View 1996 Toyota RAV4 Insurance Quotes

Pretty sure you bought an overpriced car insurance policy? Believe me when I say many consumers are in the same pinch.

Due to the abundance of insurance providers from which to choose, it can be diffult for drivers to find a lower cost car insurance provider.

The purpose of this post is to tell you how to get online quotes. If you are paying for car insurance now, you should be able to save some money using this information. But consumers need to learn the methods companies use to determine prices and use this information to your advantage.

Lower rates by qualifying for discounts

Companies that sell car insurance don’t always advertise every discount they offer in a way that’s easy to find, so the following list contains both well-publicized and the more hidden credits that may apply to you.

• Multiple Vehicles – Purchasing coverage when you have all your vehicles on a single policy could earn a price break for each car.
• Sign Early and Save – Some insurance companies reward drivers for renewing your policy prior to the expiration date on your current policy. This discount can save up to 10%.
• Anti-lock Brakes – Cars, trucks, and SUVs with ABS braking systems or traction control can reduce accidents and will save you 10% or more.
• Discount for Home Ownership – Owning a house can save a few bucks since owning and maintaining a home shows financial diligence.
• Accident Waiver – Not necessarily a discount, but companies like Geico and Liberty Mutual will allow you to have one accident before your rates go up as long as you don’t have any claims before the accident.
• Defensive Driver Discount – Completing a driver safety course may get you a small discount if you qualify.
• Senior Citizen Rates – Older drivers can get a discount up to 10% for RAV4 coverage.
• Life Insurance – If the company offers life insurance, you could get a discounted insurance rate on car insurance if you buy a life insurance policy as well.
• Discounts for Seat Belt Usage – Drivers who require all occupants to buckle up could cut 10% or more on medical payment and PIP coverage.
• Theft Prevention System – Cars equipped with anti-theft or alarm systems are stolen less frequently and will save you 10% or more.

A little note about advertised discounts, many deductions do not apply to your bottom line cost. Most cut the price of certain insurance coverages like liability and collision coverage. Even though the math looks like it’s possible to get free car insurance, you aren’t that lucky.

Some companies that may have some of the discounts shown above include:

• State Farm
• Progressive
• Progressive
• MetLife
• Farm Bureau
• Geico
• SAFECO

If you are trying to find cheap insurance coverage quotes, ask all the companies which discounts you may be entitled to. Some of the discounts discussed earlier might not be offered in your state. To find companies with the best discounts, click here to view.

The quickest method we recommend to compare car insurance company rates is to realize almost all companies have advanced systems to provide you with a free rate quote. To get started, all you need to do is provide details including distance driven, how old drivers are, deductibles desired, and if the car is leased. That information gets transmitted to multiple companies and you will receive price estimates within a short period of time.

To find lower rates now, click here and complete the form.

Car insurance is unique, just like you

When choosing the best car insurance coverage for your personal vehicles, there really is not a best way to insure your cars. Your needs are not the same as everyone else’s so your insurance needs to address that. For example, these questions might help in determining if your insurance needs may require specific advice.

• Is my teenager covered with friends in the car?
• Is pleasure use cheaper than using my 1996 Toyota RAV4 to commute?
• If I drive on a suspended license am I covered?
• Do I need motorclub coverage?
• Does my insurance cover a custom paint job?
• Can I rent a car in Mexico?

If it’s difficult to answer those questions but you think they might apply to your situation, you may need to chat with an insurance agent. If you want to speak to an agent in your area, fill out this quick form or go to this page to view a list of companies.

Insurance coverages explained

Understanding the coverages of your insurance policy can help you determine the right coverages and proper limits and deductibles. Policy terminology can be difficult to understand and coverage can change by endorsement. These are typical coverages available from insurance companies.

Coverage for medical expenses

Personal Injury Protection (PIP) and medical payments coverage pay for expenses such as chiropractic care, nursing services, hospital visits, pain medications and dental work. They are used to cover expenses not covered by your health insurance policy or if you lack health insurance entirely. They cover not only the driver but also the vehicle occupants and also covers any family member struck as a pedestrian. PIP coverage is not available in all states but it provides additional coverages not offered by medical payments coverage

Coverage for uninsured or underinsured drivers

This protects you and your vehicle’s occupants from other motorists when they are uninsured or don’t have enough coverage. It can pay for hospital bills for your injuries as well as your vehicle’s damage.

Because many people have only the minimum liability required by law, it doesn’t take a major accident to exceed their coverage limits. So UM/UIM coverage is a good idea. Usually these coverages are set the same as your liablity limits.

Liability car insurance

Liability insurance will cover damage or injury you incur to a person or their property in an accident. It protects you from claims by other people, and doesn’t 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. As an example, you may have policy limits of 100/300/100 that translate to $100,000 bodily injury coverage, a total of $300,000 of bodily injury coverage per accident, and a limit of $100,000 paid for damaged property. Occasionally you may see one number which is a combined single limit which combines the three limits into one amount rather than limiting it on a per person basis.

Liability coverage protects against claims like legal defense fees, repair bills for other people’s vehicles, loss of income and emergency aid. The amount of liability coverage you purchase is a personal decision, but consider buying higher limits if possible.

Coverage for collisions

This pays to fix your vehicle from damage from colliding with a stationary object or other vehicle. You have to pay a deductible then the remaining damage will be paid by your insurance company.

Collision insurance covers claims such as hitting a parking meter, backing into a parked car, colliding with a tree and damaging your car on a curb. Collision coverage makes up a good portion of your premium, so analyze the benefit of dropping coverage from older vehicles. Drivers also have the option to bump up the deductible to save money on collision insurance.

Comprehensive insurance

Comprehensive insurance pays for damage OTHER than collision with another vehicle or object. You need to pay your deductible first and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive insurance covers claims like hitting a deer, fire damage, damage from flooding and vandalism. The maximum amount a insurance company will pay at claim time is the market value of your vehicle, so if it’s not worth much more than your deductible consider dropping full coverage.

In Summary

As you quote insurance coverage, make sure you don’t sacrifice coverage to reduce premiums. There have been many situations where drivers have reduced physical damage coverage only to regret that it was a big mistake. The proper strategy is to purchase a proper amount of coverage at the best price while still protecting your assets.

In this article, we presented a lot of ways to get a better price on 1996 Toyota RAV4 insurance. The most important thing to understand is the more times you quote, the better your chances of lowering your premium rates. You may even find the biggest savings come from an unexpected company. Some small companies often have lower premium rates on specific markets than the large multi-state companies such as Progressive or Geico.

Helpful resources

• What are my Rights when Filing a Claim? (Insurance Information Insitute)
• Who Has Affordable Auto Insurance Quotes for a Toyota RAV4 in Atlanta? (AtlantaMetroInsurance.com)
• Cellphones, Texting and Driving (iihs.org)
• Distracted Driving Statistics (Insurance Information Insitute)
• Understanding Rental Car Insurance (Insurance Information Insitute)
• Air Bags: Potential Dangers to Your Children (Insurance Information Insitute)