How many times have you put off comparing quotes for cheaper Toyota Rav4 insurance in Virginia Beach? Saving money on Toyota Rav4 insurance in Virginia Beach is difficult for drivers who are new to quoting and comparing rates online. Consumers have so many agents and companies to choose from that it can easily become a real hassle to find more affordable Toyota Rav4 insurance rates.
Surprisingly, a recent survey revealed that about 70% of customers have stayed with the same insurance company for a minimum of four years, and 38% of customers have never shopped around. Many consumers in Virginia Beach could save about $550 each year just by shopping around, but they assume it’s a waste of time to find cheap auto insurance rates.
It’s a good habit to do rate comparisons yearly because auto insurance rates are constantly changing. Just because you had the best rate on Toyota Rav4 insurance in Virginia Beach six months ago you will most likely find a better price today. Ignore everything you know about auto insurance because you’re about to find out the things you must know in order to buy cheaper Toyota Rav4 insurance in Virginia Beach.
If you have coverage now, you should be able to reduce the price you pay using the concepts covered in this article. Comparison shopping for the lowest-priced coverage in Virginia Beach is not that difficult. But Virginia vehicle owners can benefit by having an understanding of the way companies market insurance on the web and use it to find better rates.
Compare Virginia Beach Toyota Rav4 insurance quotes
To find cheaper rates, there are a couple of ways to compare rate quotes from lots of Virginia car insurance companies. The best method to do a complete rate comparison consists of shopping online. When quoting car insurance, remember that comparing more quotes will improve the odds of getting a lower rate than you’re paying now. Some companies don’t provide online Virginia Beach Rav4 insurance quotes, so it’s recommended that you also compare price estimates from those companies as well.
The companies shown below are ready to provide price quotes in Virginia. If you wish to find cheaper auto insurance in VA, we recommend you compare several of them in order to get a fair rate comparison.
Toyota Rav4 insurance coverage information
The data table shown below outlines estimates of insurance premium costs for Toyota Rav4 models. Having a good understanding how insurance prices are figured can assist in making decisions when choosing a new policy provider.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| RAV4 2WD | $120 | $242 | $312 | $18 | $94 | $786 | $66 |
| RAV4 2WD | $120 | $242 | $312 | $18 | $94 | $786 | $66 |
| RAV4 2WD | $120 | $242 | $312 | $18 | $94 | $786 | $66 |
| RAV4 4WD | $120 | $242 | $312 | $18 | $94 | $786 | $66 |
| RAV4 4WD | $120 | $242 | $312 | $18 | $94 | $786 | $66 |
| RAV4 Sport 2WD | $120 | $242 | $312 | $18 | $94 | $786 | $66 |
| RAV4 Sport 2WD | $120 | $242 | $312 | $18 | $94 | $786 | $66 |
| RAV4 Limited 4WD | $120 | $242 | $312 | $18 | $94 | $786 | $66 |
| RAV4 Limited 2WD | $120 | $242 | $312 | $18 | $94 | $786 | $66 |
| RAV4 Limited 2WD | $120 | $242 | $312 | $18 | $94 | $786 | $66 |
| RAV4 Limited 2WD | $120 | $242 | $312 | $18 | $94 | $786 | $66 |
| RAV4 Limited 4WD | $120 | $242 | $312 | $18 | $94 | $786 | $66 |
| RAV4 Sport 4WD | $120 | $242 | $312 | $18 | $94 | $786 | $66 |
| RAV4 Sport 4WD | $120 | $242 | $312 | $18 | $94 | $786 | $66 |
| RAV4 Limited 4WD | $120 | $242 | $312 | $18 | $94 | $786 | $66 |
| RAV4 Limited 4WD | $120 | $242 | $312 | $18 | $94 | $786 | $66 |
| RAV4 Limited 2WD | $120 | $242 | $312 | $18 | $94 | $786 | $66 |
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Prices above based on single male driver age 40, no speeding tickets, no at-fault accidents, $1000 deductibles, and Virginia minimum liability limits. Discounts applied include multi-policy, homeowner, multi-vehicle, safe-driver, and claim-free. Prices do not factor in specific Virginia Beach garaging location which can influence coverage prices substantially.
The information below illustrates how your deductible choice and can raise or lower Toyota Rav4 insurance rates for each different age category. The data is based on a single male driver, full coverage, and no other discounts are factored in.
Careless Virginia Beach drivers pay higher rates
The chart below demonstrates how citations and fender-benders can affect Toyota Rav4 car insurance costs for different age categories. The premiums are based on a single male driver, comp and collision included, $100 deductibles, and no discounts are taken into consideration.
How Your Rav4 Insurance Prices are Determined
Many things are used in the calculation when you get a price on insurance. Some factors are common sense such as your driving record, but other factors are more transparent such as whether you are married or your commute time.
Your age impacts your premiums – Teenage drivers in Virginia are known to be easily distracted when driving therefore insurance rates are much higher. Having to add a teen driver to your insurance policy can be quite pricey. Older, more experienced drivers are proven to be safer behind the wheel, cause fewer claims and accidents, and receive fewer citations.
The data below is based on a single driver, full coverage with $1000 deductibles, and no discounts or violations.
City dwellers may pay more – Living in less populated areas can be a good thing when it comes to insurance. Fewer people translates into fewer accidents and also fewer theft and vandalism claims. Drivers in populated Virginia areas have to deal with much more traffic and much longer commute distances. Higher commute times means more chance of being in an accident.
More annual miles equals more premium – The more you drive your Toyota annually the higher the price you pay to insure it. Most insurance companies charge rates determined by how the vehicle is used. Cars and trucks that are left in the garage receive better premium rates than cars that get driven a lot. An improperly rated Rav4 may be costing you. It’s always a good idea to double check that your declarations sheet is showing how each vehicle is driven.
Only buy coverage you need – There are a lot of optional add-on coverages that you can get tricked into buying if you don’t pay attention. Coverages for vanishing deductibles, better glass coverage, and motor club memberships are examples of these. These coverages may sound good when you first buy your policy, but if you’ve never needed them in the past think about removing them and cutting costs.
Cheaper rates after marriage – Your spouse may earn you lower rates on your insurance bill. Having a significant other generally demonstrates drivers are more mature and it’s proven that drivers who are married file infrequent claims.
Do you really need to file those claims? – If you’re an insured who likes to file claims you can definitely plan on either a policy non-renewal or much higher rates. Insurance companies in Virginia award lower rates to people that do not abuse their auto insurance. Insurance coverage is intended to be relied upon for claims that pose a financial burden.
Auto insurance is an important decision
Even though it’s not necessarily cheap to insure a Toyota in Virginia Beach, auto insurance serves a purpose in several ways.
- Most states have minimum liability requirements which means it is punishable by state law to not carry a specific minimum amount of liability protection in order to be legal. In Virginia these limits are 25/50/20 which means you must have $25,000 of bodily injury coverage per person, $50,000 of bodily injury coverage per accident, and $20,000 of property damage coverage.
- If you bought your Rav4 with a loan, almost every bank will force you to have full coverage to guarantee their interest in the vehicle. If coverage lapses or is canceled, the lender may insure your Toyota for a much higher rate and force you to reimburse them the higher price.
- Insurance safeguards not only your car but also your assets. It also can pay for many types of medical costs that are the result of an accident. One policy coverage, liability insurance, also pays for attorney fees and expenses in the event you are sued. If damage is caused by hail or an accident, comprehensive (other-than-collision) and collision coverage will pay to restore your vehicle to like-new condition.
The benefits of buying auto insurance definitely exceed the price paid, particularly for liability claims. Today the average American driver overpays more than $830 a year so we recommend shopping around each time the policy renews to make sure the price is not too high.