Toyota Avalon Insurance Rates in Irvine

Discount Toyota Avalon insuranceIf you want to save the most money, the best way to get low-cost Toyota Avalon insurance is to start doing a yearly price comparison from insurance carriers that insure vehicles in Irvine. Prices can be compared by following these guidelines.

One bit of advice is to make sure you’re comparing similar deductibles and liability limits on each quote and and to look at as many car insurance companies as possible. Doing this enables an apples-to-apples comparison and a thorough price selection.

Unimaginable but true, most drivers kept their coverage with the same insurance company for a minimum of four years, and nearly 40% of drivers have never even compared quotes to find cheaper rates. The average driver in California could save an average of almost $469 each year by just comparing quotes, but most tend to underestimate the actual amount they would save if they swap their current policy for a cheaper one.

The companies shown below have been selected to offer free quotes in California. If your goal is to find cheap auto insurance in California, we suggest you compare several of them to get a more complete price comparison.

Rates and other information

The rate information displayed below showcases detailed analysis of policy rates for Toyota Avalon models. Having knowledge of how insurance rates are formulated can assist in making informed decisions when comparing rate quotes.

Toyota Avalon Insurance Rates in Irvine, CA
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Avalon XL $358 $464 $492 $30 $148 $1,492 $124
Avalon XLS $358 $546 $492 $30 $148 $1,574 $131
Avalon Limited $398 $546 $492 $30 $148 $1,614 $135
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Prices above based on single male driver age 30, no speeding tickets, no at-fault accidents, $500 deductibles, and California minimum liability limits. Discounts applied include multi-policy, claim-free, homeowner, multi-vehicle, and safe-driver. Premium amounts do not factor in vehicle garaging location which can affect prices noticeably.

The illustration below illustrates how your deductible choice and can influence Toyota Avalon insurance prices for different age groups of insureds. The data assumes a single male driver, full coverage, and no discounts are applied.

Why you need auto insurance

Despite the high cost of buying insurance for a Toyota Avalon in Irvine, maintaining insurance may be required for several reasons.

The benefits of carrying adequate insurance more than cancel out the cost, especially when you need to use it. Unknowingly, the average driver is wasting up to $869 every year so it’s important to compare rates at every renewal to be sure current rates are still competitive.

How to Lower Your Insurance Rates

Many things are considered when you get your auto insurance bill. Some of the criteria are obvious such as traffic violations, although some other factors are not quite as obvious such as your credit history or your financial responsibility. The best way to find cheaper car insurance is to take a look at the different types of things that help determine your car insurance rates. If you understand what impacts premium levels, this allows you to make educated decisions that can help you get much lower annual insurance costs.

Raising coverage deductibles saves money – Deductibles for physical damage are the amount of money you are willing to pay if the claim is covered. Physical damage coverage, also called comprehensive and collision insurance, covers damage that occurs to your car. Some instances where coverage would apply are colliding with a stationary object, animal collisions, and damage caused by road hazards. The more money the insured is willing to pay, the bigger discount you will receive.

File policy claims and pay more – Companies in California award discounts to people who are not frequent claim filers. If you file claims often, you can definitely plan on either higher rates or even cancellation. Auto insurance is designed for the large, substantial claims.

Prices for males may be higher – Over the last 50 years, statistics have shown that women are safer drivers than men. It does not mean men are WORSE drivers than women. Men and women have auto accidents at about the same rate, but men cause more damage and cost insurance companies more money. Men also tend to get ticketed for serious violations like DUI and reckless driving. Young men ages 16 to 20 generally have the highest accident percentage so it costs more to insure them.

The chart below illustrates the difference between Toyota Avalon premium costs for male and female drivers. The rate quotes are based on a clean driving record, no at-fault accidents, comprehensive and collision coverage, $1,000 deductibles, single marital status, and no discounts are applied.

Is your vehicle theft-ready? – Selecting a car model with anti-theft technology or alarm system can save you a little every year. Advanced theft deterrents like vehicle immobilizer systems, General Motors OnStar and LoJack tracking systems can thwart auto theft and help lower rates.

Get a ticket, pay higher premiums – Being a careful driver impacts your car insurance rates tremendously. Drivers who don’t get tickets receive lower rates as compared to those with violations. Even one driving citation can boost insurance rates forty percent or more. Drivers unfortunate enough to have flagrant tickets like reckless driving, hit and run or driving under the influence might be required by their state to maintain a SR-22 with their state’s licensing department in order to prevent a license revocation.

The diagram below illustrates how traffic citations and at-fault collisions can increase Toyota Avalon car insurance rates for each age group. Data assumes a married male driver, full coverage, $500 deductibles, and no discounts are applied to the premium.

Toyota Avalon historical loss data – Companies analyze claim trends for every vehicle when they calculate premium rates for each model. Models that historically have high amounts or severity of claims will have higher premium rates. The table below demonstrates the historical insurance loss data for Toyota Avalon vehicles.

For each coverage type, the statistical loss for all vehicles, without regard to make or model, is a value of 100. Numbers shown that are under 100 suggest a positive loss record, while numbers above 100 indicate more frequent claims or an increased chance of a larger loss.

Toyota Avalon Insurance Claim Statistics
Vehicle 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

Statistics Source: Insurance Institute for Highway Safety for 2013-2015 Model Years

Companies offer many discounts on Toyota Avalon insurance in Irvine

Insuring your vehicles can cost a lot, but there may be some discounts that many consumers don’t even know exist. A few discounts will be applied when you purchase, but some may not be applied and must be requested specifically before being credited.Save money with discounts

One last thing about discounts, many deductions do not apply to your bottom line cost. The majority will only reduce the price of certain insurance coverages like physical damage coverage or medical payments. Despite the appearance that adding up those discounts means a free policy, you aren’t that lucky.

The diagram below illustrates the difference between Toyota Avalon insurance premiums with and without policy discounts. The prices are based on a female driver, a clean driving record, no claims, California state minimum liability limits, full coverage, and $1,000 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with safe-driver, homeowner, claim-free, multi-car, marriage, and multi-policy discounts applied.

The best auto insurance companies and a selection of discounts are detailed below.

When comparing rates, check with each company which discounts you qualify for. Some of the discounts discussed earlier might not apply in every state.

Neighborhood Irvine auto insurance agents

Some consumers still prefer to get professional advice from a licensed agent and that is not a bad decision Professional agents can help determine the best coverages and give you someone to call. The biggest benefit of comparing rates online is that you can find cheap car insurance quotes and still have an agent to talk to.

Irvine insurance agentsBy using this short form, your information gets sent to local insurance agents in Irvine who want to provide quotes for your coverage. You never need to find an agent on your own since rate quotes are delivered to your email. If for some reason you want to compare prices from one company in particular, you just need to find their quoting web page and complete a quote there.

Finding the right company should include more criteria than just the quoted price. These are some questions you should get answers to.

When researching a local Irvine insurance agent, it helps to know the two different types of agents and how they differ in how they can insure your vehicles. Insurance agencies in Irvine are considered either independent (non-exclusive) or exclusive. Both types can properly insure your vehicles, but it’s worth mentioning how they are different since it can affect the type of agent you choose.

Exclusive Agents

These type of agents can only provide one company’s prices and examples are Allstate, Farmers Insurance or State Farm. These agents are unable to shop your coverage around so it’s a take it or leave it situation. These agents are well schooled on what they offer and that enables them to sell even at higher rates.

Below is a list of exclusive insurance agencies in Irvine willing to provide rate quotes.

15333 Culver Dr #130Irvine, CA 92604(949) 552-3600View Map

18004 Sky Park Cir #250Irvine, CA 92614(949) 252-0900View Map

3200 El Camino Real #110Irvine, CA 92602(949) 769-2600View Map

View more Irvine agents

Independent Car Insurance Agents

Agents of this type are not locked into one company and that allows them to write policies with a variety of different insurance companies enabling the ability to shop coverage around. If you are not satisfied with one company, your agent can switch companies and you don’t have to switch agencies.

When comparing car insurance rates, you absolutely need to include rate quotes from a few independent agents in order to have the best price comparison.

Below are independent insurance agencies in Irvine that are able to give price quote information.

18201 Von Karman Ave # 510Irvine, CA 92612(949) 442-7662View Map

1340 Reynolds Ave #103Irvine, CA 92614(949) 833-2030View Map

2770 S Harbor BlvdSanta Ana, CA 92704(562) 212-3290View Map

View more Irvine agents

One last thing to lower rates

We just showed you a lot of ways to lower your Toyota Avalon insurance premium rates in Irvine. The key concept to understand is the more you quote Irvine car insurance, the better your chances of lowering your prices. You may even find the most savings is with some of the smallest insurance companies. Some small companies may have significantly lower prices on certain market segments as compared to the big name companies such as State Farm or Progressive.

Budget-friendly auto insurance in Irvine is possible from both online companies and from local insurance agents, and you should compare price quotes from both to get a complete price analysis. Some insurance companies may not offer rates over the internet and most of the time these regional insurance providers only sell through local independent agencies.

Additional detailed information is available by following these links: