Would you prefer to buy cheaper Toyota Rav4 insurance in Sacramento? Finding low-cost insurance for your Toyota Rav4 in California can be an all-consuming task, but you can learn our auto insurance buying tips and make it easy.
There are both good and bad ways to compare auto insurance rates and we’ll show you the proper way to compare rates for your Toyota and find the lowest price either online or from Sacramento insurance agents.
You should take the time to get comparison quotes before your next renewal due to the fact that insurance prices are rarely the same from one policy term to another. Despite the fact that you may have had the best price on Toyota Rav4 insurance in Sacramento six months ago you will most likely find a better rate quote today. Forget anything you know (or think you know) about auto insurance because I’m going to let you in on the secrets to one of the best ways to find the best coverage while lowering your premiums.
Smart Choices Result in Lower Insurance Premiums
Many factors are considered when you quote your car insurance policy. Some factors are common sense such as your driving record, but other criteria are more obscure like your vehicle usage or your vehicle rating. An important part of buying insurance is that you know the different types of things that help calculate the price you pay for auto insurance. When you understand what determines base rates, this helps enable you to make changes that may result in lower auto insurance prices.
Lower rates by increasing comp and collision deductibles – Physical damage coverage, also called ‘full coverage’, is used to repair damage to your Toyota. Some examples of claims that would be covered would be a broken windshield, collision with an animal, and damage from a fallen tree branch. The deductibles you choose state the amount of money you are willing to pay out-of-pocket before a claim is paid by your company. The more money you have to pay, the less money you will pay for auto insurance.
Does insurance cost more for men? – Statistics show that men are more aggressive behind the wheel. Now that doesn’t mean men are worse drivers. Women and men are in accidents in similar numbers, but the men have accidents that have higher claims. Not only are claims higher, but men have more aggressive citations like DWI (DUI) or reckless driving. Males from age 16 to 21 are several times more likely to be in an accident so it costs more to insure them.
The information below visualizes the comparison of Toyota Rav4 insurance costs for male and female drivers. Data assumes no tickets, no at-fault accidents, comp and collision included, $1,000 deductibles, marital status is single, and no discounts are taken into consideration.
Defend yourself with liability protection – Liability insurance will provide protection if you are responsible for damages caused by your negligence. It will provide legal defense coverage which can cost thousands of dollars. Liability is cheap compared to comp and collision, so drivers should buy more than the minimum limits required by law.
Teenagers vs. older drivers – Older insureds are proven to be safer behind the wheel, file fewer claims, and usually have better credit. Teenage drivers are known to be easily distracted in a vehicle so auto insurance rates are higher.
The following chart is based on a single driver, full coverage with $1000 deductibles, and no discounts or violations.
Pay more if you have a long commute – Choosing to live in a small town is a good thing when trying to find low car insurance rates. Urban drivers have much more traffic and higher rates of accident claims. Fewer people means reduced accidents in addition to lower liability claims.
Prices are impacted by vehicle performance – The make and model of the vehicle you drive makes a big difference in how high your rates are. The cheapest insurance rates will generally be found on low performance passenger cars, but that’s not the only thing that factors into the final price.
The chart below uses these assumptions: single male driver age 50, full coverage with $100 deductibles, and no discounts or violations. It compares Toyota Rav4 car insurance rates compared to other vehicles that have a range of risk factors.
Better prices on cars with good safety ratings – Safe vehicles tend to have lower insurance rates. Vehicles engineered for safety protect occupants better and fewer serious injuries means less money paid by your insurance company and thus lower rates.
The quickest way to compare policy rates for Toyota Rav4 insurance in Sacramento takes advantage of the fact auto insurance companies allow for online access to compare their rates. To get started, all you need to do is provide the companies a bit of rating information including if you have an active license, deductibles desired, marital status, and distance driven. Your insurance information gets sent immediately to insurance carriers in your area and they return rate quotes with very little delay.
To find lower cheap Toyota Rav4 insurance rates now, click here and enter your coverage details.
The companies shown below have been selected to offer free quotes in Sacramento, CA. If multiple companies are listed, it’s highly recommended you compare several of them to get the best price comparison.
Toyota Rav4 insurance statistics and information
The rate table displayed next outlines a range of coverage prices for Toyota Rav4 models. Being able to understand how prices are established can be valuable when making informed decisions when comparing rate quotes.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| RAV4 2WD | $234 | $446 | $596 | $36 | $178 | $1,490 | $124 |
| RAV4 2WD | $234 | $446 | $596 | $36 | $178 | $1,490 | $124 |
| RAV4 2WD | $234 | $446 | $596 | $36 | $178 | $1,490 | $124 |
| RAV4 4WD | $234 | $446 | $596 | $36 | $178 | $1,490 | $124 |
| RAV4 4WD | $234 | $446 | $596 | $36 | $178 | $1,490 | $124 |
| RAV4 Sport 2WD | $234 | $446 | $596 | $36 | $178 | $1,490 | $124 |
| RAV4 Sport 2WD | $234 | $446 | $596 | $36 | $178 | $1,490 | $124 |
| RAV4 Limited 4WD | $234 | $446 | $596 | $36 | $178 | $1,490 | $124 |
| RAV4 Limited 2WD | $234 | $446 | $596 | $36 | $178 | $1,490 | $124 |
| RAV4 Limited 2WD | $234 | $446 | $596 | $36 | $178 | $1,490 | $124 |
| RAV4 Limited 2WD | $234 | $446 | $596 | $36 | $178 | $1,490 | $124 |
| RAV4 Limited 4WD | $234 | $446 | $596 | $36 | $178 | $1,490 | $124 |
| RAV4 Sport 4WD | $234 | $446 | $596 | $36 | $178 | $1,490 | $124 |
| RAV4 Sport 4WD | $234 | $446 | $596 | $36 | $178 | $1,490 | $124 |
| RAV4 Limited 4WD | $234 | $446 | $596 | $36 | $178 | $1,490 | $124 |
| RAV4 Limited 4WD | $234 | $446 | $596 | $36 | $178 | $1,490 | $124 |
| RAV4 Limited 2WD | $234 | $446 | $596 | $36 | $178 | $1,490 | $124 |
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Prices based on single female driver age 30, no speeding tickets, no at-fault accidents, $1000 deductibles, and California minimum liability limits. Discounts applied include multi-policy, claim-free, safe-driver, multi-vehicle, and homeowner. Information does not factor in the specific area where the vehicle is garaged which can influence price quotes significantly.
The example below illustrates how your choice of deductibles and can influence Toyota Rav4 yearly insurance costs for different age groups. The information is based on a married female driver, comp and collision included, and no discounts are factored in.
Rate increases following a ticket or accident
The example below illustrates how traffic citations and accidents can affect Toyota Rav4 premium costs for different categories of driver ages. The prices are based on a single male driver, full coverage, $100 deductibles, and no policy discounts are applied.
Why you need car insurance
Even though it can be expensive, maintaining insurance is mandatory in California but it also protects more than you think.
- The majority of states have minimum liability requirements which means the state requires a minimum amount of liability insurance coverage in order to drive the car legally. In California these limits are 15/30/5 which means you must have $15,000 of bodily injury coverage per person, $30,000 of bodily injury coverage per accident, and $5,000 of property damage coverage.
- If your Rav4 has a loan, it’s most likely the lender will have a requirement that you carry insurance to guarantee loan repayment. If coverage lapses or is canceled, the bank will be required to insure your Toyota for a much higher rate and require you to reimburse them much more than you were paying before.
- Insurance safeguards both your assets and your Toyota Rav4. It will also pay for hospital and medical expenses for both you and anyone you injure as the result of an accident. One policy coverage, liability insurance, also covers all legal expenses up to the policy limit if you are sued as the result of your driving. If your car is damaged in a storm or accident, comprehensive and collision coverage will pay to repair the damage.
The benefits of carrying adequate insurance more than cancel out the cost, particularly when you have a large claim. An average driver in America overpays as much as $865 each year so it’s important to compare rates once a year at a minimum to ensure rates are competitive.
Score discounts on Sacramento auto insurance
Auto insurance companies don’t always advertise their entire list of discounts in a way that’s easy to find, so we researched a few of the more well known in addition to some of the lesser obvious credits that you can use to lower your rates.
- Accident Waiver – This one isn’t a discount, but companies like GEICO, Progressive, and Allstate will turn a blind eye to one accident before they charge you more for coverage if you are claim-free prior to being involved in the accident.
- Discount for Multiple Policies – If you can combine your homeowners and auto policy and insure them with the same company you could earn a discount of 10% to 20% off each policy.
- Payment Discounts – By paying your policy upfront instead of monthly or quarterly installments you could save up to 5%.
- Fewer Miles Equal More Savings – Keeping the miles down on your Toyota could earn lower prices due to less chance of an accident.
- Braking Control Discount – Cars with ABS braking systems or traction control can reduce accidents and therefore earn up to a 10% discount.
- Student in College – Any of your kids who are attending college and do not have a car can receive lower rates.
- Air Bags and Passive Restraints – Vehicles equipped with air bags may earn rate discounts of 20% or more.
- Theft Prevention Discount – Vehicles optioned with advanced anti-theft systems are stolen less frequently and earn discounts up to 10% off your Sacramento auto insurance quote.
- New Car Discount – Insuring a new Rav4 can be considerably cheaper because new model year vehicles are generally safer.
Consumers should know that most discounts do not apply to the entire policy premium. Most only apply to individual premiums such as medical payments or collision. Just because it seems like it’s possible to get free car insurance, nobody gets a free ride.
The information below illustrates the difference between Toyota Rav4 yearly insurance costs with and without policy discounts. The rates are based on a male driver, no violations or accidents, California state minimum liability limits, full coverage, and $500 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with multi-car, multi-policy, safe-driver, claim-free, marriage, and homeowner discounts applied.
A few companies who might offer these discounts are:
Check with every prospective company to apply every possible discount. A few discounts might not apply in your area. To choose companies that offer many of these discounts in Sacramento, click this link.
Local Sacramento insurance agencies
Certain consumers prefer to have an agent’s advice and that is not a bad decision Professional insurance agents can point out coverage gaps and help submit paperwork. A nice benefit of getting free rate quotes online is that you can obtain lower rates and still choose a local agent. Putting coverage with local agents is important especially in Sacramento.
For easy comparison, once you complete this short form, your insurance coverage information is emailed to companies in Sacramento that give free quotes to get your business. You never need to leave your house because prices are sent to you. If you have a need to get a rate quote from one company in particular, don’t hesitate to go to their quote page to submit a rate quote request.
If you want a local Sacramento insurance agent, it can be helpful to understand the types of agencies and how they operate. Car insurance policy providers can either be independent or exclusive depending on the company they work for. Both insure your vehicles properly, but we need to point out the difference between them since it can impact your agent selection.
Independent Car Insurance Agents
These type of agents are not required to write business for one company and that is an advantage because they can write policies with a variety of different insurance companies and potentially find a lower price. If they find a cheaper price, they simply move your policy to a different company and you can keep the same agent. If you need lower rates, we highly recommend that you include price quotes from a few independent agents in order to compare the most rates. They also have the ability to place coverage with smaller mutual companies that can offer cheaper rates than bigger companies.
Listed below is a list of independent agents in Sacramento that can possibly get you cheap rate quotes.
- Nationwide Insurance: Ham Insurance Agency Inc
2210 Del Paso Rd e – Sacramento, CA 95834 – (916) 419-8228 – View Map - Leland Insurance Agency
910 Florin Rd # 108 – Sacramento, CA 95831 – (916) 428-1309 – View Map - Cliff Cottam Insurance Services
1111 Howe Ave #535 – Sacramento, CA 95825 – (800) 807-6871 – View Map
Exclusive Car Insurance Agencies
Agents in the exclusive channel work for only one company such as State Farm, AAA, Farmers Insurance or Allstate. Exclusive agents cannot compare rates from other companies so you need to shop around if the rates are high. They are very knowledgeable on the products they sell which helps them sell insurance even at higher premiums. Consumers sometimes use the same exclusive agent mostly because of the brand legacy rather than having low rates.
Below are Sacramento exclusive insurance agents willing to provide comparison quotes.
- GEICO Insurance Agent
5211 Madison Ave – Sacramento, CA 95841 – (916) 923-5050 – View Map - Timothy Aust – State Farm Insurance Agent
2710 Arden Way – Sacramento, CA 95825 – (916) 482-5328 – View Map - Monique Ambers – State Farm Insurance Agent
4331 Truxel Rd Ste G3 – Sacramento, CA 95834 – (916) 928-4747 – View Map
Picking an insurance agency should include more criteria than just a cheap price quote. You should also get answers to these questions.
- Is there a 24/7 contact number?
- Do they have any clout with companies to ensure a fair claim settlement?
- If they are an independent agency in Sacramento, which companies do they recommend?
- Is coverage determined by price?
- Does the agent have professional designations like CIC, CPCU or AIC?
After talking to the agent and getting good responses to any questions you have as well as the cheapest Toyota Rav4 insurance in Sacramento quotes, you may have just found an insurance agent that can properly insure your vehicles. But remember, once you purchase a policy you can cancel coverage at any point so don’t think you’re contractually obligated to any specific company indefinitely.
Cheaper auto insurance rates are out there
Some insurance providers may not offer rates over the internet and usually these small, regional companies only sell through independent insurance agencies. Budget-friendly auto insurance in Sacramento is available both online as well as from independent agents in Sacramento, and you need to price shop both to have the best selection.
When you buy Sacramento auto insurance online, it’s very important that you do not reduce coverage to reduce premium. There are many occasions where an insured dropped full coverage to discover at claim time that saving that couple of dollars actually costed them tens of thousands. Your goal should be to purchase plenty of coverage for the lowest cost, but do not skimp to save money.
Drivers change insurance companies for any number of reasons including unfair underwriting practices, policy cancellation, delays in responding to claim requests or even lack of trust in their agent. It doesn’t matter why you want to switch finding a new auto insurance company is pretty simple and you could end up saving a buck or two.
Steps to quoting cheaper Toyota Rav4 insurance in Sacramento
If saving the most money is your goal, then the best way to find lower priced Toyota Rav4 insurance in Sacramento is to compare prices annually from providers who can sell car insurance in California. This can be done by following these guidelines.
- Get a basic knowledge of coverages and the things you can control to prevent high rates. Many rating factors that cause high rates like your driving record and a substandard credit score can be amended by improving your driving habits or financial responsibility.
- Obtain price quotes from exclusive agents, independent agents, and direct providers. Exclusive and direct companies can give quotes from one company like GEICO and State Farm, while agents who are independent can provide rate quotes from multiple insurance companies.
- Compare the price quotes to your existing policy and see if you can save money. If you find a better price and make a switch, ensure there is no coverage lapse between policies.
One bit of advice is to try to compare the same physical damage deductibles and liability limits on each price quote and and to compare every company you can. Doing this provides a fair price comparison and a good representation of prices.
Additional detailed information can be found at these sites:
- Electronic Stability Control FAQ (iihs.org)
- Honda warning system reduces insurance claims (Insurance Institute for Highway Safety)
- Credit and Insurance Scores (Insurance Information Institute)
- Information for Teen Drivers (GEICO)