How Much are Insurance Quotes for a Toyota RAV4 in Georgia?

Buying the cheapest insurance for a Toyota RAV4 in Georgia relies on many different factors such as your financial responsibility, if you have prior claims, and any prior driving offenses. Georgia drivers pay on average $1,620 every 12 months to insure their RAV4, but that amount is a ballpark figure calculated using a 30-year-old single female that wants both comprehensive and collision coverage and $100 deductibles.

Chances are that you aren’t exactly 30 years old or even a female, possibly married instead of single, or you have a violation or two on your driving record. Having just a slight change in policy rating criteria or coverages can produce large changes in the rate quoted for a Toyota RAV4.

Auto insurance is not the same for everyone, so the most reliable way to find the cheapest coverage for your Toyota is to just compare rates yourself. In just a few minutes you will be able to compare rates from the cheapest companies that insure Toyota vehicles in Georgia.

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Table data assumes single female driver age 30, no speeding tickets, no at-fault accidents, $100 deductibles, and Georgia minimum liability limits. Discounts applied include multi-policy, homeowner, claim-free, multi-vehicle, and safe-driver. Price estimates do not factor in zip code location which can change coverage prices substantially.

Deciding which company quotes the most affordable auto insurance rates for a Toyota RAV4 will involve a little more effort than just comparing rates from one or two companies. Each insurer has a different process for determining prices, so we need to take a look at the lowest cost auto insurance companies in Georgia.

It’s important to understand that Georgia auto insurance rates are impacted by many factors which can significantly increase or decrease the policy price. Simply having a birthday, buying a home, or getting a DUI can trigger rate changes that can cause some rates to be cheaper in comparison to the competition.

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Auto-Owners quotes some of the best car insurance rates in Georgia at around $864 per year. The Hartford, USAA, Central Mutual, and MetLife would also be considered some of the more affordable Georgia car insurance companies.

In the rate table above, if you buy coverage from USAA and switched to Auto-Owners, you could realize a yearly price reduction of approxmiately $144. Drivers with Central Mutual could save as much as $329 a year, and MetLife policyholders might reduce rates by $374 a year.

To see if your current coverage is too expensive, click here to begin a quote or quote rates from the companies below.

Be aware that those estimates are averaged across all types of drivers and the different vehicles they drive and are not factoring in a specific rating modification for a Toyota RAV4. So the company that is most affordable for your situation may not even be included in the chart above. That point stresses why you need to get quotes using your own driver and vehicle profiles.

Responsible drivers pay cheaper auto insurance rates

The common sense way to score good auto insurance rates in Georgia for a RAV4 is to drive attentively and have a clean driving record. The illustration below illustrates how violations and at-fault claims can affect annual premium costs for different ages of insureds. The data is based on a married female driver, comp and collision included, $1,000 deductibles, and no discounts are taken into consideration.

google.charts.setOnLoadCallback(drawVioqcibChart);function drawVioqcibChart() {var data = google.visualization.arrayToDataTable([[‘Age of Insured’, ‘No Violations or Accidents’, ‘Two Speeding Tickets and No Accidents’, ‘Two Speeding Tickets and One Accident’],[‘Age 20’, 2143,2761,3393],[‘Age 30’, 1473,2095,2723],[‘Age 40’, 1471,2089,2723],[‘Age 50’, 1297,1915,2549],[‘Age 60’, 1231,1849,2481],[‘Age 70’, 1341,1957,2587]]);var options = {title: ‘Impact of Tickets and Claims on Georgia Toyota RAV4 Insurance’,titleTextStyle: {color: ‘#333’, fontSize: 17, bold: true},width: ‘100%’,height: 600,’chartArea’: {left:100,top:50,’width’: ‘100%’, ‘height’: ‘70%’},legend: {position: ‘bottom’,textStyle: {fontSize: 12}},colors:[‘#b2da64′,’#eed355′,’#e39e71’],hAxis: {title: ‘Annual Insurance Cost for a Toyota RAV4 in Georgia’,minValue: 0,format: ‘$###,###’},vAxis: {title: ‘Age of Insured’}};var formatter = new google.visualization.NumberFormat({fractionDigits: 0,prefix: ‘$’});formatter.format(data,1);formatter.format(data,2);formatter.format(data,3);var chart = new google.visualization.BarChart(document.getElementById(‘qcibvio’));chart.draw(data, options);}

In the prior example, the average cost of a car insurance policy in Georgia per year with a clean driving record and no accidents is $1,493. Add in two speeding tickets and the average cost rises to $2,111, an increase of $618 each year. Then throw in one accident along with the two speeding tickets and the yearly cost of auto insurance for a Toyota RAV4 increases to an average of $2,743. That’s an increase of $1,250, or $104 per month, just for not driving responsibly!

Full coverage rates vs. liability-only

Finding cheap insurance for a Toyota RAV4 in Georgia should be important to most drivers, and one of the quickest ways to reduce the cost of insurance is to not buy comprehensive and collision coverage. The diagram below shows the comparison of auto insurance costs with and without physical damage coverage. The information is based on no claims, a clean driving record, $500 deductibles, single marital status, and no discounts are applied.

google.charts.setOnLoadCallback(drawFclqcibChart);function drawFclqcibChart() {var data = google.visualization.arrayToDataTable([[‘Age of Insured’, ‘Full Coverage with $500 Deductibles’, ‘Liability Only’],[‘Age 20’, 3737,1393],[‘Age 30’, 1959,763],[‘Age 40’, 1919,707],[‘Age 50’, 1751,663],[‘Age 60’, 1699,651],[‘Age 70’, 2087,871]]);var options = {title: ‘Price Comparison of Full Coverage Versus Liability Only’,titleTextStyle: {color: ‘#333’,fontSize: 17,bold: true},width: ‘100%’,height: 500,’chartArea’: {left:100,top:50,’width’: ‘100%’, ‘height’: ‘70%’},legend: {position: ‘bottom’},colors: [‘#6791b9′,’#98bee2’],hAxis: {title: ‘Annual Insurance Cost for a Toyota RAV4 in Georgia’,minValue: 0,format: ‘$###,###’},vAxis: {title: ‘Age of Insured’}};var formatter = new google.visualization.NumberFormat({fractionDigits: 0,prefix: ‘$’});formatter.format(data,1);formatter.format(data,2);var chart = new google.visualization.BarChart(document.getElementById(‘qcibfcl’));chart.draw(data, options);}

If all age groups are averaged, physical damage coverage on your policy costs an additional $2,192 per year over liability only. Many drivers may wonder when is the right time to remove full coverage. There is no clear-cut formula for excluding full coverage, but there is a general guideline. If the annual cost of coverage is 10% or more of any settlement you would receive from your insurance company, then you may need to consider dropping full coverage.

There are some situations where eliminating full coverage is not a good plan. If you still have a lienholder on your title, you have to keep full coverage in order to prevent the bank from purchasing higher-priced coverage. Also, if your finances do not allow you to purchase a different vehicle in case of an accident, you should not eliminate full coverage.

Cheap Toyota RAV4 insurance quotes

Drivers have a lot of different ways to compare auto insurance quotes in Georgia, but the most preferred methods are from an independent or non-exclusive agent, an exlusive agent such as Auto-Owners or State Farm, or from a direct company like Progressive. You can use whichever you prefer, but it’s important to point out the distinctions in how they price policies.

Independent agencies work with multiple companies and can get rate quotes from every one. These types of agents can quote with many companies and provide you with more rates, which may give you the best chance of finding a lower price. If you want to switch companies, your policy can be moved which prevents you from having to switch agents.

A captive or exclusive agent is able to place business with one company, two examples being Farmers Insurance or State Farm agents. Exclusive agencies are unable to provide rates from more than one company, which necessitates shopping around.

Buying direct means you do not use a local insurance agent and buy direct from companies such as Esurance or Progressive. Buying direct may be the best choice drivers who have an average risk profile and have some degree of understanding of what specific coverages they need.

So which one of the three ways works best to find cheap insurance for a Toyota RAV4 in Georgia? It would be easy to say buying from a direct car insurance company saves money because there are no middleman commissions, but that is generally not the case. An argument could also be made that going through an independent agent guarantees the cheapest rates because they can shop around, but again, that’s not accurate. In many circumstances, the exclusive agents have price quotes well below independent agents AND direct companies.

Since auto insurance prices vary so much, the one way to not overpay for auto insurance is to do a thorough rate comparison. Be sure to get prices from all three types to give yourself enough choices. For a list of companies with online discounts, click here to view.

How to find the cheapest auto insurance for a Toyota RAV4

The list below shows some of the recommended thrifty suggestions that can help Georgia drivers locate cheap coverage.

• Remain accident-free and save
• Home or renters coverage can save on auto insurance
• Do not pay for comprehensive and collision coverage on older vehicles
• Good credit scores may lower your rates
• Vehicles with good safety ratings have lower liability rates
• Look for cheaper rates once a year by shopping around

The final tip is notably vital, as was discussed in the prior article. Prices in Georgia adjust frequently, so drivers shouldn’t be reluctant to buy a policy from a new company if a more affordable price is available. Loyalty to a specific company is fine, but it’s not a good idea if that faithfulness ends up costing you hundreds of dollars a year. Take a few minutes and shop around and find cheaper auto insurance for a Toyota RAV4.