Auto Insurance Quotes for a Toyota Rav4 in San Antonio

Insurance for Toyota Rav4Are you kicking yourself for buying overpriced Toyota Rav4 insurance in San Antonio? Believe me, there are many San Antonio drivers thinking the same thing.

It’s an obvious statement that car insurance companies want to keep your business as long as possible. Consumers who shop around for a cheaper policy are inclined to buy a new policy because there is a high probability of finding a policy with better rates. A recent survey discovered that drivers who faithfully checked for cheaper rates saved over $3,400 over four years compared to those who never compared other company’s rates.

If finding the best rates on auto insurance is your ultimate goal, knowing the best way to shop and compare car insurance can make it easier for you to save money.

Lots of insurance companies contend to insure your vehicles, and it can be difficult to compare rates and get the best coverage at the lowest price on Toyota Rav4 insurance in San Antonio.

It’s important to check insurance prices as often as possible because prices trend upward over time. If you had the lowest quotes on Toyota Rav4 insurance in San Antonio two years ago you may be paying too much now. Ignore everything you know about insurance because you’re about to learn how to use online quotes to find better coverage on Toyota Rav4 insurance in San Antonio at a better price.

The quickest method we recommend to compare rate quotes for Toyota Rav4 insurance in San Antonio is to know car insurance companies allow for online access to give free rates quotes. All consumers are required to do is provide the companies a bit of rating information such as if it has an alarm system, level of coverage desired, if you lease or own, and how much you drive. Your information is then sent to many different companies and you get price estimates with very little delay.

To check Toyota Rav4 insurance prices now, click here and find out if you can get cheaper insurance in San Antonio.

The auto insurance companies shown below provide quotes in San Antonio, TX. If multiple companies are listed, we recommend you get prices from several of them to get the most competitive price.

Cut your car insurance rates with discounts

Insuring your fleet can be pricey, but there could be significant discounts that may help make it more affordable. Certain reductions will be credited when you complete an application, but some must be requested specifically before you get the savings.Car insurance discounts

You can save money using discounts, but most of the big mark downs will not be given to the whole policy. The majority will only reduce the cost of specific coverages such as collision or personal injury protection. Despite the appearance that all those discounts means the company will pay you, that’s just not realistic. But any discount will definitely reduce the amount you pay for coverage.

The illustration below shows the comparison of Toyota Rav4 insurance rates with and without discounts being applied to the rates. The rate quotes are based on a male driver, no accidents or driving violations, Texas state minimum liability limits, comprehensive and collision coverage, and $100 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with safe-driver, multi-car, claim-free, marriage, homeowner, and multi-policy discounts applied.

If you would like to view insurance companies that offer some of these discounts in Texas, follow this link.

Auto insurance data for a Toyota Rav4

The price information shown next showcases a range of insurance policy prices for Toyota Rav4 models. Having a better understanding of how auto insurance prices are formulated can be of help when making informed decisions when comparing rates.


Toyota Rav4 Insurance Rates in San Antonio, TX
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
RAV4 2WD $184 $332 $358 $22 $108 $1,004 $84
RAV4 2WD $184 $332 $358 $22 $108 $1,004 $84
RAV4 2WD $184 $332 $358 $22 $108 $1,004 $84
RAV4 4WD $184 $332 $358 $22 $108 $1,004 $84
RAV4 4WD $184 $332 $358 $22 $108 $1,004 $84
RAV4 Sport 2WD $184 $332 $358 $22 $108 $1,004 $84
RAV4 Sport 2WD $184 $332 $358 $22 $108 $1,004 $84
RAV4 Limited 4WD $184 $332 $358 $22 $108 $1,004 $84
RAV4 Limited 2WD $184 $332 $358 $22 $108 $1,004 $84
RAV4 Limited 2WD $184 $332 $358 $22 $108 $1,004 $84
RAV4 Limited 2WD $184 $332 $358 $22 $108 $1,004 $84
RAV4 Limited 4WD $184 $332 $358 $22 $108 $1,004 $84
RAV4 Sport 4WD $184 $332 $358 $22 $108 $1,004 $84
RAV4 Sport 4WD $184 $332 $358 $22 $108 $1,004 $84
RAV4 Limited 4WD $184 $332 $358 $22 $108 $1,004 $84
RAV4 Limited 4WD $184 $332 $358 $22 $108 $1,004 $84
RAV4 Limited 2WD $184 $332 $358 $22 $108 $1,004 $84
Get Your Own Custom Quote Go

Data rating is based on married female driver age 50, no speeding tickets, no at-fault accidents, $500 deductibles, and Texas minimum liability limits. Discounts applied include multi-vehicle, claim-free, multi-policy, homeowner, and safe-driver. Prices do not factor in specific zip code location which can modify coverage prices substantially.

The example below illustrates how choosing a deductible and can raise or lower Toyota Rav4 annual premium costs for different categories of driver ages. The premiums assume a single female driver, full physical damage coverage, and no additional discounts are factored in.

Annual premiums comparing men and women in San Antonio

The example below visualizes the comparison of Toyota Rav4 auto insurance rates for male and female drivers. The prices are based on no tickets, no at-fault accidents, full physical damage coverage, $1,000 deductibles, drivers are single, and no discounts are applied to the premium.

How much more does full coverage cost?

The example below compares Toyota Rav4 insurance costs with full physical damage coverage compared to only buying the minimum liability limits required in Texas. The information is based on no claims or violations, $250 deductibles, drivers are not married, and no additional discounts are factored in.

When to stop paying for full coverage

There is no definitive guideline to drop physical damage coverage on your policy, but there is a guideline you can consider. 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 want to consider buying only liability coverage.

For example, let’s pretend your Toyota Rav4 replacement cost is $8,000 and you have $1,000 physical damage deductibles. If your vehicle is damaged in an accident, the most you would receive is $7,000 after the deductible is paid. If premium cost is more than $700 annually for comprehensive and collision coverage, the it may be a good time to stop paying for full coverage.

There are a few cases where buying only liability insurance is not recommended. If you haven’t satisfied your loan, you have to carry full coverage to satisfy the loan requirements. Also, if your emergency fund is not enough to purchase a different vehicle in the event your current vehicle is totaled, you should not consider dropping full coverage.

The Toyota Rav4 Insurance Rate Equation

Multiple criteria are part of the calculation when quoting car insurance. Some are pretty understandable such as your driving record, but other criteria are less apparent like your continuous coverage or your commute time. One of the most helpful ways to save on insurance is to to have a grasp of some of the factors that aid in calculating the level of your policy premiums. If you have a feel for what controls the rates you pay, this enables you to make decisions that can earn you lower premium levels.

The following are some of the most rate-impacting factors companies use to determine your prices.