Do you need a fast way to compare low-cost Toyota Avalon insurance in Phoenix? Are you burned out from scraping nickels together to keep your car insured? You are in the same boat as most other vehicle owners in Arizona.
It’s hard to believe, but almost 70% of drivers have remained with the same car insurance company for four years or more, and almost half have never shopped around. Consumers in Phoenix could save 50% every year just by comparing rates, but they mistakenly think it’s difficult to shop their coverage around. Numerous insurers battle for your business, so it can be very hard to choose a insurance company to find the best price available on Toyota Avalon insurance in Phoenix.
If you are insured now or need a new policy, use these money-saving tips to shop for the lowest rates and still have adequate protection. Locating the best insurance company for you in Phoenix is actually quite easy if you know where to start. Comparison shoppers just have to use the most effective way to compare rates from multiple carriers.
How to Lower Your Insurance Premiums
Lots of things are taken into consideration when you quote your car insurance policy. Some of the criteria are obvious such as your driving record, but other criteria are more obscure like your vehicle usage or your vehicle rating.
Eliminate add-on coverages – There are quite a few add-on coverages that you can get tricked into buying on your Avalon policy. Coverages like roadside assistance, death and dismemberment, and motor club memberships may be wasting your money. The coverages may be enticing when you first buy your policy, but now you might not need them so get rid of them and save.
Low deductibles cost more – Your deductibles are the amount of money you are willing to pay if the claim is covered. Protection for physical damage, aka comp and collision, insures against damage to your car. Some coverage claims could be a windshield broken by a bird, hail damage, or theft of your vehicle. The more damage repair cost you are required to pay out-of-pocket, the bigger discount you will receive.
Youthful drivers cost more – More mature drivers are proven to be safer behind the wheel, cost insurance companies less in claims, and receive fewer citations.Youthful drivers are statistically shown to be inattentive when at the wheel of a vehicle and because of this, their car insurance rates are much higher.
Prevent theft and lower car insurance rates – Owning a car with a theft deterrent system can earn a premium discount. Systems that thwart thieves like LoJack tracking devices, vehicle tamper alarm systems or GM’s OnStar system can help prevent car theft and help bring rates down.
Single drivers may get higher premiums – Your spouse may cut your premiums on your car insurance bill. Having a spouse translates into being more financially stable and it’s statistically proven that married drivers get in fewer accidents.
Never have policy lapses – Having a gap between insurance policy dates is a fast way to increase your car insurance rates. In addition to paying higher rates, the inability to provide proof of insurance could earn you fines and jail time.
Reduce prices by driving safer vehicles – Safer cars are cheaper to insure. Highly rated vehicles reduce occupant injuries and better occupant protection translates directly to fewer claims and thus lower rates. If the Toyota Avalon is rated at a minimum four stars on Safercar.gov it may be receiving lower rates.
Toyota Avalon statistical loss data – Insurers include the past claim trends for vehicles when they calculate premium costs for each model. Models that the statistics show to have increased claim numbers or amounts will have a higher cost to insure. The data below shows the collected loss data for Toyota Avalon vehicles.
For each coverage category, the loss probability for all vehicles averaged together is equal to 100. Values that are under 100 are indicative of better than average losses, while numbers that are greater than 100 indicate frequent claims or a tendency for losses to be larger than average.
Car Insurance Loss Data for Toyota Avalon Models
| Vehicle 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 |
Data Source: iihs.org (Insurance Institute for Highway Safety) for 2013-2015 Model Years
Reducing your insurance rates is surprisingly easy. All you need to do is take a couple of minutes to compare rate quotes to see which company has cheaper Phoenix car insurance quotes.
Getting quotes online is very simple and it takes the place of having to physically go to local Phoenix insurance agencies. Comparing Toyota Avalon insurance rate quotes online can eliminate the need for a local agent unless you have a complicated situation and need the professional guidance that you can only get from talking to an agent. You can, however, compare online quotes and have a local agent actually service the policy.
The companies shown below are our best choices to provide price quotes in Arizona. If multiple providers are shown, we recommend you compare several of them in order to find the cheapest rates.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Avalon XL | $324 | $574 | $344 | $20 | $102 | $1,364 | $114 |
| Avalon XLS | $184 | $290 | $334 | $20 | $100 | $928 | $77 |
| Avalon Limited | $228 | $420 | $332 | $20 | $100 | $1,100 | $92 |
| Get Your Own Custom Quote Go | |||||||
Data rating is based on single female driver age 40, no speeding tickets, no at-fault accidents, $500 deductibles, and Arizona minimum liability limits. Discounts applied include multi-vehicle, multi-policy, homeowner, claim-free, and safe-driver. Rate quotes do not factor in the specific area where the vehicle is garaged which can influence rates considerably.
Premiums by gender and age
The example below compares Toyota Avalon auto insurance rates for male and female drivers. The data assumes no claims or driving violations, full coverage, $500 deductibles, single marital status, and no policy discounts are applied.
Raise deductibles and save
The chart below shows how choosing a deductible and can raise or lower Toyota Avalon insurance rates for each age group. The rate quotes are based on a married female driver, comprehensive and collision coverage, and no discounts are applied.
How high should deductibles be?
One of the most common auto insurance questions is what deductibles to buy. The comparison tables below show the rate difference between high and low physical damage deductibles. The first pricing table uses a $250 comprehensive and collision deductible and the second rate table uses a $1,000 deductible.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Avalon XL | $262 | $390 | $254 | $16 | $76 | $1,023 | $85 |
| Avalon XLS | $262 | $460 | $254 | $16 | $76 | $1,093 | $91 |
| Avalon Limited | $292 | $460 | $254 | $16 | $76 | $1,123 | $94 |
| Get Your Own Custom Quote Go | |||||||
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Avalon XL | $162 | $246 | $254 | $16 | $76 | $754 | $63 |
| Avalon XLS | $162 | $290 | $254 | $16 | $76 | $798 | $67 |
| Avalon Limited | $180 | $290 | $254 | $16 | $76 | $816 | $68 |
| Get Your Own Custom Quote Go | |||||||
Price data assumes married male driver age 30, no speeding tickets, no at-fault accidents, and Arizona minimum liability limits. Discounts applied include multi-policy, homeowner, multi-vehicle, claim-free, and safe-driver. Rate quotes do not factor in vehicle location which can lower or raise auto insurance rates significantly.
Based on this data, we can arrive at the conclusion that using a $250 deductible would cost the average driver about $24 more each month or $288 for a full year than requesting the higher $1,000 deductible. Because you would be required to pay $750 more to settle a claim with a $1,000 deductible as compared to a $250 deductible, if you normally go at least 31 months between claim filings, you would probably save some money by going with a higher deductible.
How to determine when to raise your deductibles
| Average monthly premium for $250 deductibles: | $90 |
| Average monthly premium for $1,000 deductibles (subtract): | – $66 |
| Monthly savings from raising deductible: | $24 |
| Difference between deductibles ($1,000 – $250): | $750 |
| Divide difference by monthly savings: | $750 / $24 |
| Number of months required between physical damage coverage claims in order to save money by choosing the higher deductible | 31 months |
Auto insurance protects more than just your car
Even though it’s not necessarily cheap to insure a Toyota in Phoenix, maintaining insurance serves a purpose in several ways.
First, almost all states have compulsory liability insurance requirements which means you are required to carry a specific level of liability insurance coverage if you drive a vehicle. In Arizona these limits are 15/30/10 which means you must have $15,000 of bodily injury coverage per person, $30,000 of bodily injury coverage per accident, and $10,000 of property damage coverage.
Second, if you have a loan on your vehicle, almost all lenders will require that you buy insurance to ensure the loan is repaid in case of a total loss. If you cancel or allow the policy to lapse, the lender may have to buy a policy to insure your Toyota for a much higher rate and require you to reimburse them much more than you were paying before.
Third, auto insurance preserves both your Toyota and your assets. Insurance will also pay for all forms of medical expenses for not only you but also any passengers injured in an accident. Liability insurance, one of your policy coverages, will also pay attorney fees if you are sued as the result of your driving. If damage is caused by hail or an accident, your auto insurance policy will pay to repair the damage minus the deductible amount.
The benefits of having auto insurance outweigh the cost, especially with large liability claims. But the average driver in Arizona overpays more than $750 every year so you should quote your policy with other companies at least once a year to help ensure money is not being wasted.
Phoenix insurance discounts
Auto insurance companies do not list every available discount in a way that’s easy to find, so the following is a list of a few of the more common as well as the least known credits that you can use to lower your rates.
- Savings for New Vehicles – Buying a new car instead of a used Avalon may earn a small discount since new vehicles are generally safer.
- Auto/Life Discount – Not all companies offer life insurance, but some may give you lower insurance rates if you buy some life insurance in addition to your auto policy.
- Multi-car Discount – Drivers who insure multiple cars with one company qualifies for this discount.
- No Accidents – Insureds with no claims or accidents can earn big discounts when compared to accident-prone drivers.
- Safe Driver Discounts – Insureds who avoid accidents can get discounts for up to 45% lower rates than drivers with accidents.
- Sign Early and Save – A few larger companies offer discounts for switching to them early. You may see this discount when you get Phoenix car insurance quotes online.
- Paper-free Discount – Some of the larger companies will give a small break for buying your policy on your computer.
You can save money using discounts, but most of the big mark downs will not be given to the whole policy. Most only cut the price of certain insurance coverages like liability, collision or medical payments. So when the math indicates you could get a free insurance policy, it’s just not the way it works.
A few popular companies and a partial list of their discounts can be read below.
- GEICO discounts include seat belt use, five-year accident-free, driver training, multi-vehicle, and federal employee.
- Mercury Insurance offers discounts for location of vehicle, good student, age of vehicle, low natural disaster claims, accident-free, and anti-theft.
- Farmers Insurance includes discounts for business and professional, teen driver, good student, homeowner, youthful driver, and bundle discounts.
- Auto-Owners Insurance offers premium reductions for group or association, safe vehicle, student away at school, paid in full, safe driver, and multiple vehicles.
- Liberty Mutual may include discounts for multi-policy, newly retired, good student, preferred payment discount, and hybrid vehicle.
- SAFECO may have discounts that include anti-theft, accident prevention training, homeowner, multi-car, anti-lock brakes, teen safety rewards, and safe driver.
- Progressive has discounts for continuous coverage, homeowner, online quote discount, multi-policy, multi-vehicle, good student, and online signing.
- USAA offers discounts including multi-vehicle, multi-policy, annual mileage, loyalty savings, and good student.
Before purchasing a policy, check with each insurance company which discounts can lower your rates. Some discounts listed above may not apply to policyholders in Phoenix. To locate insurance companies who offer insurance discounts in Phoenix, click here.
Independent versus exclusive insurance agents
Many drivers prefer to talk to an insurance agent and doing so can bring peace of mind Experienced insurance agents can help you choose the best coverages and help in the event of a claim. A nice benefit of getting online price quotes is you can get better rates and still buy from a local agent.
For easy comparison, once you complete this form (opens in new window), the coverage information is transmitted to local insurance agents who can give free rate quotes for your coverage. It simplifies rate comparisons since you won’t have to leave your house as quotes are delivered directly to you. In the event you want to get a price quote from a specific insurance company, you just need to search and find their rate quote page to submit a rate quote request.
Picking the best company shouldn’t rely on just the price. Before buying a policy in Phoenix, get answers to these questions.
- Is there a 24/7 contact number?
- How much training do they have in personal risk management?
- Has the agent ever had any license suspensions?
- Who is covered by the car insurance policy?
- Do you qualify for any additional discounts?
- Does the company allow you to choose your own collision repair facility?
- Do they have designations such as AIC, CPCU, or CIC?
- Do you have coverage for a rental car if your vehicle is in the repair shop?
If you want a reliable insurance agent, it can be helpful to understand the different agency structures and how they can write your policy. Car insurance agents in Phoenix can either be exclusive or independent agents depending on their company appointments. Both types of agents can insure your vehicles, but it is a good idea to know the subtle differences because it can factor into your agent selection.
Exclusive Agents
These agents normally can only provide a single company’s rates like Allstate, AAA, Farmers Insurance, and State Farm. Exclusive agents cannot compare rates from other companies so they really need to provide good service. Exclusive agencies are usually quite knowledgeable on what they offer which helps overcome the inability to quote other rates.
The following are Phoenix exclusive insurance agencies that are able to give comparison quotes.
Mattie Taylor – State Farm Insurance Agent
4225 W Bell Rd – Phoenix, AZ 85053 – (602) 938-4491 – View Map
Severiano Torres III – State Farm Insurance Agent
1820 N 75th Ave #106 – Phoenix, AZ 85035 – (623) 846-0240 – View Map
Susan Cox – State Farm Insurance Agent
2715 W Northern Ave #110 – Phoenix, AZ 85051 – (602) 995-2821 – View Map
Independent Car Insurance Agents
Independent agencies can quote rates with many companies so they can quote policies amongst many companies and help determine which has the cheapest rates. If you are not satisfied with one company, your agent can switch companies and you don’t have to find a new agent. If you need cheaper car insurance rates, you absolutely need to include at least one independent agent for maximum quote selection.
The following are Phoenix independent insurance agents that are able to give price quote information.
UNO Insurance Agency
3510 E Bell Rd # 2 – Phoenix, AZ 85032 – (602) 493-2300 – View Map
Horizon Insurance Group
2880 E Northern Ave #100 – Phoenix, AZ 85028 – (602) 992-9750 – View Map
American Premier Insurance Agency
16815 S Desert Foothills Pkwy #140 – Phoenix, AZ 85048 – (480) 423-3444 – View Map
Everyone needs different insurance coverages
When quoting and comparing proper insurance coverage, there is no cookie cutter policy. Everyone’s situation is unique.
These are some specific questions can aid in determining if you may require specific advice.
- Am I covered when driving a rental car?
- Which companies will insure high-risk drivers?
- Can I get a multi-policy discount?
- What if I total my Toyota Avalon and owe more than it’s worth?
- Is my teen driver covered when they drive my company car?
- Can I get a multi-policy discount for packaging my home and auto coverage?
- Does my insurance cover my expensive audio equipment?
- Are rock-chip repairs free?
If it’s difficult to answer those questions, then you may want to think about talking to an insurance agent. To find lower rates from a local agent, take a second and complete this form. It’s fast, doesn’t cost anything and you can get the answers you need.
How much can you save?
People leave their current company for any number of reasons including delays in responding to claim requests, questionable increases in premium, delays in paying claims and even extreme rates for teen drivers. It doesn’t matter what your reason, switching companies is actually quite simple.
As you restructure your insurance plan, make sure you don’t skimp on coverage in order to save money. There are many occasions where an accident victim reduced full coverage and learned later they didn’t purchase enough coverage. The proper strategy is to buy the best coverage you can find at the best cost.
Lower-priced Toyota Avalon insurance in Phoenix can be bought online and also from your neighborhood Phoenix agents, so get free Phoenix car insurance quotes from both of them to get a complete price analysis. A few companies do not provide price quotes online and most of the time these smaller companies provide coverage only through independent agents.
Even more information is available in these articles:
- What Determines the Price of My Auto Insurance Policy? (Insurance Information Institute)
- How Much are Auto Insurance Rates for Hybrid Vehicles in Phoenix? (FAQ)
- Who Has the Cheapest Auto Insurance Quotes for High Risk Drivers in Phoenix? (FAQ)
- Who Has the Cheapest Car Insurance Rates for a Subaru Outback in Phoenix? (FAQ)
- Who Has Affordable Auto Insurance Quotes for a Learners Permit in Phoenix? (FAQ)
- Who Has the Cheapest Auto Insurance for Nurses in Phoenix? (FAQ)
- Warning systems don’t curb driver distraction (Insurance Institute for Highway Safety)
- Airbag FAQ (iihs.org)
- Young Drivers: The High Risk Years Video (iihs.org)