Compare 1997 Toyota RAV4 Car Insurance Quotes

Buyers have lots of choices when searching for low-cost Toyota RAV4 insurance. You can either waste hours driving around to get rate comparisons or save time using the internet to get rate quotes.

There are both good and bad ways to compare insurance rates so we’re going to tell you the absolute fastest way to compare rates for a Toyota and locate the cheapest rates either online or from local insurance agents.

The most recommended method to get rate comparisons is to know the trick all the major auto insurance companies pay for the opportunity to give you rate quotes. All consumers are required to do is take a few minutes to give details like whether the vehicles are used for commuting, if the car is leased, the ages of drivers, and the type of vehicles you drive. That information gets sent immediately to multiple companies and you get price estimates almost instantly.

Insurance policy discounts

Insurance is not an enjoyable expense, but there could be available discounts that can help lower your rates. Some discounts apply automatically when you complete an application, but some need to be manually applied before you will receive the discount.

• Claim-Free Discount – Drivers who don’t have accidents pay much less when compared with frequent claim filers.
• Telematics Devices – Insureds who allow driving data collection to track their driving habits by installing a telematics device like Allstate’s Drivewise might get better premium rates if they have good driving habits.
• Safety Course Discount – Taking part in a defensive driving course is a good idea and can lower rates and make you a better driver.
• Safe Driver Discounts – Drivers without accidents can get discounts for up to 45% lower rates on RAV4 insurance compared to accident prone drivers.
• Low Mileage Discounts – Keeping the miles down on your Toyota could earn discounted prices on garaged vehicles.
• Payment Discounts – If paying your policy premium upfront rather than paying in monthly installments you can avoid monthly service charges.
• Federal Government Employee – Having worked for a branch of the government may qualify for a discount when you quote car insurance on RAV4 insurance depending on your company.

Please keep in mind that some credits don’t apply to the overall cost of the policy. Most only cut specific coverage prices like liability, collision or medical payments. Even though it may seem like all those discounts means the company will pay you, that’s just not realistic.

A few of the larger companies and a partial list of their discounts are shown below.

• State Farm may include discounts for good student, Drive Safe & Save, Steer Clear safe driver discount, defensive driving training, multiple policy, and passive restraint.
• Geico offers discounts including good student, air bags, membership and employees, emergency military deployment, anti-lock brakes, driver training, and five-year accident-free.
• Allstate discounts include multi-policy, passive restraint, utility vehicle, auto/life discount, early signing, and economy car.
• SAFECO may have discounts that include teen safe driver, drive less, bundle discounts, multi-car, accident prevention training, anti-theft, and homeowner.
• Farm Bureau policyholders can earn discounts including driver training, multi-policy, safe driver, 55 and retired, and good student.
• Progressive has savings for continuous coverage, online quote discount, good student, multi-policy, and homeowner.
• AAA offers premium reductions for multi-car, good student, AAA membership discount, anti-theft, education and occupation, good driver, and multi-policy.

When comparing rates, check with every prospective company the best way to save money. Some of the earlier mentioned discounts may not apply to policyholders in your area.

How do I know if I need professional advice?

When buying proper insurance coverage for your personal vehicles, there isn’t really a “perfect” insurance plan. Every insured’s situation is different.

For example, these questions may help highlight if your insurance needs may require specific advice.

• Is upholstery damage covered by car insurance?
• Do I have coverage if my license is suspended?
• Can I get a multi-policy discount for packaging my home and auto coverage?
• Do I need medical payments coverage since I have good health insurance?
• Is my teenager covered with friends in the car?
• How many claims can I have before being cancelled?
• What are the best liability limits?

If it’s difficult to answer those questions but one or more may apply to you, you might consider talking to a licensed insurance agent. To find lower rates from a local agent, fill out this quick form. It is quick, free and can help protect your family.

Insurance policy coverages for a Toyota RAV4

Knowing the specifics of a insurance policy can help you determine the best coverages and proper limits and deductibles. Policy terminology can be confusing and reading a policy is terribly boring.

Comprehensive insurance

Comprehensive insurance pays to fix your vehicle from damage that is not covered by collision coverage. You need to pay your deductible first and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive insurance covers claims like a tree branch falling on your vehicle, vandalism, a broken windshield, damage from a tornado or hurricane and fire damage. The highest amount a insurance company will pay at claim time is the market value of your vehicle, so if the vehicle’s value is low it’s not worth carrying full coverage.

Coverage for medical expenses

Med pay and PIP coverage reimburse you for expenses like ambulance fees, chiropractic care, X-ray expenses and pain medications. They are often used in conjunction with a health insurance plan or if you do not have health coverage. It covers both the driver and occupants as well as getting struck while a pedestrian. Personal injury protection coverage is only offered in select states but can be used in place of medical payments coverage

Liability coverage

Liability coverage can cover injuries or damage you cause to people or other property in an accident. It protects you against claims from other people. It does not cover damage to your own property or vehicle.

Coverage consists of three different limits, per person bodily injury, per accident bodily injury, and a property damage limit. You commonly see policy limits of 100/300/100 which means a $100,000 limit per person for injuries, a per accident bodily injury limit of $300,000, and a limit of $100,000 paid for damaged property. Alternatively, you may have a combined limit which provides one coverage limit rather than limiting it on a per person basis.

Liability coverage pays for things like repair bills for other people’s vehicles, structural damage, medical expenses, funeral expenses and repair costs for stationary objects. The amount of liability coverage you purchase is a personal decision, but consider buying as much as you can afford.

Coverage for uninsured or underinsured drivers

Your UM/UIM coverage provides protection from other drivers when they do not carry enough liability coverage. It can pay for injuries sustained by your vehicle’s occupants and also any damage incurred to your 1997 Toyota RAV4.

Due to the fact that many drivers only carry the minimum required liability limits, it doesn’t take a major accident to exceed their coverage limits. That’s why carrying high Uninsured/Underinsured Motorist coverage should not be overlooked. Frequently the UM/UIM limits are similar to your liability insurance amounts.

Collision coverage protection

This coverage covers damage to your RAV4 from colliding with another vehicle or an object, but not an animal. You will need to pay your deductible then the remaining damage will be paid by your insurance company.

Collision coverage protects against things like crashing into a building, damaging your car on a curb, sustaining damage from a pot hole, rolling your car and scraping a guard rail. This coverage can be expensive, so analyze the benefit of dropping coverage from lower value vehicles. Another option is to raise the deductible to bring the cost down.