2004 Toyota RAV4 Car Insurance Rates

Buyers have options when searching for affordable Toyota RAV4 insurance. They can either waste time driving around getting price quotes or leverage the internet to compare rates.

There is a better way to shop for auto insurance so we’re going to tell you the absolute fastest way to price shop coverage on a Toyota and get the best price possible from local insurance agents and online providers.

This article will help educate you on how to effectively get price quotes and some money-saving tips. If you currently have car insurance, you will most likely be able to lower your premiums substantially using these techniques. Vehicle owners just need to learn the proper methods to compare rates online.

How to get cheap car insurance

Lowering your 2004 Toyota RAV4 car insurance rates is an easy way to save money. The only thing you need to do is spend a few minutes comparing free car insurance quotes to find the company with affordable car insurance quotes. You can get a good selection of rate quotes in just a few minutes using one of these methods.

One of the best ways consumers can analyze rates is a comparison rater form (click to open form in new window). This easy form saves time by eliminating separate quotes for each company. A single form gets you price quotes from car insurance companies with the best prices. It’s the fastest way to compare.

A different way to analyze rates requires a trip to the website for every company you want to comare to complete a price quote. For example, we’ll assume you are doing a rate comparison from Geico, Farmers and Allstate. To get each rate you have to spend time going to each site individually to enter the same coverage data repeatedly, which can get rather old. For a list of companies in your area, click here.

You can choose any of those ways to find more affodable coverage, but be certain you are entering the same coverages for each comparison quote. If you enter mixed coverages you can’t possibly truly determine the lowest rate.

Insurance discounts help slash rates

The cost of insuring your cars can be expensive, but there could be significant discounts that may help make it more affordable. Certain reductions will be credited when you quote, but a few must be specially asked for before being credited.

Student Driver Training – Make teen driver coverage more affordable by requiring them to enroll and complete driver’s education in school.
Seat Belts Save – Buckling up and requiring all passengers to buckle up before driving may be able to save a few bucks on the medical payments or PIP coverage costs.
ABS Brakes – Cars with anti-lock braking systems can avoid accidents and therefore earn up to a 10% discount.
Claim-Free Discount – Good drivers with no accidents pay much less when compared to frequent claim filers.
Discounts for Safe Drivers – Insureds without accidents can save as much as half off their rates for RAV4 insurance compared to accident prone drivers.
Air Bag Discount – Options like air bags can get savings of 25 to 30%.
Online Discount – Some insurance companies may give you up to $50 get car insurance on their website.
Student in College – Older children who are enrolled in a college that is more than 100 miles from home and do not take a car to college can receive lower rates.

Drivers should understand that many deductions do not apply to your bottom line cost. Most only reduce the price of certain insurance coverages like comprehensive or collision. Even though it may seem like you would end up receiving a 100% discount, companies don’t profit that way. Any qualifying discounts will bring down your policy premiums.

A few companies that may offer policyholders most of the discounts above possibly include:

If you want low cost car insurance quotes, ask all the companies which discounts can lower your rates. Depending on the company, some discounts may not apply in every state.

Which is the best insurance?

When choosing coverage for your vehicles, there really is not a one size fits all plan. Your needs are not the same as everyone else’s.

These are some specific questions may help you determine if your insurance needs could use an agent’s help.

How much liability insurance is required?
Should I buy full coverage?
Which is better, split liability limits or combined limits?
Should I drop comprehensive coverage on older vehicles?
Is business equipment covered while in my vehicle?
I have good health insurance, so how much medical payments coverage do I need?
Should I waive the damage coverage when renting a car?
When should I buy a commercial auto policy?
Is my babysitter covered when using my vehicle?
Can I get a multi-policy discount?

If you can’t answer these questions then you might want to talk to a licensed agent. If you don’t have a local agent, fill out this quick form. It’s fast, doesn’t cost anything and can provide invaluable advice.

Auto insurance coverage breakdown

Learning about specific coverages of your auto insurance policy aids in choosing the right coverages and the correct deductibles and limits. The terms used in a policy can be difficult to understand and reading a policy is terribly boring.

Medical payments coverage and PIP

Medical payments and Personal Injury Protection insurance reimburse you for short-term medical expenses for X-ray expenses, surgery, funeral costs and hospital visits. They are often used in conjunction with a health insurance plan or if there is no health insurance coverage. They cover not only the driver but also the vehicle occupants and will also cover being hit by a car walking across the street. PIP coverage is not an option in every state but can be used in place of medical payments coverage

Coverage for collisions

This will pay to fix damage to your RAV4 caused by collision with an object or car. You first must pay a deductible and the rest of the damage will be paid by collision coverage.

Collision coverage pays for claims like scraping a guard rail, hitting a parking meter and colliding with another moving vehicle. Collision is rather expensive coverage, so consider dropping it from older vehicles. It’s also possible to choose a higher deductible to get cheaper collision coverage.

Comprehensive coverage

This coverage pays for damage caused by mother nature, theft, vandalism and other events. You need to pay your deductible first then your comprehensive coverage will pay.

Comprehensive can pay for things such as hitting a deer, a broken windshield, fire damage, hail damage and a tree branch falling on your vehicle. The maximum payout your auto insurance company will pay is the market value of your vehicle, so if the vehicle is not worth much it’s not worth carrying full coverage.

Liability coverage

This protects you from damages or injuries you inflict on other’s property or people in an accident. It protects YOU from claims by other people, and does not provide coverage for your injuries or vehicle damage.

Liability coverage has three limits: per person bodily injury, per accident bodily injury, and a property damage limit. You commonly see limits of 25/50/25 that translate to $25,000 in coverage for each person’s injuries, a limit of $50,000 in injury protection per accident, and property damage coverage for $25,000. Another option is a combined single limit or CSL that pays claims from the same limit and claims can be made without the split limit restrictions.

Liability insurance covers things like structural damage, pain and suffering and legal defense fees. How much coverage you buy is a personal decision, but it’s cheap coverage so purchase higher limits if possible.

Uninsured/Underinsured Motorist coverage

Your UM/UIM coverage protects you and your vehicle’s occupants from other drivers when they do not carry enough liability coverage. This coverage pays for medical payments for you and your occupants and damage to your 2004 Toyota RAV4.

Due to the fact that many drivers carry very low liability coverage limits, their limits can quickly be used up. For this reason, having high UM/UIM coverages is important protection for you and your family. Frequently these coverages do not exceed the liability coverage limits.