Trying to come up with a payment for overpriced auto insurance can sap your budget and force you to cut corners elsewhere. Comparing rate quotes is free, only takes a few minutes, and is a good way to tighten up your finances.
It’s a known fact that insurance companies don’t want you to compare rates. Consumers who compare rates once a year will, in all likelihood, switch to a new company because there is a great chance of finding a lower rate. A survey found that people who shopped around every year saved on average $860 a year compared to people who don’t regularly compare prices.
If finding discount rates on Toyota Avalon insurance is why you’re reading this, then having some knowledge of how to quote prices and compare insurance premiums can help you be more efficient.
Companies like State Farm, Allstate, GEICO and Progressive increase brand awareness with advertising and it can be hard to ignore the promise of big savings and take the time to shop coverage around.
It’s important to shop coverage around before your next renewal because auto insurance prices are adjusted regularly by insurance companies. Just because you had the lowest rate on Toyota Avalon insurance in San Antonio two years ago you will most likely find a better premium rate today. Block out anything you think you know about auto insurance because you’re about to find out one of the easiest ways to lower your rates without sacrificing coverage.
If you have auto insurance now, you will most likely be able to get lower rates using the ideas presented in this article. Buying the cheapest auto insurance in San Antonio can be made easier if you know where to look. But Texas drivers should learn how the larger insurance companies compete online and use this information to your advantage.
Discounts for affordable car insurance quotes
Buying car insurance is not cheap, but you might find some hidden discounts to help bring down the price. Larger premium reductions will be automatically applied when you complete an application, but some discounts are required to be asked for prior to receiving the credit.
- Payment Discounts – By making one initial payment as opposed to paying monthly you could save up to 5%.
- Discount for Home Ownership – Owning a house in San Antonio can get you a discount due to the fact that maintaining a home is proof that your finances are in order.
- Senior Citizen Rates – If you qualify as a senior citizen, you can possibly qualify for a slight reduction on a San Antonio car insurance quote.
- Life Insurance Discount – Larger insurance companies have a lower car insurance rate if you buy some life insurance too.
- Passenger Safety Discount – Vehicles equipped with air bags and/or automatic seat belt systems could see savings of up to 25% or more.
A quick disclaimer, most discount credits are not given to your bottom line cost. Some only reduce the price of certain insurance coverages like comprehensive or collision. So when it seems like you can get free auto insurance, companies wouldn’t make money that way. Any qualifying discounts will bring down your overall bill.
The information below compares Toyota Avalon annual premium costs with and without policy discounts. The rate quotes are based on a female driver, no claims or violations, Texas state minimum liability limits, full physical damage coverage, and $500 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with multi-policy, homeowner, safe-driver, marriage, multi-car, and claim-free discounts applied.
Larger car insurance companies and their possible discounts can be found below.
- 21st Century policyholders can earn discounts including 55 and older, student driver, teen driver, early bird, driver training, good student, and theft prevention.
- State Farm may have discounts that include anti-theft, good driver, accident-free, multiple autos, driver’s education, and multiple policy.
- AAA has savings for good driver, pay-in-full, good student, multi-car, AAA membership discount, anti-theft, and education and occupation.
- Liberty Mutual may include discounts for hybrid vehicle, safety features, teen driver discount, multi-policy, newly retired, and newly married.
- Progressive has discounts for online signing, continuous coverage, multi-policy, online quote discount, multi-vehicle, and homeowner.
If you are trying to find affordable San Antonio car insurance quotes, ask each company or agent which credits you are entitled to. Discounts may not apply to policies in your state. If you would like to view insurance companies that can offer you the previously mentioned discounts in Texas, click this link.
To find the best auto insurance rates, there are several ways of comparing rates from auto insurance companies in your area. The easiest way to find affordable Toyota Avalon insurance rates is simply to get online rate quotes.
Comparing rate quotes online is fast and free, and it makes it a waste of time to waste gas driving to local insurance agencies. Quoting and buying Toyota Avalon insurance online can eliminate the need for a local agent unless you’re the type of person who wants the personal advice that only a licensed agent can provide. Drivers can get prices online and get advice from an agent in your area. When comparison shopping, making a lot of price comparisons helps locate the best rates. Some companies don’t provide price estimates online, so you also need to get prices from the smaller companies as well.
The companies in the list below are ready to provide quotes in San Antonio, TX. If multiple companies are shown, it’s a good idea that you compare several of them to get the best price comparison.
Toyota Avalon coverage analysis
The rate table displayed next covers estimates of coverage costs for Toyota Avalon models. Understanding more about how car insurance premiums are determined is important to be able to make informed purchases.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Avalon XL | $308 | $400 | $424 | $26 | $128 | $1,286 | $107 |
| Avalon XLS | $308 | $472 | $424 | $26 | $128 | $1,358 | $113 |
| Avalon Limited | $344 | $472 | $424 | $26 | $128 | $1,394 | $116 |
| Get Your Own Custom Quote Go | |||||||
Data based on single male driver age 30, no speeding tickets, no at-fault accidents, $500 deductibles, and Texas minimum liability limits. Discounts applied include multi-policy, claim-free, safe-driver, homeowner, and multi-vehicle. Information does not factor in vehicle location which can lower or raise insurance rates considerably.
Policy deductibles
One common question asked by San Antonio drivers is what deductibles to buy. The following tables highlight the rate fluctuation between low and high coverage deductibles. The first price estimate table uses a $250 deductible for comp and collision and the second set of rates uses a $1,000 deductible.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Avalon XL | $332 | $496 | $324 | $20 | $96 | $1,293 | $108 |
| Avalon XLS | $332 | $584 | $324 | $20 | $96 | $1,381 | $115 |
| Avalon Limited | $370 | $584 | $324 | $20 | $96 | $1,419 | $118 |
| Get Your Own Custom Quote Go | |||||||
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Avalon XL | $206 | $312 | $324 | $20 | $96 | $958 | $80 |
| Avalon XLS | $206 | $368 | $324 | $20 | $96 | $1,014 | $85 |
| Avalon Limited | $228 | $368 | $324 | $20 | $96 | $1,036 | $86 |
| Get Your Own Custom Quote Go | |||||||
Data variables include married male driver age 30, no speeding tickets, no at-fault accidents, and Texas minimum liability limits. Discounts applied include multi-policy, homeowner, safe-driver, multi-vehicle, and claim-free. Price information does not factor in garaging location in San Antonio which can modify price quotes considerably.
We can estimate from the data above that using a $250 deductible costs roughly $30 more each month or $360 every year than quoting the higher $1,000 deductible. Since you would pay $750 more if you file a claim with a $1,000 deductible as compared to a $250 deductible, if you normally go at least 25 months between claims, you would probably come out ahead if you elect the higher deductible.
How to calculate if a higher deductible is a good decision
| Average monthly premium for $250 deductibles: | $114 |
| Average monthly premium for $1,000 deductibles (subtract): | – $84 |
| Monthly savings from raising deductible: | $30 |
| Difference between deductibles ($1,000 – $250): | $750 |
| Divide difference by monthly savings: | $750 / $30 |
| Number of months required between physical damage coverage claims in order to save money by choosing the higher deductible | 25 months |
The example below demonstrates how choosing different deductibles and can raise or lower Toyota Avalon insurance premiums for different age groups. The rates are based on a single male driver, full coverage, and no other discounts are factored in.
Impact of violations and accidents on rates
The diagram below demonstrates how citations and at-fault fender-benders influence Toyota Avalon auto insurance costs for different ages of insureds. The premiums assume a married male driver, full coverage, $500 deductibles, and no policy discounts are applied.
Yearly auto insurance costs for men versus women
The chart below illustrates the difference between Toyota Avalon insurance premiums for male and female drivers. The premium estimates are based on no driving violations, no at-fault accidents, comp and collision included, $250 deductibles, drivers are single, and no policy discounts are applied.
Shop online but buy locally
A small number of people still like to talk to an insurance agent and often times that is recommended One of the great benefits of getting online price quotes is that you can find cheap insurance rates and still choose a local agent.
By using this form (opens in new window), your insurance data is instantly submitted to participating agents in San Antonio that give free quotes for your business. It simplifies rate comparisons since you won’t have to drive around due to the fact that quote results will go immediately to you. It’s the lowest rates and a licensed agent to work with. If you wish to compare rates for a specific company, don’t hesitate to navigate to their website and complete a quote there.
Finding the right insurance company needs to be determined by more than just the premium amount. Any agent in San Antonio should be willing to answer these questions.
- Is the agent properly licensed in Texas?
- Which company do they place the most coverage with?
- Will you work with the agent or an assistant?
- Are claims handled at the agent’s location?
- Do they get paid more for recommending certain coverages?
- Are they involved in claim handling?
The different types of auto insurance agents
If you want a reputable agency, you must know there are a couple types of insurance agents that you can select. Insurance agents are either independent (non-exclusive) or exclusive.
Exclusive Insurance Agents
Exclusive agencies can only place business with one company like Farmers Insurance, State Farm, Allstate, and AAA. These agents are not able to provide other company’s prices so keep that in mind. Exclusive agencies are usually well trained on the products they sell which helps them sell on service rather than price.
The following are San Antonio exclusive agencies who can help you get price quote information.
Tom Fladd – State Farm Insurance Agent
9023 Huebner Rd #108 – San Antonio, TX 78240 – (210) 684-5253 – View Map
Luis Corral – State Farm Insurance Agent
4416 Ramsgate St #101 – San Antonio, TX 78230 – (210) 696-6324 – View Map
Rudy Patino – State Farm Insurance Agent
105 Renner Dr – San Antonio, TX 78201 – (210) 732-9219 – View Map
Independent Insurance Agencies
These type of agents are not employed by any specific company so they have the ability to put coverage through many companies and potentially find a lower price. If they find a cheaper price, the agent simply finds a different carrier and you don’t have to do anything. If you are trying to find cheaper rates, we recommend you include at least one independent agent so that you can do a thorough price comparison.
Listed below is a list of independent insurance agencies in San Antonio that are able to give comparison quotes.
Ellis Insurance Agency
15335 San Pedro Ave – San Antonio, TX 78232 – (210) 979-9000 – View Map
San Antonio Insurance Agency
1100 NE Interstate 410 Loop – San Antonio, TX 78209 – (210) 822-2590 – View Map
IBC Insurance Agency Ltd
5300 Walzem Rd – San Antonio, TX 78218 – (210) 646-9870 – View Map
Find cheaper rates by being thorough
Discount Toyota Avalon insurance in San Antonio is definitely available online and from local agencies, and you should be comparing both in order to have the best price selection to choose from. Some companies do not offer the ability to get quotes online and these small insurance companies prefer to sell through independent insurance agents.
While you’re price shopping online, it’s a bad idea to reduce needed coverages to save money. In many cases, someone sacrificed uninsured motorist or liability limits only to regret at claim time that it was a big error on their part. The proper strategy is to purchase a proper amount of coverage at an affordable rate, but don’t skip important coverages to save money.
Much more information about car insurance in Texas is located below:
- Auto Insurance for Teen Drivers (Insurance Information Institute)
- What Auto Insurance is Cheapest for a Ford Explorer in San Antonio? (FAQ)
- What Car Insurance is Cheapest for a GMC Acadia in San Antonio? (FAQ)
- What is Gap Insurance? (Insurance Information Institute)
- How Can I Save Money on Auto Insurance? (Insurance Information Institute)
- Alcohol Impaired Driving FAQ (iihs.org)
- Determining Your Vehicle’s Value and Repair Cost (Insurance Information Institute)