View 2001 Toyota RAV4 Insurance Rates

Trying to find lower insurance rates for your Toyota RAV4? Searching for low-cost insurance for a Toyota RAV4 can be an all-consuming task, but you can learn our insurance buying tips to make it easier.

There are more efficient ways to find insurance online so we’re going to tell you the best way to compare rates for your Toyota and obtain the lowest possible price from both online companies and local agents.

It’s a good idea to do rate comparisons occasionally because prices go up and down regularly. If you had the lowest quotes for RAV4 insurance two years ago there is a good chance you can find better rates now. Ignore everything you know about insurance because you’re going to learn one of the quickest ways to find lower rates on insurance.

Finding affordable protection is quite easy. If you have a policy now or need a new policy, you can learn to get lower rates and still get good coverage. Drivers only need to know the best way to shop their coverage around online.

Shop auto insurance online

Shopping for lower auto insurance rates can take time and effort if you don’t utilize the best way to get rate quotes. You can spend countless hours talking about coverages with agents in your area, or you could save time and use online quoting to accomplish the same thing much quicker.

All the larger companies participate in a marketplace where insurance shoppers submit their information once, and each company returns a competitive quote. This prevents consumers from doing quote requests to each individual auto insurance company.

To fill out one form to compare multiple rates now click here to start a free quote.

The only drawback to comparing rates this way is you can’t choose the providers to get quotes from. So if you want to select specific providers to request quotes from, we put together a list of the cheapest auto insurance companies in your area. Click here for list of insurance companies.

Whichever way you choose to compare rates, double check that you are using apples-to-apples quote data for every company. If the quotes have higher or lower deductibles you will not be able to determine the lowest rate for your Toyota RAV4.

Take policy discounts and save

Insurance can be prohibitively expensive, but there’s a good chance there are discounts that many people don’t even know exist. Certain discounts will be triggered automatically at the time of purchase, but lesser-known reductions have to be specially asked for before you get the savings.

  • Fewer Miles Equal More Savings – Low mileage vehicles could be rewarded with slightly better insurancerates than normal.
  • Safety Course Discount – Passing a driver safety course could earn you a small percentage discount if you qualify.
  • Waiver for an Accident – This isn’t a discount exactly, but companies like Progressive, Allstate, and Liberty Mutual may permit one accident before raising your premiums with the catch being you have to be claim-free for a set time period.
  • Senior Citizen Rates – Mature drivers can get a small decrease in premiums for RAV4 insurance.
  • Discount for Home Ownership – Owning a home can get you a discount because of the fact that having a home requires a higher level of personal finance.

We need to note that most of the big mark downs will not be given to all coverage premiums. Most only cut the cost of specific coverages such as comprehensive or collision. So even though you would think having all the discounts means you get insurance for free, you aren’t that lucky. Any qualifying discounts will help reduce your policy premium.

A list of insurance companies and a selection of discounts can be found below.

  • State Farm policyholders can earn discounts including accident-free, multiple policy, Steer Clear safe driver discount, multiple autos, passive restraint, driver’s education, and good driver.
  • GEICO includes discounts for daytime running lights, seat belt use, membership and employees, defensive driver, multi-policy, and anti-lock brakes.
  • Progressive may have discounts that include online quote discount, homeowner, good student, continuous coverage, multi-vehicle, and multi-policy.
  • 21st Century discounts include student driver, teen driver, good student, air bags, and driver training.
  • American Family may offer discounts for good student, accident-free, TimeAway discount, bundled insurance, and air bags.
  • The Hartford may include discounts for good student, air bag, anti-theft, vehicle fuel type, defensive driver, driver training, and bundle.
  • AAA offers discounts including good driver, education and occupation, pay-in-full, anti-theft, multi-car, and AAA membership discount.

When getting free car insurance quotes, it’s a good idea to each insurance company which discounts they offer. Some credits might not be offered in your area. To find companies with discount rates, click this link.

Which policy gives me the best coverage?

When choosing the best car insurance coverage for your personal vehicles, there really is no single plan that fits everyone. Coverage needs to be tailored to your specific needs.

For example, these questions might help in determining if your situation could use an agent’s help.

  • What is the rate difference between pleasure use and commuting?
  • Is rental equipment covered for theft or damage?
  • Do I have coverage when pulling a U-Haul trailer?
  • Am I covered if hit by an uninsured driver?
  • What happens if I owe more than my 2001 Toyota RAV4 is worth?
  • Will I lose any money if I cancel my policy before it expires?

If you don’t know the answers to these questions, you may need to chat with an insurance agent. If you want to speak to an agent in your area, simply complete this short form. It’s fast, free and can provide invaluable advice.

The Toyota RAV4 insurance rate equation

One of the most helpful ways to save on car insurance is to to have a grasp of the rating factors that help determine your policy premiums. When you know what positively or negatively controls the rates you pay, this empowers consumers to make smart changes that can earn you cheaper rates.

Shown below are a partial list of the pieces car insurance companies consider when setting your rate level.

  • Careless driving leads to higher prices – Attentive drivers get better prices as compared to careless drivers. Getting just one ticket could increase your next policy renewal by as much as twenty percent. Drivers who have gotten license-revoking violations like DWI, reckless driving or hit and run convictions may face state-mandated requirements to complete a SR-22 with their state DMV in order to drive a vehicle legally.
  • Lower rates come with age – Youthful drivers are known to be careless and easily distracted when behind the wheel and because of this, their car insurance rates are much higher. Older people are more cautious drivers, cause fewer claims and accidents and tend to be get fewer driving tickets.
  • Continuous car insurance coverage lowers premiums – Not having insurance is a big no-no and you will pay a penalty because you let your insurance lapse for non-payment. And not only will insurance be more expensive, not being able to provide proof of insurance might get you a license revocation or jail time. You could then be forced to prove you have insurance by filing a SR-22 with your state DMV.
  • Raising coverage deductibles lowers rates – Physical damage protection, termed comprehensive and collision coverage on your policy, is used to repair damage to your Toyota. Examples of some claims that would be covered would be a broken windshield, vandalism, and windstorm damage. Comp and collision deductibles represent how much money you are willing to pay if a covered claim is submitted. The more expense you choose to pay out-of-pocket, the lower your rates will be for RAV4 insurance.
  • Safety first – Safer cars get lower rates. Vehicles engineered for safety reduce occupant injuries and reduced instances of injuries means less claims paid which can mean better rates for you.
  • How many coverages with the same company – Lots of companies will give a discount to clients that buy multiple policies such as combining an auto and homeowners policy. Even if you qualify for this discount already, drivers will still want to compare other insurance prices to make sure you are getting the best deal. It’s possible to still find better rates even if you have your coverage with different companies

Auto insurance 101

Knowing the specifics of car insurance can help you determine appropriate coverage for your vehicles. The terms used in a policy can be confusing and coverage can change by endorsement.

Collision coverages – Collision coverage pays for damage to your RAV4 caused by collision with another car or object. You first must pay a deductible and then insurance will cover the remainder.

Collision coverage protects against things like hitting a parking meter, hitting a mailbox, sustaining damage from a pot hole, damaging your car on a curb and driving through your garage door. Collision is rather expensive coverage, so analyze the benefit of dropping coverage from older vehicles. Drivers also have the option to raise the deductible in order to get cheaper collision rates.

UM/UIM Coverage – Uninsured or Underinsured Motorist coverage gives you protection from other motorists when they do not carry enough liability coverage. Covered claims include medical payments for you and your occupants and damage to your Toyota RAV4.

Since a lot of drivers carry very low liability coverage limits, their limits can quickly be used up. For this reason, having high UM/UIM coverages is very important. Usually these limits are identical to your policy’s liability coverage.

Auto liability – This can cover damages or injuries you inflict on people or other property. It protects you against other people’s claims. Liability doesn’t cover damage sustained by your vehicle in an accident.

Coverage consists of three different limits, bodily injury per person, bodily injury per accident and property damage. Your policy might show liability limits of 25/50/25 that means you have $25,000 bodily injury coverage, $50,000 for the entire accident, and $25,000 of coverage for damaged propery. Alternatively, you may have one limit called combined single limit (CSL) that pays claims from the same limit with no separate limits for injury or property damage.

Liability coverage protects against claims such as court costs, loss of income and attorney fees. How much liability should you purchase? That is a decision to put some thought into, but you should buy higher limits if possible.

Medical costs insurance – Coverage for medical payments and/or PIP provide coverage for short-term medical expenses for things like prosthetic devices, doctor visits, nursing services and funeral costs. They are often used to cover expenses not covered by your health insurance policy or if you do not have health coverage. Medical payments and PIP cover you and your occupants in addition to any family member struck as a pedestrian. PIP is only offered in select states and gives slightly broader coverage than med pay

Comprehensive or Other Than Collision – Comprehensive insurance coverage pays to fix your vehicle from damage OTHER than collision with another vehicle or object. You first must pay your deductible then your comprehensive coverage will pay.

Comprehensive coverage protects against things such as damage from getting keyed, rock chips in glass, falling objects and theft. The maximum payout your car insurance company will pay is the market value of your vehicle, so if the vehicle is not worth much consider dropping full coverage.

Buy online or local, you save

Insureds change insurance companies for many reasons like policy cancellation, lack of trust in their agent, policy non-renewal or denial of a claim. Regardless of your reason for switching companies, choosing a new company is easier than you think.

Some insurance companies may not provide rates over the internet smaller companies only sell coverage through independent agencies. Lower-priced 2001 Toyota RAV4 insurance can be purchased both online and from local agencies, so compare prices from both to have the best rate selection.

You just read a lot of tips how to reduce 2001 Toyota RAV4 insurance rates online. It’s most important to understand that the more providers you compare, the better your chances of lowering your car insurance rates. Consumers could even find that the lowest rates are with some of the smallest insurance companies.

For more information, feel free to browse these articles:

Comments About 2001 Toyota RAV4 Insurance

  1. Sherry Atkins

    Does Utah have minimum liability laws?

  2. Arlinda Bolton

    I think I’m paying too much. Proud to be from Rutland, VT. I quoted with Liberty Mutual, Auto-Owners, MetLife, and a couple others for my 2001 Toyota RAV4 and I think I am saving around $30 each month. Thankfully I have a good driving record. Wish I didn’t have to insure at all.

  3. Elisha Gregory

    All companies are crooks. I live west of Greensboro, NC. Got car insurance quotes from Auto-Owners, Sentry, and a few others for my Toyota and saved just over $110 a year. It’s still not cheap enough. I don’t put full coverage on it.

  4. Librada Keller

    Will Allstate raise rates for a small claim?

  5. Earl Melton

    Like your site, BTW. Went with Eastwood for my RAV4 and cut my rates about $100 a year. Ask about discounts.

  6. Edward Wilson

    Is Allstate cheaper than GEICO in Pittsburgh, PA?

  7. Lonnie Leblanc

    I got quite a few price quotes for a 2001 Toyota RAV4 in San Jose, CA. Ended up at about $110 every six months with Amica. Even increased coverage a bit. I got a quote from their website.

  8. Jessie Baker

    IT’S ALL TOO EXPENSIVE! From a town just southwest of Tucson, AZ. Got quotes with 21st Century, Eastwood, and Hartford for my RAV4 and saved $114 a year. Left American Family to switch.

  9. Jeromy Jenkins

    Too expensive. I ride a bike.

  10. Bryan Kerr

    When do I drop full coverage?

  11. Josiah Clayton

    Not sure if this is cheap. Proud to be from Kailua, HI. Don’t remember every company but I ended up saving about $20 each month.

  12. Tommie Nichols

    Cheap is relative. I’m in Bismarck, ND. I got free prices from 21st Century, Auto-Owners, and Esurance for my RAV4 and am saving around $90 a year. Switched homeowners coverage too. I used their website to get prices. Just liability coverage since it’s getting old.

  13. Tereasa Hopper

    Thanks for putting this site together. I live south of Rio Rancho, NM. Received quotes with State Farm, Amica, and some I forget for my Toyota and saved around $90 a year.