Toyota Rav4 insurance cost image courtesy of QuoteInspector.com
Buying cheaper car insurance for a Toyota RAV4 in Texas is pretty easy to do, but it relies on lots of different rating factors such as your financial responsibility, the performance level of your vehicle, and your motor vehicle report. Texas drivers pay approximately $1,034 each year for RAV4 insurance, but that is a valuation based upon a 50-year-old single female driver with full comprehensive and collision coverage and $500 deductibles.
Most likely you are not 50 and maybe not even a female, you might be married instead of single, and you don't want the same coverages and limits as the example. Having what appears to be a very minor change in the criteria used to calculate rates could end up in a significant change in the price of coverage.
This shows why the only real way to find affordable rates for your Toyota is to do the rate comparisons yourself.
|Model||Comp||Collision||Liability||Medical||UM/UIM||Annual Premium||Monthly Premium|
|RAV4 Sport 2WD||$206||$392||$430||$26||$128||$1,182||$99|
|RAV4 Limited 2WD||$206||$392||$430||$26||$128||$1,182||$99|
|RAV4 Limited 4WD||$206||$392||$430||$26||$128||$1,182||$99|
|RAV4 Limited 4WD||$206||$392||$430||$26||$128||$1,182||$99|
|RAV4 Sport 4WD||$206||$392||$430||$26||$128||$1,182||$99|
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Data variables include single female driver age 50, no speeding tickets, no at-fault accidents, $500 deductibles, and Texas minimum liability limits. Discounts applied include claim-free, multi-policy, homeowner, multi-vehicle, and safe-driver. Table data does not factor in vehicle location which can change price quotes greatly.
Best auto insurance company in Texas
Finding the best car insurance provider is difficult considering how many companies there are to choose from in Arlington. The rank data below may help you decide which coverage providers you want to consider comparing rate quotes with. The rankings below include large, nationwide insurance companies, so smaller companies that only insure vehicles in Texas will not be included in 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
Types of discounts on Arlington insurance rates
Insurers that provide policies for a Toyota RAV4 may also provide rate discounts that could potentially reduce rates by 40% or more if you meet eligibility requirements. The best auto insurance companies and a partial list of their discounts are detailed below.
- Progressive may offer discounts for multi-vehicle, continuous coverage, good student, homeowner, online signing, multi-policy, and online quote discount.
- GEICO offers discounts for air bags, military active duty, membership and employees, anti-lock brakes, federal employee, and anti-theft.
- State Farm offers discounts including passive restraint, Drive Safe & Save, accident-free, Steer Clear safe driver discount, safe vehicle, and good student.
- Esurance has discounts for multi-car, anti-lock brakes, paid-in-full, claim free, renters, safety device, and homeowner.
- The Hartford includes discounts for defensive driver, good student, bundle, vehicle fuel type, and air bag.
The illustration below compares insurance rates with and without discounts applied to the rates. The price estimates are based on a male driver, a clean driving record, no claims, Texas state minimum liability limits, comprehensive and collision coverage, and $250 deductibles.
The first bar for each age group shows the average rate with no discounts. The second bar shows the rates with vehicle safety, anti-theft, claim-free, defensive driving course, multiple policy, and multiple vehicle discounts applied. When these discounts are applied, theaverage yearly reduction on auto insurance for a Toyota RAV4 is 28% or $657.
Tickets and at-fault accidents raise rates
The easiest method to earn the best auto insurance prices for a RAV4 is to be a careful driver and avoid traffic citations and accidents. The illustration below shows how speeding tickets and fender-benders raise annual premium costs for different age groups of insureds. The data is based on a single female driver, full coverage, $100 deductibles, and no additional discounts are factored in.
In the previous chart, the average cost of auto insurance in Arlington per year with no accidents or violations is $2,453. Get written up for two speeding tickets and the average cost surges to $3,302, an increase of $850 each year. Then add in two accidents along with the two speeding tickets and the yearly cost of auto insurance for a Toyota RAV4 increases to an average of $6,314. That's an increase of $3,861, or $322 per month, just for not maintaining a clean driving record!
Low rates can quickly become overpriced
Arlington auto insurance rates are impacted by many factors which can significantly increase or decrease the price you have to pay for coverage. Improving your credit rating, adding a teenager to your policy, or getting a ticket for careless driving may prompt premium changes resulting in some rates now being cheaper than others. Not only may things change on your end, but car insurance companies modify pricing every year in order to offset underwriting gains or losses. An extended period of higher than normal claims can result in increased rates, while lower claim expenses can produce more affordable RAV4 insurance rates.
The chart below shows the companies that have the cheapest car insurance in Arlington, TX for a 30-year-old male driver with a good driving record, no prior claims, and great credit. If we estimate rates based on his current rating profile, Travelers might offer the lowest car insurance rates in Arlington at $1,115 annually. This is $789 less than the average premium paid by Texas drivers of $1,904. USAA, Texas Farm Bureau, Germania Mutual, and Esurance round out the rest of the most affordable Arlington, TX auto insurance companies.
Now we will pretend the driver from the above example a claim or two, less-than-perfect credit, and a speeding citation. Since every car insurance company has a unique formula for establishing rates, comparing insurance quotes may now result in a substantially altered list of affordable companies as shown below.
Mercury now has the cheapest rate in Arlington with State Farm, Safe Auto, Nationwide, and USAA now being in the top five. This example illustrates why it is critical to compare many different companies when trying to find the most economical car insurance quotes for a Toyota RAV4. Car insurance prices are calculated by many factors and change substantially, so the most economical option the last time you shopped your coverage around may now be priced much higher than other options.
How to find the cheapest auto insurance for a Toyota RAV4
Lowering your rates is not difficult, and here are some of the better thrifty suggestions that can help Arlington drivers locate lower-cost coverage.
- If possible, do not file small claims
- Avoid preventable accidents
- Drive vehicles with five-star safety ratings
- Just one traffic violation will increase your rates
- Bundle home or renters insurance to earn a discount on car insurance
- Shop around for cheaper prices often
The last idea is very critical, as we emphasized in the prior article. Rates in Arlington go up and down frequently, so drivers shouldn't be reluctant to switch to a new company if a better rate can be found.
Staying with the same car insurance company is fine, but it isn't a good idea if that inflexibility results in costing you major coinage every year. Now is a great time to shop around and find cheaper car insurance for a Toyota RAV4.
The Arlington, TX, insurance agents below are a good start to provide answers to your questions and help you determine which policy fits your needs best, since some drivers wish to get some professional advice when buying car insurance for a Toyota RAV4. It can be difficult to find the best policy yourself, so getting professional guidance from a licensed agent can provide satisfaction knowing your policy gives you decent coverage if you have a claim.
To find an Arlington insurance agent close to you, click the link after the list or click here to compare prices now.
- Nationwide Insurance: Abdiel Benjamin Arellano Agency
420 E Lamar Blvd Ste 204 - Arlington, TX 76011 - (817) 345-6000
- Mike Zapata - State Farm Insurance Agent
1115 E Pioneer Pkwy #140 - Arlington, TX 76010 - (817) 277-2021
- Mike Brewer - State Farm Insurance Agent
4801 Little Rd #119 - Arlington, TX 76017 - (817) 375-1000
- Shane Ferrell Insurance Agency
3926 W Pioneer Pkwy - Arlington, TX 76013 - (817) 635-4663