Locating cheaper insurance for your Toyota Rav4 in Kansas can be a lot of work, but you can learn these tips and make it easy.
There are more efficient ways to find auto insurance online so you're going to learn the absolute fastest way to quote coverages for a Toyota and find the best price possible from both online companies and Wichita agents.
Getting quotes for affordable protection in Wichita is not as hard as you think. If you're already insured or need new coverage, you will benefit by learning to save money without reducing protection. Drivers just have to know the best way to compare different rates from many different companies.
The following companies offer free quotes in Kansas. If several companies are displayed, we recommend you visit several of them to find the lowest car insurance rates.
|Model||Comp||Collision||Liability||Medical||UM/UIM||Annual Premium||Monthly Premium|
|RAV4 Sport 2WD||$180||$300||$286||$16||$86||$868||$72|
|RAV4 Sport 2WD||$246||$446||$286||$16||$86||$1,080||$90|
|RAV4 Limited 4WD||$154||$294||$324||$20||$96||$888||$74|
|RAV4 Limited 2WD||$136||$234||$286||$16||$86||$758||$63|
|RAV4 Limited 2WD||$206||$300||$376||$22||$112||$1,016||$85|
|RAV4 Limited 2WD||$134||$270||$346||$20||$104||$874||$73|
|RAV4 Limited 4WD||$242||$512||$346||$20||$104||$1,224||$102|
|RAV4 Sport 4WD||$216||$428||$346||$20||$104||$1,114||$93|
|RAV4 Sport 4WD||$140||$256||$274||$16||$82||$768||$64|
|RAV4 Limited 4WD||$132||$230||$292||$18||$88||$760||$63|
|RAV4 Limited 4WD||$212||$436||$300||$18||$90||$1,056||$88|
|RAV4 Limited 2WD||$106||$194||$270||$16||$80||$666||$56|
|Get Your Own Custom Quote Go|
Data variables include married female driver age 50, no speeding tickets, no at-fault accidents, $1,000 deductibles, and Kansas minimum liability limits. Discounts applied include homeowner, safe-driver, claim-free, multi-policy, and multi-vehicle. Table data does not factor in vehicle garaging location which can influence premiums considerably.
Impact of violations and accidents on rates in Wichita
The illustration below illustrates how speeding tickets and at-fault collisions influence Toyota Rav4 insurance costs for different age groups. Data assumes a married female driver, comprehensive and collision coverage, $100 deductibles, and no policy discounts are applied.
Auto insurance is not optional in Kansas
Despite the high cost, buying auto insurance is required in Kansas but it also protects you in many ways.
First, almost all states have compulsory liability insurance requirements which means you are required to buy a specific minimum amount of liability insurance in order to be legal. In Kansas these limits are 25/50/10 which means you must have $25,000 of bodily injury coverage per person, $50,000 of bodily injury coverage per accident, and $10,000 of property damage coverage.
Second, if you have a lien on your vehicle, almost every bank will make it a condition of the loan that you have comprehensive coverage to guarantee their interest in the vehicle. If you do not keep the policy in force, the bank may insure your Toyota at a significantly higher premium and force you to pay for it.
Third, auto insurance protects both your car and your personal assets. It also can pay for all forms of medical expenses for you, any passengers, and anyone injured in an accident. One policy coverage, liability insurance, also covers all legal expenses up to the policy limit if you cause an accident and are sued. If damage is caused by hail or an accident, collision and comprehensive coverages will pay to repair the damage minus the deductible amount.
The benefits of buying auto insurance are without a doubt worth the cost, especially with large liability claims. An average driver in America is overpaying over $869 every year so you should quote and compare rates at least once a year to ensure rates are competitive.
How do Insurers Determine Toyota Rav4 Insurance Premiums?
Many factors are part of the equation when premium rates are determined. Some factors are common sense such as your driving record, but some are less obvious such as whether you are married or your vehicle rating.
The factors shown below are some of the things used by your company to calculate prices.
Fewer miles means better costs - The more you drive your Toyota every year the higher your rates will be. A lot of insurance companies charge to insure your cars based upon how much you drive. Cars that do not get driven very much can get a lower rate than cars that get driven a lot. It's always a good idea to double check that your vehicle rating correctly shows annual mileage. Incorrect rating for your Rav4 is throwing money out the window.
Lower rates for safer vehicles - Vehicles with high crash test scores tend to be cheaper to insure. Vehicles engineered for safety help reduce the chance of injuries in an accident and lower injury rates means lower claim amounts which can mean better rates for you. If the Toyota Rav4 has ratings of a minimum an "acceptable" rating on the Insurance Institute for Highway Safety website or four stars on the National Highway Traffic Safety Administration website you may be receiving a better rate.
Liability insurance - Liability insurance will provide protection if ever a court rules you are at fault for causing personal injury or damage in an accident. Liability provides legal defense coverage which can cost thousands of dollars. Liability insurance is quite affordable compared to physical damage coverage, so insureds should have plenty of protection for their assets.
Prevent theft and save - Driving a car with an alarm system can help lower your rates. Advanced theft deterrents like tamper alarm systems, vehicle immobilizer technology and General Motors OnStar all help prevent auto theft and help lower rates.
More stress means more cost - Careers such as military personnel, social workers and dentists tend to pay the highest average rates attributed to stressful work requirements and lots of time spent away from family. On the other hand, professions such as actors, historians and retirees pay the least.
Multiple policies with one company can save - Lots of car insurance companies afford a discount to insureds that have more than one policy, otherwise known as a multi-policy discount. Even if you qualify for this discount already, it's still a good idea to shop around to guarantee you are still saving the most. You may still save money by buying insurance from more than one company.
Add-on coverages you don't use - Insurance policies have a lot of additional extra coverages that you can buy but may not be useful. Add-on coverages like coverage for rental cars, towing, and motor club memberships may be wasting your money. The coverages may be enticing when discussing your needs, but if you don't need them remove them and pocket the money.
High performance equals high prices - The make and model of the car or truck you are insuring makes a huge difference in how high your rates are. The lowest premiums will generally be found on low performance passenger cars, but many other things help determine your insurance rates. Since the Toyota Rav4 is a compact SUV, insuring your vehicle will cost the same to a little lower when compared to the average rates in Wichita.
Discounts for cheaper car insurance rates
Auto insurance companies don't necessarily list every policy discount very well, so here is a list some of the best known as well as the least known discounts that you can inquire about if you buy Wichita car insurance online.
- Discounts for Seat Belt Usage - Using a seat belt and requiring all passengers to wear their seat belts can save 10% or more on the premium charged for medical payments and/or PIP.
- Passive Restraints - Vehicles with factory air bags or automatic seat belts can qualify for discounts of 25 to 30%.
- Low Miles Discount - Maintaining low annual mileage can earn lower car insurance rates on the low mileage vehicles.
- Early Renewal Discounts - Some companies reward drivers for buying a new policy prior to your current Rav4 insurance policy expiring. It can save you around 10%.
- Own a Home - Just being a homeowner can get you a discount because owning a home demonstrates responsibility.
It's important to understand that some credits don't apply to all coverage premiums. The majority will only reduce the cost of specific coverages such as comprehensive or collision. Just because you may think you can get free auto insurance, car insurance companies aren't that generous.
A few popular companies and their possible discounts are shown below.
- Progressive has savings for online signing, multi-vehicle, good student, homeowner, online quote discount, continuous coverage, and multi-policy.
- AAA offers discounts including multi-policy, pay-in-full, anti-theft, multi-car, education and occupation, good student, and good driver.
- Farmers Insurance may include discounts for bundle discounts, business and professional, multi-car, distant student, and mature driver.
- GEICO may offer discounts for emergency military deployment, multi-vehicle, driver training, military active duty, and good student.
- Esurance policyholders can earn discounts including emergency road assistance, good student, Pac-12 alumni, paid-in-full, online shopper, and DriveSense.
- SAFECO has discounts for safe driver, drive less, teen safety rewards, homeowner, and anti-lock brakes.
- State Farm offers premium reductions for defensive driving training, student away at school, good student, Drive Safe & Save, driver's education, and multiple autos.
If you want inexpensive Wichita car insurance quotes, ask every prospective company what discounts are available to you. Some discounts may not apply to policies in every state.
Local Wichita car insurance agents and insurance
Certain consumers just prefer to visit with an insurance agent and there is nothing wrong with that. Professional agents can help determine the best coverages and help you file claims. An additional benefit of price shopping on the web is the fact that drivers can get cheaper premium rates but still work with a licensed agent. Supporting local agencies is important particularly in Wichita.
To find an agent, once you fill out this short form, the quote information is sent to local insurance agents who will give you bids for your insurance coverage. It makes it easy because there is no need to find an agent on your own because quoted prices will be sent to the email address you provide. If you wish to get a comparison quote for a specific company, you just need to visit that company's website and fill out the quote form the provide.
Pick the best auto insurance agent in Wichita for you
If you prefer to buy insurance from a local insurance agency, there are two different agency structures that you can choose from. Insurance policy providers are categorized either independent or exclusive depending on the company they work for. Both can write policy coverage, but it's worth mentioning the difference between them because it may have an impact on the kind of agent you use.
Independent Agents (or Brokers)
Independent agencies are not locked into one company and that enables them to quote your coverage through many different insurance companies and get you the best rates possible. If you want to switch companies, your agent can switch companies which requires no work on your part. If you need cheaper insurance rates, you definitely need to get quotes from a couple of independent agencies to ensure the widest selection of prices. They also have the ability to place coverage with smaller companies which could offer lower prices.
Listed below is a partial list of independent agents in Wichita who can help you get rate quotes.
- M and M Insurance Associates
1700 E Douglas Ave - Wichita, KS 67214 - (316) 264-9317 - View Map
- Insurance Specialists Group, LLC
8415 E 21st St N #210 - Wichita, KS 67206 - (316) 440-4240 - View Map
- Kansas Life Insurance Agency Inc.
4510 W Central Ave - Wichita, KS 67212 - (316) 201-4207 - View Map
Exclusive Insurance Agencies
Exclusive insurance agents can only provide pricing for a single company such as American Family, State Farm, and AAA. They usually cannot shop your coverage around so they are skilled at selling on more than just price. These agents are highly trained on the products they sell which helps them sell on service rather than price. A lot of people buy from the same agent for years partially due to loyalty to the company rather than low price.
Below are Wichita exclusive agencies that are able to give price quotes.
- American Family Insurance - Jennifer Mabry
214 S Rock Rd Ste 107 - Wichita, KS 67207 - (316) 636-2020 - View Map
- Gary Thompson - State Farm Insurance Agent
3700 N Woodlawn St #104 - Wichita, KS 67220 - (316) 683-7548 - View Map
- Bill Kemp - State Farm Insurance Agent
7570 W 21st St, Bldg 1014 Ste B - Wichita, KS 67205 - (316) 721-4849 - View Map
Selecting an auto insurance agent shouldn't rely on just a cheap price quote. Any agent in Wichita should be willing to answer these questions.
- Will they take your side in the event of a claim?
- Are they full-time agents?
- Do they specialize in personal lines coverage in Wichita?
- Does the company allow you to choose your own collision repair facility?
- Where would glass claims be handled in Wichita?
- Does the company have a local claim office in Wichita?
- Can you get a list of referrals?
- Is their price quote a firm figure or are their hidden costs?
If you get good responses to any questions you may have and a good coverage price, you may have just found an auto insurance agent that is reputable and can insure your vehicles. Just be aware that you have the power to cancel your coverage whenever you want so don't assume you're contractually obligated to a specific agent for a certain time period.
Don't give up on affordable rates
We just presented many ways to save on Toyota Rav4 insurance in Wichita. The most important thing to understand is the more price quotes you have, the higher the chance of saving money. You may even find the best rates are with the least-expected company.
Consumers change insurance companies for a number of reasons such as unfair underwriting practices, denial of a claim, policy non-renewal and even extreme rates for teen drivers. It doesn't matter why you want to switch finding a great new company is easier than you think.
Some insurance providers don't offer rate quotes online and many times these smaller providers sell through independent agencies. More affordable insurance in Wichita is attainable from both online companies and from local insurance agents, so compare prices from both in order to have the best price selection to choose from.
Additional information can be read on the following sites:
- Car Insurance: When not to Skimp (BankRate.com)
- Who Has the Cheapest Kansas Auto Insurance for a Honda CR-V? (FAQ)
- Who Has Cheap Kansas Car Insurance for Teachers? (FAQ)
- What is the Cheapest Auto Insurance in Topeka, Kansas? (FAQ)
- Who Has Cheap Kansas Auto Insurance Rates for Felons? (FAQ)
- What is the Cheapest Car Insurance in Newton, Kansas? (FAQ)
- Which Company has the Cheapest Auto Insurance in Wichita, Kansas? (FAQ)
- Who Has Affordable Car Insurance Rates for Drivers Under 25 in Kansas? (FAQ)
- Safety Features for Your New Car (State Farm)
- Insurance Losses by Make and Model (iihs.org)
- Auto Insurance for Teen Drivers (Insurance Information Institute)
- Alcohol Impaired Driving FAQ (iihs.org)