View 2018 Toyota RAV4 Insurance Rates

Want better car insurance rates for your Toyota RAV4? Searching for the lowest cost car insurance can be impossible for beginners to comparison shopping online. With so many companies, how can drivers have time to compare every possible option in order to find lower car insurance premiums?

Finding the best rates is quite easy. If you have car insurance now, you will most likely be able to save some money using these methods. Nevertheless, vehicle owners can benefit from knowing the way insurance companies compete online because it can help you find the best coverage.

The quickest way to compare rate quotes is to know the fact car insurance companies participate in online systems to quote your coverage. All consumers are required to do is give the companies some data including driver details, daily mileage, if you are currently licensed, and whether you are married. Your rating data is instantly sent to multiple car insurance providers and they return quotes almost instantly.

If you would like to start a quote now, click here and find out if lower rates are available.

Car insurance policy discounts you can’t miss

Insuring your vehicles can cost a lot, but you might already qualify for some discounts that many people don’t even know exist. A few discounts will automatically apply when you complete an application, but some may not be applied and must be asked for before you get the savings.

  • Theft Prevention System – Cars and trucks with anti-theft systems have a lower chance of being stolen and that can save you a little bit as well.
  • Full Payment Discount – If you pay your bill all at once instead of monthly or quarterly installments you can avoid the installment charge.
  • Discount for Multiple Policies – If you insure your home and vehicles and place coverage with the same company you could earn a discount of nearly 15% which can help you find inexpensive car insurance.
  • Military Rewards – Being deployed in the military could be rewarded with lower premium rates.
  • Anti-lock Brake System – Cars and trucks that have anti-lock braking systems are safer to drive and qualify for as much as a 10% discount.
  • Seat Belts Save – Drivers who require all vehicle occupants to use a seat belt can save a little off the PIP or medical payment premium.
  • Distant College Student Discount – Youth drivers who live away from home to go to college and don’t have a car could get you a discount.

One thing to note about discounts is that most credits do not apply to the entire policy premium. Most only apply to specific coverage prices like physical damage coverage or medical payments. So even though you would think it’s possible to get free car insurance, nobody gets a free ride. Any amount of discount will help lower your policy premiums.

To see a list of insurers that offer multiple discounts, click this link.

Insurance agents can help

When it comes to choosing the best car insurance coverage for your vehicles, there isn’t really a perfect coverage plan. Each situation is unique.

These are some specific questions may help you determine if you might need professional guidance.

  • What is roadside assistance coverage?
  • Is other people’s property covered if stolen from my vehicle?
  • When can I cancel my policy?
  • Can I afford low physical damage deductibles?
  • Does insurance cover tools stolen from my truck?
  • Why am I required to buy liability insurance?
  • Can my teen driver be rated on a liability-only vehicle?
  • Does medical payments coverage apply to all occupants?
  • Am I insured when driving a different vehicle?

If you can’t answer these questions, you might consider talking to an insurance agent. To find lower rates from a local agent, take a second and complete this form.

Auto insurance coverage specifics

Knowing the specifics of your auto insurance policy can help you determine the best coverages and the correct deductibles and limits. The terms used in a policy can be impossible to understand and coverage can change by endorsement.

Auto collision coverage

This covers damage to your RAV4 resulting from colliding with a stationary object or other vehicle. A deductible applies then your collision coverage will kick in.

Collision can pay for things such as hitting a parking meter, crashing into a ditch, colliding with another moving vehicle, driving through your garage door and crashing into a building. This coverage can be expensive, so analyze the benefit of dropping coverage from lower value vehicles. You can also raise the deductible to get cheaper collision coverage.

Medical payments coverage and PIP

Medical payments and Personal Injury Protection insurance provide coverage for short-term medical expenses such as ambulance fees, surgery, nursing services, doctor visits and hospital visits. They are used to cover expenses not covered by your health insurance policy or if you are not covered by health insurance. Coverage applies to all vehicle occupants and will also cover any family member struck as a pedestrian. Personal injury protection coverage is only offered in select states but can be used in place of medical payments coverage

Uninsured/Underinsured Motorist coverage

This provides protection from other motorists when they are uninsured or don’t have enough coverage. It can pay for injuries to you and your family and damage to your Toyota RAV4.

Due to the fact that many drivers carry very low liability coverage limits, it doesn’t take a major accident to exceed their coverage limits. This is the reason having UM/UIM coverage should not be overlooked.

Auto liability insurance

Liability coverage can cover injuries or damage you cause to a person or their property by causing an accident. It protects YOU from legal claims by others. Liability doesn’t cover your injuries or vehicle damage.

Liability coverage has three limits: per person bodily injury, per accident bodily injury, and a property damage limit. You commonly see policy limits of 50/100/50 that means you have a $50,000 limit per person for injuries, $100,000 for the entire accident, and a limit of $50,000 paid for damaged property.

Liability coverage pays for things such as structural damage, funeral expenses, medical services, pain and suffering and legal defense fees. The amount of liability coverage you purchase is your choice, but buy as large an amount as possible.

Comprehensive coverage

This coverage pays for damage that is not covered by collision coverage. A deductible will apply and then insurance will cover the rest of the damage.

Comprehensive insurance covers things like vandalism, a tree branch falling on your vehicle, a broken windshield and theft. The maximum amount you’ll receive from a claim is the actual cash value, so if the vehicle is not worth much it’s not worth carrying full coverage.

Comments About 2018 Toyota RAV4 Insurance

  1. Raleigh Gould

    Will Progressive raise rates for a rock chip claim?

  2. Elene Lang

    It’s all a rip off. Live in Charleston, WV. Can’t remember who all I quoted but I ended up saving about $70 each month. Online quotes are the way to go.

  3. Toni Cohen

    I’m looking for cheaper coverage. I’m from Aurora, Colorado. Not sure of all the companies but I ended up saving about $50 each month. Left 21st Century to switch.

  4. Ryann Barrett

    From a town just southwest of Mobile, Alabama. I got free prices from American Family, Eastwood, and Safeco for my 2018 Toyota RAV4 and saved $568 a year. Was with Erie. They have a lot of discounts available. Not sure if rates are cheaper online or not.

  5. Bernard Gonzales

    If you have a good history and live near Fairbanks, Alaska, check out Allstate. You might get cheaper rates. Left Amica to switch. Thankfully I’m not a high risk driver.

  6. Hanna Coleman

    I think I’m paying too much. Quoted with Hanover for my Toyota and am saving around $290 a year.

  7. Jeniffer Bean

    Not sure if this is cheap. Proud to be from Portland, Oregon. Received prices from 21st Century, AIG Insurance, Erie, and The General for my RAV4 and I’m now saving $23 a month. I quoted rates online then called them.

  8. Renetta Burke

    Not sure if this is cheap. I live in Lexington, Kentucky. Got rates from USAA, Amica, Liberty Mutual, and Mercury for my 2018 Toyota RAV4 and saved $502 a year. Left Erie to switch. Good multi-policy discounts.