2018 Toyota RAV4 Car Insurance Cost – 6 Tricks for Cheaper Prices

Consumers have many options when looking for low-cost Toyota RAV4 insurance. You can either waste hours contacting agents trying to get quotes or utilize the internet to get rate quotes. There are both good and bad ways to buy insurance so you’re going to learn the quickest way to compare rates for a Toyota and obtain the cheapest rates either online or from local insurance agents.

Finding the best rates is easy if you know what you’re doing. If you are paying for car insurance now, you stand a good chance to be able to save some money using this information. Consumers just need to understand the most efficient way to find the lowest price online.

The easiest way to compare insurance rates from multiple companies takes advantage of the fact most insurance companies actually pay money for the chance to compare rate quotes. To begin a comparison, all you need to do is take a few minutes to give details such as daily mileage, marital status, whether you drive to work or school, and the type of vehicles you drive. That rating information is automatically sent to insurance carriers in your area and they return rate quotes instantly.

To check 2018 Toyota RAV4 insurance prices now, click here and complete the form.

Verify you’re earning every discount

Auto insurance is neither fun to buy or cheap, but you might find some hidden discounts that many people don’t even know exist. Some of these disounts will be visible when you quote, but less common discounts must be specifically requested before they will apply.

  • Safety Course Discount – Successfully completing a driver safety course could save 5% or more if your company offers it.
  • Homeowners Savings – Owning a home can save a few bucks because of the fact that having a home is proof that your finances are in order.
  • Government Employees – Active or retired federal employment could cut as much as 10% off on RAV4 insurance with a few auto insurance companies.
  • Theft Prevention Discount – Cars, trucks, and SUVs with anti-theft systems prevent vehicle theft and will save you 10% or more.
  • Telematics Data – Drivers that enable their insurance company to monitor vehicle usage remotely such as Progressive’s Snapshot and State Farm’s In-Drive might get better premium rates if their driving habits are good.
  • No Charge for an Accident – Not really a discount, but some companies like State Farm and Geico allow you one accident without the usual rate increase so long as you are claim-free prior to being involved in the accident.

Keep in mind that most credits do not apply to the overall cost of the policy. Most only cut the cost of specific coverages such as comprehensive or collision. Even though it may seem like you would end up receiving a 100% discount, you won’t be that lucky. Any amount of discount will cut the amount you have to pay.

A few popular companies and the discounts they provide are shown below.

  • State Farm may have discounts that include driver’s education, Steer Clear safe driver discount, Drive Safe & Save, anti-theft, student away at school, multiple policy, and good student.
  • American Family has discounts for TimeAway discount, accident-free, defensive driver, good driver, air bags, multi-vehicle, and Steer into Savings.
  • Geico offers discounts for seat belt use, federal employee, multi-policy, membership and employees, five-year accident-free, and multi-vehicle.
  • 21st Century offers premium reductions for theft prevention, defensive driver, homeowners, automatic seat belts, air bags, anti-lock brakes, and early bird.
  • Progressive includes discounts for multi-vehicle, online quote discount, online signing, multi-policy, good student, and homeowner.

When comparing rates, check with all the companies which discounts can lower your rates. Some credits may not apply to policies in your area. To find insurance companies that offer multiple discounts, click here.

When should I discuss my situation with an agent?

When buying the right insurance coverage for your personal vehicles, there is no single plan that fits everyone. Your needs are not the same as everyone else’s.

For example, these questions may help you determine whether your personal situation would benefit from an agent’s advice.

  • Is there coverage for injuries to my pets?
  • Are rock chip repairs covered?
  • What can I do if my company denied a claim?
  • Can I get a multi-policy discount?
  • Can I still get insurance after a DUI?
  • Does liability extend to a camper or trailer?

If you don’t know the answers to these questions, then you may want to think about talking to an insurance agent. To find an agent in your area, take a second and complete this form. It is quick, free and you can get the answers you need.

Auto insurance coverage options for a Toyota RAV4

Having a good grasp of your auto insurance policy aids in choosing appropriate coverage and the correct deductibles and limits. Policy terminology can be impossible to understand and even agents have difficulty translating policy wording.

Auto collision coverage

This pays to fix your vehicle from damage caused by collision with an object or car. You first must pay a deductible and the rest of the damage will be paid by collision coverage.

Collision coverage pays for claims like hitting a parking meter, scraping a guard rail and sustaining damage from a pot hole. Collision coverage makes up a good portion of your premium, so consider dropping it from vehicles that are 8 years or older. Another option is to bump up the deductible to save money on collision insurance.

Comprehensive protection

Comprehensive insurance pays for damage from a wide range of events other than collision. A deductible will apply and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive insurance covers things like theft, rock chips in glass, vandalism and a tree branch falling on your vehicle. The most you can receive from a comprehensive claim is the actual cash value, so if the vehicle is not worth much it’s not worth carrying full coverage.

Liability coverage

This coverage provides protection from damage or injury you incur to people or other property in an accident. It protects YOU from claims by other people, and doesn’t cover your own vehicle damage or injuries.

Liability coverage has three limits: per person bodily injury, per accident bodily injury, and a property damage limit. As an example, you may have limits of 100/300/100 that translate to a limit of $100,000 per injured person, a per accident bodily injury limit of $300,000, and a total limit of $100,000 for damage to vehicles and property.

Liability can pay for things like court costs, medical services, medical expenses and legal defense fees. How much coverage you buy is your choice, but it’s cheap coverage so purchase higher limits if possible.

Uninsured or underinsured coverage

Your UM/UIM coverage protects you and your vehicle’s occupants when the “other guys” do not carry enough liability coverage. It can pay for injuries sustained by your vehicle’s occupants as well as your vehicle’s damage.

Because many people have only the minimum liability required by law, it doesn’t take a major accident to exceed their coverage limits. So UM/UIM coverage is a good idea.

Medical expense coverage

Med pay and PIP coverage pay for short-term medical expenses such as EMT expenses, rehabilitation expenses, ambulance fees, chiropractic care and pain medications. They are used to cover expenses not covered by your health insurance policy or if you are not covered by health insurance. It covers both the driver and occupants in addition to if you are hit as a while walking down the street. PIP coverage is not an option in every state and may carry a deductible

Cheaper insurance is a realistic goal

Throughout this article, we presented a lot of techniques to reduce 2018 Toyota RAV4 insurance premium rates online. The key thing to remember is the more providers you compare, the higher your chance of finding low cost car insurance. You may even find the biggest savings come from a small local company.

As you restructure your insurance plan, it’s not a good idea to buy poor coverage just to save money. In many instances, consumers will sacrifice full coverage only to find out that the few dollars in savings costed them thousands. The ultimate goal is to purchase a proper amount of coverage at the best price, not the least amount of coverage.

Insureds switch companies for any number of reasons including delays in responding to claim requests, an unsatisfactory settlement offer, high prices and being labeled a high risk driver. No matter why you want to switch, choosing a new insurance company is easier than you think.

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