Cheapest Insurance for a Toyota RAV4 in New Hampshire

When discussing auto insurance, the word affordable should never be used anywhere in the article to describe car insurance prices. It’s just a fact that cheap car insurance for a Toyota RAV4 is not easy to find. But don’t let that discourage you, because we will teach you how you can still get coverage that is easy on your budget.

Your odds of finding the cheapest auto insurance for a Toyota RAV4 in New Hampshire is dependent upon a complex equation that considers factors such as whether you own a home, whether or not you have had gaps between policies, and if your driving record shows any at-fault accidents. New Hampshire drivers on average pay approximately $690 a year to insure a RAV4, but that policy rate is based on rates for a 50-year-old married male that included full coverage and $100 deductibles.

There is a high probability that you are not a 50-year-old male, single instead of married, or maybe you have a violation on your driving record. Making minor changes in quote information can precipitate large changes in rate quotes.

Auto insurance is not the same for everyone, so the best way to quote the cheapest insurance price for your Toyota is to put in the effort and compare rates.

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Data assumes married male driver age 50, no speeding tickets, no at-fault accidents, $100 deductibles, and New Hampshire minimum liability limits. Discounts applied include multi-vehicle, homeowner, multi-policy, claim-free, and safe-driver. Information does not factor in specific garaging location which can decrease or increase insurance rates significantly.

Trying to find cheap auto insurance is easier said than done, and figuring out which company has the most affordable auto insurance rates for a Toyota RAV4 calls for even more diligence. Each insurer uses their own formula to set policy rates, so let’s take a look at the auto insurance companies with the overall cheapest rates in New Hampshire.

It’s important that you understand New Hampshire auto insurance rates are determined by lots of factors that may substantially change the policy premium. This price variability is why it is so important to compare as many rates as possible to find the most economical car insurance rates for a Toyota RAV4. Prices can be altered by many risk factors and can increase or decrease at any time, so the cheapest option two years ago may now be wasting a lot of money.

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Concord offers some of the most affordable car insurance rates in New Hampshire at around $684 a year. Travelers, Patriot, USAA, and Vermont Mutual also make the cut as some of the most economical New Hampshire car insurance companies.

As the rates illustrate above, if you are insured with Travelers and switched to Concord, you might see an annual premium reduction of around $18. Insureds with Patriot could save as much as $136 a year, and USAA policyholders might realize rate reductions of up to $136 a year.

To see if your current coverage is too expensive, click here to start a quote or visit any of the companies below.

Be aware that those rates are averages for all types of insureds and vehicles and do not take into consideration a specific rating modification for a Toyota RAV4. So the company that has the cheapest rates for you may not even be featured in the list of companies shown earlier. That’s why you need to get car insurance quotes using your own individual information.

Bad driving habits will cost you more

A great way to receive cheap auto insurance prices in New Hampshire for a RAV4 is to drive carefully and avoid accidents and traffic citations. The example below shows how speeding tickets and accidents increase insurance prices for different insured age categories. The premium estimates are based on a single male driver, comprehensive and collision coverage, $1,000 deductibles, and no discounts are factored in.

google.charts.setOnLoadCallback(drawVioqcibChart);function drawVioqcibChart() {var data = google.visualization.arrayToDataTable([[‘Age of Insured’, ‘No Violations or Accidents’, ‘Two Speeding Tickets and No Accidents’, ‘Two Speeding Tickets and Two Accidents’],[‘Age 20’, 2011,2385,3939],[‘Age 30’, 1061,1435,2993],[‘Age 40’, 1035,1405,2963],[‘Age 50’, 947,1321,2879],[‘Age 60’, 921,1293,2849],[‘Age 70’, 1145,1515,3073]]);var options = {title: ‘Impact of Tickets and Accidents on New Hampshire Toyota RAV4 Insurance’,titleTextStyle: {color: ‘#333’, fontSize: 17, bold: true},width: ‘100%’,height: 600,’chartArea’: {left:100,top:50,’width’: ‘100%’, ‘height’: ‘70%’},legend: {position: ‘bottom’,textStyle: {fontSize: 12}},colors:[‘#b2da64′,’#eed355′,’#e39e71’],hAxis: {title: ‘Annual Insurance Cost for a Toyota RAV4 in New Hampshire’,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);formatter.format(data,3);var chart = new google.visualization.BarChart(document.getElementById(‘qcibvio’));chart.draw(data, options);}

The data charted above shows the average cost of auto insurance per year with no accidents or violations is $1,187. Get two speeding tickets and the average cost surges to $1,559, an increase of $372 each year. Next add two accidents along with the two speeding tickets and the 12-month cost of auto insurance for a Toyota RAV4 jumps again to an average of $3,116. That’s an increase of $1,929, or $161 per month, just for not driving attentively!

Get discounts on New Hampshire car insurance rates

Insurers that provide the cheapest insurance for a Toyota RAV4 in New Hampshire could also offer special discounts that could potentially reduce rates by as much as 35% or more if you meet specific eligibility requirements. A few of the larger companies and a summarized list of policyholder discounts are shown below.

• Mercury Insurance offers discounts including low natural disaster claims, annual mileage, multi-car, good student, and anti-theft.
• Farmers Insurance includes discounts for good student, homeowner, alternative fuel, bundle discounts, early shopping, and distant student.
• Farm Bureau discounts include youthful driver, multi-policy, renewal discount, multi-vehicle, driver training, 55 and retired, and safe driver.
• State Farm may offer discounts for passive restraint, accident-free, multiple policy, safe vehicle, and student away at school.
• Allstate has savings for early signing, premier discount, economy car, premier plus, resident student, passive restraint, and good student.
• GEICO offers premium reductions for good student, five-year accident-free, multi-vehicle, military active duty, and anti-theft.

The illustration below visualizes the comparison of yearly insurance costs with and without policy discounts. The data is based on a male driver, no claims or violations, New Hampshire state minimum liability limits, full coverage, and $500 deductibles.

The first bar for each age group shows the average annual price with no discounts. The second bar shows the rates with accident-free, homeowner, passive restraint, claim-free, marriage, and defensive driving course discounts applied. In this example, the the average amount saved on auto insurance for a Toyota RAV4 is 28% or $368.

google.charts.setOnLoadCallback(drawDiscqcibChart);function drawDiscqcibChart() {var data = google.visualization.arrayToDataTable([[‘Age of Insured’, ‘Male Driver No Discounts’, ‘Male Driver with Discounts’],[‘Age 20’, 2265,1629],[‘Age 30’, 1191,867],[‘Age 40’, 1169,847],[‘Age 50’, 1065,773],[‘Age 60’, 1035,751],[‘Age 70’, 1269,917]]);var options = {title: ‘Comparison of Insurance Rates 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: [‘#6791b9’, ‘#98bee2’],hAxis: {title: ‘Annual Insurance Cost for a Toyota RAV4 in New Hampshire’,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);}

Tips to find the cheapest car insurance for a Toyota RAV4

The list below summarizes some of the better penny-pinching suggestions that can help New Hampshire drivers get cheaper car insurance.

• Maintain a safe distance and avoid accidents
• Be a cautious driver
• Avoid filing excessive claims
• Full coverage is expensive so only insure older vehicles for liability only
• Increase your deductibles
• Compare prices as often as possible

That last piece of advice is very significant, as was discussed in the prior article. Prices charged by auto insurers change constantly, so don’t be afraid to buy a different policy if you can save money.

Loyalty to a specific company is fine, but it’s not a great idea if that faithfulness ends up costing you hundreds every year. Take a few minutes and shop around to find cheaper insurance for a Toyota RAV4.