Who Has Cheap Insurance Quotes for a Toyota RAV4 in West Virginia?

The chances that you’ll find the cheapest coverage for a Toyota RAV4 in West Virginia depends upon a complex formula that factors things such as the number of years of driving experience you have, whether or not you garage your vehicle, and deductible levels for physical damage coverage. Drivers will pay around $1,100 every 12 months to insure a RAV4, but that price is a valuation rating a 30-year-old married male with comprehensive and collision coverage and $250 physical damage deductibles.

But there is a good chance that you are not 30 and possibly not even male, maybe you are single instead of married, or you need different deductibles. Having what appears to be a very minor change in rating criteria may result in significant differences in the cost of a policy.

Car insurance rates are unique for each driver, so the most reliable method for finding cheap insurance prices for your Toyota is to make a habit of regularly comparing rates from other companies.

Compare Toyota RAV4 Insurance Rates

Prices based on married male driver age 30, no speeding tickets, no at-fault accidents, $250 deductibles, and West Virginia minimum liability limits. Discounts applied include homeowner, multi-policy, safe-driver, claim-free, and multi-vehicle. Rate information does not factor in specific zip code location which can influence premiums significantly.

Ending up with the right insurance provider can be challenging considering how many choices you have in West Virginia. The ranking data shown below could help you decide which car insurance providers you want to consider when insurance shopping for a Toyota RAV4.

The rankings below are only made up of the companies with a significant amount of written premium nationwide, so companies with more of a regional focus are not factored into these rankings. To check prices from these companies and more, follow this link.

Full coverage or liability only

Finding cheap insurance for a Toyota RAV4 in West Virginia is probably important to most drivers, and a good way to lower the cost of insurance is to buy only liability coverage. The information below compares insurance prices with full phyical damage coverage and with liability coverage only. The premiums are based on no claims or driving citations, $250 deductibles, single status, and no additional discounts are factored in.

google.charts.setOnLoadCallback(drawFclqcibChart);function drawFclqcibChart() {var data = google.visualization.arrayToDataTable([[‘Age of Insured’, ‘Full Coverage with $250 Deductibles’, ‘Liability Only’],[‘Age 20’, 3907,1303],[‘Age 30’, 2039,715],[‘Age 40’, 2009,663],[‘Age 50’, 1829,621],[‘Age 60’, 1769,609],[‘Age 70’, 2157,815]]);var options = {title: ‘Full Coverage Rates Compared to Liability Only Rates’,titleTextStyle: {color: ‘#333’,fontSize: 17,bold: true},width: ‘100%’,height: 500,’chartArea’: {left:100,top:50,’width’: ‘100%’, ‘height’: ‘70%’},legend: {position: ‘bottom’},colors: [‘#6791b9′,’#98bee2’],hAxis: {title: ‘Annual Insurance Cost for a Toyota RAV4 in West Virginia’,minValue: 0,format: ‘$###,###’},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(‘qcibfcl’));chart.draw(data, options);}

If all age groups are averaged, physical damage coverage on your policy costs $2,285 per year over and above liability only. Many drivers may wonder when is the right time to remove full coverage. There is no set rule of when to stop paying for physical damage coverage on your policy, but there is a general guideline you can use. If the yearly cost of comp and collision coverage is more than about 10% of the replacement cost of your vehicle minus the policy deductible, then it could be time to drop full coverage.

For example, let’s pretend your vehicle’s replacement cost is $6,000 and you have $1,000 full coverage deductibles. If your vehicle is totaled, you would only receive $5,000 after paying your deductible. If it’s costing you more than $500 a year for comprehensive and collision coverage, the it may be a good time to stop paying for full coverage.

There are some scenarios where eliminating full coverage is not in your best interest. If you still owe a portion of the original loan, you have to maintain full coverage as part of the loan conditions. Also, if your finances do not allow you to purchase a different vehicle if your current one is damaged, you should not consider dropping full coverage.

Your low-price policy may be costing you money

West Virginia car insurance rates are influenced by many factors that will increase or decrease the price of coverage. Improving your credit score, filing a claim, or getting caught speeding may cause policy rate changes resulting in some companies being cheaper than before. Also, car insurance companies file new West Virginia car insurance rates as needed to reflect underwriting profits or losses. Unexpectedly high claims can result in price increases, while a better claims history can produce lower-cost RAV4 insurance rates.

The bar chart below compares the cheapest car insurance in West Virginia for a 45-year-old female driver with no prior claims, no tickets, and good credit. If we estimate rates based on her current risk profile, Erie might offer the most affordable car insurance rates in West Virginia at $931 each year. This is $849 less than the average rate paid by West Virginia drivers of $1,780. The Hartford, State Auto, USAA, and Westfield also make the list of the top five cheapest West Virginia auto insurance companies.

google.charts.setOnLoadCallback(drawWVWitcqcibChart);function drawWVWitcqcibChart() {var data = google.visualization.arrayToDataTable([[‘Company’, ‘Rate’, { role: ‘style’ }],[‘Erie’, 931, ‘#0D6781’],[‘The Hartford’, 1049, ‘#0A556B’],[‘State Auto’, 1229, ‘#084659’],[‘USAA’, 1274, ‘#063A4A’],[‘Westfield’, 1301, ‘#05303D’]]);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:1401,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);}

Now we will give the driver from above a couple of claims, a lower credit score, and a blemish on her driving record. Since every car insurance company has their own formula to set their prices, analyzing rate quotes may now show a significantly different list of the cheapest car insurance companies in West Virginia as shown below.

google.charts.setOnLoadCallback(drawWVWcqcibChart);function drawWVWcqcibChart() {var data = google.visualization.arrayToDataTable([[‘Company’, ‘Rate’, { role: ‘style’ }],[‘Progressive’, 1643.4, ‘#FF8500’],[‘The Hartford’, 1678.4, ‘#D46E00’],[‘Nationwide’, 1706.1, ‘#B05B00’],[‘Encompass’, 1799.6, ‘#924B00’],[‘GEICO’, 1843.6, ‘#793E00’]]);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:1943.6,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);}

Progressive now has the lowest price in West Virginia with The Hartford, Nationwide, Encompass, and GEICO now rounding out the top five. This shows why consumers need to take the time to perform an extensive rate comparison when trying to find affordable car insurance quotes for a Toyota RAV4. Auto insurance prices can be determined by many things and can change without notice, so the cheapest rate the last time you checked may now be quite expensive.

How to get cheap insurance for a Toyota RAV4 in West Virginia

It is possible to find better rates, and here are some penny-pinching solutions that can help West Virginia drivers get more affordable auto insurance.

• Buy a car with high safety ratings
• Maintain a safe distance and avoid accidents
• Maintaining good credit helps earn cheaper rates
• Claim-free drivers earn discounts
• Be a safe driver
• Keep rates low by comparing prices once a year

The final tip is remarkably crucial, as we pointed out in the article above. Prices charged by auto insurers in West Virginia can be modified anytime, so don’t be unwilling to change insurance companies if a cheaper price is available.

Having a favorite company is fine, but it’s not recommended if that faithfulness ends up costing you thousands of dollars over several years. In less than five minutes you could shop around and find cheaper insurance for a Toyota RAV4.