Find Cheaper Toyota Rav4 Insurance in Riverside

It takes a few minutes, but the best way to get low-cost car insurance rates is to compare prices at least once a year from companies who sell insurance in Riverside.

Step 1: Take a little time to learn about car insurance and the things you can change to prevent expensive coverage. Many rating criteria that drive up the price like accidents, traffic violations, and an imperfect credit history can be amended by improving your driving habits or financial responsibility. Later in this article we will cover more ideas to help reduce prices and find additional discounts.

Step 2: Get rate quotes from independent agents, exclusive agents, and direct companies. Exclusive agents and direct companies can provide rates from one company like GEICO or State Farm, while independent agents can provide prices for many different companies.

Step 3: Compare the price quotes to your existing policy to see if switching to a new carrier will save money. If you find a better price and buy the policy, ensure there is no coverage lapse between policies.

Step 4: Provide proper notification to your current company of your decision to cancel your current auto insurance policy. Submit payment and a signed application to the new insurer. Immediately keep your new certificate verifying coverage above your visor, in the console, or in the glove compartment.

One piece of advice is to try to compare identical coverage information on every quote request and and to get prices from as many companies as feasibly possible. Doing this ensures an apples-to-apples comparison and a complete selection of prices.

Insurance for Toyota Rav4It’s astonishing, but almost 70% of drivers kept buying from the same company for over three years, and nearly the majority have never compared rates with other companies. Many consumers in California could save about $469 every year, but they just don’t understand how easy it is to compare other rate quotes.

If you have a current auto insurance policy or are shopping for new coverage, you can follow these tips to find better prices without reducing protection. Locating the best rates in Riverside can really be easy if you know what you’re doing. Shoppers only need an understanding of how to get comparison rates online from multiple companies.

Finding more affordable Toyota Rav4 insurance prices is actually quite simple. Consumers just need to spend a few minutes to compare rate quotes online with multiple companies.

Comparing price quotes online is fast and free, and it makes it obsolete to go to and from local Riverside insurance agencies. Comparing Toyota Rav4 insurance rate quotes online eliminates the need for an insurance agent unless you have a need for the professional assistance that you can only get from talking to an agent. You can, however, get the lowest quotes online but have your policy serviced through an agent.

The companies shown below provide free rate quotes in California. If multiple companies are shown, we recommend you visit several of them in order to get a fair rate comparison.

Three reasons to insure your Toyota Rav4

Despite the high cost of buying insurance for a Toyota Rav4 in Riverside, insurance may not be optional for several reasons.

First, almost all states have mandatory liability insurance requirements which means it is punishable by state law to not carry a specific level of liability coverage if you drive a vehicle. In California these limits are 15/30/5 which means you must have $15,000 of bodily injury coverage per person, $30,000 of bodily injury coverage per accident, and $5,000 of property damage coverage.

Second, if your Toyota Rav4 has a loan, it’s most likely the lender will force you to buy insurance to ensure they get paid if you total the vehicle. If you do not pay your insurance premiums, the bank may buy a policy for your Toyota at a much higher rate and force you to pay the higher premium.

Third, car insurance preserves both your Toyota and your personal assets. It will also pay for medical transport and hospital expenses incurred in an accident. Liability insurance, one of your policy coverages, also pays expenses related to your legal defense if you cause an accident and are sued. If mother nature or an accident damages your car, collision and comprehensive (also known as other-than-collision) coverage will cover the repair costs.

The benefits of insuring your car greatly outweigh the cost, particularly when you have a large claim. An average driver in America is overpaying more than $869 every year so you should quote and compare rates once a year at a minimum to help ensure money is not being wasted.

Toyota Rav4 insurance analysis

The information displayed next showcases different policy rates for Toyota Rav4 models. Understanding more about how car insurance premiums are formulated can be useful when making decisions when shopping around.


Toyota Rav4 Insurance Rates in Riverside, CA
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
RAV4 2WD $272 $534 $534 $32 $160 $1,532 $128
RAV4 Sport 2WD $272 $534 $534 $32 $160 $1,532 $128
RAV4 4WD $272 $534 $534 $32 $160 $1,532 $128
RAV4 Limited 2WD $272 $534 $534 $32 $160 $1,532 $128
RAV4 Limited 4WD $272 $534 $534 $32 $160 $1,532 $128
RAV4 Limited 4WD $272 $534 $534 $32 $160 $1,532 $128
RAV4 Sport 4WD $272 $534 $534 $32 $160 $1,532 $128
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Data assumes single male driver age 40, no speeding tickets, no at-fault accidents, $500 deductibles, and California minimum liability limits. Discounts applied include safe-driver, homeowner, claim-free, multi-vehicle, and multi-policy. Rate information does not factor in Riverside location which can affect price quotes considerably.

Raise deductibles and save

One frequently asked question is at what level do you set your deductibles. The figures shown below may help to conceptualize the cost difference of buying low and high deductibles. The first data table uses a $100 deductible for physical damage and the second rate table uses a $500 deductible.


Toyota Rav4 insurance policy rates with $100 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
RAV4 2WD $380 $686 $442 $26 $132 $1,691 $141
RAV4 Sport 2WD $380 $686 $442 $26 $132 $1,691 $141
RAV4 4WD $380 $686 $442 $26 $132 $1,691 $141
RAV4 Limited 2WD $380 $686 $442 $26 $132 $1,691 $141
RAV4 Limited 4WD $380 $686 $442 $26 $132 $1,691 $141
RAV4 Limited 4WD $380 $686 $442 $26 $132 $1,691 $141
RAV4 Sport 4WD $380 $686 $442 $26 $132 $1,691 $141
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Toyota Rav4 insurance policy rates with $500 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
RAV4 2WD $278 $464 $442 $26 $132 $1,342 $112
RAV4 Sport 2WD $278 $464 $442 $26 $132 $1,342 $112
RAV4 4WD $278 $464 $442 $26 $132 $1,342 $112
RAV4 Limited 2WD $278 $464 $442 $26 $132 $1,342 $112
RAV4 Limited 4WD $278 $464 $442 $26 $132 $1,342 $112
RAV4 Limited 4WD $278 $464 $442 $26 $132 $1,342 $112
RAV4 Sport 4WD $278 $464 $442 $26 $132 $1,342 $112
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Data assumes married male driver age 30, no speeding tickets, no at-fault accidents, and California minimum liability limits. Discounts applied include multi-vehicle, multi-policy, homeowner, claim-free, and safe-driver. Prices do not factor in vehicle location which can affect coverage prices considerably.

Based on this data, using a $100 deductible will cost you about $29 more each month or $348 each year across all Toyota Rav4 models than quoting the higher $500 deductible. Because you would pay $400 more out of your own pocket with a $500 deductible as compared to a $100 deductible, if you tend to go at a minimum 14 months between claim filings, you would save more money if you choose a higher deductible. The table below illustrates how this calculation is made.

Average monthly premium for $100 deductibles: $141
Average monthly premium for $500 deductibles (subtract): – $112
Monthly savings from raising deductible: $29
Difference between deductibles ($500 – $100): $400
Divide difference by monthly savings: $400 / $29
Number of months required between physical damage coverage claims in order to save money by choosing the higher deductible 14 months

One important caveat is that higher deductibles means you will have to pay more of your own money when you have a physical damage claim. You must have enough money put aside in the event you need to pay the higher deductible.

The illustration below demonstrates how deductible levels and can affect Toyota Rav4 insurance prices for different ages of insureds. The data is based on a single male driver, full physical damage coverage, and no additional discounts are factored in.

Full coverage versus liability only rates

The example below illustrates the difference between Toyota Rav4 insurance prices with and without full coverage. The data assumes a clean driving record, no claims, $100 deductibles, single status, and no discounts are applied to the premium.

When to drop comprehensive and collision

There is no written rule that is best for determining when to drop physical damage insurance, but there is a guideline you can consider. If the yearly cost for physical damage coverage is more than about 10% of replacement cost minus your deductible, then it may be the right time to buy liability only.

For example, let’s say your Toyota Rav4 replacement cost is $7,000 and you have $1,000 deductibles. If your vehicle is totaled, the most your company would pay you is $6,000 after paying the physical damage deductible. If you are paying more than $600 annually for comprehensive and collision coverage, then it might be time to consider dropping full coverage.

There are a few situations where buying only liability insurance is not recommended. If you haven’t satisfied your loan, you have to carry full coverage to protect the lienholder’s interest. Also, if you cannot afford to purchase a different vehicle if your current one is totaled, you should keep full coverage in place.

You may qualify for discounts for Toyota Rav4 insurance in Riverside

Companies that sell car insurance do not list all discounts in a way that’s easy to find, so below is a list some of the more common and the more hidden credits that you can use to lower your rates.Cheaper insurance with discounts

Don’t be shocked that most discount credits are not given to the entire policy premium. Most only cut the price of certain insurance coverages like collision or personal injury protection. Just because you may think having all the discounts means you get insurance for free, it’s just not the way it works.

The illustration below illustrates the comparison of Toyota Rav4 insurance premiums with and without discounts. The premium estimates are based on a male driver, no claims or driving citations, California state minimum liability limits, full physical damage coverage, and $250 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with multi-policy, safe-driver, marriage, multi-car, claim-free, and homeowner discounts applied.

If you would like to see a list of insurance companies who offer online Toyota Rav4 insurance quotes in California, follow this link.

How to find a good Riverside auto insurance company

Finding the best insurance company is difficult considering how many companies sell coverage in California. The company information in the lists below can help you analyze which car insurance providers you want to consider purchasing a policy from.

Top Auto Insurance Companies in Riverside
Company Value Customer Service Claims Customer Satisfaction A.M Best Rating Overall Score
USAA 98 100 100 94% A++ 98.6
American Family 98 89 100 86% A 95.4
AAA of Southern California 91 94 97 92% A+ 94.1
State Farm 88 93 96 90% A++ 92.4
The Hartford 94 92 90 89% A+ 91.7
AAA Insurance 88 89 95 91% A 91.2
GEICO 84 93 93 89% A++ 90.3
The General 89 91 89 88% A- 90
Titan Insurance 90 87 91 95% A+ 89.6
Progressive 84 91 93 87% A+ 89.5
Mercury Insurance 88 91 90 85% A+ 89.4
Allstate 85 90 92 88% A+ 89.3
Nationwide 87 88 84 90% A+ 88.7
Liberty Mutual 84 87 93 88% A 88.5
21st Century 85 86 87 88% A 86.7
Esurance 85 80 95 87% A+ 85.9
Safeco 85 85 85 86% A 85.8
Travelers 80 87 87 83% A++ 85.2
Farmers Insurance 78 87 88 79% A 84.3
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Data Source: Insure.com Best Car Insurance Companies