Lower Your 1998 Toyota RAV4 Insurance Rates

Looking for better car insurance rates for your Toyota RAV4? Finding better insurance prices for a new or used Toyota RAV4 can normally be difficult, but you can follow the following methods to make it easier.

There is a right way and a wrong way to shop for car insurance and we’ll show you the best way to get price quotes on a Toyota and locate the lowest price.

How to buy car insurance

Reducing your 1998 Toyota RAV4 insurance rates can be surprisingly simple. All that’s required is to invest a few minutes to compare free insurance coverage quotes from online providers. You can get a good selection of rate quotes using one of these methods.

  1. The fastest and easiest way consumers can make multiple comparisons is to use a rate comparison form (click to open form in new window). This style of form saves time by eliminating separate forms for every car insurance company. A single form gets rate comparisons direct from many companies. Recommended for those who want to invest the least amount of time.
  2. A slightly less efficient method to analyze rates is spending the time to visit each individual company website and complete a new quote form. For examples sake, we’ll assume you want to compare Progressive, 21st Century and GEICO. In order to get each rate, you would have to go to every website and enter your policy data, which is not fast way to get rate quotes. To view a list of companies in your area, click here.

It doesn’t matter which method you choose, just double check that you are using identical quote information for each comparison quote. If you compare different data you will not be able to determine which rate is truly the best.

Tailor your insurance coverage coverage to you

When choosing adequate coverage, there really is no best way to insure your cars. Your needs are not the same as everyone else’s.

For instance, these questions may help highlight if your insurance needs might need professional guidance.

  • When should I not file a claim?
  • Is pleasure use cheaper than using my 1998 Toyota RAV4 to commute?
  • What companies insure drivers after a DUI or DWI?
  • Why do I need rental car insurance?
  • Why am I be forced to buy a membership to get insurance from some companies?
  • When can I cancel my policy?
  • Is my 1998 Toyota RAV4 covered for flood damage?
  • Will I be non-renewed for getting a DUI or other conviction?
  • Should I buy full coverage?
  • Do I need roadside assistance coverage?

If it’s difficult to answer those questions, you may need to chat with an agent. If you want to speak to an agent in your area, take a second and complete this form. It only takes a few minutes and can provide invaluable advice.

Insurance coverages explained

Learning about specific coverages of insurance helps when choosing the best coverages and the correct deductibles and limits. Policy terminology can be ambiguous and nobody wants to actually read their policy.

Collision coverage

Collision insurance pays for damage to your RAV4 caused by collision with another vehicle or an object, but not an animal. You have to pay a deductible and then insurance will cover the remainder.

Collision coverage protects against things such as colliding with another moving vehicle, crashing into a building, rolling your car, colliding with a tree and crashing into a ditch. Collision is rather expensive coverage, so analyze the benefit of dropping coverage from lower value vehicles. You can also choose a higher deductible to save money on collision insurance.

Coverage for medical payments

Personal Injury Protection (PIP) and medical payments coverage provide coverage for immediate expenses like chiropractic care, doctor visits, rehabilitation expenses, nursing services and EMT expenses. They can be utilized in addition to your health insurance plan or if you do not have health coverage. Medical payments and PIP cover not only the driver but also the vehicle occupants and also covers being hit by a car walking across the street. Personal injury protection coverage is not available in all states and may carry a deductible

Uninsured and underinsured coverage

This coverage protects you and your vehicle’s occupants from other drivers when they either have no liability insurance or not enough. It can pay for hospital bills for your injuries as well as damage to your Toyota RAV4.

Because many people only purchase the least amount of liability that is required, it doesn’t take a major accident to exceed their coverage limits. So UM/UIM coverage should not be overlooked. Normally these coverages are set the same as your liablity limits.

Auto liability

This protects you from damages or injuries you inflict on other’s property or people by causing an accident. This insurance protects YOU from claims by other people, and doesn’t cover damage sustained by your vehicle in an accident.

Split limit liability has three limits of coverage: per person bodily injury, per accident bodily injury, and a property damage limit. You commonly see liability limits of 100/300/100 which stand for a $100,000 limit per person for injuries, a total of $300,000 of bodily injury coverage per accident, and property damage coverage for $100,000. Occasionally you may see a combined limit which limits claims to one amount rather than limiting it on a per person basis.

Liability coverage pays for claims such as medical expenses, loss of income, court costs and bail bonds. How much liability should you purchase? That is up to you, but you should buy as high a limit as you can afford.

Comprehensive coverages

Comprehensive insurance coverage pays for damage OTHER than collision with another vehicle or object. A deductible will apply then your comprehensive coverage will pay.

Comprehensive coverage protects against claims like rock chips in glass, hail damage, fire damage and damage from flooding. The highest amount you’ll receive from a claim is the market value of your vehicle, so if the vehicle’s value is low it’s not worth carrying full coverage.

Comments About 1998 Toyota RAV4 Insurance

  1. Berenice Duke

    I’ve insured with GEICO for a long time. Pretty cheap in Tacoma, WA.

  2. Charmaine Floyd

    I live west of Cranston, RI. I got free prices from Hartford, American Family, Nationwide, and a couple others for my Toyota and saved about $60 a year. Insured with Encompass before. Not worth enough to pay for comprehensive and collision.

  3. Felecia Dickerson

    Checking in from Denver, Colorado. Quoted with Amica, Safeco, and Western Auto Insurance for my Toyota and saved just over $90 a year. Insured with Encompass before. It’s still not cheap enough. I don’t insure for physical damage though.

  4. Filomena Sweet

    IMHO Honolulu, HI seems to have good rates from State Farm.

  5. Alta Howell

    I’m from Phoenix, AZ. Don’t remember every company but I ended up saving about $10 each month. It was easy to get rates. I just carry liability insurance.

  6. Annelle Jennings

    Not sure if this is cheap. Checking in from Boise, ID. Got prices from GEICO, American Family, Erie, and GMAC for my 1998 Toyota RAV4 and saved just over $80 a year. They offer free online rate quotes.

  7. German Hewitt

    Not sure if this is cheap. I’m from Shreveport, Louisiana. Got car insurance rates from Progressive, AAA, and Esurance for my 1998 Toyota RAV4 and saved $66 a year. I get multi-vehicle and multi-policy discounts.

  8. Faviola Reyes

    Will Progressive cancel if I have a claim?

  9. Maribeth Humphrey

    Live in Saint Louis, MO. I don’t recall every quote but I ended up saving about $20 each month. My new agent seems to be really good.

  10. Brandi Ashley

    Good detail in your article. Live in Indianapolis, Indiana. Not sure of all the companies but I ended up saving about $20 each month. Are quotes cheaper online? I’m thinking about dropping full coverage though.