The preferred way to save money on Toyota Rav4 Hybrid insurance in Irvine is to annually compare prices from different companies who provide auto insurance in California. You can compare prices by following these guidelines.
Step 1: Try to understand car insurance and the measures you can control to drop your rates. Many factors that cause rate increases such as traffic tickets, fender benders, and your credit history can be amended by making lifestyle changes or driving safer.
Step 2: Compare prices from direct, independent, and exclusive agents. Exclusive and direct companies can only provide price estimates from one company like GEICO and State Farm, while independent agents can quote prices for many different companies.
Step 3: Compare the new rates to your current policy premium and see if you can save money. If you find a lower rate quote and decide to switch, make sure coverage does not lapse between policies.
Step 4: Provide written notification to your current company of your decision to cancel your current policy and submit the completed application along with a down payment to the new company. Once the paperwork is finalized, safely store the proof of insurance paperwork along with the vehicle’s registration papers.
The critical component of shopping around is to use identical coverage information on each price quote and and to get rate quotes from as many auto insurance providers as possible. This ensures a fair price comparison and a better comparison of the market.
It’s amazing but most auto insurance buyers have stayed with the same insurance company for over three years, and almost 40% of drivers have never even compared quotes to find cheaper rates. California drivers could save about $500 every year, but they just don’t understand how much they could save if they moved their coverage to a different company.
Cheapest auto insurance in Irvine, CA
The following companies provide free quotes in Irvine, CA. In order to find the cheapest auto insurance in CA, we suggest you visit several of them to get the best price comparison.
Get cheaper Toyota Rav4 Hybrid insurance in Irvine with discounts
Some insurers don’t always publicize their entire list of discounts very well, so we took the time to find a few of the more well known as well as some of the hidden discounts you could be receiving when you buy Irvine car insurance online.
- Onboard Data Collection – Policyholders that allow data collection to monitor driving manner remotely such as State Farm’s In-Drive could possibly reduce rates if they have good driving habits.
- E-sign Discounts – Many car insurance companies may give you up to $50 get Irvine car insurance online.
- Home Ownership Discount – Simply owning a home may trigger a policy discount on car insurance because of the fact that having a home demonstrates responsibility.
- Theft Prevention System – Vehicles that have factory alarm systems and tracking devices are stolen less frequently and qualify for as much as a 10% discount.
- Cautious Drivers – Drivers who don’t get into accidents can save up to 40% or more on their Irvine car insurance quote than less cautious drivers.
- Safety Course Discount – Successfully completing a class that teaches defensive driver techniques can save you 5% or more if your company offers it.
- Accident Forgiveness – Not really a discount, but a handful of insurance companies may permit one accident before raising your premiums so long as you haven’t had any claims prior to being involved in the accident.
A little disclaimer on discounts, most discounts do not apply to the whole policy. Most only reduce the cost of specific coverages such as physical damage coverage or medical payments. Even though it appears having all the discounts means you get insurance for free, company stockholders wouldn’t be very happy.
Auto insurance companies that may have these discounts possibly include:
When getting free Irvine car insurance quotes, it’s a good idea to every prospective company which credits you are entitled to. Some discounts might not be offered on policies in your area. To find car insurance companies that have a full spectrum of discounts in Irvine, click here to view.
Compare rates but work with a local neighborhood Irvine car insurance agent
Some people would rather get professional advice from a licensed agent and doing that can be a smart decision An additional benefit of comparing rates online is that drivers can save money and get cheap rate quotes and still have an agent to talk to. And providing support for neighborhood insurance agencies is important especially in Irvine.
Upon completion of this simple form, your coverage information gets sent to insurance agents in Irvine who can give free rate quotes to get your business. You don’t have to find an agent since price quotes are sent to the email address you provide. You can most likely find cheaper rates without requiring a lot of work. In the event you want to compare rates from a specific insurance company, you just need to find their quoting web page and complete a quote there.
If you want a good insurance agency, it’s helpful to know the different types of agencies and how they are slightly different. Agents in Irvine may be either exclusive or independent (non-exclusive).
Independent Agents (or Brokers)
Agents in the independent channel do not sell for just one brand so they can insure your vehicles with lots of companies and possibly get better coverage at lower prices. To transfer your coverage to a different company, your agent can switch companies and you don’t have to do anything. When comparing rate quotes, it’s recommended you check rates from at a minimum one independent agency to get the best comparison.
Featured below is a list of independent agencies in Irvine who may be able to give you price quote information.
Wozencraft Insurance Agency
17321 Irvine Blvd #201 – Tustin, CA 92780 – (714) 263-2626 – View Map
Peter Green Insurance Agency LLC
3151 Airway Ave Suite F203 – Costa Mesa, CA 92626 – (714) 258-2800 – View Map
Wells Fargo Insurance Services: Harper James
2030 Main St #700 – Irvine, CA 92614 – (949) 358-6100 – View Map
Exclusive Insurance Agents
Agents that elect to be exclusive have only one company to place business with and examples are State Farm, Allstate, or Farmers Insurance. Exclusive agents cannot shop your coverage around so you might not find the best rates. Exclusive insurance agents are usually quite knowledgeable on the products they sell which aids in selling service over price.
Listed below are exclusive agents in Irvine that can give you price quote information.
State Farm: Jane Lee
30 Corporate Park – Irvine, CA 92606 – (949) 223-5020 – View Map
Allstate Insurance: Jeff Adams
4860 Irvine Blvd Ste 206 – Irvine, CA 92620 – (714) 505-2457 – View Map
Sharon Leung – State Farm Insurance Agent
18004 Sky Park Cir #250 – Irvine, CA 92614 – (949) 252-0900 – View Map
Choosing an insurance agency shouldn’t rely on just the bottom line cost. Get answers to these questions too.
- Will they give you a referral list?
- If independent agents, which companies do they recommend?
- Will their companies depreciate repairs to your car based on the mileage?
- How will an accident affect your rates?
- Do they get paid more for recommending certain coverages?
- Do the coverages you’re quoting properly cover your vehicle?
- Are they giving you every discount you deserve?
- Is auto insurance their primary focus in Irvine?
After getting answers to your satisfaction to your questions in addition to an acceptable price estimate, you may have just found a car insurance agent that meets the criteria to insure your vehicles.
How to find a good California car insurance company
Picking the right auto insurance company can be challenging considering how many different companies there are to choose from in California. The company ratings in the next section could help you choose which car insurance providers you want to consider putting your business with.
| Company | Value | Customer Service | Claims | Customer Satisfaction | A.M Best Rating | Overall Score |
|---|---|---|---|---|---|---|
| USAA | 98 | 100 | 100 | 94% | A++ | 98.6 |
| American Family | 98 | 89 | 100 | 86% | A | 95.4 |
| AAA of Southern California | 91 | 94 | 97 | 92% | A+ | 94.1 |
| State Farm | 88 | 93 | 96 | 90% | A++ | 92.4 |
| The Hartford | 94 | 92 | 90 | 89% | A+ | 91.7 |
| AAA Insurance | 88 | 89 | 95 | 91% | A | 91.2 |
| GEICO | 84 | 93 | 93 | 89% | A++ | 90.3 |
| The General | 89 | 91 | 89 | 88% | A- | 90 |
| Titan Insurance | 90 | 87 | 91 | 95% | A+ | 89.6 |
| Progressive | 84 | 91 | 93 | 87% | A+ | 89.5 |
| Mercury Insurance | 88 | 91 | 90 | 85% | A+ | 89.4 |
| Allstate | 85 | 90 | 92 | 88% | A+ | 89.3 |
| Nationwide | 87 | 88 | 84 | 90% | A+ | 88.7 |
| Liberty Mutual | 84 | 87 | 93 | 88% | A | 88.5 |
| 21st Century | 85 | 86 | 87 | 88% | A | 86.7 |
| Esurance | 85 | 80 | 95 | 87% | A+ | 85.9 |
| Safeco | 85 | 85 | 85 | 86% | A | 85.8 |
| Travelers | 80 | 87 | 87 | 83% | A++ | 85.2 |
| Farmers Insurance | 78 | 87 | 88 | 79% | A | 84.3 |
| Compare Rates Now Go | ||||||
Data Source: Insure.com Best Car Insurance Companies
Different people need different auto insurance coverages
When choosing adequate coverage for your personal vehicles, there is no best way to insure your cars. Everyone’s situation is unique so your insurance should reflect that
For instance, these questions may help you determine if you might need professional guidance.
- Can my babysitter drive my car?
- Does coverage extend to a rental car in a foreign country?
- When should I remove my kid from my policy?
- Am I covered while delivering pizza?
- Is my camper covered by my car insurance policy?
- Are combined or split liability limits better?
- Am I covered by my employer’s commercial auto policy when driving my personal car for business?
- What is the difference between comprehensive and collision coverage?
If you don’t know the answers to these questions but one or more may apply to you, you might consider talking to an insurance agent. If you don’t have a local agent, simply complete this short form or go to this page to view a list of companies.
Car insurance coverage information
Learning about specific coverages of a car insurance policy helps when choosing the right coverages for your vehicles. The coverage terms in a policy can be confusing and even agents have difficulty translating policy wording. Listed below are the usual coverages offered by car insurance companies.
Liability coverages – Liability coverage can cover damage or injury you incur to other people or property by causing an accident. It protects you from claims by other people, and doesn’t cover your own vehicle damage or injuries.
Coverage consists of three different limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. Your policy might show limits of 15/30/5 which means $15,000 in coverage for each person’s injuries, a per accident bodily injury limit of $30,000, and a limit of $5,000 paid for damaged property. Some companies may use a combined limit which limits claims to one amount rather than limiting it on a per person basis.
Liability coverage pays for claims like funeral expenses, attorney fees and pain and suffering. How much liability coverage do you need? That is up to you, but buy as high a limit as you can afford. California state law requires minimum liability limits of 15/30/5 but drivers should carry higher limits.
The chart below demonstrates why minimum state limits may not be high enough to adequately cover claims.
Comprehensive insurance – This coverage pays to fix your vehicle from damage from a wide range of events other than collision. You need to pay your deductible first then your comprehensive coverage will pay.
Comprehensive insurance covers things such as falling objects, damage from getting keyed, hail damage and hitting a bird. The maximum amount you’ll receive from a claim is the cash value of the vehicle, so if the vehicle’s value is low consider dropping full coverage.
Uninsured/Underinsured Motorist (UM/UIM) – This coverage protects you and your vehicle when other motorists do not carry enough liability coverage. This coverage pays for hospital bills for your injuries as well as your vehicle’s damage.
Because many people carry very low liability coverage limits (15/30/5), their liability coverage can quickly be exhausted. So UM/UIM coverage is important protection for you and your family. Usually these coverages are similar to your liability insurance amounts.
Collision – This pays for damage to your Rav4 Hybrid caused by collision with another car or object. You have to pay a deductible and the rest of the damage will be paid by collision coverage.
Collision can pay for things such as hitting a parking meter, rolling your car and backing into a parked car. Collision coverage makes up a good portion of your premium, so consider removing coverage from older vehicles. You can also increase the deductible on your Rav4 Hybrid in order to get cheaper collision rates.
Med pay and Personal Injury Protection (PIP) – Personal Injury Protection (PIP) and medical payments coverage reimburse you for bills like pain medications, chiropractic care, surgery and dental work. They can be used in conjunction with a health insurance policy or if you do not have health coverage. They cover not only the driver but also the vehicle occupants and also covers if you are hit as a while walking down the street. Personal Injury Protection is only offered in select states but it provides additional coverages not offered by medical payments coverage
In conclusion
When trying to cut insurance costs, it’s very important that you do not skimp on coverage in order to save money. There are many occasions where an insured cut full coverage only to regret at claim time that their decision to reduce coverage ended up costing them more. Your focus should be to buy enough coverage at the lowest possible cost while not skimping on critical coverages.
Discount Toyota Rav4 Hybrid insurance in Irvine is attainable both online and with local Irvine insurance agents, so you need to shop Irvine car insurance with both to get a complete price analysis. Some insurance providers may not provide online rate quotes and usually these smaller providers provide coverage only through independent agents.
Throughout this article, we presented many ways to compare Toyota Rav4 Hybrid insurance car insurance rates in Irvine. It’s most important to understand that the more quotes you get, the better likelihood of getting affordable Toyota Rav4 Hybrid insurance quotes. Consumers could even find that the best price on insurance is with some of the smallest insurance companies. Some small companies often have lower premium rates on specific markets than the large multi-state companies such as GEICO and State Farm.
To learn more, feel free to browse these articles:
- Auto Insurance for Teen Drivers (Insurance Information Institute)
- What Insurance is Cheapest with Multiple Speeding Tickets in Irvine? (FAQ)
- What Insurance is Cheapest for 18 Year Olds in Irvine? (FAQ)
- Who Has Cheap Auto Insurance Rates for Electric Cars in Irvine? (FAQ)
- Who Has the Cheapest Irvine Car Insurance Rates for Police Officers? (FAQ)
- Who Has Cheap Car Insurance Quotes for Lyft Drivers in Irvine? (FAQ)
- Where can I buy Insurance? (Insurance Information Institute)
- Tools for Teen Driving Safety (State Farm)
- How Can I Save Money on Auto Insurance? (Insurance Information Institute)
- Car Insurance: When not to Skimp (BankRate.com)