A recent car insurance study revealed that the vast majority of car insurance customers in Arizona kept their coverage with the same car insurance company for well over three years, and roughly 40% of drivers have never even compared quotes to find affordable rates. The average driver in the United States can cut their rates by nearly $850 a year just by getting comparison quotes, but most undervalue the actual amount they would save if they changed companies.
It takes a little time, but the best way to save on Toyota Rav4 insurance is to start comparing prices regularly from companies in Mesa. You can compare prices by following these guidelines.
Step 1: Try to comprehend the coverage provided by your policy and the things you can change to drop your rates. Many rating criteria that result in higher prices like multiple speeding tickets and bad credit can be improved by making minor changes to your lifestyle. Keep reading for instructions to help keep rates affordable and find overlooked discounts.
Step 2: Request rate estimates from direct carriers, independent agents, and exclusive agents. Direct companies and exclusive agencies can provide rates from a single company like Progressive or Farmers Insurance, while independent agents can provide prices for many different companies.
Step 3: Compare the new rate quotes to your existing coverage and determine if there is any savings. If you find a better price, make sure coverage does not lapse between policies.
Step 4: Provide notification to your current agent or company of your intent to cancel your current coverage and submit the completed application along with a down payment to the newly selected company. As soon as you receive it, place your new certificate verifying proof of insurance along with the vehicle’s registration papers.
A good piece of advice is that you use the same coverage limits and deductibles on every price quote and to quote with every company you can. This guarantees the most accurate price comparison and maximum price selection.
Finding the lowest-priced auto insurance in Mesa is easy if you know what you’re doing. Just about each driver who is overpaying for auto insurance will more than likely find a lower price. But Arizona car owners should learn how big insurance companies calculate your auto insurance rates because it can help you find the best coverage.
Just remember that comparing more quotes helps increase your odds of locating a lower rate. Not every company allows you to get rate quotes online, so it’s necessary to compare price quotes from the smaller companies as well.
The companies in the list below are ready to provide price comparisons in Arizona. To locate the cheapest car insurance in AZ, we suggest you visit as many as you can in order to find the lowest rates.
Data for Toyota Rav4 insurance
The rate information displayed below showcases detailed analysis of insurance rates for Toyota Rav4 models. Understanding how insurance quotes are established helps drivers make smart choices when choosing a car insurance company.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| RAV4 2WD | $294 | $466 | $392 | $24 | $118 | $1,294 | $108 |
| RAV4 2WD | $294 | $466 | $392 | $24 | $118 | $1,294 | $108 |
| RAV4 2WD | $294 | $466 | $392 | $24 | $118 | $1,294 | $108 |
| RAV4 4WD | $294 | $466 | $392 | $24 | $118 | $1,294 | $108 |
| RAV4 4WD | $294 | $466 | $392 | $24 | $118 | $1,294 | $108 |
| RAV4 Sport 2WD | $294 | $466 | $392 | $24 | $118 | $1,294 | $108 |
| RAV4 Sport 2WD | $294 | $466 | $392 | $24 | $118 | $1,294 | $108 |
| RAV4 Limited 4WD | $294 | $466 | $392 | $24 | $118 | $1,294 | $108 |
| RAV4 Limited 2WD | $294 | $466 | $392 | $24 | $118 | $1,294 | $108 |
| RAV4 Limited 2WD | $294 | $466 | $392 | $24 | $118 | $1,294 | $108 |
| RAV4 Limited 2WD | $294 | $466 | $392 | $24 | $118 | $1,294 | $108 |
| RAV4 Limited 4WD | $294 | $466 | $392 | $24 | $118 | $1,294 | $108 |
| RAV4 Sport 4WD | $294 | $466 | $392 | $24 | $118 | $1,294 | $108 |
| RAV4 Sport 4WD | $294 | $466 | $392 | $24 | $118 | $1,294 | $108 |
| RAV4 Limited 4WD | $294 | $466 | $392 | $24 | $118 | $1,294 | $108 |
| RAV4 Limited 4WD | $294 | $466 | $392 | $24 | $118 | $1,294 | $108 |
| RAV4 Limited 2WD | $294 | $466 | $392 | $24 | $118 | $1,294 | $108 |
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Price data assumes single male driver age 30, no speeding tickets, no at-fault accidents, $100 deductibles, and Arizona minimum liability limits. Discounts applied include multi-vehicle, homeowner, safe-driver, multi-policy, and claim-free. Estimates do not factor in garaging location in Mesa which can decrease or increase premium rates substantially.
Toyota Rav4 annual premiums for males versus females
The information below shows the comparison of Toyota Rav4 insurance premiums for male and female drivers. The data assumes no driving violations, no at-fault accidents, full coverage, $1,000 deductibles, drivers are not married, and no discounts are factored in.
Full coverage rates vs. liability-only
The diagram below shows the comparison of Toyota Rav4 auto insurance costs with and without physical damage coverage, medical payments, and uninsured/under-insured motorist coverage. Data assumes no driving violations, no at-fault accidents, $1,000 deductibles, single marital status, and no discounts are applied.
When to stop buying comprehensive and collision coverage
There is no definitive rule that is best for determining when to drop physical damage insurance, but there is a general guideline. If the yearly cost of comp and collision coverage is more than 10% of the vehicle’s replacement cost less your deductible, then it may be the right time to buy liability only.
For example, let’s say your Toyota Rav4 book value is $8,000 and you have $1,000 deductibles. If your vehicle is totaled, the most your company would pay you is $7,000 after paying the physical damage deductible. If you are currently paying more than $700 annually for comprehensive and collision coverage, then you may want to consider only buying liability coverage.
There are a few cases where removing full coverage is not a good idea. If you still owe a portion of the original loan, you are required to maintain full coverage in order to satisfy the requirements of the loan. Also, if your emergency fund is not enough to purchase a different vehicle in the even your car is totaled, you should not eliminate full coverage.
Why you need quality insurance for your vehicle
Even though it’s not necessarily cheap to insure a Toyota in Mesa, paying for insurance is not optional due to several reasons.
- Most states have mandatory insurance requirements which means it is punishable by state law to not carry specific limits of liability protection if you don’t want to risk a ticket. 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 have a loan on your Rav4, most lenders will have a requirement that you have comprehensive coverage to protect their interest in the vehicle. If you cancel or allow the policy to lapse, the bank may buy a policy for your Toyota for a lot more money and require you to pay for the much more expensive policy.
- Insurance preserves your car and your assets. Insurance will also pay for medical expenses for you, any passengers, and anyone injured in an accident. As part of your policy, liability insurance will also pay for a defense attorney if you cause an accident and are sued. If your vehicle suffers damage from an accident or hail, 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 definitely exceed the cost, especially with large liability claims. In a recent study of 1,000 drivers, the average customer is currently overpaying as much as $855 a year so it’s very important to do a rate comparison at least once a year to ensure rates are competitive.
Get Lower-cost Insurance Prices by Understanding These Factors
When buying car insurance it’s important to understand the different types of things that come into play when calculating the price you pay for car insurance. If you understand what positively or negatively impacts your premiums, this enables you to make decisions that can help you get lower rates.
Vocation can influence rates – Did you know your career choice can influence rates? Jobs such as military generals, architects, and medical professionals usually pay higher average rates because of high stress and lots of time spent at work. Other occupations such as scientists, athletes and the unemployed receive lower rates.
Insure car and home with the same company – Many companies provide discounts to policyholders who consolidate policies with them in the form of a multi-policy discount. Even though this discount sounds good, you still need to compare other Mesa Rav4 insurance rates to guarantee you are still saving the most.
Tickets hurt – Just one citation could increase your next policy renewal forty percent or more. Drivers who don’t get tickets tend to pay less for car insurance as compared to careless drivers. Drivers who have license-revoking violations like reckless driving, hit and run or driving under the influence are required to prove financial responsibility with their state motor vehicle department in order to legally drive a vehicle.
The example below shows how violations and at-fault accidents can influence Toyota Rav4 yearly insurance costs for each age group. The price estimates are based on a single female driver, full coverage, $250 deductibles, and no discounts are applied.
High deductibles reduce rates – Insurance for physical damage to your car, also called comprehensive and collision insurance, is used to repair damage to your Toyota. Some examples of claims that would be covered are colliding with a building, flood damage, or theft. Comp and collision deductibles define how much you are required to pay before a claim is paid by your company. The more expense you have to pay, the less your car insurance will be.
Arizona car insurance companies
Picking the highest-rated auto insurance company can be challenging considering how many different companies sell coverage in Mesa. The company ratings listed below could help you pick which auto insurance companies to look at shopping prices with.
Top 10 Mesa Car Insurance Companies Ranked by Value
- USAA
- American Family
- The Hartford
- Titan Insurance
- The General
- Mercury Insurance
- AAA Insurance
- State Farm
- Nationwide
- Safeco
Quote more and you will save more
You just read a lot of ways to find affordable Toyota Rav4 insurance in Mesa. It’s most important to understand that the more price quotes you have, the higher the chance of saving money. Consumers could even find that the best auto insurance rates are with a company that doesn’t do a lot of advertising.
Consumers leave their current company for many reasons like delays in paying claims, unfair underwriting practices, lack of trust in their agent or even policy non-renewal. No matter why you want to switch, choosing a new insurance company is pretty easy and you might even save some money in the process.
As you restructure your insurance plan, it’s not a good idea to reduce coverage to reduce premium. There have been many cases where consumers will sacrifice uninsured motorist or liability limits and learned later that the small savings ended up costing them much more. The ultimate goal is to purchase plenty of coverage at the best possible price and still be able to protect your assets.
Additional information can be read at the links below
- What is Covered by GAP Insurance? (Allstate)
- What Insurance is Cheapest for a Toyota Tundra in Mesa? (FAQ)
- Who Has Cheap Mesa Auto Insurance Quotes for a Subaru Outback? (FAQ)
- Who Has Affordable Mesa Car Insurance Rates for Veterans? (FAQ)
- What Car Insurance is Cheapest for a Jeep Grand Cherokee in Mesa? (FAQ)
- Who Has the Cheapest Mesa Auto Insurance Quotes for High School Students? (FAQ)
- How Much is Mesa Auto Insurance for a Hyundai Sonata? (FAQ)
- Rental Car Insurance Tips (Insurance Information Institute)
- Protecting Teens from Drunk Driving (Insurance Information Institute)