Are you researching cheaper Toyota Avalon insurance in Raleigh? Trying to find the cheapest insurance for a Toyota Avalon in North Carolina can normally be difficult, but you can learn the following methods to save time.
There are both good and bad ways to compare insurance rates and you need to know the best way to price shop coverage on a Toyota and get the lowest possible price either online or from Raleigh insurance agents.
Finding affordable coverage in Raleigh is quite easy. If you have a policy now or need a new policy, use these techniques to find better prices and still have adequate protection. Consumers only have to learn the most effective way to compare rate quotes instantly.
Most of the larger companies provide prices for coverage directly from their websites. Obtaining pricing for Toyota Avalon insurance in Raleigh doesn’t take much effort because you just enter your required coverages into the quote form. Once entered, the quote system gets your driving and credit reports and gives you a price quote.
Getting online price quotes for Toyota Avalon insurance in Raleigh simplifies rate comparisons, and it is important to do this if you are searching for the most affordable premium possible.
To quickly compare rates now, compare rates from the companies below. To compare your current rates, we recommend that you enter the insurance coverages identical to your current policy. Doing this assures you will receive comparison quotes using the same coverage and limits.
The companies in the list below are our best choices to provide price comparisons in Raleigh, NC. If you want the best cheap car insurance in North Carolina, we suggest you visit two to three different companies to get the cheapest price.
Analysis of Toyota Avalon rates
The coverage information displayed below showcases detailed analysis of insurance policy prices for Toyota Avalon models. Having a good understanding how policy premiums are calculated can help customers make smart choices when buying a policy.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Avalon XL | $152 | $204 | $278 | $16 | $84 | $734 | $61 |
| Avalon XLS | $152 | $240 | $278 | $16 | $84 | $770 | $64 |
| Avalon Limited | $170 | $240 | $278 | $16 | $84 | $788 | $66 |
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Premium data assumes single male driver age 30, no speeding tickets, no at-fault accidents, $1000 deductibles, and North Carolina minimum liability limits. Discounts applied include multi-policy, homeowner, multi-vehicle, safe-driver, and claim-free. Prices do not factor in vehicle garaging location which can impact coverage rates significantly.
Analysis of deductible levels
One frequently asked question is how high or low should comp and collision deductibles be. The rates shown below illustrate the differences in price of buying low and high insurance deductibles. The first set of rates uses a $250 physical damage deductible and the second pricing table uses a $1,000 deductible.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Avalon XL | $218 | $324 | $212 | $12 | $64 | $855 | $71 |
| Avalon XLS | $218 | $382 | $212 | $12 | $64 | $913 | $76 |
| Avalon Limited | $242 | $382 | $212 | $12 | $64 | $937 | $78 |
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| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Avalon XL | $134 | $204 | $212 | $12 | $64 | $626 | $52 |
| Avalon XLS | $134 | $240 | $212 | $12 | $64 | $662 | $55 |
| Avalon Limited | $150 | $240 | $212 | $12 | $64 | $678 | $57 |
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Data rating is based on married male driver age 30, no speeding tickets, no at-fault accidents, and North Carolina minimum liability limits. Discounts applied include safe-driver, multi-vehicle, homeowner, claim-free, and multi-policy. Premium amounts do not factor in vehicle location which can revise coverage rates significantly.
Based on the data above, we can derive that using a $250 deductible could cost the average driver approximately $20 more each month or $240 for a full year than buying the higher $1,000 deductible. Because you would be required to pay $750 more if you turn in a claim with a $1,000 deductible as compared to a $250 deductible, if you average more than 38 months between claim filings, you would probably save some money if you choose a higher deductible.
The diagram below highlights how deductible selection and can affect Toyota Avalon premium costs for different age groups. The information is based on a married male driver, comprehensive and collision coverage, and no discounts are taken into consideration.
Auto insurance rates based on gender in Raleigh
The chart below visualizes the comparison of Toyota Avalon insurance costs for male and female drivers. The information is based on no accidents, no driving violations, comprehensive and collision coverage, $500 deductibles, marital status is single, and no discounts are applied to the premium.
Difference between liability only and full coverage rates
The chart below shows the comparison of Toyota Avalon auto insurance costs with and without physical damage coverage, medical payments, and uninsured/under-insured motorist coverage. Data assumes no violations or claims, $250 deductibles, drivers are single, and no policy discounts are applied.
Should you pay for full coverage?
There is no definitive rule that is best for determining when to drop physical damage coverage, but there is a general guideline you can use. If the yearly cost of full coverage is more than about 10% of the replacement cost minus the deductible, then you might want to think about dropping full coverage.
For example, let’s assume your Toyota Avalon claim settlement value is $9,000 and you have $1,000 deductibles. If your vehicle is totaled in an accident, the most you would get paid by your company is $8,000 after the deductible is paid. If you are currently paying more than $800 a year to have full coverage, then you may want to consider only buying liability coverage.
There are some scenarios where dropping physical damage coverage is not recommended. If you haven’t paid off your loan, you have to carry full coverage to protect the lienholder’s interest in the vehicle. Also, if you can’t afford to buy a different vehicle if your current one is damaged, you should keep full coverage in place.
Discounts mean cheaper rates for Toyota Avalon insurance in Raleigh
Companies don’t list all their discounts in an easy-to-find place, so the following is a list of both well-publicized and also the more inconspicuous savings tricks you should be using when you buy Raleigh car insurance online.
- Mature Driver Discount – Drivers that qualify as senior citizens can possibly qualify for lower premium rates.
- Driver Safety – Taking a course in driver safety could earn you a small percentage discount if your company offers it.
- Anti-theft Discount – Vehicles equipped with anti-theft or alarm systems prevent vehicle theft and that can save you a little bit as well.
- Save with a New Car – Buying a new car instead of a used Avalon can save up to 30% because newer vehicles are generally safer.
- Multi-line Discount – Select insurance carriers reward you with a discounted auto insurance rate on car insurance if you buy a life policy as well.
- Good Drivers – Insureds without accidents may receive a discount up to 45% as compared to drivers with claims.
- Own a Home and Save – Owning your own home or condo may trigger a policy discount on auto insurance because it requires personal responsibility.
- Bundled Policy Discount – If you can bundle your home and auto insurance with the same insurance company they may give you a discount of over 10 percent off each policy depending on the company.
- Full Payment Discount – If you pay your entire premium ahead of time rather than spreading payments over time you may reduce your total bill.
- Good Student – Getting good grades may save as much as 25% on a Raleigh car insurance quote. Most companies allow this discount until age 25.
We need to note that most discounts do not apply to the entire cost. Most only apply to the cost of specific coverages such as collision or personal injury protection. Despite the appearance that you would end up receiving a 100% discount, companies don’t profit that way.
The information below illustrates the comparison of Toyota Avalon car insurance costs with and without discounts applied. The price estimates are based on a female driver, no violations or claims, North Carolina state minimum liability limits, comp and collision included, and $1,000 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with safe-driver, claim-free, marriage, multi-car, homeowner, and multi-policy discounts applied.
A few popular companies and a partial list of their discounts are shown below.
- GEICO offers discounts for defensive driver, military active duty, air bags, good student, multi-vehicle, membership and employees, and anti-lock brakes.
- Mercury Insurance offers discounts including anti-theft, ease of repair, age of vehicle, good student, location of vehicle, multi-policy, and low natural disaster claims.
- Farmers Insurance may have discounts that include youthful driver, pay in full, electronic funds transfer, multi-car, and bundle discounts.
- Auto-Owners Insurance offers premium reductions for air bags, multi-policy, safe vehicle, mature driver, anti-lock brakes, and group or association.
- Liberty Mutual includes discounts for safety features, newly retired, exclusive group savings, good student, and hybrid vehicle.
- SAFECO discounts include safe driver, multi-car, anti-theft, anti-lock brakes, homeowner, and teen safe driver.
- Progressive policyholders can earn discounts including continuous coverage, multi-vehicle, multi-policy, homeowner, and online quote discount.
- USAA may offer discounts for vehicle storage, defensive driver, safe driver, family discount, good student, new vehicle, and military installation.
If you need inexpensive Raleigh car insurance quotes, ask all the companies which discounts you qualify for. Some discounts listed above may not apply to policyholders in Raleigh. To choose auto insurance companies that have a full spectrum of discounts in North Carolina, click here to view.
Why you need vehicle insurance in North Carolina
Despite the potentially high cost of Toyota Avalon insurance, paying for car insurance is required by state law in North Carolina and it also provides benefits you may not be aware of.
First, just about all states have compulsory liability insurance requirements which means you are required to buy a minimum amount of liability insurance in order to license the vehicle. In North Carolina these limits are 30/60/25 which means you must have $30,000 of bodily injury coverage per person, $60,000 of bodily injury coverage per accident, and $25,000 of property damage coverage.
Second, if your Toyota Avalon has a loan, it’s guaranteed your bank will require that you have comprehensive coverage to protect their interest in the vehicle. If coverage lapses or is canceled, the lender will be forced to insure your Toyota at a more expensive rate and force you to pay the higher premium.
Third, car insurance preserves both your assets and your Toyota Avalon. It also can pay for all forms of medical expenses for both you and anyone you injure as the result of an accident. Liability coverage, the one required by state law, also pays expenses related to your legal defense if anyone sues you for causing an accident. If your Toyota gets damaged, collision and comprehensive (also known as other-than-collision) coverage will pay to have it repaired.
The benefits of buying car insurance definitely exceed the price paid, particularly when you have a large claim. In a recent study of 1,000 drivers, the average customer is overpaying more than $820 a year so smart consumers compare quotes at every policy renewal to be sure current rates are still competitive.
How to find a good Raleigh car insurance company
Ending up with the best insurance provider can be challenging considering how many companies are available to choose from in North Carolina. The rank data listed below could help you choose which auto insurers you want to consider when comparing rate quotes.
Top 10 Raleigh Car Insurance Companies Ranked by Claims Service
- Travelers
- Nationwide
- Allstate
- State Farm
- Liberty Mutual
- GEICO
- American Family
- Esurance
- Titan Insurance
- AAA Insurance
Top 10 Raleigh Car Insurance Companies Ranked by Customer Service
- USAA
- Travelers
- Mercury Insurance
- AAA Insurance
- Nationwide
- Safeco Insurance
- Progressive
- State Farm
- The Hartford
- The General
Situations that may require an agent’s advice
When it comes to buying proper insurance coverage for your personal vehicles, there is no one-size-fits-all type of policy. Your needs are not the same as everyone else’s so your insurance should reflect that
Here are some questions about coverages that may help you determine if you might need professional guidance.
- Does coverage extend to my business vehicle?
- What does UM/UIM cover?
- What are good deductibles for a Toyota Avalon?
- Where can I find DUI or SR-22 insurance?
- Am I covered when using my vehicle for business?
- Do I need roadside assistance coverage?
- Which companies are cheaper for teen drivers?
If you can’t answer these questions but one or more may apply to you, then you may want to think about talking to an insurance agent. If you want to speak to an agent in your area, simply complete this short form or go to this page to view a list of companies. It only takes a few minutes and can help protect your family.
Insurance agent or online?
A lot of people just want to sit down with an agent and that is just fine! Good agents can point out coverage gaps and help file insurance claims. One of the best bonuses of comparing rate quotes online is you may find cheap insurance quotes but still work with a licensed agent. Putting coverage with local insurance agencies is important especially in Raleigh.
Once you complete this short form, the quote information is submitted to participating agents in Raleigh who will give competitive quotes for your insurance coverage. You won’t need to leave your computer since rate quotes are delivered straight to your inbox. In the event you want to quote rates from one company in particular, just jump over to their website and fill out their quote form.
Pick the best car insurance agent in Raleigh for you
If you want to buy insurance from a local agent, it can be helpful to understand the different types of agencies and how they can write your policy. Agents are considered either independent or exclusive depending on the company they work for. Both insure your vehicles, but it’s worth mentioning the subtle differences because it can factor into which type of agent you select.
Independent Insurance Agents
Agents that choose to be independent do not work for one specific company so they can insure your vehicles with lots of companies and find the cheapest rate. If you are not satisfied with one company, the agent simply finds a different carrier and you don’t have to do anything. When comparison shopping, it’s recommended you check rates from several independent insurance agents so that you have a good selection of quotes to compare. Many can place coverage with lesser-known insurance companies that may have much lower rates than larger companies.
Listed below is a list of independent agents in Raleigh who may be able to give you free insurance rate quotes.
- Compare Insurance Agency LLC
6531 Creedmoor Rd # 206 – Raleigh, NC 27613 – (919) 863-0150 – View Map - Marcus L Davis Agency
3901 Barrett Dr Suite 312 – Raleigh, NC 27609 – (919) 772-7698 – View Map - Young Insurance Associates, Inc
2609 Atlantic Ave #107 – Raleigh, NC 27604 – (919) 322-4186 – View Map
Exclusive Agents
Agents in the exclusive channel generally can only insure with one company and some examples include Allstate and State Farm. Exclusive agencies are unable to provide prices from multiple companies so they have no alternatives for high prices. Exclusive agents are trained well on sales techniques and that allows them to sell at a higher price point. Some people will only use the same exclusive agent mainly due to the prominence of the brand and the convenience of having all coverages with one company.
Shown below is a list of exclusive insurance agencies in Raleigh who can help you get price quotes.
- Mary Wilson – State Farm Insurance – Raleigh
9660 Falls of Neuse Rd #165 – Raleigh, NC 27615 – (919) 872-1225 – View Map - Doug Wingate – State Farm Insurance Agent
2414 Wycliff Rd #110 – Raleigh, NC 27607 – (919) 787-0888 – View Map - Amanda Hagood – State Farm Insurance Agent
5910 Duraleigh Rd #135 – Raleigh, NC 27612 – (919) 834-3615 – View Map
Finding a good insurance agency is decision based upon more than just a cheap price quote. Here are some questions to ask:
- Will you be dealing directly with the agent or with a Custom Service Representative (CSR)?
- Which company do they place the most coverage with?
- Does the company allow you to choose your own collision repair facility?
- Will your rates increase after a single accident?
- Do they reduce claim amounts on high mileage vehicles?
After talking to the agent and getting good answers and a low price estimate, chances are good that you have found an insurance agency that meets your needs to service your policy. Just remember you are able to cancel your policy whenever you wish so don’t feel that you are obligated to the insurance policy with no way to switch.