The best way we recommend to save on Toyota Rav4 insurance is to compare prices once a year from providers who can sell car insurance in Chandler.
First, read about the coverage provided by your policy and the changes you can make to lower rates. Many policy risk factors that are responsible for high rates such as traffic citations, accidents, and an unacceptable credit rating can be improved by making small lifestyle or driving habit changes.
Second, obtain price quotes from exclusive agents, independent agents, and direct providers. Direct companies and exclusive agencies can provide rates from a single company like Progressive or Farmers Insurance, while independent agencies can provide prices for a wide range of insurance providers.
Third, compare the new rate quotes to the premium of your current policy to see if a cheaper rate is available in Chandler. If you find better rates and make a switch, make sure the effective date of the new policy is the same as the expiration date of the old one.
Fourth, provide notification to your current agent or company of your decision to cancel the current policy and submit a down payment along with a completed application to the new company. Be sure to safely store the certificate verifying coverage along with your vehicle registration.
The most important part of shopping around is that you use similar limits and deductibles on every quote request and and to get prices from as many companies as possible. Doing this enables a fair rate comparison and a thorough selection of prices.
A recent insurance study revealed that most drivers kept their coverage with the same insurance company for more than four years, and practically 40% of insurance customers have never taken the time to shop around. Arizona insurance shoppers could save nearly $730 a year by just shopping around, but they don’t want to take the time to find affordable insurance by shopping around.
Low Cost companies for Toyota Rav4 insurance in Arizona
The providers in the list below offer free quotes in Arizona. To get cheap auto insurance in Chandler, it’s a good idea that you click on several of them to get a more complete price comparison.
Toyota Rav4 detailed coverage information
The coverage information displayed below showcases estimates of insurance premium costs for Toyota Rav4 models. Having a good understanding how premiums are calculated can be of help when making smart choices when comparing insurance quotes.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| RAV4 2WD | $232 | $390 | $300 | $18 | $90 | $1,030 | $86 |
| RAV4 Sport 2WD | $232 | $390 | $300 | $18 | $90 | $1,030 | $86 |
| RAV4 4WD | $232 | $390 | $300 | $18 | $90 | $1,030 | $86 |
| RAV4 Limited 2WD | $232 | $390 | $300 | $18 | $90 | $1,030 | $86 |
| RAV4 Limited 4WD | $232 | $390 | $300 | $18 | $90 | $1,030 | $86 |
| RAV4 Limited 4WD | $232 | $390 | $300 | $18 | $90 | $1,030 | $86 |
| RAV4 Sport 4WD | $232 | $390 | $300 | $18 | $90 | $1,030 | $86 |
| Get Your Own Custom Quote Go | |||||||
Data variables include married male driver age 30, no speeding tickets, no at-fault accidents, $250 deductibles, and Arizona minimum liability limits. Discounts applied include homeowner, safe-driver, multi-vehicle, multi-policy, and claim-free. Information does not factor in specific garaging location which can affect price quotes noticeably.
Choosing deductibles
The hardest decision when buying coverage is what deductibles to buy. The rates below may aid in understanding how much more rates are when you select higher and lower insurance deductibles. The first rate comparisons uses a $100 deductible for comprehensive and collision coverage and the second price table uses a $1,000 deductible.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| RAV4 2WD | $258 | $466 | $300 | $18 | $90 | $1,157 | $96 |
| RAV4 Sport 2WD | $258 | $466 | $300 | $18 | $90 | $1,157 | $96 |
| RAV4 4WD | $258 | $466 | $300 | $18 | $90 | $1,157 | $96 |
| RAV4 Limited 2WD | $258 | $466 | $300 | $18 | $90 | $1,157 | $96 |
| RAV4 Limited 4WD | $258 | $466 | $300 | $18 | $90 | $1,157 | $96 |
| RAV4 Limited 4WD | $258 | $466 | $300 | $18 | $90 | $1,157 | $96 |
| RAV4 Sport 4WD | $258 | $466 | $300 | $18 | $90 | $1,157 | $96 |
| Get Your Own Custom Quote Go | |||||||
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| RAV4 2WD | $144 | $246 | $300 | $18 | $90 | $798 | $67 |
| RAV4 Sport 2WD | $144 | $246 | $300 | $18 | $90 | $798 | $67 |
| RAV4 4WD | $144 | $246 | $300 | $18 | $90 | $798 | $67 |
| RAV4 Limited 2WD | $144 | $246 | $300 | $18 | $90 | $798 | $67 |
| RAV4 Limited 4WD | $144 | $246 | $300 | $18 | $90 | $798 | $67 |
| RAV4 Limited 4WD | $144 | $246 | $300 | $18 | $90 | $798 | $67 |
| RAV4 Sport 4WD | $144 | $246 | $300 | $18 | $90 | $798 | $67 |
| Get Your Own Custom Quote Go | |||||||
Price data assumes married male driver age 30, no speeding tickets, no at-fault accidents, and Arizona minimum liability limits. Discounts applied include multi-vehicle, homeowner, multi-policy, safe-driver, and claim-free. Information does not factor in specific Chandler garaging location which can lower or raise auto insurance rates greatly.
Based on these figures, using a $100 deductible costs roughly $29 more each month or $348 annually than opting for the higher $1,000 deductible. Because you would pay $900 more out of your own pocket with a $1,000 deductible as compared to a $100 deductible, if you have more than 31 months between claims, you would save money going with the higher deductible. The numbers below show the way you can make this decision for your own policy.
| Average monthly premium for $100 deductibles: | $96 |
| Average monthly premium for $1,000 deductibles (subtract): | – $67 |
| Monthly savings from raising deductible: | $29 |
| Difference between deductibles ($1,000 – $100): | $900 |
| Divide difference by monthly savings: | $900 / $29 |
| Number of months required between physical damage coverage claims in order to save money by choosing the higher deductible | 31 months |
One thing to note is that increasing deductibles to lower your rates means you will have to pay more of your own money when you do file a claim. That will force you to have enough money in the bank in the event you need to pay the deductible to have repairs made.
How accidents and tickets impact rates
The chart below shows how speeding tickets and at-fault accidents impact Toyota Rav4 auto insurance costs for each different age category. The data is based on a single male driver, full coverage, $1,000 deductibles, and no other discounts are factored in.
Informed Consumers Save More
Many factors are part of the equation when premium rates are determined. Most are fairly basic like an MVR report, but other criteria are less obvious like your vehicle usage or your commute time.
Never go without insurance – Not having insurance can get you a ticket and any future policy may cost more because you let your insurance expire. And not only will your rates increase, not being able to provide proof of insurance may earn you fines or a revoked license.
Prices increase with policy add-ons – There are a ton of additional coverages that can waste your money on your Rav4 policy. Add-on coverages like rental car coverage, towing, and Farm Bureau memberships are some examples. You may think they are a good idea when you first buy your policy, but if you’ve never needed them in the past think about removing them and cutting costs.
Which gender costs less? – The statistics show women are more cautious behind the wheel. It does not mean men are WORSE drivers than women. They both are responsible for accidents at about the same rate, but men cause more damage and cost insurance companies more money. Not only are claims higher, but men get higher numbers of serious violations like DWI (DUI) or reckless driving. Young males tend to get in the most accidents and therefore are the most expensive to insure.
The diagram below visualizes the comparison of Toyota Rav4 car insurance rates for male and female drivers. Data assumes no accidents or driving violations, full coverage, $250 deductibles, drivers are not married, and no discounts are applied to the premium.
The type of car makes a difference – The performance of the car or truck you are insuring makes a substantial difference in how high your rates are. The most favorable rates are for the lowest performance passenger cars, but many other things help determine your insurance rates.
The next chart is based on a single male driver age 40, full coverage with $1000 deductibles, and no discounts or violations. The chart compares Toyota Rav4 insurance premiums compared to other models that have a range of performances.
Discounts for affordable auto insurance quotes
Car insurance is not cheap, but you can get discounts that you may not even be aware of. Some trigger automatically when you get a quote, but some need to be inquired about in order for you to get them.
- Telematics Devices – Policyholders that allow driving data collection to analyze driving habits through the use of a telematics system such as State Farm’s In-Drive might get better premium rates if they are good drivers.
- Seat Belts Save – Buckling up and requiring all passengers to buckle up can save a little on medical payment and PIP coverage.
- Low Mileage Discounts – Keeping the miles down on your Toyota could be rewarded with cheaper rates.
- Defensive Driver Discount – Passing a class that teaches driver safety techniques is a good idea and can lower rates and also improve your driving technique.
- Home Ownership Discount – Owning a home in Chandler can save you money since owning and maintaining a home requires a higher level of personal finance.
- Paperless Signup – Certain larger companies will provide an incentive for completing your application over the internet.
Consumers should know that most discount credits are not given to the entire policy premium. Some only apply to the price of certain insurance coverages like liability, collision or medical payments. Even though it appears it’s possible to get free car insurance, it doesn’t quite work that way.
The illustration below visualizes the comparison of Toyota Rav4 yearly insurance costs with and without discounts applied to the policy rates. The premiums assume a female driver, no violations or claims, Arizona state minimum liability limits, full physical damage coverage, and $100 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with homeowner, multi-policy, safe-driver, multi-car, claim-free, and marriage discounts applied.
For a list of auto insurance companies with discount rates in Arizona, follow this link.
You may need help from an insurance agent
Certain consumers just prefer to go talk to an agent and that can be a smart move Professional agents are trained to spot inefficiencies and help submit paperwork. One of the best bonuses of comparing rate quotes online is you can get better rates and still buy from a local agent.
To help locate an agent, after submitting this form (opens in new window), your insurance coverage information is emailed to local insurance agents in Chandler that provide free Chandler car insurance quotes to get your business. You won’t need to leave your computer because prices are sent immediately to you. If you have a need to get a rate quote from a specific auto insurance provider, feel free to search and find their rate quote page and fill out their quote form.
Choosing the best company should include more criteria than just a low price. Any good agent in Chandler should know the answers to these questions.
- Are you getting all the discounts the company offers?
- What will you get paid if your car is a total loss? How is that amount determined?
- If you have an accident, are you able to get your vehicle repaired at the shop of your choice?
- How long has the business existed?
- Do they reduce claim amounts on high mileage vehicles?
Multiple types of car insurance agents in Chandler
If you want to buy auto insurance from a reliable insurance agency, it’s important to understand the different types of agents and how they are distinctly different. Chandler agents can be described as either independent or exclusive. Both sell and service auto insurance coverage, but it’s a good idea to understand the difference in the companies they write for because it can impact buying decisions.
Exclusive Auto Insurance Agents
Exclusive insurance agents can only provide one company’s prices and some examples include Farmers Insurance, Allstate, or State Farm. Exclusive agents are unable to provide other company’s prices so keep that in mind. These agents are usually well trained on their company’s products which helps them sell on service rather than price. Some consumers prefer to use the same agent partially due to the prominence of the brand rather than low price.
Shown below are Chandler exclusive agencies that can give you price quotes.
- American Family Insurance – Michael Pinta Agency Inc.
5505 W Chandler Blvd Ste 19 – Chandler, AZ 85226 – (480) 785-1500 – View Map - Lori Daniels – State Farm Insurance Agent
1969 W Ray Rd #1 – Chandler, AZ 85224 – (480) 892-4100 – View Map - Farmers Insurance – Alan Beyerle
1820 E Ray Rd a213 – Chandler, AZ 85225 – (480) 820-2797 – View Map
Independent Agents
Agents of this type do not work for one specific company and that gives them the ability to insure with a variety of different insurance companies and get you the best rates possible. If you are not satisfied with one company, your policy is moved internally and you don’t have to find a new agent. When comparing auto insurance rates, we recommend you include price quotes from several independent insurance agents to maximize your price options. Many independent agencies also insure through companies that do not advertise much that many times have cheaper rates.
Below are Chandler independent agencies willing to provide rate quotes.
- Sunvalley Insurance (Agency)
4960 S Gilbert Rd #1 – Chandler, AZ 85249 – (480) 626-7218 – View Map - Oasis Insurance
1200 N Arizona Ave #3 – Chandler, AZ 85225 – (480) 782-9202 – View Map - Sean Paul Insurance Agency
333 N Dobson Rd #160 – Chandler, AZ 85224 – (480) 525-8846 – View Map
Once you have received reasonable responses to any questions you may have and locked in a price quote, chances are good that you have found an auto insurance agent that is a good match to adequately provide auto insurance. Just keep in mind you are able to cancel your policy at any time so never assume you’re contractually obligated to a specific company with no way to switch.
Cheaper auto insurance is a realistic goal
As you go through the steps to switch your coverage, do not buy less coverage just to save a little money. There have been many cases where an insured dropped liability limits or collision coverage and learned later that their decision to reduce coverage ended up costing them more. The aim is to get the best coverage possible at the lowest possible cost while still protecting your assets.
People switch companies for a variety of reasons including questionable increases in premium, unfair underwriting practices, denial of a claim or policy non-renewal. Regardless of your reason, finding the right auto insurance provider is pretty easy and you might even save some money in the process.
Budget-conscious Toyota Rav4 insurance can be purchased both online and with local Chandler insurance agents, and you should compare price quotes from both to get a complete price analysis. Some insurance companies do not provide price quotes online and these small, regional companies only sell coverage through local independent agents.
To read more, feel free to browse the following helpful articles:
- Help Your Teen Be a Better Driver (State Farm)
- How Much are Chandler Car Insurance Quotes for a Toyota Highlander? (FAQ)
- Who Has the Cheapest Auto Insurance Quotes for a Jeep Wrangler in Chandler? (FAQ)
- How Much is Auto Insurance for Active Military in Chandler? (FAQ)
- Should I Purchase an Umbrella Liability Policy? (Insurance Information Institute)
- Auto Insurance for Teen Drivers (Insurance Information Institute)