Discount Toyota Rav4 insuranceNobody likes having to buy auto insurance, in particular when they are paying too much.

Unbelievable but true according to a study 70% of consumers have been with the same company for more than four years, and about 40% of consumers have never compared rates to find cheaper insurance. Colorado insurance shoppers could save almost 35% every year by just comparing quotes, but they just feel it's too hard to shop around. Lots of car insurance companies contend for your insurance dollar, and because of this it can be hard to compare insurance companies and get the best coverage at the best rate on Toyota Rav4 insurance in Fort Collins.

How to find low cost Toyota Rav4 insurance in Fort Collins, CO

Finding a lower price on insurance is actually easier than you may think. All you need to do is take the time comparing rates to find the company with cheaper Fort Collins car insurance quotes.

It's so easy to compare price quotes online that it makes it a waste of time to go to each insurance agency near you. Shopping for auto insurance online makes this unnecessary unless you prefer the trained advice of a local Fort Collins agent. You can, however, find lower rates online and still use a local agent.

The providers in the list below are our best choices to provide price quotes in Colorado. If the list has multiple companies, we recommend you click on several of them to get a more complete price comparison.

Toyota Rav4 Insurance Rates in Fort Collins, CO
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
RAV4 2WD $216 $424 $426 $26 $128 $1,220 $102
RAV4 2WD $294 $536 $358 $22 $108 $1,318 $110
RAV4 2WD $168 $288 $352 $20 $106 $934 $78
RAV4 4WD $260 $562 $396 $24 $118 $1,360 $113
RAV4 4WD $170 $306 $330 $20 $98 $924 $77
RAV4 Sport 2WD $160 $326 $456 $28 $136 $1,106 $92
RAV4 Sport 2WD $296 $628 $426 $26 $128 $1,504 $125
RAV4 Limited 4WD $164 $330 $426 $26 $128 $1,074 $90
RAV4 Limited 2WD $130 $238 $330 $20 $98 $816 $68
RAV4 Limited 2WD $260 $562 $396 $24 $118 $1,360 $113
RAV4 Limited 2WD $192 $288 $460 $28 $138 $1,106 $92
RAV4 Limited 4WD $294 $536 $358 $22 $108 $1,318 $110
RAV4 Sport 4WD $212 $416 $456 $28 $136 $1,248 $104
RAV4 Sport 4WD $302 $546 $352 $20 $106 $1,326 $111
RAV4 Limited 4WD $302 $546 $352 $20 $106 $1,326 $111
RAV4 Limited 4WD $200 $340 $362 $22 $108 $1,032 $86
RAV4 Limited 2WD $272 $458 $352 $20 $106 $1,208 $101
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Prices above based on married male driver age 30, no speeding tickets, no at-fault accidents, $250 deductibles, and Colorado minimum liability limits. Discounts applied include multi-vehicle, safe-driver, homeowner, multi-policy, and claim-free. Estimates do not factor in specific location information which can lower or raise premiums noticeably.

Full coverage rates vs. liability-only in Fort Collins

The chart below shows the comparison of Toyota Rav4 insurance rates with full physical damage coverage compared to only buying the minimum liability limits required in Colorado. The prices are based on no claims or violations, $250 deductibles, single male driver, and no policy discounts are applied.

When to drop full coverage

There is no written rule that works best for making the decision to drop full coverage on your policy, but there is a general guideline. If the annual cost of comprehensive and collision coverage is 10% or more of the settlement you would receive from your company, then you might consider buying liability only.

For example, let's pretend your Toyota Rav4 claim settlement value is $8,000 and you have $1,000 policy deductibles. If your vehicle is destroyed, the most your company will settle for is $7,000 after paying your deductible. If you are paying over $700 annually for full coverage, then you might consider buying liability only.

There are a few cases where removing full coverage is not a good plan. If you still owe a portion of the original loan, you have to maintain full coverage as part of the loan conditions. Also, if your finances do not allow you to purchase a different vehicle in the even your car is totaled, you should not eliminate full coverage.

Choosing deductibles

The diagram below highlights how deductible selection and can influence Toyota Rav4 premium costs for different age groups. The premiums are based on a single female driver, full coverage, and no discounts are applied.

Toyota Rav4 insurance rates: Men versus women

The example below illustrates the comparison of Toyota Rav4 car insurance costs for male and female drivers. The information is based on no claims, a clean driving record, full coverage, $1,000 deductibles, drivers are single, and no other discounts are factored in.

Get cheaper Toyota Rav4 insurance rates in Fort Collins

Some providers don't always list the entire discount list very well, so the list below contains both the well known and also the lesser-known discounts you could be receiving when you buy Fort Collins car insurance online.Discount auto insurance

Policy discounts save money, but most discount credits are not given to your bottom line cost. The majority will only reduce the price of certain insurance coverages like physical damage coverage or medical payments. Despite the appearance that you would end up receiving a 100% discount, nobody gets a free ride.

The best auto insurance companies and a selection of discounts are included below.

Before purchasing a policy, check with each insurance company which discounts you may be entitled to. Some of the discounts discussed earlier may not apply to policyholders in your state.

Neighborhood insurance agents

Many people still prefer to sit down with an agent and that is a smart decision Professional insurance agents can make sure you are properly covered and give you someone to call. An additional benefit of getting free rate quotes online is you can get cheap car insurance quotes but also keep your business local. Buying insurance from local agencies is definitely important in Fort Collins.

Find insurance agent in Fort CollinsAfter completing this simple form, your information is sent to companies in Fort Collins who will gladly provide quotes for your business. It simplifies rate comparisons since you won't have to leave your house because quoted prices will be sent to you instantly. If you need to compare rates from one company in particular, feel free to search and find their rate quote page to submit a rate quote request.

Finding the right insurer requires you to look at more than just a cheap price quote. A good agent in Fort Collins will have answers to these questions.

Informed Consumers Know How to Get Auto Insurance Cheaper

Consumers need to have an understanding of a few of the rating criteria that help calculate the rates you pay for auto insurance. If you have a feel for what positively or negatively impacts your premiums, this enables you to make decisions that can help you get lower rates.

Why insurance is not optional

Even though Fort Collins Rav4 insurance rates can get expensive, maintaining insurance serves a purpose in several ways.

The benefits of carrying enough insurance definitely exceed the price paid, especially when you need to use it. The average driver in Colorado overpays more than $869 every year so you should quote your policy with other companies at every renewal to save money.

Cheaper insurance is a realistic goal

Low-cost Toyota Rav4 insurance in Fort Collins can be purchased both online as well as from insurance agents, so you should be comparing quotes from both in order to have the best chance of saving money. Some companies may not offer online rate quotes and these small insurance companies only sell coverage through independent insurance agencies.

When buying insurance coverage, make sure you don't skimp on coverage in order to save money. There have been many situations where an insured cut comprehensive coverage or liability limits and learned later that a couple dollars of savings turned into a financial nightmare. The goal is to get the best coverage possible for the lowest cost, but don't skip important coverages to save money.

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