1996 Toyota RAV4 Insurance Cost – 10 Tips for Best Prices

Searching for cheaper car insurance rates for your Toyota RAV4? Locating cheaper insurance for a Toyota RAV4 can normally be a lot of work, but you can learn these tips to save time.

There are both good and bad ways to shop for car insurance so you’re going to learn the best way to quote coverages for a Toyota and get the lowest possible price either online or from local insurance agents.

Auto insurance quotes and discounts

Some insurance providers do not advertise all possible discounts in an easy-to-find place, so the below list has a few of the more common and also the more inconspicuous credits available to lower your premiums when you buy auto insurance online.

  • Membership in Organizations – Being in certain professional organizations is a good way to get lower rates on your next auto insurance statement.
  • Accident-Free Discounts – Good drivers with no accidents can earn big discounts when compared with drivers who are more careless.
  • Homeowners Savings – Just owning your own home can help you save on auto insurance because it requires a higher level of personal finance.
  • Distant College Student Discount – who are enrolled in a college that is more than 100 miles from home and do not have a car could get you a discount.
  • Auto/Home Discount – If you insure your home and vehicles with one company you may earn at least 10% off all policies.
  • Data Collection Discounts – Insureds that choose to allow their company to spy on when and where they use their vehicle by using a telematic data system such as Snapshot from Progressive or Drivewise from Allstate could possibly reduce rates as long as they are good drivers.
  • Safe Drivers – Insureds without accidents can pay as much as 50% less for RAV4 insurance than drivers with accidents.
  • Low Mileage – Maintaining low annual mileage can earn lower prices on the low mileage vehicles.
  • Safety Course Discount – Successfully completing a course teaching safe driver skills may get you a small discount if your company offers it.
  • Theft Prevention System – Cars and trucks optioned with advanced anti-theft systems can help prevent theft and will qualify for a discount on a auto insurance quote.

A quick disclaimer, most discount credits are not given to the entire policy premium. The majority will only reduce individual premiums such as comprehensive or collision. Just because you may think all the discounts add up to a free policy, companies wouldn’t make money that way.

To find auto insurance companies that offer discounts, click here.

Situations that may require an agent’s advice

When it comes to buying coverage for your personal vehicles, there is no best way to insure your cars. Your needs are not the same as everyone else’s.

For example, these questions might point out whether you would benefit from an agent’s advice.

  • Do I need motorclub coverage?
  • When would I need additional glass coverage?
  • Is my teenager covered with friends in the car?
  • Does having multiple vehicles earn me a discount?
  • What is covered by UM/UIM coverage?
  • What is no-fault insurance?
  • Is upholstery damage covered by car insurance?
  • Do I need PIP (personal injury protection) coverage in my state?

If you can’t answer these questions but you think they might apply to your situation, you may need to chat with an agent. If you want to speak to an agent in your area, fill out this quick form. It is quick, free and can provide invaluable advice.

Can switching companies really save?

Consumers can’t get away from ads that claim the best car insurance rates by Allstate and Progressive. They all advertise claims about saving some big amount if you change to them.

It sounds good, but how can they all charge you less for car insurance? Just pay attention to how they say it.

Most companies require specific criteria for the type of driver that will most likely be profitable. For instance, a profitable insured might be between the ages of 30 and 45, insures multiple vehicles, and has a short commute. Any person who fits those characteristics will get a cheap rate quote and will most likely cut their rates substantially.

Potential customers who cannot meet those standards will be quoted higher prices which results in the customer not buying. If you listen to the ad wording, they say “people that switch” but not “everyone who gets a quote” will save that much if they switch. This is how insurance companies can make claims like that.

This emphasizes why you really need to compare quotes as often as possible. It’s just not possible to know with any certainty which company will provide you with the cheapest car insurance rates.

Parts of your insurance policy

Having a good grasp of your policy can be of help when determining which coverages you need at the best deductibles and correct limits. The coverage terms in a policy can be difficult to understand and coverage can change by endorsement.

Medical expense coverage

Med pay and PIP coverage kick in for immediate expenses for rehabilitation expenses, pain medications, EMT expenses and hospital visits. They are often used to cover expenses not covered by your health insurance policy or if there is no health insurance coverage. Medical payments and PIP cover both the driver and occupants as well as getting struck while a pedestrian. PIP coverage is not an option in every state and gives slightly broader coverage than med pay

Liability auto insurance

Liability coverage can cover damage that occurs to people or other property. Split limit liability has three limits of coverage: bodily injury per person, bodily injury per accident and property damage. As an example, you may have liability limits of 25/50/25 which means $25,000 bodily injury coverage, a per accident bodily injury limit of $50,000, and property damage coverage for $25,000. Alternatively, you may have a combined single limit or CSL that pays claims from the same limit and claims can be made without the split limit restrictions.

Liability coverage pays for things such as attorney fees, bail bonds and funeral expenses. How much coverage you buy is a personal decision, but you should buy as large an amount as possible.

Collision coverage

This pays for damage to your RAV4 from colliding with an object or car. You have to pay a deductible and then insurance will cover the remainder.

Collision insurance covers things like backing into a parked car, hitting a mailbox, rolling your car, sideswiping another vehicle and scraping a guard rail. Collision coverage makes up a good portion of your premium, so analyze the benefit of dropping coverage from vehicles that are older. It’s also possible to choose a higher deductible to save money on collision insurance.

Uninsured or underinsured coverage

Your UM/UIM coverage provides protection when other motorists either have no liability insurance or not enough. This coverage pays for injuries to you and your family and damage to your Toyota RAV4.

Due to the fact that many drivers only carry the minimum required liability limits, it only takes a small accident to exceed their coverage. For this reason, having high UM/UIM coverages is a good idea. Normally these limits do not exceed the liability coverage limits.

Comprehensive protection

This coverage covers damage caused by mother nature, theft, vandalism and other events. A deductible will apply and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive insurance covers things such as a tree branch falling on your vehicle, theft and damage from flooding. The highest amount you’ll receive from a claim is the ACV or actual cash value, so if it’s not worth much more than your deductible it’s probably time to drop comprehensive insurance.

And the best car insurance company is…

Insureds switch companies for a variety of reasons including delays in responding to claim requests, high rates after DUI convictions, delays in paying claims and even not issuing a premium refund. Regardless of your reason for switching companies, switching companies is easier than you think.

In this article, we presented a lot of techniques to shop for 1996 Toyota RAV4 insurance online. It’s most important to understand that the more companies you get premium rates for, the better your comparison will be. You may be surprised to find that the lowest car insurance rates are with some of the lesser-known companies.

Lower-priced 1996 Toyota RAV4 insurance can be purchased from both online companies and from local insurance agents, so you need to quote auto insurance with both in order to have the best price selection to choose from. A few companies may not have price quotes online and these smaller providers prefer to sell through independent agents.

More detailed insurance coverage information is located by following these links: