Getting discount Columbia Toyota Rav4 insurance quotes may seem to be rather difficult for beginners to comparing rates online. With so many options of online companies available, how can you have time to compare the different rates to find the cheapest rates?
A recent auto insurance study revealed that most auto insurance customers have been with the same company for well over three years, and nearly half have never taken the time to shop around. Drivers in Columbia could save roughly 55% a year just by getting comparison quotes, but most tend to underestimate the amount of savings they would get if they changed companies.
You should take the time to compare rates as often as possible because prices go up and down regularly. Despite the fact that you may have had the best price on Toyota Rav4 insurance in Columbia at your last renewal other companies may now be cheaper. There are lots of tips to save on Rav4 insurance on the internet, but in just a couple of minutes you can learn some great ideas on how to lower your auto insurance rates in Columbia.
Most companies like GEICO, State Farm and Progressive make it easy to get price estimates from their websites. Getting online rates for Toyota Rav4 insurance in Columbia is quite easy because it's just a matter of typing in your coverage preferences as detailed in the form. Upon sending the form, their quoting system gets information on your driving record and credit history and quotes a price based on these and other factors.
Being able to quote online for Toyota Rav4 insurance in Columbia simplifies rate comparisons, and it's also necessary to perform this step in order to find the cheapest price.
To quickly compare pricing, compare quotes from the companies shown below. If you have your current policy handy, we recommend you copy the limits and deductibles as close as possible to your current policy. This way, you will receive a rate comparison for similar insurance coverage.
The companies in the list below have been selected to offer quotes in Columbia, SC. If multiple providers are shown, we suggest you visit several of them to get a more complete price comparison.
|Model||Comp||Collision||Liability||Medical||UM/UIM||Annual Premium||Monthly Premium|
|RAV4 Sport 2WD||$208||$352||$348||$20||$104||$1,032||$86|
|RAV4 Sport 2WD||$158||$274||$348||$20||$104||$904||$75|
|RAV4 Limited 4WD||$210||$412||$412||$24||$124||$1,182||$99|
|RAV4 Limited 2WD||$226||$436||$358||$22||$108||$1,150||$96|
|RAV4 Limited 2WD||$226||$440||$320||$18||$96||$1,100||$92|
|RAV4 Limited 2WD||$244||$358||$448||$26||$134||$1,210||$101|
|RAV4 Limited 4WD||$240||$408||$352||$20||$106||$1,126||$94|
|RAV4 Sport 4WD||$168||$304||$328||$20||$98||$918||$77|
|RAV4 Sport 4WD||$268||$488||$352||$20||$106||$1,234||$103|
|RAV4 Limited 4WD||$208||$352||$348||$20||$104||$1,032||$86|
|RAV4 Limited 4WD||$214||$358||$342||$20||$102||$1,036||$86|
|RAV4 Limited 2WD||$184||$352||$358||$22||$108||$1,024||$85|
|Get Your Own Custom Quote Go|
Data assumes married female driver age 40, no speeding tickets, no at-fault accidents, $500 deductibles, and South Carolina minimum liability limits. Discounts applied include multi-vehicle, homeowner, safe-driver, claim-free, and multi-policy. Rate quotes do not factor in specific location information which can lower or raise premiums considerably.
Rate difference between full and liability-only coverage
The example below shows the difference between Toyota Rav4 premium costs with full coverage compared to only the South Carolina minimum liability coverage. The premiums assume no claims or driving citations, $250 deductibles, single male driver, and no discounts are factored in.
When to stop buying physical damage coverage
There is no clear-cut rule to exclude comp and collision coverage, but there is a guideline you can use. If the yearly cost of full coverage is more than around 10% of the replacement cost minus the deductible, then it might be time to buy liability only.
For example, let's say your Toyota Rav4 replacement cost is $6,000 and you have $1,000 policy deductibles. If your vehicle is severely damaged, the most you would receive is $5,000 after you pay the deductible. If you are paying more than $500 annually for comprehensive and collision coverage, then it may be the right time to buy liability only.
There are a few situations where dropping physical damage coverage is not a good plan. If you still owe a portion of the original loan, you have to carry full coverage as part of the loan conditions. Also, if your emergency fund is not enough to purchase a different vehicle if your current one is in an accident, you should keep full coverage.
How high should deductibles be?
The chart below illustrates how choosing a deductible and can affect Toyota Rav4 insurance costs for different insured age categories. The information is based on a single male driver, comp and collision included, and no discounts are applied.
Auto insurance quotes from local Columbia insurance agents
Many people just prefer to talk to a local agent and we recommend doing that One of the great benefits of getting online price quotes is you can get lower car insurance rates but still work with a licensed agent. Buying from local insurance agents is important especially in Columbia.
Once you complete this form (opens in new window), your insurance data is transmitted to local insurance agents who will return price quotes for your coverage. It simplifies rate comparisons since you won't have to drive around as quotes are delivered instantly to you. You can find the lowest rates and a licensed agent to talk to. If you wish to compare rates from a particular provider, feel free to search and find their rate quote page and give them your coverage information.
When looking for a reliable agent, it's helpful to know the different agency structures that you can select. Agents can be described as either independent agents or exclusive agents depending on their employer.
Independent Agencies or Brokers
Agents that elect to be independent are not locked into one company so they have the ability to put coverage through lots of different companies and find the cheapest rate. To transfer your coverage to a different company, an independent agent can move your coverage and you can keep the same agent.
If you need cheaper auto insurance rates, you definitely need to include rate quotes from several independent insurance agents so that you have a good selection of quotes to compare. Most independent agents also contract with small regional insurance companies which can save you money.
Listed below is a short list of independent insurance agencies in Columbia that may be able to give you free price quotes.
- Nationwide Insurance: Consultative Ins Grp Inc
776 St Andrews Rd - Columbia, SC 29210 - (803) 772-6969 - View Map
- Giles Insurance Agency
2442 Devine St - Columbia, SC 29205 - (803) 728-3318 - View Map
- Russell-Massey and Company
1320 Elmwood Ave - Columbia, SC 29201 - (803) 779-7854 - View Map
Exclusive agencies can usually just insure with one company such as Farmers Insurance, State Farm, or Allstate. They generally cannot provide rate quotes from other companies so keep that in mind. They are very knowledgeable on sales techniques which helps them sell insurance even at higher premiums. A lot of people use the same exclusive agent mainly due to the brand instead of buying on price only.
Listed below are exclusive insurance agents in Columbia willing to provide rate quotes.
- Jimmy Gilbert Jr - State Farm Insurance Agent
1303 Assembly St Ste A - Columbia, SC 29201 - (803) 799-3077 - View Map
- Theresa Miley - State Farm Insurance Agent
452 W Killian Rd d - Columbia, SC 29203 - (803) 764-6779 - View Map
- Gary Williamson - State Farm Insurance Agent
132 Harbison Blvd #100 - Columbia, SC 29212 - (803) 749-1279 - View Map
Deciding on a car insurance agent should include more criteria than just a cheap price quote. These questions are important to ask:
- What will you get paid if your car is a total loss? How is that amount determined?
- Do you qualify for any additional discounts?
- Is vehicle damage repaired with OEM or aftermarket parts?
- Do they reduce claim amounts on high mileage vehicles?
- Are there any hidden costs in their price quote and does it include driving and credit history?
- Does the agency have a current Errors and Omissions policy?