Best Ways to Save on Riverside Toyota Avalon Insurance

Discount Toyota Avalon insuranceHow many times have you said it’s time to compare low-cost insurance rates in Riverside, CA? Riverside shoppers have many options when shopping for the best price on Toyota Avalon insurance. You can either spend your time calling around to get rate comparisons or utilize the internet to get rate quotes.

There is a right way and a wrong way to find insurance online and we’ll show you the proper way to quote coverages for a Toyota and obtain the lowest possible price.

If you already have coverage or just want a better rate, you will benefit by learning to cut your premiums and possibly find even better coverage. We hope to introduce you to how car insurance works and some tricks to saving. Shoppers just have to know the most time-saving way to compare different rates on the web.

The providers in the list below provide price comparisons in California. If the list has multiple companies, we recommend you get rates from several of them to get the best price comparison.

Detailed insurance information

The premium information shown below covers different insurance costs for Toyota Avalon models. Being more informed about how rate quotes are calculated can aid in making smart choices when buying a car insurance policy.


Toyota Avalon Insurance Rates in Riverside, CA
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Avalon XL $374 $564 $384 $22 $114 $1,458 $122
Avalon XLS $374 $664 $384 $22 $114 $1,558 $130
Avalon Limited $416 $664 $384 $22 $114 $1,600 $133
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Table data represents married female driver age 30, no speeding tickets, no at-fault accidents, $250 deductibles, and California minimum liability limits. Discounts applied include safe-driver, multi-policy, homeowner, multi-vehicle, and claim-free. Table data does not factor in vehicle garaging location which can impact premiums noticeably.

Choosing deductibles

One of the more difficult decisions when buying insurance is how low should you set your deductibles. The following tables illustrate the price difference of buying low and high physical damage deductibles. The first data set uses a $100 deductible for physical damage and the second rate chart uses a $500 deductible.


Toyota Avalon insurance premium estimates with $100 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Avalon XL $430 $686 $376 $22 $112 $1,651 $138
Avalon XLS $430 $810 $376 $22 $112 $1,775 $148
Avalon Limited $478 $810 $376 $22 $112 $1,823 $152
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Toyota Avalon insurance premium estimates with $500 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Avalon XL $314 $464 $376 $22 $112 $1,288 $107
Avalon XLS $314 $546 $376 $22 $112 $1,370 $114
Avalon Limited $348 $546 $376 $22 $112 $1,404 $117
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Price data assumes married male driver age 30, no speeding tickets, no at-fault accidents, and California minimum liability limits. Discounts applied include safe-driver, multi-policy, homeowner, multi-vehicle, and claim-free. Price estimates do not factor in zip code location which can raise or lower premiums greatly.

Based on this data, we can arrive at the conclusion that using a $100 deductible will cost in the ballpark of $33 more each month or $396 a year across all Toyota Avalon models than quoting the higher $500 deductible. Due to the fact that you would have to pay $400 more if you turn in a claim with a $500 deductible as compared to a $100 deductible, if you tend to average at least 12 months between claims, you would save money if you choose the higher deductible.

The diagram below shows how different deductible levels and can impact Toyota Avalon annual premium costs for each different age group. The premiums assume a married male driver, full coverage, and no policy discounts are applied.

Toyota Avalon insurance rates by gender in Riverside

The example below shows the difference between Toyota Avalon annual premium costs for male and female drivers. The rate quotes are based on a clean driving record, no claims, comprehensive and collision coverage, $500 deductibles, drivers are not married, and no additional discounts are factored in.

What Impacts Toyota Avalon Insurance Prices?

An important part of buying insurance is that you know some of the things that play a part in calculating your policy premiums. When you understand what determines premiums, this empowers consumers to make smart changes that could help you find lower premium levels.

The items below are most of the major factors used by insurance companies to determine your rate level.

Three reasons car insurance is important

Despite the high cost of buying insurance for a Toyota Avalon in Riverside, paying for car insurance may be mandatory for several reasons.

The benefits of buying car insurance definitely exceed the price paid, particularly for liability claims. According to a 2015 survey, the average American driver overpays as much as $820 a year so it’s very important to do a rate comparison at every renewal to ensure rates are inline.