If price shopping Pittsburgh auto insurance quotes online is new to you, there’s a good chance you are confused by the diversity of insurance providers vying for business in Pittsburgh.
Steps to finding affordable Toyota Camry insurance in Pittsburgh
The best way we recommend to get low-cost Toyota Camry insurance in Pittsburgh is to compare prices regularly from companies in Pennsylvania. Prices can be compared by following these steps.
First, gain an understanding of how companies set rates and the measures you can control to prevent expensive coverage. Many things that cause high rates like high-risk driving behaviors and a poor credit rating can be eliminated by improving your driving habits or financial responsibility. Keep reading for more ideas to prevent high prices and earn a bigger discount.
Second, request price quotes from direct, independent, and exclusive agents. Direct companies and exclusive agencies can only provide price estimates from one company like Progressive and State Farm, while independent agents can provide rate quotes from multiple companies.
Third, compare the price quotes to your current policy to determine if switching companies saves money. If you find better rates, make sure the effective date of the new policy is the same as the expiration date of the old one.
The most important part of shopping around is to use the same level of coverage on each price quote and and to get price estimates from as many companies as possible. This helps ensure a level playing field and many rates to choose from.
It’s a known fact that auto insurance companies don’t want their customers to go rate shopping. People who shop around once a year will most likely buy a new policy because of the good chance of finding a lower rate. Surprisingly, a recent survey revealed that drivers who made a habit of comparing rate quotes saved on average $70 a month compared to people who never compared prices.
If saving money on Toyota Camry insurance is your objective, then having some knowledge of how to find companies and compare insurance rates can save money and time.
If you have insurance now, you should be able to find the best rates using this strategy. Quoting and comparing rates for the cheapest policy in Pittsburgh is not that difficult. But Pennsylvania car owners can benefit from knowing the way insurance companies determine prices and apply this information to your search.
Ways to get Toyota Camry insurance rate quotes in Pittsburgh, Pennsylvania
The majority of larger companies provide prices for coverage on their websites. Getting quotes for Toyota Camry insurance in Pittsburgh is pretty painless as all you need to do is type in your coverage preferences into a form. After the form is submitted, the system obtains your driving record and credit report and returns a price based on the information you submitted.
Getting online price quotes for Toyota Camry insurance in Pittsburgh helps simplify price comparisons, and it is important to have as many quotes as possible if you want to get a better rate.
To use this form to compare rates, compare rate quotes from the providers shown below. If you have coverage now, it’s recommended you type in the coverage information identical to your current policy. This guarantees you’re receiving comparison quotes based on identical coverages.
The companies shown below offer comparison quotes in Pennsylvania. If multiple companies are listed, it’s highly recommended you get price quotes from several of them in order to find the cheapest rates.
Insurance statistics for a Toyota Camry
The rate table below showcases different coverage prices for Toyota Camry models. Having a good understanding how premiums are established can help you make informed decisions when comparing rate quotes.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Camry LE | $284 | $512 | $330 | $20 | $98 | $1,244 | $104 |
| Camry SE | $284 | $602 | $330 | $20 | $98 | $1,334 | $111 |
| Camry XLE | $284 | $602 | $330 | $20 | $98 | $1,334 | $111 |
| Camry Hybrid | $320 | $602 | $372 | $22 | $112 | $1,428 | $119 |
| Get Your Own Custom Quote Go | |||||||
Table data represents married male driver age 30, no speeding tickets, no at-fault accidents, $100 deductibles, and Pennsylvania minimum liability limits. Discounts applied include claim-free, multi-policy, homeowner, safe-driver, and multi-vehicle. Information does not factor in specific garaging location which can modify premium rates greatly.
Insurance deductibles
One common question asked by Pittsburgh drivers is at what level do you set your deductibles. The rates shown below determine how much more you’ll pay between low and high comp and collision deductibles. The first data set uses a $100 deductible for comprehensive and collision coverage and the second set of prices uses a $500 deductible.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Camry LE | $284 | $512 | $330 | $20 | $98 | $1,269 | $106 |
| Camry SE | $284 | $602 | $330 | $20 | $98 | $1,359 | $113 |
| Camry XLE | $284 | $602 | $330 | $20 | $98 | $1,359 | $113 |
| Camry Hybrid | $320 | $602 | $372 | $22 | $112 | $1,453 | $121 |
| Get Your Own Custom Quote Go | |||||||
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Camry LE | $206 | $346 | $330 | $20 | $98 | $1,000 | $83 |
| Camry SE | $206 | $408 | $330 | $20 | $98 | $1,062 | $89 |
| Camry XLE | $206 | $408 | $330 | $20 | $98 | $1,062 | $89 |
| Camry Hybrid | $234 | $408 | $372 | $22 | $112 | $1,148 | $96 |
| Get Your Own Custom Quote Go | |||||||
Data rating is based on married male driver age 30, no speeding tickets, no at-fault accidents, and Pennsylvania minimum liability limits. Discounts applied include safe-driver, homeowner, multi-vehicle, multi-policy, and claim-free. Premium costs do not factor in Pittsburgh location which can revise insurance rates substantially.
Based on this data, using a $100 deductible will cost you approximately $24 more each month or $288 each year averaged for all Camry models than opting for the higher $500 deductible. Because you would be required to pay $400 more to settle a claim with a $500 deductible as compared to a $100 deductible, if you average more than 17 months between claims, you would probably be better off if you choose a higher deductible.
Auto insurance is not optional in Pennsylvania
Even though it’s not necessarily cheap to insure a Toyota in Pittsburgh, insuring your vehicle is required in Pennsylvania but it also protects you in many ways.
- Just about all states have minimum liability requirements which means the state requires a minimum amount of liability in order to be legal. In Pennsylvania these limits are 15/30/5 which means you must have $15,000 of bodily injury coverage per person, $30,000 of bodily injury coverage per accident, and $5,000 of property damage coverage.
- If you bought your vehicle with a loan, most lenders will force you to have physical damage coverage to ensure the loan is repaid in case of a total loss. If you cancel or allow the policy to lapse, the lender may have to buy a policy to insure your Toyota at a significantly higher premium and require you to pay for the expensive policy.
- Insurance protects not only your car but also your assets. Insurance will pay for medical bills for not only you but also any passengers injured in an accident. As part of your policy, liability insurance also pays expenses related to your legal defense if anyone sues you for causing an accident. If your vehicle suffers damage from an accident or hail, your auto insurance policy will pay all costs to repair after the deductible has been paid.
The benefits of having auto insurance are without a doubt worth the cost, particularly if you ever have a claim. As of last year, the average driver in Pennsylvania is overpaying over $830 a year so it’s important to compare rates at least once a year to ensure rates are inline.
How do Insurers Determine Toyota Camry Insurance Costs?
Many things are taken into consideration when you get a price on insurance. Some of the criteria are obvious such as your driving record, but others are not as apparent like where you live or your commute time.
Shown below are just a few of the factors car insurance companies consider when setting your rates.
Car plus home equals more savings – Most major insurers apply lower prices to buyers that buy multiple policies such as combining an auto and homeowners policy. The discount can be ten or even fifteen percent. If you currently are using one company, it’s still a good idea to shop around to make sure you are getting the best deal.
Protect yourself with liability – The liability coverage on your policy kicks in when a jury decides you are liable for causing damage or personal injury in an accident. This coverage provides you with a defense in court to attempt to prove you were not liable. Liability insurance is quite affordable when compared to the cost of physical damage coverage, so do not cut corners here.
Rates go up with performance – The performance of the vehicle you are insuring makes a big difference in your auto insurance rates. Lower performance four cylinder passenger models usually have the lowest rates, but the final cost of insurance is determined by many other factors.
The data below assumes a married female driver age 30, full coverage with $100 deductibles, and no discounts or violations. It illustrates Toyota Camry rates compared to other vehicles that have different risk factors.
Your gender affects prices – Statistics demonstrate women are more cautious behind the wheel. That doesn’t necessarily mean that women are better drivers. Men and women get in at-fault accidents at a similar rate, but the men tend to have more serious accidents. Men also statistically receive more costly citations like driving under the influence (DUI).
The diagram below shows the comparison of Toyota Camry auto insurance rates for male and female drivers. The information is based on a clean driving record, no at-fault accidents, comp and collision included, $250 deductibles, drivers are not married, and no discounts are applied.
Tickets can be expensive – Careful drivers have lower premiums than bad drivers. Having a single citation can boost insurance rates to the point where it’s not affordable. Drivers who have gotten flagrant violations like reckless driving or DUI may find that they have to to maintain a SR-22 with their state DMV in order to drive a vehicle legally.
The information below shows how speeding tickets and fender-benders can influence Toyota Camry yearly insurance costs for different age categories. The rate quotes are based on a married male driver, full physical damage coverage, $1,000 deductibles, and no policy discounts are applied.
Pay more of a claim out-of-pocket – Physical damage deductibles are the amount of money you are required to spend before a claim is paid by your company. Coverage for physical damage, also called ‘full coverage’, protects your car from damage. Examples of some claims that would be covered could be collision with another vehicle, animal collisions, and damage from wind. The more damage repair cost the insured is willing to pay, the less your car insurance will be.
Do you really need the add-on coverages? – There are many optional add-on coverages that you can buy but may not be useful. Coverages like rental car coverage, better glass coverage, and membership fees are some examples. The coverages may be enticing when you first buy your policy, but if they’re wasting money eliminate them to save money.
Claim-free discounts can add up – If you are a frequent claim filer, you can look forward to higher premiums or even policy non-renewal. Car insurance companies in Pennsylvania generally give lower rates to drivers that do not abuse their auto insurance. Your insurance policy is intended to be relied upon for larger claims.
Insurance loss probability for a Toyota Camry – Car insurance companies analyze the history of losses to help set a rate to offset losses. Vehicles that tend to have a trend towards higher claims will have higher rates.
The next table illustrates the historical loss data for Toyota Camry vehicles. For each policy coverage type, the claim probability for all vehicles compiled together is set at 100. Numbers under 100 imply a favorable loss record, while percentages above 100 show a trend for more claims or statistically larger claims.
| Specific Toyota Model | Collision | Property Damage | Comp | Personal Injury | Medical Payment | Bodily Injury |
|---|---|---|---|---|---|---|
| Toyota Camry | 110 | 94 | 102 | 148 | 145 | 107 |
| Toyota Camry Hybrid | 124 | 100 | 110 | 118 | 127 | 96 |
Statistics from IIHS.org for 2013-2015 Model Years
Save a ton on Toyota Camry insurance in Pittsburgh with these car insurance discounts
Car insurance is not an enjoyable expense, but you might find some hidden discounts that many consumers don’t even know exist. A few discounts will automatically apply at the time of purchase, but a few must be asked about before you will receive the discount.
- Government Employee Discount – Having worked for a branch of the government could provide a small rate reduction but check with your company.
- Multiple Policy Discount – If you combine your auto and homeowners policies and insure them both with the same insurance company they may give you a discount of over 10 percent off each policy depending on the company.
- Include Life Insurance and Save – Larger companies have better rates if you take out life insurance.
- Resident Student – Children who are enrolled in higher education away from home and don’t have a car can receive lower rates.
- Multiple Cars – Buying a policy with multiple vehicles on one policy can reduce rates for all insured vehicles.
- E-sign – Some insurance companies give back up to $50 get Pittsburgh auto insurance digitally online.
- Discounts for Responsible Drivers – Drivers who avoid accidents can save up to 40% or more on their Pittsburgh auto insurance quote compared to accident prone drivers.
You should keep in mind that most of the big mark downs will not be given to the entire policy premium. The majority will only reduce the price of certain insurance coverages like collision or personal injury protection. If you do the math and it seems like you can get free auto insurance, company stockholders wouldn’t be very happy. Any amount of discount will help lower your overall bill.
The diagram below illustrates the difference between Toyota Camry annual premium costs with and without discounts applied to the rates. The rate quotes are based on a female driver, no claims, a clean driving record, Pennsylvania state minimum liability limits, full coverage, and $500 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with multi-car, safe-driver, claim-free, homeowner, marriage, and multi-policy discounts applied.
For a list of car insurance companies with the best Toyota Camry insurance discounts in Pittsburgh in Pennsylvania, click here to view.
Car insurance is available from local agents
A small number of people would prefer to have an agent’s advice and that can be a great decision The best thing about comparing insurance prices online is that you can obtain the best rates and still buy from a local agent.
By using this simple form, your insurance coverage information gets sent to agents in your area that provide free Pittsburgh auto insurance quotes for your coverage. It simplifies rate comparisons since you won’t have to search for any insurance agencies because prices are sent immediately to your email address. You can most likely find cheaper rates AND an agent nearby. If you wish to compare prices from a particular provider, you can always go to their quote page to submit a rate quote request.
Finding the right company requires you to look at more than just a low price. You should also get answers to these questions.
- What are their preferred companies if they are an independent agency?
- Are they in the agency full-time?
- Will you get a loaner vehicle if you car is being repaired?
- Which insurance company do they prefer to write with?
- Do they have designations such as AIC, CPCU, or CIC?
- If you have an accident, are you able to get your vehicle repaired at the shop of your choice?
Which auto insurance company is best in Pittsburgh?
Picking the best auto insurance provider can be difficult considering how many different companies insure vehicles in Pittsburgh. The company information below could help you choose which companies you want to consider comparing rates with.
Top 10 Pittsburgh Car Insurance Companies Ranked by Customer Service
- Titan Insurance
- The Hartford
- American Family
- Progressive
- USAA
- Travelers
- State Farm
- GEICO
- Erie Insurance
- Allstate
Top 10 Pittsburgh Car Insurance Companies by A.M. Best Rank
- USAA – A++
- GEICO – A++
- Travelers – A++
- State Farm – A++
- Allstate – A+
- Nationwide – A+
- Esurance – A+
- Erie Insurance – A+
- Progressive – A+
- Titan Insurance – A+
Shop around and save
In this article, we presented quite a bit of information on how to shop for Toyota Camry insurance online. The key concept to understand is the more price quotes you have, the better your comparison will be. Drivers may even discover the lowest auto insurance rates are with some of the lesser-known companies.
Consumers who switch companies do it for any number of reasons including poor customer service, lack of trust in their agent, being labeled a high risk driver or policy cancellation. It doesn’t matter what your reason, choosing a new insurance company is actually quite simple.
Budget-conscious Toyota Camry insurance is available online and with local Pittsburgh insurance agents, so you need to shop Pittsburgh auto insurance with both to have the best rate selection. A few companies do not provide rate quotes online and many times these regional insurance providers prefer to sell through independent agencies.
Steps to finding better rates for Toyota Camry insurance in Pittsburgh
The best way we recommend to get budget Toyota Camry insurance is to make a habit of comparing prices annually from different companies who sell auto insurance in Pittsburgh. You can compare prices by completing these steps.
- First, spend a few minutes and learn about how insurance works and the things you can control to keep rates down. Many risk factors that result in higher prices like getting speeding tickets and an unacceptable credit score can be improved by making minor changes in your lifestyle.
- Second, obtain price quotes from exclusive agents, independent agents, and direct providers. Exclusive agents and direct companies can only provide price estimates from a single company like Progressive or Farmers Insurance, while independent agents can quote prices from multiple companies.
- Third, compare the price quotes to the premium of your current policy to determine if you can save on Camry insurance. If you can save some money and decide to switch, make sure the effective date of the new policy is the same as the expiration date of the old one.
One bit of advice is to compare similar limits and deductibles on each quote and and to get quotes from as many different insurance providers as possible. Doing this ensures a level playing field and the best price selection.
For more information, feel free to visit these articles:
- Five Mistakes to Avoid (Insurance Information Institute)
- How Much is Pittsburgh Auto Insurance for Felons? (FAQ)
- How Much are Car Insurance Quotes for Police Officers in Pittsburgh? (FAQ)
- Booster Seat Ratings (iihs.org)
- Auto Crash Statistics (Insurance Information Institute)
- Prepare your Teens for Safe Driving (InsureUonline.org)
- New Honda safety features benefit drivers of all ages (Insurance Institute for Highway Safety)