How many times have you told yourself to find low-cost Toyota Camry insurance in Rochester? Are you irritated from sacrificing other expenses to keep your car insured? You are in the same boat as most other people in Minnesota.

Insurance quote for Toyota Camry in RochesterShockingly, the vast majority of auto insurance customers kept buying from the same company for at least four years, and 38% of drivers have never quoted rates to find lower-cost coverage. Rochester drivers could save up to $1,040 a year by just comparing quotes, but they don't want to spend time to go online and compare rates.

Big companies like GEICO, 21st Century and Progressive constantly blast consumers with fancy advertisements and it is challenging if not impossible to see through the cute green geckos and mayhem and take the time to shop coverage around.

Affordable car insurance in Rochester, MN

The car insurance companies shown below have been selected to offer price comparisons in Rochester, MN. If multiple companies are listed, we recommend you visit two to three different companies to get the lowest price.

Toyota Camry Insurance Rates in Rochester, MN
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Camry LE $302 $606 $428 $26 $128 $1,490 $124
Camry SE $156 $334 $304 $18 $92 $904 $75
Camry XLE $212 $494 $304 $18 $92 $1,120 $93
Camry Hybrid $272 $560 $434 $26 $130 $1,422 $119
Get Your Own Custom Quote Go

Prices above based on single male driver age 40, no speeding tickets, no at-fault accidents, $250 deductibles, and Minnesota minimum liability limits. Discounts applied include claim-free, multi-policy, homeowner, multi-vehicle, and safe-driver. Rate quotes do not factor in specific zip code location which can modify coverage rates significantly.

Rate increases following a ticket or accident

The chart below illustrates how speeding tickets and accident claims can influence Toyota Camry insurance costs for different categories of driver ages. The data is based on a single female driver, full physical damage coverage, $100 deductibles, and no discounts are applied.

Liability only or full coverage

The diagram below shows the difference between Toyota Camry insurance rates with liability coverage only compared to full coverage. The data is based on no driving violations, no at-fault accidents, $500 deductibles, married male driver, and no other discounts are factored in.

When to buy liability coverage only

There is no set guideline of when to exclude comp and collision coverage, but there is a broad guideline. If the annual cost of coverage is about 10% or more of the vehicle's replacement cost less your deductible, then you might want to think about dropping full coverage.

For example, let's assume your Toyota Camry replacement value is $7,000 and you have $1,000 full coverage deductibles. If your vehicle is severely damaged, the most your company would pay you is $6,000 after the deductible is paid. If premium cost is more than $600 annually to have full coverage, then it's probably a good time to buy liability coverage only.

There are some conditions where only buying liability is not a good idea. If you have an outstanding loan on your vehicle, you are required to maintain full coverage in order to prevent the bank from purchasing higher-priced coverage. Also, if you cannot afford to purchase a different vehicle if your current one is totaled, you should keep full coverage in place.

Can higher deductibles save money?

The information below shows how choosing a deductible and can change Toyota Camry insurance premiums for each age group. The rates are based on a single male driver, full physical damage coverage, and no discounts are factored in.

Insurance rates and discounts

Properly insuring your vehicles can get expensive, but you can get discounts that can help lower your rates. Larger premium reductions will be automatically applied at the time of quoting, but lesser-known reductions have to be inquired about before you get the savings. If you do not double check each discount you qualify for, you are just wasting money.Save money with discounts

We need to note that most credits do not apply to the whole policy. Most only cut the cost of specific coverages such as comp or med pay. Just because it seems like all those discounts means the company will pay you, it just doesn't work that way.

A list of companies and a selection of discounts are outlined below.

If you are trying to find low cost Rochester auto insurance quotes, ask each company the best way to save money. Some discounts listed above might not be offered on policies in Rochester. If you would like to choose from a list of insurance companies offering insurance discounts in Minnesota, click here.

Informed Consumers Can Lower Their Insurance Prices

Multiple criteria are part of the equation when you get a price on insurance. Some are obvious like a motor vehicle report, but other criteria are not quite as obvious such as whether you are married or your financial responsibility. Consumers need to have an understanding of some of the factors that help determine your policy premiums. When consumers understand what impacts premium levels, this helps enable you to make changes that may result in cheaper rates.

When to have guidance from an insurance agency

Certain consumers would prefer to talk to an insurance agent and that can be a great decision One of the best bonuses of comparing rate quotes online is that drivers can save money and get cheap rate quotes and still have an agent to talk to. And supporting local agents is especially important in Rochester.

Rochester insurance agentsTo find an agent, once you fill out this short form, your insurance coverage information is transmitted to participating agents in Rochester that provide free Rochester auto insurance quotes for your coverage. It simplifies rate comparisons since you won't have to leave your computer since price quotes are sent to the email address you provide. You can most likely find cheaper rates and a licensed agent to work with. If you have a need to compare rates for a specific company, just jump over to their website and give them your coverage information.

Insurance agent types

When finding a local agent, it's important to understand the types of agencies and how they operate. Insurance agencies in Rochester can either be independent or exclusive depending on the company they work for.

Independent Agents (or Brokers)

These type of agents do not sell for just one brand so they can quote policies amongst many companies and get the cheapest rates. If you want to switch companies, the business is moved internally which is easy for the insured. If you are comparing rate quotes, it's recommended you include price quotes from at least one independent agent so that you can do a thorough price comparison.

The following is a partial list of independent agencies in Rochester that may be able to provide price quotes.

Pendle-Hansen-Bagne Inc
300 3rd Ave SE #205 - Rochester, MN 55904 - (507) 288-4081 - View Map

45 28th St SE - Rochester, MN 55904 - (507) 529-1515 - View Map

Sixta Insurance LLC
425 15th Ave SW - Rochester, MN 55902 - (507) 288-2366 - View Map

More Rochester agents

Exclusive Car Insurance Agents

Agents of this type can usually just insure with one company and some examples include State Farm or Allstate. They generally cannot give you multiple price quotes so you might not find the best rates. Exclusive agencies are trained well on the products they sell which helps offset the inability to provide other markets.

The following are Rochester exclusive insurance agents who can help you get price quotes.

5025 Hwy 52 N - Rochester, MN 55901 - (507) 281-5194 - View Map

605 12th St SE - Rochester, MN 55904 - (507) 287-8030 - View Map

3510 8th St NW - Rochester, MN 55901 - (507) 288-4124 - View Map

More Rochester agents

Deciding on an insurance agency should include more criteria than just the bottom line cost. These are some valid questions you should ask.

The best insurance company isn't always the cheapest

You just learned quite a bit of information on how to shop for Toyota Camry insurance online. It's most important to understand that the more you quote Rochester auto insurance, the better chance you'll have of finding the cheapest Toyota Camry rate quotes. Consumers could even find that the biggest savings come from the smaller companies. These smaller insurers may have significantly lower premium rates on certain market segments compared to the large companies like Progressive or GEICO.

Cheap Toyota Camry insurance in Rochester can be purchased on the web and from local insurance agents, and you should compare rates from both in order to have the best chance of saving money. A few companies may not provide rate quotes online and usually these regional carriers prefer to sell through independent agents.

When getting Rochester auto insurance quotes online, don't be tempted to buy lower coverage limits just to save a few bucks. Too many times, someone sacrificed full coverage only to regret at claim time that their decision to reduce coverage ended up costing them more. Your aim should be to buy the best coverage you can find at the best price, not the least amount of coverage.

More information is available below: