Who Has Cheap Car Insurance for a Toyota RAV4 in Fort Wayne?

Buying competitive coverage for a Toyota RAV4 in Indiana is dependent upon a lot of rating factors such as your birth date, where you live, and citations or violations on your driving record. Drivers pay on average $774 a year for RAV4 insurance, but that figure is an approximation based upon a 40-year-old single female driver with both comprehensive and collision coverage and $1,000 deductibles.

But there is a high probability that you aren’t exactly 40 years old or even a female, you might be married instead of single, or maybe you don’t qualify for the same discounts. Car insurance coverage is unique to each driver, so this is why the best method for finding the cheapest coverage for your Toyota is to do a thorough rate comparison. Get your free quotes now and you can get prices from top-rated car insurance companies in Indiana.

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Toyota RAV4 Insurance Rates in Fort Wayne, IN
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
RAV4 2WD $128 $260 $364 $22 $110 $884 $74
RAV4 Sport 2WD $128 $260 $364 $22 $110 $884 $74
RAV4 4WD $128 $260 $364 $22 $110 $884 $74
RAV4 Limited 2WD $128 $260 $364 $22 $110 $884 $74
RAV4 Limited 4WD $128 $260 $364 $22 $110 $884 $74
RAV4 Limited 4WD $128 $260 $364 $22 $110 $884 $74
RAV4 Sport 4WD $128 $260 $364 $22 $110 $884 $74
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Cost estimates assume single female driver age 40, no speeding tickets, no at-fault accidents, $1000 deductibles, and Indiana minimum liability limits. Discounts applied include claim-free, multi-vehicle, homeowner, multi-policy, and safe-driver. Estimates do not factor in Fort Wayne location which can revise coverage prices considerably.

Ending up with a good quality insurer can be a challenge considering how many choices drivers have in Indiana. The rank data in the lists below can help you analyze which coverage providers you want to consider purchasing a policy from. The ratings below include large, nationwide insurance companies, so companies with more of a regional focus are not factored into these rankings.

Top 15 Insurance Companies for a Toyota RAV4 in Fort Wayne, IN
Company Value Customer Service Claims Customer Satisfaction A.M Best Rating Overall Score
USAA 99 100 90 92% A++ 97.4
21st Century 89 86 100 88% A 92.7
GEICO 97 91 88 85% A++ 92.5
Nationwide 88 94 91 88% A+ 91.3
AAA Insurance 93 87 88 87% A 90.8
Liberty Mutual 91 91 92 87% A 90.7
Safeco Insurance 90 93 88 86% A 90.2
State Farm 91 94 80 88% A++ 90.2
Travelers 89 91 94 79% A++ 90.1
American Family 88 92 83 88% A 89.4
Titan Insurance 89 91 83 86% A+ 89.3
Allstate 90 90 84 85% A+ 89.1
Progressive 83 85 99 87% A+ 88.7
Erie Insurance 92 90 82 88% A+ 88.5
The Hartford 87 89 84 87% A+ 88
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Data Source: Insure.com Best Car Insurance Companies

Impact of violations and accidents on rates

One of the best ways to get the most affordable insurance premiums in Indiana for a RAV4 is to drive cautiously and avoid at-fault accidents and violations. The illustration below demonstrates how traffic citations and fender-benders raise insurance costs for different categories of driver ages. The data assumes a single male driver, comprehensive and collision coverage, $100 deductibles, and no discounts are factored in.

In the previous example, the average cost of a car insurance policy in Fort Wayne per year with no accidents or violations is $1,914. Get written up for two speeding tickets and the average cost jumps to $2,540, an increase of $626 each year. Then include one accident along with the two speeding tickets and the annual cost of insurance for a Toyota RAV4 jumps again to an average of $3,171. That’s an increase of $1,257, or $105 per month, just for not driving responsibly!

Do you need full coverage?

Finding cheaper insurance is the goal of the majority of people, and an effective way to save on the cost of insurance for a Toyota RAV4 is to only buy liability insurance. The illustration below shows the comparison of annual premium costs when comparing full coverage to liability only. Data assumes a clean driving record, no claims, $250 deductibles, drivers are not married, and no additional discounts are factored in.

If we average the cost for ages 20 through 70, physical damage coverage on your policy costs an extra $1,752 per year more than insuring for liability only. Many drivers may wonder when is it safe to stop buying full coverage. There is no definitive guideline to stop paying for comp and collision coverage, but there is a general guideline. If the annual cost of having full coverage is about 10% or more of the vehicle’s replacement cost less your deductible, then you may want to consider only buying liability coverage.

For example, let’s assume your vehicle’s book value is $4,000 and you have $1,000 deductibles. If your vehicle is totaled, you would only receive $3,000 after the policy deductible has been paid. If premium cost is more than $300 a year for full coverage, then you might want to think about dropping full coverage.

A good deal can quickly turn bad

Fort Wayne, IN insurance rates are impacted by many things which can substantially decrease or increase the cost of a policy. Improving your credit score, buying a home, or getting a driving violation may generate price changes that can now make some companies more affordable than competitors.

Not only may your risk profile change, but insurers file new Indiana car insurance rates every year or even multiple times each year in order to maintain liquidity for claims. Significantly higher claims can result in price increases, while a better loss history can produce lower-priced RAV4 insurance rates.

For example, the graph below shows the companies that have the cheapest car insurance in Fort Wayne, IN for a 35-year-old male driver with no accidents, a clean driving record, and good credit. If we estimate prices based on his current risk factors, Travelers quotes the cheapest car insurance rates in Fort Wayne at $621 per year. This is $619 less than the average price paid by Indiana drivers of $1,240. USAA, Cincinnati Insurance, Erie, and Western Reserve are the remainder of the cheapest Fort Wayne, IN auto insurance companies.

Now we will pretend the driver in the first chart a couple of claims, less-than-perfect credit, and a few traffic violations. Because each insurer has their own guidelines for determining rates in each state, analyzing rates could now result in a different set of the cheapest car insurance companies in Fort Wayne as shown below.

The Hartford now has the best price in Fort Wayne with Auto-Owners, Cincinnati Insurance, Utica National, and Motorists Mutual now rounding out the top five. This example proves why consumers need to take the time to shop around with many companies when trying to get affordable insurance rates for a Toyota RAV4.

Car insurance prices can be determined by many different factors and can change without notice, so the most economical option two years ago may now be quite expensive.

How to find cheaper insurance for a Toyota RAV4

The list below summarizes a few money-saving solutions that can help you find lower-cost car insurance.

That last tip is remarkably vital, as was pointed out in the article above. Insurance rates fluctuate considerably, so don’t be afraid to change to a new company if a cheaper rate is available.

Having a favorite company is great, but is isn’t recommended if that faithfulness ends up costing you a considerable chunk of change every month. Take a couple minutes and shop around and find cheaper car insurance for a Toyota RAV4 in Fort Wayne.

The Fort Wayne, IN, insurance agents below can most likely provide answers to your questions and help you determine which insurance coverage you need, as many consumers aren’t sure which coverage to buy and prefer to have the advice of a professional agent when trying to find lower insurance rates for a RAV4. It can be hard to find the cheapest car insurance policy, so agents can bring satisfaction knowing your coverage gives you decent coverage if you have a claim. To locate a Fort Wayne auto insurance agent closest to you, click the button following the list.

Farmers Insurance – Larry Elliott
7529 W Jefferson BlvdFort Wayne, IN 46804(260) 434-1952

Northern Insurance
7113 W Jefferson BlvdFort Wayne, IN 46804(260) 969-5613

Allstate Insurance: Merle K. Maples
3017 E State BlvdFort Wayne, IN 46805(260) 483-6583

Stewart Brimner Group
3702 Rupp DrFort Wayne, IN 46815(260) 482-6900

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