Confused by the crazy number of auto insurance providers available to you? People have so many providers available that it can turn into a chore to lower your rates for Toyota Avalon insurance in Fresno. Fresno is an awesome place to live, but paying high auto insurance rates makes it impossible to be able to buy decent coverage.
How to find affordable Toyota Avalon insurance in Fresno
If you want to save the most money, the best way to find cheaper Toyota Avalon insurance in Fresno is to make a habit of comparing prices annually from different companies who sell insurance in California. This can be done by following these guidelines.
- Try to learn about auto insurance and the changes you can make to lower rates. Many things that increase rates such as multiple speeding tickets and a negative credit history can be controlled by being financially responsible and driving safely.
- Compare rates from independent agents, exclusive agents, and direct companies. Direct companies and exclusive agencies can only provide price estimates from a single company like GEICO and State Farm, while independent agencies can give you price quotes from multiple insurance companies.
- Compare the new rate quotes to your existing coverage and determine if cheaper Avalon coverage is available in Fresno. If you find a better price and change companies, make sure there is no lapse in coverage.
- Provide adequate notice to your current company of your decision to cancel your current policy and submit payment and a completed application to the new company. Once coverage is bound, place your new certificate verifying coverage in your vehicle’s glove compartment or console.
One bit of advice is to make sure you enter similar deductibles and liability limits on each quote and and to compare as many carriers as you can. Doing this enables a level playing field and a complete price analysis.
It’s easy to assume that auto insurance companies don’t want customers comparing rates. People who shop around annually will most likely move their business because the odds are good of finding coverage at a cheaper rate. Remarkably, a study showed that consumers who compared rate quotes regularly saved $70 a month compared to other drivers who never shopped around for cheaper prices.
If finding the best price on insurance is the reason for your visit, then learning about how to find and compare auto insurance can make it easier for you to save money.
It’s smart to quote other rates quite often because auto insurance prices are adjusted regularly by insurance companies. Just because you had the best quotes on Toyota Avalon insurance in Fresno two years ago a different company probably has better rates today. There is too much inaccurate information about Avalon insurance on the web, but in this article, you’re going to get some guaranteed methods to buy auto insurance cheaper in Fresno.
Cheapest companies for Toyota Avalon insurance
The companies shown below offer quotes in Fresno, CA. If multiple companies are listed, it’s highly recommended you click on several of them to get the cheapest price.
Analysis of coverages
The coverage table shown next highlights estimates of prices for Toyota Avalon models. Having insight into how insurance policy rates are determined can help you make decisions when choosing a new policy provider.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Avalon XL | $386 | $576 | $376 | $22 | $112 | $1,472 | $123 |
| Avalon XLS | $386 | $678 | $376 | $22 | $112 | $1,574 | $131 |
| Avalon Limited | $430 | $678 | $376 | $22 | $112 | $1,618 | $135 |
| Get Your Own Custom Quote Go | |||||||
Data rating is based on married male driver age 30, no speeding tickets, no at-fault accidents, $250 deductibles, and California minimum liability limits. Discounts applied include homeowner, claim-free, multi-vehicle, multi-policy, and safe-driver. Rate quotes do not factor in specific zip code location which can decrease or increase auto insurance rates noticeably.
An analysis of deductible level
When comparing car insurance rates, the most common question is which deductibles should you choose. The comparisons below can help you understand the premium difference between low and high deductibles. The first rate estimation uses a $100 deductible and the second price table uses a $500 deductible.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Avalon XL | $430 | $686 | $376 | $22 | $112 | $1,651 | $138 |
| Avalon XLS | $430 | $810 | $376 | $22 | $112 | $1,775 | $148 |
| Avalon Limited | $478 | $810 | $376 | $22 | $112 | $1,823 | $152 |
| Get Your Own Custom Quote Go | |||||||
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Avalon XL | $314 | $464 | $376 | $22 | $112 | $1,288 | $107 |
| Avalon XLS | $314 | $546 | $376 | $22 | $112 | $1,370 | $114 |
| Avalon Limited | $348 | $546 | $376 | $22 | $112 | $1,404 | $117 |
| Get Your Own Custom Quote Go | |||||||
Premium data assumes married male driver age 30, no speeding tickets, no at-fault accidents, and California minimum liability limits. Discounts applied include homeowner, multi-policy, safe-driver, multi-vehicle, and claim-free. Premium amounts do not factor in the specific area where the vehicle is garaged which can revise auto insurance rates substantially.
Based on the figures above, using a $100 deductible could cost the average driver approximately $33 more each month or $396 a year than choosing the higher $500 deductible. Due to the fact that you would have to pay $400 more if you turn in a claim with a $500 deductible as compared to a $100 deductible, if you usually have at a minimum 12 months between claim filings, you would probably come out ahead if you choose the higher deductible. Below is how you can decide this on your own policy.
| Average monthly premium for $100 deductibles: | $146 |
| Average monthly premium for $500 deductibles (subtract): | – $113 |
| Monthly savings from raising deductible: | $33 |
| Difference between deductibles ($500 – $100): | $400 |
| Divide difference by monthly savings: | $400 / $33 |
| Number of months required between physical damage coverage claims in order to save money by choosing the higher deductible | 12 months |
An important sidenote is that a higher deductible means you pay more out-of-pocket when you have a claim. You need some non-essential savings in the event you need to pay more for the deductible.
Car insurance premiums by gender
The example below visualizes the comparison of Toyota Avalon car insurance costs for male and female drivers. The information is based on no claims, a clean driving record, comprehensive and collision coverage, $250 deductibles, marital status is single, and no additional discounts are factored in.
Does it make sense to buy full coverage?
The illustration below illustrates the comparison of Toyota Avalon insurance prices with and without physical damage coverage. The prices are based on no claims or violations, $500 deductibles, drivers are single, and no additional discounts are factored in.
When to stop buying physical damage coverage
There is no exact rule to exclude full coverage, but there is a guideline you can consider. If the annual cost of coverage is 10% or more of replacement cost minus your deductible, then you may need to consider dropping full coverage.
For example, let’s say your Toyota Avalon book value is $6,000 and you have $1,000 physical damage deductibles. If your vehicle is totaled, you would only receive $5,000 after paying the physical damage deductible. If you are paying in excess of $500 annually for full coverage, then it might be time to consider dropping full coverage.
There are some cases where removing full coverage is not a good idea. If you still have a lienholder on your title, you are required to maintain full coverage as part of the loan conditions. Also, if your finances do not allow you to purchase a different vehicle in the even your car is totaled, you should not eliminate full coverage.
Save a ton on Toyota Avalon insurance in Fresno with these car insurance discounts
Insuring your fleet can be pricey, but there could be available discounts that you may not even be aware of. Most are applied at the time of purchase, but once in a while a discount must be specially asked for prior to getting the savings.
- Drive Less and Save – Driving less may enable drivers to earn cheaper premium rates.
- Discount for Passive Restraints – Factory air bags or automatic seat belts may earn rate discounts of 20% or more.
- Defensive Driver Discount – Passing a driver safety course could earn you a small percentage discount depending on where you live.
- Own a Home and Save – Owning your own home or condo can earn you a little savings because maintaining a house requires a higher level of personal finance.
- Claim Free – Drivers who don’t have accidents pay less when compared with drivers who are more careless.
- Accident Forgiveness Coverage – Not a discount per se, but some companies like Progressive, Allstate, and GEICO will forgive one accident without raising rates if you are claim-free prior to the accident.
- Online Discount – Certain car insurance companies will discount your bill up to fifty bucks for signing up on the internet.
- Include Life Insurance and Save – Not all car insurance companies offer life insurance, but some may give you lower car insurance rates if you buy life insurance from them.
A quick disclaimer, most of the big mark downs will not be given to the entire policy premium. Most only reduce individual premiums such as liability and collision coverage. So even though you would think you can get free auto insurance, you won’t be that lucky.
The chart below illustrates the difference between Toyota Avalon annual premium costs with and without discounts applied. The rates are based on a male driver, no violations or accidents, California state minimum liability limits, full physical damage coverage, and $250 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with safe-driver, multi-policy, marriage, homeowner, claim-free, and multi-car discounts applied.
A few of the larger companies and a summarized list of policyholder discounts are outlined below.
- State Farm has savings for defensive driving training, Steer Clear safe driver discount, passive restraint, student away at school, good student, good driver, and multiple policy.
- GEICO may offer discounts for good student, five-year accident-free, seat belt use, defensive driver, membership and employees, and emergency military deployment.
- Liberty Mutual offers discounts for preferred payment discount, exclusive group savings, new move discount, teen driver discount, and new graduate.
- The Hartford discounts include driver training, defensive driver, air bag, anti-theft, and vehicle fuel type.
- MetLife may have discounts that include good driver, accident-free, multi-policy, good student, and defensive driver.
- Progressive includes discounts for online signing, good student, homeowner, multi-policy, multi-vehicle, online quote discount, and continuous coverage.
If you need inexpensive Fresno auto insurance quotes, ask every company which discounts you qualify for. Some of the discounts discussed earlier may not apply everywhere.
Independent and exclusive insurance agencies
A lot of people prefer to get advice from a local agent and that is a personal choice. One of the great benefits of comparing rate quotes online is that you can obtain lower prices but still work with a licensed agent. Supporting local agents is definitely important in Fresno.
To find an agent, once you fill out this quick form, the coverage information is transmitted to participating agents in Fresno that give free quotes for your business. You won’t even need to even leave your home since rate quotes are delivered to the email address you provide. You can find the lowest rates AND a local agent. If you wish to get a rate quote for a specific company, just find their quoting web page and fill out their quote form.
Exclusive agents vs. Independent agents
If you would like to find a reputable agency, it helps to know the two different agency structures and how they are slightly different. Insurance agencies in Fresno are either independent or exclusive depending on the company they work for.
Independent Agents
These type of agents often have affiliation with several companies so they can insure your vehicles through many companies and get the cheapest rates. If prices rise, an independent agent can move your coverage and you can keep the same agent.
If you are comparing rate quotes, you need to compare prices from independent agents in order to compare the most rates. Most also write with different regional companies which can be an advantage.
Listed below is a partial list of independent insurance agents in Fresno that can possibly get you comparison quotes.
- Covered California Fresno
4005 N Blackstone Ave #101 – Fresno, CA 93726 – (559) 222-4140 – View Map - Reza Sarkhosh Insurance Agency, Inc.
2491 W Shaw Ave #124 – Fresno, CA 93711 – (559) 243-9000 – View Map - James G. Parker Insurance Associates
1753 E Fir Ave – Fresno, CA 93720 – (559) 222-7722 – View Map
Exclusive Insurance Agents
These type of agents can only provide pricing for a single company and examples are Farmers Insurance, State Farm, or Allstate. They usually cannot compare rates from other companies so keep that in mind. Exclusive insurance agents are usually quite knowledgeable on sales techniques which can be an advantage. Consumers sometimes choose to use an exclusive agent mostly because of the prominent brand name rather than low price.
Listed below is a short list of exclusive insurance agents in Fresno that are able to give price quotes.
- Lynn Hamilton – State Farm Insurance Agent
6716 N Cedar Ave #210 – Fresno, CA 93710 – (559) 323-9800 – View Map - Farmers Insurance – Belen Sanchez-Ceja
2155 N Fresno St #A – Fresno, CA 93703 – (559) 252-2345 – View Map - Steph Flores Peters – State Farm Insurance Agent
371 E Bullard Ave #104 – Fresno, CA 93710 – (559) 274-0600 – View Map
Finding the right car insurance agent requires more thought than just the bottom line cost. These are some questions you should get answers to.
- How often do they review coverages?
- Will high miles depreciate repair valuations?
- Do they receive special compensation for putting your coverage with one company over another?
- Will they give you a referral list?
- Will your rates increase after a single accident?
- In the event of vehicle damage, can you pick the collision repair facility?
Once you have good answers in addition to an acceptable price estimate, you’ve probably found an insurance agent that meets your needs to adequately provide insurance.
California car insurance companies ranked
Picking the top company can be difficult considering how many choices there are in Fresno. The company information below could help you pick which auto insurance companies to look at to insure your vehicles.
Top 10 Fresno Car Insurance Companies by A.M. Best Rank
- USAA – A++
- Travelers – A++
- State Farm – A++
- GEICO – A++
- Esurance – A+
- Nationwide – A+
- Allstate – A+
- Mercury Insurance – A+
- Progressive – A+
- Titan Insurance – A+
Top 10 Fresno Car Insurance Companies Ranked by Value
- USAA
- American Family
- The Hartford
- AAA of Southern California
- Titan Insurance
- The General
- AAA Insurance
- State Farm
- Mercury Insurance
- Nationwide
Cheap auto insurance premiums are possible
In this article, we covered many ways to find cheaper Toyota Avalon insurance in Fresno. The key thing to remember is the more companies you get car insurance rates for, the higher your chance of finding affordable Fresno auto insurance quotes. Drivers may even discover the biggest savings come from a small local company.
Cheaper auto insurance in Fresno is possible both online as well as from insurance agents, so you need to quote Fresno auto insurance with both so you have a total pricing picture. There are still a few companies who may not offer online rate quotes and usually these smaller providers only sell coverage through local independent agencies.
While you’re price shopping online, you should never buy lower coverage limits just to save a few bucks. There are a lot of situations where an accident victim reduced liability limits or collision coverage only to discover later that it was a big error on their part. Your aim should be to buy the best coverage you can find for the lowest price, but do not sacrifice coverage to save money.
Steps to buying cheaper Toyota Avalon insurance in Fresno
It takes a few minutes, but the best way to get the cheapest Toyota Avalon insurance in Fresno is to start doing a yearly price comparison from different companies in California. You can compare prices by completing these steps.
- Try to comprehend coverages and the changes you can make to prevent expensive coverage. Many risk factors that increase rates such as traffic violations, accidents, and an unacceptable credit history can be rectified by improving your driving habits or financial responsibility.
- Quote rates from direct carriers, independent agents, and exclusive agents. Direct and exclusive agents can only give rate quotes from one company like GEICO and Allstate, while independent agents can quote rates for many different companies. View companies
- Compare the new rate quotes to the premium of your current policy to determine if switching companies saves money. If you can save money, ensure there is no coverage lapse between policies.
- Provide notification to your current company of your intention to cancel your existing policy and submit the completed application along with a down payment to the newly selected company. As soon as you can, keep your new certificate verifying coverage with your registration paperwork.
An important part of this process is to make sure you’re comparing identical deductibles and limits on each price quote and to quote with every company you can. This helps ensure a fair price comparison and a complete rate analysis.
Additional information is available below:
- Help Your Teen Be a Better Driver (State Farm)
- How Much are Car Insurance Rates for Infrequent Drivers in Fresno? (FAQ)
- Self-driving cars won’t replace humans (Insurance Institute for Highway Safety)
- What is Gap Insurance? (Insurance Information Institute)
- Safety Features for Your New Car (State Farm)