The Camry is a midsize car of Toyota’s lineup, generally one of the most purchased cars in their lineup, second only to perhaps the Corolla. Starting at around $22,000, the Camry is an excellent buy. However, you can’t just look at the sticker price when purchasing a car. There are associated costs of ownership. How much will insurance cost you on a monthly or annual basis? If you’d like to learn how to reduce your premiums, continue reading.
The first thing to keep in mind that insurance premiums will fluctuate and vary from driver to driver and insurer to insurer. That said, Camry owners have seen rates around $1,100 annually.
There are ways that you can lower your premium. First and foremost, do your research and shop around. Never stick with the first quote that you’re given, get several quotes from different companies. Companies will have different incentive programs and discounts that you can take advantage of. By doing this, you’re ensuring you’ll get the best rates.
Take into account your annual mileage and driving history. The lower the risk you pose to your insurer, the more savings will be passed along to you. If you can lower the amount of miles you spend on the road with your car, you can see a decrease in your premium. You will be at lower risk for an accident. On the same vein, a clean driving history denotes a conscientious driver.
Providing a roomy interior, excellent fuel efficiency, and stellar safety ratings, the Camry leaves little to be desired. The only area it trails in, is lack of quality in materials used to make the interior, and an unimpressive driving experience if you don’t upgrade to the V6 engine.
It is offered in 4 trims: base, LE, SE, and XLE. The base model contains such amenities as: air conditioning, power accessories, six-speaker stereo with CD and satellite radio, and stability control. Most models come standard with a 2.5 liter 4 cylinder engine; however, the engine can be upgraded by getting the SE trim which affords you a more powerful 3.5 liter V6. The optional hybrid version of this car gets an impressive 33/34 MPG as well.
The 2012 Camry hasn’t been tested by the IIHS or the federal government, and given the differences in the 2011 model, it might get different safety ratings than the previous year’s model.
However, it has a long list of safety features that can go a long way to lowering your premium.
The 2012 Camry comes with the following equipment:
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