Want to know how to find low-cost Toyota Rav4 insurance in Houston? If you’re looking for more affordable insurance on the web, do you get frustrated by the dozens of auto insurance choices available to you? You have such a large number of options that it can turn into a real hassle to find the best prices for Toyota Rav4 insurance in Houston. If you’ve ever been there, you know that Houston is a good city to live in, but getting gouged by high auto insurance rates makes it impossible to pay other bills every month.
Shockingly, 70% of consumers kept their coverage with the same auto insurance company for a minimum of four years, and nearly the majority have never taken the time to shop around. With the average premium in Texas being $2,679, drivers could save themselves about 70% a year by just comparing quotes, but they don’t know how much they could save if they bought a different policy.
To find affordable Houston auto insurance quotes, there are several ways to compare rate quotes from many different Texas insurance companies. One of the best ways to compare Toyota Rav4 insurance prices is to use the internet to compare rates.
When quoting car insurance, remember that getting more free quotes will improve the odds of getting the best offered rates. Some smaller insurers do not give online Houston Rav4 insurance quotes, so you need to compare price quotes from them as well.
The following companies provide free rate quotes in Texas. If the list has multiple companies, we suggest you get prices from several of them to get a more complete price comparison.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| RAV4 2WD | $282 | $610 | $430 | $26 | $128 | $1,476 | $123 |
| RAV4 2WD | $226 | $412 | $358 | $22 | $108 | $1,126 | $94 |
| RAV4 2WD | $314 | $670 | $496 | $30 | $148 | $1,658 | $138 |
| RAV4 4WD | $322 | $682 | $462 | $28 | $138 | $1,632 | $136 |
| RAV4 4WD | $286 | $486 | $388 | $24 | $116 | $1,300 | $108 |
| RAV4 Sport 2WD | $266 | $492 | $514 | $30 | $154 | $1,456 | $121 |
| RAV4 Sport 2WD | $176 | $306 | $388 | $24 | $116 | $1,010 | $84 |
| RAV4 Limited 4WD | $266 | $492 | $514 | $30 | $154 | $1,456 | $121 |
| RAV4 Limited 2WD | $322 | $682 | $462 | $28 | $138 | $1,632 | $136 |
| RAV4 Limited 2WD | $206 | $412 | $430 | $26 | $128 | $1,202 | $100 |
| RAV4 Limited 2WD | $166 | $288 | $392 | $24 | $118 | $988 | $82 |
| RAV4 Limited 4WD | $268 | $456 | $392 | $24 | $118 | $1,258 | $105 |
| RAV4 Sport 4WD | $176 | $306 | $388 | $24 | $116 | $1,010 | $84 |
| RAV4 Sport 4WD | $176 | $306 | $388 | $24 | $116 | $1,010 | $84 |
| RAV4 Limited 4WD | $254 | $486 | $400 | $24 | $120 | $1,284 | $107 |
| RAV4 Limited 4WD | $374 | $592 | $500 | $30 | $150 | $1,646 | $137 |
| RAV4 Limited 2WD | $142 | $266 | $366 | $22 | $110 | $906 | $76 |
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Prices based on married male driver age 50, no speeding tickets, no at-fault accidents, $1,000 deductibles, and Texas minimum liability limits. Discounts applied include homeowner, claim-free, multi-policy, multi-vehicle, and safe-driver. Information does not factor in specific location information which can influence price quotes significantly.
Gender-based auto insurance premiums in Houston
The chart below compares Toyota Rav4 car insurance rates for male and female drivers. The premiums are based on no tickets, no at-fault accidents, comprehensive and collision coverage, $1,000 deductibles, single marital status, and no discounts are applied to the premium.
Take policy discounts and save on Toyota Rav4 insurance in Houston
Car insurance is not an enjoyable expense, but you can get discounts to reduce the price significantly. Some discounts will apply when you quote, but a few must be requested specifically before you will receive the discount.
- Multiple Vehicles – Having primary and secondary vehicles with the same car insurance company could earn a price break for each car.
- Payment Discounts – By paying your policy upfront rather than paying monthly you may have a lower total premium amount.
- Switch and Save Discount – A few insurance companies give discounts for switching companies prior to the expiration date on your current Rav4 insurance policy. You could save around 10% when you buy Houston auto insurance online.
- Own a Home – Just owning your own home may earn you a small savings because it requires personal responsibility.
- Passenger Safety Discount – Vehicles equipped with air bags or automatic seat belts may qualify for discounts of up to 25% or more.
- Auto/Life Discount – Some insurance companies give a discounted premium rate on car insurance if you buy life insurance.
Don’t be shocked that some credits don’t apply to the whole policy. Most only reduce the cost of specific coverages such as comprehensive or collision. So even though they make it sound like you can get free auto insurance, insurance companies wouldn’t stay in business. But any discount should help lower your policy premiums.
If you would like to see a list of car insurance companies with the best Toyota Rav4 insurance discounts in Houston in Texas, follow this link.
Seven Tips to Get More Affordable Houston Insurance Costs
Lots of things are considered when quoting car insurance. A few of the factors are predictable such as your driving record, but some are not quite as obvious like your continuous coverage or your financial responsibility.
- Combine home and auto and save – Many insurers will give better rates for people that buy multiple policies such as combining an auto and homeowners policy. Even with this discount applied, you still need to compare Toyota Rav4 rates in Houston to confirm you are receiving the best rates possible. You may still find a better deal by buying from different companies
- Your job can affect premiums – Do you have a high-stress occupation? Jobs like judges, airline pilots, and miners usually pay higher premiums than the average policyholder in part from stressful work requirements and extremely grueling work hours. Other careers such as actors, students and performers get better rates.
- Single drivers take more risk – Being married may save some money when buying car insurance. Having a spouse demonstrates that you tend to be more mature and responsible and it’s statistically proven that drivers who are married are more cautious.
- Infrequent drivers can save – Driving more miles in a year’s time the more you will pay for car insurance. A lot of companies apply a rate determined by how the vehicle is used. Cars and trucks that have low annual miles can get a lower rate than those that get driven frequently. Double check that your car insurance declarations sheet is rated on how each vehicle is driven, because improper ratings can cost you money. An improperly rated Rav4 may be costing you higher rates.
- Five star safety rating saves money – Vehicles with good safety scores cost less to insure. Safe vehicles have better occupant injury protection and better occupant protection means lower claim amounts and thus lower rates. If your Toyota Rav4 is rated at a minimum four stars on Safercar.gov it may be receiving lower rates.
- What are your physical damage deductibles? – Comp and collision deductibles are the amount of money the insured will be required to pay if a covered claim is submitted. Physical damage insurance, aka comp and collision, is used to repair damage to your car. Some examples of covered claims are colliding with a stationary object, vandalism, or theft of your vehicle. The more you are required to pay out-of-pocket, the less your company will charge you for insurance.
- Your credit score is important – Having a bad credit score can be an important factor in determining what you pay. So if your credit can use some improvement, you could be paying less to insure your Toyota Rav4 by spending a little time repairing your credit. Consumers who have very good credit scores tend to be better risks to insure than those with poor credit.
Insurance agents can help
A small number of people just want to talk to an insurance agent and that is OK! One of the best bonuses of getting free rate quotes online is that you can obtain cheap car insurance quotes and still buy from a local agent.
Once you complete this form (opens in new window), your insurance coverage information is submitted to local insurance agents that provide free Houston auto insurance quotes to get your business. There is no need to visit any agencies since rate quotes are delivered immediately to you. You can most likely find cheaper rates and a licensed agent to work with. If you want to get a comparison quote for a specific company, feel free to find their quoting web page and complete a quote there.
Finding a good provider should include more criteria than just the price. These are valid questions to ask:
- Can you use your own choice of collision repair facility?
- Is auto insurance their primary focus in Houston?
- How is replacement cost determined on your vehicle?
- If your car is in the repair shop, do you have coverage for a rental car?
- Which insurance company do they prefer to write with?
Once you have satisfactory answers to these questions as well as an affordable premium quote, you’ve probably found an insurer that is reliable enough to provide car insurance coverage.
Which policy gives me the best coverage?
When it comes to choosing the right insurance coverage for your personal vehicles, there really is not a one-size-fits-all type of policy. Your financial needs are unique so your insurance should reflect that
For example, these questions can aid in determining if your situation may require specific advice.
- What are the best liability limits?
- Are my company tools covered if they get stolen?
- Do all my vehicles need collision coverage?
- When should I have rental car coverage?
- Does my policy cover my teen driver if they drive my company car?
- Are all vehicle passengers covered by medical payments coverage?
- Is my nanny covered when driving my vehicle?
- Am I covered if I hit my neighbor’s mailbox?
- When do I need to add a new car to my policy?
- Do I need more liability coverage?
If you don’t know the answers to these questions, you might consider talking to a licensed agent. If you want to speak to an agent in your area, simply complete this short form or you can also visit this page to select a carrier
A conclusion for your insurance search
When buying insurance coverage, it’s not a good idea to buy lower coverage limits just to save a few bucks. In many cases, someone sacrificed full coverage only to regret that a couple dollars of savings turned into a financial nightmare. Your strategy should be to purchase plenty of coverage at the lowest possible cost.
A few companies may not have the ability to get a quote online and usually these smaller providers prefer to sell through independent agencies. Low-cost Toyota Rav4 insurance in Houston can be found online in addition to many Houston insurance agents, so compare prices from both to have the best rate selection.
More information can be found at the links below
- Older Driver Statistics (Insurance Information Institute)
- Who Has Affordable Auto Insurance Quotes for Low Income Drivers in Houston? (FAQ)
- Who Has Affordable Houston Auto Insurance for a Subaru Outback? (FAQ)
- Information for Teen Drivers (GEICO)
- Honda warning system reduces insurance claims (Insurance Institute for Highway Safety)
- Five Steps to Filing an Auto Insurance Claim (Insurance Information Institute)
- Choosing an Insurance Company (Insurance Information Institute)