Best Cheap Insurance Quotes for a Toyota RAV4 in Louisiana

We always joke that when we write about auto insurance, the word “cheap” should not be used anywhere in the article. Notwithstanding, cheap auto insurance for a Toyota RAV4 can be difficult to find. Don’t let that ruin your day, because we will teach you how you can still get car insurance that is affordable.

The odds of finding cheaper insurance for a Toyota RAV4 in Louisiana is contingent on many rating criteria such as whether you are a new or experienced driver, if you have recent claims, and driving citations. Drivers pay approximately $1,390 every 12 months to insure a RAV4, but that price is a ballpark figure based on rate data for a 30-year-old married male who needs full physical damage coverage and $250 deductibles.

There is a high probability that you are not 30 and possibly not even male, you might be single instead of married, and there is a good chance that other rated drivers impact the rate. This demonstrates why your best shot at finding the cheapest insurance price for your Toyota is to make a habit of comparing prices at least once a year.

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Prices based on married male driver age 30, no speeding tickets, no at-fault accidents, $250 deductibles, and Louisiana minimum liability limits. Discounts applied include homeowner, multi-policy, safe-driver, multi-vehicle, and claim-free. Prices do not factor in specific location which can impact coverage rates considerably.

Choosing the top insurer can be a challenge considering how many different companies there are to choose from in Louisiana. The ranking information shown below could help you analyze which insurers to look at purchasing a policy from.

The ratings below are only made up of companies who write in the majority of U.S. states, so companies without a large exposure are not taken into consideration for these rankings. To get price quotes and find the cheapest rates for a Toyota RAV4, just click here.

Bad driving habits will cost you more

The easiest method to maintain the best cheap insurance for a Toyota RAV4 in Louisiana is to drive safe and have a clean driving record. The information below highlights how traffic violations and at-fault accidents can influence yearly insurance costs for each age group. The data assumes a married male driver, full physical damage coverage, $100 deductibles, and no discounts are applied to the premium.

google.charts.setOnLoadCallback(drawVioqcibChart);function drawVioqcibChart() {var data = google.visualization.arrayToDataTable([[‘Age of Insured’, ‘No Violations or Accidents’, ‘One Speeding Ticket and No Accidents’, ‘One Speeding Ticket and One Accident’],[‘Age 20’, 4673,5071,6201],[‘Age 30’, 2445,2845,3973],[‘Age 40’, 2345,2743,3873],[‘Age 50’, 2145,2543,3671],[‘Age 60’, 2107,2503,3633],[‘Age 70’, 2421,2819,3945]]);var options = {title: ‘Impact of Citations and Accidents on Louisiana 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 Louisiana’,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 data in the chart shows the average cost of a car insurance policy in Louisiana per year with no violations or accidents is $2,689. Add in one speeding ticket and the average cost jumps to $3,087, an increase of $398 each year. Now add one accident along with the one speeding ticket and the annual cost of insurance for a Toyota RAV4 increases to an average of $4,216. That’s an increase of $1,527, or $127 per month, just for not paying attention while driving!

Here’s why you should compare rates often

Louisiana insurance rates are influenced by many factors which can substantially decrease or increase the price you have to pay. Improving your credit rating, buying a home, or having a fender bender can produce rate changes that can now make some companies cheaper than competitors.

Additionally, auto insurance companies amend premium rates as often as every three months to help ensure profitability. Heavy losses may result in higher rates, while profitable underwriting may cause lower-cost RAV4 insurance rates.

The graph below shows the company with the cheapest car insurance in Louisiana for a 30-year-old female driver with no accidents, a clean driving record, and a decent credit rating. If we look at prices based on her current risk profile, USAA quotes the best car insurance rates in Louisiana at $1,578 each year. This is $836 less than the average policy premium paid by Louisiana drivers of $2,414. MetLife, GEICO, Progressive, and Safeway round out the rest of the cheapest Louisiana auto insurance companies.

google.charts.setOnLoadCallback(drawLAWitcqcibChart);function drawLAWitcqcibChart() {var data = google.visualization.arrayToDataTable([[‘Company’, ‘Rate’, { role: ‘style’ }],[‘USAA’, 1578, ‘#629100’],[‘MetLife’, 1836, ‘#517800’],[‘GEICO’, 1887, ‘#436400’],[‘Progressive’, 2005, ‘#375300’],[‘Safeway’, 2132, ‘#2D4500’]]);var options = {title: ‘Best Car Insurance Rates for a Toyota RAV4’,titleTextStyle: {color: ‘#333’, fontSize: 17, bold: true},width: ‘100%’,height: 300,’chartArea’: {left:0,top:50,’width’: ‘100%’, ‘height’: ‘70%’},bar: {groupWidth: “90%”},legend: {position: ‘none’},vAxis: {viewWindowMode:’explicit’,viewWindow:{max:2232,min:0}}};var formatter = new google.visualization.NumberFormat({fractionDigits: 0,prefix: ‘$’});var view = new google.visualization.DataView(data);view.setColumns([0, 1,{ calc: “stringify”,sourceColumn: 1,type: “string”,role: “annotation” },2]);formatter.format(data,1);formatter.format(data,2);var chart = new google.visualization.ColumnChart(document.getElementById(‘qcibwitc’));chart.draw(view, options);}

In this example, we will give the driver from above an accident surcharge, a little lower credit rating, and a few blemishes on her driving record. Since each auto insurance company has a different formula to determine rates, getting updated rate quotes may now result in a slightly different list of the cheapest car insurance companies in Louisiana as shown below.

google.charts.setOnLoadCallback(drawLAWcqcibChart);function drawLAWcqcibChart() {var data = google.visualization.arrayToDataTable([[‘Company’, ‘Rate’, { role: ‘style’ }],[‘California Casualty’, 2546.5, ‘#F58700’],[‘State Farm’, 2621.3, ‘#CC7000’],[‘MetLife’, 2754, ‘#AA5D00’],[‘GEICO’, 2830.5, ‘#8D4D00’],[‘Safe Auto’, 2832.5, ‘#754000’]]);var options = {title: ‘Cheapest Rates After Accident/Violation’,titleTextStyle: {color: ‘#333’,fontSize: 17,bold: true},width: ‘100%’,height: 300,’chartArea’:{left:0,top:50,’width’: ‘100%’, ‘height’: ‘70%’},bar: {groupWidth: “90%”},legend: {position: ‘none’},vAxis: {viewWindowMode:’explicit’,viewWindow:{max:2932.5,min:0}}};var formatter = new google.visualization.NumberFormat({fractionDigits: 0,prefix: ‘$’});var view = new google.visualization.DataView(data);view.setColumns([0, 1,{ calc: “stringify”,sourceColumn: 1,type: “string”,role: “annotation” },2]);formatter.format(data,1);formatter.format(data,2);var chart = new google.visualization.ColumnChart(document.getElementById(‘qcibwc’));chart.draw(view, options);}

California Casualty now has the lowest price on auto insurance in Louisiana with State Farm, MetLife, GEICO, and Safe Auto completing the list. This demonstrates why it is critical to do a thorough rate comparison when trying to find the most affordable insurance rates for a Toyota RAV4.

Rates are made up of many risk factors and change frequently, so the most affordable company the last time you compared rates may now be one of the more expensive options.

How to find the best cheap insurance for a Toyota RAV4 in Louisiana

The list below shows some of the recommended thrifty ideas that can help Louisiana drivers get low-cost auto insurance.

• Good credit scores may lower your rates
• Do not get traffic citations
• Multi-policy discounts save money
• Accident-free drivers may qualify for discounts
• Higher deductibles save money
• If possible, pay for small claims out-of-pocket
• Compare rates often to find the best deal

The last tip in the list is remarkably vital, as we noted in the prior information. Insurance prices in Louisiana adjust often, so drivers shouldn’t hesitate to switch carriers if a better rate can be found. Sticking with a specific company is fine, but it’s not a great idea if that loyalty results in overpaying thousands of dollars over several years. In just a couple of minutes you could compare prices and find cheaper auto insurance for a Toyota RAV4.

Who has the cheapest Toyota RAV4 insurance quotes?

Drivers have a lot of ways to comparison shop for insurance in Louisiana, but the most frequently used methods are through an exclusive insurance agency such as State Farm or Allstate, an independent agent, or from a direct company like Progressive or Geico.

Each way has the same basic steps, but insurance buyers need to understand the differences in how they give price quotes.

Independent insurance agents have contracts with many companies and can do rate comparisons with each one. These types of agents have the ability to provide you with more rate quotes, which may give you a better chance of finding cheaper coverage. If your agent finds a cheaper company, your agent can switch companies and that require little work on your part.

An exclusive ageny is only able to write business for a single company, two examples being an Allstate or Liberty Mutual agent. These agents are not able to provide other companys’ prices, so you need to shop around if the rates are high.

When you buy insurance direct, you forego a local agent and instead shop direct online or over the phone from a company like Progressive or Esurance. Shopping for insurance direct may be the best choice consumers who do not need risk management and have a decent understanding of what specific coverages and deductibles they need.

Which way works best to find the best cheap insurance for a Toyota RAV4 in Louisiana? It would be premature to say buying direct saves the most money since there is no middleman, but unfortunately, it’s not that cut and dried. A valid argument could also be made that buying insurance from an independent agent is the best way to go because they can shop around, but again, that’s not a true statement. And often times, exclusive agents have very competitive rates that cannot be beaten by either independent or direct companies.

Because of the variability of insurance rates, the only real way to get rock-bottom rates is to get as many comparison quotes as possible. To find the best rates, be sure to get price quotes all three ways to give yourself the best selection. A great place to start is our list of online companies offering discounts: click here to view.