Best Cheap Insurance for a Toyota RAV4 in Wisconsin

The chances that you’ll find cheaper car insurance for a Toyota RAV4 in Wisconsin relies on factors such as whether you are married, your credit history, and any prior driving offenses. Drivers in Wisconsin on average pay approximately $620 every 12 months to insure their RAV4, but that is a valuation based on rates for a 50-year-old single female driver that has comprehensive and collision coverage and $500 deductibles.

But there is a high probability that you aren’t exactly 50 years old or even a female, possibly married instead of single, or maybe you have a violation on your driving record. Insurance is an individual thing, so the most reliable method for finding the cheapest rates for your Toyota is to do the rate comparisons yourself. Quotes are always free and you can get rates from top-rated companies that offer coverage in Wisconsin.

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Premium data assumes single female driver age 50, no speeding tickets, no at-fault accidents, $500 deductibles, and Wisconsin minimum liability limits. Discounts applied include safe-driver, homeowner, multi-vehicle, multi-policy, and claim-free. Information does not factor in vehicle location which can change price quotes significantly.

Deciphering which companies quote the cheapest auto insurance rates for a Toyota RAV4 takes a tad more effort than just getting one or two price quotes. Each auto insurer uses a little different formula for determining prices, so let’s take a look at the most competitive auto insurance companies in Wisconsin.

It’s important to know that Wisconsin auto insurance rates are based on many factors which can substantially change the policy price. Getting older, filing a claim, or getting a reckless driving citation may generate price changes that can now make some companies cheaper than competitors.

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USAA offers some of the cheapest car insurance rates in Wisconsin at around $580 per year. Partners Mutual, Erie, Rockford Mutual, and Nationwide also make the cut as some of the most economical Wisconsin insurance companies.

As illustrated above, if you are a policyholder with Rockford Mutual and switched to USAA, you might see an annual premium reduction of in the vicinity of $152. Insureds with Nationwide could save as much as $165 a year, and Pekin Insurance policyholders might lower prices by $188 a year.

These policy prices are averaged for all ages of drivers and types of vehicles and and are not figured with a specific rate factor for a Toyota RAV4. So the company that can offer you the best price may not even be included in the list of companies above. That underscores the importance of why you need to compare prices as often as possible using your own driver data and vehicle information.

Discounts on Wisconsin insurance rates

Insurance companies that offer the best cheap insurance for a Toyota RAV4 in Wisconsin could also offer special discounts that could potentially reduce rates by as much as 35% if you are eligible. A few of the larger companies and some of their more popular discounts are shown below.

• State Farm discounts include safe vehicle, good driver, good student, multiple policy, accident-free, and anti-theft.
• Liberty Mutual may offer discounts for exclusive group savings, good student, new move discount, newly retired, teen driver discount, multi-car, and preferred payment discount.
• American Family offers discounts for bundled insurance, defensive driver, good driver, accident-free, good student, multi-vehicle, and early bird.
• Progressive may include discounts for online quote discount, online signing, good student, homeowner, and multi-vehicle.
• Farmers Insurance has savings for business and professional, distant student, good student, pay in full, teen driver, and homeowner.
• Auto-Owners Insurance offers premium reductions for paid in full, anti-lock brakes, group or association, air bags, paperless, and teen driver.
• SAFECO includes discounts for drive less, anti-theft, accident prevention training, teen safe driver, teen safety rewards, safe driver, and multi-car.

The illustration below illustrates the comparison of insurance rates with and without discounts applied to the premium. The prices are based on a female driver, no violations or accidents, Wisconsin state minimum liability limits, full physical damage coverage, and $250 deductibles. The first bar for each age group shows insurance cost with no discounts. The second bar shows the rates with defensive driving course, passive restraint, accident-free, vehicle safety, marriage, and multiple vehicle discounts applied. When these discounts are applied, the the average yearly reduction on auto insurance for a Toyota RAV4 is 28% or $377.

Price comparison of only insuring for liability

Finding the best cheap insurance for a Toyota RAV4 in Wisconsin is important to the majority of vehicle owners, and one great way to buy cheap insurance is to not insure for full coverage. The illustration below visualizes the comparison of car insurance rates with and without physical damage coverage. The rate quotes are based on no driving violations, no at-fault accidents, $500 deductibles, single status, and no policy discounts are applied.

If we average all the age groups together, full coverage costs $1,291 per year more than just insuring for liability. Lot’s of drivers question if full coverage is worth the money. There is no exact rule to drop full coverage on your policy, but there is a general guideline. If the annual cost of having full coverage is 10% or more of the vehicle’s replacement cost less your deductible, then it’s probably a good time to buy liability coverage only.

How to find the cheapest auto insurance for a Toyota RAV4

Here are some of the better money-saving suggestions that can help Wisconsin drivers quote cheap auto insurance.

• Do not get traffic violations
• Drop full coverage on older vehicles
• Home or renters coverage can save on auto insurance
• Pay for small claims rather than turning them in to your insurance company
• Buy vehicles with good safety ratings
• Accidents can significantly increase rates
• Shop around for cheaper prices

The last tip is particularly critical, as we pointed out in this write-up. Insurance rates in Wisconsin vary considerably, so don’t be unwilling to buy from a different company if a more affordable price is available. Staying with the same company for years is fine, but it isn’t a good idea if that devotedness results in you overpaying a fortune every year. Spend a few minutes and shop around and find cheaper auto insurance for a Toyota RAV4.

Cheapest car insurance: State Farm, Progressive, Allstate, or Geico

If you want reliable insurance for a RAV4 in Wisconsin, the four most popular companies are State Farm, Progressive, Allstate, and Geico. When combined, they insure 48.5% of all car insurance policies in America. The next table breaks down price and claims rank as well as some different options you can buy with each company.

Who has the cheapest Toyota RAV4 insurance quotes?

Thanks to the internet, there are a lot of ways to purchase auto insurance in Wisconsin, but the most common are either through an exlusive agent like Liberty Mutual or Allstate, an independent or non-exclusive agent, or direct from companies such as Geico or Progressive.

All three ways can provide auto insurance quotes, but they are slightly different in how they function.

Independent agencies work with multiple companies and can quote your policy with all of them. These types of agencies can quote with many companies and provide you with more rate quotes, which can give you a better overall rate comparison. If you want to switch companies, your policy is moved internally and that require little work on your part.

An exclusive ageny is contracted to a single insurance company, two examples are an Allstate or Liberty Mutual agent. Exclusive agents cannot provide prices from multiple companies, so if finding the cheapest auto insurance is your goal, you will want to shop around.

Consumers who buy auto insurance direct do not use an exlusive or independent agent and buy direct online or over the phone from a company like Esurance or Geico. Buying direct can be good for families who have fewer assets and have a decent understanding of what coverages they need.

So which one of the three ways works best for finding the best cheap insurance for a Toyota RAV4 in Wisconsin? We’d like to tell you buying from a direct car insurance company results in the cheapest rates since there is no middleman, but unfortunately, it’s not that cut and dried. We’d also like to say an independent agent guarantees the best prices due to more options, but again, it’s not a sure thing. In many circumstances, the exclusive agents have extremely competitive rates that are the cheapest in Wisconsin.

Because of the variability of auto insurance rates, the only true way to not overpay for auto insurance is to get quotes and compare the rates. Set aside the time to get quotes from all three types to give yourself the best selection. A great place to start is our list of online companies offering discounts: click here to view.