Cheapest Insurance for a Toyota RAV4 in Idaho

Whether or not you can find cheap insurance for a Toyota RAV4 in Idaho is contingent on a fairly complex equation with a lot of factors such as how far you commute, if you have maintained coverage continuously, and deductibles for comprehensive and collision coverage. Drivers in Idaho pay on average $780 every 12 months to insure a Toyota RAV4, but that price is an estimate that uses a 50-year-old single female driver that included full coverage including both comprehensive and collision and $100 policy deductibles.

When making auto insurance estimates, the issue arises that you may not be 50 years old (or even female), maybe you are married instead of single, or maybe you live in a different area as the quoted rates. Even a minor change in rating factors can result in a big discrepancy in the cost of insurance for a Toyota RAV4.

There is no perfect policy for every driver, so the way we recommend to find the cheapest rates for your Toyota is to get into the habit of comparing rates once a year.

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Data variables include single female driver age 50, no speeding tickets, no at-fault accidents, $100 deductibles, and Idaho minimum liability limits. Discounts applied include claim-free, homeowner, multi-policy, safe-driver, and multi-vehicle. Price estimates do not factor in the specific area where the vehicle is garaged which can decrease or increase prices noticeably.

Buying low-priced auto insurance is tough enough, and determining which company quotes the best auto insurance rates for a Toyota RAV4 will take a little more work. Each insurer uses their own calculation to set their prices, so first let’s look at the rankings for the most competitive auto insurance companies in Idaho.

Lowest Insurance Price Quotes for Your Toyota

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American National offers some of the cheapest car insurance rates in Idaho at around $237 annually. Farm Bureau of ID Group, USAA, Oregon Mutual, and Travelers are also some of the more affordable Idaho car insurance companies.

As shown in the table above, if you are currently insured with USAA and switched to American National, you could earn yearly savings of in the vicinity of $315. Idaho drivers with Oregon Mutual might save as much as $435 a year, and Travelers customers might cut rates by $463 a year.

To find the cheapest insurance for a Toyota RAV4 in Idaho, click here to get a free quote or visit any of the companies below.

These prices are averaged for all types of insureds and vehicles and and are not figured with a specific rate value for a Toyota RAV4. So the car insurance company that can offer you the lowest price may not even be in the company chart above. That underscores the importance of why you need to compare rates from multiple companies using your own specific driver information and vehicle.

Tickets and at-fault accidents raise rates

The obvious way to snag cheap auto insurance prices for a RAV4 is to drive safely and avoid accidents and violations. The example below shows how violations and fender-benders can impact car insurance costs for different age groups. Data assumes a married female driver, comprehensive and collision coverage, $250 deductibles, and no additional discounts are factored in.

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’, 1623,2101,3861],[‘Age 30’, 1139,1613,3373],[‘Age 40’, 1127,1603,3363],[‘Age 50’, 991,1469,3229],[‘Age 60’, 943,1419,3181],[‘Age 70’, 1013,1489,3249]]);var options = {title: ‘Impact of Tickets and Claims on Idaho 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 Idaho’,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);}

In the previous chart, the average cost of car insurance per year with a clean driving record and no accidents is $1,139. Get written up for two speeding tickets and the average cost hikes up to $1,616, an increase of $476 each year. Then include two accidents along with the two speeding tickets and the 12-month cost of auto insurance for a Toyota RAV4 jumps again to an average of $3,376. That’s an increase of $2,237, or $186 per month, just for not driving attentively!

How to find economical insurance for a Toyota RAV4

Here are some of the better money-saving ideas that can help you find the cheapest coverage.

• Drive safely
• Staying accident-free helps keep rates low
• Raise deductibles
• Safer vehicles generally have cheaper insurance rates
• Maintaining good credit helps earn cheaper rates
• Compare prices frequently to find the best deal

The last item on the list is especially vital, as was affirmed in this article. Coverage rates in Idaho can be adjusted at any time, so don’t be hesitant to switch companies if a better rate can be found.

Many consumers stick with the same company and that’s fine, but we do not recommend it if that loyalty ends up costing potentially thousands of dollars a year. In just a couple of minutes you could compare prices and find cheaper insurance for a Toyota RAV4.