Toyota Rav4 Insurance Rates in Santa Ana

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Do you get exhausted from scraping the payment together to pay your car insurance bill each month? You are no different than the majority of other people in California.

Discount Toyota Rav4 insuranceAstonishing but true according to a recent study, the vast majority of consumers have been with the same company for more than four years, and roughly 40% of drivers have never even shopped around for lower-cost coverage. Many consumers in Santa Ana can cut their rates by about 35% a year, but they don't know the large savings they would see if they moved their coverage to a different company.

How to buy discount Toyota Rav4 insurance in Santa Ana

If you want to save the most money, the best way to save on car insurance rates in Santa Ana is to annually compare prices from providers in California. You can shop around by following these steps.

  1. Try to comprehend how car insurance works and the modifications you can make to keep rates in check. Many rating criteria that result in higher rates like traffic violations and an unacceptable credit history can be improved by being financially responsible and driving safely. Later in this article we will cover more details to help prevent expensive coverage and find possible discounts that are available.
  2. Obtain price quotes from exclusive agents, independent agents, and direct providers. Direct and exclusive agents can only quote rates from a single company like GEICO and Allstate, while agents who are independent can quote rates from multiple companies. View companies
  3. Compare the new rates to the premium of your current policy and determine if cheaper Rav4 coverage is available in Santa Ana. If you find a better price and buy the policy, make sure coverage does not lapse between policies.
  4. Tell your current agent or company of your intent to cancel your current car insurance policy. Submit the application along with any required down payment to the newly selected company. As soon as you receive it, safely store the proof of insurance certificate along with the vehicle's registration papers.

A good tip to remember is to make sure you enter the same liability limits and deductibles on each price quote and and to compare as many companies as feasibly possible. Doing this helps ensure a level playing field and a complete selection of prices.

There are many insurers to pick from, and though it is a good thing to have a selection, it can be more difficult to compare rates for Toyota Rav4 insurance in Santa Ana.

Compare Santa Ana Toyota Rav4 insurance quotes online

Just remember that comparing more quotes will improve the odds of getting the best price.

The car insurance companies shown below are ready to provide comparison quotes in California. If more than one company is shown, it's highly recommended you visit two to three different companies to get a more complete price comparison.

Toyota Rav4 insurance statistics and information

The rate table shown below outlines estimates of insurance rates for Toyota Rav4 models. Having a good understanding how insurance rates are determined can be of help when making smart choices when comparing insurance rates.

Toyota Rav4 Insurance Rates in Santa Ana, CA
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
RAV4 2WD $292 $570 $416 $24 $124 $1,426 $119
RAV4 Sport 2WD $292 $570 $416 $24 $124 $1,426 $119
RAV4 4WD $292 $570 $416 $24 $124 $1,426 $119
RAV4 Limited 2WD $292 $570 $416 $24 $124 $1,426 $119
RAV4 Limited 4WD $292 $570 $416 $24 $124 $1,426 $119
RAV4 Limited 4WD $292 $570 $416 $24 $124 $1,426 $119
RAV4 Sport 4WD $292 $570 $416 $24 $124 $1,426 $119
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Prices based on married female driver age 50, no speeding tickets, no at-fault accidents, $100 deductibles, and California minimum liability limits. Discounts applied include homeowner, multi-policy, safe-driver, claim-free, and multi-vehicle. Price information does not factor in your specific Santa Ana location which can raise or lower premium rates noticeably.

Should you raise deductibles?

One of the more difficult decisions when buying insurance is how high should the deductibles for physical damage be. The tables below illustrate the cost difference when you select higher and lower deductibles. The first pricing table uses a $100 deductible and the second data table uses a $1,000 deductible.

Toyota Rav4 insurance premium rates with $100 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
RAV4 2WD $380 $686 $442 $26 $132 $1,691 $141
RAV4 Sport 2WD $380 $686 $442 $26 $132 $1,691 $141
RAV4 4WD $380 $686 $442 $26 $132 $1,691 $141
RAV4 Limited 2WD $380 $686 $442 $26 $132 $1,691 $141
RAV4 Limited 4WD $380 $686 $442 $26 $132 $1,691 $141
RAV4 Limited 4WD $380 $686 $442 $26 $132 $1,691 $141
RAV4 Sport 4WD $380 $686 $442 $26 $132 $1,691 $141
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Toyota Rav4 insurance premium rates with $1,000 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
RAV4 2WD $210 $362 $442 $26 $132 $1,172 $98
RAV4 Sport 2WD $210 $362 $442 $26 $132 $1,172 $98
RAV4 4WD $210 $362 $442 $26 $132 $1,172 $98
RAV4 Limited 2WD $210 $362 $442 $26 $132 $1,172 $98
RAV4 Limited 4WD $210 $362 $442 $26 $132 $1,172 $98
RAV4 Limited 4WD $210 $362 $442 $26 $132 $1,172 $98
RAV4 Sport 4WD $210 $362 $442 $26 $132 $1,172 $98
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Data assumes married male driver age 30, no speeding tickets, no at-fault accidents, and California minimum liability limits. Discounts applied include multi-policy, safe-driver, multi-vehicle, claim-free, and homeowner. Price estimates do not factor in the specific area where the vehicle is garaged which can raise or lower coverage prices significantly.

Based on this data, using a $100 deductible would cost the average driver about $43 more each month or $516 each year across all Toyota Rav4 models than quoting the higher $1,000 deductible. Because you would be required to pay $900 more to file a claim with a $1,000 deductible as compared to a $100 deductible, if you have at a minimum 21 months between claims, you would save money going with the higher deductible.

The chart below highlights how deductible choice and can increase or decrease Toyota Rav4 annual premium costs for each different age category. The rate quotes are based on a single male driver, full coverage, and no policy discounts are applied.

Rate increases following a ticket or accident

The illustration below highlights how traffic violations and accidents impact Toyota Rav4 auto insurance rates for each different age category. The rates are based on a married female driver, comprehensive and collision coverage, $1,000 deductibles, and no discounts are applied.

Rate comparison of male drivers versus female drivers

The information below illustrates the difference between Toyota Rav4 insurance premiums for male and female drivers. The rates are based on a clean driving record, no claims, full physical damage coverage, $1,000 deductibles, marital status is single, and no other discounts are factored in.

There's no such thing as the perfect car insurance policy

When choosing proper insurance coverage for your personal vehicles, there really is no "best" method to buy coverage. You are unique so this has to be addressed.Safe vehicles cost less to insure Here are some questions about coverages that can help discover if you could use an agent's help.

  • Am I covered when using my vehicle for business?
  • Am I covered when driving a rental car?
  • Should I have a commercial auto policy?
  • When does my teenage driver need to be added to my policy?
  • Is my ex-spouse still covered by my policy?
  • At what point should I drop full coverage?

If you can't answer these questions but a few of them apply then you might want to talk to an insurance agent. To find an agent in your area, take a second and complete this form or go to this page to view a list of companies.

Shop online but buy locally

Some consumers prefer to buy from a local agent and often times that is recommended One of the great benefits of getting online price quotes is that drivers can save money and get cheap car insurance quotes and also buy local. And buying from local insurance agencies is important particularly in Santa Ana.

Find insurance agent in Santa AnaAfter completing this short form, the quote information is emailed to participating agents in Santa Ana who can give free rate quotes for your insurance coverage. There is no reason to find an agent since rate quotes are delivered to your email. You'll get the best rates AND an agent nearby. If you have a need to get a rate quote from a specific insurance company, just search and find their rate quote page and give them your coverage information.

Two different types of auto insurance agents

When finding an insurance agent, it helps to know the two types of agencies and how they can write your policy. Car insurance agents in Santa Ana can be classified as either independent (non-exclusive) or exclusive.

Independent Car Insurance Agents (or Brokers)

Independent agents do not work for one specific company so they can insure your vehicles with lots of companies and find you the best rates. If your agent finds better pricing, the agent simply finds a different carrier which is easy for the insured. If you are comparing car insurance prices, you definitely need to check rates from several independent insurance agents in order to have the best price comparison.

Shown below are independent insurance agencies in Santa Ana that can give you free car insurance quotes.

1820 E First St #500 - Santa Ana, CA 92705 - (714) 569-2700 - View Map

Ayala's Insurance
2020 N Grand Ave #107 - Santa Ana, CA 92705 - (714) 210-5770 - View Map

Mural Insurance Agency
1202 17th St #103 - Santa Ana, CA 92701 - (714) 541-1003 - View Map

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Exclusive Agencies

Agents that elect to be exclusive generally can only insure with one company like Allstate, State Farm and Farmers Insurance. These agents are not able to provide other company's prices so they are skilled at selling on more than just price. Exclusive agents are highly trained on their company's products which aids in selling service over price.

Shown below is a short list of exclusive agencies in Santa Ana that are able to give price quote information.

2017 N Main St - Santa Ana, CA 92706 - (714) 515-8062 - View Map

Aidee Lopez - State Farm Insurance Agent
3750 W McFadden Ave e - Santa Ana, CA 92704 - (714) 775-3090 - View Map

3740 S Bristol St - Santa Ana, CA 92704 - (714) 966-2679 - View Map

More insurance agents

Finding a good insurance agency is decision based upon more than just the premium amount. Some important questions to ask are:

  • How experienced are they in personal risk management?
  • Do they have designations such as AIC, CPCU, or CIC?
  • Can you choose the body shop in case repairs are needed?
  • Are they paid to recommend certain coverages?
  • Does the agency support the community they serve?

After getting good feedback to any questions you may have and a low price estimate, you've probably found an auto insurance agent that is professional and can properly insure your vehicles. Keep in mind it's your policy and you can cancel coverage whenever you want so never feel you're contractually obligated to a specific agent with no way out.

Which auto insurance company is best in California?

Choosing a good quality car insurance company can be rather challenging considering how many companies sell insurance in Santa Ana. The rank data below may help you pick which insurers you want to consider shopping your coverage with.

Santa Ana, California Auto Insurance Company Rankings
Company Value Customer Service Claims Customer Satisfaction A.M Best Rating Overall Score
USAA 98 100 100 94% A++ 98.6
American Family 98 89 100 86% A 95.4
AAA of Southern California 91 94 97 92% A+ 94.1
State Farm 88 93 96 90% A++ 92.4
The Hartford 94 92 90 89% A+ 91.7
AAA Insurance 88 89 95 91% A 91.2
GEICO 84 93 93 89% A++ 90.3
The General 89 91 89 88% A- 90
Titan Insurance 90 87 91 95% A+ 89.6
Progressive 84 91 93 87% A+ 89.5
Mercury Insurance 88 91 90 85% A+ 89.4
Allstate 85 90 92 88% A+ 89.3
Nationwide 87 88 84 90% A+ 88.7
Liberty Mutual 84 87 93 88% A 88.5
21st Century 85 86 87 88% A 86.7
Esurance 85 80 95 87% A+ 85.9
Safeco 85 85 85 86% A 85.8
Travelers 80 87 87 83% A++ 85.2
Farmers Insurance 78 87 88 79% A 84.3
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Data Source: Best Car Insurance Companies