How Much Does 2016 Toyota RAV4 Hybrid Insurance Cost?

Want lower auto insurance rates? Drivers have options when trying to find affordable Toyota RAV4 Hybrid insurance. You can either spend your time struggling with agents to compare prices or leverage the internet to make rate comparisons.

There is a right way and a wrong way to buy auto insurance and you need to know the best way to compare rates for a new or used Toyota and get the lowest possible price.

It’s important to take a look at other company’s rates yearly because prices trend upward over time. Even if you got the best quotes for RAV4 Hybrid coverage two years ago you may be paying too much now. Ignore everything you know about auto insurance because you’re about to learn the quickest way to find great coverage at a great price.

If you have insurance now or need a new policy, you can use these techniques to find better prices and possibly find even better coverage. The purpose of this article is to help you learn the most effective way to quote insurance and some tricks to saving. Drivers only need an understanding of the most efficient way to compare prices on the web.

Take policy discounts and save

Companies that sell car insurance do not list all available discounts very well, so the list below gives a summary of both the well known and the more hidden credits available to lower your premiums when you buy insurance coverage online.

  • Theft Deterent System – Anti-theft and alarm system equipped vehicles are less likely to be stolen and qualify for as much as a 10% discount.
  • Senior Discount – Drivers that qualify as senior citizens may receive better insurance rates for RAV4 Hybrid coverage.
  • More Vehicles More Savings – Buying a policy with all your vehicles with one company may reduce the rate for each vehicle.
  • Defensive Driving Course – Taking time to complete a course teaching safe driver skills can save you 5% or more and easily pay for the cost of the class.
  • Service Members Pay Less – Being on active duty in the military could mean lower insurance rates.
  • College Student Discount – College-age children who are attending college and do not take a car to college can receive lower rates.
  • Sign Early and Save – Some insurance companies reward drivers for switching policies before your current coverage expires. You can save around 10% with this discount.

It’s important to understand that some credits don’t apply the the whole policy. Most only apply to individual premiums such as comp or med pay. Despite the appearance that you would end up receiving a 100% discount, company stockholders wouldn’t be very happy.

To find insurance companies that offer many of these discounts, follow this link.

Which policy gives me the best coverage?

When choosing adequate coverage, there is no single plan that fits everyone. Every insured’s situation is different.

Here are some questions about coverages that might point out if your situation might need professional guidance.

  • Does my policy pay for OEM or aftermarket parts?
  • How much can I save by bundling my policies?
  • Does my car insurance cover rental cars?
  • Does having multiple vehicles earn me a discount?
  • What can I do if my company denied a claim?
  • When should I remove comp and collision on my 2016 Toyota RAV4 Hybrid?
  • Does insurance cover damages from a DUI accident?

If it’s difficult to answer those questions then you might want to talk to a licensed insurance agent. To find an agent in your area, fill out this quick form. It’s fast, free and you can get the answers you need.

Information about specific coverages

Knowing the specifics of your insurance policy helps when choosing appropriate coverage for your vehicles. Insurance terms can be ambiguous and coverage can change by endorsement.

Comprehensive auto coverage

This covers damage OTHER than collision with another vehicle or object. A deductible will apply and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive insurance covers things like a broken windshield, rock chips in glass and a tree branch falling on your vehicle. The highest amount your insurance company will pay is the cash value of the vehicle, so if the vehicle is not worth much it’s probably time to drop comprehensive insurance.

Medical payments and PIP coverage

Coverage for medical payments and/or PIP reimburse you for short-term medical expenses such as funeral costs, surgery and prosthetic devices. They are often used to fill the gap from your health insurance policy or if you are not covered by health insurance. Medical payments and PIP cover you and your occupants as well as if you are hit as a while walking down the street. Personal injury protection coverage is not an option in every state and gives slightly broader coverage than med pay

Liability car insurance

This coverage provides protection from damages or injuries you inflict on other’s property or people that is your fault. It protects you from claims by other people. It does not cover damage to your own property or vehicle.

It consists of three limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. Your policy might show values of 25/50/25 that translate to a $25,000 limit per person for injuries, a limit of $50,000 in injury protection per accident, and a limit of $25,000 paid for damaged property. Another option is a combined limit which combines the three limits into one amount rather than limiting it on a per person basis.

Liability coverage protects against things such as medical services, pain and suffering, court costs and emergency aid. How much liability should you purchase? That is a decision to put some thought into, but consider buying as much as you can afford.

UM/UIM (Uninsured/Underinsured Motorist) coverage

This provides protection when the “other guys” either have no liability insurance or not enough. Covered claims include hospital bills for your injuries as well as your vehicle’s damage.

Because many people only purchase the least amount of liability that is required, their liability coverage can quickly be exhausted. For this reason, having high UM/UIM coverages is very important. Most of the time these limits are identical to your policy’s liability coverage.

Collision coverage protection

Collision insurance pays for damage to your RAV4 Hybrid resulting from colliding with an object or car. A deductible applies and the rest of the damage will be paid by collision coverage.

Collision coverage pays for claims like hitting a mailbox, scraping a guard rail, driving through your garage door, rolling your car and crashing into a ditch. Collision coverage makes up a good portion of your premium, so consider removing coverage from vehicles that are 8 years or older. Another option is to choose a higher deductible in order to get cheaper collision rates.

More quotes. Lower rates.

People leave their current company for a variety of reasons including poor customer service, policy non-renewal, being labeled a high risk driver and high prices. No matter why you want to switch, finding a new company is easier than you think.

As you quote insurance coverage, it’s a bad idea to skimp on critical coverages to save a buck or two. In many instances, an accident victim reduced collision coverage only to discover later that it was a big mistake. Your goal is to find the BEST coverage for the lowest price while still protecting your assets.

Throughout this article, we presented some good ideas how you can reduce 2016 Toyota RAV4 Hybrid insurance rates online. The key thing to remember is the more rate quotes you have, the higher the chance of saving money. You may even find the lowest priced auto insurance comes from an unexpected company.

Helpful information

Comments About 2016 Toyota RAV4 Hybrid Insurance

  1. Kamilah Wiggins

    Progressive and State Farm had the best prices I found in Arizona.

  2. Ona Craft

    I live just outside Great Falls, MT. Received quotes from Auto-Owners, Safeco, and USAA for my Toyota and cut my rates about $570 a year. Even increased my liability limits.

  3. Shaniqua Rollins

    Here’s my info. I’m in the north part of Jacksonville, FL. Got car insurance rates from Allstate, AAA, Erie, and Hanover for my Toyota and I think I am saving around $50 each month. I got prices on the web.

  4. Leia Ayers

    All companies are crooks. I live on the east side of Biloxi, Mississippi. Quoted quotes with Travelers, Amica, GMAC, and Sentry for my 2016 Toyota RAV4 Hybrid and I think I saved around $20 each month. Not sure about claim service.

  5. Alycia Oconnor

    I live just to the north of Juneau, AK. Checked online prices for a 2016 Toyota RAV4 Hybrid. Ended up at about $450 savings annually. Went with GEICO. Insured with MetLife before.

  6. Qiana Waters

    When do I drop full coverage?

  7. Grover Williamson

    Cheaper car insurance is a myth. I’m in the suburbs of Lewiston, ME. Went online for free insurance quotes for a 2016 Toyota RAV4 Hybrid. Ended up at about $370 savings annually. Went with 21st Century. Not sure if rates are cheaper online or not.

  8. Yaeko Hanson

    From a town just southwest of Tampa, FL, and 21st Century rates were best.

  9. Micheal Jones

    Anyone understand their policy?

  10. Christeen Griffith

    Enjoyed the article. Lifelong resident of North Charleston, South Carolina. I got free quotes from State Farm, Liberty Mutual, and Farmers for my Toyota and saved $551 a year. Ask about discounts. Not sure if rates are cheaper online or not.

  11. Georgeanna Conrad

    Got a quote with The General for my RAV4 Hybrid and saved about $200 a year. A clean driving record helps.

  12. Maxwell Acosta

    Located in Rio Rancho, New Mexico. I don’t recall every quote but I ended up saving about $40 each month. I have a teen driver too. It was easy to get rates.

  13. Murray Randolph

    I got a good deal I think. Checking in from Las Vegas, NV. Got car insurance quotes from AAA, Encompass, and Safeco for my RAV4 Hybrid and I think I am saving around $60 each month. I get multi-vehicle and multi-policy discounts. Are quotes cheaper online?

  14. Harry Warren

    Lots of useful info here. Located in Owensboro, Kentucky. I got free prices from Auto-Owners, Sentry, and some smaller one I can’t remember the name of for my Toyota and saved $565 a year. Left Encompass to switch. I think they have home insurance too. They offer free online rate quotes.

  15. Burt Anthony

    If you’re a decent driver and live in the vicinity of Fort Wayne, IN, check out 21st Century. You might get cheaper rates. :P

  16. Lilliana Black

    Cheaper car insurance is a myth. I’m in the south part of Fairbanks, AK. I don’t recall every quote but I ended up saving about $30 each month. I have a couple other vehicles on the policy. It never hurts to quote around.