How Much Does 2011 Toyota RAV4 Insurance Cost?

Locating better insurance prices for your Toyota RAV4 could be a painful process, but you can learn a few tricks and make it easy.

There are both good and bad ways to buy auto insurance so you’re going to learn the quickest way to get price quotes for a new or used Toyota and find the lowest possible price either online or from local insurance agents.

You need to do price comparisons occasionally because auto insurance prices change quite often. Just because you had the lowest price on RAV4 insurance a couple years back you may be paying too much now. Forget anything you know (or think you know) about auto insurance because you’re about to find out how to use the internet to eliminate unnecessary coverages and save money.

How to buy car insurance online

Finding cheaper 2011 Toyota RAV4 car insurance quotes is actually quite simple. Just take time to compare rate quotes to find out which insurance company has the cheapest insurance quotes. You can get a good selection of rate quotes using a couple different methods.

  1. The recommended way to compare a lot of rates at once would be an industry-wide quote request form click here to open form in new window. This style of form keeps you from doing separate quotes for every car insurance company. One quote request gets you coverage quotes from multiple low-cost companies. It’s the fastest way to compare.
  2. A slightly less efficient method to analyze rates requires a visit to each company’s website and fill out their own quote form. For example, we’ll pretend you are doing a rate comparison from Farmers, Progressive and Liberty Mutual. To get each rate you have to spend time on each company’s site and type in your information over and over, which is why the first method is more popular. For a list of companies in your area, click here.

Whichever method you choose, make sure you are using the same coverages on every price quote you get. If you enter different coverage information it will be next to impossible to truly determine the lowest rate.

Car insurance discounts help reduce rates

Properly insuring your vehicles can get expensive, but there’s a good chance there are discounts that can dramatically reduce your bill. Larger premium reductions will be automatically applied when you quote, but some must be requested specifically before they will apply. If you do not check that you are getting every discount possible, you’re paying more than you need to.

  • Discount for Passive Restraints – Cars that have air bags and/or automatic seat belt systems can qualify for discounts of more than 20%.
  • Membership in Organizations – Affiliation with a qualifying organization may earn a discount when getting a insurance quote.
  • Seat Belt Usage – Drivers who always wear seat belts and also require passengers to fasten their seat belts can save up to 15% off PIP or medical payments premium.
  • Military Rewards – Being deployed with a military unit may lower your premium rates slightly.
  • Senior Citizen Rates – Seniors could receive a small decrease in premiums on RAV4 insurance.
  • Multiple Policy Discount – If you combine your auto and home policies and place coverage with the same company you may save over 10 percent off each policy depending on the company.
  • Auto/Life Discount – Larger insurance companies have a small discount if you purchase some life insurance too.

Please keep in mind that most discount credits are not given to the entire cost. Most only reduce the cost of specific coverages such as liability, collision or medical payments. Just because you may think you would end up receiving a 100% discount, you won’t be that lucky.

Larger car insurance companies and their offered discounts are outlined below.

  • Progressive discounts include multi-policy, homeowner, online quote discount, online signing, good student, and multi-vehicle.
  • Farmers Insurance policyholders can earn discounts including switch companies, good student, youthful driver, pay in full, business and professional, mature driver, and bundle discounts.
  • Farm Bureau offers discounts for 55 and retired, good student, multi-vehicle, multi-policy, safe driver, and youthful driver.
  • State Farm includes discounts for safe vehicle, multiple policy, student away at school, anti-theft, and good student.
  • GEICO has savings for good student, seat belt use, multi-policy, five-year accident-free, and federal employee.
  • SAFECO offers premium reductions for homeowner, anti-theft, drive less, accident prevention training, multi-car, and teen safe driver.
  • Liberty Mutual offers discounts including preferred payment discount, good student, multi-car, exclusive group savings, newly retired, teen driver discount, and hybrid vehicle.

Before buying, ask each company the best way to save money. Some discounts might not be offered in your area. If you would like to choose from a list of insurance companies who offer free car insurance quotes, click here.

Which is the best auto insurance?

When it comes to buying the right insurance coverage for your personal vehicles, there is no perfect coverage plan. Your needs are not the same as everyone else’s.

For example, these questions may help you determine whether or not you will benefit from professional help.

  • Is my business laptop covered if it gets stolen from my vehicle?
  • How much liability do I need to cover my assets?
  • What is UM/UIM insurance?
  • What is an SR-22 filing?
  • Do I need replacement cost coverage?
  • Am I covered if hit by an uninsured driver?

If it’s difficult to answer those questions but you know they apply to you, you might consider talking to a licensed agent. To find lower rates from a local agent, fill out this quick form. It only takes a few minutes and may give you better protection.

Auto insurance coverage breakdown

Having a good grasp of auto insurance can be of help when determining the right coverages and the correct deductibles and limits. Policy terminology can be ambiguous and reading a policy is terribly boring.

Comprehensive coverages

This coverage covers damage caused by mother nature, theft, vandalism and other events. You need to pay your deductible first then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage protects against claims like damage from flooding, hitting a deer, damage from a tornado or hurricane and theft. The maximum amount you’ll receive from a claim is the ACV or actual cash value, so if the vehicle is not worth much it’s not worth carrying full coverage.

Collision coverage protection

Collision insurance covers damage to your RAV4 from colliding with another car or object. You will need to pay your deductible and the rest of the damage will be paid by collision coverage.

Collision coverage pays for claims such as driving through your garage door, rolling your car, scraping a guard rail and crashing into a building. Collision coverage makes up a good portion of your premium, so you might think about dropping it from older vehicles. You can also bump up the deductible in order to get cheaper collision rates.

Uninsured and underinsured coverage

This gives you protection when other motorists either are underinsured or have no liability coverage at all. This coverage pays for injuries to you and your family and damage to your Toyota RAV4.

Since a lot of drivers only carry the minimum required liability limits, their limits can quickly be used up. So UM/UIM coverage is important protection for you and your family. Frequently these coverages do not exceed the liability coverage limits.

Coverage for medical payments

Coverage for medical payments and/or PIP reimburse you for expenses like rehabilitation expenses, EMT expenses and nursing services. The coverages can be used to cover expenses not covered by your health insurance plan or if you lack health insurance entirely. Coverage applies to you and your occupants in addition to if you are hit as a while walking down the street. PIP is not an option in every state but can be used in place of medical payments coverage

Liability car insurance

This protects you from damages or injuries you inflict on other people or property that is your fault. This insurance protects YOU against other people’s claims. Liability doesn’t cover damage to your own property or vehicle.

Liability coverage has 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 liability limits of 100/300/100 that translate to $100,000 bodily injury coverage, a total of $300,000 of bodily injury coverage per accident, and a limit of $100,000 paid for damaged property. Another option is one limit called combined single limit (CSL) which combines the three limits into one amount and claims can be made without the split limit restrictions.

Liability insurance covers claims like funeral expenses, medical expenses, loss of income, bail bonds and medical services. How much liability should you purchase? That is a personal decision, but consider buying as much as you can afford.

Comments About 2011 Toyota RAV4 Insurance

  1. Marge Dyer

    I’m in the north part of Madison, WI. I got free quotes with Travelers, Auto-Owners, Liberty Mutual, and Sentry for my Toyota and saved just over $130 a year.

  2. Brandy Hewitt

    I found pretty cheap rate quotes for a 2011 Toyota RAV4 in Las Cruces, New Mexico. Ended up at right around $310 every six months with Auto-Owners. Have a couple speeding tickets too.

  3. Kristie Charles

    This is too expensive. I live in a small town just outside of South Burlington, VT. Can’t remember who all I quoted but I ended up saving about $50 each month. Might find lower rates online.

  4. Maryanne Walsh

    Will State Farm do a SR22 in Norfolk, VA?

  5. Bonita Talley

    Is a custom audio system covered by insurance?

  6. Alfred Yates

    In Green Bay, WI, AIG Insurance had the best rates for my 2011 Toyota RAV4. I have several vehicles insured with them. Not sure if rates are cheaper online or not.

  7. Nenita Chen

    IT’S ALL TOO EXPENSIVE! Quoted with Progressive for my 2011 Toyota RAV4 and saved about $390 a year. It’s easy to compare rates online now.

  8. Elisha Bender

    It all costs too much. I’m in the south part of Pittsburgh, Pennsylvania. Quoted quotes with Mercury, Erie, Allstate, and Auto-Owners for my Toyota and I think I saved around $30 each month. Left Sentry to switch.

  9. Catharine Kirk

    I found cheap 2011 Toyota RAV4 insurance in Greensboro, North Carolina with Allstate.

  10. Trang Perez

    I live just to the south of Fairbanks, AK. Quoted quotes from GEICO, American Family, and Encompass for my Toyota and I think I cut my rates about $50 each month. LOL

  11. Karyl Burks

    Here’s my quote info. I’m from Chesapeake, VA. Got car insurance quotes with Hartford, AAA, Mercury, and a couple others for my 2011 Toyota RAV4 and saved just over $310 a year. Left Travelers to switch.

  12. Gwendolyn Santana

    I live just outside Spokane, WA. Don’t remember every company but I ended up saving about $20 each month. It was easy to get rates.

  13. Chelsie Matthews

    Hope my car insurance gets cheaper. I live in Warren, MI. Got car insurance prices from Amica, Erie, and MetLife for my Toyota and saved $241 a year. I have a teen driver too.

  14. Jody Tanner

    Nice post. Found cheapest coverage with Liberty Mutual for my RAV4 and saved around $320 a year. Left Farmers to switch. I have a teen driver too.

  15. Rosalia Dejesus

    Nice post. From northwest of Gaithersburg, MD. Compared rates from a lot of places. Saved about $20 a month. GEICO was the cheapest option for me. Was with Hanover. I recommend comparing lots of rates.