2014 Toyota RAV4 Insurance Quotes

Being forced to pay for high-priced insurance premiums can bleed your checking account and force you to tighten up your finances. Getting a rate comparison is a smart way to make sure you’re not throwing money away.

You have so many insurance companies to pick from, and although it’s nice to have multiple companies, lots of choices makes it harder to compare rates and find the lowest cost insurance.

This article will teach you how car insurance quotes work. If you currently have car insurance, you will most likely be able to reduce your rates substantially using these tips. Nevertheless, drivers do need to know how big insurance companies price online insurance because it can help you find the best coverage.

Lower rates by qualifying for discounts

Not too many consumers would say insurance is affordable, but there are discounts available that could help you make your next renewal payment. A few discounts will automatically apply when you get a quote, but less common discounts must be asked about before they will apply. If you are not receiving all the discounts you deserve, you are not getting the best rate possible.

  • Resident Student – Youth drivers who are enrolled in a college that is more than 100 miles from home without a vehicle on campus can receive lower rates.
  • 55 and Retired – If you’re over the age of 55, you may receive a discount up to 10% for RAV4 insurance.
  • Policy Bundle Discount – When you combine your home and auto insurance and place coverage with the same company they may give you a discount of up to 20% off your total premium.
  • Own a Home and Save – Owning your own home or condo can earn you a little savings because maintaining a house means you have a higher level of financial diligence.
  • Discounts for Multiple Vehicles – Having multiple cars on one policy can get a discount on all vehicles.
  • Renewal Discounts – Some insurance companies reward drivers for switching companies prior to your current policy expiration. You could save around 10% when you buy car insurance online.

As a sidenote, most discounts do not apply the the whole policy. The majority will only reduce the cost of specific coverages such as comp or med pay. So even though you would think adding up those discounts means a free policy, nobody gets a free ride.

If you would like to see a list of insurance companies who offer online insurance quotes, click here.

Finding auto insurance

There are a variety of methods to compare auto insurance quotes, but some are more efficient than others. You could spend the better part of a day talking about coverages with local insurance agents in your area, or you can utilize the internet to quickly compare rates.

The majority of car insurance companies belong to a marketplace that allows shoppers to send in one quote, and at least one company can provide price quotes determined by their information. This system prevents you from having to do quote requests to every company.

To enter your information into the quoting system, click to open in new window.

The one disadvantage to getting quotes like this is buyers cannot specifically choose which insurance companies to get pricing from. So if you prefer to pick specific insurance companies to compare rates, we have assembled a list of low cost auto insurance companies in your area. Click here for list of insurance companies.

How you compare quotes is your choice, just do your best to enter nearly identical quote data on every price quote you get. If you enter different coverage information then you won’t be able to make a fair rate comparison. Even a minor difference in coverages can mean a large discrepancy in price. It’s important to know that comparing more quotes will increase your chances of finding a lower rate.

Auto insurance is unique, just like you

When it comes to choosing the best auto insurance coverage for your vehicles, there really is no one size fits all plan. Everyone’s situation is unique and your policy should reflect that. These are some specific questions might help in determining if you might need an agent’s assistance.

  • Should I have combined single limit or split liability limits?
  • Am I covered when pulling a rental trailer?
  • Do I need rental car coverage?
  • How do I buy GAP insurance?
  • Where can I find DUI or SR-22 insurance?
  • Can I afford to pay high deductible claims out of pocket?

If it’s difficult to answer those questions, you may need to chat with an agent. To find lower rates from a local agent, fill out this quick form or click here for a list of auto insurance companies in your area.

Specific coverage details

Having a good grasp of your policy can be of help when determining appropriate coverage and the correct deductibles and limits. The coverage terms in a policy can be ambiguous and reading a policy is terribly boring. Shown next are the usual coverages found on most insurance policies.

Comprehensive auto coverage – This pays for damage OTHER than collision with another vehicle or object. You first have to pay a deductible and then insurance will cover the rest of the damage.

Comprehensive coverage protects against claims such as vandalism, hitting a bird, a tree branch falling on your vehicle and damage from flooding. The most you can receive from a comprehensive claim is the ACV or actual cash value, so if your deductible is as high as the vehicle’s value it’s probably time to drop comprehensive insurance.

Medical payments and PIP coverage – Med pay and PIP coverage kick in for immediate expenses for X-ray expenses, hospital visits, surgery, nursing services and prosthetic devices. They are often used in conjunction with a health insurance policy or if you do not have health coverage. They cover not only the driver but also the vehicle occupants and will also cover if you are hit as a while walking down the street. Personal Injury Protection is not universally available but it provides additional coverages not offered by medical payments coverage

UM/UIM (Uninsured/Underinsured Motorist) coverage – Your UM/UIM coverage protects you and your vehicle from other drivers when they either have no liability insurance or not enough. This coverage pays for injuries to you and your family and also any damage incurred to your Toyota RAV4.

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 important protection for you and your family. Usually your uninsured/underinsured motorist coverages are identical to your policy’s liability coverage.

Liability car insurance – This provides protection from damage or injury you incur to other people or property. This coverage protects you from legal claims by others. It does not cover damage sustained by your vehicle in an accident.

Coverage consists of three different limits, per person bodily injury, per accident bodily injury, and a property damage limit. As an example, you may have values of 100/300/100 that means you have $100,000 in coverage for each person’s injuries, $300,000 for the entire accident, and property damage coverage for $100,000. Some companies may use a combined limit that pays claims from the same limit without having the split limit caps.

Liability coverage protects against claims like emergency aid, bail bonds, medical expenses, court costs and medical services. How much liability should you purchase? That is a personal decision, but it’s cheap coverage so purchase as large an amount as possible.

Collision coverage – This coverage will pay to fix damage to your RAV4 resulting from a collision with an object or car. You have to pay a deductible then your collision coverage will kick in.

Collision coverage protects against things like rolling your car, crashing into a building and hitting a mailbox. Collision coverage makes up a good portion of your premium, so you might think about dropping it from older vehicles. Drivers also have the option to bump up the deductible to bring the cost down.

Save your hard earned cash

When you buy car insurance online, make sure you don’t skimp on coverage in order to save money. There are many occasions where an accident victim reduced liability coverage limits only to regret at claim time that the savings was not a smart move. Your strategy should be to buy the best coverage you can find for the lowest cost while still protecting your assets.

Throughout this article, we presented a lot of techniques to get a better price on 2014 Toyota RAV4 insurance. It’s most important to understand that the more quotes you get, the more likely it is that you will get a better rate. Consumers may even find the best rates are with the least-expected company. Some small companies may only write in your state and offer lower car insurance rates compared to the large companies like Allstate and Progressive.

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Comments About 2014 Toyota RAV4 Insurance

  1. Tiffiny Velazquez

    I went with Allstate at renewal. Best rates in Salt Lake City, UT.

  2. Mercedez Lucas

    Great info, thanks for posting. Lifelong resident of Detroit, MI. Received quotes with State Farm, Liberty Mutual, and Farmers for my RAV4 and saved about $390 a year. Left Progressive to switch. Thankfully I have a good driving record.

  3. Adria Kent

    I compared a lot of rate quotes for a 2014 Toyota RAV4 in Eugene, OR. Ended up at about $500 every six months with Amica.

  4. Trena Pugh

    Cheap is not always the best policy. From a town just southwest of Tampa, Florida. Quoted quotes from 21st Century, Amica, and Esurance for my 2014 Toyota RAV4 and saved $161 a year. Left State Farm to switch. Just waiting to see how claims go.

  5. Frances Knapp

    I’m from Charlotte, NC. I got free quotes with Travelers, Amica, GMAC, and MetLife for my RAV4 and saved just over $120 a year. I got a quote from their website.

  6. Eneida Dixon

    Live in Columbus, Georgia. Got car insurance quotes from Allstate, Auto-Owners, and Encompass for my Toyota and saved just over $300 a year.

  7. Ethelene Estrada

    Got pretty cheap 2014 Toyota RAV4 insurance from 21st Century in Oklahoma City, Oklahoma.

  8. Dalene Strong

    In Owensboro, Kentucky, Progressive is a good choice. I get a discount for insuring multiple vehicles.

  9. Viviana Kerr

    Does 21st Century have low rates for teen drivers?

  10. Lesley Norris

    I got quite a few price quotes for a 2014 Toyota RAV4 in Overland Park, KS. Ended up at darn near $280 every six months with Auto-Owners. Insured with Erie before. I have a teen driver too. It was easy to get rates.

  11. Mattie Ayala

    What is UM/UIM coverage?

  12. Emily Conner

    I got decent rates for a 2014 Toyota RAV4 in Las Cruces, NM. Ended up at darn near $180 every six months with AIG Insurance. Was with Hanover. I get lower rates because of my clean driving record. Might find lower rates online.

  13. Thomas Hart

    Good detail in your article. Got a quote with Auto-Owners for my 2014 Toyota RAV4 and saved about $110 a year. Thankfully I have a good driving record.

  14. Celia Webster

    Corporate greed I’m telling you. Live in Tucson, Arizona. Quoted with The General, Amica, Nationwide, and a couple others for my Toyota and saved just over $210 a year. I recommend comparing lots of rates.

  15. Geraldo Brewer

    I’m from San Jose, CA. Compared quite a few companies. Saved right around $20 a month. State Farm was the cheapest option for me.

  16. Ulrike Sykes

    I got quite a few price quotes for a 2014 Toyota RAV4 in Fort Smith, AR. Ended up at about $550 every six months with Auto-Owners. My new agent seems to be really good.

  17. Rolande Wilkins

    I live on the south side of Columbus, OH. Got quotes from GMAC, AIG Insurance, Sentry, and a couple others for my RAV4 and I’m now saving $46 a month. I’m a pretty low risk driver.