Compare 2005 Toyota RAV4 Car Insurance Quotes

Comparing and finding cheaper coverage rates for insurance can be frustrating for drivers who are new to comparison shopping online. You have so many companies to choose from that it can turn into a real hassle to find more affordable coverage rates.

You should make it a habit to compare rates occasionally because insurance prices change quite often. Just because you found the lowest rates for RAV4 insurance last year there may be better deals available now. You’ll find quite a bit of inaccurate information about insurance out there, but we’re going to give you some excellent ideas to save money.

If you currently have car insurance, you will most likely be able to lower your premiums substantially using this information. This article will let you in on how to effectively get price quotes. But vehicle owners do need to know the way insurance companies market on the web and take advantage of how the system works.

How to buy auto insurance

To find cheaper prices, there are a couple of ways of comparing price quotes from many auto insurance companies in your state. The quickest method to find cheaper Toyota RAV4 rates involves getting comparison quotes online. This is quite simple and can be completed in a couple minutes as outlined below.

  • The first (and easiest) way to find the lowest comparison rates would be an industry-wide quote request form click here to open form in new window. This method saves time by eliminating repetitive form submissions to each individual auto insurance company. One form submission gets rate comparisons from several companies. This is by far the quickest method.
  • A different way to compare rate quotes is to manually visit the website for each individual company and request a quote. For sake of this example, we’ll assume you need rates from Progressive, Farmers and State Farm. To get each rate you have to go to each individual site and enter your information, which is why first method is reommended. For a list of links to insurance companies in your area, click here.

Whichever way you use, be sure you’re using exactly the same deductibles and coverage limits with every price quote. If you are comparing unequal deductibles or liability limits you can’t possibly determine the best price for your Toyota RAV4. Quoting even small variations in insurance coverages or limits may cause a big price difference. And when comparing auto insurance rates, know that comparing a large number of companies will enable you to find more affordable rates. Some companies don’t provide quotes online, so it’s important to compare quotes from them, too.

Insurance policy discounts

Some providers do not advertise all disounts in a way that’s easy to find, so the list below gives a summary of some of the best known as well as the least known discounts that may be available.

  • Save over 55 – Drivers over the age of 55 are able to get a small discount on rates for RAV4 insurance.
  • Employee of Federal Government – Employees or retirees of the government may qualify for a discount when you quote car insurance for RAV4 insurance with certain companies.
  • Safety Restraint Discount – Drivers who always wear seat belts and also require passengers to wear their seat belts could save 15% off the PIP or medical payment premium.
  • Accident Waiver – Not necessarily a discount, but a few companies such as Geico, Progressive, and Allstate will allow you to have one accident before hitting you with a surcharge if you are claim-free for a set time period.
  • Discount for Multiple Policies – If you combine your auto and home policies with the same insurance company you may save up to 20% off your total premium.
  • No Claim Discounts – Good drivers with no accidents get the best insurance rates when compared to insureds who have frequent claims or accidents.

Just know that some of the credits will not apply to the overall cost of the policy. Most only apply to specific coverage prices like collision or personal injury protection. So when the math indicates having all the discounts means you get insurance for free, companies don’t profit that way.

To locate companies offering insurance discounts, click here.

How do I know if I need professional advice?

When buying proper insurance coverage, there really is no “perfect” insurance plan. Every situation is different.

Here are some questions about coverages that may help you determine if you would benefit from an agent’s advice.

  • Where can I get insurance after a DUI in my state?
  • Do I need to file an SR-22 for a DUI in my state?
  • Who is covered when they drive my 2005 Toyota RAV4?
  • Should I bundle my homeowners policy with my auto?
  • When does my teenage driver need to be added to my policy?
  • How can I get my company to pay me more for my totalled car?
  • How high should deductibles be on a 2005 Toyota RAV4?

If you don’t know the answers to these questions then you might want to talk to a licensed insurance agent. If you don’t have a local agent, fill out this quick form.

Coverages available on your car insurance policy

Understanding the coverages of car insurance can be of help when determining the right coverages at the best deductibles and correct limits. Policy terminology can be difficult to understand and even agents have difficulty translating policy wording.

Collision protection

Collision insurance pays for damage to your RAV4 resulting from colliding with a stationary object or other vehicle. You have to pay a deductible and the rest of the damage will be paid by collision coverage.

Collision coverage protects against claims such as damaging your car on a curb, hitting a parking meter and sustaining damage from a pot hole. Paying for collision coverage can be pricey, so consider dropping it from older vehicles. It’s also possible to increase the deductible to bring the cost down.

Liability

Liability coverage protects you from damages or injuries you inflict on a person or their property in an accident. This insurance protects YOU from claims by other people, and doesn’t cover your own vehicle damage or injuries.

Split limit liability has three limits of coverage: bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You commonly see liability limits of 100/300/100 that means you have a $100,000 limit per person for injuries, a per accident bodily injury limit of $300,000, and $100,000 of coverage for damaged propery. Another option is one limit called combined single limit (CSL) which combines the three limits into one amount without having the split limit caps.

Liability insurance covers claims like court costs, loss of income, attorney fees and structural damage. How much liability should you purchase? That is your choice, but consider buying as large an amount as possible.

Protection from uninsured/underinsured drivers

This coverage gives you protection when other motorists either are underinsured or have no liability coverage at all. This coverage pays for injuries sustained by your vehicle’s occupants and also any damage incurred to your Toyota RAV4.

Because many people only purchase the least amount of liability that is required, their limits can quickly be used up. This is the reason having UM/UIM coverage is very important. Usually these limits are set the same as your liablity limits.

Medical expense insurance

Med pay and PIP coverage kick in for immediate expenses for pain medications, EMT expenses, funeral costs, dental work and rehabilitation expenses. They are often used in conjunction with a health insurance policy or if you do not have health coverage. Coverage applies to both the driver and occupants and will also cover being hit by a car walking across the street. Personal injury protection coverage is not an option in every state and gives slightly broader coverage than med pay

Comprehensive (Other than Collision)

Comprehensive insurance pays for damage OTHER than collision with another vehicle or object. You first must pay your deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive can pay for claims such as a broken windshield, vandalism, rock chips in glass and hail damage. The most you can receive from a comprehensive claim is the actual cash value, so if the vehicle is not worth much it’s not worth carrying full coverage.