Are you kicking yourself for buying overpriced Toyota Rav4 insurance in San Antonio? Believe me, there are many San Antonio drivers thinking the same thing.
It’s an obvious statement that car insurance companies want to keep your business as long as possible. Consumers who shop around for a cheaper policy are inclined to buy a new policy because there is a high probability of finding a policy with better rates. A recent survey discovered that drivers who faithfully checked for cheaper rates saved over $3,400 over four years compared to those who never compared other company’s rates.
If finding the best rates on auto insurance is your ultimate goal, knowing the best way to shop and compare car insurance can make it easier for you to save money.
Lots of insurance companies contend to insure your vehicles, and it can be difficult to compare rates and get the best coverage at the lowest price on Toyota Rav4 insurance in San Antonio.
It’s important to check insurance prices as often as possible because prices trend upward over time. If you had the lowest quotes on Toyota Rav4 insurance in San Antonio two years ago you may be paying too much now. Ignore everything you know about insurance because you’re about to learn how to use online quotes to find better coverage on Toyota Rav4 insurance in San Antonio at a better price.
The quickest method we recommend to compare rate quotes for Toyota Rav4 insurance in San Antonio is to know car insurance companies allow for online access to give free rates quotes. All consumers are required to do is provide the companies a bit of rating information such as if it has an alarm system, level of coverage desired, if you lease or own, and how much you drive. Your information is then sent to many different companies and you get price estimates with very little delay.
To check Toyota Rav4 insurance prices now, click here and find out if you can get cheaper insurance in San Antonio.
The auto insurance companies shown below provide quotes in San Antonio, TX. If multiple companies are listed, we recommend you get prices from several of them to get the most competitive price.
Cut your car insurance rates with discounts
Insuring your fleet can be pricey, but there could be significant discounts that may help make it more affordable. Certain reductions will be credited when you complete an application, but some must be requested specifically before you get the savings.
- Good Student Discount – Performing well in school can earn a discount of 20% or more. The good student discount can last until age 25.
- Professional Organizations – Being in a qualifying organization could earn you a nice discount on your policy.
- Senior Discount – If you qualify as a senior citizen, you can get better car insurance rates.
- Employee of Federal Government – Simply working for the federal government could cut as much as 10% off with some car insurance companies.
- Low Mileage Discounts – Maintaining low annual mileage could qualify for substantially lower prices.
- Driver’s Education for Students – Reduce the cost of insurance for teen drivers by having them enroll in driver’s education if offered at their school.
- Passenger Safety Discount – Factory air bags can receive discounts as much as 30%.
- Safety Course Discount – Taking a course in defensive driving could cut 5% off your bill depending on where you live.
- Discounts for Cautious Drivers – Drivers who avoid accidents may receive a discount up to 45% than drivers with accident claims.
You can save money using discounts, but most of the big mark downs will not be given to the whole policy. The majority will only reduce the cost of specific coverages such as collision or personal injury protection. Despite the appearance that all those discounts means the company will pay you, that’s just not realistic. But any discount will definitely reduce the amount you pay for coverage.
The illustration below shows the comparison of Toyota Rav4 insurance rates with and without discounts being applied to the rates. The rate quotes are based on a male driver, no accidents or driving violations, Texas state minimum liability limits, comprehensive and collision coverage, and $100 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with safe-driver, multi-car, claim-free, marriage, homeowner, and multi-policy discounts applied.
If you would like to view insurance companies that offer some of these discounts in Texas, follow this link.
Auto insurance data for a Toyota Rav4
The price information shown next showcases a range of insurance policy prices for Toyota Rav4 models. Having a better understanding of how auto insurance prices are formulated can be of help when making informed decisions when comparing rates.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| RAV4 2WD | $184 | $332 | $358 | $22 | $108 | $1,004 | $84 |
| RAV4 2WD | $184 | $332 | $358 | $22 | $108 | $1,004 | $84 |
| RAV4 2WD | $184 | $332 | $358 | $22 | $108 | $1,004 | $84 |
| RAV4 4WD | $184 | $332 | $358 | $22 | $108 | $1,004 | $84 |
| RAV4 4WD | $184 | $332 | $358 | $22 | $108 | $1,004 | $84 |
| RAV4 Sport 2WD | $184 | $332 | $358 | $22 | $108 | $1,004 | $84 |
| RAV4 Sport 2WD | $184 | $332 | $358 | $22 | $108 | $1,004 | $84 |
| RAV4 Limited 4WD | $184 | $332 | $358 | $22 | $108 | $1,004 | $84 |
| RAV4 Limited 2WD | $184 | $332 | $358 | $22 | $108 | $1,004 | $84 |
| RAV4 Limited 2WD | $184 | $332 | $358 | $22 | $108 | $1,004 | $84 |
| RAV4 Limited 2WD | $184 | $332 | $358 | $22 | $108 | $1,004 | $84 |
| RAV4 Limited 4WD | $184 | $332 | $358 | $22 | $108 | $1,004 | $84 |
| RAV4 Sport 4WD | $184 | $332 | $358 | $22 | $108 | $1,004 | $84 |
| RAV4 Sport 4WD | $184 | $332 | $358 | $22 | $108 | $1,004 | $84 |
| RAV4 Limited 4WD | $184 | $332 | $358 | $22 | $108 | $1,004 | $84 |
| RAV4 Limited 4WD | $184 | $332 | $358 | $22 | $108 | $1,004 | $84 |
| RAV4 Limited 2WD | $184 | $332 | $358 | $22 | $108 | $1,004 | $84 |
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Data rating is based on married female driver age 50, no speeding tickets, no at-fault accidents, $500 deductibles, and Texas minimum liability limits. Discounts applied include multi-vehicle, claim-free, multi-policy, homeowner, and safe-driver. Prices do not factor in specific zip code location which can modify coverage prices substantially.
The example below illustrates how choosing a deductible and can raise or lower Toyota Rav4 annual premium costs for different categories of driver ages. The premiums assume a single female driver, full physical damage coverage, and no additional discounts are factored in.
Annual premiums comparing men and women in San Antonio
The example below visualizes the comparison of Toyota Rav4 auto insurance rates for male and female drivers. The prices are based on no tickets, no at-fault accidents, full physical damage coverage, $1,000 deductibles, drivers are single, and no discounts are applied to the premium.
How much more does full coverage cost?
The example below compares Toyota Rav4 insurance costs with full physical damage coverage compared to only buying the minimum liability limits required in Texas. The information is based on no claims or violations, $250 deductibles, drivers are not married, and no additional discounts are factored in.
When to stop paying for full coverage
There is no definitive guideline to drop physical damage coverage on your policy, but there is a guideline you can consider. If the annual cost of comprehensive and collision coverage is 10% or more of the settlement you would receive from your company, then you might want to consider buying only liability coverage.
For example, let’s pretend your Toyota Rav4 replacement cost is $8,000 and you have $1,000 physical damage deductibles. If your vehicle is damaged in an accident, the most you would receive is $7,000 after the deductible is paid. If premium cost is more than $700 annually for comprehensive and collision coverage, the it may be a good time to stop paying for full coverage.
There are a few cases where buying only liability insurance is not recommended. If you haven’t satisfied your loan, you have to carry full coverage to satisfy the loan requirements. Also, if your emergency fund is not enough to purchase a different vehicle in the event your current vehicle is totaled, you should not consider dropping full coverage.
The Toyota Rav4 Insurance Rate Equation
Multiple criteria are part of the calculation when quoting car insurance. Some are pretty understandable such as your driving record, but other criteria are less apparent like your continuous coverage or your commute time. One of the most helpful ways to save on insurance is to to have a grasp of some of the factors that aid in calculating the level of your policy premiums. If you have a feel for what controls the rates you pay, this enables you to make decisions that can earn you lower premium levels.
The following are some of the most rate-impacting factors companies use to determine your prices.
- Do you know you’re credit score? – An insured’s credit rating is a big factor in determining premium rates. If your credit rating is not that good, you could potentially save money when insuring your Toyota Rav4 if you improve your credit rating. Drivers who have high credit scores tend to be more responsible than drivers with lower credit scores.
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Premiums increase with driving tickets – Having a single ticket can increase the cost of insurance by as much as twenty percent. Attentive drivers get better rates than bad drivers. Drivers unfortunate enough to have dangerous violations such as DUI or willful reckless driving might be required by their state to submit a SR-22 or proof of financial responsibility with their state’s licensing department in order to keep their license.
The chart below shows how traffic citations and at-fault accidents drive up Toyota Rav4 auto insurance costs for different age categories. The prices are based on a married female driver, comprehensive and collision coverage, $100 deductibles, and no discounts are factored in.
- Drive fewer miles and save – The higher the mileage driven in a year’s time the higher your rates will be. Almost all companies apply a rate based upon how much you drive. Vehicles that have low annual miles receive better premium rates than vehicles that have high annual mileage. It’s a good idea to make sure your vehicle rating is rated on the correct usage for each vehicle, because it can save money. Having an incorrect usage rating on your Rav4 can result in significantly higher rates.
- Employer and insurance premiums – Did you know your insurance rates can be affected by your occupation? Jobs such as doctors, architects, and accountants generally pay the highest average rates due to high stress and incredibly demanding work hours. On the other hand, occupations such as actors, engineers and the unemployed have the lowest average rates.
- Save by driving safer vehicles – Cars with five star safety ratings can get you lower premiums. Safer cars reduce occupant injuries and fewer serious injuries translates into savings for insurance companies and thus lower rates. If your Toyota Rav4 earned at least an “acceptable” rating on the Insurance Institute for Highway Safety website it may be receiving lower rates.
- Car features can affect rates – Buying a car with a theft deterrent system can save you some money. Anti-theft devices like OnStar found on GM vehicles, advanced tracking like LoJack, and vehicle immobilization systems can help prevent car theft and help bring rates down.
- Too many policy claims drive up premiums – If you tend to file frequent claims, you can definitely plan on higher rates. Car insurance companies in Texas generally give better rates to policyholders who only file infrequent claims. Auto insurance is meant to be used in the event of larger claims.