Finding economical insurance for a Toyota RAV4 is pretty simple, but it is dependent upon many rating factors such as annual vehicle mileage, whether or not you have filed claims in the past, and driving citations. Drivers in Arizona will pay on average $865 each year to insure their RAV4, but that amount is calculated based on a 40-year-old married male driver with both comprehensive and collision coverage and $250 deductibles.
Odds are that you’re not a 40-year-old male, you might be single instead of married, or maybe your RAV4 is old enough that it doesn’t require full coverage. Even a slight difference in rating variables or coverage information could result in a significant change in how much insurance for a Toyota RAV4 costs.
Auto insurance is not the same for everyone, so the only way to find the cheapest coverage for your Toyota is to compare as many rates as you can.
|Model||Comp||Collision||Liability||Medical||UM/UIM||Annual Premium||Monthly Premium|
|RAV4 Sport 2WD||$210||$360||$308||$18||$92||$988||$82|
|RAV4 Limited 2WD||$210||$360||$308||$18||$92||$988||$82|
|RAV4 Limited 4WD||$210||$360||$308||$18||$92||$988||$82|
|RAV4 Limited 4WD||$210||$360||$308||$18||$92||$988||$82|
|RAV4 Sport 4WD||$210||$360||$308||$18||$92||$988||$82|
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Data assumes married male driver age 40, no speeding tickets, no at-fault accidents, $250 deductibles, and Arizona minimum liability limits. Discounts applied include safe-driver, multi-policy, homeowner, multi-vehicle, and claim-free. Information does not factor in zip code location which can change coverage prices noticeably.
Finding a highly-rated insurance company is hard considering how many different companies sell coverage in Arizona. The company ratings in the lists below may help you select which coverage providers you want to consider when shopping insurance around for a Toyota RAV4. The ratings below are for insurance companies that insure vehicles in the majority of U.S. states, so companies without a large exposure are not factored into this list.
|Company||Value||Customer Service||Claims||Customer Satisfaction||A.M Best Rating||Overall Score|
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Data Source: Insure.com Best Car Insurance Companies
The chart below illustrates how your choice of deductibles can raise or lower premium costs when trying to find cheap insurance for a Toyota RAV4. The information is based on a married female driver, full coverage, and no other discounts are factored in.
The data above shows that a 40-year-old driver could lower rates by $246 a year by changing their physical damage coverage from a $100 deductible up to a $500 deductible, or save $370 by switching to a $1,000 deductible. Even younger drivers, such as the 20-year-old chart data, can save $606 annually by choosing a higher deductible.
When raising deductibles, it will be important to have plenty of savings on hand to be able to cover the extra out-of-pocket expense, which is the main disadvantage of using high deductibles.
Here’s why price comparisons are so important
Arizona car insurance rates are calculated based on many things which can substantially decrease or increase the policy price. Improving your credit score, getting divorced, or getting a couple of tickets can cause premium changes that can make some companies affordable when they were higher priced.
Not only may your risk profile change, but auto insurance companies modify rates as often as every three months in order to remain profitable. An extended period of higher than normal claims can cause rate hikes, while lower claim levels may produce cheaper RAV4 insurance rates.
For instance, the chart below analyzes the cheapest car insurance in Scottsdale, AZ for a 35-year-old male driver with a good driving record, no prior claims, and great credit. If we estimate prices based on his current risk profile, The Hartford may offer the cheapest car insurance rates in Scottsdale at $1,096 annually. This is $332 less than the average price paid by Arizona drivers of $1,428. Auto-Owners, Safeco, Travelers, and USAA are the remaining most affordable Scottsdale, AZ auto insurance companies.
In this example, we will give the driver from the above example an accident surcharge, poor credit, and an imperfect driving record. Because each insurer has their own guidelines to establish rates, analyzing rates most likely will result in a slightly different list of the cheapest car insurance companies in Scottsdale as shown below.
Progressive now has the best price on car insurance in Scottsdale with Ameriprise Group, Allied, Auto-Owners, and CSAA now being in the top five. This illustrates why consumers need to take the time to compare lots of rates to get the cheapest auto insurance rates for a Toyota RAV4. Car insurance prices consist of many things and change frequently, so the best price the last time you shopped around may now be one of the more expensive options.
How to find cheaper car insurance for a Toyota RAV4
It’s not impossible to find cheaper rates, and here are some thrifty solutions that can help you quote cheaper coverage.
- Avoid accidents
- Do not get tickets
- Try to remain claim-free
- Do not pay for comprehensive and collision coverage on older vehicles
- Higher physical damage deductibles lower rates
- Shop around for cheaper prices
The last tip is incredibly necessary, as was affirmed in this article. Auto insurance prices in Scottsdale can change significantly in a year, so don’t be afraid to buy from a new company if a better deal can be had. Many consumers stick with the same company and that’s fine, but is isn’t recommended if that faithfulness ends up costing you thousands of dollars over several years. Now is a great time to compare rates to find cheaper car insurance for a Toyota RAV4.
The agents listed below can probably help you determine which insurance coverage you need, since some people have coverage questions and would like to have a little guidance when shopping for the best coverage for a RAV4. It can be hard to find the best rates on your own, and using a licensed agent can add peace of mind knowing your coverage gives you suitable coverage if you have an accident.
To find a Scottsdale insurance agency in your neighborhood, click the button after the list or click here to compare prices now.
Leavitt Group – Powers-Leavitt Insurance Agency
14301 N 87th St Suite 308 – Scottsdale, AZ 85260 – (480) 348-1100
Athena Olson – State Farm Insurance Agent
8170 N 86th Pl #105 – Scottsdale, AZ 85258 – (480) 398-1266
Diemer Insurance Agency Inc
16050 N 76th St – Scottsdale, AZ 85260 – (480) 264-2854
Desert Mountain Insurance Services – Medical Malpractice
2918 N 67th Pl – Scottsdale, AZ 85251 – (480) 348-2200
American Family Insurance – J M Chapman Agency Inc
7055 E Thomas Rd – Scottsdale, AZ 85251 – (480) 945-7122