Compare 2013 Toyota RAV4 Insurance Cost

Searching for cheaper car insurance rates for your Toyota RAV4? I can’t think of a single person who looks forward to paying for car insurance, in particular when they are paying too much.

Multiple insurers compete to insure your vehicles, so it can be very hard to choose a company to get the lowest price

It is always a good idea to get comparison quotes yearly because rates change frequently. Just because you had the lowest premium rates on RAV4 coverage last year there may be better deals available now. Block out anything you think you know about car insurance because we’re going to demonstrate the fastest and easiest way to find better coverage at a better price.

If you currently have a car insurance policy, you will be able to save some money using these techniques. Finding affordable coverage is quite easy. But car owners must comprehend the methods companies use to sell insurance online and apply this information to your search.

The fastest way that we advise to compare insurance rates in your area is to take advantage of the fact most of the bigger providers provide online access to compare their rates. The only thing you need to do is provide information including your credit rating estimate, if you’re married, deductibles desired, and whether you drive to work or school. The rating information gets sent immediately to multiple insurance coverage providers and you will receive price estimates within a short period of time.

To start a quote now, click here and enter your coverage details.

Drivers save money with these discounts

Not many people think insurance is cheap, but there could be available discounts that many people don’t even know exist. Some trigger automatically at the time you complete a quote, but some need to be specifically requested before being credited.

  • College Student – College-age children who are enrolled in higher education away from home and don’t have a car may be insured at a cheaper rate.
  • Multi-car Discount – Drivers who insure multiple vehicles with the same company qualifies for this discount.
  • Accident Forgiveness Coverage – Not a discount per se, but some insurance companies will allow you to have one accident before they charge you more for coverage if you have no claims prior to being involved in the accident.
  • Drive Less and Save – Low annual miles can qualify you for lower rates due to less chance of an accident.
  • Homeowners Savings – Being a homeowner may earn you a small savings due to the fact that maintaining a home requires a higher level of personal finance.
  • ABS and Traction Control Discounts – Vehicles that have anti-lock braking systems are much safer to drive and the ABS can save up to 10%.

Policy discounts save money, but most discounts do not apply to your bottom line cost. Most cut the price of certain insurance coverages like medical payments or collision. Even though the math looks like you would end up receiving a 100% discount, you aren’t that lucky.

The best auto insurance companies and a partial list of their discounts are shown below.

  • State Farm policyholders can earn discounts including Drive Safe & Save, multiple autos, student away at school, good driver, accident-free, and multiple policy.
  • Liberty Mutual has discounts for preferred payment discount, exclusive group savings, new graduate, newly retired, safety features, hybrid vehicle, and teen driver discount.
  • American Family has savings for early bird, mySafetyValet, accident-free, Steer into Savings, and defensive driver.
  • Progressive offers discounts for homeowner, good student, continuous coverage, online signing, multi-policy, online quote discount, and multi-vehicle.
  • Farmers Insurance may offer discounts for electronic funds transfer, bundle discounts, pay in full, teen driver, business and professional, switch companies, and early shopping.
  • Auto-Owners Insurance offers premium reductions for paid in full, anti-theft, company car, safe driver, and multi-policy.
  • SAFECO offers discounts including accident prevention training, drive less, teen safety rewards, anti-theft, and anti-lock brakes.

If you want inexpensive insurance coverage quotes, ask every prospective company to apply every possible discount. Some discounts may not apply to policies in your state. To choose insurers that offer discounts, click this link.

Special considerations

When buying the best insurance coverage coverage, there really is not a single plan that fits everyone. Each situation is unique so this has to be addressed. For instance, these questions might point out whether or not you may require specific advice.

  • What is medical payments coverage?
  • Am I covered by my employer’s commercial auto policy when driving my personal car for business?
  • Should I file a claim if it’s only slightly more than my deductible?
  • Can I afford to buy a different vehicle if my 2013 Toyota RAV4 is totaled?
  • Am I covered when renting a car or should I buy coverage from the car rental agency?
  • Do I need higher collision deductibles?
  • What companies insure drivers after a DUI or DWI?

If you don’t know the answers to these questions but a few of them apply, then you may want to think about talking to a licensed agent. To find lower rates from a local agent, complete this form or you can also visit this page to select a carrier

Informed consumers save on insurance

Many factors are part of the equation when premium rates are determined. Some factors are common sense like a motor vehicle report, but other criteria are not quite as obvious like your continuous coverage or your commute time.It’s important that you understand some of the things that come into play when calculating your premiums. When you understand what positively or negatively impacts your premiums, this empowers consumers to make smart changes that may result in cheaper rates.

The itemized list below are some of the most common factors used by insurance companies to determine prices.

  • Prevent theft and save money – Purchasing a vehicle with a theft deterrent system can save you some money. Theft deterrent systems like tamper alarm systems, vehicle immobilizer technology and General Motors OnStar all aid in stopping your vehicle from being stolen.
  • Does your occupation cost you more? – Jobs like fire fightersairline pilots and dentists have higher premium rates due to high stress and lots of time spent at work. Conversely, occupations such as farmers, historians and performers have the lowest average rates on RAV4 coverage.
  • Insure your auto and home with one company – Many insurers allow lower prices to buyers who have multiple policies with them. It’s known as a multi-policy discount. Even if you’re getting this discount you still need to compare other company rates to confirm you are receiving the best rates possible.
  • Small claims can cost you – If you are a frequent claim filer, you shouldn’t be surprised to get either a policy non-renewal or much higher rates. Companies give lower rates to policyholders who are not frequent claim filers. Your insurance policy is meant to be used in the event of the large, substantial claims.
  • Continuous coverage lowers prices – Not having insurance is a big no-no and companies may charge more for letting your coverage lapse. Not only will rates go up, failure to provide proof of insurance will get you a revoked license or a big fine. You will then be forced to provide proof of insurance in the form of an SR-22 filing with your state motor vehicle department to get your license reinstated.
  • Gender as a rate factor – Over time, data shows that females tend to be a little less risky than males. Now that doesn’t mean females are better drivers. They both cause accidents in similar percentages, but the males have accidents that have higher claims. Men also tend to get higher numbers of serious violations such as driving while intoxicated (DWI) or driving recklessly. Young males cause the most accidents so they pay the highest premiums.

Coverage specifics

Having a good grasp of a car insurance policy helps when choosing the best coverages for your vehicles. Policy terminology can be ambiguous and coverage can change by endorsement. These are typical coverages found on most car insurance policies.

Auto liability insurance

This coverage will cover damage that occurs to people or other property that is your fault. It protects YOU from legal claims by others, and does not provide coverage for damage to your own property or vehicle.

Liability coverage has three limits: per person bodily injury, per accident bodily injury, and a property damage limit. You might see limits of 25/50/25 which means a limit of $25,000 per injured person, a limit of $50,000 in injury protection per accident, and a limit of $25,000 paid for damaged property. Occasionally you may see one number which is a combined single limit that pays claims from the same limit and claims can be made without the split limit restrictions.

Liability coverage pays for things such as loss of income, pain and suffering, repair costs for stationary objects and attorney fees. How much liability coverage do you need? That is a personal decision, but it’s cheap coverage so purchase higher limits if possible.

Uninsured or underinsured coverage

Uninsured or Underinsured Motorist coverage gives you protection from other motorists when they either have no liability insurance or not enough. This coverage pays for injuries to you and your family as well as damage to your 2013 Toyota RAV4.

Because many people only carry the minimum required liability limits, it only takes a small accident to exceed their coverage. So UM/UIM coverage is important protection for you and your family. Normally your uninsured/underinsured motorist coverages are set the same as your liablity limits.

Comprehensive protection

This coverage pays to fix your vehicle from damage that is not covered by collision coverage. You need to pay your deductible first then your comprehensive coverage will pay.

Comprehensive coverage protects against claims like damage from a tornado or hurricane, a broken windshield and hitting a bird. The maximum payout your car insurance company will pay is the ACV or actual cash value, so if the vehicle’s value is low it’s probably time to drop comprehensive insurance.

Medical expense coverage

Personal Injury Protection (PIP) and medical payments coverage provide coverage for immediate expenses such as X-ray expenses, doctor visits, EMT expenses, rehabilitation expenses and prosthetic devices. The coverages can be used to fill the gap from your health insurance plan or if you do not have health coverage. They cover all vehicle occupants in addition to if you are hit as a while walking down the street. PIP is not universally available and gives slightly broader coverage than med pay

Collision coverage protection

Collision coverage covers damage to your RAV4 from colliding with an object or car. You have to pay a deductible and the rest of the damage will be paid by collision coverage.

Collision can pay for claims like backing into a parked car, rolling your car and crashing into a building. Paying for collision coverage can be pricey, so consider removing coverage from older vehicles. Drivers also have the option to bump up the deductible to get cheaper collision coverage.

Be Smart and Buy Smart

We just covered some good ideas how to shop for 2013 Toyota RAV4 insurance online. The key thing to remember is the more rate comparisons you have, the higher the chance of saving money. You may be surprised to find that the biggest savings come from an unexpected company. Regional companies may only write in your state and offer lower auto insurance rates as compared to the big name companies such as Allstate and Progressive.

When trying to cut insurance costs, make sure you don’t sacrifice coverage to reduce premiums. There are many occasions where consumers will sacrifice comprehensive coverage or liability limits only to find out they didn’t have enough coverage. Your goal should be to purchase plenty of coverage at an affordable rate, not the least amount of coverage.

Cheap 2013 Toyota RAV4 insurance can be purchased on the web and from local agencies, and you need to comparison shop both to have the best rate selection. A few companies do not offer online rate quotes and many times these smaller companies sell through independent agencies.

Additional information