Affordable Insurance for a Toyota Rav4 in Nashville

Sadly, most drivers kept their policy with the same company for well over three years, and virtually 40% of consumers have never compared rate quotes at all. Consumers in Tennessee could save an average of roughly $475 each year, but they underestimate how much savings they would realize if they swap their current policy for a cheaper one.

If your goal is the lowest price, then the best way to save on Toyota Rav4 insurance is to begin comparing prices regularly from different companies who provide auto insurance in Nashville.

1. Read about the coverage provided by your policy and the changes you can make to keep rates low. Many rating criteria that drive up the price such as distracted driving and a not-so-good credit rating can be eliminated by making lifestyle changes or driving safer. This article gives the details to lower rates and find available discounts that you may qualify for.
2. Request price quotes from independent agents, exclusive agents, and direct companies. Exclusive agents and direct companies can provide rates from a single company like Progressive or Allstate, while agents who are independent can provide rate quotes from many different companies.
3. Compare the new rate quotes to your current policy and determine if cheaper Rav4 coverage is available in Nashville. If you can save some money and switch companies, make sure there is no lapse between the expiration of your current policy and the new one.

One important bit of advice is to compare the same deductibles and limits on each quote request and and to compare every company you can. Doing this enables an accurate price comparison and the best rate selection.

Companies offering Toyota Rav4 insurance in Nashville

The following companies can provide quotes in Nashville, TN. If you want cheap auto insurance in Tennessee, we recommend you get price quotes from several of them to get the cheapest price.

Car insurance statistics for a Toyota Rav4

The data table shown next covers a range of rate quotes for Toyota Rav4 models. Having insight into how auto insurance policy rates are established is important for drivers to make smart choices when buying a policy.

Data based on married female driver age 30, no speeding tickets, no at-fault accidents, $250 deductibles, and Tennessee minimum liability limits. Discounts applied include multi-policy, claim-free, safe-driver, homeowner, and multi-vehicle. Rate information does not factor in vehicle location which can revise price quotes considerably.

Age-based car insurance rates by gender

The illustration below illustrates the difference between Toyota Rav4 car insurance costs for male and female drivers. The premiums assume no driving violations, no at-fault accidents, full physical damage coverage, $100 deductibles, marital status is single, and no discounts are taken into consideration.

What Determines Toyota Rav4 Insurance Prices?

Lots of things are used in the calculation when you quote your car insurance policy. A few of the factors are predictable such as your driving record, but other factors are more obscure such as your credit history or how financially stable you are. One of the most helpful ways to save on auto insurance is to to have a grasp of some of the factors that go into determining your premiums. If you have some idea of what controls the rates you pay, this enables informed choices that will entitle you to much lower annual insurance costs.

The factors shown below are some of the factors that factor into premiums.

• Job stress can make you pay more – Occupations like lawyers, business owners, and emergency personnel tend to pay higher rates than the rest of us attributed to intense work situations and lengthy work days. On the flip side, careers such as actors, historians and the unemployed pay the least.
• Cars with good safety ratings cost less to insure – Cars with five star safety ratings are cheaper to insure. These vehicles reduce occupant injuries and better occupant protection means less money paid by your insurance company and cheaper rates on your policy.
• Lower rates with GPS tracking and theft deterrents – Choosing a vehicle that has an advanced theft prevention system can get you a discount on your auto insurance. Theft prevention devices like tamper alarm systems, vehicle immobilizer technology and General Motors OnStar all help prevent auto theft.

• Teen drivers pay higher costs – More mature drivers are shown to be more cautious, tend to cause fewer accidents, and get fewer tickets. Drivers with little experience have a tendency to be easily distracted behind the wheel so they pay higher auto insurance rates.

  The following data assumes a single driver, full coverage with $100 deductibles, and no discounts or violations.

• Increase deductibles to save – Insurance for physical damage, commonly called comprehensive (or other-than-collision) and collision coverage, is used to repair damage to your Toyota. Examples of covered claims are running into the backend of another car, hail damage, or theft. Comp and collision deductibles represent how much money you are willing to pay if a claim is determined to be covered. The larger the amount you choose to pay out-of-pocket, the less your auto insurance will be.
• More than one policy can earn a discount – Lots of companies apply lower prices to customers that have more than one policy, otherwise known as a multi-policy discount. Even with this discount, it’s still a good idea to check prices from other companies to confirm you are receiving the best rates possible. You may still be able to save money by insuring with multiple companies.
• Marriage is a good thing – Having a significant other may save some money on your policy. Having a significant other is viewed as being more mature than a single person and it’s statistically proven that married drivers tend to have fewer serious accidents.
• A car insurance policy lapse is a bad thing – Driving with no insurance can get you a ticket and companies may charge more for letting your coverage have a gap. And not only will your rates increase, the inability to provide proof of insurance can result in a revoked license or a big fine.

Toyota Rav4 insurance discounts in Nashville

Car insurance can cost a lot, but discounts can save money and there are some available that you may not even know about. Certain reductions will be credited at the time of purchase, but a few need to be asked for before being credited. If you’re not getting every credit possible, you may be paying too high a price.

• Safety Restraint Discount – Buckling up and requiring all passengers to buckle up could save 15% off the PIP or medical payment premium.
• Buy New and Save – Buying a new car instead of a used Rav4 can save you some money since new vehicles have better safety ratings.
• Claim Free – Claim-free drivers are rewarded with significantly better rates on Nashville car insurance quote compared to policyholders that have many claims.
• E-sign Discounts – Some of the larger companies will provide an incentive get Nashville car insurance on their website.
• Professional Memberships – Having an affiliation with qualifying clubs or civic groups could trigger savings on your bill.
• Defensive Driver Discounts – Taking part in a defensive driver class could save 5% or more and make you a better driver.
• Low Mileage – Fewer annual miles on your Toyota could earn better premium rates on cars that stay parked.
• Active Military Service – Being deployed with a military unit may qualify for rate reductions.

Discounts lower rates, but many deductions do not apply to all coverage premiums. Most only reduce individual premiums such as collision or personal injury protection. So even though they make it sound like having all the discounts means you get insurance for free, it just doesn’t work that way.

The diagram below illustrates the comparison of Toyota Rav4 premium costs with and without discounts. The data assumes a female driver, no driving violations, no at-fault accidents, Tennessee state minimum liability limits, full coverage, and $250 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with claim-free, safe-driver, marriage, multi-car, multi-policy, and homeowner discounts applied.

The best auto insurance companies and their offered discounts are detailed below.

• Farm Bureau includes discounts for driver training, multi-policy, safe driver, 55 and retired, multi-vehicle, and youthful driver.
• State Farm policyholders can earn discounts including student away at school, driver’s education, good student, Steer Clear safe driver discount, accident-free, multiple policy, and Drive Safe & Save.
• Progressive offers discounts for homeowner, online signing, continuous coverage, online quote discount, multi-vehicle, and good student.
• Allstate offers premium reductions for senior citizen, multi-policy, auto/life discount, safe driver, anti-lock brakes, defensive driver, and premier discount.
• Nationwide discounts include multi-policy, defensive driving, Farm Bureau membership, accident-free, anti-theft, business or organization, and family plan.
• MetLife has discounts for good student, accident-free, claim-free, multi-policy, good driver, and defensive driver.

Before you buy a policy, ask each insurance company which discounts you qualify for. Some discounts may not be available in every state. If you would like to see a list of auto insurance companies that offer discounts in Tennessee, click here to view.

Compare rates but buy from a local Nashville insurance agency

Some people just want to go talk to an agent and that can be a smart move Experienced insurance agents can help you build your policy and will help you if you have claims. A nice benefit of getting free rate quotes online is that drivers can save money and get better rates and still have an agent to talk to.

For easy comparison, once you complete this short form, your coverage information is emailed to companies in Nashville who will give competitive quotes for your insurance coverage. It makes it easy because there is no need to contact any insurance agencies as quotes are delivered immediately to your email address. If you need to compare rates from a specific insurance company, you would need to visit that company’s website and give them your coverage information.

Choosing the best provider should include more criteria than just the quoted price. The following questions are important to ask.

• How are they compensated?
• Who are their largest clients?
• What is the financial rating for the quoted company?
• Will a damage claim use OEM or aftermarket replacement parts?
• Does the agency have a current Errors and Omissions policy?

If you prefer to buy car insurance from a reliable insurance agent, it’s helpful to know the different types of agents and how they operate. Car insurance agents in Nashville can be described as either independent agents or exclusive agents. Both can do a good job, but it’s worth learning the difference in the companies they write for since it can affect which type of agent you select.

Exclusive Car Insurance Agents

Exclusive agencies work for only one company like State Farm, Allstate and AAA. Exclusive agents cannot provide other company’s prices so they have to upsell other benefits. Exclusive agencies are well schooled on sales techniques which aids in selling service over price.

Shown below are exclusive agents in Nashville who can help you get price quotes.

View more Nashville agents

Independent Car Insurance Agencies

Agents that choose to be independent often have many company appointments and that allows them to write policies through many different car insurance companies enabling the ability to shop coverage around. To transfer your coverage to a different company, your agent can just switch to a different company and you don’t have to switch agencies.

When comparing car insurance prices, you need to get several quotes from a couple of independent agencies to maximize your price options.

Below are Nashville independent insurance agents that are able to give price quote information.

View more Nashville agents

Upon receiving good responses and an acceptable price quote, you may have just found a car insurance agent that is reputable and can properly insure your vehicles.

Ratings for Tennessee auto insurance companies

Selecting the best insurance provider can be a challenge considering how many companies are available to choose from in Nashville. The information shown below may help you choose which car insurance companies to look at when looking for cheaper rates.

Top 10 Nashville Car Insurance Companies Overall

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

Top 10 Nashville Car Insurance Companies Ranked by Claims Service

1. Travelers
2. Allstate
3. Nationwide
4. State Farm
5. GEICO
6. Liberty Mutual
7. American Family
8. Esurance
9. AAA Insurance
10. Titan Insurance

Shop smart and save

More affordable auto insurance in Nashville is possible from both online companies and with local Nashville insurance agents, and you need to price shop both to have the best rate selection. Some companies may not provide price quotes online and usually these regional insurance providers prefer to sell through independent insurance agents.

Throughout this article, we presented quite a bit of information on how to lower your Toyota Rav4 insurance premium rates in Nashville. The key thing to remember is the more price quotes you have, the better your comparison will be. You may even find the most savings is with a smaller regional carrier. Smaller companies can often insure niche markets at a lower cost compared to the large companies like Allstate or State Farm.

Additional detailed information is available in these articles:

• Speed and Speed Limit FAQ (iihs.org)
• What Auto Insurance is Cheapest for a Subaru Forester in Nashville? (FAQ)
• Who Has the Cheapest Auto Insurance for a Hyundai Elantra in Nashville? (FAQ)
• Who Has Cheap Nashville Car Insurance Quotes for Drivers with a DUI? (FAQ)
• How Much are Car Insurance Rates for College Students in Nashville? (FAQ)
• How do I File a Claim? (Insurance Information Institute)
• Distracted Driving (Insurance Information Institute)
• Preventing Carjacking and Theft (Insurance Information Institute)