Cheaper 2006 Toyota RAV4 Insurance Quotes

Looking for lower car insurance rates? Shoppers have many options when shopping for low-cost Toyota RAV4 insurance. You can either spend your time struggling with agents trying to get quotes or utilize the internet to make rate comparisons.

There are more efficient ways to buy car insurance and we’ll show you the best way to compare rates for a new or used Toyota and obtain the lowest possible price from both online companies and local agents.

Consumers should take time to do price comparisons before your policy renews because prices tend to go up over time. Even if you think you had the best deal on RAV4 insurance at your last renewal there is a good chance you can find better rates now. Forget all the misinformation about car insurance because I’m going to let you in on the secrets to one of the easiest ways to reduce your cost while improving coverage.

The easiest way to compare rate quotes is to understand most larger insurance companies pay for the opportunity to give rate comparisons. The only thing you need to do is provide details like if a SR-22 is needed, the type of vehicles you drive, your job, and driver details. Your insurance information gets transmitted to multiple top-rated companies and they provide comparison quotes quickly.

Why you might not save $439 a year

Consumers can’t get away from all the ads that promise big savings for switching from the likes of Progressive, Geico, Allstate and State Farm. All the ads state the claim that you can save just by switching to their company.

But how can every company give you a better price? Here is how they do it.

Auto insurance companies have a certain “appetite” for the type of driver that will not have excessive claims. One example of a preferred risk might be described as married and over the age of 30, owns a home, and drives less than 7,500 miles a year. A driver who matches that profile will get low prices and will probably save when switching.

People who fall outside these stringent criteria will be charged more expensive rates which leads to business going elsewhere. If you pay close attention to the ads, they say “drivers that switch” not “everyone who quotes” save the amount stated. That’s the way companies can truthfully state the savings.

That is why you absolutely need to quote coverage with many companies. It’s not possible to predict which company will have the best premium rates.

More discounts mean cheaper premiums

Auto insurance is not an enjoyable expense, but you may be missing some discounts that can dramatically reduce your bill. A few discounts will automatically apply at the time of purchase, but a few must be specially asked for prior to getting the savings.

• Claim Free – Good drivers with no accidents can earn big discounts in comparison with accident-prone drivers.
• Drivers Ed for Students – It’s a good idea to have your young drivers enroll in driver’s education if it’s offered in school.
• Driving Data Discount – People who choose to allow their insurance company to spy on their driving habits by using a telematic data system such as Snapshot from Progressive or Drivewise from Allstate might see lower rates as long as they are good drivers.
• Discounts for Seat Belt Usage – Requiring all passengers to wear their seat belts can save 10% or more on the medical payments or PIP coverage costs.
• Braking Control Discount – Anti-lock brake equipped vehicles can avoid accidents so you can save 10 percent or more.
• Theft Deterent System – Cars, trucks, and SUVs equipped with anti-theft or alarm systems can help prevent theft and earn discounts up to 10% off your car insurance quote.
• Senior Citizens – If you qualify as a senior citizen, you may qualify for lower premium rates on RAV4 insurance.

As a disclaimer on discounts, most discounts do not apply to your bottom line cost. A few only apply to the price of certain insurance coverages like comprehensive or collision. So even though it sounds like it’s possible to get free car insurance, it just doesn’t work that way.

To see auto insurance companies that offer some of these discounts, follow this link.

It’s not one size fits all

When buying the right insurance coverage for your personal vehicles, there really is no best way to insure your cars. Each situation is unique.

For example, these questions might help in determining if your insurance needs might need professional guidance.

• Can I afford to pay high deductible claims out of pocket?
• Do I need rental car coverage?
• If I drive on a suspended license am I covered?
• How does medical payments coverage work?
• Does my insurance cover damage caused when ticketed for reckless driving?
• Will I lose any money if I cancel my policy before it expires?
• Am I covered if I hit a deer?

If you can’t answer these questions but you know they apply to you, you might consider talking to an agent. To find lower rates from a local agent, take a second and complete this form. It is quick, free and can help protect your family.

Auto insurance coverage information

Having a good grasp of your insurance policy helps when choosing the best coverages and proper limits and deductibles. The terms used in a policy can be ambiguous and even agents have difficulty translating policy wording.

Auto liability insurance

Liability insurance can cover injuries or damage you cause to a person or their property in an accident. It protects YOU from claims by other people, and doesn’t cover your injuries or vehicle damage.

It consists of three limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. As an example, you may have values of 100/300/100 which stand for a limit of $100,000 per injured person, a limit of $300,000 in injury protection per accident, and $100,000 of coverage for damaged propery. Occasionally you may see one number which is a combined single limit which limits claims to one amount and claims can be made without the split limit restrictions.

Liability coverage protects against claims such as medical services, attorney fees, repair costs for stationary objects, repair bills for other people’s vehicles and emergency aid. How much liability coverage do you need? That is a decision to put some thought into, but buy as high a limit as you can afford.

Collision protection

Collision coverage pays to fix your vehicle from damage resulting from a collision with a stationary object or other vehicle. You have to pay a deductible and the rest of the damage will be paid by collision coverage.

Collision coverage protects against things like colliding with a tree, scraping a guard rail, colliding with another moving vehicle, driving through your garage door and hitting a mailbox. Paying for collision coverage can be pricey, so consider dropping it from older vehicles. It’s also possible to bump up the deductible to bring the cost down.

Protection from uninsured/underinsured drivers

This protects you and your vehicle when other motorists do not carry enough liability coverage. Covered claims include injuries sustained by your vehicle’s occupants and damage to your 2006 Toyota RAV4.

Due to the fact that many drivers carry very low liability coverage limits, their limits can quickly be used up. That’s why carrying high Uninsured/Underinsured Motorist coverage is very important. Most of the time the UM/UIM limits do not exceed the liability coverage limits.

Medical expense insurance

Personal Injury Protection (PIP) and medical payments coverage provide coverage for expenses for things like prosthetic devices, rehabilitation expenses and pain medications. They are often used in conjunction with a health insurance program or if you do not have health coverage. Coverage applies to not only the driver but also the vehicle occupants and will also cover being hit by a car walking across the street. PIP is not available in all states and may carry a deductible

Comprehensive (Other than Collision)

This will pay to fix damage OTHER than collision with another vehicle or object. You first must pay your deductible and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive coverage pays for claims such as theft, hitting a deer, hail damage, damage from flooding and damage from getting keyed. The maximum amount your insurance company will pay is the cash value of the vehicle, so if your deductible is as high as the vehicle’s value it’s probably time to drop comprehensive insurance.

The bottom line

The cheapest 2006 Toyota RAV4 insurance is definitely available from both online companies and from local agencies, and you need to comparison shop both to get a complete price analysis. There are still a few companies who may not have price quotes online and these regional carriers sell through independent agents.

As you restructure your insurance plan, do not buy less coverage just to save a little money. In many cases, drivers have reduced full coverage and discovered at claim time they didn’t purchase enough coverage. The goal is to purchase plenty of coverage for the lowest price, but do not sacrifice coverage to save money.

Drivers change insurance companies for a variety of reasons including questionable increases in premium, high prices, unfair underwriting practices or even denial of a claim. Regardless of your reason for switching companies, finding a new auto insurance company is less work than it seems.

To learn more, link through to the articles below:

• How to Avoid Staged Accidents (State Farm)
• How Much are Car Insurance Quotes for a Toyota RAV4 in Aurora? (InsuranceAurora.com)
• What are my Rights when Filing a Claim? (Insurance Information Insitute)
• Cellphones, Texting and Driving (iihs.org)
• Distracted Driving Statistics (Insurance Information Insitute)