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Toyota RAV4 Insurance Rates

Buying car insurance through online rate quotes is simple to do and there is a good chance you might just save a little. The critical component is to get as many rate quotes as possible so you can get every option.

Shopping online for car insurance can be a challenge if you have never used online quoting. But don't let that discourage you because comparing prices is actually very simple. When shopping for car insurance there are multiple ways to compare rate quotes from local car insurance companies. The quickest method to find competitive Toyota RAV4 insurance quotes is to get quotes online. This can be accomplished by completing this short form.

Auto insurance rates for a Toyota RAV4 can fluctuate considerably subject to many criteria. Some of these factors include:

  • Traffic citations increase rates
  • Credit rating impacts rates
  • Where you live
  • How many miles you drive
  • Male drivers pay higher rates
  • Low deductibles cost more
  • Safety rating of your RAV4
  • What you do for a living
  • Your coverage level
  • Whether you own your home

A final factor that helps determine Toyota RAV4 insurance rates is the model year. Older models cost less in comparison to older models so repair costs tend to be lower which can decrease annual premiums. On the flip side, new Toyota models may have a trim level with safety features like lane departure warning system, a telematics system, and adaptive headlights which may give discounted rates.

For you to have a better understanding of how rates are influenced for your specific model year, select the year of your vehicle below.

Auto liability

Toyota RAV4 liability coverage provides protection from damage that occurs to other people or property in an accident. Liability can pay for things like legal defense fees, bail bonds, and repair bills for other people's vehicles. This coverage is usually fairly inexpensive so consider buying as high a limit as you can afford.

Collision coverage

Collision insurance pays to fix your vehicle from damage caused by collision with another car or object. A deductible applies and the rest of the damage will be paid by collision coverage. Toyota RAV4 collision insurance is rather expensive coverage, so consider removing coverage from vehicles that are older. It's also possible to bump up the deductible to get cheaper Toyota RAV4 insurance rates.

Comprehensive auto coverage

Comprehensive insurance pays to fix your vehicle from damage OTHER than collision with another vehicle or object. You need to pay your deductible first and the remainder of the damage will be paid by your Toyota RAV4 comprehensive insurance. The most you'll receive from a claim is the market value of your vehicle, so if the vehicle's value is low consider removing comprehensive coverage.

Uninsured Motorist or Underinsured Motorist insurance

Your UM/UIM coverage protects you and your vehicle when other motorists either have no liability insurance or not enough. Since many drivers have only the minimum liability required by law, their limits can quickly be used up. That's why carrying high Uninsured/Underinsured Motorist coverage is very important.

Medical payments and PIP coverage

Medical payments and Personal Injury Protection insurance reimburse you for short-term medical expenses (i.e. nursing services, prosthetic devices, and dental work). They are used to fill the gap from your health insurance program or if you lack health insurance entirely. Personal injury protection coverage is not universally available but it provides additional coverages not offered by medical payments coverage.

How Much are Toyota RAV4 Insurance Rates?