Affordable Toyota Camry Hybrid Insurance in San Francisco

Want a free price quotes on cheaper Toyota Camry Hybrid insurance in San Francisco? Comparison shopping for low cost Toyota Camry Hybrid insurance in San Francisco is slightly frustrating for beginners to quoting and comparing prices online. With so many options of companies, it can be a difficult mission to compare rates on Toyota Camry Hybrid insurance.

How to find the cheapest rates for Toyota Camry Hybrid insurance in San Francisco

If saving the most money is your goal, then the best way to get discount Toyota Camry Hybrid insurance in San Francisco is to begin comparing prices regularly from insurers who can sell car insurance in California.

First, it will benefit you to learn about how your policy works and the modifications you can make to drop your rates. Many rating criteria that result in higher prices such as speeding tickets, accidents and your credit history can be remedied by making lifestyle changes or driving safer. This article gives tips to help prevent expensive coverage and earn larger discounts.

Second, compare price quotes from direct carriers, independent agents, and exclusive agents. Exclusive agents and direct companies can only quote rates from one company like Progressive and State Farm, while agents who are independent can provide prices from multiple sources.

Third, compare the quotes to your current policy and determine if there is any savings. If you can save money and switch companies, ensure there is no coverage lapse between policies.

The most important part of this process is that you’ll want to compare the same level of coverage on each price quote and and to get price estimates from as many auto insurance providers as possible. Doing this guarantees the most accurate price comparison and a better comparison of the market.

Regrettably, most car insurance customers have remained with the same car insurance company for at least the last four years, and 38% of customers have never compared rates from other carriers. With the average premium in California being $1,387, drivers could cut their rates by as much as $470 a year by just comparing rate quotes, but most tend to underestimate the actual amount they would save if they moved their coverage to a different company.

Just remember that comparing a wide range of rates increases the chance that you will find a better price. Some regional insurers cannot provide online rate quotes, so you need to compare price estimates from those companies as well.

The following companies provide free rate quotes in San Francisco, CA. If multiple providers are shown, we suggest you visit as many as you can to find the cheapest auto insurance rates.

Cheaper rates with these rate reducing discounts

Insurance can be prohibitively expensive, but you might be missing out on some discounts that can drop the cost substantially. Certain credits will be shown at the time of purchase, but a few must be specifically requested before you get the savings. If they aren’t giving you every credit available, you are throwing money away.

• Resident Student – Kids who are enrolled in a college that is more than 100 miles from San Francisco and don’t have a car may qualify for this discount.
• Good Students Pay Less – Excelling in school could provide a savings of up to 20% or more. The discount lasts up to age 25.
• No Accidents – Insureds with no claims or accidents get the best auto insurance rates in comparison with policyholders that have many claims.
• Discount for Passive Restraints – Options like air bags or automatic seat belts can receive discounts of up to 25% or more.
• First Accident Forgiveness – This one is not really a discount per se, but companies like Allstate and GEICO may permit one accident before raising your premiums if your claims history is clear prior to being involved in the accident.
• Discounts for Good Drivers – Insureds who avoid accidents can pay as much as 50% less than less cautious drivers.
• Policy Bundle Discount – If you have multiple policies with the same insurance company you will save as much as 10 to 15 percent.

Keep in mind that most discount credits are not given to the entire policy premium. Most only cut the price of certain insurance coverages like physical damage coverage or medical payments. Just because you may think you would end up receiving a 100% discount, insurance companies wouldn’t stay in business.

The illustration below shows the comparison of Toyota Camry Hybrid insurance costs with and without discounts applied to the policy rates. The premiums are based on a female driver, no driving violations, no at-fault accidents, California state minimum liability limits, full physical damage coverage, and $500 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with safe-driver, marriage, claim-free, multi-car, homeowner, and multi-policy discounts applied.

The best auto insurance companies and some of the premium reductions they offer are shown below.

• Farm Bureau may have discounts that include renewal discount, good student, multi-vehicle, youthful driver, safe driver, 55 and retired, and driver training.
• MetLife has discounts for accident-free, good driver, defensive driver, good student, multi-policy, claim-free
• Progressive may include discounts for multi-vehicle, good student, multi-policy, homeowner, online signing, online quote discount, and continuous coverage.
• AAA offers premium reductions for education and occupation, good driver, AAA membership discount, pay-in-full, good student, and anti-theft.
• American Family discounts include Steer into Savings, defensive driver, multi-vehicle, TimeAway discount, accident-free, good student, and air bags.
• GEICO offers discounts including defensive driver, daytime running lights, anti-theft, membership and employees, and seat belt use.
• State Farm includes discounts for student away at school, accident-free, passive restraint, good student, driver’s education, and multiple autos.

Double check with all the companies which discounts you may be entitled to. Some discounts may not be available in your state. If you would like to choose from a list of insurers with discount auto insurance rates in California, click this link.

Analysis of coverages

The price information displayed next showcases detailed analysis of coverage prices for Toyota Camry Hybrid models. Understanding more about how rate quotes are calculated is important for drivers to make smart choices when purchasing an insurance policy.

Premium data assumes single male driver age 30, no speeding tickets, no at-fault accidents, $1000 deductibles, and California minimum liability limits. Discounts applied include multi-vehicle, claim-free, homeowner, multi-policy, and safe-driver. Rate quotes do not factor in specific location information which can increase or decrease auto insurance rates considerably.

Comparison of policy deductibles

When shopping for car insurance, a common question is how high should your deductibles be. The premium rates below may help you to understand how much more rates are of buying low and high coverage deductibles. The first pricing table uses a $250 physical damage coverage deductible and the second set of rates uses a $500 deductible.

Above prices assume married male driver age 30, no speeding tickets, no at-fault accidents, and California minimum liability limits. Discounts applied include safe-driver, claim-free, homeowner, multi-policy, and multi-vehicle. Premium amounts do not factor in the specific area where the vehicle is garaged which can increase or decrease premium rates substantially.

Based on the data above, we can derive that using a $250 deductible would cost the average driver about $19 more each month or $228 for a full year than requesting the higher $500 deductible. Because you would pay $250 more to file a claim with a $500 deductible as compared to a $250 deductible, if you usually have at least 13 months between claims, you would save money if you decide on a higher deductible. The illustration below shows how you can do this calculation yourself.

One important note is that raising deductibles results in more money out-of-pocket when you have a comprehensive or collision claim. That will force you to have some money saved in the event you need to pay the deductible for vehicle repair.

The chart below demonstrates how choosing different deductibles and can affect Toyota Camry Hybrid insurance rates for different age groups of insureds. The prices are based on a single male driver, full coverage, and no additional discounts are factored in.

Local San Francisco car insurance agents and car insurance

A lot of people would rather get advice from a local agent and that is a personal choice. One of the benefits of getting online price quotes is that you can find the lowest rates and also buy local. Buying from local agents is still important in San Francisco.

For easy comparison, once you complete this form (opens in new window), the coverage information is immediately sent to companies in San Francisco who will give competitive quotes for your car insurance coverage. It’s much easier because you don’t need to leave your house due to the fact that quote results will go to you directly. You can find lower rates AND a local agent. If for some reason you want to get a comparison quote from one company in particular, just go to their quote page and submit a quote form there.

Exclusive agents vs. Independent agents

If you want a reliable agent, you should know the types of agencies and how they are slightly different. Car insurance agencies can be described as either exclusive or independent (non-exclusive).

Independent Agencies or Brokers

These type of agents are not employed by one company and that gives them the ability to insure with an assortment of companies and help determine which has the cheapest rates. If they quote lower rates, the agent simply finds a different carrier and you stay with the same agent.

If you need cheaper car insurance rates, it’s recommended you get insurance quotes from a few independent agents to get the most accurate price comparison. Many independent agencies also insure through small mutual carriers that many times have cheaper rates.

Below are independent insurance agencies in San Francisco that can possibly get you price quote information.

• Robert E. Kennedy Insurance Agency
  Flood Building, 870 Market St #740 – San Francisco, CA 94102 – (415) 951-0738 – View Map
• United General Insurance Agency
  3150 California St Ste 4A – San Francisco, CA 94115 – (415) 922-7283 – View Map
• Barulich Insurance Agency
  San Francisco Pier 33 – Alcatraz Island #203 – San Francisco, CA 94111 – (415) 616-5911 – View Map

View more agents

Exclusive Agencies

Exclusive insurance agents can only quote rates from one company like American Family, State Farm, and AAA. These agents are not able to provide prices from multiple companies so you might not find the best rates. Exclusive insurance agents are highly trained on what they offer which aids in selling service over price. Drivers often buy from exclusive agents mainly due to loyalty to the company rather than low rates.

Listed below is a short list of exclusive agencies in San Francisco who can help you get price quotes.

• Traci Hollander – State Farm Insurance Agent
  1501 Church St – San Francisco, CA 94131 – (415) 647-3007 – View Map
• Cliff Young – State Farm Insurance Agent
  1636 Irving St a – San Francisco, CA 94122 – (415) 665-5118 – View Map
• Ron Burks – State Farm Insurance Agent
  220 Montgomery St #480 – San Francisco, CA 94104 – (415) 397-2994 – View Map

View more agents

Finding the right car insurance agent requires you to look at more than just a cheap quote. Any agent in San Francisco should have no problem answering these questions:

• Do they specialize in personal lines auto insurance in San Francisco?
• Do they write coverage based solely on cost?
• Is vehicle mileage a factor when determining depreciation for repairs?
• How much can you save by raising your physical damage deductibles?
• Is insurance their full-time profession?
• Do the companies they represent have a solid financial rating?

What insurance coverages do I need?

When buying insurance from an agent or online for your vehicles, there isn’t really a single plan that fits everyone. Every insured’s situation is different.

For instance, these questions can aid in determining if your insurance needs would benefit from an agent’s advice.

• Is my camper covered for physical damage?
• Is a driver training discount available?
• Is my Toyota Camry Hybrid covered for smoke damage?
• Does low annual mileage earn a discount?
• Does my policy cover my teen driver if they drive my company car?
• How long can I keep a teen driver on my policy?
• Do I need replacement cost coverage?
• Do I get a pro-rated refund if I cancel my policy early?
• Can I rate high risk drivers on liability-only vehicles?

If you’re not sure about those questions but one or more may apply to you, you might consider talking to an agent. If you want to speak to an agent in your area, simply complete this short form.

San Francisco Insurance Costs are Influenced by These Factors

Multiple criteria are used in the calculation when quoting car insurance. Some are pretty understandable like an MVR report, but other criteria are not quite as obvious like where you live or your vehicle rating.

Only buy what you need – There are quite a few extra bells and whistles that sound like a good idea at the time when buying insurance. Coverages like replacement cost coverage, death and dismemberment, and Farm Bureau memberships are examples of these. You may think they are a good idea at first, but if you have no use for them get rid of them and save.

Save by driving vehicles with better crash test results – Cars with high safety ratings get lower rates. Safer cars help reduce the chance of injuries in an accident and fewer injuries translates into savings for insurance companies which can result in lower premiums. If your Toyota Camry Hybrid has ratings of a minimum an “acceptable” rating on the Insurance Institute for Highway Safety website or four stars on the National Highway Traffic Safety Administration website you are probably receiving a discount.

With age comes lower prices – Teenage drivers in California have been known to be less responsible behind the wheel so they pay higher insurance rates. Adding a youthful driver onto a policy can really hurt. Mature drivers are viewed as being more responsible, are lower risk to insure, and are generally more financially stable.

The following data assumes a single driver, full coverage with $500 deductibles, and no discounts or violations.

Premiums and your address – Being located in a rural area has it’s advantages when buying insurance. Fewer drivers means a lower chance of having an accident in addition to lower liability claims. People who live in big cities tend to have traffic congestion and much longer commute distances. More time on the road means more chances of being involved in an auto accident.

Increase physical damage deductibles to save – Protection for physical damage, also called ‘full coverage’, covers damage that occurs to your Toyota. Some instances where coverage would apply are a windshield shattered by a rock, flood damage, and damage from a fallen tree branch. The deductibles define how much you are willing to pay before your insurance pays a claim. The more money you have to pay, the better rate you will receive.

Gender and insurance coverage rates – Statistics show females are less aggressive when driving. This data doesn’t prove that males are worse at driving than females. Both sexes are responsible for at-fault accidents in similar percentages, but guys get into accidents with more damage. Not only are claims higher, but men get higher numbers of serious violations like DUI and reckless driving.

The chart below visualizes the comparison of Toyota Camry Hybrid auto insurance rates for male and female drivers. The premiums are based on a clean driving record, no claims, full coverage, $500 deductibles, single marital status, and no additional discounts are factored in.

High credit history translates to low premiums – Your credit rating is a big factor in determining what you pay for insurance. If your credit rating is not that good, you could be paying less to insure your Toyota Camry Hybrid if you clean up your credit. Drivers with excellent credit tend to file fewer claims and have better driving records than drivers with worse credit.

Toyota Camry Hybrid claim probability – Insurers use past insurance losses to help determine the price you pay. Models that the data shows to have higher frequency or amount of claims will be charged more to insure. The next table shows the historical insurance loss data for Toyota Camry Hybrid vehicles.

For each type of coverage, the statistical loss for all vehicles, as a total average, equals 100. Values that are under 100 represent a good loss history, while values that are above 100 point to more losses or an increased likelihood of larger losses.

Insurance is an important decision

Despite the high cost, insurance is most likely required but also gives you several important benefits.

• The majority of states have minimum liability requirements which means you are required to buy a specific level of liability insurance coverage in order to be legal. In California 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 took out a loan on your Camry Hybrid, it’s most likely the lender will stipulate that you buy insurance to guarantee payment of the loan. If the policy lapses, the lender may insure your Toyota at an extremely high rate and require you to reimburse them for the expensive policy.
• Insurance safeguards both your assets and your vehicle. It will also provide coverage for medical transport and hospital expenses that are the result of an accident. Liability coverage also pays for attorney fees and expenses if anyone sues you for causing an accident. If your car is damaged in a storm or accident, comprehensive (other-than-collision) and collision coverage will pay all costs to repair after the deductible has been paid.

The benefits of carrying enough insurance definitely exceed the cost, particularly when you have a large claim. According to a survey of 1,000 drivers, the average driver overpays as much as $869 every year so it’s important to compare rates at least once a year to be sure current rates are still competitive.

You can lower your insurance rates

Some insurance companies may not offer rate quotes online and most of the time these regional insurance providers prefer to sell through independent agents. The cheapest Toyota Camry Hybrid insurance in San Francisco is available from both online companies in addition to local insurance agencies, so you should be comparing quotes from both to have the best rate selection.

As you go through the steps to switch your coverage, make sure you don’t buy less coverage just to save a little money. In many cases, someone sacrificed uninsured motorist or liability limits only to regret that a couple dollars of savings turned into a financial nightmare. Your focus should be to purchase a proper amount of coverage at a price you can afford and still be able to protect your assets.

In this article, we covered a lot of tips how to reduce Toyota Camry Hybrid insurance premium rates online in San Francisco. The key thing to remember is the more times you quote, the higher the chance of saving money. You may even be surprised to find that the lowest premium rates are with some of the smallest insurance companies.

Steps to buying lower priced Toyota Camry Hybrid insurance in San Francisco

The recommended way to find cheaper Toyota Camry Hybrid insurance is to regularly compare price quotes from different companies who provide auto insurance in San Francisco.

Step 1: Try to learn about auto insurance and the things you can control to keep rates low. Many rating factors that result in higher prices such as getting speeding tickets and a less-than-favorable credit history can be amended by making small lifestyle or driving habit changes.

Step 2: Obtain price quotes from direct carriers, independent agents, and exclusive agents. Exclusive agents and direct companies can provide rates from one company like Progressive and State Farm, while independent agencies can provide prices for a wide range of insurance providers.

Step 3: Compare the price quotes to your existing rates to determine if you can save on Camry Hybrid insurance. If you can save some money and buy the policy, make sure there is no lapse between the expiration of your current policy and the new one.

The most important part of shopping around is to try to compare similar deductibles and liability limits on every price quote and and to get price quotes from all possible companies. This helps ensure a fair rate comparison and the best price selection.

Other information

• Side Impact Crash Tests (iihs.org)
• How Much are Auto Insurance Rates for Drivers with Bad Credit in San Francisco? (FAQ)
• How Much are Auto Insurance Quotes for Homeowners in San Francisco? (FAQ)
• What Insurance is Cheapest for Drivers with Good Credit in San Francisco? (FAQ)
• Who Has Affordable San Francisco Car Insurance for Drivers Under 25? (FAQ)
• Who Has Cheap Auto Insurance Rates for a Ford Explorer in San Francisco? (FAQ)
• Can I Drive Legally without Insurance? (Insurance Information Institute)
• Choosing a Car for Your Teen (State Farm)
• If I File a Claim will My Insurance Go Up? (Insurance Information Institute)
• When is the Right Time to Switch Car Insurance Companies? (Allstate)