Affordable Insurance for a Toyota Rav4 in Arlington

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Discount Toyota Rav4 insuranceIf saving money is your primary concern, then the best way to get discount Toyota Rav4 insurance in Arlington is to start doing an annual price comparison from different companies in Texas.

First, try to comprehend policy coverages and the steps you can take to keep rates in check. Many things that increase rates such as distracted driving and a poor credit score can be amended by paying attention to minor details. This article gives additional ideas to find cheap rates and get discounts that may be available to you.

Second, compare prices from exclusive agents, independent agents, and direct providers. Exclusive agents and direct companies can only give prices from one company like GEICO or State Farm, while independent agencies can provide prices from multiple sources.

Third, compare the price quotes to your current policy premium and see if there is a cheaper rate in Arlington. If you can save money and switch companies, ensure coverage does not lapse between policies.

Fourth, give proper notification to your current agent or company to cancel your current policy and submit a completed application and payment for your new coverage. Be sure to keep your new certificate verifying coverage with your vehicle's registration.

An important part of this process is to make sure you're comparing identical deductibles and limits on every price quote and and to get quotes from every insurance company. Doing this provides a level playing field and the most accurate and complete price analysis.

A recent survey discovered that the vast majority of drivers have been with the same company for a minimum of four years, and approximately 38% of consumers have never shopped around. Arlington drivers could save themselves $1,800 a year just by shopping around, but they don't believe the rate savings if they moved their coverage to a different company.

This article's goal is to familiarize you with how auto insurance companies operate and how to save the most money. If you currently have a car insurance policy, you will be able to lower your rates using the tips covered below. But Texas consumers can benefit by having an understanding of how the larger insurance companies determine prices and apply this information to your search.

To find cheap rates, there are a couple of ways of comparing rates from lots of Texas car insurance companies. The easiest way to comparison shop is to use the internet to compare rates.

It's so fast and easy to compare price quotes online that it makes it a waste of time to make phone calls or go to and from local Arlington insurance agencies. Comparing Toyota Rav4 insurance rates online has reduced the need for local agents unless you prefer the professional abilities of an agent trained in personal lines coverage. Some companies do allow you to comparison shop online but still have the advice of a local agent.

When comparing car insurance rates, know that having more price comparisons will enable you to find the best offered rates.

The companies shown below offer free quotes in Texas. To buy the best cheap auto insurance in Arlington, we recommend you visit several of them to get a more complete price comparison.

Detailed insurance information

The premium table below highlights detailed analysis of policy rates for Toyota Rav4 models. Understanding more about how insurance policy premiums are figured can help customers make smart buying decisions.

Toyota Rav4 Insurance Rates in Arlington, TX
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
RAV4 2WD $234 $460 $462 $28 $138 $1,322 $110
RAV4 2WD $234 $460 $462 $28 $138 $1,322 $110
RAV4 2WD $234 $460 $462 $28 $138 $1,322 $110
RAV4 4WD $234 $460 $462 $28 $138 $1,322 $110
RAV4 4WD $234 $460 $462 $28 $138 $1,322 $110
RAV4 Sport 2WD $234 $460 $462 $28 $138 $1,322 $110
RAV4 Sport 2WD $234 $460 $462 $28 $138 $1,322 $110
RAV4 Limited 4WD $234 $460 $462 $28 $138 $1,322 $110
RAV4 Limited 2WD $234 $460 $462 $28 $138 $1,322 $110
RAV4 Limited 2WD $234 $460 $462 $28 $138 $1,322 $110
RAV4 Limited 2WD $234 $460 $462 $28 $138 $1,322 $110
RAV4 Limited 4WD $234 $460 $462 $28 $138 $1,322 $110
RAV4 Sport 4WD $234 $460 $462 $28 $138 $1,322 $110
RAV4 Sport 4WD $234 $460 $462 $28 $138 $1,322 $110
RAV4 Limited 4WD $234 $460 $462 $28 $138 $1,322 $110
RAV4 Limited 4WD $234 $460 $462 $28 $138 $1,322 $110
RAV4 Limited 2WD $234 $460 $462 $28 $138 $1,322 $110
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Table data assumes single male driver age 40, no speeding tickets, no at-fault accidents, $500 deductibles, and Texas minimum liability limits. Discounts applied include claim-free, safe-driver, homeowner, multi-policy, and multi-vehicle. Prices do not factor in specific location which can alter prices significantly.

The information below demonstrates how deductibles and can change Toyota Rav4 insurance prices for different age categories. The premiums assume a married female driver, full coverage, and no additional discounts are factored in.

Bad driving habits will cost you more

The diagram below illustrates how speeding tickets and fender-benders can increase Toyota Rav4 car insurance rates for each age group. The premium estimates are based on a single female driver, comprehensive and collision coverage, $250 deductibles, and no discounts are applied.

Auto insurance is not optional but you don't have to overpay

Despite the potentially high cost of Toyota Rav4 insurance, auto insurance is required by state law in Texas and it also provides benefits you may not be aware of.

  • Most states have mandatory liability insurance requirements which means the state requires specific limits of liability insurance coverage in order to get the vehicle licensed. In Texas these limits are 30/60/25 which means you must have $30,000 of bodily injury coverage per person, $60,000 of bodily injury coverage per accident, and $25,000 of property damage coverage.
  • If you have a loan on your vehicle, almost every bank will require you to have comprehensive coverage to guarantee loan repayment. If you cancel or allow the policy to lapse, the bank may insure your Toyota at a more expensive rate and force you to reimburse them much more than you were paying before.
  • Auto insurance protects not only your Toyota but also your financial assets. It will also pay for hospital and medical expenses for both you and anyone you injure as the result of an accident. Liability insurance will also pay to defend you if someone files suit against you as the result of an accident. If damage is caused by hail or an accident, comprehensive (other-than-collision) and collision coverage will pay to restore your vehicle to like-new condition.

The benefits of insuring your car definitely exceed the price paid, specifically if you ever have a liability claim. According to a 2015 survey, the average American driver is wasting up to $830 a year so it's important to compare rates each time the policy renews to make sure the price is not too high.

How Insurance Providers Determine Toyota Rav4 Insurance Costs

Many different elements are taken into consideration when premium rates are determined. Most are fairly basic such as traffic violations, but other criteria are not as apparent like where you live or how financially stable you are.

Listed below are some of the major factors used by companies to determine premiums.

  • A good credit rating can save money - Credit score can be a huge factor in determining premium rates. Drivers with very high credit ratings tend to file fewer claims than drivers with poor credit scores. So if your credit rating is low, you could be paying less to insure your Toyota Rav4 by improving your rating.
  • Insurance prices and driver gender - Over the last 30 years, statistics show that females tend to be a little less risky than males. This data doesn't prove that men are WORSE drivers than women. Males and females are in accidents at about the same rate, but men tend to have higher claims. They also have more aggressive citations like DWI (DUI) or reckless driving. Males from age 16 to 21 are the most expensive to insure and therefore are the most expensive to insure.

    The diagram below compares Toyota Rav4 car insurance costs for male and female drivers. The premiums assume no violations or accidents, comprehensive and collision coverage, $100 deductibles, single status, and no additional discounts are factored in.

  • Do you really need the extra policy coverages? - There are a ton of additional coverages that you can buy if you aren't diligent. Insurance for things like rental car reimbursement, better glass coverage, and Farm Bureau memberships are probably not needed. These may sound like a good investment initially, but your money might be better spent on other coverage so get rid of them and save.
  • Getting married can save you money - Getting married may earn you lower rates when buying car insurance. Marriage usually means you are more responsible and insurance companies reward insureds because being married results in fewer claims.
  • Know your vehicle's NHTSA crash test rating - Safer cars tend to have better insurance rates. Safe vehicles reduce injuries and fewer serious injuries means less claims paid and more competitive rates for policyholders.

Texas auto insurance company ratings

Ending up with the highest-rated auto insurance provider can be difficult considering how many companies provide coverage in Arlington. The company rank data shown next can help you select which companies you want to consider when comparing rates.

Top Auto Insurance Companies in Texas
Company Value Customer Service Claims Customer Satisfaction A.M Best Rating Overall Score
Travelers 93 98 99 88% A++ 95.1
USAA 83 99 100 91% A++ 94.1
Mercury Insurance 97 96 88 89% A+ 93.4
AAA Insurance 91 95 92 90% A 93.3
Nationwide 85 95 97 89% A+ 92.4
Allstate 77 100 97 88% A+ 90.7
State Farm 80 94 96 88% A++ 90.6
The Hartford 88 93 91 87% A+ 90.4
Safeco Insurance 91 95 85 88% A 90.2
Progressive 88 94 83 88% A+ 90.1
American Family 91 86 95 83% A 89.7
Esurance 86 90 94 90% A+ 89.5
The General 86 93 89 84% A- 88.2
GEICO 79 89 95 87% A++ 87.8
Titan Insurance 86 82 92 86% A+ 86.5
21st Century 86 82 90 84% A 86.4
Liberty Mutual 79 87 95 78% A 85.3
Farmers Insurance 77 80 80 84% A 80.3
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Data Source: Insure.com Best Car Insurance Companies

Cover all your bases

Cost effective Toyota Rav4 insurance is possible from both online companies and with local Arlington insurance agents, so you need to quote Arlington auto insurance with both to have the best selection. Some insurance companies do not provide online price quotes and most of the time these small, regional companies work with independent insurance agencies.

We covered many tips how you can save on Toyota Rav4 insurance in Arlington. It's most important to understand that the more quotes you get, the better chance you'll have of finding affordable Arlington auto insurance quotes. Consumers may even find the lowest premium rates are with a smaller regional carrier. They may cover specific market segments cheaper than the large multi-state companies such as State Farm and Allstate.

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