The best way to get the cheapest Toyota Avalon insurance in Scottsdale is to compare prices at least once a year from insurers that insure vehicles in Arizona. Rate comparisons can be done by following these steps.
Step 1: Take a little time to learn about car insurance and the measures you can control to prevent expensive coverage. Many policy risk factors that cause high rates like speeding and your credit history can be improved by improving your driving habits or financial responsibility. Keep reading for information to get better rates and find additional discounts.
Step 2: Quote rates from direct, independent, and exclusive agents. Exclusive and direct companies can only give rate quotes from one company like GEICO or State Farm, while agents who are independent can quote prices for many different companies.
Step 3: Compare the new rates to the price on your current policy to determine if switching companies saves money. If you can save money and switch companies, ensure coverage does not lapse between policies.
Step 4: Tell your current agent or company of your intention to cancel your current policy and submit payment along with a signed and completed policy application to the new insurer. Immediately upon receiving it, place your new proof of insurance paperwork somewhere easily accessible.
A crucial key to this process is that you use identical deductibles and limits on every quote and and to get prices from every insurance company. Doing this enables a fair price comparison and a better comparison of the market.
A study showed that over 70% of consumers have purchased from the same company for a minimum of four years, and practically 40% of insurance customers have never compared rate quotes at all. The average driver in America could cut their rates by up to $850 a year just by shopping around, but they won’t spend time to do a rate comparison.
Coverage information
The rate table shown next highlights detailed analysis of insurance rates for Toyota Avalon models. Understanding more about how premiums are determined can help drivers make decisions when shopping your coverage around.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Avalon XL | $224 | $386 | $240 | $14 | $72 | $936 | $78 |
| Avalon XLS | $224 | $456 | $240 | $14 | $72 | $1,006 | $84 |
| Avalon Limited | $250 | $456 | $240 | $14 | $72 | $1,032 | $86 |
| Get Your Own Custom Quote Go | |||||||
Price data assumes married female driver age 50, no speeding tickets, no at-fault accidents, $100 deductibles, and Arizona minimum liability limits. Discounts applied include safe-driver, homeowner, multi-vehicle, multi-policy, and claim-free. Prices do not factor in the specific area where the vehicle is garaged which can modify premium rates substantially.
The example below illustrates how your choice of deductibles and can impact Toyota Avalon insurance prices for each age group. The rate quotes are based on a single female driver, full coverage, and no discounts are factored in.
Should you buy full coverage?
The information below compares Toyota Avalon car insurance costs when comparing full coverage to state minimum liability only. The prices are based on no accidents or driving violations, $1,000 deductibles, drivers are single, and no discounts are applied.
When to stop paying for full coverage
There is no clear-cut rule to stop buying full coverage, but there is a general guideline. If the annual cost of coverage is about 10% or more of the settlement you would receive from your company, then you might consider buying liability only.
For example, let’s say your Toyota Avalon replacement value is $9,000 and you have $1,000 physical damage deductibles. If your vehicle is totaled, the most your company will settle for is $8,000 after paying your deductible. If premium cost is more than $800 a year for physical damage coverage, then you might consider buying liability only.
There are some circumstances where eliminating full coverage is not financially feasible. If you haven’t paid off your loan, you must maintain physical damage coverage in order to prevent the bank from purchasing higher-priced coverage. Also, if your finances do not allow you to purchase a different vehicle in the event your current vehicle is totaled, you should not eliminate full coverage.
Eight factors that influence insurance premiums
Part of the auto insurance buying process is learning the factors that aid in calculating the price you pay for auto insurance. If you know what influences your rates, this allows you to make educated decisions that could result in lower auto insurance prices.
The items below are a partial list of the pieces that factor into rates.
- Buy as much liability insurance as you can afford – A critical coverage on your policy, liability insurance kicks in when you are responsible for damages from an accident. This coverage provides for a legal defense starting from day one. Liability is cheap compared to physical damage coverage, so buy as much as you can afford.
- Do you really need the incidental coverages? – There are quite a few additional extra coverages that sound like a good idea at the time if you aren’t careful. Insurance for things like rental car reimbursement, death and dismemberment, and motor club memberships may not be needed and are just wasting money. They may seem good when you first buy your policy, but now you might not need them so remove them from your policy.
- Theft deterrents systems cut premiums – Owning a car with anti-theft technology or alarm system can save you a little every year. Advanced theft deterrents like OnStar found on GM vehicles, advanced tracking like LoJack, and vehicle immobilization systems can thwart car theft and help bring rates down.
- Get hitched and pay lower premiums – Getting married can actually save you money on auto insurance. Having a significant other usually means you are more responsible and it’s proven that married couples file fewer claims.
- Bump up coverage deductibles to lower rates – The deductibles you choose represent how much money you are willing to pay out-of-pocket if a covered claim is submitted. Physical damage protection, commonly called comprehensive (or other-than-collision) and collision coverage, covers damage that occurs to your car. Some examples of covered claims would be rear-ending another vehicle, damage from fire, or theft of your vehicle. The more you have to pay, the better rate you will receive.
- Lower rates with a multi-policy discount – The majority of insurers will award a discount to clients who have multiple policies with them such as combining an auto and homeowners policy. Even if you already get this discount, it’s always a smart idea to check prices from other companies to help ensure you have the lowest rates.
- Safer vehicles means lower rates – Cars with five star safety ratings get lower rates. Highly rated vehicles protect occupants better and lower rates of occupant injuries means your insurance company pays less and more competitive rates for policyholders.
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Experienced drivers save more – Young drivers in Arizona are statistically shown to be more careless when driving with friends so they pay higher auto insurance rates. Mature drivers are proven to be safer behind the wheel, tend to cause fewer accidents, and tend to be get fewer driving tickets.
The data below is based on a single driver, full coverage with $250 deductibles, and no discounts or violations.
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Toyota Avalon insurance claim data – Insurance companies analyze claim trends for every vehicle to help determine rates. Models that statistically have a trend towards higher claim severity or frequency will have a higher cost to insure. The information below illustrates the insurance loss data used by companies for Toyota Avalon vehicles.
For each coverage type, the statistical loss for all vehicles, regardless of make, model or trim level, is considered to be 100. Numbers that are below 100 are indicative of better than average losses, while values that are above 100 indicate higher probability of having a loss or a tendency for losses to be larger than average.
Insurance Loss Ratings for Toyota Avalon Vehicles Make and Model Collision Property Damage Comp Personal Injury Medical Payment Bodily Injury Toyota Avalon 113 72 112 106 98 74 Toyota Avalon Hybrid 120 72 132 107 85 80 BETTERAVERAGEWORSEData Source: Insurance Institute for Highway Safety for 2013-2015 Model Years
Cheaper car insurance rates are out there
When shopping online for car insurance, do not buy poor coverage just to save money. There are many occasions where an accident victim reduced physical damage coverage and learned later that the small savings ended up costing them much more. Your focus should be to buy the best coverage you can find at the best price, but don’t skip important coverages to save money.
Cheaper Toyota Avalon insurance in Scottsdale can be purchased on the web and with local Scottsdale insurance agents, and you should compare rates from both so you have a total pricing picture. There are still a few companies who do not provide rate quotes online and most of the time these regional insurance providers only sell through local independent agents.
We’ve covered quite a bit of information on how to save on Toyota Avalon insurance in Scottsdale. The most important thing to understand is the more price quotes you have, the more likely it is that you will get a better rate. You may even find the lowest rates are with a company that doesn’t do a lot of advertising.
More information is located below:
- Crash Avoidance Technologies FAQ (iihs.org)
- What Car Insurance is Cheapest for a Toyota Camry in Scottsdale? (FAQ)
- What Car Insurance is Cheapest for Police Officers in Scottsdale? (FAQ)
- How Much are Auto Insurance Rates for a Nissan Rogue in Scottsdale? (FAQ)
- What Insurance is Cheapest for Lyft Drivers in Scottsdale? (FAQ)
- How Much is Auto Insurance for a Jeep Grand Cherokee in Scottsdale? (FAQ)
- What Insurance is Cheapest for Postal Workers in Scottsdale? (FAQ)
- Understanding your Policy (NAIC.org)
- Senior Drivers (Insurance Information Institute)
- New head restraint design cuts injuries (Insurance Institute for Highway Safety)
- Vehicle Size and Weight FAQ (iihs.org)