The most effective way to get more affordable Toyota Avalon insurance is to regularly compare price quotes from companies who can sell car insurance in Sacramento.
Step 1: Try to learn about how auto insurance works and the modifications you can make to prevent expensive coverage. Many things that result in higher prices like traffic citations, accidents, and poor credit can be remedied by paying attention to minor details.
Step 2: Quote rates from exclusive agents, independent agents, and direct providers. Direct and exclusive agents can provide rates from a single company like GEICO or Allstate, while independent agencies can quote prices for a wide range of insurance providers. View prices
Step 3: Compare the new quotes to your existing policy to determine if you can save on Avalon insurance. If you find a better price and make a switch, ensure coverage does not lapse between policies.
One bit of advice is to try to compare similar coverage information on each quote request and and to get rates from as many different companies as possible. Doing this enables a fair rate comparison and a better comparison of the market.
A recent auto insurance study revealed that most consumers kept their policy with the same company for more than four years, and just short of a majority have never shopped around. California insurance shoppers can cut their rates by $469 a year just by shopping around, but they don’t know the amount of money they would save if they switched to a cheaper policy.
Choosing the best rates in Sacramento can really be easy if you know what you’re doing. If you have coverage now, you will definitely be able to find the best rates using the techniques covered below. But California car owners can benefit by having an understanding of the way insurance companies set your policy premium and use it to your advantage.
Compare free Sacramento Toyota Avalon insurance rate quotes
To find affordable Toyota Avalon insurance quotes, there are several ways to get quotes from lots of California car insurance companies. The best method to do a complete rate comparison consists of shopping online.
Doing price comparisons online is so simple that it makes it a waste of time to make phone calls or go to and from local Sacramento insurance agencies. The fact that you can get quotes online makes this process obsolete unless you prefer the extra assistance that only a licensed agent can provide. Although you can comparison shop your insurance online but buy from a local insurance agent. Keep in mind that comparing all the rates in your area helps increase your odds of locating a lower rate than you’re paying now. Some companies don’t provide Sacramento Avalon insurance quotes over the internet, so it’s important to also get price quotes on coverage from those companies, too.
The car insurance companies shown below offer free rate quotes in Sacramento, CA. If you want the best car insurance in CA, we suggest you visit as many as you can to get a more complete price comparison.
Determine discounts on Sacramento insurance
Buying insurance is not cheap, but you might already qualify for some discounts that you may not know about. A few discounts will automatically apply at the time of purchase, but occasionally some discounts must be requested specifically prior to getting the savings.
- Bundle and Save – If you combine your auto and homeowners policies and place coverage with the same company you could get a discount of nearly 15% which can help you find inexpensive Toyota Avalon insurance in Sacramento.
- Discount for Passive Restraints – Vehicles equipped with air bags and/or automatic seat belt systems can qualify for discounts of 20% or more.
- Sign Online – Some insurance companies will give you a small discount for buying a policy and signing up on the web.
- Driver’s Ed – Require your teen driver to enroll in driver’s education if offered at their school.
- Home Ownership Discount – Owning your own home or condo can save a few bucks because it is proof that your finances are in order.
- Life Insurance – Some insurance carriers give a break if you buy life insurance.
- Use Seat Belts – Buckling up and requiring all passengers to use a seat belt can save up to 15% off the medical payments premium.
Drivers should understand that most credits do not apply to the whole policy. Some only apply to the price of certain insurance coverages like physical damage coverage or medical payments. Even though the math looks like having all the discounts means you get insurance for free, you’re out of luck. But all discounts will lower the cost of coverage.
The chart below compares Toyota Avalon auto insurance costs with and without discounts applied. Data assumes a female driver, no claims or driving citations, California state minimum liability limits, comprehensive and collision coverage, and $250 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with marriage, multi-policy, multi-car, homeowner, safe-driver, and claim-free discounts applied.
A partial list of companies that may offer most of these discounts include:
Double check with every prospective company the best way to save money. Some credits might not be offered on policies everywhere.
Facts and figures for Toyota Avalon insurance
The price information displayed below outlines a range of prices for Toyota Avalon models. Learning a little about how prices are formulated can help you make decisions on which coverage to buy.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Avalon XL | $270 | $478 | $424 | $26 | $128 | $1,326 | $111 |
| Avalon XLS | $270 | $564 | $424 | $26 | $128 | $1,412 | $118 |
| Avalon Limited | $300 | $564 | $424 | $26 | $128 | $1,442 | $120 |
| Get Your Own Custom Quote Go | |||||||
Data based on single male driver age 50, no speeding tickets, no at-fault accidents, $500 deductibles, and California minimum liability limits. Discounts applied include multi-policy, claim-free, homeowner, multi-vehicle, and safe-driver. Rate quotes do not factor in Sacramento location which can increase or decrease prices noticeably.
The example below demonstrates how choosing different deductibles and can raise or lower Toyota Avalon insurance prices for different ages of insureds. The information is based on a married female driver, full physical damage coverage, and no policy discounts are applied.
Impact of careless driving on insurance rates
The information below illustrates how speeding tickets and at-fault accidents can drive up Toyota Avalon insurance prices for different age groups. The prices are based on a married male driver, comprehensive and collision coverage, $250 deductibles, and no additional discounts are factored in.
Cost comparison with and without full coverage
The illustration below shows the difference between Toyota Avalon insurance costs with full physical damage coverage and with liability coverage only. The rates are based on a clean driving record, no at-fault accidents, $500 deductibles, single marital status, and no discounts are applied to the premium.
Should you pay for full coverage?
There is no exact rule to stop paying for physical damage coverage on your policy, but there is a general convention. If the annual cost of coverage is more than 10% of any settlement you would receive from your insurance company, then you might want to think about dropping full coverage.
For example, let’s assume your Toyota Avalon claim settlement value is $4,000 and you have $1,000 full coverage deductibles. If your vehicle is destroyed, the most your company would pay you is $3,000 after you pay the deductible. If it’s costing in excess of $300 a year for physical damage coverage, then you might consider buying liability only.
There are some cases where dropping physical damage coverage is not a good plan. If you haven’t paid off your loan, you have to carry full coverage as part of the loan conditions. Also, if your savings is not enough to buy a different vehicle in the even your car is totaled, you should keep full coverage.
What is the best auto insurance company in California?
Insuring your vehicle with the right insurance company can be a challenge considering how many companies provide coverage in California. The company information shown next could help you choose which companies to look at shopping your coverage with.
Top 10 Sacramento Car Insurance Companies Ranked by Value
- USAA
- American Family
- The Hartford
- AAA of Southern California
- Titan Insurance
- The General
- AAA Insurance
- State Farm
- Mercury Insurance
- Nationwide