Best Insurance for a Toyota Camry in New Orleans

Unimaginable but true, a large majority of drivers renewed their policy with the same company for more than four years, and nearly half have never even compared quotes to find cheap rates. American consumers can save almost $850 each year by just comparing quotes, but they don’t want to take the time to save money by comparing rate quotes.

Insurance quote for Toyota Camry in New OrleansThe most effective way to get the cheapest Toyota Camry insurance in New Orleans is to compare quotes annually from insurance carriers who provide car insurance in Louisiana.

  1. Read about how insurance works and the measures you can take to prevent high rates. Many rating factors that increase rates such as multiple speeding tickets and an imperfect credit rating can be eliminated by being financially responsible and driving safely. Keep reading for the details to help reduce premium rates and find available discounts that you may qualify for.
  2. Request rate estimates from direct, independent, and exclusive agents. Direct and exclusive agents can only provide price estimates from one company like Progressive and State Farm, while agents who are independent can quote prices from multiple companies. Find a New Orleans insurance agent
  3. Compare the new quotes to your existing rates to see if you can save by switching companies. If you can save money and switch companies, make sure coverage does not lapse between policies.
  4. Tell your current company of your intention to cancel your existing policy and submit a completed policy application and payment to your new agent or company. Immediately upon receiving it, put the proof of insurance certificate with your vehicle’s registration.

An important part of this process is that you use identical coverage information on each price quote and and to get rate quotes from as many different insurance providers as possible. Doing this enables a fair rate comparison and a thorough selection of prices.

If you have a current auto insurance policy, you stand a good chance to be able to find better prices using the tips covered below. Locating the best rates in New Orleans can be made easier if you know where to look. But Louisiana car owners should learn how companies market on the web because rates fluctuate considerably.

The are a couple different ways to compare quotes from companies that offer car insurance in Louisiana. The recommended way to find affordable Toyota Camry insurance rates consists of shopping online.

It’s so fast and easy to compare quotes online that it makes it obsolete to spend your day driving to insurance agents’ offices. Buying insurance online reduces the need to sit down with an agent unless you have a complicated situation and need the advice and guidance that can only be provided by a licensed insurance agent. However, consumers can price shop your coverage online and get advice from an agent in your area. Just keep in mind that comparing more quotes helps locate a lower rate. Not every company does New Orleans Camry insurance quotes over the internet, so it’s important to also get rates from the smaller companies as well.

The car insurance companies shown below have been selected to offer free quotes in New Orleans, LA. To locate the best cheap car insurance in LA, we suggest you visit two to three different companies in order to get a fair rate comparison.

Companies offer many types of discounts on Toyota Camry insurance in New Orleans

Insurance can be pricey, but there could be significant discounts that can dramatically reduce your bill. Some trigger automatically when you complete an application, but a few must be specially asked for before being credited. If you’re not getting every credit you deserve, it’s possible you qualify for a lower rate.Insurance discounts

Remember that many deductions do not apply to your bottom line cost. The majority will only reduce the price of certain insurance coverages like comp or med pay. So when the math indicates having all the discounts means you get insurance for free, insurance companies aren’t that generous.

The example below shows the difference between Toyota Camry insurance rates with and without some available policy discounts. The data assumes a male driver, no claims or driving violations, Louisiana state minimum liability limits, comp and collision included, and $500 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with homeowner, multi-car, multi-policy, safe-driver, marriage, and claim-free discounts applied.

To see insurers who offer insurance discounts in Louisiana, click here.

Rates and other information

The information shown below covers detailed analysis of insurance premium costs for Toyota Camry models. Having knowledge of how insurance quotes are formulated can aid in making smart policy decisions.

Toyota Camry Insurance Rates in New Orleans, LA
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Camry LE $250 $502 $524 $32 $158 $1,466 $122
Camry SE $250 $592 $524 $32 $158 $1,556 $130
Camry XLE $250 $592 $524 $32 $158 $1,556 $130
Camry Hybrid $284 $592 $594 $36 $178 $1,684 $140
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Prices based on single male driver age 50, no speeding tickets, no at-fault accidents, $500 deductibles, and Louisiana minimum liability limits. Discounts applied include homeowner, multi-vehicle, safe-driver, claim-free, and multi-policy. Price information does not factor in the specific area where the vehicle is garaged which can modify premiums greatly.

Higher deductibles save money

The hardest decision when buying coverage is where to set your physical damage deductibles. The premium rates below summarize how much more you’ll pay between high and low policy deductibles. The first table uses a $250 deductible for comp and collision and the second set of rates uses a $1,000 deductible.

Toyota Camry insurance premium estimates with $250 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Camry LE $358 $604 $464 $28 $140 $1,619 $135
Camry SE $358 $712 $464 $28 $140 $1,727 $144
Camry XLE $358 $712 $464 $28 $140 $1,727 $144
Camry Hybrid $406 $712 $524 $32 $158 $1,857 $155
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Toyota Camry insurance premium estimates with $1,000 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Camry LE $222 $380 $464 $28 $140 $1,234 $103
Camry SE $222 $448 $464 $28 $140 $1,302 $109
Camry XLE $222 $448 $464 $28 $140 $1,302 $109
Camry Hybrid $250 $448 $524 $32 $158 $1,412 $118
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Data variables include married male driver age 30, no speeding tickets, no at-fault accidents, and Louisiana minimum liability limits. Discounts applied include multi-policy, safe-driver, claim-free, multi-vehicle, and homeowner. Prices do not factor in vehicle location which can change prices considerably.

Using the premium rates above, we can conclude that using a $250 deductible will cost in the ballpark of $35 more each month or $420 annually than buying the higher $1,000 deductible. Because you would be required to pay $750 more to settle a claim with a $1,000 deductible as compared to a $250 deductible, if you have more than 21 months between claims, you would come out ahead by selecting a higher deductible.

Premiums by gender and age

The information below illustrates the comparison of Toyota Camry insurance costs for male and female drivers. The data is based on no violations or accidents, comp and collision included, $500 deductibles, drivers are not married, and no discounts are taken into consideration.

Buy Cheap Auto Insurance with These Tips

Lots of things are used in the calculation when you quote your car insurance policy. Some of the criteria are obvious like a motor vehicle report, but others are less apparent like your vehicle usage or how safe your car is.

Do I need an agent?

Certain consumers prefer to get advice from a local agent and we recommend doing that One of the best bonuses of price shopping on the web is you can get cheaper car insurance rates and still choose a local agent.

New Orleans insurance agentsFor easy comparison, once you complete this form (opens in new window), the quote information is submitted to companies in New Orleans who will give you bids for your auto insurance coverage. You don’t have to contact an agency as quotes are delivered to you. You can find lower rates without requiring a lot of work. If you have a need to get a comparison quote from a specific insurance company, don’t hesitate to find their quoting web page and complete a quote there.

Picking the best insurer should include more criteria than just the price. Get answers to these questions too.

Exclusive and independent New Orleans auto insurance agents

If you prefer to buy auto insurance from a good insurance agency, you must know there are a couple types of insurance agents and how they are slightly different. Auto insurance agents can either be independent or exclusive depending on the company they work for.

Exclusive Auto Insurance Agents

Agents that elect to be exclusive have only one company to place business with and some examples include Allstate, State Farm and Farm Bureau. These agents are unable to compare other company’s rates so they are skilled at selling on more than just price. They receive a lot of sales training on their company’s products which helps offset the inability to provide other markets.

The following are New Orleans exclusive insurance agencies willing to provide price quote information.

4006 Canal StNew Orleans, LA 70119(504) 517-9080View Map

Place St. Charles, 201 St Charles Ave #224New Orleans, LA 70170(504) 522-9560View Map

5638 Jefferson HwyNew Orleans, LA 70123(504) 739-7979View Map

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Independent Agents

Agents that choose to be independent are not required to write business for one company so they can insure your vehicles through lots of different companies enabling the ability to shop coverage around. If you are not satisfied with one company, they simply switch companies in-house and you can keep the same agent. If you need cheaper auto insurance rates, it’s a good idea to include rate quotes from at a minimum one independent agency to get the most accurate price comparison.

Shown below is a list of independent insurance agents in New Orleans that can give you rate quotes.

3239 Bienville StNew Orleans, LA 70119(504) 371-5519View Map

10709 Chef Menteur Hwy #1New Orleans, LA 70127(504) 302-0620View Map

824 Elmwood Park Blvd #295New Orleans, LA 70123(504) 734-0305View Map

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Louisiana auto insurance company ratings

Buying coverage from the highest-rated auto insurance provider can be difficult considering how many choices drivers have in Louisiana. The ranking data in the lists below can help you analyze which auto insurers to look at when comparing rate quotes.

Top Auto Insurance Companies in New Orleans
Company Value Customer Service Claims Customer Satisfaction A.M Best Rating Overall Score
Travelers 93 98 99 88% A++ 95.1
USAA 83 99 100 91% A++ 94.1
Mercury Insurance 97 96 88 89% A+ 93.4
AAA Insurance 91 95 92 90% A 93.3
Nationwide 85 95 97 89% A+ 92.4
Allstate 77 100 97 88% A+ 90.7
State Farm 80 94 96 88% A++ 90.6
The Hartford 88 93 91 87% A+ 90.4
Safeco Insurance 91 95 85 88% A 90.2
Progressive 88 94 83 88% A+ 90.1
American Family 91 86 95 83% A 89.7
Esurance 86 90 94 90% A+ 89.5
The General 86 93 89 84% A- 88.2
GEICO 79 89 95 87% A++ 87.8
Titan Insurance 86 82 92 86% A+ 86.5
21st Century 86 82 90 84% A 86.4
Liberty Mutual 79 87 95 78% A 85.3
Farmers Insurance 77 80 80 84% A 80.3
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Data Source: Best Car Insurance Companies

Cheap insurance premiums are possible

Discount Toyota Camry insurance in New Orleans can be sourced online in addition to local insurance agencies, and you need to price shop both to have the best rate selection. A few companies may not offer online rate quotes and many times these regional carriers only sell coverage through independent agents.

As you prepare to switch companies, make sure you don’t buy less coverage just to save a little money. Too many times, someone sacrificed liability limits or collision coverage and learned later that it was a big error on their part. Your strategy should be to purchase plenty of coverage for the lowest cost and still be able to protect your assets.

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