Would you prefer to buy cheaper Toyota Rav4 insurance in Reno? Comparing Reno auto insurance quotes online can seem complicated if you have never used online auto insurance quotes. But don't be confused because we're going to show you how to find affordable Toyota Rav4 in Reno.

Insurance rates Toyota Rav4 in RenoUnimaginable but true, nearly 70% of Nevada drivers have bought auto insurance from the same company for more than four years, and approximately 40% of consumers have never even compared quotes to find cheaper rates. American insurance shoppers could save roughly $859 a year just by shopping around, but most just don't grasp the benefits if they switched.

How do Insurance Companies Determine Toyota Rav4 Insurance Prices?

When buying auto insurance it's important to understand some of the things that go into determining your auto insurance rates. When consumers understand what controls the rates you pay, this allows you to make educated decisions that will entitle you to lower rates.

When shopping for the cheapest Toyota Rav4 rate quotes, there are a couple of ways to compare rate quotes from different Reno insurance companies. The easiest way by far to lower the rate you pay for Toyota Rav4 insurance involves getting comparison quotes online. When price shopping your coverage, comparing a large number of companies will increase your chances of finding lower pricing. Not every company does price estimates online, so you need to compare price estimates on coverage from those companies, too.

The providers in the list below can provide quotes in Reno, NV. If multiple providers are shown, we suggest you click on several of them to get the best price comparison.

Toyota Rav4 Insurance Cost Estimates in Reno, NV
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
RAV4 2WD $234 $462 $372 $22 $112 $1,202 $100
RAV4 2WD $228 $494 $348 $20 $104 $1,194 $100
RAV4 2WD $228 $470 $348 $20 $104 $1,170 $98
RAV4 4WD $258 $470 $314 $18 $94 $1,154 $96
RAV4 4WD $216 $370 $318 $18 $96 $1,018 $85
RAV4 Sport 2WD $194 $324 $308 $18 $92 $936 $78
RAV4 Sport 2WD $188 $318 $314 $18 $94 $932 $78
RAV4 Limited 4WD $166 $318 $324 $20 $96 $924 $77
RAV4 Limited 2WD $186 $366 $400 $24 $120 $1,096 $91
RAV4 Limited 2WD $144 $290 $372 $22 $112 $940 $78
RAV4 Limited 2WD $114 $210 $290 $18 $86 $718 $60
RAV4 Limited 4WD $114 $210 $290 $18 $86 $718 $60
RAV4 Sport 4WD $214 $398 $416 $24 $124 $1,176 $98
RAV4 Sport 4WD $134 $232 $318 $18 $96 $798 $67
RAV4 Limited 4WD $302 $478 $404 $24 $120 $1,328 $111
RAV4 Limited 4WD $234 $462 $372 $22 $112 $1,202 $100
RAV4 Limited 2WD $114 $214 $296 $18 $88 $730 $61
Get Your Own Custom Quote Go

Cost estimates assume married male driver age 50, no speeding tickets, no at-fault accidents, $1,000 deductibles, and Nevada minimum liability limits. Discounts applied include safe-driver, multi-policy, multi-vehicle, homeowner, and claim-free. Premium costs do not factor in specific garaging location which can modify coverage rates considerably.

Deductible analysis

The illustration below demonstrates how deductibles and can affect Toyota Rav4 insurance rates for each different age category. The premiums are based on a married female driver, full physical damage coverage, and no discounts are taken into consideration.

Auto insurance does more than just repair your car

Despite the potentially high cost of Toyota Rav4 insurance, paying for auto insurance serves several important purposes.

First, the majority of states have mandatory insurance requirements which means it is punishable by state law to not carry a specific level of liability insurance coverage if you drive a vehicle. In Nevada these limits are 15/30/10 which means you must have $15,000 of bodily injury coverage per person, $30,000 of bodily injury coverage per accident, and $10,000 of property damage coverage.

Second, if your Rav4 has a loan, it's most likely the lender will require that you have physical damage coverage to guarantee their interest in the vehicle. If you cancel or allow the policy to lapse, the bank or lender will purchase a policy for your Toyota for a lot more money and require you to pay for the much more expensive policy.

Third, insurance safeguards not only your Toyota but also your financial assets. Insurance will pay for medical bills that are the result of an accident. Liability coverage will also pay attorney fees if anyone sues you for causing an accident. If mother nature or an accident damages your car, your auto insurance policy will cover the damage repairs after a deductible is paid.

The benefits of buying enough insurance definitely exceed the cost, particularly when you have a large claim. As of last year, the average driver in Nevada is overpaying more than $700 annually so it's recommended you shop around at every policy renewal to ensure rates are inline.

Get discounts on Reno insurance

Insurance can be prohibitively expensive, but there could be available discounts that may help make it more affordable. A few discounts will automatically apply when you complete an application, but some must be specially asked for prior to receiving the credit.Cheaper insurance with discounts

One last thing about discounts, some of the credits will not apply to your bottom line cost. A few only apply to specific coverage prices like comp or med pay. Even though the math looks like you could get a free insurance policy, it doesn't quite work that way. Any qualifying discounts should help lower your policy premiums.

Insurance companies that may offer policyholders most of these discounts include:

If you want affordable Toyota Rav4 insurance quotes, ask all companies you are considering what discounts are available to you. Depending on the company, some discounts may not be offered in your state. To see a list of insurance companies who offer free Toyota Rav4 insurance quotes in Reno, click here.

What if I want to buy from local Reno insurance agencies?

Some consumers just want to buy from a licensed agent and we recommend doing that A good thing about comparing insurance online is the fact that drivers can get cheaper prices but still work with a licensed agent.

After completing this form (opens in new window), your information gets sent to insurance agents in Reno who will give you bids for your business. You don't have to leave your house due to the fact that quote results will go to you instantly. Get lower rates AND an agent nearby. If you have a need to compare prices from a specific company, you just need to visit that company's website and submit a quote form there.

Selecting an insurer shouldn't rely on just a low price. Any good agent in Reno should know the answers to these questions.

Do the work, save more money

People switch companies for a variety of reasons including delays in paying claims, poor customer service, extreme rates for teen drivers and questionable increases in premium. It doesn't matter what your reason, switching companies is not as hard as you think.

When you buy Reno auto insurance online, don't be tempted to skimp on critical coverages to save a buck or two. There have been many cases where someone dropped liability coverage limits only to find out that their decision to reduce coverage ended up costing them more. Your objective should be to get the best coverage possible for the lowest cost.

Lower-priced car insurance in Reno can be bought online and from local insurance agents, and you should be comparing both to have the best rate selection. A few companies do not provide online rate quotes and most of the time these small insurance companies work with independent insurance agents.

Additional detailed information can be found at these sites: