Finding economical car insurance for a Toyota RAV4 in California depends on a complicated formula that considers factors such as whether you are married, your profession, and physical damage deductibles. California drivers will pay around $1,022 each year to insure their RAV4, but that is a valuation based upon a 30-year-old married female driver with both comprehensive and collision coverage and $1,000 deductibles.
But there is a high probability that you may not be 30 years old (or even female), maybe you are single instead of married, or maybe you have a teen driver on your policy that needs to be considered. Just a slight change in rating variables may result in a big change in the coverage rate.
There is no one cookie-cutter policy that works for everyone, so the only way to find affordable rates for your Toyota is to just compare rates yourself. Price quotes are quick and you will receive price comparisons from the cheapest companies in California.
|Model||Comp||Collision||Liability||Medical||UM/UIM||Annual Premium||Monthly Premium|
|RAV4 Sport 2WD||$204||$354||$450||$26||$134||$1,168||$97|
|RAV4 Limited 2WD||$204||$354||$450||$26||$134||$1,168||$97|
|RAV4 Limited 4WD||$204||$354||$450||$26||$134||$1,168||$97|
|RAV4 Limited 4WD||$204||$354||$450||$26||$134||$1,168||$97|
|RAV4 Sport 4WD||$204||$354||$450||$26||$134||$1,168||$97|
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Data assumes married female driver age 30, no speeding tickets, no at-fault accidents, $1000 deductibles, and California minimum liability limits. Discounts applied include homeowner, multi-vehicle, multi-policy, safe-driver, and claim-free. Rate quotes do not factor in specific San Diego garaging location which can decrease or increase rates significantly.
Deciding which companies offer the lowest-priced insurance rates for a Toyota RAV4 will require more work in order to find the lowest price. Each insurer has their own process to set their prices, so we need to take a look at the most budget-friendly insurance companies in California.
Best Auto Insurance Prices for Your Toyota
|Rank||Company||Cost Per Year|
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USAA generally has some of the best car insurance rates in San Diego at around $1,109 per year. Wawanesa, Century National, CSAA, and Nationwide are also some of the most economical San Diego, CA car insurance companies.
In the above rates, if you are currently insured with Nationwide and switched to Wawanesa, you may see an annual savings of in the neighborhood of $117. Customers with 21st Century could save as much as $192 a year, and Grange policyholders might reduce prices by as much as $287 a year.
To discover how much you can save, click here to get a free quote or quote prices from the following companies.
Remember that these policy prices are averages across all insureds and vehicles and do not take into consideration a specific location for a Toyota RAV4. So the company that can offer you the best rate may not even be in the top 24 companies in the list above. That helps illustrate why you need to compare as many prices as possible using your own driver information and specific vehicle type.
Full coverage or liability only
Saving money when shopping for insurance should be important to most drivers, and one great way to find cheap insurance for a Toyota RAV4 is to only buy liability coverage. The chart below compares premium costs with and without physical damage coverage, medical payments, and uninsured/under-insured motorist coverage. The rates are based on no accidents, no driving violations, $100 deductibles, drivers are single, and no other discounts are factored in.
If averaged for all ages, comp and collision coverage costs $2,998 per year more than insuring for liability only. At some point, almost every driver questions if you should buy full coverage at all. There is no definitive guideline for excluding physical damage insurance, but there is a guideline you can consider. If the yearly cost of comp and collision coverage is more than 10% of the replacement cost of your vehicle minus the policy deductible, then it might be time to buy liability only.
The diagram below shows how choosing a deductible can impact insurance costs when researching cheap insurance for a Toyota RAV4. The premiums assume a single male driver, comprehensive and collision coverage, and no policy discounts are applied.
The chart above illustrates that a 30-year-old driver could lower their policy premium by $488 a year by changing from a $100 deductible up to a $500 deductible, or save $736 by using a $1,000 deductible. Even younger insureds, like the 20-year-old example, could shave $1,432 annually by choosing a larger deductible amount.
When choosing a higher deductible, it will be required to have emergency funds available to allow you to cover the extra out-of-pocket expense. That is the one drawback of using higher deductibles.
How to find more affordable insurance for a Toyota RAV4
It’s not impossible to find cheaper rates, and here are a few money-saving solutions that can help you quote cheaper car insurance.
- Having at-fault accidents will increase rates
- Just one traffic violation will increase your rates
- On older vehicles, drop full coverage
- Increase physical damage deductibles
- Do not file small claims
- Comparison shop at least once a year
That final tip is especially vital, as was stressed in the prior article. Rates in San Diego vary considerably, so don’t be tentative to switch companies if a better deal can be had. Staying with the same company for years is fine, but it’s not recommended if that loyalty results in overpaying thousands of dollars over the life of your policy. Now is a great time to compare rates and find cheaper car insurance for a Toyota RAV4.
If you have coverage questions and would like to have some advice when comparing insurance rates for a Toyota RAV4, the agents shown below are willing to provide answers to your questions and help you determine which auto insurance policy fits you best.
To locate a San Diego insurance agent using an interactive map, click the link after the list or click here to compare prices now.
- David Hiser – State Farm Insurance Agent
910 Grand Ave #205 – San Diego, CA 92109 – (858) 272-2343
- Kostyo Insurance Agency
4456 Vandever Ave #10 – San Diego, CA 92120 – (619) 325-3600
- Bob Beron – State Farm Insurance Agent
3232 Governor Dr c – San Diego, CA 92122 – (858) 453-7250