Car Insurance Rate Quotes for a Toyota Rav4 in Oakland

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Toyota Rav4 insurance cost
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A recent study showed that nearly 70% of drivers have remained with the same auto insurance company for more than four years, and almost half have never quoted rates to find lower-cost coverage. The average driver in California could save themselves 35% a year by just comparing rate quotes, but they don't know how much money they would save if they replace their high priced policy.

Insurance rates Toyota Rav4 in OaklandTo save the most money, the best way to get more affordable Toyota Rav4 insurance is to start doing an annual price comparison from different companies in Oakland. Prices can be compared by completing these steps.

  1. Read about coverages and the measures you can control to prevent expensive coverage. Many things that result in higher rates like careless driving and poor credit history can be controlled by making minor changes in your lifestyle.
  2. Compare prices from independent agents, exclusive agents, and direct companies. Exclusive agents and direct companies can provide rates from one company like Progressive or Allstate, while independent agencies can provide price quotes from multiple companies. Get quotes now
  3. Compare the price quotes to your current policy and see if you can save money. If you find a lower rate, verify that coverage does not lapse between policies.
  4. Provide notification to your current company of your decision to cancel your current coverage. Submit a completed application and payment to the newly selected company. As soon as you have the new policy, keep your new certificate verifying coverage above your visor, in the console, or in the glove compartment.

One key aspect when comparing rates is to compare identical limits and deductibles on each quote and and to compare as many different companies as possible. This helps ensure a fair rate comparison and the best price selection.

Low Cost companies for Toyota Rav4 insurance

The following companies are ready to provide price quotes in Oakland, CA. If you wish to find cheap auto insurance in Oakland, we suggest you visit as many as you can to get the most competitive price.

Insurance statistics for a Toyota Rav4

The data table shown below showcases a range of insurance premium costs for Toyota Rav4 models. Understanding how insurance rates are determined can be of help when making decisions on the best policy coverages.

Toyota Rav4 Insurance Rates in Oakland, CA
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
RAV4 2WD $292 $570 $416 $24 $124 $1,426 $119
RAV4 2WD $292 $570 $416 $24 $124 $1,426 $119
RAV4 2WD $292 $570 $416 $24 $124 $1,426 $119
RAV4 4WD $292 $570 $416 $24 $124 $1,426 $119
RAV4 4WD $292 $570 $416 $24 $124 $1,426 $119
RAV4 Sport 2WD $292 $570 $416 $24 $124 $1,426 $119
RAV4 Sport 2WD $292 $570 $416 $24 $124 $1,426 $119
RAV4 Limited 4WD $292 $570 $416 $24 $124 $1,426 $119
RAV4 Limited 2WD $292 $570 $416 $24 $124 $1,426 $119
RAV4 Limited 2WD $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 Sport 4WD $292 $570 $416 $24 $124 $1,426 $119
RAV4 Sport 4WD $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 Limited 2WD $292 $570 $416 $24 $124 $1,426 $119
Get Your Own Custom Quote Go

Prices above based on married female driver age 50, no speeding tickets, no at-fault accidents, $100 deductibles, and California minimum liability limits. Discounts applied include multi-policy, claim-free, multi-vehicle, safe-driver, and homeowner. Information does not factor in specific garaging location which can affect auto insurance rates significantly.

The illustration below demonstrates how choosing different deductibles and can affect Toyota Rav4 insurance prices for different insured age categories. The costs are based on a single male driver, full coverage, and no other discounts are factored in.

Rate comparison of men versus women in Oakland

The illustration below illustrates the difference between Toyota Rav4 auto insurance rates for male and female drivers. The rates are based on no claims or driving citations, full physical damage coverage, $500 deductibles, drivers are single, and no discounts are applied.

Discounts mean cheaper rates for Toyota Rav4 insurance in Oakland

Insuring your fleet can be pricey, but there could be available discounts to help bring down the price. Some of these discounts will be visible at the time of purchase, but some must be manually applied before you will receive the discount.Save money with discounts

  • Save with a New Car - Insuring a new Rav4 can save you some money because new model year vehicles keep occupants safer.
  • Discounts for Seat Belt Usage - Drivers who require all vehicle occupants to use a seat belt can save a little on the medical payments or PIP coverage costs.
  • Professional Organizations - Being a member of specific professional or occupational memberships or organizations could trigger savings on your next renewal.
  • Fewer Miles Equal More Savings - Keeping the miles down on your Toyota may enable drivers to earn lower prices due to less chance of an accident.
  • Smart Student Discounts - Performing well in school may save as much as 25% on a Oakland auto insurance quote. You can use this discount normally up until you turn 25.
  • Student Discount for Driver Training - Make teen driver coverage more affordable by requiring them to participate in a local driver's education class if offered at their school.
  • ABS Brakes - Vehicles with anti-lock braking systems are much safer to drive so companies give up to a 10% discount.
  • First Accident Forgiveness - Not really a discount, but a few companies such as GEICO, State Farm, and Progressive will allow you to have one accident without getting socked with a rate hike as long as you don't have any claims prior to being involved in the accident.
  • Passenger Safety Discount - Vehicles equipped with air bags or motorized seat belts may get savings of up to 25% or more.

Please keep in mind that many deductions do not apply to the entire policy premium. Some only reduce the cost of specific coverages such as liability and collision coverage. Just because it seems like it's possible to get free car insurance, car insurance companies aren't that generous. But any discount will help reduce the amount you pay for coverage.

The chart below compares Toyota Rav4 car insurance rates with and without discounts being applied to the rates. The costs are based on a male driver, a clean driving record, no claims, California state minimum liability limits, comp and collision included, and $500 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with claim-free, safe-driver, multi-policy, marriage, multi-car, and homeowner discounts applied.

A few popular companies and some of their more popular discounts include:

  • Farm Bureau includes discounts for safe driver, 55 and retired, good student, driver training, youthful driver, and renewal discount.
  • State Farm may offer discounts for good student, multiple policy, driver's education, Steer Clear safe driver discount, passive restraint, and good driver.
  • Progressive has discounts for online signing, good student, homeowner, online quote discount, and multi-vehicle.
  • Allstate may have discounts that include senior citizen, EZ pay plan discount, auto/life discount, utility vehicle, and 55 and retired.
  • Nationwide discounts include business or organization, family plan, anti-theft, Farm Bureau membership, and easy pay.
  • MetLife has savings for accident-free, claim-free, good student, defensive driver, multi-policy, and good driver.

It's a good idea to ask each company or agent to give you their best rates. Savings might not be available to policyholders in Oakland. To choose providers that offer multiple discounts in California, click here.

Choices You Make Can Impact Your Insurance Premiums

The best way to find cheaper car insurance is to take a look at a few of the rating criteria that help calculate the level of your policy premiums. When consumers understand what controls the rates you pay, this empowers consumers to make smart changes that may result in lower premium levels.

The following are some of the most rate-impacting factors car insurance companies consider when setting your rates.

Discounts for theft deterrents - Selecting a car model that has an advanced theft prevention system can help lower your rates. Systems that thwart thieves such as tamper alarm systems, vehicle immobilizer technology and General Motors OnStar can help prevent car theft.

Higher comp and collision deductibles are cheaper - Coverage for physical damage, also known as collision and other-than-collision, is used to repair damage to your vehicle. Some instances where coverage would apply could be running into the backend of another car, collision with an animal, and windstorm damage. The deductibles are how much the insured will be required to pay if a claim is determined to be covered. The more damage repair cost you're willing to pay, the bigger discount you will receive.

How credit rating affects car insurance costs - An insured's credit rating will be a significant factor in calculating your car insurance rates. Consumers who have excellent credit tend to be better risks to insure as compared to drivers with lower ratings. Therefore, if your credit rating is not that good, you may save money insuring your Toyota Rav4 by improving your rating.

Car insurance rates and your job - Did you know your career choice can influence rates? Occupational choices like real estate brokers, police officers, and miners are shown to have higher rates than the rest of us in part from high stress levels and long work days. Other professions such as professors, engineers and performers pay lower than average rates.

Do safer cars cost less to insure? - Cars with high safety ratings tend to be cheaper to insure. Highly rated vehicles help reduce the chance of injuries in an accident and any reduction in injury severity means less claims paid and cheaper rates on your policy. If your Toyota Rav4 is rated at least four stars on you may be receiving a better rate.

Special considerations

When it comes to the best auto insurance coverage for your personal vehicles, there is no cookie cutter policy. Everyone's situation is unique.Drive safe and save

These are some specific questions can help discover whether or not you may require specific advice.

  • Will damage be repaired with OEM parts?
  • Can I get a multi-policy discount for packaging my home and auto coverage?
  • What if a claim settlement is too low?
  • Why am I required to buy high-risk coverage?
  • Why am I required to buy liability insurance?
  • What is an umbrella policy?
  • Who is covered when they drive my Toyota Rav4?
  • When can my company non-renew my policy?
  • Does my insurance cover damage caused when ticketed for reckless driving?

If you don't know the answers to these questions but a few of them apply then you might want to talk to a licensed agent. To find an agent in your area, simply complete this short form. It's fast, free and you can get the answers you need.

When should I have guidance from an insurance agency?

Some consumers would rather sit down and talk to an agent and doing so can bring peace of mind Licensed agents can answer important questions and help file insurance claims. One of the best bonuses of comparing rate quotes online is you can get cheap insurance rates and still choose a local agent. And buying from neighborhood insurance agencies is still important in Oakland.

Insurance agency in OaklandTo make it easy to find an agent, after completing this simple form, your coverage information is transmitted to participating agents in Oakland who can give free rate quotes for your insurance coverage. You won't even need to visit any agencies since rate quotes are delivered immediately to you. If you need to get a price quote for a specific company, feel free to visit that company's website to submit a rate quote request.

Auto insurance agents in Oakland come in two varieties

If you are searching for a good insurance agency, you should know the different types of agencies from which to choose. Agents in Oakland can either be exclusive agents or independent agents. Either one can sell affordable insurance policies, but it's worth learning the difference in how they write coverage since it may influence buying decisions.

Independent Insurance Agents

Agents that elect to be independent are not limited to a single company so they can write business with any number of different companies and get you the best rates possible. If your agent finds better pricing, the agent simply finds a different carrier and you don't have to find a new agent.

When comparing rate quotes, you will definitely want to include rate quotes from at least one independent agent to get the most accurate price comparison.

Below are independent agents in Oakland that may be able to give you competitive price quotes.

440 Grand Ave #450 - Oakland, CA 94610 - (510) 251-3800 - View Map

On My Way Insurance
320 10th St - Oakland, CA 94607 - (510) 893-3298 - View Map

1942 Embarcadero - Oakland, CA 94606 - (510) 437-1900 - View Map

View more Oakland agents

Exclusive Insurance Agencies

Exclusive agencies write business for a single company like Allstate, Farmers Insurance, State Farm, and AAA. They are unable to shop your coverage around so they have to upsell other benefits. Exclusive agents are well schooled on their company's products which helps them sell on service rather than price.

Listed below is a list of exclusive insurance agents in Oakland that can give you rate quotes.

1324 Fruitvale Ave - Oakland, CA 94601 - (510) 436-6900 - View Map

Rich Kirchner - State Farm Insurance Agent
5736 Thornhill Dr Ste 101 - Oakland, CA 94611 - (510) 339-9340 - View Map

3301 E 12th St Suite 113 - Oakland, CA 94601 - (510) 533-8107 - View Map

View more Oakland agents

Finding the right car insurance agent shouldn't rely on just a cheap price. You should also get answers to these questions.

  • How many years of experience in personal auto insurance do they have?
  • Are there any discounts for paying up front?
  • If your car is totaled, how to they determine the replacement cost?
  • Where would glass claims be handled in Oakland?
  • Will vehicle repairs be made with aftermarket parts or OEM replacement parts?
  • Can they provide you with a list of referrals?
  • If you have an accident, are you able to get your vehicle repaired at the shop of your choice?
  • Who are their largest clients?

A little work can save a LOT of money

In this article, we covered quite a bit of information on how to lower your Toyota Rav4 insurance premium rates in Oakland. The key concept to understand is the more price quotes you have, the higher the chance of saving money. You may even discover the lowest priced car insurance comes from the smaller companies.

As you go through the steps to switch your coverage, make sure you don't buy poor coverage just to save money. There are a lot of situations where an insured cut comprehensive coverage or liability limits only to discover later that a couple dollars of savings turned into a financial nightmare. The ultimate goal is to find the BEST coverage at an affordable rate but still have enough coverage for asset protection.

Drivers leave their current company for any number of reasons including delays in paying claims, being labeled a high risk driver, high prices or questionable increases in premium. Regardless of your reason, choosing a new company is pretty simple and you could end up saving a buck or two.

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