Affordable Insurance for a Toyota Rav4 in Scottsdale

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Buying the lowest cost Scottsdale Toyota Rav4 insurance quotes online can appear to be impossible for beginners to comparing rates and buying insurance online. With so many options of insurers available, how can people effectively compare every insurance company to find the lowest price?

Steps to finding affordable Toyota Rav4 insurance in Scottsdale

Really, the only way to get budget Toyota Rav4 insurance in Scottsdale is to start comparing prices yearly from insurers who sell insurance in Arizona. Rate comparisons can be done by completing these steps.

  1. Get a basic knowledge of coverages and the things you can change to lower rates. Many rating factors that result in higher prices like traffic violations, accidents, and an unacceptable credit rating can be rectified by making small lifestyle or driving habit changes.
  2. Obtain price quotes from exclusive agents, independent agents, and direct providers. Direct companies and exclusive agencies can only quote rates from a single company like Progressive or Farmers Insurance, while agents who are independent can quote rates from many different companies.
  3. Compare the new rates to the premium of your current policy to see if a cheaper price is available in Scottsdale. If you find a lower rate and change companies, make sure there is no lapse in coverage.
  4. Tell your current company of your intention to cancel your existing policy. Submit payment and a completed application to your new carrier. As soon as you receive it, place your new proof of insurance paperwork in your vehicle.

The key thing to know about shopping around is to use the same liability limits and deductibles on each quote request and and to get prices from as many companies as you can. This enables an apples-to-apples comparison and a good representation of prices.

Insurance for Toyota Rav4A recent insurance study discovered that nearly 70% of consumers have remained with the same insurance company for well over three years, and practically 40% of insurance customers have never even compared quotes to find affordable rates. American consumers could pocket $859 a year by just comparing rate quotes, but they don't know the amount of money they would save if they changed companies.

How much does Toyota Rav4 insurance in Scottsdale cost?

Most of the larger companies like Allstate, GEICO and Progressive provide price estimates on the web. Doing online price comparisons for Toyota Rav4 insurance in Scottsdale is possible for anyone as you simply enter your coverage information as detailed in the form. Behind the scenes, the system requests your driving and credit reports and generates a price.

The ability to get online price quotes for Toyota Rav4 insurance in Scottsdale makes it a lot easier to compare rates and it is important to have as many quotes as possible in order to get affordable prices.

To save time and find out how much you can save on auto insurance, take a look at the companies shown below. If you currently have coverage, we recommend you enter the coverage information identical to your current policy. This makes sure you will be getting an apples-to-apples comparison for the exact same coverage.

The companies shown below are ready to provide quotes in Arizona. In order to find the cheapest auto insurance in Arizona, we suggest you get price quotes from several of them to get a more complete price comparison.

Toyota Rav4 insurance analysis

The premium information displayed next showcases a range of policy rates for Toyota Rav4 models. Learning as much as possible about how insurance prices are established can help you make decisions when shopping around.

Toyota Rav4 Insurance Rates in Scottsdale, AZ
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
RAV4 2WD $286 $574 $404 $24 $122 $1,410 $118
RAV4 Sport 2WD $286 $574 $404 $24 $122 $1,410 $118
RAV4 4WD $286 $574 $404 $24 $122 $1,410 $118
RAV4 Limited 2WD $286 $574 $404 $24 $122 $1,410 $118
RAV4 Limited 4WD $286 $574 $404 $24 $122 $1,410 $118
RAV4 Limited 4WD $286 $574 $404 $24 $122 $1,410 $118
RAV4 Sport 4WD $286 $574 $404 $24 $122 $1,410 $118
Get Your Own Custom Quote Go

Table data assumes single female driver age 30, no speeding tickets, no at-fault accidents, $100 deductibles, and Arizona minimum liability limits. Discounts applied include multi-policy, claim-free, safe-driver, homeowner, and multi-vehicle. Table data does not factor in garaging location in Scottsdale which can impact insurance rates considerably.

Should you raise deductibles?

One of the most common auto insurance questions is how high should your deductibles be. The premium rates below can help you understand the premium difference when you choose different physical damage coverage deductibles. The first set of prices uses a $100 deductible for comp and collision and the second data table uses a $1,000 deductible.

Toyota Rav4 insurance with $100 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
RAV4 2WD $258 $466 $300 $18 $90 $1,157 $96
RAV4 Sport 2WD $258 $466 $300 $18 $90 $1,157 $96
RAV4 4WD $258 $466 $300 $18 $90 $1,157 $96
RAV4 Limited 2WD $258 $466 $300 $18 $90 $1,157 $96
RAV4 Limited 4WD $258 $466 $300 $18 $90 $1,157 $96
RAV4 Limited 4WD $258 $466 $300 $18 $90 $1,157 $96
RAV4 Sport 4WD $258 $466 $300 $18 $90 $1,157 $96
Get Your Own Custom Quote Go
Toyota Rav4 insurance with $1,000 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
RAV4 2WD $144 $246 $300 $18 $90 $798 $67
RAV4 Sport 2WD $144 $246 $300 $18 $90 $798 $67
RAV4 4WD $144 $246 $300 $18 $90 $798 $67
RAV4 Limited 2WD $144 $246 $300 $18 $90 $798 $67
RAV4 Limited 4WD $144 $246 $300 $18 $90 $798 $67
RAV4 Limited 4WD $144 $246 $300 $18 $90 $798 $67
RAV4 Sport 4WD $144 $246 $300 $18 $90 $798 $67
Get Your Own Custom Quote Go

Table data represents married male driver age 30, no speeding tickets, no at-fault accidents, and Arizona minimum liability limits. Discounts applied include multi-policy, claim-free, homeowner, safe-driver, and multi-vehicle. Price estimates do not factor in Scottsdale location which can decrease or increase auto insurance rates significantly.

Based on these figures, using a $100 deductible costs an average of $29 more each month or $348 a year averaged for all Rav4 models than requesting the higher $1,000 deductible. Due to the fact that you would have to pay $900 more out-of-pocket with a $1,000 deductible as compared to a $100 deductible, if you average at least 31 months between claims, you would probably come out ahead if you decide on a higher deductible.

Violations and accidents raise rates

The diagram below demonstrates how speeding tickets and at-fault claims can raise Toyota Rav4 car insurance costs for different age groups. The premiums assume a married female driver, full physical damage coverage, $1,000 deductibles, and no discounts are applied.

Three reasons to not skimp on car insurance

Despite the potentially high cost of Toyota Rav4 insurance, insurance serves an important purpose.

  • Almost all states have minimum liability requirements which means you are required to carry a minimum amount of liability insurance in order to get the vehicle licensed. In Arizona these limits are 15/30/10 which means you must have $15,000 of bodily injury coverage per person, $30,000 of bodily injury coverage per accident, and $10,000 of property damage coverage.
  • If you took out a loan on your Toyota Rav4, most banks will require you to have comprehensive coverage to ensure they get paid if you total the vehicle. If coverage lapses or is canceled, the lender may have to buy a policy to insure your Toyota at an extremely high rate and make you pay a much higher amount than you were paying before.
  • Car insurance protects both your assets and your Toyota Rav4. It will also cover hospital and medical expenses for not only you but also any passengers injured in an accident. Liability coverage, the one required by state law, will also pay for a defense attorney if anyone sues you for causing an accident. If mother nature or an accident damages your car, collision and comprehensive (also known as other-than-collision) coverage will cover the damage repairs after a deductible is paid.

The benefits of insuring your car are without a doubt worth the cost, particularly if you ever have a claim. Despite what companies tell you, the average driver overpays more than $850 per year so it's important to compare rates at least once a year to make sure the price is not too high.

Cheaper Toyota Rav4 insurance quotes in Scottsdale

Car insurance is neither fun to buy or cheap, but you can get discounts that you may not know about. Some trigger automatically when you get a quote, but less common discounts must be asked about before being credited.Discount car insurance

  • Theft Deterrent - Anti-theft and alarm system equipped vehicles are less likely to be stolen and will save you 10% or more on Rav4 insurance in Scottsdale.
  • Professional Memberships - Being in a civic or occupational organization in Scottsdale could qualify you for a break when getting a Scottsdale auto insurance quote.
  • New Car Discount - Adding a new car to your policy may earn a small discount because new vehicles are generally safer.
  • Air Bags and Passive Restraints - Cars that have air bags may qualify for discounts as much as 30%.
  • Active Service Discounts - Having an actively deployed family member could qualify you for better car insurance rates.
  • Accident Forgiveness - Not necessarily a discount, but certain companies will allow you to have one accident without getting socked with a rate hike if your claims history is clear for a specific time period.
  • Multi-line Discount - Not every insurance company offers life insurance, but if they do you may earn better car insurance rates if you take out life insurance.
  • Sign Early and Save - A few insurance companies offer discounts for signing up early. The savings is around 10%.
  • Scottsdale Homeowners Discount - Being a homeowner may trigger a policy discount on car insurance because owning a home shows financial diligence.
  • Senior Citizens - If you're over the age of 55, you may qualify for a discount up to 10%.

One thing to note about discounts is that most discount credits are not given to your bottom line cost. Some only apply to the price of certain insurance coverages like comp or med pay. So when it seems like it's possible to get free car insurance, nobody gets a free ride.

The chart below shows the comparison of Toyota Rav4 car insurance costs with and without discounts applied to the rates. The rate quotes are based on a female driver, no claims or driving violations, Arizona state minimum liability limits, full coverage, and $1,000 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with claim-free, safe-driver, marriage, multi-policy, homeowner, and multi-car discounts applied.

A list of car insurance companies and some of the discounts include:

  • State Farm policyholders can earn discounts including good student, defensive driving training, multiple policy, student away at school, and good driver.
  • GEICO offers premium reductions for anti-theft, daytime running lights, military active duty, five-year accident-free, federal employee, good student, and multi-policy.
  • Allstate offers discounts including resident student, utility vehicle, economy car, anti-lock brakes, passive restraint, and good payer.
  • SAFECO may offer discounts for anti-theft, teen safety rewards, multi-car, accident prevention training, safe driver, teen safe driver, and bundle discounts.
  • Farm Bureau may include discounts for good student, 55 and retired, driver training, youthful driver, multi-vehicle, and renewal discount.
  • Progressive includes discounts for online signing, homeowner, online quote discount, multi-vehicle, and good student.
  • AAA discounts include good driver, multi-car, anti-theft, education and occupation, multi-policy, good student, and AAA membership discount.

Before you buy a policy, ask every company how many discounts you can get. Some discounts listed above may not apply to policies in Scottsdale.

How do I know if I need professional advice?

When it comes to coverage for your personal vehicles, there really is not a single plan that fits everyone. You are unique.Drive safe and save

Here are some questions about coverages that may help highlight whether you might need an agent's assistance.

  • Can my babysitter drive my car?
  • Can I rent a car in Mexico?
  • What is covered by UM/UIM coverage?
  • Can I afford to pay high deductible claims out of pocket?
  • Does every company file a SR-22 automatically?
  • Can my babysitter drive my car?
  • When should I not buy collision coverage?
  • What is the difference between comprehensive and collision coverage?
  • Do I have coverage if my license is suspended?

If you're not sure about those questions but you know they apply to you, you might consider talking to an insurance agent. If you want to speak to an agent in your area, take a second and complete this form.

What if I want to buy from local Scottsdale insurance agencies?

A lot of people still like to buy from a local agent and that is recommended in a lot of cases A good thing about getting free rate quotes online is the fact that you can find lower rates and still have an agent to talk to.

Scottsdale insurance agentsUpon completion of this form (opens in new window), your coverage information is transmitted to participating agents in Scottsdale who will gladly provide quotes for your insurance coverage. There is no reason to visit any agencies because quoted prices will be sent to your email. You can get cheaper insurance rates and work with a local agent. If you have a need to compare rates from a specific insurance provider, don't hesitate to find their quoting web page and complete a quote there.

Finding the right company requires you to look at more than just a low price. Any agent in Scottsdale should be willing to answer these questions.

  • Is vehicle damage repaired with OEM or aftermarket parts?
  • Is the agent CPCU or CIC certified?
  • Do you have coverage for a rental car if your vehicle is in the repair shop?
  • Do they have a Better Business Bureau rating in Scottsdale?
  • Is there a Errors and Omissions policy in force?
  • What kind of financial rating does the company have?
  • How often do they review coverages?
  • If they are an independent agency in Scottsdale, which companies do they recommend?

When searching for an insurance agent, you need to know there are two different types of agents and how they can quote your rates. Agents are classified as either exclusive or independent agents depending on their company appointments.

Exclusive Insurance Agents

Agents in the exclusive channel can usually just insure with one company like Farmers Insurance, American Family, State Farm and Allstate. Exclusive agents cannot provide rate quotes from other companies so they really need to provide good service. Exclusive agencies are usually quite knowledgeable in insurance sales which helps them compete with independent agents. Consumers sometimes buy from the same agent for years mainly due to the prominence of the brand rather than having low rates.

The following are Scottsdale exclusive agents that are able to give comparison quotes.

More insurance agents

Independent Agents

Agents that choose to be independent can sell policies from many different companies and that gives them the ability to insure with lots of companies depending on which coverage is best. If your agent finds better pricing, they simply move the coverage in-house and you don't have to switch agencies.

If you are comparing insurance prices, you should always get rate quotes from independent agents to get the most accurate price comparison. Most independent agents also contract with smaller mutual companies which may have better rates.

The following are Scottsdale independent insurance agents that are able to give price quotes.

More insurance agents

Upon getting positive responses for all questions you ask as well as a price you're happy with, it's a good possibility that you have found a car insurance agent that can be relied on to properly service your insurance policy. It's important to know that you can always terminate coverage for any reason so never assume that you are permanently stuck with any specific company with no way out.

Car insurance coverage information

Having a good grasp of your policy can help you determine appropriate coverage and the correct deductibles and limits. The coverage terms in a policy can be ambiguous and even agents have difficulty translating policy wording.

Liability auto insurance - This coverage can cover damage that occurs to other people or property. Split limit liability has three limits of coverage: bodily injury per person, bodily injury per accident and property damage. As an example, you may have limits of 15/30/10 which stand for $15,000 in coverage for each person's injuries, a total of $30,000 of bodily injury coverage per accident, and a limit of $10,000 paid for damaged property.

Liability can pay for claims like legal defense fees, pain and suffering, repair costs for stationary objects and court costs. How much liability coverage do you need? That is a decision to put some thought into, but buy higher limits if possible. Arizona state minimum liability requirements are 15/30/10 but you should consider buying higher limits.

The illustration below shows why buying low liability limits may not be enough.

Comprehensive car insurance - Comprehensive insurance will pay to fix damage that is not covered by collision coverage. You need to pay your deductible first and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive can pay for things such as hitting a deer, damage from getting keyed, hitting a bird, falling objects and hail damage. The highest amount you can receive from a comprehensive claim is the cash value of the vehicle, so if the vehicle's value is low it's probably time to drop comprehensive insurance.

Collision coverage - Collision insurance pays for damage to your Rav4 resulting from a collision with an object or car. You first must pay a deductible and then insurance will cover the remainder.

Collision coverage pays for claims like scraping a guard rail, hitting a parking meter and rolling your car. Paying for collision coverage can be pricey, so consider removing coverage from vehicles that are older. You can also choose a higher deductible on your Rav4 to get cheaper collision coverage.

Coverage for medical expenses - Coverage for medical payments and/or PIP reimburse you for short-term medical expenses for things like chiropractic care, nursing services and surgery. They are used to fill the gap from your health insurance program or if there is no health insurance coverage. Medical payments and PIP cover not only the driver but also the vehicle occupants as well as getting struck while a pedestrian. PIP coverage is not universally available and may carry a deductible

Coverage for uninsured or underinsured drivers - This coverage protects you and your vehicle from other drivers when they either are underinsured or have no liability coverage at all. It can pay for injuries sustained by your vehicle's occupants and damage to your Toyota Rav4.

Since a lot of drivers only carry the minimum required liability limits (15/30/10), it only takes a small accident to exceed their coverage. For this reason, having high UM/UIM coverages is a good idea.

What is the best car insurance company in Scottsdale?

Buying coverage from a highly-rated car insurance company is difficult considering how many companies provide coverage in Scottsdale. The ranking information in the next section could help you analyze which car insurance providers you want to consider when comparing rates.

Top 10 Scottsdale Car Insurance Companies Overall

  1. USAA
  2. American Family
  3. State Farm
  4. The Hartford
  5. AAA Insurance
  6. GEICO
  7. The General
  8. Titan Insurance
  9. Progressive
  10. Mercury Insurance

How much can you save?

People who switch companies do it for many reasons like an unsatisfactory settlement offer, high rates after DUI convictions, lack of trust in their agent or even questionable increases in premium. Regardless of your reason for switching companies, finding a great new company is pretty easy and you might even save some money in the process.

As you go through the steps to switch your coverage, never reduce needed coverages to save money. There have been many cases where an accident victim reduced collision coverage and discovered at claim time that their decision to reduce coverage ended up costing them more. The aim is to buy a smart amount of coverage at an affordable rate, but do not sacrifice coverage to save money.

Lower-priced car insurance in Scottsdale is attainable online in addition to local insurance agencies, and you need to comparison shop both to have the best chance of lowering rates. There are still a few companies who may not provide the ability to get a quote online and these smaller companies work with independent agencies.

How to find lower priced Toyota Rav4 insurance in Scottsdale

If you want to save money, the best way to find cheaper quotes for Toyota Rav4 insurance in Scottsdale is to start doing a yearly price comparison from companies who sell auto insurance in Arizona.

Step 1: Take a little time to learn about auto insurance and the things you can control to prevent rate increases. Many rating factors that cause rate increases such as high-risk driving behaviors and an unacceptable credit history can be amended by improving your driving habits or financial responsibility.

Step 2: Compare prices from independent agents, exclusive agents, and direct companies. Exclusive agents and direct companies can only give prices from one company like GEICO and Allstate, while independent agencies can provide price quotes from multiple sources.

Step 3: Compare the new quotes to your current policy premium and determine if there is any savings. If you can save some money and make a switch, make sure there is no lapse in coverage.

Step 4: Give notification to your agent or company of your intent to cancel your current policy and submit a down payment and signed policy application to your new company or agent. Once received, keep your new certificate verifying proof of insurance with your vehicle's registration.

One bit of advice is to use similar deductibles and liability limits on every price quote and and to analyze all possible companies. Doing this guarantees the most accurate price comparison and a good representation of prices.

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