Cheap 1999 Toyota RAV4 Insurance Rates

Want better insurance coverage rates for your Toyota RAV4? High-priced Toyota RAV4 insurance can draw down your savings account and force you to make tough financial choices. Comparing cost estimates is recommended to tighten up your finances.

Because you have many choices of insurance companies, it can be hard to find the most cost effective insurance company.

It is always a good idea to price shop coverage yearly because insurance prices are constantly changing. Just because you found the best deal on RAV4 insurance a year ago there is a good chance you can find better rates now. Ignore everything you know about insurance coverage because you’re about to learn the fastest way to find better coverage at a better price.

Get lower rates by taking advantage of discounts

Car insurance is neither fun to buy or cheap, but you may find discounts to cut the cost considerably. Certain reductions will be credited when you complete an application, but once in a while a discount must be asked for prior to getting the savings. If they aren’t giving you every credit you qualify for, you’re paying more than you need to.

  • Discounts for Seat Belt Usage – Using a seat belt and requiring all passengers to wear their seat belts can save up to 15% off the personal injury premium cost.
  • Theft Deterent Discount – Cars, trucks, and SUVs equipped with anti-theft or alarm systems have a lower chance of being stolen and earn discounts up to 10% off your car insurance quote.
  • Switch and Save Discount – A few car insurance companies offer discounts for signing up before your current coverage expires. It’s a savings of about 10%.
  • Distant Student – who are enrolled in higher education away from home and do not have access to a covered vehicle can receive lower rates.
  • Homeowners Discount – Owning a house can get you a discount because maintaining a house is proof of financial responsibility.
  • Good Grades Discount – Being a good student may save you up to 25%. The good student discount can last well after school through age 25.
  • Safe Driver Discounts – Insureds who avoid accidents can save up to 40% or more on their car insurance quote on RAV4 insurance compared to rates paid by drivers with frequent claims.
  • Anti-lock Brake System – Cars with ABS braking systems or traction control are much safer to drive so companies give up to a 10% discount.

Policy discounts save money, but most discount credits are not given to the entire cost. Some only reduce specific coverage prices like comp or med pay. So even though it sounds like you would end up receiving a 100% discount, it doesn’t quite work that way.

A few companies that may offer these discounts include:

It’s a good idea to ask each company or agent the best way to save money. Depending on the company, some discounts might not be offered on policies everywhere.

The method we recommend to compare car insurance company rates takes advantage of the fact most larger insurance companies actually pay money for the chance to provide you with a free rate quote. To begin a comparison, all you need to do is give them rating details including deductibles desired, how much education you have, whether the vehicles are used for commuting, and distance driven. Those rating factors is instantly submitted to multiple companies and they provide comparison quotes immediately.

Get cheap insurance costs by understanding these factors

Many things are part of the calculation when you quote your car insurance policy. Some of the criteria are obvious like your driving record, although others are more transparent such as your credit history or your financial responsibility.When buying car insurance it’s important to understand some of the things that help calculate the level of your policy premiums. When you know what positively or negatively influences your rates, this helps enable you to make changes that will entitle you to much lower annual insurance costs.

  • Safeguard your assets with liability protection – A critical coverage on your policy, liability insurance will protect you when you are determined to be liable for damages from an accident. Your policy’s liability insurance provides for a legal defense which can cost thousands of dollars. Liability is cheap when compared to the cost of physical damage coverage, so buy as much as you can afford.
  • Small coverages can add up – There are many extra bells and whistles that can waste your money if you don’t pay attention. Coverages like personal injury protection, towing coverage, and motor club memberships are probably not needed. These coverages may sound good when discussing your needs, but your money might be better spent on other coverage so eliminate them to save money.
  • Tickets inflate costs – Having a clean driving record impacts premiums far more than you think. Careful drivers get better rates than their less careful counterparts. Having a single moving violation could increase your next policy renewal substantially. Drivers who have received multiple tickets like hit and run, DWI or reckless driving convictions may be required to complete a SR-22 with their state DMV in order to keep their license.
  • An active claims history can increase rates – If you tend to file frequent claims, you can definitely plan on either a policy non-renewal or much higher rates. Companies generally give cheaper rates to people who do not rely on their insurance for small claims. Your car insurance is designed for major claims that would cause financial hardship.
  • High comp and collision deductibles reduce premiums – Comp and collision deductibles tell how much you are required to spend if a covered claim is submitted. Coverage for physical damage, commonly called comprehensive (or other-than-collision) and collision coverage, is used to repair damage to your car. Examples of some claims that would be covered would be rearending another vehicle, hail damage, and having a roll-over accident. The more of the claim you choose to pay out-of-pocket, the bigger discount you will receive on RAV4 insurance.
  • Long commutes cost more – Driving more miles each year the higher your rates will be. The majority of insurers charge rates partially by how you use the vehicle. Cars and trucks that are left in the garage get more affordable rates than those used for commuting. Incorrect rating for your RAV4 may be wasting your money. Double check that your declarations sheet correctly shows the proper vehicle usage.
  • Your car’s features help determine car insurance rates – Purchasing a vehicle that has an advanced theft prevention system can help lower your rates. Anti-theft features such as OnStar found on GM vehicles, advanced tracking like LoJack, and vehicle immobilization systems all help stop auto theft.

How much insurance coverage do I need?

When buying the best insurance coverage coverage, there isn’t really a “best” method to buy coverage. Everyone’s situation is unique and a cookie cutter policy won’t apply. For instance, these questions might point out if you could use an agent’s help.

  • Is my 1999 Toyota RAV4 covered for smoke damage?
  • Am I covered if I hit my neighbor’s mailbox?
  • Is motorclub coverage worth it?
  • Do I need to file an SR-22 for a DUI in my state?
  • Should I carry comprehensive and collision coverage?
  • Am I better off with higher deductibles on my 1999 Toyota RAV4?
  • Can my teen driver be rated on a liability-only vehicle?
  • What if I total my 1999 Toyota RAV4 and owe more than it’s worth?
  • Can I afford to buy a different vehicle if my 1999 Toyota RAV4 is totaled?
  • What is the minimum liability in my state?

If you can’t answer these questions but you know they apply to you, then you may want to think about talking to a licensed insurance agent. If you want to speak to an agent in your area, fill out this quick form or you can go here for a list of companies in your area. It only takes a few minutes and can help protect your family.

Misconceptions in auto insurance advertisements

Consumers can’t avoid all the ads that promise big savings for switching by Progressive, Geico, Allstate and State Farm. All the ads make the same claim that drivers will save a bundle if you move your auto insurance policy to them.

How can each company charge less that you’re paying now? You have to listen carefully.

Different companies quote their best rates for the type of driver that will generate a profit. An example of this type of insured could possibly be a mature driver, has a clear driving record, and drives less than 5,000 miles a year. Any person that fits those parameters will get a cheap rate quote and most likely will save a lot if they switch.

People who are not a match for the ideal profile may be required to pay a higher rate and the customer buying from someone else. If you listen to the ad wording, they say “people who switch” not “all people who quote” will save that much if they switch. That is how companies can make claims like that. Because of these techniques, you should get car insurance quotes as often as possible. It’s not possible to predict which insurance companies will have the best car insurance rates at this point in time.

Car insurance coverages 101

Knowing the specifics of a car insurance policy helps when choosing the right coverages at the best deductibles and correct limits. The terms used in a policy can be difficult to understand and coverage can change by endorsement. Listed below are the usual coverages found on most car insurance policies.

Comprehensive coverages

This pays for damage OTHER than collision with another vehicle or object. You first must pay your deductible then your comprehensive coverage will pay.

Comprehensive coverage protects against claims such as hitting a deer, theft, hitting a bird and fire damage. The maximum payout you’ll receive from a claim is the actual cash value, so if your deductible is as high as the vehicle’s value it’s not worth carrying full coverage.

Collision coverage protection

Collision coverage will pay to fix damage to your RAV4 caused by collision with another car or object. You first must pay a deductible then the remaining damage will be paid by your insurance company.

Collision coverage pays for claims like colliding with another moving vehicle, sideswiping another vehicle, scraping a guard rail and backing into a parked car. Paying for collision coverage can be pricey, so consider removing coverage from vehicles that are 8 years or older. Another option is to bump up the deductible in order to get cheaper collision rates.

Coverage for medical payments

Personal Injury Protection (PIP) and medical payments coverage provide coverage for bills like chiropractic care, pain medications, doctor visits and ambulance fees. They are often utilized in addition to your health insurance policy or if you lack health insurance entirely. Medical payments and PIP cover all vehicle occupants in addition to being hit by a car walking across the street. Personal injury protection coverage is not universally available and gives slightly broader coverage than med pay

Coverage for liability

Liability insurance protects you from injuries or damage you cause to people or other property. This coverage protects you against other people’s claims. Liability doesn’t 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. You commonly see liability limits of 25/50/25 that translate to $25,000 bodily injury coverage, a per accident bodily injury limit of $50,000, and property damage coverage for $25,000.

Liability insurance covers claims like pain and suffering, legal defense fees, emergency aid and medical services. The amount of liability coverage you purchase is a decision to put some thought into, but it’s cheap coverage so purchase as high a limit as you can afford.

Uninsured and underinsured coverage

Your UM/UIM coverage protects you and your vehicle’s occupants when other motorists are uninsured or don’t have enough coverage. It can pay for injuries sustained by your vehicle’s occupants and damage to your Toyota RAV4.

Due to the fact that many drivers have only the minimum liability required by law, it only takes a small accident to exceed their coverage. So UM/UIM coverage is important protection for you and your family.

Quote often and quote early

Throughout this article, we presented a lot of techniques to lower your 1999 Toyota RAV4 insurance car insurance rates. It’s most important to understand that the more price quotes you have, the higher your chance of finding cheap car insurance. You may even find the biggest savings come from some of the smallest insurance companies. These smaller insurers may only write in your state and offer lower premium rates than their larger competitors like State Farm or Progressive.

Some companies may not offer rate quotes online and usually these regional insurance providers only sell through independent insurance agents. Affordable 1999 Toyota RAV4 insurance can be found on the web in addition to many insurance agents, so you should be comparing quotes from both to have the best chance of lowering rates.

Much more information about insurance is available below: