The preferred way to save money on Toyota Avalon insurance is to compare prices annually from different companies who provide auto insurance in Santa Ana. Price quotes can be compared by following these steps.
- Step 1: It will benefit you to learn about the different coverages in a policy and the changes you can make to keep rates in check. Many rating factors that result in higher prices like at-fault accidents and an unacceptable credit rating can be improved by making small lifestyle or driving habit changes. Continue reading for additional ideas to lower rates and find possible discounts that are available.
- Step 2: Compare price quotes from direct, independent, and exclusive agents. Direct companies and exclusive agencies can only quote rates from a single company like GEICO or Farmers Insurance, while independent agents can provide price quotes for a wide range of companies.
- Step 3: Compare the new rate quotes to your existing rates and see if there is a cheaper rate. If you can save some money and buy the policy, make sure there is no lapse between the expiration of your current policy and the new one.
The key thing to know about shopping around is to try to use the same liability limits and deductibles on every quote request and and to get rates from as many companies as possible. Doing this helps ensure a level playing field and and a good selection of different prices.
It's an obvious statement that car insurance companies don't want you comparing rates. Drivers who shop around are very likely to move their business because there is a high probability of finding a lower-priced policy. Remarkably, a study showed that drivers who routinely shopped for cheaper coverage saved approximately $850 each year compared to drivers who don't make a habit of comparing rates.
If finding the lowest rates on Toyota Avalon insurance is your ultimate goal, then having some knowledge of the best way to compare insurance coverage can save time, money, and frustration.
If you have insurance now or are shopping for new coverage, follow these tips to save money while maximizing coverage. This article will tell you how car insurance works and some money-saving tips. Drivers just need to know the quickest method to compare rates from many companies at once.
Reducing your Toyota Avalon insurance rates is not rocket science. Drivers just need to take the time to get quotes to discover which company has low cost Santa Ana car insurance quotes.
The auto insurance companies shown below are our best choices to provide quotes in California. If more than one company is shown, we suggest you visit several of them in order to find the most affordable rates.
Auto insurance does more than just protect your car
Even though Santa Ana Avalon insurance rates can get expensive, maintaining insurance may be required and benefits you in several ways.
- Most states have minimum mandated liability insurance limits which means you are required to buy specific minimum amounts of liability in order to be legal. In California these limits are 15/30/5 which means you must have $15,000 of bodily injury coverage per person, $30,000 of bodily injury coverage per accident, and $5,000 of property damage coverage.
- If you have a loan on your Toyota, it's guaranteed your bank will require you to buy full coverage to protect their interest in the vehicle. If coverage lapses or is canceled, the bank may buy a policy for your Toyota for a lot more money and make you pay for the expensive policy.
- Auto insurance protects not only your car but also your assets. Insurance will also pay for medical transport and hospital expenses incurred in an accident. Liability coverage also covers legal expenses if anyone sues you for causing an accident. If you have damage to your Toyota as the result of the weather or an accident, comprehensive and collision coverage will cover the repair costs.
The benefits of buying enough insurance more than offset the price you pay, especially with large liability claims. According to a survey of 1,000 drivers, the average driver overpays more than $750 every year so it's very important to do a rate comparison each time the policy renews to ensure rates are inline.
Coverage information
The data table shown below outlines detailed analysis of coverage prices for Toyota Avalon models. Learning a little about how premiums are calculated can help guide drivers when making informed coverage decisions.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Avalon XL | $370 | $672 | $424 | $26 | $128 | $1,620 | $135 |
| Avalon XLS | $370 | $792 | $424 | $26 | $128 | $1,740 | $145 |
| Avalon Limited | $412 | $792 | $424 | $26 | $128 | $1,782 | $149 |
| Get Your Own Custom Quote Go | |||||||
Data variables include single female driver age 50, no speeding tickets, no at-fault accidents, $100 deductibles, and California minimum liability limits. Discounts applied include claim-free, safe-driver, multi-vehicle, homeowner, and multi-policy. Rate information does not factor in Santa Ana location which can change coverage prices noticeably.
Physical damage deductibles
When buying auto insurance, a common question is how high should the physical damage deductibles be. The tables below highlight the differences in price when you choose different physical damage deductibles. The first data table uses a $100 deductible for physical damage and the second set of rates uses a $500 deductible.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Avalon XL | $430 | $686 | $376 | $22 | $112 | $1,651 | $138 |
| Avalon XLS | $430 | $810 | $376 | $22 | $112 | $1,775 | $148 |
| Avalon Limited | $478 | $810 | $376 | $22 | $112 | $1,823 | $152 |
| Get Your Own Custom Quote Go | |||||||
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Avalon XL | $314 | $464 | $376 | $22 | $112 | $1,288 | $107 |
| Avalon XLS | $314 | $546 | $376 | $22 | $112 | $1,370 | $114 |
| Avalon Limited | $348 | $546 | $376 | $22 | $112 | $1,404 | $117 |
| Get Your Own Custom Quote Go | |||||||
Price data assumes married male driver age 30, no speeding tickets, no at-fault accidents, and California minimum liability limits. Discounts applied include homeowner, multi-policy, safe-driver, claim-free, and multi-vehicle. Price information does not factor in Santa Ana location which can change price quotes considerably.
Based on these figures, using a $100 deductible costs an average of $33 more each month or $396 a year across all Toyota Avalon models than selecting the higher $500 deductible. Because you would be required to pay $400 more out of your own pocket with a $500 deductible as compared to a $100 deductible, if you tend to average at least 12 months between claims, you would more than likely save some money by selecting a higher deductible. Here is an example of how you can come to your own conclusion.
| Average monthly premium for $100 deductibles: | $146 |
| Average monthly premium for $500 deductibles (subtract): | - $113 |
| Monthly savings from raising deductible: | $33 |
| Difference between deductibles ($500 - $100): | $400 |
| Divide difference by monthly savings: | $400 / $33 |
| Number of months required between physical damage coverage claims in order to save money by choosing the higher deductible | 12 months |
The information below shows how choosing a deductible and can affect Toyota Avalon insurance prices for different categories of driver ages. The rates are based on a married female driver, comp and collision included, and no additional discounts are factored in.
Careless drivers pay higher rates
The illustration below highlights how traffic violations and at-fault claims drive up Toyota Avalon insurance premiums for different categories of driver ages. The rate quotes are based on a single female driver, comprehensive and collision coverage, $100 deductibles, and no additional discounts are factored in.
Toyota Avalon insurance rates by gender in Santa Ana
The information below compares Toyota Avalon car insurance costs for male and female drivers. The price estimates are based on no violations or claims, full coverage, $500 deductibles, drivers are not married, and no discounts are taken into consideration.
Verify you're getting every discount
Auto insurance is not cheap nor is it fun to buy but there's a good chance there are discounts to help bring down the price. Some discounts apply automatically at the time you complete a quote, but some discounts are required to be requested specifically before you get the savings.
- Student Driver Training - Cut your cost by having your teen driver successfully take a driver's education course if it's offered in school.
- Discount for New Cars - Insuring a new Avalon can be considerably cheaper because new vehicles keep occupants safer.
- Early Payment Discounts - By paying your policy upfront rather than spreading payments over time you may have a lower total premium amount.
- Clubs and Organizations - Participating in a professional or civic organization could qualify you for a break on your next auto insurance statement.
- Discounts for Federal Employees - Federal government employees may qualify for a discount when you quote Santa Ana car insurance depending on your company.
- Low Mileage Discounts - Keeping the miles down on your Toyota could qualify for lower auto insurance rates on the low mileage vehicles.
- Multi-line Discount - Select insurance companies reward you with a small discount if you purchase some life insurance in addition to your auto policy.
It's important to understand that many deductions do not apply to all coverage premiums. Some only reduce individual premiums such as physical damage coverage or medical payments. So when the math indicates adding up those discounts means a free policy, you aren't that lucky.
The example below shows the comparison of Toyota Avalon auto insurance rates with and without some available policy discounts. The rate quotes are based on a female driver, no claims or driving violations, California state minimum liability limits, full physical damage coverage, and $100 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with multi-car, multi-policy, claim-free, safe-driver, marriage, and homeowner discounts applied.
A few of the larger companies and a selection of discounts can be found below.
- Mercury Insurance includes discounts for annual mileage, good student, multi-policy, good driver, age of vehicle, multi-car, and anti-theft.
- Farmers Insurance has savings for early shopping, youthful driver, bundle discounts, teen driver, and business and professional.
- Farm Bureau offers premium reductions for 55 and retired, multi-vehicle, driver training, multi-policy, safe driver, and youthful driver.
- State Farm may have discounts that include multiple autos, Drive Safe & Save, good student, driver's education, and accident-free.
- Allstate has discounts for good payer, EZ pay plan discount, anti-lock brakes, premier discount, economy car, eSmart discount, and premier plus.
- GEICO may offer discounts for military active duty, anti-theft, five-year accident-free, good student, seat belt use, and daytime running lights.
When getting a coverage quote, ask all the companies how you can save money. A few discounts might not be available to policyholders in Santa Ana. To find companies with the best Toyota Avalon insurance discounts in Santa Ana, click this link.
Neighborhood Santa Ana auto insurance agents
A lot of people just prefer to get advice from a local agent and we recommend doing that Good insurance agents can point out coverage gaps and give you someone to call. An additional benefit of price shopping on the web is you may find the lowest rates and still choose a local agent. Putting coverage with local insurance agencies is important especially in Santa Ana.
To help locate an agent, after submitting this quick form, the quote information gets sent to local insurance agents that can give you free Santa Ana car insurance quotes for your business. It simplifies rate comparisons since you won't have to do any legwork since rate quotes are delivered directly to your email. If you have a need to get a price quote from a specific company, feel free to go to their quote page and complete a quote there.
When finding a reliable insurance agency, you should know the different agency structures and how they can service your needs differently. Agents are classified as either exclusive or independent. Both sell and service insurance coverage, but it's a good idea to understand how they are different because it may have an impact on your agent selection.
Independent Insurance Agents (or Brokers)
Agents in the independent channel are not employed by one company and that gives them the ability to insure amongst many companies and find you cheaper rates. If they quote lower rates, they simply switch companies in-house and you don't have to switch agencies.
When shopping rates, you need to check rates from at a minimum one independent agency to get the best comparison. They also have the ability to place coverage with companies you've never heard of that many times have cheaper rates.
Listed below are Santa Ana independent agencies who may provide free insurance quotes.
- FIRST HOME INSURANCE AGENCY
1522 E 4th St - Santa Ana, CA 92701 - (714) 560-8835 - View Map - Ammar Insurance Agency
726 S Main St - Santa Ana, CA 92701 - (714) 547-2400 - View Map - Nuway Insurance Agency Inc.
410 N Bristol St - Santa Ana, CA 92703 - (714) 953-2117 - View Map
Exclusive Insurance Agencies
Agents that elect to be exclusive write business for a single company and examples are State Farm, Allstate, and Farm Bureau. Exclusive agencies are unable to provide prices from multiple companies so they have to upsell other benefits. Exclusive agents are usually well trained in insurance sales which can be an advantage. Drivers often purchase coverage from exclusives partially due to the prominent brand name rather than low rates.
Shown below are exclusive agents in Santa Ana willing to provide price quote information.
- Farmers Insurance - Daniel Canzone
2323 N Tustin Ave, Ste E-F - Santa Ana, CA 92705 - (714) 203-6033 - View Map - Farmers Insurance: Ray Cheng Insurance Agency Inc.
540 N Golden Cir Dr #315 - Santa Ana, CA 92705 - (888) 395-4847 - View Map - Allstate Insurance: Jorge Bendeck
3929 S Bristol St Ste 201 - Santa Ana, CA 92704 - (714) 832-3900 - View Map
Selecting a car insurance agent shouldn't rely on just the price. These are some valid questions you should ask.
- Can they help ensure a fair claim settlement?
- Who is covered by the car insurance policy?
- Does the agent have professional designations like CIC, CPCU or AIC?
- Are there any discounts for paying up front?
- Do they write coverage based solely on cost?
- Do they have 24-hour customer assistance?
- Do they specialize in personal lines coverage in Santa Ana?
- What kind of financial rating does the company have?
Insurance agents can help
Keep in mind that when it comes to choosing your policy for your personal vehicles, there really isn't a best way to insure your cars. Everyone's situation is a little different.
Here are some questions about coverages that might help in determining if your insurance needs could use an agent's help.
- When should I buy a commercial auto policy?
- What discounts do I qualify for?
- Where can I find DUI or SR-22 insurance?
- Can I make deliveries for my home business?
- Are rock-chip repairs free?
- Am I covered if I hit my neighbor's mailbox?
- Is a driver training discount available?
If you don't know the answers to these questions but one or more may apply to you, you may need to chat with an insurance agent. To find an agent in your area, simply complete this short form. It's fast, free and can provide invaluable advice.
Smart consumers save more
Some insurance providers may not offer rate quotes online and many times these regional carriers only sell through independent agencies. Cost effective Toyota Avalon insurance can be found both online in addition to local insurance agencies, so you should compare both in order to have the best chance of saving money.
Insureds leave their current company for a variety of reasons including poor customer service, extreme rates for teen drivers, an unsatisfactory settlement offer and even being labeled a high risk driver. It doesn't matter what your reason, finding a new company can be pretty painless.
In this article, we covered a lot of ways to reduce Toyota Avalon insurance prices online in Santa Ana. The most important thing to understand is the more price quotes you have, the higher your chance of finding affordable Santa Ana car insurance quotes. Consumers may even find the lowest priced insurance comes from a smaller regional carrier.
Additional detailed information can be found by following these links:
- Top Signs Your Brakes are Giving Out (State Farm)
- Who Has Affordable Auto Insurance Rates for Safe Drivers in Santa Ana? (FAQ)
- Who Has the Cheapest Auto Insurance Quotes for Electric Cars in Santa Ana? (FAQ)
- Who Has Affordable Santa Ana Car Insurance Rates for Real Estate Agents? (FAQ)
- Who Has Affordable Santa Ana Auto Insurance Quotes for Drivers with Bad Credit? (FAQ)
- Who Has Affordable Santa Ana Car Insurance Quotes for a Toyota Camry? (FAQ)
- Auto Insurance 101 (About.com)
- Choosing an Insurance Company (Insurance Information Institute)