Who Has Cheap Insurance Quotes for a Toyota RAV4 in South Dakota?

The odds of finding the cheapest insurance for a Toyota RAV4 in South Dakota hinges on things like how far you commute, your occupation, and if your driving record is clean. Drivers pay around $850 every 12 months to insure a Toyota RAV4, but that is an estimation that uses rate data for a 40-year-old married male driver who purchased full comprehensive and collision coverage and $250 policy deductibles.

This brings up the issue that more than likely you are not 40 years old and maybe not even male, single instead of married, or maybe you just want liability only. Each driver has unique rating factors, so your best chance at finding the cheapest rates for your Toyota is to put in the effort and compare rates. In less than five minutes you will receive prices from the cheapest companies that insure vehicles in South Dakota.

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Prices above based on married male driver age 40, no speeding tickets, no at-fault accidents, $250 deductibles, and South Dakota minimum liability limits. Discounts applied include multi-policy, homeowner, multi-vehicle, claim-free, and safe-driver. Prices do not factor in specific location information which can lower or raise price quotes noticeably.

Insuring your vehicle with a high-quality car insurance provider is hard considering how many companies are available to choose from in South Dakota. The information listed below can help you analyze which car insurance companies to look at when shopping your coverage around.

These ratings include companies with a nationwide focus, so companies with more of a regional focus are not included in these rankings. To get price quotes from the most competitive companies in South Dakota, click this link.

Responsible drivers pay cheaper South Dakota insurance rates

The best way to maintain good insurance prices for a RAV4 is to drive safely and not get tickets or have accidents. The illustration below demonstrates how citations and at-fault accidents can increase auto insurance rates for different insured age categories. The premiums assume a married female driver, comprehensive and collision coverage, $100 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 Two Accidents’],[‘Age 20’, 2211,2867,5195],[‘Age 30’, 1551,2207,4537],[‘Age 40’, 1531,2187,4517],[‘Age 50’, 1345,2003,4331],[‘Age 60’, 1281,1937,4265],[‘Age 70’, 1375,2033,4363]]);var options = {title: ‘Impact of Tickets and Accidents on South Dakota 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 South Dakota’,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);}

The chart shows that the average cost of car insurance in South Dakota per year with no accidents or violations is $1,549. Get two speeding tickets and the average cost swells to $2,206, an increase of $657 each year. Now add two accidents along with the two speeding tickets and the annual cost of insurance for a Toyota RAV4 jumps again to an average of $4,535. That’s an increase of $2,986, or $249 per month, just for being a less-than-perfect driver!

Discounts on cheap insurance for a Toyota RAV4 in South Dakota

Insurance companies that offer coverage for a Toyota RAV4 may have discounts that can lower rates by 25% or more if you qualify for them. A list of insurance companies and the discounts they provide can be read below.

The example below visualizes the comparison of annual premium costs with and without policy discounts. The price estimates are based on a female driver, a clean driving record, no at-fault accidents, South Dakota state minimum liability limits, comp and collision included, and $250 deductibles.

The first bar for each age group shows the average rate with no discounts. The second bar shows the rates with marriage, multiple policy, accident-free, defensive driving course, homeowner, and safe-driver discounts applied. When discounts are applied, the the amount saved on insurance for a Toyota RAV4 is 34% or $609.

google.charts.setOnLoadCallback(drawDiscqcibChart);function drawDiscqcibChart() {var data = google.visualization.arrayToDataTable([[‘Age of Insured’, ‘Female Driver No Discounts’, ‘Female Driver with Discounts’],[‘Age 20’, 2577,1853],[‘Age 30’, 1779,1291],[‘Age 40’, 1653,1197],[‘Age 50’, 1447,1051],[‘Age 60’, 1395,1015],[‘Age 70’, 1629,1177]]);var options = {title: ‘Insurance Premium Comparison for a Toyota RAV4’,titleTextStyle: {color: ‘#333’,fontSize: 17,bold: true},width: ‘100%’,height: 500,’chartArea’:{left:100,top:50,’width’: ‘100%’, ‘height’: ‘70%’},legend: {position: ‘bottom’},colors: [‘#c096ca’, ‘#e1b7ec’],hAxis: {title: ‘Annual Insurance Cost for a Toyota RAV4’,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(‘qcibdisc’));chart.draw(data, options);}

How to get cheap insurance for a Toyota RAV4 in South Dakota

The list below details many thrifty suggestions that can help drivers find lower-cost car insurance.

• Buy a safer vehicle
• Better credit rating means better rates
• Do not get traffic citations
• Do not pay for full coverage if not needed
• Drive attentively and avoid accidents
• Increase your deductibles
• Compare quotes from other companies often

The last tip is extremely important, as we hit on in this piece. Rates in South Dakota can be modified anytime, so don’t be tentative to buy a policy from a new company if you can save money. Many consumers stick with the same company and that’s fine, but it’s not a good idea if that dedication is costing thousands of dollars over several years. If you have a few minutes, now is a great time to compare prices to find cheaper insurance for a Toyota RAV4.

Best cheap Toyota RAV4 insurance quotes

Consumers have many ways to quote and buy insurance in South Dakota, but the most popular are through an independent agent, an exlusive agent such as State Farm or Auto-Owners, or from a direct company like Progressive or Geico. Each way is similar, but each is different in how they provide price quotes.

Independent agents work for many companies and can do rate comparisons with all of them. They can quote with many companies and provide multiple price quotes, which may provide you with the best chance of finding a lower price. If you want to switch companies, your agent can just switch to a different company and you don’t have to find a new agent.

A captive or exclusive agent is only able to quote your policy with a single company, a couple examples are a Liberty Mutual or State Farm agent. Exclusive agents normally do not have the ability to place coverage with different providers, so it’s a good idea to get additional price quotes.

Opting to purchase insurance direct means you forego local insurance agents and buy buying direct from a company like Esurance or Progressive. Shopping for insurance direct may be the best choice consumers who do not have complex finances and have a good understanding of what limits they need.

So which one of the three ways works best to buy cheap insurance for a Toyota RAV4 in South Dakota? We would first guess that buying from a direct car insurance company results in the cheapest rates since there is no need to pay agent commissions, but in reality, that argument does not hold true. A good argument could also be made that an independent agency saves the most money due to increased selection, but that assumption is also not accurate. For some people, the exclusive agents have extremely competitive rates that independents and direct companies can’t touch.

Since insurance companies use so many rating factors, the only true way to ensure the lowest rates is to compare, compare, and compare some more. Set aside the time to get rate quotes from independent agents, exclusive agents, and direct companies in order to find the best price. For a list of companies with some of the cheapest South Dakota insurance rates, click here to view.