2000 Toyota RAV4 Insurance Rates

Searching for better insurance rates for your Toyota RAV4? Having to pay for overpriced Toyota RAV4 insurance can diminish your checking account and maybe even restrict other spending. Comparing price quotes can help to make ends meet.

You have multiple auto insurance companies to insure vehicles with, and even though it’s nice to have multiple companies, it can be more challenging to locate the cheapest rates.

You should take the time to do rate comparisons quite often since insurance prices change frequently. Despite the fact that you may have had the lowest rates on RAV4 coverage a few years ago you can probably find a lower rate today. Ignore everything you know about insurance because you’re going to get a crash course in the proper way to save money, get proper coverage and the best rates.

Finding affordable coverage is quite easy. Basically, every vehicle owner who shops for auto insurance will most likely be able to cut their insurance bill. Although consumers benefit from understanding the way insurance companies compete online because it can help you find the best coverage.

Cheapest insurance rate quotes

Shopping for lower insurance rates can be a lot of work if you don’t know the best way to get rate quotes. You could waste time driving to agents in your area, or you could save time and use online quotes for quick rates.

Many insurance companies participate in a marketplace that enables customers to send in one quote, and at least one company can provide price quotes determined by their information. This eliminates the need for quote requests for every insurance company.

To compare rates using this form now click here to open in new window.

One minor caviat to doing it this way is you don’t know exactly which providers to get quotes from. If you prefer to choose specific providers to compare prices, we have a page of insurance companies in your area. Click here to view list.

Whichever way you use, make absolute certain that you use the exact same coverages for each price quote. If each company quotes unequal deductibles or liability limits it’s not possible to get a fair rate comparison. Just slight variations in insurance coverages could skew the results. And when comparing insurance rates, know that getting more free quotes will enable you to find the best price. Some insurance companies are not set up to provide rate quotes online, so it’s important to compare rates from the smaller companies as well.

More discounts mean lower-cost premiums

Some insurers don’t always advertise every disount available very clearly, so the following is a list of some of the more common as well as the least known savings tricks you should be using when you buy insurance online.

• Pay Upfront and Save – If you pay your entire premium ahead of time instead of making monthly payments you can actually save on your bill.
• Sign Online – A few larger online companies will discount your bill up to fifty bucks shop insurance online.
• Memberships – Affiliation with qualifying clubs or civic groups may earn a discount on your policy.
• ABS Braking Discount – Vehicles that have anti-lock braking systems have fewer accidents and therefore earn up to a 10% discount.
• Discount for Life Insurance – Select insurance companies reward you with better rates if you take out some life insurance too.

It’s important to understand that many deductions do not apply to the entire policy premium. Most only apply to individual premiums such as comprehensive or collision. Even though it appears you would end up receiving a 100% discount, you won’t be that lucky.

Companies and some of their more popular discounts are outlined below.

• State Farm offers discounts including driver’s education, good driver, Drive Safe & Save, passive restraint, accident-free, defensive driving training, and safe vehicle.
• Liberty Mutual offers premium reductions for good student, new vehicle discount, hybrid vehicle, newly retired, and teen driver discount.
• American Family has discounts for Steer into Savings, good driver, TimeAway discount, bundled insurance, air bags, multi-vehicle, and accident-free.
• Progressive includes discounts for homeowner, good student, online quote discount, multi-vehicle, and online signing.
• Farmers Insurance may offer discounts for business and professional, electronic funds transfer, early shopping, switch companies, pay in full, multi-car, and bundle discounts.
• Auto-Owners Insurance policyholders can earn discounts including mature driver, air bags, anti-theft, paid in full, multiple vehicles, and paperless.
• SAFECO discounts include drive less, homeowner, anti-theft, teen safety rewards, and safe driver.

When quoting, ask each insurance company to apply every possible discount. Depending on the company, some discounts may not be available in your area.

It’s not one size fits all

When choosing the best insurance coverage, there isn’t really a “best” method to buy coverage. Coverage needs to be tailored to your specific needs so this has to be addressed. For instance, these questions may help you determine whether or not you might need professional guidance.

• Should I sign the liability waiver when renting a car?
• How do I buy GAP insurance?
• What is the rate difference between pleasure use and commuting?
• Can I drive in Mexico and have coverage?
• Am I covered if I hit my neighbor’s mailbox?
• Do I have coverage when pulling a U-Haul trailer?
• Who is covered when they drive my 2000 Toyota RAV4?

If it’s difficult to answer those questions but you think they might apply to your situation, 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 or go to this page to view a list of companies.

What auto insurance coverages do you need?

Knowing the specifics of your policy can be of help when determining the right coverages and the correct deductibles and limits. The coverage terms in a policy can be impossible to understand and coverage can change by endorsement. These are typical coverage types offered by auto insurance companies.

Medical payments coverage and PIP

Personal Injury Protection (PIP) and medical payments coverage provide coverage for immediate expenses for things like chiropractic care, pain medications, funeral costs, ambulance fees and surgery. They are often utilized in addition to your health insurance program or if you do not have health coverage. Coverage applies to not only the driver but also the vehicle occupants as well as being hit by a car walking across the street. Personal injury protection coverage is not an option in every state and may carry a deductible

Uninsured/Underinsured Motorist coverage

This protects you and your vehicle’s occupants when the “other guys” either are underinsured or have no liability coverage at all. This coverage pays for injuries to you and your family as well as your vehicle’s damage.

Because many people carry very low liability coverage limits, it doesn’t take a major accident to exceed their coverage limits. That’s why carrying high Uninsured/Underinsured Motorist coverage is important protection for you and your family.

Coverage for liability

This coverage will cover damages or injuries you inflict on a person or their property in an accident. This coverage protects you from claims by other people, and does not provide coverage for your injuries or vehicle damage.

Split limit liability has three limits of coverage: per person bodily injury, per accident bodily injury, and a property damage limit. Your policy might show limits of 50/100/50 that translate to $50,000 in coverage for each person’s injuries, a per accident bodily injury limit of $100,000, and property damage coverage for $50,000.

Liability coverage pays for things like medical expenses, court costs and funeral expenses. How much liability coverage do you need? That is up to you, but you should buy as high a limit as you can afford.

Comprehensive coverage

This pays to fix your vehicle from damage OTHER than collision with another vehicle or object. You need to pay your deductible first and then insurance will cover the rest of the damage.

Comprehensive insurance covers things like hitting a deer, fire damage, a broken windshield and damage from getting keyed. The highest amount you can receive from a comprehensive claim is the actual cash value, so if the vehicle is not worth much consider removing comprehensive coverage.

Auto collision coverage

Collision insurance pays to fix your vehicle from damage resulting from a collision with another car or object. You will need to pay your deductible then the remaining damage will be paid by your insurance company.

Collision coverage protects against claims such as colliding with another moving vehicle, damaging your car on a curb, colliding with a tree and hitting a parking meter. Collision coverage makes up a good portion of your premium, so you might think about dropping it from lower value vehicles. Another option is to increase the deductible in order to get cheaper collision rates.