Cheaper 2017 Toyota RAV4 Insurance Cost

Looking for cheaper car insurance rates for your Toyota RAV4? Nobody that owns a car loves paying for car insurance, especially when they are aware that their premiums are too high.

Multiple auto insurance companies compete to insure your vehicles, and because of this it can be hard to compare car insurance companies to get the lowest rate possible.

If you have car insurance now, you will most likely be able to reduce your rates substantially using these tips. Finding the best rates is not rocket science. Although car owners should learn how insurance companies market on the web and apply this information to your search.

Compare quotes for insurance coverage

To find cheaper quotes, there are a couple of ways of comparing rate quotes from many insurance coverage companies in your state. One of the best ways to find competitive 2017 Toyota RAV4 insurance rates is to jump online and get quotes. It is quite easy and can be accomplished in a couple of different ways.

  • Experts agree that the best way to find low rates would be an industry-wide quote request form like this one (opens in new window). This quick form prevents you from having to do multiple quote forms for every prospective company. One form submission gets you coverage quotes instantly.
  • A more time consuming way to compare rate quotes requires you to visit each company website and request a quote. For instance, let’s assume you want to view quotes from Nationwide, 21st Century and Liberty Mutual. You would be required to spend time going to each site individually and enter your policy data, and that’s why the first method is more popular. To view a list of companies in your area, click here.

It’s up to you how you get prices quotes, just do your best to use nearly identical coverage information for each price quote. If the quotes have different limits and deductibles on each one it will be nearly impossible to determine the lowest rate for your Toyota RAV4. Slightly different limits could skew the results. And when quoting insurance coverage, remember that quoting more increases your odds of finding the best offered rates.

Slash your insurance coverage rates with discounts

Car insurance companies do not list all available discounts very well, so the next list breaks down some of the best known and the more hidden ways to save on insurance coverage.

  • Drive Less and Save – Driving fewer miles could be rewarded with substantially lower insurance coveragerates.
  • Pay Early and Save – If paying your policy premium upfront rather than paying monthly you can actually save on your bill.
  • Discount for Swiching Early – Some insurance coverage companies give discounts for renewing your policy before your current coverage expires. It can save you around 10%.
  • Safety Restraint Discount – Buckling up and requiring all passengers to use their safety belts can save 10% or more off the personal injury premium cost.
  • Multi-policy Discount – When you have multiple policies and insure them both with the same insurance company you will save over 10 percent off each policy depending on the company.
  • Anti-lock Brakes – Cars, trucks, and SUVs that have anti-lock braking systems have fewer accidents and the ABS can save up to 10%.
  • Accident-Free Discounts – Insureds with no claims or accidents can save substantially when compared with frequent claim filers.
  • Driver Training Discounts – Participating in a driver safety course could cut 5% off your bill if you qualify.

A little disclaimer on discounts, most credits do not apply to the entire cost. Most only reduce specific coverage prices like collision or personal injury protection. If you do the math and it seems like you could get a free insurance coverage policy, company stockholders wouldn’t be very happy.

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

  • State Farm may include discounts for Drive Safe & Save, safe vehicle, student away at school, multiple autos, good student, and multiple policy.
  • Nationwide has savings for Farm Bureau membership, accident-free, family plan, easy pay, and business or organization.
  • GEICO offers discounts for defensive driver, emergency military deployment, seat belt use, air bags, and multi-vehicle.
  • AAA has discounts for education and occupation, AAA membership discount, good student, multi-car, anti-theft, pay-in-full, and good driver.
  • 21st Century includes discounts for teen driver, homeowners, anti-lock brakes, defensive driver, air bags, early bird, and theft prevention.
  • The Hartford may have discounts that include air bag, defensive driver, good student, bundle, driver training, anti-theft, and vehicle fuel type.

When quoting, ask each company or agent which discounts you may be entitled to. Some discounts may not be available in your area. If you would like to see a list of insurance companies that offer many of these discounts, click here.

How you can control Toyota RAV4 insurance premiums

Many factors are taken into consideration when you get a price on insurance. Most are fairly basic such as traffic violations, but others are more obscure like where you live or your commute time.Smart consumers have a good feel for a few of the rating criteria that play a part in calculating the price you pay for car insurance. If you have some idea of what determines premiums, this empowers consumers to make smart changes that will entitle you to lower car insurance prices.

  • Low credit rating equals high premiums – Having a good credit score is a large factor in determining your rates. Therefore, if your credit rating can be improved, you could be paying less to insure your 2017 Toyota RAV4 if you clean up your credit. Drivers who have very high credit ratings tend to be better risks to insure than drivers with worse credit.
  • Job stress can affect car insurance rates – Did you know your car insurance rates can be affected by your occupation? Occupational choices like military personnel, social workers and stock brokers are shown to have the highest rates in part from intense work situations and lengthy work days. On the other hand, careers such as scientists, engineers and performers pay the least for RAV4 insurance.
  • Policy add-ons may not be needed – Insurance companies have many additional coverages you can purchase if you don’t pay attention. Coverages like coverage for rental cars, better glass coverage, and extra equipment coverage may not be needed and are just wasting money. These may sound like a good investment when talking to your agent, but if you’ve never needed them in the past eliminate them to save money.
  • Never let your car insurance lapse – Letting your insurance expire will be a sure-fire way to trigger a rate increase. And not only will your rates increase, failure to provide proof of insurance could earn you a license revocation or jail time. Then you may be required to prove you have insurance by filing a SR-22 with your state motor vehicle department.
  • Cars with good safety ratings cost less to insure – Cars with high safety ratings tend to have better insurance rates. Vehicles engineered for safety result in less severe injuries and lower injury rates translates into fewer and smaller insurance claims which can result in lower premiums.

You are unique and your insurance coverage should be too

When it comes to buying the right insurance coverage, there isn’t really a one size fits all plan. Your needs are not the same as everyone else’s and your policy should reflect that. For instance, these questions may help you determine whether or not you may require specific advice.

  • Is my ex-spouse still covered by my policy?
  • How much liability insurance is required?
  • Am I covered by my employer’s commercial auto policy when driving my personal car for business?
  • Is my trailer covered?
  • Does my insurance cover damage caused when ticketed for reckless driving?
  • Are my friends covered when driving my 2017 Toyota RAV4?
  • Can I get a multi-policy discount for packaging my home and auto coverage?

If you’re not sure about those questions but you know they apply to you then you might want to talk to an insurance agent. If you want to speak to an agent in your area, take a second and complete this form or go to this page to view a list of companies.

Tricks in insurance coverage advertising

Big name companies like 21st Century, Allstate and State Farm constantly bombard you with television, radio, and online ads. They all seem to make an identical promise about how much you will save after switching your coverage to them. How is it possible that every company can charge less that you’re paying now? Here is the trick they use.

Most companies have underwriting criteria for the type of driver that will generate a profit. For example, a desirable insured should be between the ages of 40 and 55, has no prior claims, and drives less than 5,000 miles a year. Anybody who matches that profile will get very good premium rates and is almost guaranteed to save if they switch.

People who fall outside this ideal profile will have to pay a more expensive rate which usually ends up with the prospect going elsewhere. If you pay attention, the ads say “drivers that switch” not “all people who quote” save money. That is how companies can truthfully advertise the way they do.

That is why drivers must do a rate comparison at every renewal. It is impossible to predict with any certainty which company will give you the biggest savings.

Car insurance coverage information

Knowing the specifics of insurance aids in choosing the best coverages for your vehicles. The coverage terms in a policy can be ambiguous and reading a policy is terribly boring. These are typical coverage types found on most insurance policies.

Auto liability insurance

This will cover damages or injuries you inflict on other’s property or people. This coverage protects you against other people’s claims, and doesn’t cover your own vehicle damage or injuries.

It consists of three limits, bodily injury per person, bodily injury per accident and property damage. As an example, you may have policy limits 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. Another option is one number which is a combined single limit which limits claims to one amount rather than limiting it on a per person basis.

Liability coverage protects against claims like structural damage, repair costs for stationary objects and repair bills for other people’s vehicles. The amount of liability coverage you purchase is a decision to put some thought into, but buy higher limits if possible.

Medical expense coverage

Coverage for medical payments and/or PIP reimburse you for bills such as dental work, hospital visits, pain medications and nursing services. They can be utilized in addition to your health insurance policy or if you are not covered by health insurance. It covers both the driver and occupants as well as any family member struck as a pedestrian. PIP coverage is only offered in select states but it provides additional coverages not offered by medical payments coverage

Comprehensive protection

Comprehensive insurance coverage pays for damage from a wide range of events other than collision. A deductible will apply then the remaining damage will be covered by your comprehensive coverage.

Comprehensive insurance covers claims like damage from getting keyed, damage from a tornado or hurricane, fire damage and damage from flooding. The maximum amount a insurance company will pay at claim time is the ACV or actual cash value, so if the vehicle is not worth much consider removing comprehensive coverage.

Collision coverage protection

This will pay to fix damage to your RAV4 resulting from colliding with a stationary object or other vehicle. You have to pay a deductible and then insurance will cover the remainder.

Collision coverage protects against things like colliding with another moving vehicle, crashing into a building, hitting a parking meter and sideswiping another vehicle. Paying for collision coverage can be pricey, so analyze the benefit of dropping coverage from vehicles that are 8 years or older. Another option is to choose a higher deductible to save money on collision insurance.

Uninsured or underinsured coverage

This coverage gives you protection when the “other guys” either have no liability insurance or not enough. It can pay for injuries sustained by your vehicle’s occupants as well as damage to your Toyota RAV4.

Since many drivers have only the minimum liability required by law, their liability coverage can quickly be exhausted. So UM/UIM coverage is important protection for you and your family. Usually the UM/UIM limits do not exceed the liability coverage limits.

Saving money makes a lot of cents

You just read a lot of techniques to get a better price on 2017 Toyota RAV4 insurance. The key concept to understand is the more providers you compare, the better your chances of lowering your prices. Drivers may discover the lowest priced car insurance comes from a small local company. Some small companies can often insure niche markets at a lower cost as compared to the big name companies such as State Farm and Allstate.

As you shop your coverage around, make sure you don’t skimp on coverage in order to save money. In many cases, drivers have reduced comprehensive coverage or liability limits to discover at claim time they didn’t purchase enough coverage. Your objective should be to get the best coverage possible at the lowest possible cost while still protecting your assets.

Budget-friendly car insurance can be bought online and also from your neighborhood agents, so you should be comparing quotes from both to have the best rate selection. Some car insurance companies may not have price quotes online and these smaller companies sell through independent insurance agencies.

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Comments About 2017 Toyota RAV4 Insurance

  1. Jesica Gallegos

    I compared a lot of rate quotes for a 2017 Toyota RAV4 in San Antonio, TX. Ended up at darn near $170 every six months with AIG Insurance.

  2. Bobbie Clarke

    Good site, thanks. I live in Kailua, HI. Quoted prices online for a 2017 Toyota RAV4. Ended up at about $190 savings annually. Went with State Farm. Was with Auto-Owners. I have a teen driver too. Just go online and compare their rates.

  3. Darby Mathews

    Live in the southern part of Rockford, IL. Quoted a bunch of companies. Saved about $60 a month. GEICO was the best choice for me. I have kids on my policy, too.

  4. Coleen Baird

    Nice info. Went with Nationwide for my 2017 Toyota RAV4 and saved about $520 a year. Was with GEICO. I get multi-vehicle and multi-policy discounts.

  5. Antonietta Frye

    Anyone buy from AAA? I’m in Paterson, NJ.

  6. Carmelina Hughes

    Live in the northern part of Birmingham, AL. Compared quite a few companies. Saved about $70 a month. Allstate was the cheapest option for me. Moved home policy as well. They were helpful in switching over.

  7. Ryan Knox

    Quoted with Farmers for my RAV4 and saved around $370 a year. Even increased my liability limits. Highly recommended.

  8. Carylon Small

    Cheap car insurance? What’s that? Live in the western part of Louisville, Kentucky. Don’t remember every company but I ended up saving about $40 each month. Insured with Mercury before. Can still barely afford it.

  9. Trudie Wilson

    Corporate greed I’m telling you. I’m in the east part of Mobile, AL. Got quotes from Allstate, Auto-Owners, Erie, and Hartford for my 2017 Toyota RAV4 and I think I am saving around $20 each month. Insured with AIG Insurance before. I think they have home insurance too. Not sure about claim service.

  10. Cherri Huber

    Located in Biloxi, MS. Received prices from Allstate, American Family, and Encompass for my 2017 Toyota RAV4 and saved $539 a year. I even had a DUI years ago. They have free quotes online.