a little bit as well.
  • Accident Forgiveness - Not a discount per se, but a handful of insurance companies will forgive one accident without the usual rate increase if you have no claims prior to being involved in the accident.
  • Resident Student - College-age children who live away from home at college and won't have access to an insured vehicle may be insured at a cheaper rate.
  • Buy New and Save - Putting coverage on a new Camry can save you some money because newer vehicles are generally safer.
  • Claim Free - Drivers with accident-free driving histories get the best auto insurance rates compared to policyholders that have many claims.
  • Driver Training Discounts - Taking a course in defensive driving could earn you a small percentage discount and also improve your driving technique.
  • Discount for Home Ownership - Simply owning a home can help you save on auto insurance because of the fact that having a home demonstrates responsibility.
  • Good Grades Discount - Being a good student may save you up to 25%. Earning this discount can benefit you until age 25.
  • Renewal Discounts - Some auto insurance companies give discounts for buying a new policy prior to your current Camry insurance policy expiration. It could save around 10% when you buy Fort Worth auto insurance online.

You should keep in mind that most of the big mark downs will not be given to the overall cost of the policy. Most only cut the price of certain insurance coverages like medical payments or collision. Even though it appears you can get free auto insurance, it just doesn't work that way. But all discounts will definitely lower your policy premium.

The example below compares Toyota Camry car insurance rates with and without discounts applied to the rates. The premiums assume a female driver, no claims or driving violations, Texas state minimum liability limits, comp and collision included, and $100 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with homeowner, safe-driver, multi-policy, claim-free, marriage, and multi-car discounts applied.

For a list of insurance companies offering auto insurance discounts in Fort Worth, click here to view.

Local Fort Worth insurance agencies

Many drivers still like to buy from a licensed agent and that is a smart decision An additional benefit of comparing car insurance online is you can get the best rates and also buy local.

Insurance agents in Fort WorthAfter filling out this quick form, the coverage information is submitted to participating agents in Fort Worth who will give competitive quotes for your car insurance coverage. It simplifies rate comparisons since you won't have to find an agent because prices are sent immediately to your email address. You can most likely find cheaper rates and an insurance agent to talk to. If you want to get a comparison quote from a particular provider, feel free to jump over to their website and fill out the quote form the provide.

Choosing the best insurer should depend on more than just the price. Ask your prospective agent these questions:

  • Do they reduce claim amounts on high mileage vehicles?
  • What company do they have the most business with?
  • Can they provide you with a list of referrals?
  • Is there any savings for paying the full premium?
  • Will the company cover a rental car if your car is getting fixed?

Below are agents in Fort Worth willing to provide price quote information for Toyota Camry insurance in Fort Worth.

View more Fort Worth agents

Get the best coverage at the most affordable price

While you're price shopping online, never reduce needed coverages to save money. In too many instances, someone dropped collision coverage only to regret that saving that couple of dollars actually costed them tens of thousands. Your goal is to purchase plenty of coverage at a price you can afford while still protecting your assets.

We just covered some good ideas how you can shop for Toyota Camry insurance online. The key thing to remember is the more providers you compare, the better your comparison will be. Consumers could even find that the lowest rates come from the smaller companies.

Insureds switch companies for any number of reasons including being labeled a high risk driver, high rates after DUI convictions, policy cancellation and lack of trust in their agent. It doesn't matter what your reason, switching car insurance companies can be less work than you think.

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