Car owners who just recently started shopping for insurance coverage online are likely to discover purchasing cheaper Camry insurance can be quite challenging.

Discount Toyota Camry insuranceA recent study showed that nearly 70% of drivers have stayed with the same insurance company for a minimum of four years, and 38% of drivers have never quoted rates to find affordable coverage. Springfield drivers could cut their rates by up to $323 a year just by getting comparison quotes, but most tend to underestimate the amount of savings they would get if they switched to a cheaper policy.

Just keep in mind that comparing all the rates in your area helps improve the odds of finding the best price. Some regional insurers cannot provide online rate quotes, so it's necessary to compare price quotes from them, too.

The following companies provide price comparisons in Springfield, MO. If more than one company is shown, it's a good idea that you visit as many as you can to get the best price comparison.

Toyota Camry Insurance Cost Estimates in Springfield, MO
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Camry LE $98 $182 $250 $14 $74 $618 $52
Camry SE $176 $400 $280 $16 $84 $956 $80
Camry XLE $188 $376 $274 $16 $82 $936 $78
Camry Hybrid $200 $400 $316 $18 $94 $1,028 $86
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Prices based on married female driver age 40, no speeding tickets, no at-fault accidents, $250 deductibles, and Missouri minimum liability limits. Discounts applied include homeowner, safe-driver, claim-free, multi-policy, and multi-vehicle. Price information does not factor in Springfield location which can increase or decrease price quotes substantially.

Auto insurance premiums based on gender

The illustration below visualizes the comparison of Toyota Camry premium costs for male and female drivers. The premiums assume no violations or accidents, full physical damage coverage, $1,000 deductibles, drivers are not married, and no policy discounts are applied.

Physical damage deductibles

The example below illustrates how your deductible choice and can increase or decrease Toyota Camry insurance costs for each age group. The price estimates are based on a single male driver, full physical damage coverage, and no additional discounts are factored in.

Physical damage deductible comparison

One of the most common auto insurance questions is how high should the physical damage deductibles be. The tables below help summarize the rate fluctuation between high and low physical damage coverage deductibles. The first rate estimation uses a $250 physical damage coverage deductible and the second price grid uses a $1,000 deductible.

Toyota Camry insurance rates with $250 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Camry LE $206 $346 $266 $16 $80 $939 $78
Camry SE $206 $408 $266 $16 $80 $1,001 $83
Camry XLE $206 $408 $266 $16 $80 $1,001 $83
Camry Hybrid $232 $408 $302 $18 $90 $1,075 $90
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Toyota Camry insurance rates with $1,000 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Camry LE $128 $218 $266 $16 $80 $708 $59
Camry SE $128 $258 $266 $16 $80 $748 $62
Camry XLE $128 $258 $266 $16 $80 $748 $62
Camry Hybrid $144 $258 $302 $18 $90 $812 $68
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Table data represents married male driver age 30, no speeding tickets, no at-fault accidents, and Missouri minimum liability limits. Discounts applied include multi-policy, homeowner, claim-free, multi-vehicle, and safe-driver. Price estimates do not factor in your specific Springfield location which can affect premium rates significantly.

Using the data above, we can ascertain that using a $250 deductible costs roughly $21 more each month or $252 for a full year than quoting the higher $1,000 deductible. Due to the fact that you would have to pay $750 more to file a claim with a $1,000 deductible as compared to a $250 deductible, if you average at a minimum 36 months between claim filings, you would probably come out ahead if you elect the higher deductible.

How to calculate if a higher deductible is a good decision

Average monthly premium for $250 deductibles: $84
Average monthly premium for $1,000 deductibles (subtract): - $63
Monthly savings from raising deductible: $21
Difference between deductibles ($1,000 - $250): $750
Divide difference by monthly savings: $750 / $21
Number of months required between physical damage coverage claims in order to save money by choosing the higher deductible 36 months

Take advantage of these discounts on Toyota Camry insurance in Springfield

Companies don't always publicize every available discount very clearly, so the list below contains both the well known and the harder-to-find ways to save on auto insurance.Save money with discounts

It's important to note that many deductions do not apply to the overall cost of the policy. Some only apply to individual premiums such as liability and collision coverage. So despite the fact that it appears it's possible to get free car insurance, it doesn't quite work that way.

Larger auto insurance companies and their possible discounts are included below.

Before purchasing a policy, check with each company or agent how many discounts you can get. A few discounts may not apply in your state. To find insurers that offer the discounts shown above in Springfield, click this link.

It may be expensive, but it's not optional

Despite the high insurance cost for a Toyota Camry in Springfield, buying auto insurance may be required and benefits you in several ways.

The benefits of buying enough insurance outweigh the cost, particularly if you ever have a claim. But the average American driver is currently overpaying as much as $825 a year so compare rate quotes at every renewal to be sure current rates are still competitive.

What is the best auto insurance coverage?

When it comes to choosing coverage online or from an agent, there is no one size fits all plan. Each situation is unique so your insurance should reflect thatSafe vehicles cost less to insure For instance, these questions can help discover if your situation could use an agent's help.

If you can't answer these questions, you might consider talking to an agent. To find an agent in your area, simply complete this short form or click here for a list of auto insurance companies in your area.

When to contact an insurance agent

Some people prefer to talk to a local agent and often times that is recommended The biggest benefit of getting free rate quotes online is the fact that drivers can get the best rates and also buy local.

Insurance agency in SpringfieldTo find an agent, once you fill out this short form, the coverage information gets sent to participating agents in Springfield who will give competitive quotes to get your business. It makes it easy because there is no need to find an agent since price quotes are sent directly to you. You can get cheaper insurance rates without a big time investment. If you wish to get a price quote from a specific company, you just need to go to their quote page and complete a quote there.

Finding a good insurer should depend on more than just the bottom line cost. The answers to these questions are important, too.