View 2002 Toyota RAV4 Insurance Quotes

Looking for better auto insurance rates for your Toyota RAV4? Finding better insurance prices for your Toyota RAV4 can turn out to be a painful process, but you can follow a few tricks to save time.

There is a right way and a wrong way to shop for auto insurance and we’ll show you the proper way to get price quotes for a new or used Toyota and find the lowest possible price.

Consumers should take time to shop coverage around yearly because prices are adjusted regularly by insurance companies. Despite the fact that you may have had the best price on RAV4 insurance last year you can probably find a better rate now. You can find a lot of misleading information regarding auto insurance on the internet, but in just a couple of minutes you can learn the easiest ways to slash your auto insurance rates.

Shopping for affordable car insurance coverage can be fairly easy. If you have a policy now or are looking for a new policy, you can use these tips to find the best rates while maintaining coverages. Drivers only need an understanding of the most effective way to compare company rates online.

The fastest way that we advise to compare car insurance rates is to know all the major auto insurance companies provide online access to compare rate quotes. All consumers are required to do is provide a small amount of information including how many miles driven, how much school you completed, what you do for a living, and driver ages. Your details gets sent immediately to insurance companies and you receive quotes instantly to find the best rate.

To compare rates for your Toyota RAV4 now, click here and see if a lower rate is available.

Insurance coverage savings promises

Consumers can’t escape the ads that promise big savings by companies like State Farm, Allstate and GEICO. They all tend to make the same promise about how much you will save if you switch your insurance coverage policy to them.

But how can every company give you a lower rate? It’s all in the wording.

Insurance companies give the cheapest rates for a prospective insured that will generate a profit. A good example of a driver they prefer might be described as a mature driver, has no prior claims, and drives newer vehicles. Any new insured who fits that profile will get a cheap rate quote and therefore will cut their rates if they switch.

Drivers who fall short of this ideal profile may be required to pay higher rates and this results in the customer not purchasing. The trick companies use is to say “people who switch” not “everyone who quotes” save that much. That is how companies can lure you into getting a quote.

This really drives home the point why drivers should get as many free insurance quotes as possible. It’s just not possible to know which company will have better premium rates than you’re paying now.

Eight things that determine your insurance costs

Smart consumers have a good feel for the rating factors that help calculate your premiums. If you have a feel for what influences your rates, this empowers consumers to make smart changes that can help you get lower insurance prices.

The following are some of the things companies use to determine your prices.

  • Your occupation can affect prices – Do you work in a high-stress field? Careers like lawyers, business owners and emergency personnel tend to pay higher average rates because of intense work situations and incredibly demanding work hours. On the other hand, professions such as farmers, students and retirees get better rates on RAV4 insurance.
  • Tickets and citations cost more than a fine – Having just one speeding ticket or other violation can bump up the cost by as much as twenty percent. Drivers with clean records get better rates as compared to those with violations. Drivers who have gotten serious citations such as hit and run, DWI or reckless driving convictions may be required to maintain a SR-22 with their state’s licensing department in order to keep their license.
  • Drive lots and pay more – The more you drive in a year the more you’ll pay to insure it. A lot of insurance companies calculate prices based upon how the vehicle is primarily used. Cars not used for work or commuting receive lower rates than vehicles that have high annual mileage. Improper usage on your RAV4 is throwing money out the window. Ask your agent if your declarations sheet properly reflects annual mileage.
  • Discounts for theft deterrents – Selecting a car model with advanced anti-theft systems can help lower your rates. Theft deterrent systems such as OnStar found on GM vehicles, advanced tracking like LoJack, and vehicle immobilization systems all aid in stopping your car from being stolen.
  • Teenage vs. older drivers – Young drivers are statistically proven to be more careless behind the wheel therefore insurance rates are much higher. Adding a first-time driver to your insurance policy can be quite pricey. Older people are viewed as being more responsible, tend to file fewer claims and tend to be get fewer driving tickets.
  • Safer vehicles are cheaper to insure – Safer cars get lower rates. The safest vehicles have better occupant injury protection and lower rates of occupant injuries means less claims paid and thus lower rates.
  • Do you need those extra coverages? – There are a ton of optional add-on coverages that may not really be needed on your RAV4 policy. Things like roadside assistance, towing, and extra life insurance coverage are some examples. They may seem like a good idea at first, but your needs may have changed so get rid of them and save.
  • Do you really need to file that insurance claims? – Car insurance companies generally give better rates to policyholders who file claims infrequently. If you file claims often, you can definitely plan on increased rates or even have your policy non-renewed. Auto insurance is intended for major claims that would cause financial hardship.

Auto insurance discounts are available to slash your rates

Companies that sell car insurance don’t always publicize every disount available in an easy-to-find place, so we researched some of the best known and also the lesser-known auto insurance savings. If you’re not getting every credit available, it’s possible you qualify for a lower rate.

  • New Vehicle Savings – Buying a new car model may earn a small discount because new vehicles are generally safer.
  • Theft Deterent – Cars with anti-theft systems are stolen with less frequency and therefore earn up to a 10% discount.
  • Discount for Life Insurance – Insurance carriers who offer life insurance give a lower rate if you buy life insurance.
  • Driving Data Discount – Insureds who allow their insurance company to look at driving manner by using a telematics device in their vehicle like Drivewise from Allstate or In-Drive from State Farm may get a rate reduction if they are good drivers.
  • Safety Course Discount – Successfully completing a safe driver class may get you a small discount and easily recoup the cost of the course.
  • Government Employees – Having worked for a branch of the government can save as much as 8% on RAV4 insurance with select insurance companies.
  • Payment Discounts – By paying your policy upfront rather than paying monthly you may reduce your total bill.
  • No Charge for an Accident – This isn’t a discount exactly, but companies like Progressive, Allstate, and GEICO will forgive one accident without raising rates if you are claim-free prior to the accident.
  • Passive Restraints – Cars that have air bags or motorized seat belts can qualify for discounts of 20 to 30 percent.

One last thing about discounts, some of the credits will not apply to all coverage premiums. Some only apply to individual premiums such as comp or med pay. So even though it sounds like all the discounts add up to a free policy, it doesn’t quite work that way.

To view insurance companies offering auto insurance discounts, click this link.

Everyone needs different insurance coverage coverages

When buying proper insurance coverage, there really is not a perfect coverage plan. Your needs are not the same as everyone else’s.

For instance, these questions might help in determining if you could use an agent’s help.

  • What is covered by UM/UIM coverage?
  • Can my teen driver be rated on a liability-only vehicle?
  • Do I have coverage for damage caused while driving under the influence?
  • When should I remove comp and collision on my 2002 Toyota RAV4?
  • Can I rent a car in Mexico?
  • Does my policy cover my teen driver if they drive my company car?

If it’s difficult to answer those questions but one or more may apply to you, then you may want to think about talking to a licensed agent. If you don’t have a local agent, take a second and complete this form. It only takes a few minutes and may give you better protection.

Auto insurance coverage information

Having a good grasp of your policy aids in choosing the right coverages at the best deductibles and correct limits. Policy terminology can be difficult to understand and even agents have difficulty translating policy wording.

Auto liability insurance

Liability insurance can cover damages or injuries you inflict on other’s property or people. It protects you against other people’s claims. Liability doesn’t cover your own vehicle damage or injuries.

Split limit liability has three limits of coverage: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You commonly see liability limits of 100/300/100 that translate to $100,000 in coverage for each person’s injuries, a limit of $300,000 in injury protection per accident, and property damage coverage for $100,000. Some companies may use a combined limit that pays claims from the same limit and claims can be made without the split limit restrictions.

Liability coverage protects against claims like emergency aid, repair costs for stationary objects, pain and suffering and legal defense fees. The amount of liability coverage you purchase is a decision to put some thought into, but you should buy as large an amount as possible.

Comprehensive (Other than Collision)

This will pay to fix damage from a wide range of events other than collision. You first must pay your deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive can pay for claims such as damage from a tornado or hurricane, theft, a broken windshield, hitting a bird and a tree branch falling on your vehicle. The highest amount you’ll receive from a claim is the actual cash value, so if your deductible is as high as the vehicle’s value consider removing comprehensive coverage.

Collision protection

This pays to fix your vehicle from damage resulting from a collision with a stationary object or other vehicle. You have to pay a deductible then your collision coverage will kick in.

Collision coverage pays for claims such as sustaining damage from a pot hole, colliding with a tree, colliding with another moving vehicle, rolling your car and sideswiping another vehicle. Collision is rather expensive coverage, so consider removing coverage from older vehicles. It’s also possible to bump up the deductible to save money on collision insurance.

Medical expense insurance

Medical payments and Personal Injury Protection insurance reimburse you for expenses for doctor visits, chiropractic care, EMT expenses, nursing services and pain medications. They are often used in conjunction with a health insurance plan or if you lack health insurance entirely. Coverage applies to all vehicle occupants and will also cover any family member struck as a pedestrian. Personal Injury Protection is not universally available but can be used in place of medical payments coverage

Protection from uninsured/underinsured drivers

Your UM/UIM coverage protects you and your vehicle when the “other guys” either are underinsured or have no liability coverage at all. Covered losses include injuries to you and your family as well as damage to your 2002 Toyota RAV4.

Because many people only purchase the least amount of liability that is required, their limits can quickly be used up. This is the reason having UM/UIM coverage should not be overlooked. Normally your uninsured/underinsured motorist coverages are set the same as your liablity limits.

In any little way, save everyday

While you’re price shopping online, it’s a bad idea to skimp on critical coverages to save a buck or two. There have been many situations where consumers will sacrifice full coverage only to find out that they should have had better coverage. Your aim should be to purchase a proper amount of coverage at a price you can afford while not skimping on critical coverages.

Affordable 2002 Toyota RAV4 insurance is available from both online companies and also from your neighborhood agents, and you should be comparing both so you have a total pricing picture. Some insurance providers do not provide rates over the internet and many times these regional insurance providers work with independent agencies.

Drivers who switch companies do it for many reasons like policy cancellation, an unsatisfactory settlement offer, policy non-renewal or unfair underwriting practices. Whatever your reason, finding a great new company can be easy and end up saving you some money.

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Comments About 2002 Toyota RAV4 Insurance

  1. Ivonne Reese

    Does 21st Century have low rates for teen drivers?

  2. Yuko Newman

    I’m in Parkersburg, WV and need high risk coverage. Help!

  3. Francie Ochoa

    Thanks for putting this site together. Proud to be from Cleveland, Ohio. I compared lots of rates. Saved about $20 a month. Progressive was the best choice for me. Highly recommended. I only have liability coverage on it.

  4. Elwanda Kaufman

    Does 21st Century offer new car replacement?

  5. Cordie Bartlett

    Quoted with USAA for my RAV4 and saved around $100 a year. Insured with Nationwide before. Switched homeowners coverage too.

  6. Jamie Horne

    Just my two cents. Found cheapest coverage with GMAC for my Toyota and saved about $100 a year. I have kids on my policy, too. Not sure if rates are cheaper online or through an agent.

  7. Isabelle Williamson

    It all costs too much. I live on the south side of Shreveport, LA. I got free quotes with American Family, Sentry, and some smaller one I can’t remember the name of for my 2002 Toyota RAV4 and I think I saved about $20 each month. I have kids on my policy, too. Book value doesn’t justify full coverage anymore.

  8. Jon Vinson

    I live south of Jacksonville, FL. I got free prices from AAA, Sentry, and some smaller one I can’t remember the name of for my Toyota and saved $74 a year. Left Erie to switch. Not sure about claim service.

  9. Aldo Hebert

    I’m looking for cheaper coverage. From north side of Nashua, NH. I got free quotes with GEICO, Amica, and some I forget for my Toyota and cut my rates about $110 a year. Ask about discounts. I dropped full coverage awhile back.

  10. Pasty Swanson

    Will State Farm raise rates if I file a claim?

  11. Angel Madden

    Cheaper car insurance is a myth. Quoted with GMAC for my Toyota and saved about $60 a year. Insured with Amica before. Highly recommended. I don’t put full coverage on it.

  12. Alane Valencia

    I’m in Saint Paul, MN. Quoted with AIG Insurance, Safeco, and USAA for my 2002 Toyota RAV4 and saved about $80 a year. I have a teen driver too.