Cheapest Insurance Quotes for a Toyota RAV4 in Colorado

Our editors keep telling us that when writing about car insurance, the word affordable should not appear anywhere in the article. The fact is, cheap auto insurance for a Toyota RAV4 is not easy to find. Don’t let that ruin your day, because we are going to show you some ways you can get insurance that works with your budget.

Buying the best cheap coverage for a Toyota RAV4 in Colorado relies on a complicated formula that considers factors such as the number of years you have been driving, the likelihood of vehicle theft, and your choice of physical damage deductibles. Drivers on average will pay $730 annually to insure their RAV4, but that amount is a projection using a 50-year-old married male that has full coverage and $1,000 deductibles.

Odds are that you are not 50 and possibly not even male, possibly single instead of married, and maybe you want higher deductibles. Making minor changes in rating factors could end up with a large change in policy price.

Every driver has a different risk profile, so the best way to find cheap insurance rates for your Toyota is to comparison shop your policy at every renewal or at least every couple of years. Compare rate quotes now and you can get prices from the best companies that sell coverage in Colorado.

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Price data assumes married male driver age 50, no speeding tickets, no at-fault accidents, $1000 deductibles, and Colorado minimum liability limits. Discounts applied include multi-policy, homeowner, claim-free, safe-driver, and multi-vehicle. Table data does not factor in vehicle location which can lower or raise prices considerably.

Finding out which companies offer the best insurance rates for a Toyota RAV4 calls for a bit more work than just getting one or two price quotes. Every insurance company has a proprietary formula for filing rates in each state, so we need to take a look at the insurance companies with the overall best prices in Colorado.

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The Hartford generally has some of the cheapest car insurance rates in Colorado at around $825 a year. Grange, USAA, Nationwide, and GEICO also rank well as some of the cheapest Colorado auto insurance companies.

As shown above, if you are a policyholder with USAA and switched to The Hartford, you could realize annual savings of roughly $174. Customers with Nationwide might save as much as $284 a year, and GEICO insureds might reduce rates by $362 a year.

It’s important to note that these premiums are averaged for all drivers and vehicles and do not factor in a specific rating modification for a Toyota RAV4. So the company that has the lowest price for you may not even be featured in the company chart above. That helps illustrate why you need to quote rates from as many companies as possible using your own personalized driver profile and vehicle information.

Discounts on the cheapest insurance for a Toyota RAV4 in Colorado

Car insurance companies that offer coverage for a Toyota RAV4 could also offer special discounts that could lower prices by 35% or more if you meet eligibility requirements. Popular insurance companies and some of their more popular discounts are outlined below.

The illustration below shows the comparison of insurance costs with and without discounts. The premium estimates are based on a male driver, no claims or driving citations, Colorado state minimum liability limits, comprehensive and collision coverage, and $100 deductibles. The first bar for each age group shows insurance cost with no discounts. The lower bar shows the rates with claim-free, accident-free, multiple vehicle, vehicle safety, homeowner, and anti-theft discounts applied. When drivers qualify for the discounts, the average savings per year on insurance for a Toyota RAV4 is % or $.

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How to find the cheapest insurance for a Toyota RAV4 in Colorado

The list below summarizes some of the recommended thrifty suggestions that can help Colorado drivers find low-cost car insurance.

• Do not waste money insuring older vehicles for full coverage
• Clean up your credit
• Bundle home and auto and earn a discount
• Having too many claims will increase rates substantially
• Lower rates by purchasing a safer vehicle
• Increase your policy deductibles
• Shop your coverage around for the best deal

The last item on the list is extraordinarily valuable, as we hit on in this article. Prices charged by companies can be changed at any time, so don’t be hesitant to switch to a new company if a better deal can be had.

Being loyal to a particular company is commendable, but it isn’t a good idea if that inflexibility results in costing you a lot of money every month. It only take a few minutes to shop around and find cheaper car insurance for a Toyota RAV4.