Cheapest Insurance for a Toyota RAV4 in Rhode Island

The chances that you’ll find affordable coverage for a Toyota RAV4 in Rhode Island depends on lots of different rating factors such as how you use your RAV4, if you have maintained coverage continuously, and your choice of deductibles. Drivers in Rhode Island pay an average of $1,530 annually to buy insurance for a Toyota RAV4, but that price is rating a 30-year-old single male that includes both comprehensive and collision coverage and $100 physical damage deductibles.

But there is a high likelihood that you aren’t exactly 30 years old or even a male, married instead of single, or possibly you just want cheap liability coverage. Even a minor change in rating factors may result in significant differences in the policy cost.

Every driver has different characteristics, so the most reliable method for finding the cheapest insurance price for your Toyota is to regularly compare rates at renewal.

Compare Toyota RAV4 Insurance Rates

Prices above based on single male driver age 30, no speeding tickets, no at-fault accidents, $100 deductibles, and Rhode Island minimum liability limits. Discounts applied include homeowner, safe-driver, multi-vehicle, claim-free, and multi-policy. Information does not factor in specific Rhode Island garaging location which can raise or lower coverage prices greatly.

Finding the right auto insurance provider can be a challenge considering how many choices drivers have in Rhode Island. The company rank data in the lists below may help you choose which car insurance companies to look at purchasing from. The rankings below only include companies that write coverage in many states, so companies that only write business in Rhode Island or surrounding areas are not factored into these rankings.

Top 10 Major Car Insurance Companies in Rhode Island Ranked by Customer Service

1. The Hartford
2. American Family
3. Progressive
4. GEICO
5. USAA
6. State Farm
7. Travelers
8. Farmers Insurance
9. Allstate
10. Safeco Insurance

Top 10 Major Car Insurance Companies in Rhode Island Ranked by A.M. Best Rating

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

Top Companies for Toyota RAV4 Insurance in Rhode Island

Impact of violations and accidents on rates

The easiest way to enjoy cheap auto insurance prices for a RAV4 is to drive safe and have a clean driving record. The illustration below shows how speeding tickets and at-fault accidents can affect insurance premiums for different age groups. The rates are based on a single female driver, full coverage, $1,000 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 One Accident’],[‘Age 20’, 2869,3507,4157],[‘Age 30’, 1929,2567,3217],[‘Age 40’, 1805,2443,3095],[‘Age 50’, 1579,2217,2865],[‘Age 60’, 1529,2165,2819],[‘Age 70’, 1805,2447,3097]]);var options = {title: ‘Effect of Tickets and Claims on Rhode Island 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 Rhode Island’,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 example, the average cost of a car insurance policy per year with no accidents and a clean driving record is $1,919. Get two speeding tickets and the average cost swells to $2,558, an increase of $638 each year. Then add one accident along with the two speeding tickets and the 12-month cost of auto insurance for a Toyota RAV4 goes up to an average of $3,208. That’s an increase of $1,289, or $107 per month, just for not paying attention while driving!

How to get discounts on Rhode Island auto insurance

Insurers that provide the cheapest insurance for a Toyota RAV4 in Rhode Island could also offer discounts that can reduce rates by as much as 40% or more if you meet the requirements. A list of companies and their possible discounts are included below.

• Esurance discounts include safety device, homeowner, good driver, Switch & Save, good student, and DriveSense.
• The Hartford may have discounts that include driver training, anti-theft, good student, bundle, defensive driver, and vehicle fuel type.
• AAA offers premium reductions for multi-policy, education and occupation, pay-in-full, AAA membership discount, multi-car, good student, and anti-theft.
• GEICO offers discounts including five-year accident-free, membership and employees, emergency military deployment, daytime running lights, anti-theft, and good student.
• State Farm may include discounts for multiple policy, Steer Clear safe driver discount, accident-free, defensive driving training, and safe vehicle.

The chart below shows the comparison of insurance premiums with and without discounts applied. The information is based on a female driver, a clean driving record, no claims, Rhode Island state minimum liability limits, full coverage, and $250 deductibles. The first bar for each age group shows insurance cost with no discounts. The second bar shows the rates with vehicle safety, accident-free, multiple vehicle, claim-free, defensive driving course, and anti-theft discounts applied. When drivers qualify for the discounts, the the average amount saved on auto insurance for a Toyota RAV4 is 28% or $663.

google.charts.setOnLoadCallback(drawDiscqcibChart);function drawDiscqcibChart() {var data = google.visualization.arrayToDataTable([[‘Age of Insured’, ‘Female Driver No Discounts’, ‘Female Driver with Discounts’],[‘Age 20’, 3537,2545],[‘Age 30’, 2439,1767],[‘Age 40’, 2263,1641],[‘Age 50’, 1981,1437],[‘Age 60’, 1913,1387],[‘Age 70’, 2231,1609]]);var options = {title: ‘Comparison of Insurance Rates 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 in Rhode Island’,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);}

Best cheap Toyota RAV4 insurance quotes

There are many different ways to comparison shop for auto insurance in Rhode Island, but the most popular ways are using an exlusive agent such as State Farm or Auto-Owners, a non-exclusive or independent agent, or direct online or over the phone from a company like Progressive or Geico.

All three ways are similar, but auto insurance shoppers should know the differences in how they work.

Independent insurance agencies can place your business with multiple companies and can quote your policy with every one. These types of agencies have the ability to compare multiple rates, which can give you a better overall rate comparison. If premiums increase, they simply move the coverage in-house which prevents you from having to find an new insurance agent.

Exclusive agents are only able to place business with just one company, two examples are an Auto-Owners or Allstate agent. Exclusive agents cannot provide other companys’ prices, so they really need to provide good service.

Consumers who buy auto insurance direct forego either of the other two types of agents and instead shop from a direct company like Progressive. Shopping for auto insurance direct may be preferred by families who do not have complex finances and have a decent understanding of what limits they need.

So what is the best way to find the cheapest insurance for a Toyota RAV4 in Rhode Island? The obvious answer would be buying from a direct company results in the best prices since that prevents the need to pay agent commissions, but that does not always hold true. We could also assume that buying auto insurance from an independent agent is the best way since they have access to many companies, but again, it’s not a sure thing. And often times, exclusive agents have price quotes that are the cheapest.

Because it’s impossible to say who has the best auto insurance rates, really the only way to buy the cheapest policy is to get quotes and compare the rates. In a perfect world, youll get quotes from all three types to get a good idea who is cheapest. For a list of companies with some of the cheapest Rhode Island auto insurance rates, click here to view.

How to get the cheapest insurance for a Toyota RAV4 in Rhode Island

It is possible to find better rates, and here are many thrifty solutions that can help you buy lower-cost coverage.

• Accident-free drivers may qualify for discounts
• Increase your deductibles
• Remove physical damage coverage on older vehicles
• Do not get tickets
• Save money by staying claim-free
• Shop your coverage around for the best deal

The last tip in the list is especially valuable, as we noted in this article. Prices charged by auto insurers in Rhode Island can be adjusted at any time, so drivers shouldn’t be resistant to buy from a different company if a lower price can be found.

Many drivers have brand loyalty and that’s fine, but we do not recommend it if that faithfulness ends up costing you money that could be going to better use. In less than five minutes you could compare rates to find cheaper auto insurance for a Toyota RAV4.

Geico, Progressive, State Farm, and Allstate: Who is best?

If you want reliable car insurance, the top insurers to get price quotes from are Geico, Progressive, State Farm, and Allstate. The data below breaks down some of the ratings and options you can buy with each company.