No car owner fancies paying their premiums for insurance, especially when they are aware that they are paying too much.
It’s astonishing, but most drivers kept their policy with the same company for at least the last four years, and approximately 40% of consumers have never compared rates with other companies. Denver drivers could save themselves 35% a year by just shopping around, but they just don’t understand how easy it is to find lower-cost rates by getting comparison quotes.
Big-name insurance companies like State Farm, Progressive and GEICO all claim big savings with fancy advertisements and it can be hard to ignore the flashy ads and take the time to shop coverage around.
You should take the time to do price comparisons before your policy renews since prices tend to go up over time. Even if you think you had the best price on Toyota Rav4 insurance in Denver a few years ago you will most likely find a better rate quote today. Block out anything you think you know about insurance because you’re going to get a crash course in how to use online quotes to reduce your cost while increasing coverage.
If you have car insurance now, you stand a good chance to be able to reduce the price you pay using these methods. Finding affordable car insurance coverage in Denver is quite easy if you know the best way to do it. But Colorado vehicle owners do need to understand how companies calculate their prices because it can help you find the best coverage.
Affordable Toyota insurance price quotes in Denver
The following companies have been selected to offer price quotes in Colorado. If multiple companies are shown, we suggest you compare several of them in order to find the lowest rates.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| RAV4 2WD | $190 | $380 | $396 | $24 | $118 | $1,108 | $92 |
| RAV4 2WD | $276 | $502 | $362 | $22 | $108 | $1,270 | $106 |
| RAV4 2WD | $260 | $536 | $368 | $22 | $110 | $1,296 | $108 |
| RAV4 4WD | $168 | $288 | $352 | $20 | $106 | $934 | $78 |
| RAV4 4WD | $144 | $296 | $396 | $24 | $118 | $978 | $82 |
| RAV4 Sport 2WD | $294 | $536 | $358 | $22 | $108 | $1,318 | $110 |
| RAV4 Sport 2WD | $260 | $562 | $396 | $24 | $118 | $1,360 | $113 |
| RAV4 Limited 4WD | $244 | $454 | $474 | $28 | $142 | $1,342 | $112 |
| RAV4 Limited 2WD | $130 | $244 | $338 | $20 | $100 | $832 | $69 |
| RAV4 Limited 2WD | $310 | $458 | $460 | $28 | $138 | $1,394 | $116 |
| RAV4 Limited 2WD | $266 | $526 | $426 | $26 | $128 | $1,372 | $114 |
| RAV4 Limited 4WD | $212 | $388 | $338 | $20 | $100 | $1,058 | $88 |
| RAV4 Sport 4WD | $302 | $562 | $474 | $28 | $142 | $1,508 | $126 |
| RAV4 Sport 4WD | $302 | $546 | $352 | $20 | $106 | $1,326 | $111 |
| RAV4 Limited 4WD | $190 | $380 | $396 | $24 | $118 | $1,108 | $92 |
| RAV4 Limited 4WD | $212 | $416 | $456 | $28 | $136 | $1,248 | $104 |
| RAV4 Limited 2WD | $214 | $362 | $358 | $22 | $108 | $1,064 | $89 |
| Get Your Own Custom Quote Go | |||||||
Data based on married female driver age 30, no speeding tickets, no at-fault accidents, $500 deductibles, and Colorado minimum liability limits. Discounts applied include multi-policy, claim-free, multi-vehicle, safe-driver, and homeowner. Estimates do not factor in your specific Denver location which can change price quotes noticeably.
Toyota Rav4 insurance rates by age and gender
The chart below shows the comparison of Toyota Rav4 premium costs for male and female drivers. The data assumes no claims or driving citations, full physical damage coverage, $100 deductibles, single marital status, and no additional discounts are factored in.
Deductible comparison
The example below illustrates how your choice of deductibles and can raise or lower Toyota Rav4 yearly insurance costs for different ages of insureds. The costs are based on a single female driver, full physical damage coverage, and no policy discounts are applied.
Determine discounts on Denver car insurance
Auto insurance companies do not list every policy discount in a way that’s easy to find, so the list below contains both the well known and also the lesser-known credits that you can use to lower your rates.
- Accident Free – Drivers with accident-free driving histories pay less as compared to policyholders that have many claims.
- Include Life Insurance and Save – If the company offers life insurance, you could get better rates if you take out a life policy as well.
- Driver Education Discount – Reduce the cost of insurance for teen drivers by having them successfully complete driver’s ed class as it can save substantially.
- Multi-policy Discount – If you have multiple policies and place coverage with the same company you could get a discount of as much as 10 to 15 percent.
- First Accident Forgiveness – Not a discount per se, but some companies like State Farm, Progressive and GEICO will forgive one accident without raising rates if you have no claims for a certain period of time.
A little note about advertised discounts, most credits do not apply to the overall cost of the policy. Some only apply to the cost of specific coverages such as liability and collision coverage. Even though it appears having all the discounts means you get insurance for free, it just doesn’t work that way.
Car insurance companies that may offer policyholders most of the discounts above possibly include:
When getting free Denver auto insurance quotes, it’s a good idea to every prospective company which discounts can lower your rates. Some of the earlier mentioned discounts may not be available in Denver.
Insurance can get complicated
Always keep in mind that when comparing the right insurance coverage for your personal vehicles, there really is not a best way to insure your cars. Each situation is unique and a cookie cutter policy won’t apply. These are some specific questions might help in determining if your insurance needs will benefit from professional help.
- Is my dog or cat covered if injured in an accident?
- What should my uninsured motorist coverage limits be in Colorado?
- Should I get collision insurance on every vehicle?
- If my car is totalled with they pay enough to replace it?
- Why do I only qualify for high-risk insurance?
- How much can I save by bundling my policies?
- Do I have coverage when making deliveries for my home business?
- Does insurance cover tools stolen from my truck?
If you’re not sure about those questions, you may need to chat with a licensed insurance agent. To find lower rates from a local agent, complete this form or you can go here for a list of companies in your area.
Buying auto insurance from Denver insurance agents
Many drivers would prefer to get advice from a local agent and that is recommended in a lot of cases One of the great benefits of price shopping on the web is that drivers can save money and get cheap rate quotes and still buy from a local agent.
To help locate an agent, after submitting this form (opens in new window), your insurance data is immediately sent to participating agents in Denver who will give you bids to get your business. You don’t have to even leave your home as quotes are delivered directly to you. You can get cheaper auto insurance rates and a licensed agent to work with. If you want to compare rates from a specific insurance company, feel free to find their quoting web page and complete a quote there.
Selecting an insurance company should include more criteria than just a cheap price. These are valid questions to ask:
- How long have they been in business?
- Did they already check your driving record and credit reports?
- Will you be dealing directly with the agent or with a Custom Service Representative (CSR)?
- Do you have coverage for a rental car if your vehicle is in the repair shop?
- Are they in the agency full-time?
- Are claim adjusters local or do you have to take your car somewhere else?
- Can you get a list of referrals?
When searching for local Denver agents, you need to know there are two different types of agencies and how they can quote your rates. Denver agents may be either independent or exclusive depending on the company they work for.
Exclusive Agencies
These type of agents are contracted to one company and examples are Allstate, Farmers Insurance or State Farm. These agents are unable to provide rate quotes from other companies so you need to shop around if the rates are high. Exclusive agents are highly trained in insurance sales which can be an advantage.
Below is a short list of exclusive agents in Denver that are able to give comparison quotes.
State Farm: Charles Insurance Agency
1165 S Broadway #114 – Denver, CO 80210 – (303) 777-7161 – View Map
Caramel Russell-Rouse – State Farm Insurance Agent
999 S Monaco Pkwy #200 – Denver, CO 80224 – (303) 424-0420 – View Map
Tiffany Meidinger – State Farm Insurance Agent
1100 Acoma St – Denver, CO 80204 – (720) 508-8760 – View Map
Independent Auto Insurance Agents
Agents that choose to be independent are not employed by any specific company so they have the ability to put coverage through lots of different companies and find the cheapest rate. To move your coverage to a new company, an independent agent can move your coverage which requires no work on your part.
If you are trying to find cheaper rates, we highly recommend that you include rate quotes from multiple independent agents so that you can do a thorough price comparison.
Below are independent agencies in Denver that are able to give rate quotes.
Moschetti Michael – Isu Insurance Svc Of Co
950 17th St #1000 – Denver, CO 80202 – (303) 534-2133 – View Map
Dagley Insurance and Financial Services Inc
2055 S Federal Blvd – Denver, CO 80219 – (303) 975-1229 – View Map
Henry Ham Agency, Inc
645 E Evans Ave – Denver, CO 80210 – (303) 744-1341 – View Map
After talking to the agent and getting satisfactory answers to your questions and a low price estimate, you’ve probably found a car insurance agent that meets the requirements to provide auto insurance coverage.
Final considerations
We just showed you many ways to lower your Toyota Rav4 insurance premium rates in Denver. The most important thing to understand is the more you quote Denver auto insurance, the better your comparison will be. Consumers may even find the lowest premium rates are with a company that doesn’t do a lot of advertising. These companies may have significantly lower prices on certain market segments than their larger competitors like GEICO and State Farm.
When buying insurance coverage, never skimp on coverage in order to save money. In many instances, someone dropped full coverage only to regret at claim time that the small savings ended up costing them much more. Your objective should be to find the BEST coverage at a price you can afford while still protecting your assets.
Much more information about car insurance in Colorado can be found at the links below
- Rollover Crash FAQ (iihs.org)
- Who Has Cheap Denver Auto Insurance Rates for a Chevrolet Equinox? (FAQ)
- What Car Insurance is Cheapest for a 20 Year Old Male in Denver? (FAQ)
- Teen Driving Statistics (GEICO)
- Alcohol Impaired Driving FAQ (iihs.org)
- Property Damage Coverage (Liberty Mutual)
- Auto Insurance Facts and Statistics (Insurance Information Institute)