Lower Your 2015 Toyota RAV4 Insurance Quotes

Are you irritated from scraping nickels together to pay high auto insurance rates every month? You’re in the same situation as many other drivers.

Due to the increasing number of online and local companies to choose from, it can be impossible to pick the lowest cost auto insurance provider.

You need to compare premium rates as often as possible because rates trend upward over time. Even if you think you had the best premium rates on RAV4 coverage a year ago the chances are good that you can find a lower price today. Ignore everything you know about auto insurance because you’re about to find out one of the best ways to properly buy coverages while reducing your premium.

Don’t miss with these discounts

Buying auto insurance is not cheap, but companies offer discounts that you may not even be aware of. Some discounts apply automatically at the time of purchase, but some need to be requested specifically before being credited.

  • E-sign – Many larger companies will provide an incentive get auto insurance online.
  • Cautious Driver Discount – Safe drivers may receive a discount up to 45% on RAV4 coverage than drivers with accident claims.
  • Resident Student – College-age children who live away from home at college without a vehicle on campus may qualify for this discount.
  • Military Rewards – Being on active deployment in the military may lower your auto insurance rates slightly.
  • Senior Citizen Discount – Older drivers may be able to get lower premium rates on RAV4 coverage.
  • Pay Upfront and Save – By paying your policy upfront instead of monthly or quarterly installments you can actually save on your bill.
  • Student Discount for Driver Training – Cut your cost by having your teen driver successfully complete driver’s ed class as it will make them better drivers and lower rates.
  • Discount for Home Ownership – Just owning your own home may trigger a policy discount on auto insurance since home ownership requires personal responsibility.
  • Defensive Driver – Completing a course that instructs on driving safety could possibly earn you a 5% discount and easily pay for the cost of the class.
  • Discount for Swiching Early – Some auto insurance companies reward drivers for switching policies prior to the expiration date on your current policy. You may see this discount when you get auto insurance quotes online.

As a disclaimer on discounts, some credits don’t apply to all coverage premiums. Most only apply to specific coverage prices like comprehensive or collision. If you do the math and it seems like adding up those discounts means a free policy, you won’t be that lucky.

Companies and some of their more popular discounts are detailed below.

  • Geico may have discounts that include federal employee, emergency military deployment, multi-policy, good student, air bags, anti-theft, and seat belt use.
  • Travelers offers discounts including student away at school, continuous insurance, good student, driver training, and multi-policy.
  • Nationwide may offer discounts for good student, defensive driving, anti-theft, business or organization, Farm Bureau membership, multi-policy, and family plan.
  • Farmers Insurance offers premium reductions for mature driver, teen driver, multi-car, distant student, early shopping, switch companies, and bundle discounts.
  • Esurance may include discounts for multi-car, defensive driver, online quote, Switch & Save, renters, Pac-12 alumni, and online shopper.
  • State Farm offers discounts for good student, Steer Clear safe driver discount, passive restraint, multiple policy, multiple autos, Drive Safe & Save, and driver’s education.
  • Progressive has savings for homeowner, continuous coverage, online quote discount, good student, multi-policy, and online signing.
  • Mercury Insurance discounts include ease of repair, annual mileage, accident-free, good student, and location of vehicle.

Double check with every insurance company which discounts you may be entitled to. Discounts might not be offered in your area.

First Step: Get free car insurance quotes

Comparing car insurance rates is a ton of work if you don’t know the easiest way. You can waste a few hours (or days) discussing policy coverages with local insurance agents in your area, or you could use online quotes for quick rates.

Many companies participate in an industry program where insurance shoppers submit their information once, and every company provides a quote for coverage. This system prevents you from having to do quote forms to each individual car insurance company. To get comparison pricing now click here to start a free quote.

The one downside to using this type of system is you don’t know exactly which companies you will receive quotes from. If you would rather choose specific insurance companies to receive pricing from, we have a page of low cost car insurance companies in your area. Click here to view list.

It’s up to you which method you use, but double check that you are using nearly identical coverage information for each comparison quote. If you use different deductibles then you won’t be able to determine the lowest rate for your Toyota RAV4. Just slight variations in insurance coverages may cause a big price difference. It’s important to know that having more price comparisons helps increase your odds of locating a lower rate than you’re paying now.

Why you might pay increased rates

Many different elements are part of the calculation when pricing auto insurance. Most are fairly basic like a motor vehicle report, although some other factors are less apparent such as your credit history or your financial responsibility.

  • Rental and towing coverage may not be needed – There are quite a few additional coverages you can purchase on your insurance coverage policy. Add-on coverages like roadside assistance, accidental death, and Farm Bureau memberships may not be needed and are just wasting money. These may sound like a good investment at first, but if they’re wasting money remove them and pocket the money.
  • Your address can impact costs – Living in a small town can save you money when trying to find low car insurance rates. Fewer drivers on the road translates into fewer accident claims in addition to lower liability claims City drivers regularly have much more traffic and longer commute times. Higher commute times translates into higher accident risk.
  • Does insurance coverage cost less for gals? – Over the last 50 years, statistics have shown women tend to be less risk to insure than men. However, this does not mean women are better drivers. Both genders tend to get into auto accidents in similar percentages, but the male of the species tend to have higher claims. Men also have more aggressive citations like DUI and reckless driving.
  • Never let your insurance coverage expire – Driving any period of time without insurance is illegal and insurance coverage companies will penalize you for letting your coverage have a gap. Not only will you pay higher rates, being ticketed for driving with no insurance could earn you a steep fine or even jail time.
  • Raise physical damage deductibles and save – Insurance for physical damage, also known as collision and other-than-collision, insures against damage to your Toyota. Some examples of covered claims could be a dented fender, damage from fire, and rolling your vehicle. Physical damage deductibles tell how much you are required to pay if you file a covered claim. The higher the amount you are required to pay out-of-pocket, the lower your rates will be on RAV4 coverage.
  • Excellent credit saves on insurance coverage – An insured’s credit score is a large factor in determining premium rates. Insureds that have excellent credit tend to file fewer claims than those with poor credit. So if your credit is not that good, you may save money insuring your 2015 Toyota RAV4 by spending a little time repairing your credit.
  • Cautious drivers pay lower costs – Your driving citation history has a huge affect on how much you pay. Drivers who don’t get tickets pay lower auto insurance prices compared to bad drivers. Having a single chargable violation may cause rates to rise by as much as thirty percent. Drivers who have gotten dangerous tickets such as reckless driving or DUI may need to submit a SR-22 form with their state’s licensing department in order to prevent a license revocation.

Your situation helps dictate your coverage

When choosing proper insurance coverage for your personal vehicles, there isn’t really a one size fits all plan. Your needs are not the same as everyone else’s and your policy should reflect that. For example, these questions might help in determining whether you might need professional guidance.

  • Are rock chip repairs covered?
  • Is rental equipment covered for theft or damage?
  • Can I afford to pay high deductible claims out of pocket?
  • Does my medical payments coverage pay my health insurance deductible?
  • Do all my vehicles need collision coverage?
  • Do I need motorclub coverage?
  • Should I buy additional glass protection?
  • How high should my medical payments coverage be?

If you can’t answer these questions, you may need to chat with an agent. To find lower rates from a local agent, take a second and complete this form or click here for a list of car insurance companies in your area.

Ads can be misleading

Well-known car insurance companies like Geico, State Farm and Progressive consistently run ads on television and other media. They all seem to make the same claim about saving some big amount just by moving your coverage. How do they all make the same claim? This is how they do it.

Insurance providers quote their cheapest rates for the right customer that earns them the highest profit. One example of a profitable insured should be over age 30, has never had a claim, and drives less than 7,500 miles a year. A driver who matches those parameters will get low rates and as a result will probably save if they switch.

Drivers who are not a match for those criteria will probably be forced to pay higher premiums which leads to business going elsewhere. If you listen to the ad wording, they say “customers who switch” but not “all drivers who get quotes” save that much when switching. That’s why companies can truthfully advertise the way they do.

Because every company is different, you absolutely need to get price quotes at each policy renewal. Because you never know the company that will be your best fit.

Car insurance coverage options for a 2015 Toyota RAV4

Understanding the coverages of your policy can be of help when determining which coverages you need and proper limits and deductibles. Car insurance terms can be confusing and nobody wants to actually read their policy. Below you’ll find typical coverages found on the average car insurance policy.

Coverage for uninsured or underinsured drivers

This gives you protection from other motorists when they either have no liability insurance or not enough. It can pay for medical payments for you and your occupants and also any damage incurred to your 2015 Toyota RAV4.

Due to the fact that many drivers only purchase the least amount of liability that is required, their limits can quickly be used up. So UM/UIM coverage is important protection for you and your family. Frequently the UM/UIM limits do not exceed the liability coverage limits.

Coverage for medical expenses

Personal Injury Protection (PIP) and medical payments coverage kick in for expenses like prosthetic devices, hospital visits and chiropractic care. They are often used in conjunction with a health insurance plan or if you are not covered by health insurance. Medical payments and PIP cover all vehicle occupants in addition to any family member struck as a pedestrian. PIP is not an option in every state but it provides additional coverages not offered by medical payments coverage

Comprehensive car insurance

This coverage covers damage caused by mother nature, theft, vandalism and other events. You first must pay your deductible and then insurance will cover the rest of the damage.

Comprehensive coverage protects against things like a broken windshield, damage from getting keyed and fire damage. The maximum amount a car insurance company will pay at claim time is the cash value of the vehicle, so if it’s not worth much more than your deductible it’s not worth carrying full coverage.

Liability car insurance

This coverage will cover damage that occurs to people or other property. This insurance protects YOU from legal claims by others. Liability doesn’t cover your injuries or vehicle damage.

Liability coverage has three limits: bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You commonly see policy limits of 100/300/100 which means a $100,000 limit per person for injuries, a total of $300,000 of bodily injury coverage per accident, and a limit of $100,000 paid for damaged property. Alternatively, you may have one limit called combined single limit (CSL) that pays claims from the same limit with no separate limits for injury or property damage.

Liability coverage pays for things such as medical services, repair costs for stationary objects and repair bills for other people’s vehicles. How much coverage you buy is up to you, but consider buying as large an amount as possible.

Collision coverage

Collision coverage pays to fix your vehicle from damage caused by collision with a stationary object or other vehicle. You have to pay a deductible then your collision coverage will kick in.

Collision coverage pays for things such as sustaining damage from a pot hole, crashing into a building and damaging your car on a curb. Paying for collision coverage can be pricey, so analyze the benefit of dropping coverage from vehicles that are 8 years or older. Another option is to increase the deductible to bring the cost down.

Compare but don’t skimp

In this article, we covered a lot of information how to reduce 2015 Toyota RAV4 insurance prices online. It’s most important to understand that the more companies you get rates for, the better likelihood of getting low cost auto insurance. You may even discover the best prices are with a lesser-known regional company. Some small companies may only write in your state and offer lower rates compared to the large companies like Progressive or Geico.

Some insurance providers may not have internet price quotes and usually these small insurance companies only sell coverage through independent insurance agents. The cheapest 2015 Toyota RAV4 insurance can be sourced from both online companies and from local insurance agents, so you should compare both to have the best chance of lowering rates.

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