How 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.
| 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.
| 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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| 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.
- How do annual miles impact costs? – Driving more miles each year the higher the price you pay to insure it. Most companies charge to insure your cars partially by how you use the vehicle. Autos used primarily for pleasure use cost less to insure than cars that get driven a lot. Double check that your car insurance policy states the right rating data. An incorrectly rated Avalon may be costing you.
- Big city or small town – Having an address in less populated areas of the country has it’s advantages when buying car insurance. Fewer drivers on the road means reduced accidents in addition to lower liability claims. People who live in big cities regularly have more traffic problems and longer commute times. More time on the road can result in more accidents.
- Your occupation is a factor – Careers like fire fighters, social workers, and miners usually pay higher premiums than the average policyholder due to intense work-related stress and lots of time spent at work. On the flip side, careers such as professors, athletes and retirees have lower than average premiums.
- Theft deterrents save – Driving a car with an alarm system can earn a premium discount. Anti-theft devices such as OnStar, LoJack tracking, and tamper alarms all hinder your vehicle from being stolen.
- Combining policies can get discounts – Most larger car insurance companies will award discounts to insureds who carry more than one policy such as combining an auto and homeowners policy. This can amount to 10 percent or more. Even if you qualify for this discount already, it’s still a good idea to get quotes from other companies to confirm you are receiving the best rates possible.
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Accidents can be expensive – Having a single speeding ticket or other violation can increase rates by as much as twenty percent. Attentive drivers have lower premiums than their less careful counterparts. Drivers who get careless violations such as DUI or reckless driving may find they need to submit a SR-22 or proof of financial responsibility with their state’s licensing department in order to drive a vehicle legally.
The example below demonstrates how citations and at-fault fender-benders increase Toyota Avalon insurance rates for different ages of insureds. The information is based on a single female driver, comprehensive and collision coverage, $1,000 deductibles, and no discounts are applied.
- Increase comp and collision deductibles to save – Physical damage deductibles state the amount of money you are willing to pay before your car insurance pays a claim. Insurance for physical damage, commonly called comprehensive (or other-than-collision) and collision coverage, protects your car from damage. A few examples of covered claims could be colliding with a stationary object, collision with a deer, and having a roll-over accident. The more of the claim you’re willing to pay, the lower your rates will be.
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Loss probability for a Toyota Avalon – Insurers use past loss statistics for each vehicle in order to profitably underwrite each model. Models that are shown to have increased claim numbers or amounts will have higher rates for specific coverages. The data below shows the insurance loss data used by companies for Toyota Avalon vehicles.
For each coverage type, the statistical loss for all vehicles averaged together is equal to 100. Numbers shown that are under 100 imply a favorable loss record, while values that are 100 or greater indicate a higher chance of having a claim or statistically larger claims.
Insurance Loss Ratings for Toyota Avalon Vehicles Vehicle Model Collision Property Damage Comp Personal Injury Medical Payment Bodily Injury Toyota Avalon 113 72 112 106 98 74 Toyota Avalon Hybrid 120 72 132 107 85 80 BETTERAVERAGEWORSEData Source: Insurance Institute for Highway Safety for 2013-2015 Model Years
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.
- Most states have compulsory liability insurance requirements which means the state requires specific limits of liability insurance in order to drive the car. 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.
- If your vehicle has a lienholder, more than likely the lender will require that you have physical damage coverage to guarantee payment of the loan. If the policy lapses, the bank will be required to insure your Toyota at an extremely high rate and require you to fork over much more than you were paying before.
- Car insurance preserves your Toyota and your assets. It will also cover medical expenses incurred in an accident. One of the most valuable coverages, liability insurance, will also pay for a defense attorney if anyone sues you for causing an accident. If damage is caused by hail or an accident, your car insurance policy will pay all costs to repair after the deductible has been paid.
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.