Best Cheap Insurance Quotes for a Toyota RAV4 in Maine

When writing about auto insurance, the word “cheap” shouldn’t be used as a descriptor for auto insurance rates. It’s just a fact that cheap car insurance for a Toyota RAV4 can seem impossible to find. But don’t despair, because we can show you some ways you can still get coverage that is more budget-friendly.

Your odds of finding the best cheap insurance for a Toyota RAV4 in Maine hinges on a lot of different factors such as the mileage of your daily commute, whether you are claim-free, and if you have tickets or violations. Drivers pay an average rate of $680 each year to buy insurance for a Toyota RAV4, but that policy rate is an estimate using cost data for a 50-year-old single female that wants both comprehensive and collision coverage and $100 physical damage deductibles.

When estimating a car insurance rate like we just did, the issue is that you are not exactly 50 years old and possibly not even female, married instead of single, or maybe your RAV4 is an older model. Every driver’s needs are different, and that is why the best method for finding the cheapest insurance price for your Toyota is to compare rates from as many companies as possible.

Find Cheaper Toyota RAV4 Insurance

Table data assumes single female driver age 50, no speeding tickets, no at-fault accidents, $100 deductibles, and Maine minimum liability limits. Discounts applied include multi-vehicle, homeowner, multi-policy, claim-free, and safe-driver. Rates do not factor in garaging location in Maine which can impact price quotes greatly.

Determining which companies quote the best insurance rates for a Toyota RAV4 takes more work than just quoting one company’s rates.

Every car insurance company uses a little different formula for determining rates, so we need to take a look at the insurance companies with the most affordable rates in Maine. We do need to point out that Maine insurance rates are based on many factors that will increase or decrease your annual premium. Improving your credit rating, buying a different home, or having an at-fault accident may generate price changes resulting in some rates now being more affordable than the competition.

Best Insurance Companies for Your Toyota

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Travelers normally has some of the cheapest car insurance rates in Maine at around $606 a year. USAA, Vermont Mutual, Countryway Insurance, and Patriot also make the cut as some of the cheaper Maine car insurance companies.

As depicted above, if you buy coverage from USAA and switched to Travelers, you could realize yearly savings of around $16. Customers with Vermont Mutual might save as much as $87 a year, and Countryway Insurance policyholders might see rate reductions of $114 a year.

To find out how your current rates compare, click here to get a free quote or click through to the companies below.

Bear in mind that those estimates are averaged for all drivers and vehicles in Maine and are not factoring in a specific rate factor for a Toyota RAV4. So the car insurance company that is best suited for you may not even be included in the list above. That point stresses why you need to get rate quotes using your own personal information and vehicle type.

Discount Maine insurance

Insurance companies that offer the best cheap insurance for a Toyota RAV4 in Maine could also offer rate discounts that can lower rates by 40% or more if you are eligible to receive them. The best insurance companies and their possible discounts can be read below.

The diagram below shows the comparison of insurance premiums with and without policy discounts. The premiums assume a male driver, no violations or accidents, Maine state minimum liability limits, full coverage, and $500 deductibles.

The first bar for each age group shows the price with no discounts. The lower bar shows the rates with accident-free, safe-driver, multiple policy, multiple vehicle, homeowner, and defensive driving course discounts applied. In this example, the average amount saved each year on insurance for a Toyota RAV4 is 17% or $214.

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Find the best cheap insurance for a Toyota RAV4 in Maine

Below you’ll find some of the recommended penny-pinching ideas that can help Maine drivers get cheaper coverage.

• Increase your credit rating
• Vehicles with safetly features generally cost less to insure
• Higher physical damage deductibles lower rates
• Serious violations like DUI or careless driving can make car insurance unaffordable
• Avoid accidents
• Shop around and save

The final tip is extraordinarily necessary, as we emphasized in this article. Auto insurance prices in Maine can change significantly in a year, so don’t be hesitant to switch companies if you find a cheaper price. Many drivers prefer to stick with one company, but it’s not a great idea if that inflexibility results in costing you a lot of money. Take a few minutes and compare prices and find cheaper auto insurance for a Toyota RAV4.

Who has the cheapest Toyota RAV4 insurance quotes?

There are many different ways to quote insurance rates in Maine, but the most popular are through an exlusive agent like State Farm or Liberty Mutual, an independent insurance agent, or buying direct from a company like Progressive or Geico. You can use whichever you prefer, but they differ in how they provide rate quotes.

Independent agencies are appointed by several companies and can provide price quotes from each one. These types of agents have the freedom to provide you with more rate quotes, which can give you a better comparison. If premiums increase, they simply switch companies in-house without having to get a different agent.

A captive or exclusive agent is restricted to one company, two popular examples being State Farm and Auto-Owners agents. Exclusive agents cannot compare rates from other companies, so you will not be able to compare their rates to other companies.

Opting to purchase insurance direct means you forego an exlusive or independent agent and instead shop from a direct company like Geico or Esurance. Shopping direct is a good choice for drivers who have limited assets and have an above average understanding of what limits they need.

So which way is best to buy the best cheap insurance for a Toyota RAV4 in Maine? Our initial answer would be shopping direct results in the best prices since it doesn’t require paying agent commissions, but that is not always the case. We could also assume that buying insurance from an independent agent guarantees the cheapest rates due to having more companies to select from, but that’s not always true, either. In many circumstances, the exclusive agents have really good rates that other companies cannot beat.

Because of the variability of insurance rates, the best way to buy the cheapest coverage is to get quotes and compare. If time allows, get quotes from all three types to have the best selection of rates to choose from. For a list of companies with online discounts, click here to view.