Lower Your 2016 Toyota RAV4 Insurance Rates

Searching for lower auto insurance rates for your Toyota RAV4? Did a good deal turn out to be an expensive auto insurance policy? It’s quite common and there are many people just like you. Insurance companies such as State Farm, Allstate, GEICO and Progressive constantly blast consumers with advertising and it can be hard to not get sucked in by the cute commercials and take the time to shop coverage around.

It’s a great practice to price shop coverage quite often because rates tend to go up over time. Despite the fact that you may have had the lowest rate on RAV4 coverage a couple years back you will most likely find a better price today. There is too much inaccurate information about auto insurance on the internet, but by reading this article, you’re going to learn some solid techniques on how to lower your auto insurance bill.

Save with these discounts

Companies offering auto insurance don’t necessarily list every possible discount very clearly, so the below list has some of the more common and also the lesser-known credits that you can use to lower your rates. If you are not receiving all the discounts available, you could be saving more on your insurance coverage.

  • Good Driver Discounts – Accident-free drivers may save up to 50% more on RAV4 coverage than drivers with accidents.
  • Life Insurance Discount – Larger insurance carriers have a break if you buy life insurance from them.
  • Multiple Cars – Drivers who insure all your vehicles on one policy qualifies for this discount.
  • Buy New and Save – Putting coverage on a new car can get you a discount due to better safety requirements for new model year vehicles.
  • No Accidents – Drivers who stay claim-free pay less as opposed to drivers who are more careless.
  • Full Payment Discount – If you pay your entire premium ahead of time rather than paying in monthly installments you can avoid the installment charge.
  • Passenger Safety Discount – Vehicles with factory air bags and/or automatic seat belt systems could see savings of 25 to 30%.

Discounts lower rates, but most discounts do not apply to your bottom line cost. Most only cut individual premiums such as comprehensive or collision. So even though it sounds like all those discounts means the company will pay you, that’s just not realistic.

To choose insurance companies with the best discounts, click here to view.

Auto insurance quotes comparison

Effectively comparing auto insurance prices can be a lot of work if you don’t understand the fastest way to get free quotes. You could spend the better part of a day talking about coverages with insurance agencies in your area, or you can utilize online quoting to quickly compare rates.

Most car insurance companies take part in a program that allows shoppers to enter their policy data once, and each company then gives them pricing for coverage. This prevents consumers from doing repetitive form submissions for each company. To compare rates using this form now click to open in new window.

The only drawback to using this type of form is that you can’t choose which carriers to receive prices from. So if you want to choose specific insurance companies to request quotes from, we have assembled a list of companies who write auto insurance in your area. Click here for list of insurance companies.

Whichever way you choose to compare rates, be sure to compare apples-to-apples coverage information on every quote you get. If you have different values for each quote then you won’t be able to find the best deal for your Toyota RAV4.

Special considerations

When it comes to buying the right insurance coverage for your vehicles, there really is not a “best” method to buy coverage. Everyone’s situation is unique and your policy should reflect that. These are some specific questions can aid in determining whether your personal situation would benefit from professional advice.

  • Are my tools covered if they get stolen from my vehicle?
  • When should I buy a commercial auto policy?
  • What is UM/UIM insurance?
  • Do I have coverage for damage caused while driving under the influence?
  • Do I need more liability coverage?
  • When should I drop full coverage on my 2016 Toyota RAV4?

If you don’t know the answers to these questions but a few of them apply, you may need to chat with a licensed agent. To find lower rates from a local agent, simply complete this short form or you can also visit this page to select a carrier It only takes a few minutes and you can get the answers you need.

Learn about car insurance coverages for a Toyota RAV4

Knowing the specifics of your car insurance policy can help you determine which coverages you need for your vehicles. Policy terminology can be confusing and even agents have difficulty translating policy wording. Shown next are the usual coverages found on the average car insurance policy.

Coverage for medical payments – Coverage for medical payments and/or PIP reimburse you for bills such as chiropractic care, surgery, funeral costs, EMT expenses and hospital visits. They can be utilized in addition to your health insurance policy or if you are not covered by health insurance. Medical payments and PIP cover not only the driver but also the vehicle occupants and also covers getting struck while a pedestrian. PIP is not universally available and gives slightly broader coverage than med pay

Collision – Collision coverage will pay to fix damage to your RAV4 resulting from a collision with a stationary object or other vehicle. You will need to pay your deductible and the rest of the damage will be paid by collision coverage.

Collision coverage protects against claims such as crashing into a ditch, damaging your car on a curb, colliding with another moving vehicle, scraping a guard rail and driving through your garage door. This coverage can be expensive, so consider removing coverage from lower value vehicles. You can also choose a higher deductible in order to get cheaper collision rates.

Uninsured and underinsured coverage – Uninsured or Underinsured Motorist coverage gives you protection from other motorists when they either are underinsured or have no liability coverage at all. Covered losses include injuries sustained by your vehicle’s occupants and damage to your Toyota RAV4.

Due to the fact that many drivers carry very low liability coverage limits, it only takes a small accident to exceed their coverage. That’s why carrying high Uninsured/Underinsured Motorist coverage is very important. Normally these limits are identical to your policy’s liability coverage.

Auto liability insurance – This coverage will cover injuries or damage you cause to a person or their property that is your fault. It protects YOU from claims by other people, and does not provide coverage for damage to your own property or vehicle.

Liability coverage has three limits: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. As an example, you may have values of 50/100/50 which stand for a $50,000 limit per person for injuries, a limit of $100,000 in injury protection per accident, and a limit of $50,000 paid for damaged property. Alternatively, you may have a combined limit which provides one coverage limit and claims can be made without the split limit restrictions.

Liability insurance covers things such as funeral expenses, repair costs for stationary objects, bail bonds, legal defense fees and attorney fees. How much liability should you purchase? That is a personal decision, but buy as large an amount as possible.

Comprehensive coverages – Comprehensive insurance pays to fix your vehicle from damage caused by mother nature, theft, vandalism and other events. A deductible will apply then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage pays for things such as hail damage, damage from getting keyed, falling objects, a tree branch falling on your vehicle and a broken windshield. The highest amount your car insurance company will pay is the actual cash value, so if it’s not worth much more than your deductible it’s not worth carrying full coverage.

Shop smart and save

Lower-priced 2016 Toyota RAV4 insurance can be bought online and with local insurance agents, so you should compare both to have the best chance of lowering rates. Some companies may not provide online price quotes and most of the time these regional carriers provide coverage only through independent agents.

You just learned some good ideas how to reduce 2016 Toyota RAV4 insurance rates online. The key concept to understand is the more rate comparisons you have, the higher your chance of finding cheap car insurance. You may even discover the lowest priced car insurance comes from the least-expected company. These companies may have significantly lower auto insurance rates on certain market segments as compared to the big name companies such as State Farm or Progressive.

When getting car insurance quotes online, it’s a bad idea to buy lower coverage limits just to save a few bucks. There are a lot of situations where an insured dropped collision coverage only to regret that saving that couple of dollars actually costed them tens of thousands. Your goal is to purchase plenty of coverage at the best cost, but do not sacrifice coverage to save money.

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Comments About 2016 Toyota RAV4 Insurance

  1. Kazuko Burnett

    I switched to 21st Century. Quoted good rates in New York City, NY.

  2. Desmond Simpson

    Mine is so expensive. I’m in the south part of Shreveport, LA. Got quotes from Western Auto Insurance, Auto-Owners, Hartford, and Sentry for my RAV4 and saved $204 a year. Left Allstate to switch. They offer free online rate quotes.

  3. Briana Fowler

    I’m in the west part of Frederick, MD. Quoted with State Farm, AAA, Esurance, and Hartford for my Toyota and saved just over $460 a year. A clean driving record helps. I quoted rates online then called them.

  4. Cleotilde Roach

    Good detail in your article. I’m from Gaithersburg, MD. Got quotes with Travelers, Amica, The General, and MetLife for my 2016 Toyota RAV4 and am saving around $570 a year. Was with Farmers. Highly recommended.

  5. Lou Hester

    If you don’t have tickets and are close to Saint Louis, MO, check out Allstate. I saved quite a bit. Got better coverage too.

  6. Lucie Hatfield

    Cheap car insurance? What’s that? I’m in the north part of Eugene, Oregon. Quoted prices online for a 2016 Toyota RAV4. Ended up at about $180 savings annually. Went with 21st Century. Was with Allstate. My new agent seems to be really good.

  7. Lonna Ramsey

    Liked the article. Proud to be from Dover, DE. Received prices from State Farm, Amica, and Encompass for my Toyota and saved about $120 a year. My new agent seems to be really good.

  8. Reanna Knapp

    I live in a small town just outside of Salem, OR. Quoted a bunch of companies. Saved roughly $30 a month. GEICO was the best choice for me. :P