Shopping for lower priced Philadelphia Toyota Venza insurance quotes over the internet may seem to be challenging for drivers new to online price comparisons. With dozens of online companies available, how can you effectively compare each option to find the best available rates?
We don’t have to point out that fact that car insurance companies don’t want their customers to go rate shopping. Drivers who shop around for cheaper rates are likely to buy a new policy because there is a good probability of finding a policy with more affordable rates. A recent survey revealed that drivers who did price comparisons regularly saved over $3,500 over four years compared to those who don’t make a habit of comparing rates.
If finding the lowest price for insurance is the reason you’re reading this, understanding the best ways to shop for insurance rates can help make the process easier.
Consumers should take time to shop coverage around periodically because prices are variable and change quite frequently. Just because you had the lowest price on Toyota Venza insurance in Philadelphia six months ago you may be paying too much now. Ignore everything you know about insurance because you’re going to get a crash course in the best way to remove unneeded coverages and save money.
Best Toyota Venza insurance prices in Pennsylvania
The following companies provide comparison quotes in Philadelphia, PA. If multiple companies are listed, we recommend you visit several of them to get a more complete price comparison.
Analysis of coverages
The rate information below highlights estimates of prices for Toyota Venza models. Having insight into how rate quotes are figured can be valuable when making informed decisions when comparing rates.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Venza 2WD 4-Dr | $318 | $622 | $444 | $26 | $134 | $1,544 | $129 |
| Venza AWD 4-Dr | $318 | $622 | $444 | $26 | $134 | $1,544 | $129 |
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Data rating is based on single female driver age 30, no speeding tickets, no at-fault accidents, $250 deductibles, and Pennsylvania minimum liability limits. Discounts applied include claim-free, multi-vehicle, multi-policy, homeowner, and safe-driver. Estimates do not factor in specific garaging location which can impact coverage prices greatly.
Deductible comparison
One of the hardest decisions when shopping for insurance is how high should the physical damage deductibles be. The comparison tables below illustrate the premium difference when you select higher and lower insurance deductibles. The first set of rates uses a $100 physical damage coverage deductible and the second set of prices uses a $1,000 deductible.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Venza 2WD 4-Dr | $320 | $602 | $330 | $20 | $98 | $1,395 | $116 |
| Venza AWD 4-Dr | $320 | $602 | $330 | $20 | $98 | $1,395 | $116 |
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| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Venza 2WD 4-Dr | $178 | $318 | $330 | $20 | $98 | $944 | $79 |
| Venza AWD 4-Dr | $178 | $318 | $330 | $20 | $98 | $944 | $79 |
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Table data represents married male driver age 30, no speeding tickets, no at-fault accidents, and Pennsylvania minimum liability limits. Discounts applied include safe-driver, multi-vehicle, homeowner, claim-free, and multi-policy. Price information does not factor in specific garaging location which can change coverage rates considerably.
Based on the figures above, using a $100 deductible would cost the average driver about $37 more each month or $444 for a full year than choosing the higher $1,000 deductible. Because you would pay $900 more if you file a claim with a $1,000 deductible as compared to a $100 deductible, if you have at least 24 months between claims, you would come out ahead by selecting a higher deductible.
How violations and accidents impact rates
The diagram below illustrates how violations and accidents can influence Toyota Venza insurance costs for different age groups. The price estimates are based on a single male driver, full physical damage coverage, $250 deductibles, and no discounts are factored in.
These discounts can slash Toyota Venza insurance rates
Properly insuring your vehicles can get expensive, but there’s a good chance there are discounts that could help you make your next renewal payment. Most are applied when you complete an application, but a few must be specially asked for before they will apply.
- Drive Less and Save – Driving less could qualify for substantially lower rates.
- Bundle and Save – If you insure your home and vehicles and place coverage with the same company you could save at least 10% off all policies.
- Driver Education Discount – Cut your cost by having your teen driver take driver’s ed class in school.
- Good Student Discount – Being a good student could provide a savings of up to 20% or more. Most companies allow this discount up until you turn 25.
- Full Payment Discount – If you can afford to pay the entire bill instead of monthly or quarterly installments you may have a lower total premium amount.
- Telematics Devices – People who choose to allow driving data submission to analyze when and where they use their vehicle by using a small device installed in their vehicle like Allstate’s Drivewise may get a rate reduction if they exhibit good driving behavior.
- Discounts for Seat Belt Usage – Using a seat belt and requiring all passengers to buckle their seat belts can save up to 15% off the personal injury premium cost.
- Accident Forgiveness Coverage – This one is not really a discount per se, but some insurance companies may permit one accident before they charge you more for coverage so long as you are claim-free for a set time period.
Drivers should understand that some of the credits will not apply to the whole policy. Most only reduce individual premiums such as physical damage coverage or medical payments. Despite the appearance that all the discounts add up to a free policy, companies wouldn’t make money that way. Any amount of discount will reduce your car insurance premiums.
The example below visualizes the comparison of Toyota Venza yearly insurance costs with and without discounts applied to the policy rates. The premium estimates are based on a female driver, no driving violations, no at-fault accidents, Pennsylvania state minimum liability limits, full physical damage 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, multi-policy, multi-car, claim-free, marriage, and homeowner discounts applied.
A partial list of companies that may offer these discounts may include but are not limited to:
When quoting, ask all the companies which discounts you may be entitled to. Some discounts listed above might not be offered on policies in every state. To locate car insurance companies that offer many of these discounts in Philadelphia, follow this link.
When to contact a local insurance agent
Many people just prefer to sit down with an agent and that is a smart decision One of the great benefits of getting online price quotes is the fact that drivers can get cheaper rates and still choose a local agent. Putting coverage with neighborhood insurance agencies is still important in Philadelphia.
For easy comparison, once you complete this quick form, your insurance coverage information is instantly submitted to companies in Philadelphia that can give you free Philadelphia auto insurance quotes for your insurance coverage. You never need to drive around since price quotes are sent instantly to you. You can find the lowest rates without requiring a lot of work. In the event you want to quote rates for a specific company, don’t hesitate to visit that company’s website and give them your coverage information.
If you are wanting to find a reputable agency, it’s important to understand the types of insurance agents that you can choose from. Philadelphia agents can be categorized as either independent agents or exclusive agents depending on their employer.
Independent Car Insurance Agents (or Brokers)
Agents of this type do not have single company limitations and that is an advantage because they can write policies with many different companies enabling the ability to shop coverage around. If premiums increase, your policy is moved internally which is easy for the insured.
When comparing car insurance prices, we highly recommend that you check rates from independent agents so that you can do a thorough price comparison. A lot of them also have access to smaller mutual companies that many times have cheaper rates.
Featured below is a list of independent insurance agencies in Philadelphia that may be able to give you cheap rate quotes.
- Juniata Ins Agency
1206 E Hunting Park Ave – Philadelphia, PA 19124 – (215) 533-9701 – View Map - Rexach Insurance Agency
2932 N 5th St – Philadelphia, PA 19133 – (215) 229-6320 – View Map - Gallo Insurance Agency
617 S 18th St – Philadelphia, PA 19146 – (215) 545-9500 – View Map
Exclusive Agencies
These agents can only place business with one company and some examples include Allstate and State Farm. They are unable to compare rates from other companies so you might not find the best rates. Exclusive insurance agents are well trained on their company’s products and that allows them to sell at a higher price point. Some consumers prefer to buy from exclusive agents mainly due to the prominence of the brand rather than having the cheapest rates.
Below is a short list of exclusive agents in Philadelphia who can help you get price quotes.
- Les Moore – State Farm Insurance Agent
6750 N 5th St – Philadelphia, PA 19126 – (215) 224-4400 – View Map - Dave Penning – State Farm Insurance Agent
2962 Robbins Ave – Philadelphia, PA 19149 – (215) 537-8050 – View Map - State Farm – Philadelphia – Thanh Pham
254 S 10th St – Philadelphia, PA 19107 – (215) 238-7400 – View Map
Finding a good insurance agency should include more criteria than just a low price. These are some questions you should get answers to.
- Where would glass claims be handled in Philadelphia?
- If you have an accident, are you able to get your vehicle repaired at the shop of your choice?
- What is their Better Business Bureau rating?
- How experienced are they in personal risk management?
- Do they get extra compensation for selling add-on coverages?
- Do they assist clients in filing claims?
- How does the company pay claims for a total loss?
- Is the agency covered by Errors and Omissions coverage?
Persistence pays off
We just presented many tips how you can reduce Toyota Venza insurance rates online in Philadelphia. It’s most important to understand that the more quotes you get, the better likelihood of getting low cost Philadelphia auto insurance quotes. You may even discover the lowest priced auto insurance comes from some of the lesser-known companies.
As you shop your coverage around, it’s not a good idea to skimp on coverage in order to save money. There are many occasions where someone dropped full coverage only to regret they didn’t have enough coverage. The proper strategy is to purchase plenty of coverage for the lowest cost while still protecting your assets.
Consumers who switch companies do it for a number of reasons such as lack of trust in their agent, delays in paying claims, unfair underwriting practices or an unsatisfactory settlement offer. Regardless of your reason for switching companies, finding a new auto insurance company is not as difficult as it may seem.
Much more information about auto insurance in Pennsylvania is located at these links:
- Medical Payments Coverage (Liberty Mutual)
- How Much are Philadelphia Car Insurance Rates for a Ford Escape? (FAQ)
- Who Has Affordable Philadelphia Auto Insurance for Low Credit Scores? (FAQ)
- Tread Depth and Tire Safety (State Farm)
- Teen Driving and Texting (State Farm)
- What is a Telematics Device? (Allstate)
- Understanding Car Crashes Video (iihs.org)