Sadly, almost 70% of drivers kept their policy with the same company for a minimum of four years, and approximately 40% of consumers have never even compared quotes to find lower-cost rates. Many drivers in Arizona could save an average of as much as $730 each year by just shopping around, but they don't know how much they could save if they bought a different policy.
The most effective way to find low-cost prices for Toyota Camry Hybrid insurance in Scottsdale is to start comparing rates regularly from providers in Arizona.
Step 1: Try to understand what coverages are included in your policy and the measures you can control to prevent expensive coverage. Many risk factors that increase rates like traffic citations and a poor credit rating can be rectified by making minor changes in your lifestyle. Continue reading for tips to help keep rates affordable and get discounts that may be available to you.
Step 2: Quote rates from direct carriers, independent agents, and exclusive agents. Direct companies and exclusive agencies can only give rate quotes from one company like GEICO or State Farm, while independent agents can provide rate quotes from many different companies.
Step 3: Compare the new rates to your current policy premium to determine if you can save on Camry Hybrid insurance. If you can save some money and switch companies, make sure the effective date of the new policy is the same as the expiration date of the old one.
Step 4: Provide notification to your current agent or company to cancel your current auto insurance policy and submit the required down payment along with the signed application to the new insurer. Once coverage is bound, keep your new proof of insurance paperwork in your vehicle.
A good tip to remember is to use the same level of coverage on every price quote and to quote with as many companies as you can. Doing this guarantees a level playing field and a complete rate analysis.
Companies offering affordable Toyota Camry Hybrid rate quotes in Scottsdale, AZ
The car insurance companies shown below are our best choices to provide comparison quotes in Scottsdale, AZ. To find the best cheap car insurance in Scottsdale, we recommend you visit as many as you can to get the cheapest price.
Data for Toyota Camry Hybrid insurance
The price information displayed next highlights detailed analysis of coverage prices for Toyota Camry Hybrid models. Learning as much as possible about how insurance premiums are determined can help guide drivers when making smart choices when selecting a policy.
|Model||Comp||Collision||Liability||Medical||UM/UIM||Annual Premium||Monthly Premium|
|Get Your Own Custom Quote Go|
Above prices assume married female driver age 40, no speeding tickets, no at-fault accidents, $250 deductibles, and Arizona minimum liability limits. Discounts applied include claim-free, multi-policy, multi-vehicle, homeowner, and safe-driver. Rates do not factor in Scottsdale location which can lower or raise insurance rates greatly.
Do you need full coverage?
The illustration below illustrates the difference between Toyota Camry Hybrid premium costs with liability coverage only compared to full coverage. The prices are based on no accidents, no driving violations, $1,000 deductibles, drivers are single, and no other discounts are factored in.
When to drop comp and collision
There is no set rule of when to exclude full coverage, but there is a guideline you can use. If the annual cost of having full coverage is more than around 10% of the settlement you would receive from your company, then it may be the right time to buy liability only.
For example, let's pretend your Toyota Camry Hybrid claim settlement value is $9,000 and you have $1,000 physical damage deductibles. If your vehicle is totaled in an accident, the most your company would pay you is $8,000 after paying your deductible. If it's costing you more than $800 annually for physical damage coverage, then it's probably a good time to buy liability coverage only.
There are some cases where dropping physical damage coverage is not recommended. If you still have a loan on your vehicle, you have to keep full coverage as part of the loan conditions. Also, if you don't have enough money to buy a different vehicle if your current one is totaled, you should not eliminate full coverage.
Toyota Camry Hybrid Insurance Premium Factors
A large part of saving on car insurance is knowing the factors that aid in calculating car insurance rates. If you understand what determines base rates, this enables you to make decisions that may result in lower rates. Many factors are used when you get your auto insurance bill. Some are pretty understandable like an MVR report, but others are less obvious like your continuous coverage or your commute time.
The itemized list below are some of the major factors that factor into rates.
Additional coverages that may be costing you - There are a ton of extra coverages you can purchase on your Camry Hybrid policy. Coverages for roadside assistance, accidental death, and membership fees may be costing you every month. These may sound like a good investment at first, but if you don't need them think about removing them and cutting costs.
Prices can change based on your address - Being located in areas with lower population has it's advantages when trying to find low car insurance rates. Drivers in populated areas have more auto accidents and a longer drive to work. Fewer drivers means reduced accidents in addition to fewer liability claims.
Safety first - Cars with high safety ratings can get you lower premiums. These vehicles reduce the chance of injuries and any reduction in injury severity means less money paid by your insurance company and lower rates for you.
Car features that lower premiums - Choosing a vehicle with an alarm system can help lower your rates. Theft prevention devices such as tamper alarm systems, vehicle immobilizer technology and General Motors OnStar all aid in stopping car theft.
Are you male or female? - Over the last 30 years, statistics show that females take fewer risks when driving. This data doesn't prove that women are better drivers. They both get in auto accidents in similar percentages, but the men cause more damage and cost insurance companies more money. Men also statistically receive more major tickets like DWI (DUI) or reckless driving. Teenage male drivers cause the most accidents and therefore have the most expensive car insurance rates.
The example below shows the comparison of Toyota Camry Hybrid car insurance rates for male and female drivers. The premiums are based on no claims or driving violations, comp and collision included, $1,000 deductibles, single marital status, and no other discounts are factored in.
Prices may be lower depending on your employer - Did you know your occupation can influence how much you pay for car insurance? Occupations like military generals, air traffic controllers, and emergency personnel tend to have higher premiums than the average policyholder attributed to stressful work requirements and extremely grueling work hours. Other occupations like actors, engineers and retirees get better rates.
Qualify for multi-policy discounts - Many car insurance companies will award discounts to policyholders who consolidate policies with them. It's known as a multi-policy discount. Even with this discount, you still need to check prices from other companies to make sure you are getting the best deal.
Vehicle risk impacts prices - The performance level of the vehicle you are buying insurance for makes a substantial difference in your rates. The most favorable rates tend to be for small economy passenger models, but your final cost has many other factors.
The following chart uses these assumptions: single female driver age 30, full coverage with $100 deductibles, and no discounts or violations. It shows Toyota Camry Hybrid insurance premiums compared to other models that have a range of performance risks.
Insurance loss data for a Toyota Camry Hybrid - Auto insurance companies analyze historical claim data as a way to help calculate a profitable premium rate. Vehicles that the statistics show to have increased claim numbers or amounts will have a higher premium rate.
The table below demonstrates the historical loss data for Toyota Camry Hybrid vehicles. For each policy coverage type, the claim probability for all vehicles averaged together is considered to be 100. Values below 100 mean the vehicle has better than average losses, while values that are above 100 indicate a higher chance of having a claim or an increased chance of a larger loss.
|Vehicle Model||Collision||Property Damage||Comp||Personal Injury||Medical Payment||Bodily Injury|
|Toyota Camry Hybrid||124||100||110||118||127||96|
Data Source: iihs.org (Insurance Institute for Highway Safety) for 2013-2015 Model Years
These discounts can lower your car insurance quotes
Properly insuring your vehicles can get expensive, but you might find some hidden discounts that can dramatically reduce your bill. Certain discounts will be triggered automatically at quote time, but some must be requested specifically prior to receiving the credit.
- Telematics Data - Insureds that choose to allow their insurance company to spy on driving habits by installing a telematics device such as Drivewise from Allstate or Snapshot from Progressive could see a rate decrease if they are good drivers.
- Active Service Discounts - Having an actively deployed family member may lower your premium rates slightly.
- Defensive Driver Discount - Taking time to complete a driver safety course is a good idea and can lower rates if your company offers it.
- 55 and Retired - Drivers over the age of 55 may receive reduced rates.
- Discounts for New Vehicles - Adding a new car to your policy can cost up to 25% less because new model year vehicles have to meet stringent safety requirements.
- Government Employee Discount - Employees or retirees of the government may qualify for a discount when you quote Scottsdale auto insurance with certain companies.
- Sign Online - Many insurance companies will provide an incentive for signing up online.
Consumers should know that many deductions do not apply to the whole policy. A few only apply to the cost of specific coverages such as comp or med pay. If you do the math and it seems like all those discounts means the company will pay you, it doesn't quite work that way.
The illustration below visualizes the comparison of Toyota Camry Hybrid insurance costs with and without discounts applied to the premium. The premiums are based on a male driver, no accidents or driving violations, Arizona 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, multi-car, homeowner, marriage, multi-policy, and safe-driver discounts applied.
Popular car insurance companies and a partial list of their discounts can be found below.
- GEICO may include discounts for emergency military deployment, daytime running lights, defensive driver, anti-theft, and anti-lock brakes.
- Auto-Owners Insurance has savings for mature driver, air bags, paid in full, good student, and safe vehicle.
- American Family policyholders can earn discounts including TimeAway discount, bundled insurance, accident-free, multi-vehicle, good student, Steer into Savings, and defensive driver.
- Esurance discounts include DriveSense, safety device, anti-theft, anti-lock brakes, multi-car, and online quote.
- Progressive offers discounts including online signing, online quote discount, homeowner, good student, continuous coverage, and multi-policy.
- State Farm offers premium reductions for student away at school, anti-theft, accident-free, Steer Clear safe driver discount, good student, and multiple policy.
- AAA may offer discounts for good driver, AAA membership discount, multi-policy, anti-theft, good student, and education and occupation.
It's a good idea to ask every company the best way to save money. Savings might not be offered in Scottsdale. To find car insurance companies that provide some of the discounts listed above in Scottsdale, click here to view.
Neighborhood agents and car insurance
Some consumers still prefer to sit down and talk to an agent and that is not a bad decision Professional agents can answer important questions and will help you if you have claims. The best thing about price shopping on the web is you can get lower auto insurance rates and also buy local.
To find an agent, once you fill out this form (opens in new window), the coverage information is transmitted to agents in your area who can give free rate quotes and help you find cheaper coverage. You won't need to leave your house because prices are sent directly to you. If you have a need to compare prices from a particular provider, don't hesitate to navigate to their website and submit a quote form there.
Finding the right company should include more criteria than just the quoted price. Get answers to these questions too.
- What company do they have the most business with?
- Can glass repairs be made at your home?
- Is there a local claims center in Scottsdale?
- How are claims handled?
- Are they properly licensed to sell insurance in Arizona?
- Are they able to provide referrals?
- How would your car be valued if totaled?
Pick the best car insurance agent in Scottsdale for you
If you would like to find a good Scottsdale insurance agent, it helps to know the two different types of agents and how they can quote your rates. Scottsdale agents are classified as either exclusive agents or independent agents. Both types of agents can handle car insurance, but we need to point out why they differ because it can factor into which type of agent you select.
Exclusive Car Insurance Agencies
Agents that elect to be exclusive have only one company to place business with like AAA, Allstate, and State Farm. They generally cannot provide prices from multiple companies so keep that in mind. They are usually well trained in insurance sales which helps them compete with independent agents. Some people will only buy from exclusive agents mostly because of the brand and strong financial ratings.
Shown below are exclusive insurance agents in Scottsdale willing to provide rate quotes.
- Craig Smith - Farmers Insurance - Scottsdale
9332 E Raintree Dr #140 - Scottsdale, AZ 85260 - (480) 657-7906 - View Map
- Brock T Quinn - State Farm Insurance Agent
8100 E Indian School Rd #102 - Scottsdale, AZ 85251 - (480) 668-3878 - View Map
- John Collins - State Farm Insurance Agent
8140 E Cactus Rd Ste 700 - Scottsdale, AZ 85260 - (602) 466-3100 - View Map
Independent Car Insurance Agents
Agents of this type are not locked into one company so they can write business through lots of different companies and find you the best rates. If prices rise, they simply move the coverage in-house and you don't have to find a new agent.
When comparing rate quotes, it's recommended you get some free quotes from several independent insurance agents so that you can do a thorough price comparison. Many write coverage with companies that do not advertise much that can offer cheaper rates than bigger companies.
Shown below is a short list of independent insurance agents in Scottsdale willing to provide rate quotes.
- Vanyo Insurance Group
8040 E Morgan Trail #5A - Scottsdale, AZ 85258 - (480) 998-4014 - View Map
- JVP Insurance Agency
10025 E Dynamite Blvd - Scottsdale, AZ 85262 - (480) 473-3100 - View Map
- Palomino Insurance Agency
8889 E Bell Rd - Scottsdale, AZ 85260 - (480) 483-8000 - View Map
Do I need special coverages?
When it comes to the best insurance coverage, there really isn't a one size fits all plan. Each situation is unique and your policy should reflect that. For example, these questions might point out if your situation could use an agent's help.
- Can my babysitter drive my car?
- When should I drop full coverage on my Toyota Camry Hybrid?
- Should I buy additional glass protection?
- Is business equipment covered while in my vehicle?
- Is pleasure use cheaper than using my Toyota Camry Hybrid to commute?
- How can I get my company to pay me more for my totaled car?
If you don't know the answers to these questions but one or more may apply to you, you may need to chat with a licensed agent. If you don't have a local agent, complete this form or you can also visit this page to select a carrier It's fast, free and can help protect your family.
Persistence pays off
You just learned a lot of information how to save on Toyota Camry Hybrid insurance in Scottsdale. The key thing to remember is the more rate comparisons you have, the better chance you'll have of finding affordable Toyota Camry Hybrid insurance quotes. You may even discover the best prices are with the least-expected company. These smaller insurers may only write in your state and offer lower rates than their larger competitors like GEICO and State Farm.
Cheaper Toyota Camry Hybrid insurance in Scottsdale is definitely available on the web and from local agencies, so get free Scottsdale auto insurance quotes from both of them to have the best selection. Some insurance companies may not have online quoting and most of the time these small insurance companies sell through independent insurance agents.
More tips and info about insurance is located in the articles below:
- Understanding Limits and Deductibles (Allstate)
- Who Has the Cheapest Scottsdale Car Insurance Quotes for a Nissan Sentra? (FAQ)
- Shopping for a Safe Car (Insurance Information Institute)
- Alcohol Impaired Driving FAQ (iihs.org)
- Auto Insurance Facts and Statistics (Insurance Information Institute)