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.

Discount Toyota Rav4 insuranceIf 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.

Toyota Rav4 Insurance Rates in Nashville, TN
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
RAV4 2WD $216 $368 $294 $18 $88 $984 $82
RAV4 2WD $216 $368 $294 $18 $88 $984 $82
RAV4 2WD $216 $368 $294 $18 $88 $984 $82
RAV4 4WD $216 $368 $294 $18 $88 $984 $82
RAV4 4WD $216 $368 $294 $18 $88 $984 $82
RAV4 Sport 2WD $216 $368 $294 $18 $88 $984 $82
RAV4 Sport 2WD $216 $368 $294 $18 $88 $984 $82
RAV4 Limited 4WD $216 $368 $294 $18 $88 $984 $82
RAV4 Limited 2WD $216 $368 $294 $18 $88 $984 $82
RAV4 Limited 2WD $216 $368 $294 $18 $88 $984 $82
RAV4 Limited 2WD $216 $368 $294 $18 $88 $984 $82
RAV4 Limited 4WD $216 $368 $294 $18 $88 $984 $82
RAV4 Sport 4WD $216 $368 $294 $18 $88 $984 $82
RAV4 Sport 4WD $216 $368 $294 $18 $88 $984 $82
RAV4 Limited 4WD $216 $368 $294 $18 $88 $984 $82
RAV4 Limited 4WD $216 $368 $294 $18 $88 $984 $82
RAV4 Limited 2WD $216 $368 $294 $18 $88 $984 $82
Get Your Own Custom Quote Go

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.

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.Auto insurance discounts

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.

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.

Nashville insurance agentsFor 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.

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.

5548 Franklin Pike #201Nashville, TN 37220(615) 292-9233View Map

8010 TN-100Nashville, TN 37221(615) 662-1551View Map

703 Main StNashville, TN 37206(615) 271-2996View Map

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.

65 Parris AveNashville, TN 37210(615) 254-8343View Map

1805 Ordway PlNashville, TN 37206(615) 478-7146View Map

2451 Atrium WayNashville, TN 37214(615) 884-3535View Map

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.

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