Best Toyota Rav4 Insurance in Plano

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Insurance quote for Toyota Rav4 in PlanoUnthinkable but true, most car insurance policyholders kept buying from the same company for four years or more, and 38% of customers have never even compared rates from other companies. The average driver in Plano can save about $1,770 each year just by getting comparison quotes, but most undervalue how much money they would save if they moved their coverage to a different company.

If you want to save the most money, the best way to find cheaper prices for auto insurance rates is to regularly compare price quotes from insurers who provide auto insurance in Plano. Rates can be compared by following these guidelines.

First, get an understanding of what is in your policy and the modifications you can make to lower rates. Many factors that increase rates such as speeding tickets, accidents and a not-so-good credit score can be remedied by making lifestyle changes or driving safer. This article gives additional tips to help keep rates affordable and find available discounts that you may qualify for.

Second, request price quotes from exclusive agents, independent agents, and direct providers. Direct and exclusive agents can only provide price estimates from one company like Progressive or State Farm, while independent agencies can provide rate quotes from multiple insurance companies.

Third, compare the price quotes to the price on your current policy to see if a cheaper rate is available in Plano. If you find a better price, make sure there is no lapse in coverage.

A key point to remember is to try to use the same physical damage deductibles and liability limits on each quote and and to get rates from every insurance company. This ensures a level playing field and the best price selection.

Choosing the most cost-effective car insurance policy in Plano is really quite simple as long as you have a good starting point. If you have a policy now, you will surely be able to reduce the price you pay using this information. Consumers just need to know the most efficient way to buy car insurance over the internet.

Low Cost companies for Toyota Rav4 insurance in Texas

The providers in the list below provide price quotes in Plano, TX. If your goal is to find the best auto insurance in Plano, we recommend you visit as many as you can to get the most competitive price.

Premium rates and analysis

The coverage table displayed next showcases different insurance policy prices for Toyota Rav4 models. Learning as much as possible about how insurance prices are figured can help drivers make smart choices when buying a policy.

Toyota Rav4 Insurance Rates in Plano, TX
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
RAV4 2WD $174 $352 $496 $30 $148 $1,200 $100
RAV4 Sport 2WD $174 $352 $496 $30 $148 $1,200 $100
RAV4 4WD $174 $352 $496 $30 $148 $1,200 $100
RAV4 Limited 2WD $174 $352 $496 $30 $148 $1,200 $100
RAV4 Limited 4WD $174 $352 $496 $30 $148 $1,200 $100
RAV4 Limited 4WD $174 $352 $496 $30 $148 $1,200 $100
RAV4 Sport 4WD $174 $352 $496 $30 $148 $1,200 $100
Get Your Own Custom Quote Go

Price data assumes single female driver age 40, no speeding tickets, no at-fault accidents, $1000 deductibles, and Texas minimum liability limits. Discounts applied include safe-driver, homeowner, multi-policy, claim-free, and multi-vehicle. Table data does not factor in vehicle location which can lower or raise price quotes greatly.

Where to set your deductibles

One of the hardest decisions when shopping for auto insurance is how high or low should comp and collision deductibles be. The following tables can help you visualize the cost difference between high and low insurance deductibles. The first set of rates uses a $250 physical damage deductible and the second rate chart uses a $500 deductible.

Toyota Rav4 insurance prices with $250 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
RAV4 2WD $294 $496 $382 $22 $114 $1,333 $111
RAV4 Sport 2WD $294 $496 $382 $22 $114 $1,333 $111
RAV4 4WD $294 $496 $382 $22 $114 $1,333 $111
RAV4 Limited 2WD $294 $496 $382 $22 $114 $1,333 $111
RAV4 Limited 4WD $294 $496 $382 $22 $114 $1,333 $111
RAV4 Limited 4WD $294 $496 $382 $22 $114 $1,333 $111
RAV4 Sport 4WD $294 $496 $382 $22 $114 $1,333 $111
Get Your Own Custom Quote Go
Toyota Rav4 insurance prices with $500 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
RAV4 2WD $240 $400 $382 $22 $114 $1,158 $97
RAV4 Sport 2WD $240 $400 $382 $22 $114 $1,158 $97
RAV4 4WD $240 $400 $382 $22 $114 $1,158 $97
RAV4 Limited 2WD $240 $400 $382 $22 $114 $1,158 $97
RAV4 Limited 4WD $240 $400 $382 $22 $114 $1,158 $97
RAV4 Limited 4WD $240 $400 $382 $22 $114 $1,158 $97
RAV4 Sport 4WD $240 $400 $382 $22 $114 $1,158 $97
Get Your Own Custom Quote Go

Above prices assume married male driver age 30, no speeding tickets, no at-fault accidents, and Texas minimum liability limits. Discounts applied include multi-vehicle, safe-driver, multi-policy, claim-free, and homeowner. Rates do not factor in vehicle location which can decrease or increase insurance rates substantially.

Using the data above, we can ascertain that using a $250 deductible could cost the average driver approximately $14 more each month or $168 every year than choosing the higher $500 deductible. Since you would have to pay $250 more out-of-pocket with a $500 deductible as compared to a $250 deductible, if you usually have more than 18 months between claims, you would more than likely save some money by selecting a higher deductible. The table below shows a better example of how you can come to your own conclusion.

Average monthly premium for $250 deductibles: $111
Average monthly premium for $500 deductibles (subtract): - $97
Monthly savings from raising deductible: $14
Difference between deductibles ($500 - $250): $250
Divide difference by monthly savings: $250 / $14
Number of months required between physical damage coverage claims in order to save money by choosing the higher deductible 18 months

Comparison of full coverage and liability-only policies

The example below shows the difference between Toyota Rav4 insurance rates with and without physical damage coverage. The prices are based on no claims or driving citations, $500 deductibles, marital status is single, and no discounts are applied to the premium.

When to switch to liability coverage only

There is no specific rule of when to exclude comprehensive and collision coverage on your policy, but there is a general convention. If the annual cost of coverage is about 10% or more of any settlement you would receive from your insurance company, then it may be the right time to buy liability only.

For example, let's say your Toyota Rav4 replacement cost is $6,000 and you have $1,000 physical damage deductibles. If your vehicle is severely damaged, the most your company would pay you is $5,000 after you pay the deductible. If premiums are more than $500 a year for full coverage, then you may need to consider dropping full coverage.

There are some circumstances where dropping physical damage coverage is not advised. If you still owe a portion of the original loan, you must maintain physical damage coverage in order to prevent the bank from purchasing higher-priced coverage. Also, if you cannot afford to purchase a different vehicle if your current one is damaged, you should not eliminate full coverage.

Verify you're receiving every discount

The price of auto insurance can be rather high, but there's a good chance there are discounts to cut the cost considerably. Most are applied at the time you complete a quote, but a few must be asked about before being credited. If they aren't giving you every credit you qualify for, you could be paying more than you need to.

  • Paperwork-free - Some of the larger companies may give you up to $50 for completing your application on your computer.
  • Cautious Drivers - Accident-free drivers may save up to 50% more as compared to drivers with claims.
  • Seat Belt Usage - Forcing all vehicle occupants to buckle up could save 15% off the personal injury premium cost.
  • Home Ownership Discount - Being a homeowner can help you save on insurance because of the fact that having a home is proof of financial responsibility.
  • Driver's Education for Students - Teen drivers should participate in a local driver's education class in high school.
  • Good Student - Performing well in school could provide a savings of up to 20% or more. The good student discount can last well after school through age 25.
  • Accident Waiver - Not necessarily a discount, but some companies like GEICO and Allstate allow you one accident before hitting you with a surcharge so long as you are claim-free for a set time period.
  • Federal Employees - Simply working for the federal government may qualify for a discount when you quote Plano auto insurance but check with your company.
  • Multi-car Discount - Having several vehicles on a single policy qualifies for this discount.

One last thing about discounts, many deductions do not apply to the overall cost of the policy. Some only reduce the cost of specific coverages such as comp or med pay. Just because it seems like you could get a free insurance policy, company stockholders wouldn't be very happy.

The example below illustrates the comparison of Toyota Rav4 annual premium costs with and without discounts applied to the policy rates. The rate quotes are based on a female driver, no accidents or driving violations, Texas state minimum liability limits, full physical damage coverage, and $1,000 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with safe-driver, claim-free, multi-policy, homeowner, marriage, and multi-car discounts applied.

A list of insurance companies and some of the discounts are:

  • State Farm has savings for driver's education, anti-theft, multiple autos, student away at school, safe vehicle, Steer Clear safe driver discount, and accident-free.
  • GEICO offers discounts including emergency military deployment, defensive driver, anti-lock brakes, federal employee, air bags, and anti-theft.
  • Allstate discounts include teenSMART discount, early signing, premier plus, defensive driver, FullPay discount, and multi-policy.
  • SAFECO includes discounts for anti-theft, homeowner, anti-lock brakes, accident prevention training, safe driver, teen safe driver, and drive less.
  • Farm Bureau may include discounts for safe driver, youthful driver, multi-policy, driver training, multi-vehicle, 55 and retired, and good student.
  • Progressive may have discounts that include multi-vehicle, multi-policy, good student, homeowner, online quote discount, online signing, and continuous coverage.
  • AAA offers discounts for multi-car, AAA membership discount, anti-theft, education and occupation, good student, and multi-policy.

If you need lower rates, check with each insurance company which credits you are entitled to. Depending on the company, some discounts may not be available everywhere.

Shop online but buy locally

A small number of people just prefer to go talk to an agent and that is OK! Good insurance agents are very good at helping people manage risk and help in the event of a claim. One of the great benefits of getting online price quotes is the fact that you can find cheaper auto insurance rates and still buy from a local agent.

Insurance agents in PlanoTo find an agent, once you fill out this simple form, your insurance data is transmitted to local insurance agents that provide free Plano auto insurance quotes for your insurance coverage. You don't have to search for any insurance agencies since rate quotes are delivered immediately to your email address. If you need to get a price quote for a specific company, don't hesitate to visit that company's website and fill out their quote form.

Picking the best provider needs to be determined by more than just a low price. Any agent in Plano should be willing to answer these questions.

  • Is there any savings for paying the full premium?
  • Do they prorate repair cost based on vehicle mileage?
  • Does the agency have a positive business rating?
  • How much experience to they have in personal lines coverages?
  • How much can you save by raising your physical damage deductibles?
  • If your car is totaled, how to they determine the replacement cost?
  • Which members of your family are coverage by the policy?

If you're trying to find a reliable agent, it helps to know the two different types of agencies that you can select. Agencies in Plano can be categorized as either exclusive or independent. Either can properly insure your vehicles, but it's worth mentioning how they are different since it can impact your selection of an agent.

Exclusive Car Insurance Agents

Agents of this type can usually just insure with one company such as AAA, State Farm, Farmers Insurance, and Allstate. Exclusive agents are unable to place coverage with different providers so it's a take it or leave it situation. They are trained well on what they offer which helps them compete with independent agents.

Below is a list of exclusive agencies in Plano who can help you get comparison quotes.


7965 Custer Rd #122 - Plano, TX 75025 - (972) 517-9175 - View Map


6100 K Ave #106 - Plano, TX 75074 - (972) 424-5900 - View Map


8000 Coit Rd #100 - Plano, TX 75025 - (972) 731-0350 - View Map

View more Plano agents

Independent Car Insurance Agencies

Independent insurance agents are not limited to a single company and that enables them to quote your coverage through many different car insurance companies and get you the best rates possible. If you are not satisfied with one company, they can switch companies in-house and you don't have to find a new agent. When searching for an agent, it's recommended you get several quotes from several independent agencies to get the best comparison.

Shown below are independent agencies in Plano that can give you comparison quotes.


2504 K Ave #400 - Plano, TX 75074 - (972) 423-4348 - View Map


6900 Alma Dr - Plano, TX 75023 - (469) 229-9080 - View Map


800 E Central Pkwy Ste 200 - Plano, TX 75074 - (972) 422-9412 - View Map

View more Plano agents

Ratings for Plano auto insurance companies

Ending up with a highly-rated insurer is difficult considering how many different insurance companies sell coverage in Texas. The rank data displayed below may help you choose which insurers to look at shopping your coverage with.

Top 10 Plano Car Insurance Companies Ranked by Customer Service

  1. USAA
  2. Travelers
  3. Mercury Insurance
  4. AAA Insurance
  5. Nationwide
  6. Safeco Insurance
  7. Progressive
  8. State Farm
  9. The Hartford
  10. The General

Compare car insurance rates regularly to save

You just learned a lot of ways to shop for Toyota Rav4 insurance online. It's most important to understand that the more you quote Plano auto insurance, the higher the chance of saving money. Consumers may even find the most savings is with a small mutual company. They can often provide lower prices in certain areas than the large multi-state companies such as Progressive and GEICO.

Some insurance providers don't offer the ability to get a quote online and these small insurance companies only sell coverage through independent insurance agents. Discount Toyota Rav4 insurance can be purchased on the web and from local insurance agents, so compare prices from both to have the best chance of lowering rates.

Additional car insurance information is located at the links below