1996 Toyota RAV4 Insurance Quotes – 9 Tips for Cheapest Rates

Looking for better car insurance rates for your Toyota RAV4? Purchasing budget-priced car insurance can appear to be somewhat difficult for shopping for insurance on the web. With such a large choice of companies competing online, how are consumers able to efficiently compare every company in order to find better rates?

If you currently have a car insurance policy, you will be able to save some money using this strategy. This article will teach you how car insurance quotes work and some tips to save money. Although car owners benefit from understanding how the larger insurance companies price online insurance and apply this information to your search.

How to buy insurance coverage online

There are multiple methods to compare insurance coverage quotes, and some are more efficient than others. You can waste a lot of time driving to agents in your area, or you can utilize the web to quickly compare rates.

Most of the larger companies participate in a marketplace that allows shoppers to submit one quote, and at least one company then returns a price quote. This eliminates the need for repetitive form submissions to each company.

To find out how much you can save on insurance coverage click to open in new window.

The one downside to comparing rates this way is that consumers can’t choose the providers you want to price. So if you want to choose specific providers to receive pricing from, we have assembled a list of the cheapest insurance coverage companies in your area. Click to view list.

Whichever way you use, make sure you compare equivalent coverage limits and deductibles for each price quote. If you are comparing higher or lower deductibles then you won’t be able to truly determine the lowest rate. Just slight variations in coverage limits may cause a big price difference. Keep in mind that comparing more quotes increases your odds of finding a better price.

Beware of misleading insurance coverage ads

Respected companies like 21st Century, Allstate and State Farm regularly use ads on television and other media. All the companies make the same claim that people will save if you switch your coverage. How does every company charge you less for car insurance?

All the different companies give the best rates for the type of customer that will not have excessive claims. For instance, a desirable insured might be married and over the age of 30, carries full coverage, and drives less than 7,500 miles a year. Any person that meets those criteria will get low rates and will probably pay quite a bit less when switching companies.

Insureds who don’t meet those criteria may be forced to pay a higher premium which results in the customer not purchasing. The wording the ads use say “drivers that switch” not “everyone that quotes” save money. That’s why companies can truthfully make the claims of big savings. Because of these techniques, you need to quote coverage with many companies. Because without a comparison, you cannot know which insurance coverage company will have the lowest rate quotes.

Pay discount rates these nine premium-slashing discounts

Some insurers don’t necessarily list the entire discount list very clearly, so the list below contains some of the best known and the harder-to-find discounts that may be available.

  • Military Discounts – Being deployed in the military may lower your prices slightly.
  • Life Insurance Discount – If the company offers life insurance, you could get a discounted rate on car insurance if you buy some life insurance in addition to your auto policy.
  • Payment Method – If you can afford to pay the entire bill rather than paying monthly you may have a lower total premium amount.
  • Good Student Discount – Performing well in school may save you up to 25%. Many companies even apply the discount to college students up until you turn 25.
  • Memberships – Being in qualifying employment or professional organizations could earn you a nice discount on your next insurance coverage statement.
  • Telematics Data Discounts – Drivers who agree to allow driving data submission to study where and when they drive by using a telematics device like Drivewise from Allstate or In-Drive from State Farm could see a rate decrease if they are good drivers.
  • Paperwork-free – Some of the larger companies will discount your bill up to fifty bucks simply for signing online.
  • Renewal Discounts – A few larger companies offer discounts for switching policies before your current coverage expires. It could save around 10% when you buy car insurance online.
  • Drive Safe and Save – Insureds who avoid accidents can save up to 40% or more on their car insurance quote on RAV4 coverage compared to rates paid by drivers with frequent claims.

Please keep in mind that most of the big mark downs will not be given to your bottom line cost. Some only apply to the price of certain insurance coverages like collision or personal injury protection. Even though it appears adding up those discounts means a free policy, you’re out of luck.

Companies that may offer these money-saving discounts include:

If you need lower rates, check with each insurance company the best way to save money. Some credits may not be offered in your area.

Do I need special coverages?

When buying the best insurance coverage coverage, there isn’t really a best way to insure your cars. Every insured’s situation is different.

For instance, these questions can help discover if you would benefit from professional advice.

  • Is upholstery damage covered by car insurance?
  • Is a fancy paint job covered?
  • When would I need additional glass coverage?
  • Do I have any recourse if my insurance company denies a claim?
  • Is my trailer covered?
  • Does coverage extend to my business vehicle?
  • When should my teen driver be added to my policy?
  • Will I lose any money if I cancel my policy before it expires?
  • Am I covered if I hit my neighbor’s mailbox?

If it’s difficult to answer those questions but you think they might apply to your situation, you may need to chat with an agent. If you want to speak to an agent in your area, fill out this quick form.

Coverages available on your car insurance policy

Knowing the specifics of car insurance aids in choosing appropriate coverage and the correct deductibles and limits. The terms used in a policy can be difficult to understand and coverage can change by endorsement.

Medical expense insurance

Personal Injury Protection (PIP) and medical payments coverage kick in for expenses such as X-ray expenses, prosthetic devices, chiropractic care and EMT expenses. They are used in conjunction with a health insurance policy or if there is no health insurance coverage. It covers not only the driver but also the vehicle occupants and also covers being hit by a car walking across the street. Personal Injury Protection is not an option in every state and may carry a deductible

Protection from uninsured/underinsured drivers

This coverage provides protection from other drivers when they either have no liability insurance or not enough. It can pay for injuries sustained by your vehicle’s occupants as well as damage to your 1996 Toyota RAV4.

Due to the fact that many drivers have only the minimum liability required by law, it only takes a small accident to exceed their coverage. This is the reason having UM/UIM coverage is important protection for you and your family.

Auto liability

This protects you from damage or injury you incur to a person or their property by causing an accident. It protects YOU against other people’s claims, and doesn’t cover your own vehicle damage or injuries.

Liability coverage has three limits: bodily injury per person, bodily injury per accident and property damage. You might see liability limits of 25/50/25 that means you have a limit of $25,000 per injured person, a per accident bodily injury limit of $50,000, and property damage coverage for $25,000.

Liability insurance covers things such as court costs, repair costs for stationary objects and pain and suffering. The amount of liability coverage you purchase is a decision to put some thought into, but you should buy higher limits if possible.

Collision coverage protection

This will pay to fix damage to your RAV4 resulting from colliding with another vehicle or an object, but not an animal. You will need to pay your deductible then your collision coverage will kick in.

Collision coverage protects against things like hitting a mailbox, damaging your car on a curb and crashing into a ditch. Paying for collision coverage can be pricey, so you might think about dropping it from lower value vehicles. Drivers also have the option to raise the deductible in order to get cheaper collision rates.

Comprehensive (Other than Collision)

Comprehensive insurance pays for damage caused by mother nature, theft, vandalism and other events. You first have to pay a deductible then your comprehensive coverage will pay.

Comprehensive can pay for things like hail damage, falling objects, hitting a deer and a tree branch falling on your vehicle. The most you can receive from a comprehensive claim is the cash value of the vehicle, so if it’s not worth much more than your deductible consider dropping full coverage.

Find Good Coverage for Less

Lower-priced 1996 Toyota RAV4 insurance can be bought from both online companies in addition to local insurance agencies, and you should compare price quotes from both to have the best selection. Some insurance providers may not offer price quotes online and these small, regional companies provide coverage only through independent insurance agencies.

Drivers leave their current company for a variety of reasons including high prices, policy cancellation, poor customer service and not issuing a premium refund. Regardless of your reason, choosing a new insurance company can be easy and end up saving you some money.

You just read many ways to lower your 1996 Toyota RAV4 insurance prices. The key concept to understand is the more companies you get rates for, the better likelihood of getting cheaper car insurance. Consumers could even find that the best prices are with an unexpected company.

More tips and info about insurance can be read in these articles:

Comments About 1996 Toyota RAV4 Insurance

  1. Trista Rojas

    Cheaper not always better. I’m in Charleston, SC. I got free prices from Travelers, AAA, Hanover, and Sentry for my RAV4 and saved about $100 a year. Highly recommended.

  2. Rikki Mcintosh

    Lifelong resident of Hilo, HI. Compared rates from a lot of places. Saved roughly $20 a month. Progressive was the most affordable for me. Left American Family to switch. Even increased coverage a bit.

  3. Minda Alvarado

    In Provo, Utah compare Allstate with GEICO and see which is best.

  4. Paulina Mcgee

    I live just outside San Diego, CA. Went online for free insurance quotes for a 1996 Toyota RAV4. Ended up at about $120 savings annually. Went with 21st Century. Insured with Hanover before. They offer free online rate quotes. Full coverage costs too much.

  5. Jule Lynn

    GEICO and Allstate had the best prices I found in Pennsylvania.

  6. Marianne Horton

    All companies are crooks. I live just to the west of Indianapolis, IN. I quoted with AAA, Nationwide, and a few others for my RAV4 and I’m now saving $10 a month. A clean driving record helps. When should I drop full coverage?

  7. Cleotilde Cox

    Live in the southern part of Cincinnati, Ohio. Compared quite a few companies. Saved right around $20 a month. Allstate was the cheapest for me. Not sure about claim service. My RAV4 doesn’t have full coverage.

  8. Roxanne Daniel

    Why are claims settled so low?

  9. Melodi Gilbert

    Here’s what I found out. Live in Owensboro, Kentucky. Quoted with Auto-Owners, MetLife, and some smaller one I can’t remember the name of for my Toyota and I’m now saving $23 a month.

  10. Grady Sweeney

    Mine is so expensive. I’m from Little Rock, AR. Compared quite a few companies. Saved darn near $20 a month. Progressive was the cheapest for me. Insured with Liberty Mutual before.

  11. Cynthia Miles

    I’m looking for cheaper coverage. Went with Safeco for my RAV4 and cut my rates about $100 a year.