Did budget coverage turn out to be high-priced Toyota Camry Hybrid insurance in Irvine? Trust us, many Irvine drivers feel the same as you.
It’s an obvious statement that insurance companies don’t want you shop around. Consumers who rate shop once a year will, in all likelihood, buy a new policy because there is a significant possibility of finding a cheaper policy. A recent survey discovered that consumers who compared price quotes annually saved approximately $865 a year compared to people who don’t regularly compare prices.
If finding the best price on insurance is the reason for your visit, then learning a little about how to quote and compare coverages can make it easier for you to save money.
How to buy cheaper Toyota Camry Hybrid insurance in Irvine
Really, the only way to get budget Toyota Camry Hybrid insurance is to regularly compare prices from insurance carriers that insure vehicles in Irvine.
Step 1: Get an understanding of what is in your policy and the things you can change to lower rates. Many risk factors that drive up the price such as tickets, at-fault accidents, and poor credit rating can be eliminated by paying attention to minor details.
Step 2: Request price quotes from direct carriers, independent agents, and exclusive agents. Exclusive and direct companies can provide rates from a single company like GEICO or Farmers Insurance, while independent agencies can give you price quotes from many different companies.
Step 3: Compare the new rate quotes to your existing coverage and see if you can save money. If you can save money and buy the policy, make sure there is no lapse in coverage.
Step 4: Provide notification to your current company of your intent to cancel your existing policy and submit a completed policy application and payment to your new insurance company. Be sure to safely store the proof of insurance paperwork with the vehicle registration.
The most important part of shopping around is to compare identical coverages on each quote and to quote with as many companies as feasibly possible. Doing this guarantees a fair rate comparison and the best price selection.
Drivers have multiple insurers to purchase coverage from, and although it’s a good thing to have a selection, more choices can make it harder to find the best rates for Toyota Camry Hybrid insurance in Irvine.
Lower your insurance rates with discounts
Car insurance can cost a lot, but you can get discounts that can help lower your rates. Some of these discounts will be visible when you get a quote, but once in a while a discount must be asked for before you get the savings.
- Good Students Pay Less – Excelling in school can earn a discount of 20% or more. Most companies allow this discount up to age 25.
- Drivers Ed for Students – Teen drivers should take driver’s ed class in high school.
- New Car Discount – Insuring a vehicle that is new is cheaper because newer models have to meet stringent safety requirements.
- Discount for Multiple Policies – If you insure your home and vehicles and insure them with the same company you could save 10% to 20% off each policy.
- Drive Less and Save – Driving fewer miles could qualify for substantially lower rates.
- One Accident Forgiven – This one is not really a discount per se, but certain companies will allow you to have one accident before hitting you with a surcharge if your claims history is clear for a certain period of time.
- Lower Rates for Military – Having a family member in the military can result in better prices.
- Payment Method – By paying your entire bill at once instead of making monthly payments you can avoid the installment charge.
- Claim-Free Discount – Insureds with no claims or accidents pay much less in comparison to bad drivers.
- Discounts for Federal Employees – Active or retired federal employment could provide a small rate reduction with certain companies.
Discounts reduce rates, but you should keep in mind that most discounts do not apply to the overall cost of the policy. Most only reduce the price of certain insurance coverages like collision or personal injury protection. Even though it may seem like you would end up receiving a 100% discount, companies wouldn’t make money that way.
The information below shows the comparison of Toyota Camry Hybrid insurance costs with and without discounts applied to the policy premium. The rates are based on a female driver, no claims or driving citations, California state minimum liability limits, full physical damage coverage, and $100 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with claim-free, homeowner, marriage, safe-driver, multi-car, and multi-policy discounts applied.
Companies and their possible discounts are shown below.
- Farmers Insurance has savings for electronic funds transfer, mature driver, youthful driver, bundle discounts, early shopping, and switch companies.
- State Farm policyholders can earn discounts including passive restraint, multiple autos, student away at school, good driver, defensive driving training, and anti-theft.
- Liberty Mutual offers discounts including teen driver discount, newly retired, preferred payment discount, new move discount, and new vehicle discount.
- MetLife may offer discounts for good student, multi-policy, claim-free, accident-free, good driver, and defensive driver.
- Progressive may include discounts for homeowner, online quote discount, online signing, multi-policy, and continuous coverage.
If you are trying to find low cost Irvine car insurance quotes, ask every prospective company how many discounts you can get. Depending on the company, some discounts may not apply to policies everywhere. To view insurance companies that have a full spectrum of discounts in Irvine, click this link.
The method we recommend to compare insurance rates from multiple companies is to know all the major auto insurance companies participate in online systems to give free rates quotes. The only thing you need to do is provide a small amount of information like if it has an anti-theft system, what your job is, the type of vehicles you drive, and whether your vehicle is owned or leased. That information gets transmitted to insurance carriers in your area and they return quotes immediately.
To check Toyota Camry Hybrid insurance prices now, click here and complete the quick form.
The companies in the list below are our best choices to provide price quotes in Irvine, CA. To locate cheap car insurance in Irvine, we suggest you visit several of them to get a more complete price comparison.
Detailed insurance information
The information displayed below outlines detailed analysis of prices for Toyota Camry Hybrid models. Learning how policy premiums are established can assist in making decisions when shopping around.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Camry Hybrid | $304 | $536 | $510 | $30 | $152 | $1,532 | $128 |
| Get Your Own Custom Quote Go | |||||||
Table data represents married female driver age 30, no speeding tickets, no at-fault accidents, $500 deductibles, and California minimum liability limits. Discounts applied include safe-driver, multi-policy, homeowner, claim-free, and multi-vehicle. Rates do not factor in the specific area where the vehicle is garaged which can change premium rates significantly.
Deductible comparison
One common question asked by Irvine drivers is how low should you set your deductibles. The rates shown below can help you visualize how much more you’ll pay when you select higher and lower physical damage deductibles. The first rate comparisons uses a $250 deductible and the second set of rates uses a $500 deductible.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Camry Hybrid | $386 | $678 | $500 | $30 | $150 | $1,769 | $147 |
| Get Your Own Custom Quote Go | |||||||
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Camry Hybrid | $314 | $546 | $500 | $30 | $150 | $1,540 | $128 |
| Get Your Own Custom Quote Go | |||||||
Cost estimates assume married male driver age 30, no speeding tickets, no at-fault accidents, and California minimum liability limits. Discounts applied include homeowner, safe-driver, multi-vehicle, claim-free, and multi-policy. Premium costs do not factor in vehicle location which can alter insurance rates considerably.
Based on these figures, using a $250 deductible will cost you about $19 more each month or $228 annually than quoting the higher $500 deductible. Since 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 average at least 13 months between claims, you would probably save some money if you elect the higher deductible.
Rate comparison of men versus women
The example below shows the difference between Toyota Camry Hybrid premium costs for male and female drivers. The rate quotes are based on no claims or driving citations, full coverage, $250 deductibles, drivers are single, and no discounts are taken into consideration.
Car insurance can get complicated
When choosing proper insurance coverage, there is no perfect coverage plan. Your situation is unique and your car insurance should unique, too.
Here are some questions about coverages that can help discover whether you might need an agent’s assistance.
- What does medical payments coverage do?
- When should I buy a commercial auto policy?
- What can I do if my company won’t pay a claim?
- Do I have coverage if my license is suspended?
- How much liability do I need to cover my assets?
- Should I have combined single limit or split liability limits?
If it’s difficult to answer those questions but you think they might apply to your situation, then you may want to think about talking to an insurance agent. To find an agent in your area, take a second and complete this form or go to this page to view a list of companies.
Buying auto insurance from Irvine insurance agents
Some consumers would prefer to have an agent’s advice and that is a smart decision One of the great benefits of comparing insurance prices online is that drivers can save money and get the lowest rates but still work with a licensed agent.
After filling out this short form, your insurance coverage information is submitted to companies in Irvine who will give you bids and help you find cheaper coverage. You don’t have to contact any agents due to the fact that quote results will go directly to your email. It’s the lowest rates and a licensed agent to talk to. If you have a need to get a price quote from one company in particular, feel free to visit that company’s website and complete a quote there.
Picking an insurer requires you to look at more than just the bottom line cost. Any agent in Irvine should be forthright in answering these questions:
- Does the company have a solid financial rating?
- Are they giving you every discount you deserve?
- Will the company cover a rental car if your car is getting fixed?
- Can glass repairs be made at your home?
- Which company do they place the most coverage with?
- Are aftermarket or OEM parts used to repair vehicles?
- Can you contact them at any time?
Pick the best car insurance agent in Irvine for you
When researching a good Irvine insurance agent, you must know there are a couple types of agencies and how they operate. Auto insurance policy providers may be either exclusive or independent (non-exclusive).
Exclusive Agents
Agents that choose to be exclusive can usually just insure with one company like Allstate, Farmers Insurance or State Farm. Exclusive agents are unable to provide other company’s prices so always compare other rates. These agents are usually well trained on sales techniques which helps overcome the inability to quote other rates.
Below are exclusive insurance agents in Irvine who can help you get comparison quotes.
Mike Stitt – State Farm Insurance Agent
17452 Irvine Blvd #208 – Tustin, CA 92780 – (714) 544-4717 – View Map
State Farm Insurance Agent: Kevin Chhiv
2101 Business Center Dr Suite 110 – Irvine, CA 92612 – (949) 202-0338 – View Map
State Farm: Jim Canty
3200 El Camino Real #110 – Irvine, CA 92602 – (949) 769-2600 – View Map
Independent Agencies or Brokers
Independent agents do not sell for just one brand and that is an advantage because they can write policies through many companies and get you the best rates possible. If you are not satisfied with one company, your agent can switch companies which makes it simple for you.
When comparison shopping, you definitely need to get some free quotes from several independent insurance agents in order to compare the most rates.
The following is a list of independent insurance agencies in Irvine that can give you comparison quotes.
Wozencraft Insurance Agency
17321 Irvine Blvd #201 – Tustin, CA 92780 – (714) 263-2626 – View Map
Gardner Insurance Orange County
4952 Warner Ave – Huntington Beach, CA 92649 – (714) 846-4231 – View Map
Sentry Insurance – Irvine
16815 Von Karman Ave #200 – Irvine, CA 92606 – (949) 930-6100 – View Map
How to find a good Irvine car insurance company
Buying coverage from the top insurance provider can be difficult considering how many choices you have in Irvine. The ranking information displayed below can help you analyze which providers you want to consider purchasing a policy from.
| Company | Value | Customer Service | Claims | Customer Satisfaction | A.M Best Rating | Overall Score |
|---|---|---|---|---|---|---|
| USAA | 98 | 100 | 100 | 94% | A++ | 98.6 |
| American Family | 98 | 89 | 100 | 86% | A | 95.4 |
| AAA of Southern California | 91 | 94 | 97 | 92% | A+ | 94.1 |
| State Farm | 88 | 93 | 96 | 90% | A++ | 92.4 |
| The Hartford | 94 | 92 | 90 | 89% | A+ | 91.7 |
| AAA Insurance | 88 | 89 | 95 | 91% | A | 91.2 |
| GEICO | 84 | 93 | 93 | 89% | A++ | 90.3 |
| The General | 89 | 91 | 89 | 88% | A- | 90 |
| Titan Insurance | 90 | 87 | 91 | 95% | A+ | 89.6 |
| Progressive | 84 | 91 | 93 | 87% | A+ | 89.5 |
| Mercury Insurance | 88 | 91 | 90 | 85% | A+ | 89.4 |
| Allstate | 85 | 90 | 92 | 88% | A+ | 89.3 |
| Nationwide | 87 | 88 | 84 | 90% | A+ | 88.7 |
| Liberty Mutual | 84 | 87 | 93 | 88% | A | 88.5 |
| 21st Century | 85 | 86 | 87 | 88% | A | 86.7 |
| Esurance | 85 | 80 | 95 | 87% | A+ | 85.9 |
| Safeco | 85 | 85 | 85 | 86% | A | 85.8 |
| Travelers | 80 | 87 | 87 | 83% | A++ | 85.2 |
| Farmers Insurance | 78 | 87 | 88 | 79% | A | 84.3 |
| Compare Rates Now Go | ||||||
Data Source: Insure.com Best Car Insurance Companies
Get the best coverage at the lowest price
Low-cost Toyota Camry Hybrid insurance in Irvine can be bought on the web and with local Irvine insurance agents, so you should be comparing quotes from both to get a complete price analysis. Some companies do not provide rates over the internet and most of the time these regional carriers sell through independent agents.
We just showed you quite a bit of information on how to reduce Toyota Camry Hybrid insurance rates online in Irvine. The key thing to remember is the more times you quote, the more likely it is that you will get a better rate. You may even be surprised to find that the biggest savings come from a company that doesn’t do a lot of advertising. Regional companies often have lower car insurance rates on specific markets as compared to the big name companies such as Progressive or GEICO.
Steps to buying low-cost Toyota Camry Hybrid insurance in Irvine
If you want to find the absolute lowest rates, then the best way to find better pricing on car insurance rates in Irvine is to regularly compare price quotes from companies in California. Rates can be compared by following these guidelines.
First, read and learn about how auto insurance works and the factors you can control to drop your rates. Many policy risk factors that increase rates like speeding tickets, careless driving and poor credit rating can be eliminated by making small lifestyle or driving habit changes.
Second, request price quotes from independent agents, exclusive agents, and direct companies. Exclusive agents and direct companies can provide rates from one company like Progressive or State Farm, while independent agencies can give you price quotes from many different companies. View insurance agents
Third, compare the quotes to your existing rates to determine if you can save on Camry Hybrid insurance in Irvine. If you find a better price and decide to switch, make sure coverage is continuous and does not lapse.
Fourth, provide notification to your current company of your decision to cancel your current auto insurance policy. Submit payment along with a signed and completed policy application to the new company. Make sure you keep your new proof of insurance certificate above your visor, in the console, or in the glove compartment.
One thing to point out is to try to use identical limits and deductibles on each quote request and and to analyze all possible companies. This guarantees a fair rate comparison and a good representation of prices.
To learn more, take a look at the resources below:
- How do I File a Claim? (Insurance Information Institute)
- How Much are Car Insurance Rates for Drivers Over Age 60 in Irvine? (FAQ)
- How Much are Irvine Auto Insurance Quotes for Drivers with Good Credit? (FAQ)
- Who Has Cheap Auto Insurance Rates for Electric Cars in Irvine? (FAQ)
- How Much are Auto Insurance Rates for a Hyundai Elantra in Irvine? (FAQ)
- What is the Best Cheap Car Insurance in Irvine, CA? (FAQ)
- Who Has the Cheapest Irvine Car Insurance for a Honda Accord? (FAQ)
- Auto Insurance Basics (Insurance Information Institute)
- Auto Insurance FAQ (Farmers Insurance)
- Choosing a Car for Your Teen (State Farm)
- Eight Auto Insurance Myths (Insurance Information Institute)