9 Ways You Can Buy Coverage for a Toyota Rav4 For Less

Paying for high-priced Toyota Rav4 insurance can overdraw your checking account and put the squeeze on your family’s finances. Shopping your coverage around is a smart way to make sure you’re not throwing money away. Multiple car insurance companies compete to insure your vehicles, and because of this it can be hard to compare car insurance companies and get the best coverage at the best price available.

It’s a good habit to get comparison quotes occasionally because prices change quite often. Just because you had the best price on Rav4 insurance a year ago you can probably find a lower rate today. Starting right now, forget anything you know (or think you know) about car insurance because you’re about to learn how to use online quotes to lower your annual insurance bill.

If you are insured now or need a new policy, you will benefit by learning to reduce the price you pay and possibly find even better coverage. Buying car insurance is not that difficult. Consumers only need to know how to compare price quotes over the internet.

Cut your premium with these nine discounts

Auto insurance companies don’t list all available discounts in a way that’s easy to find, so we took the time to find both well-publicized and also the lesser-known savings tricks you should be using. If you aren’t receiving every discount you deserve, you’re just leaving money on the table.

  • Pay Now and Pay Less – If you pay your entire premium ahead of time rather than paying monthly you can actually save on your bill.
  • Multi-car Discount – Having more than one vehicle on one policy could earn a price break for each car.
  • Seat Belts Save – Using a seat belt and requiring all passengers to buckle their seat belts could save 15% off the personal injury premium cost.
  • Save with a New Car – Insuring a new car can be considerably cheaper since new cars are generally safer.
  • No Charge for an Accident – A handful of insurance companies will forgive one accident before your rates go up if your claims history is clear for a particular time prior to the accident.
  • No Claims – Drivers who don’t have accidents can save substantially when compared with accident-prone drivers.
  • Student Driver Training – Require your teen driver to enroll in driver’s education if offered at their school.
  • Safe Drivers – Drivers who don’t get into accidents can pay as much as 50% less on Rav4 insurance than drivers with accidents.
  • Passive Restraints – Cars that have air bags and/or automatic seat belt systems may earn rate discounts of up to 25% or more.

Drivers should understand that some credits don’t apply to your bottom line cost. A few only apply to the cost of specific coverages such as physical damage coverage or medical payments. Even though it may seem like all the discounts add up to a free policy, companies wouldn’t make money that way.

For a list of insurers with the best car insurance discounts, click here.

Comprehensive Car Insurance Comparison Quotes

All major car insurance companies give coverage prices directly from their websites. Getting online quotes is quite easy as you simply enter your required coverages as requested by the quote form. Upon sending the form, the company’s rating system orders reports for credit and driving violations and generates pricing information based on many factors. This helps simplify price comparisons, but the time required to go to a lot of sites and type in the same information gets old quite quickly. But it’s absolutely necessary to get many rate quotes in order to get better prices.

The smarter way to compare car insurance pricing uses one form that gets price quotes from several different companies. This type of form saves time, helps eliminate reptitive entry, and makes comparison shopping much easier to do. After your information is entered, your coverage is rated and you can choose your choice of the quotes returned. If the quotes result in lower rates, it’s easy to complete the application and buy the new coverage. It only takes a few minutes and you will know how your current rates stack up.

If you want to find out how much you’re overpaying now, click here to open in a new tab and submit your coverage information. If you have coverage now, it’s recommended you duplicate the coverage information identical to your current policy. This guarantees you’re receiving a price comparison for exact coverage.

When might I need the advice of an agent?

When it comes to buying coverage, there is no perfect coverage plan. Everyone’s situation is a little different so your insurance should reflect that For instance, these questions might point out whether or not you could use an agent’s help.

  • Will I lose any money if I cancel my policy before it expires?
  • At what point should I drop full coverage?
  • Is my Toyota Rav4 covered for smoke damage?
  • Should I buy only the required minimum liability coverage?
  • Are my tools covered if they get stolen from my vehicle?
  • Should I have combined single limit or split liability limits?
  • Why am I required to buy high-risk coverage?
  • Does my personal policy cover me when driving my company car?

If it’s difficult to answer those questions but one or more may apply to you, you might consider talking to a licensed agent. If you don’t have a local agent, simply complete this short form or you can also visit this page to select a carrier It is quick, free and can help protect your family.

Neighborhood insurance agents

Some people would rather talk to a local agent. Agents can help determine the best coverages and help submit paperwork. One of the best bonuses of comparing insurance prices online is you can get the best rates and still choose a local agent.

Once you complete this quick form, your insurance coverage information is sent to agents in your area who will return price quotes for your insurance coverage. There is no need to drive around as quotes are delivered to the email address you provide. Now that’s easy!

Deciding on an provider needs to be determined by more than just a cheap price. These questions are important to ask:

  • Which members of your family are coverage by the policy?
  • Do they have adequate Errors and Ommissions coverage? This protects you if they make a mistake.
  • Are they full-time agents?
  • Who are their largest clients?
  • Will your rates increase after a single accident?
  • If you have an accident, are you able to get your vehicle repaired at the shop of your choice?

If you prefer to contact a specific insurance agent in your state, click here.

Upon receiving positive feedback for all questions you ask in addition to an acceptable price estimate, chances are good that you have found an insurance company that is a good match to properly service your car insurance policy.

How can State Farm, GEICO and Progressive save drivers who switch?

Drivers get pounded daily by advertisements for cheaper car insurance from companies such as State Farm, GEICO and Progressive. They all seem to have a common claim that you’ll save big if you change your policy.

But how can every company say the same thing?

Insurance companies have a certain “appetite” for the right customer that earns them a profit. An example of a driver they prefer could possibly be a mature driver, insures multiple vehicles, and has a short commute. A propective insured who fits that profile will get very good rates and is almost guaranteed to cut their rates substantially.

Potential customers who are not a match for this ideal profile will have to pay a higher premium which leads to the driver buying from a lower-cost company. Company advertisements say “customers that switch” but not “drivers who get quotes” save that kind of money. This is how companies can claim big savings. Because of the profiling, it is so important to compare as many rates as you can. It’s just too difficult to predict the company that will give you the biggest savings.

Car insurance coverages explained

Having a good grasp of your car insurance policy can help you determine which coverages you need and the correct deductibles and limits. The terms used in a policy can be impossible to understand and nobody wants to actually read their policy. Listed below are typical coverage types offered by car insurance companies.

Liability insurance – Liability coverage will cover damages or injuries you inflict on other people or property that is your fault. It protects you against claims from other people. It does not cover damage sustained by your vehicle in an accident.

Coverage consists of three different limits, per person bodily injury, per accident bodily injury, and a property damage limit. Your policy might show policy limits of 50/100/50 that translate to $50,000 bodily injury coverage, a total of $100,000 of bodily injury coverage per accident, and a limit of $50,000 paid for damaged property.

Liability coverage pays for things such as legal defense fees, medical services and court costs. The amount of liability coverage you purchase is up to you, but you should buy as much as you can afford.

Collision coverages – This coverage pays to fix your vehicle from damage from colliding with a stationary object or other vehicle. A deductible applies then your collision coverage will kick in.

Collision coverage protects against things like colliding with another moving vehicle, sideswiping another vehicle, hitting a mailbox and sustaining damage from a pot hole. Collision is rather expensive coverage, so analyze the benefit of dropping coverage from older vehicles. Drivers also have the option to increase the deductible in order to get cheaper collision rates.

find Toyota Rav4 insurance

Medical expense insurance – Medical payments and Personal Injury Protection insurance kick in for short-term medical expenses such as funeral costs, dental work, X-ray expenses and prosthetic devices. They are used in conjunction with a health insurance plan or if you are not covered by health insurance. It covers you and your occupants in addition to any family member struck as a pedestrian. PIP coverage is not available in all states but it provides additional coverages not offered by medical payments coverage

Comprehensive (Other than Collision) – This coverage covers damage from a wide range of events other than collision. A deductible will apply and then insurance will cover the rest of the damage.

Comprehensive insurance covers claims like a tree branch falling on your vehicle, vandalism and damage from a tornado or hurricane. The maximum amount your car insurance company will pay is the actual cash value, so if the vehicle’s value is low consider dropping full coverage.

Protection from uninsured/underinsured drivers – This coverage provides protection when the “other guys” are uninsured or don’t have enough coverage. This coverage pays for injuries to you and your family and damage to your Toyota Rav4.

Because many people carry very low liability coverage limits, it doesn’t take a major accident to exceed their coverage limits. That’s why carrying high Uninsured/Underinsured Motorist coverage is a good idea.

In conclusion

Low-cost Toyota Rav4 insurance is attainable from both online companies and with local insurance agents, and you should be comparing both to have the best chance of lowering rates. Some car insurance companies do not offer you the ability to get quotes online and these smaller companies work with independent agents.

When shopping online for car insurance, never buy poor coverage just to save money. There are a lot of situations where someone dropped uninsured motorist or liability limits and learned later that a couple dollars of savings turned into a financial nightmare. Your goal should be to buy enough coverage at a price you can afford while still protecting your assets.