Lower Your 2013 Toyota RAV4 EV Insurance Quotes

Trying to find better insurance coverage rates for your Toyota RAV4 EV? Expensive insurance coverage can bleed your monthly budget and force you to cut corners elsewhere.

Consumers have multiple car insurance companies to purchase coverage from, and although it’s a good thing to be able to choose, so many choices can make it hard to locate the cheapest rates.

You should make it a habit to shop coverage around at least once a year because rates are adjusted regularly by insurance companies. If you had the best rate for RAV4 EV insurance on your last policy you may be paying too much now. There is a lot of wrong information about insurance coverage out there, but in just a couple of minutes you can learn some of the best ways to lower your insurance coverage bill.

The quickest method to get rate comparisons is to know the trick auto insurance companies pay for the opportunity to give rate comparisons. The only thing you need to do is take a few minutes to give details like whether you have decent credit, the type of vehicles you drive, whether or not you need a SR-22, and how much school you completed. That rating information is instantly sent to all major companies and they respond with quotes very quickly.

To find lower rates now, click here and enter the information requested.

Discount insurance coverage rates

Insurance can cost an arm and a leg, but you can get discounts that you may not even be aware of. Some discounts apply automatically at the time of purchase, but some discounts are required to be manually applied prior to receiving the credit.

  • Telematics Data – Drivers who elect to allow their insurance company to monitor driving habits by using a telematic data system such as Allstate’s Drivewise and State Farm’s In-Drive system may get a rate reduction if they have good driving habits.
  • Resident Student – Kids who are enrolled in higher education away from home without a vehicle on campus may qualify for this discount.
  • Smart Student Discounts – This discount may save as much as 25% on a insurance quote. Most companies allow this discount until age 25.
  • Discounts for Seat Belt Usage – Forcing all vehicle occupants to buckle up could save 15% on the medical payments or PIP coverage costs.
  • Employee of Federal Government – Federal government employees could qualify for a slight premium decrease for RAV4 EV insurance with certain companies.

Don’t be shocked that most credits do not apply to the entire policy premium. Most cut the price of certain insurance coverages like liability and collision coverage. Even though the math looks like it’s possible to get free car insurance, you aren’t that lucky. Any qualifying discounts will reduce your policy cost.

Companies and a summarized list of policyholder discounts can be read below.

  • State Farm may have discounts that include safe vehicle, Steer Clear safe driver discount, defensive driving training, anti-theft, and student away at school.
  • Esurance policyholders can earn discounts including online shopper, multi-policy, multi-car, good driver, emergency road assistance, claim free, and DriveSense.
  • Progressive may include discounts for multi-policy, multi-vehicle, homeowner, online quote discount, continuous coverage, good student, and online signing.
  • Liberty Mutual offers premium reductions for new graduate, safety features, preferred payment discount, exclusive group savings, multi-policy, multi-car, and new move discount.
  • Auto-Owners Insurance has discounts for safe driver, good student, teen driver, student away at school, and anti-theft.
  • GEICO offers discounts including air bags, military active duty, five-year accident-free, membership and employees, and driver training.

Before buying, ask every insurance company which discounts they offer. Depending on the company, some discounts may not apply to policyholders in every state. To see a list of companies offering insurance coverage discounts, follow this link.

Tailor your insurance coverage coverage to you

When choosing the best insurance coverage coverage, there isn’t really a perfect coverage plan. Every situation is different so your insurance should reflect that For instance, these questions may help highlight if your insurance needs would benefit from an agent’s advice.

  • Will my insurance pay for OEM parts?
  • Should I put collision coverage on all my vehicles?
  • Do I have coverage when making deliveries for my home business?
  • Where can I find high-risk insurance?
  • What can I do if my company denied a claim?
  • How can I get high-risk coverage after a DUI?

If you don’t know the answers to these questions but you know they apply to you then you might want to talk to an agent. If you want to speak to an agent in your area, complete this form or click here for a list of insurance coverage companies in your area.

Smart choices result in lower insurance premiums

Multiple criteria are part of the equation when you get your auto insurance bill. A few of the factors are predictable like an MVR report, although others are more transparent like your continuous coverage or how safe your car is.

  • Drive less and pay lower prices – The higher the miles on your Toyota in a year the higher your rate. The majority of insurers calculate rates based upon how the vehicle is primarily used. Autos used primarily for pleasure use cost less to insure than those that get driven frequently. Ask your agent if your policy correctly shows the right rating data, because it can save money. Having an incorrect usage rating on your RAV4 EV may be wasting your money.
  • Your address can influence premiums – Choosing to live in less populated areas of the country is a good thing when buying auto insurance. Less people living in that area means a lower chance of having an accident and a lower car theft rate. People who live in big cities have more road rage incidents and more time behind the wheel. The longer drive time means more chances of being involved in an auto accident.
  • Vehicles with better crash test results lower premiums – Vehicles that have high safety ratings tend to have better insurance rates. The safest vehicles have better occupant injury protection and lower rates of occupant injuries translates into savings for insurance companies passed on to you as lower rates.
  • Advanced alarm systems – Owning a car with a theft deterrent system can save you some money. Advanced theft deterrents like vehicle immobilizer systems, OnStar, and tracking devices like LoJack help track and prevent car theft.
  • Stressful job may mean higher prices – Did you know your occupation can influence how much you pay for auto insurance? Jobs such as judges, architects and stock brokers have higher rates than the rest of us attributed to stressful work requirements and extremely grueling work hours. Other occupations such as scientists, historians and retirees generally pay rates lower than average for RAV4 EV insurance.
  • Youthful drivers cost more – Teenage drivers are proven to be inattentive and easily distracted with other occupants in the car therefore auto insurance rates are much higher. More experienced drivers are more responsible, tend to cause fewer accidents , and are generally more financially stable.
  • Are women or men drivers cheaper? – Over the last 50 years, statistics have shown females are less aggressive when driving. This data doesn’t prove that females are better at driving than males. Both genders are in fender benders in similar numbers, but the males get into accidents with more damage. In addition to higher claims, males also get cited for more serious violations like DWI (DUI) or reckless driving.
  • How much liability insurance – Liability coverage is the coverage that protects you when a jury decides you are liable for damages from an accident. Your policy’s liability insurance provides you with a defense in court which can cost a lot. This coverage is very inexpensive compared to physical damage coverage, so buy as much as you can afford.

Beware of misleading car insurance ads

Popular car insurance providers such as 21st Century, Allstate and State Farm regularly use television, radio, and online ads. They all try to convey promises that drivers will save a bundle if you get a free insurance quote and switch your policy. That’s great but how can every company give you a better price? This is how they do it.

Insurance providers quote their cheapest rates for the type of customer that earns them the most money. One example of a desirable insured may need to be between 30 and 50, carries full coverage, and drives a lower-performance vehicle. Any new insured that meets those criteria is entitled to the best price and is almost guaranteed to save when switching.

Insureds who do not fit these stringent criteria will probably have to pay higher premiums with the end result being the customer buying from someone else. The wording the ads use say “customers that switch” but not “everyone who gets a quote” save that much when switching. That’s why companies can lure you into getting a quote.

Different companies use different criteria so you should get price quotes at each policy renewal. It is just not possible to predict which insurance companies will provide you with the cheapest auto insurance rates.

Auto insurance policy coverages for a 2013 Toyota RAV4 EV

Having a good grasp of auto insurance helps when choosing appropriate coverage and proper limits and deductibles. The coverage terms in a policy can be ambiguous and nobody wants to actually read their policy. Shown next are the usual coverages offered by auto insurance companies.

Liability auto insurance – Liability coverage will cover injuries or damage you cause to other people or property by causing an accident. It protects you from legal claims by others, and does not provide coverage for damage to your own property or vehicle.

It consists of three limits, bodily injury per person, bodily injury per accident and property damage. As an example, you may have values of 50/100/50 which means $50,000 in coverage for each person’s injuries, a per accident bodily injury limit of $100,000, and a limit of $50,000 paid for damaged property. Occasionally you may see 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 coverage protects against claims such as repair costs for stationary objects, repair bills for other people’s vehicles, bail bonds, medical services and structural damage. How much liability coverage do you need? That is your choice, but consider buying as large an amount as possible.

Medical expense insurance – Personal Injury Protection (PIP) and medical payments coverage reimburse you for immediate expenses for surgery, X-ray expenses and doctor visits. They are used in conjunction with a health insurance plan or if you lack health insurance entirely. Medical payments and PIP cover you and your occupants in addition to being hit by a car walking across the street. PIP is not available in all states and gives slightly broader coverage than med pay

Protection from uninsured/underinsured drivers – Your UM/UIM coverage protects you and your vehicle when the “other guys” do not carry enough liability coverage. Covered losses include injuries to you and your family as well as your vehicle’s damage.

Since many drivers only carry the minimum required liability limits, it doesn’t take a major accident to exceed their coverage limits. So UM/UIM coverage is very important. Usually the UM/UIM limits do not exceed the liability coverage limits.

Collision coverage – This coverage will pay to fix damage to your RAV4 EV from colliding with a stationary object or other vehicle. You first must pay a deductible then the remaining damage will be paid by your insurance company.

Collision coverage protects against claims like driving through your garage door, crashing into a building and crashing into a ditch. Paying for collision coverage can be pricey, so analyze the benefit of dropping coverage from lower value vehicles. You can also increase the deductible to bring the cost down.

Comprehensive (Other than Collision) – Comprehensive insurance covers damage that is not covered by collision coverage. You first must pay your deductible and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive can pay for things such as hitting a deer, hitting a bird, vandalism and damage from getting keyed. The highest amount you’ll receive from a claim is the ACV or actual cash value, so if the vehicle’s value is low it’s probably time to drop comprehensive insurance.

Be a penny pincher

Affordable 2013 Toyota RAV4 EV insurance is attainable both online in addition to many insurance agents, so get free insurance quotes from both of them in order to have the best chance of saving money. Some companies don’t offer rates over the internet and most of the time these small insurance companies sell through local independent agencies.

Throughout this article, we presented a lot of techniques to compare 2013 Toyota RAV4 EV insurance rates online. The key concept to understand is the more providers you compare, the better chance you’ll have of finding cheaper insurance. You may even discover the lowest priced insurance comes from the least-expected company. They can often insure niche markets at a lower cost compared to the large companies like State Farm and Allstate.

Even more information can be read at these sites:

Comments About 2013 Toyota RAV4 EV Insurance

  1. Sheilah Kirby

    Lots of good stuff here. From Buffalo, New York. I got free rates from Allstate, Auto-Owners, Esurance, and Liberty Mutual for my 2013 Toyota RAV4 EV and saved just over $330 a year.

  2. Penney Collins

    Good detail in your article. Went with Amica for my RAV4 EV and saved about $300 a year. Insured with USAA before.

  3. Francisco Hall

    Not sure what I should be paying. Went with Mercury for my RAV4 EV and am saving around $410 a year. Insured with Erie before.

  4. Celina Lancaster

    This is too expensive. I’m from Las Cruces, NM. Got car insurance quotes with Progressive, Encompass, and Hartford for my Toyota and I think I cut my rates about $60 each month. Good savings if you bundle. It’s easy to compare rates online now.

  5. Maryjo Taylor

    Progressive was cheapest for my 2013 Toyota RAV4 EV in Raleigh, North Carolina.

  6. Booker Powers

    Went with Hanover for my RAV4 EV and cut my rates about $460 a year. I get lower rates because of my clean driving record. Did it all online.

  7. Aja Jarvis

    If you have a clean record and live around Baton Rouge, Louisiana, check out State Farm. I saved quite a bit. Switched homeowners coverage too. Still almost need a second mortgage.

  8. Edris Clayton

    Good site, thanks. Found cheapest coverage with Nationwide for my RAV4 EV and saved about $560 a year. Left Esurance to switch. Even increased my liability limits.

  9. Joseph Vega

    State Farm is decent in Warren, Michigan.

  10. Jennie Stokes

    From northwest of Mobile, AL. Got quotes from 21st Century, American Family, and some I forget for my Toyota and I’m now saving $38 a month.

  11. Kelsi Myers

    I live just to the north of Columbia, SC. Compared quite a few companies. Saved right around $40 a month. GEICO was the best choice for me. Have an at-fault accident tho. Not sure about claim service.

  12. Dominga Wheeler

    All companies are crooks. From east side of Birmingham, Alabama. Received quotes with Auto-Owners, MetLife, and a few others for my RAV4 EV and saved $218 a year. Moved home policy as well.

  13. Delma Ford

    I’m in Oklahoma City, OK. Quoted prices online for a 2013 Toyota RAV4 EV. Ended up at about $400 savings annually. Went with Allstate.

  14. Kati Gardner

    Hope my rates come down. From northwest of Columbus, Ohio. I quoted with AIG Insurance, Erie, and Mercury for my 2013 Toyota RAV4 EV and I think I saved about $60 each month. Good savings if you bundle.

  15. Shantay Holmes

    Lots of useful info here. I live just to the south of Des Moines, IA. Quoted prices from Progressive, Amica, and some I forget for my Toyota and saved about $210 a year. I recommend comparing lots of rates.

  16. Deetta Woodward

    Does Progressive settle claims fairly?

  17. Leone Rivera

    State Farm is decent in North Charleston, South Carolina.