2016 Toyota RAV4 Insurance Quotes

Searching for better insurance coverage rates for your Toyota RAV4? Having to pay for expensive insurance coverage can dry up your savings account and make it impossible to make ends meet. Doing a price comparison can be a smart way to make sure you’re not throwing money away.

Lots of insurance companies contend to insure your vehicles, so it can be very hard to choose a provider to find the best rate

Don’t overlook these car insurance discounts

Companies offering auto insurance don’t necessarily list their entire list of discounts very clearly, so the below list has a few of the more well known and also the lesser-known savings tricks you should be using when you buy car insurance online. If you do not double check each discount available, you could be paying more than you need to.

  • Telematics Discount – Policyholders that allow companies to track where and when they drive by installing a telematics device such as Drivewise from Allstate or Snapshot from Progressive could see a rate decrease as long as they are good drivers.
  • Theft Prevention System – Cars optioned with advanced anti-theft systems help deter theft and qualify for as much as a 10% discount.
  • Air Bag Discount – Vehicles equipped with air bags could see savings of 25 to 30%.
  • Accident-Free Discounts – Good drivers with no accidents pay less when compared with bad drivers.
  • Active Military Service – Being on active duty in the military may lower your car insurance rates slightly.
  • Accident Forgiveness Coverage – This isn’t a discount exactly, but a handful of insurance companies permit an accident before your rates go up so long as you haven’t had any claims for a certain period of time.
  • Safety Restraint Discount – Using a seat belt and requiring all passengers to buckle their seat belts can save up to 15% off PIP or medical payments premium.
  • Braking Control Discount – Cars, trucks, and SUVs that have steering control and anti-lock brakes prevent accidents and qualify for as much as a 10% discount.

Drivers should understand that most of the big mark downs will not be given to the overall cost of the policy. Most cut the price of certain insurance coverages like comp or med pay. Just because it seems like all the discounts add up to a free policy, companies don’t profit that way.

If you would like to see a list of insurance companies that provide some of the discounts listed above, click here to view.

Eight things that influence your insurance prices

The best way to find cheaper car insurance is to take a look at some of the factors that go into determining the rates you pay for car insurance. When consumers understand what determines base rates, this allows you to make educated decisions that can help you get much lower annual insurance costs.

The list below includes a partial list of the pieces utilized by car insurance companies to help set premiums.

  • Proper usage rating affects rates – Driving more miles every year the more you’ll pay to insure your vehicle. A lot of insurance companies calculate prices determined by how the vehicle is used. Autos not used for work or commuting can get a lower rate than those that get driven frequently. Having the wrong rating on your RAV4 can result in significantly higher rates. Make sure your car insurance policy reflects the correct usage.
  • Car insurance policy lapses increase prices – Not maintaining insurance can get you a ticket and your next policy will cost more because you let your insurance expire. Not only will you pay higher rates, getting caught without coverage may earn you a fine, jail time, or a revoked license.
  • Do thieves like your car? – Choosing a vehicle with a theft deterrent system can help lower your rates. Anti-theft devices such as tamper alarm systems, vehicle immobilizer technology and General Motors OnStar all help prevent auto theft.
  • Frequent car insurance claims will cost you – Insurance companies generally give the lowest premiums to insureds that do not abuse their auto insurance. If you file a lot of claims you can expect either policy cancellation or increased premiums. Your car insurance is intended for more catestrophic claims.
  • Car insurance rates may be lower depending on your vocation – Did you know your occupation can influence how much you pay for car insurance? Careers like doctors, social workers and emergency personnel are shown to have the highest rates because of high stress levels and lots of time spent away from family. Conversely, careers like scientists, athletes and homemakers receive lower rates for RAV4 coverage.
  • Liability coverage – Your car insurance policy’s liability coverage provides coverage if ever a court rules you are at fault for damages caused by your negligence. Liability provides you with a defense in court to attempt to prove you were not liable. Carrying liability coverage is mandatory and cheap compared to physical damage coverage, so insureds should have plenty of protection for their assets.
  • Which gender costs less? – Over the last 50 years, statistics have shown that females take fewer risks when driving. The data does not necessarily mean that men are worse drivers. Males and females cause at-fault accidents at about the same rate, but the male of the species have costlier accidents. Men also tend to have more aggressive citations such as driving while intoxicated (DWI) or driving recklessly.
  • Cars with good safety ratings lower prices – Cars with five star safety ratings are cheaper to insure. Vehicles built for safety reduce the chance of injuries and lower rates of occupant injuries translates into fewer and smaller insurance claims which can result in lower premiums.

When to get professional advice

When buying adequate coverage for your vehicles, there really is not a perfect coverage plan. Each situation is unique so your insurance needs to address that. These are some specific questions might point out whether or not you will benefit from professional help.

  • Is my vehicle covered by my employer’s policy when using it for work?
  • Why do I need rental car insurance?
  • Can my teen driver be rated on a liability-only vehicle?
  • Should I file a claim if it’s only slightly more than my deductible?
  • Why am I required to buy liability insurance?
  • Who is covered by my policy?
  • Am I covered when driving a rental car?

If you can’t answer these questions but you know they apply to you, 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.

Car insurance coverages and their meanings

Having a good grasp of a car insurance policy can be of help when determining appropriate coverage at the best deductibles and correct limits. Car insurance terms can be difficult to understand and reading a policy is terribly boring. Below you’ll find typical coverage types found on the average car insurance policy.

Liability insurance

Liability insurance protects you from damage that occurs to people or other property that is your fault. It protects YOU from legal claims by others. It does not cover damage sustained by your vehicle in an accident.

It consists of three limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. As an example, you may have liability limits of 25/50/25 which means a limit of $25,000 per injured person, a total of $50,000 of bodily injury coverage per accident, and property damage coverage for $25,000.

Liability can pay for things such as repair bills for other people’s vehicles, loss of income, repair costs for stationary objects and medical services. How much coverage you buy is your choice, but consider buying higher limits if possible.

Insurance for medical payments

Med pay and PIP coverage pay for bills for things like chiropractic care, pain medications, X-ray expenses and doctor visits. They are utilized in addition to your health insurance program or if you lack health insurance entirely. Coverage applies to both the driver and occupants and will also cover getting struck while a pedestrian. Personal Injury Protection is not universally available and gives slightly broader coverage than med pay

Collision insurance

Collision insurance pays to fix your vehicle from damage resulting from a collision with another car or object. You have to pay a deductible then your collision coverage will kick in.

Collision coverage protects against things like scraping a guard rail, crashing into a ditch, colliding with a tree and backing into a parked car. Collision is rather expensive coverage, so consider removing coverage from lower value vehicles. It’s also possible to increase the deductible to bring the cost down.

Comprehensive coverage (or Other than Collision)

This pays to fix your vehicle from damage caused by mother nature, theft, vandalism and other events. You need to pay your deductible first then the remaining damage will be covered by your comprehensive coverage.

Comprehensive insurance covers claims such as theft, damage from flooding and a tree branch falling on your vehicle. The highest amount a car insurance company will pay at claim time is the ACV or actual cash value, so if the vehicle’s value is low it’s probably time to drop comprehensive insurance.

Uninsured Motorist or Underinsured Motorist insurance

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

Because many people only carry the minimum required liability limits, it only takes a small accident to exceed their coverage. That’s why carrying high Uninsured/Underinsured Motorist coverage is a good idea.

Make a quick buck

Low-cost 2016 Toyota RAV4 insurance can be found both online and from local insurance agents, and you should compare price quotes from both in order to have the best price selection to choose from. Some insurance providers may not provide the ability to get quotes online and many times these smaller providers prefer to sell through independent agencies.

When buying insurance coverage, do not reduce coverage to reduce premium. There are many occasions where someone sacrificed collision coverage only to discover later that the few dollars in savings costed them thousands. Your goal is to buy the best coverage you can find at a price you can afford while not skimping on critical coverages.

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