Cheapest Insurance for a Toyota RAV4 in Montana

Whenever people write about auto insurance, the word affordable should not appear anywhere in the article to describe car insurance rates. Regardless, cheap auto insurance for a Toyota RAV4 can be hard, if not impossible, to find. But don’t despair, because we are going to show you how you can still find and buy auto insurance that is cheaper than what you have now.

Buying the cheapest car insurance for a Toyota RAV4 in Montana relies on a complex calculation that is influenced by things such as if you own your home, whether or not you are currently insured, and deductible levels for physical damage coverage. Montana drivers pay an average rate of $1,710 a year to insure a RAV4, but that price is using a 30-year-old single female driver that purchased full comprehensive and collision coverage and $1,000 deductibles.

When making auto insurance estimates, the issue arises that you are not 30 and possibly not even female, married instead of single, or maybe your RAV4 is old enough that it doesn’t require full coverage. Just a minor change in rating variables can lead to a significant difference in the coverage rate.

Auto insurance is unique to every driver, so the best method for finding cheap car insurance rates for your Toyota is to make a habit of comparing prices at least once a year.

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Premium data assumes single female driver age 30, no speeding tickets, no at-fault accidents, $1000 deductibles, and Montana minimum liability limits. Discounts applied include multi-vehicle, safe-driver, homeowner, claim-free, and multi-policy. Information does not factor in zip code location which can lower or raise premium rates substantially.

Shopping around for low-cost auto insurance is challenging, and finding out which companies quote the most affordable auto insurance rates for a Toyota RAV4 will take a little more work.

Each auto insurer has their own formula for filing rates in each state, so we need to take a look at the lowest cost auto insurance companies in Montana. Keep in mind that Montana auto insurance rates are calculated based on many things which can substantially change the price you have to pay for coverage. That is why it is important to compare lots of rates to get the most economical car insurance rates for a Toyota RAV4. Prices are influenced by many different factors and can change without notice, so the best price six months ago may now cost much more than other companies.

Cheap Insurance Rates for Your Toyota

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Safeco may have some of the cheapest car insurance rates in Montana at around $828 a year. Progressive, USAA, State Farm, and MetLife also make the cut as some of the best Montana insurance companies.

In the rate table above, if you are currently insured with MetLife and switched to Progressive, you could see annual savings of in the vicinity of $215. Montana drivers with National Farmers Union could save as much as $257 a year, and Allied insureds might lower prices by $325 a year.

To compare your rates to other Montana insurance companies, click here to start a quote or visit any of the low-priced companies below.

Remember that these estimates are averages for all drivers and vehicles in Montana and and are not calculated with a specific rate value for a Toyota RAV4. So the company that fits your situation best may not even be featured in the chart above. That helps illustrate why you need to compare rates from as many companies as possible using your own specific driver information and vehicle.

The illustration below highlights how deductible choice can change premium costs when getting quotes for cheap insurance for a Toyota RAV4. Data assumes a married female driver, full physical damage coverage, and no other discounts are factored in.

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The data above shows that a 50-year-old driver could cut expenses by $474 a year by switching the physical damage coverage from a $100 deductible to a $500 deductible, or save $716 by switching to a $1,000 deductible. Younger drivers, like the 20-year-old category, could roll back prices as much as $1,174 each year by using a higher deductible.

If you make the decision to raise deductibles, it will be necessary to have enough spare savings to satisfy the extra out-of-pocket expense. This is the primary disadvantage of choosing high deductibles.

Discounts on the cheapest insurance for a Toyota RAV4 in Montana

Insurance providers that offer coverage for a Toyota RAV4 may also offer discounts that could potentially reduce rates by 35% or more if you qualify for them. A list of auto insurance companies and their possible discounts can be read below.

The information below illustrates the comparison of insurance costs with and without discounts applied. The information is based on a female driver, a clean driving record, no claims, Montana state minimum liability limits, full coverage, and $250 deductibles. The first bar for each age group shows the average annual price with no discounts. The second shows the rates with safe-driver, passive restraint, homeowner, accident-free, anti-theft, and defensive driving course discounts applied. When these discounts are applied to the policy premium, the average amount saved each year on auto insurance for a Toyota RAV4 is 13% or $256.

google.charts.setOnLoadCallback(drawDiscqcibChart);function drawDiscqcibChart() {var data = google.visualization.arrayToDataTable([[‘Age of Insured’, ‘Female Driver No Discounts’, ‘Female Driver with Discounts’],[‘Age 20’, 5037,3623],[‘Age 30’, 3473,2513],[‘Age 40’, 3223,2331],[‘Age 50’, 2817,2039],[‘Age 60’, 2723,1969],[‘Age 70’, 3179,2289]]);var options = {title: ‘Insurance Premium Comparison 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’,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);}

How to get the cheapest insurance for a Toyota RAV4 in Montana

It’s not impossible to find cheaper rates, and here are some of the recommended penny-pinching suggestions that can help drivers find more affordable auto insurance.

• Improve your credit rating
• Choose a safer vehicle and pay lower rates
• Being accident-free can lower rates significantly
• Increase your comprehensive and collision deductibles
• Violations and traffic tickets increase rates
• Shop around for lower rates once a year

The last tip in the list is extraordinarily significant, as we discussed in the prior information. Insurance prices change frequently, so drivers shouldn’t be reluctant to buy a policy from a new company if a more affordable price is available.

Being loyal to a particular company is commendable, but it’s not a great idea if that loyalty ends up costing potentially thousands of dollars a year. It only takes a couple minutes to compare rates and find cheaper auto insurance for a Toyota RAV4.

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

When shopping for car insurance, the companies that insure more vehicles than anyone else are State Farm, Progressive, Allstate, and Geico. All of them have a slightly different set of options and discounts that add value to each policy. The following table rates pricing and service ratings, plus some optional coverages that are available.