View 2009 Toyota RAV4 Car Insurance Quotes

Want lower insurance rates for your Toyota RAV4? Wish you could get out of overpriced insurance? It’s a common feeling and many consumers are feeling buyer’s remorse and feel like there’s no way out. Big-name insurance companies like State Farm, Farmers Insurance, Geico and Allstate constantly bombard you with TV and radio ads and it is difficult to ignore the flying pigs and cute green geckos and find the best price available.

How to get affordable insurance coverage

Most major insurance companies like State Farm, Allstate and Geico make it easy to get coverage price quotes on the web. Doing online price comparisons is fairly simple as all you need to do is type in your required coverages on the page. Once you submit the form, the company’s rating system orders information on your driving record and credit history and returns pricing information based on the data you entered. This makes it simple to compare prices but the process of having to visit a lot of sites and fill out multiple forms is repetitive and time-consuming. Unfortunately, it is important to get many rate quotes if you want to find better insurance coverage pricing.

An easier way to find lower prices uses one simple form to obtain quotes from several companies at one time. It’s a real time-saver, reduces the work, and makes comparison shopping much easier. As soon as you send your information, it is rated and you can select any one of the quotes that you receive. If you find a better price you can click and sign and purchase coverage. This process takes 15 minutes at the most and you’ll know if lower rates are available.

To quickly find out how much you can save on insurance coverage, simply click here to open in new window and begin entering your coverage information. If you currently have coverage, we recommend you type in the insurance coverages just like they are on your policy. This way, you will receive an apples-to-apples comparison based on identical coverages.

Tailor your car insurance coverage to you

When choosing adequate coverage, there really is no perfect coverage plan. Each situation is unique and a cookie cutter policy won’t apply. For instance, these questions may help you determine if you might need professional guidance.

  • Are rock chip repairs covered?
  • Do I need medical payments coverage since I have good health insurance?
  • How high should my uninsured/underinsured coverage be in my state?
  • Do I need motorclub coverage?
  • Does my personal policy cover me when driving out-of-state?
  • Am I covered if I hit a deer?

If it’s difficult to answer those questions, you might consider talking to an insurance agent. To find lower rates from a local agent, complete this form or go to this page to view a list of companies. It only takes a few minutes and may give you better protection.

Insurance policy specifics

Knowing the specifics of a insurance policy can help you determine appropriate coverage for your vehicles. The coverage terms in a policy can be impossible to understand and nobody wants to actually read their policy. Below you’ll find typical coverage types found on the average insurance policy.

Collision coverage – Collision coverage pays to fix your vehicle from damage resulting from colliding with another vehicle or an object, but not an animal. You have to pay a deductible and then insurance will cover the remainder.

Collision insurance covers claims such as hitting a mailbox, driving through your garage door, damaging your car on a curb and sideswiping another vehicle. Paying for collision coverage can be pricey, so consider removing coverage from vehicles that are 8 years or older. Drivers also have the option to increase the deductible to save money on collision insurance.

Uninsured Motorist or Underinsured Motorist insurance – Your UM/UIM coverage protects you and your vehicle’s occupants when the “other guys” do not carry enough liability coverage. This coverage pays for injuries sustained by your vehicle’s occupants and also any damage incurred to your Toyota RAV4.

Since a lot of drivers have only the minimum liability required by law, their liability coverage can quickly be exhausted. That’s why carrying high Uninsured/Underinsured Motorist coverage is important protection for you and your family.

Insurance for medical payments – Personal Injury Protection (PIP) and medical payments coverage reimburse you for short-term medical expenses for X-ray expenses, EMT expenses, pain medications, funeral costs and rehabilitation expenses. They can be used to fill the gap from your health insurance policy or if you do not have health coverage. Medical payments and PIP cover both the driver and occupants and will also cover getting struck while a pedestrian. Personal Injury Protection is not available in all states and gives slightly broader coverage than med pay

Liability coverage – This coverage provides protection from damages or injuries you inflict on people or other property by causing an accident. This insurance protects YOU from legal claims by others. It does not cover your own vehicle damage or injuries.

Split limit liability has three limits of coverage: bodily injury per person, bodily injury per accident and property damage. You might see limits of 25/50/25 that means you have $25,000 in coverage for each person’s injuries, a per accident bodily injury limit of $50,000, and a limit of $25,000 paid for damaged property.

Liability can pay for claims such as emergency aid, loss of income, repair bills for other people’s vehicles, structural damage and medical expenses. How much liability coverage do you need? That is your choice, but consider buying as much as you can afford.

Comprehensive coverage (or Other than Collision) – Comprehensive insurance pays for damage OTHER than collision with another vehicle or object. You first have to pay a deductible and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive coverage pays for things such as fire damage, a tree branch falling on your vehicle and a broken windshield. The maximum payout you’ll receive from a claim is the cash value of the vehicle, so if it’s not worth much more than your deductible consider dropping full coverage.