Best Cheap Insurance for a Toyota RAV4 in Ohio

Your chances of buying cheap auto insurance for a Toyota RAV4 in Ohio relies on a fairly complex equation with a lot of factors such as how experienced of a driver you are, if you have ever had a gap in coverage, and driving violations. Drivers pay on average $700 annually to insure a RAV4, but that figure is a ballpark figure based upon a 30-year-old single male driver who needs full comprehensive and collision coverage and $500 deductibles.

It’s highly likely that you aren’t exactly 30 years old or even a male, maybe you are married instead of single, and there is a good chance that other rated drivers impact the rate. What seems to be a minor change in quote information may result in a big change in the price of a policy.

Auto insurance is not the same for everyone, so the best way to find affordable rates for your Toyota is to get into the habit of comparing rates once a year. Quotes only take a few minutes and you will receive prices from the best companies that insure Toyota vehicles in Ohio.

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Prices above based on single male driver age 30, no speeding tickets, no at-fault accidents, $500 deductibles, and Ohio minimum liability limits. Discounts applied include multi-vehicle, claim-free, homeowner, safe-driver, and multi-policy. Premium costs do not factor in specific Ohio garaging location which can influence rates considerably.

Ending up with a good quality auto insurance provider is difficult considering how many choices you have in Ohio. The rank data listed below could help you choose which coverage providers to look at comparing rate quotes with.

The ratings below are only made up of the largest companies in the United States, so companies that have a smaller presence are not included in the list. To compare prices from these companies and more, just click here.

Top 10 Large Car Insurance Companies in Ohio Ranked by Customer Satisfaction

1. USAA – 92%
2. Erie Insurance – 88%
3. American Family – 88%
4. State Farm – 88%
5. Nationwide – 88%
6. 21st Century – 88%
7. AAA Insurance – 87%
8. Liberty Mutual – 87%
9. Farmers Insurance – 87%
10. The Hartford – 87%

Top 10 Large Car Insurance Companies in Ohio Ranked by A.M. Best Rating

1. USAA – A++
2. GEICO – A++
3. Travelers – A++
4. State Farm – A++
5. Allstate – A+
6. Progressive – A+
7. Erie Insurance – A+
8. The Hartford – A+
9. Nationwide – A+
10. Esurance – A+

Top Companies for Toyota RAV4 Insurance in Ohio

Should you buy full coverage?

Finding the best cheap insurance for a Toyota RAV4 in Ohio is important to the majority of drivers, and one way to find cheaper insurance is to not insure for full coverage. The chart below compares car insurance rates with full physical damage coverage compared to only buying liability only. The price estimates are based on no accidents, no driving violations, $250 deductibles, drivers are not married, and no policy discounts are applied.

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Averaged for all age groups, physical damage coverage on your policy costs $1,421 per year more than carrying just liability coverage. At some point, almost every driver questions when is the right time to remove full coverage. There is no definitive rule of when to stop paying for comp and collision coverage, but there is a general guideline you can use. If the annual cost of coverage is more than around 10% of the replacement cost minus the deductible, then it might be time to buy liability only.

There are some situations where eliminating full coverage is not a good idea. If you have an outstanding loan on your vehicle, you are required to maintain full coverage in order to keep the loan. Also, if your savings is not enough to buy a different vehicle if your current one is damaged, you should keep full coverage in place.

Best rates: Allstate, Progressive, Geico, or State Farm

When comparing insurance for a RAV4 in Ohio, the top insurers to get price quotes from are Allstate, Progressive, Geico, and State Farm. Combined they insure about 50% of the entire U.S. car insurance market. The table below compares and contrasts some of the different options that may be available in your state.

Who has the cheapest Toyota RAV4 insurance quotes?

You have a lot of ways to buy car insurance in Ohio, but the most common ways are using a non-exclusive or independent agent, an exclusive agency like Allstate or Liberty Mutual, or direct from companies such as Geico or Progressive. They all have the same end result, but buyers should know the differences in how they give price quotes.

Independent agents write for multiple companies and can get policy pricing from all of them. Independent agents are able to get prices from more than one company, which can give you a better chance of finding cheaper coverage. If you are not satisfied with one company, your agent can switch companies which is easy for the insured.

An agent who is captive is usually just provide rates from one company, for example Allstate or State Farm agents. Exclusive agents normally do not have the ability to place coverage with different providers, so it’s a take it or leave it situation.

Buying from a direct company means bypass an exlusive or independent agent and instead shop from a direct company like Geico or Progressive. This car insurance option is a good choice for families who do not have a need for a risk management assessment and have a good understanding of what is covered and what is not.

So which of those three methods works best to buy the best cheap insurance for a Toyota RAV4 in Ohio? The quick answer would be buying from a direct car insurance company yields the cheapest rates since there is no middleman, but that is not always the case. A valid argument could also be made that using an independent agent guarantees the best prices due to increased selection, but that assumption is also not necessarily accurate. And sometimes, the exclusive agents have extremely competitive rates well below independent agents AND direct companies.

Due to the fact that car insurance rates vary so much, really the only way to not overpay for car insurance is to obtain price quotes and compare them. We highly recommend getting prices from all three types in order to have enough rates to compare. A great place to start is our list of online companies offering discounts: click here to view.

Find the best cheap insurance for a Toyota RAV4 in Ohio

It’s not impossible to find cheaper rates, and here are many money-saving suggestions that can help Ohio drivers get cheaper car insurance.

• Just one traffic violation will increase your rates
• Pay lower rates with good credit
• Do not pay for full coverage if not needed
• Being accident-free can lower rates significantly
• Raise deductibles to save money
• Buy vehicles with good safety ratings
• Compare quotes from other companies often

That last tip is remarkably critical, as was affirmed in the prior article. Car insurance prices vary considerably, so don’t be unwilling to buy a policy from a new company if a lower price can be found. Having a favorite company is fine, but it’s not a good idea if your bullheadedness ends up costing you money that could be spent on other things. If you have a few minutes, compare prices and find cheaper auto insurance for a Toyota RAV4.