Cheap 2012 Toyota RAV4 Insurance Rates

Locating low-cost insurance for a Toyota RAV4 can turn out to be a painful process, but you can learn a few tricks and make it easy. There are more efficient ways to buy car insurance so you’re going to learn the quickest way to compare rates for a new or used Toyota and get the lowest price from both online companies and local agents.

You should make it a habit to get comparison quotes every six months due to the fact that insurance prices fluctuate regularly. Just because you had the best price for RAV4 insurance at your last renewal the chances are good that you can find a lower rate quote today. Ignore everything you know about car insurance because you’re about to learn the fastest and easiest way to lower your rates without sacrificing coverage.

Quote insurance coverage online

Effectively comparing insurance coverage prices can take hours if you aren’t aware of the best way to get rate quotes. You can waste a few hours (or days) discussing policy coverages with insurance agencies in your area, or you could save time and use online quoting to get prices fast.

Many popular insurance companies participate in a marketplace where insurance shoppers enter their coverage request one time, and at least one company provides a quote determined by their information. This system prevents you from having to do quotation requests for every insurance coverage company.

To enter your information into the quoting system, click here to start a free quote.

The single downside to comparing rates this way is buyers cannot specifically choose the insurers to get pricing from. So if you prefer to choose specific providers to compare, we have assembled a list of companies who write insurance coverage in your area. Click here for list of insurance companies.

The approach you take is up to you, just make sure you compare nearly identical coverages and limits on every price quote you get. If you enter differing limits then you won’t be able to determine the lowest rate for your Toyota RAV4.

Lower rate quotes by taking advantage of discounts

Some insurers don’t always publicize all disounts in a way that’s easy to find, so the next list breaks down both the well known as well as the least known credits that may apply to you.

  • Accident Waiver – This one is not really a discount per se, but some insurance companies will turn a blind eye to one accident without the usual rate increase so long as you are claim-free for a specific time period.
  • Driver Education Discount – Reduce the cost of insurance for teen drivers by having them sucessfully take a drivers education course as it can save substantially.
  • No Claim Discounts – Drivers who don’t have accidents can earn big discounts when compared with accident-prone drivers.
  • New Vehicle Savings – Buying a new car model can save up to 30% since newer vehicles are generally safer.
  • Switch and Save Discount – Some companies give discounts for buying a policy prior to your current policy expiring. It’s a savings of about 10%.

As is typical with insurance, some of the credits will not apply to the overall cost of the policy. Most only apply to specific coverage prices like liability, collision or medical payments. Even though the math looks like it’s possible to get free car insurance, you’re out of luck.

If you would like to see a list of providers offering insurance discounts, follow this link.

How much auto insurance do I need?

When buying proper insurance coverage for your vehicles, there is no “perfect” insurance plan. Every insured’s situation is different.

These are some specific questions could help you determine whether you will benefit from professional help.

  • If I drive on a suspended license am I covered?
  • How much liability coverage do I need in my state?
  • Should I buy full coverage?
  • When can my company non-renew my policy?
  • What if I total my 2012 Toyota RAV4 and owe more than it’s worth?
  • Is my teen driver covered when they drive my company car?

If you’re not sure about those questions but a few of them apply, then you may want to think about talking to a licensed insurance agent. If you don’t have a local agent, complete this form. It is quick, free and can help protect your family.

Educate yourself about insurance coverages

Having a good grasp of your insurance policy can be of help when determining the best coverages and the correct deductibles and limits. Insurance terms can be impossible to understand and even agents have difficulty translating policy wording.

Collision coverage protection

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

Collision coverage pays for claims like sustaining damage from a pot hole, colliding with another moving vehicle, crashing into a building and crashing into a ditch. Collision coverage makes up a good portion of your premium, so analyze the benefit of dropping coverage from lower value vehicles. It’s also possible to choose a higher deductible to get cheaper collision coverage.

Comprehensive coverages

This coverage pays for damage that is not covered by collision coverage. You first have to pay a deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive insurance covers claims like hitting a deer, hail damage, damage from getting keyed and damage from flooding. The maximum payout you’ll receive from a claim is the ACV or actual cash value, so if your deductible is as high as the vehicle’s value it’s probably time to drop comprehensive insurance.

Uninsured and underinsured coverage

Uninsured or Underinsured Motorist coverage provides protection when other motorists either are underinsured or have no liability coverage at all. Covered losses include hospital bills for your injuries and also any damage incurred to your 2012 Toyota RAV4.

Since many drivers only carry the minimum required liability limits, their liability coverage can quickly be exhausted. For this reason, having high UM/UIM coverages is important protection for you and your family.

Liability auto insurance

Liability coverage will cover damage that occurs to other’s property or people that is your fault. It protects YOU against claims from other people, and doesn’t cover damage sustained by your vehicle in an accident.

Liability coverage has three limits: per person bodily injury, per accident bodily injury, and a property damage limit. You might see policy 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 a limit of $100,000 paid for damaged property.

Liability coverage protects against claims like funeral expenses, medical services, bail bonds, court costs and loss of income. The amount of liability coverage you purchase is up to you, but it’s cheap coverage so purchase as large an amount as possible.

Coverage for medical payments

Coverage for medical payments and/or PIP kick in for short-term medical expenses for surgery, hospital visits and ambulance fees. They can be used to cover expenses not covered by your health insurance plan or if you are not covered by health insurance. Medical payments and PIP cover you and your occupants and also covers any family member struck as a pedestrian. Personal Injury Protection is not an option in every state and gives slightly broader coverage than med pay