1999 Toyota RAV4 Insurance Quotes – 8 Savings Tips

Drivers have lots of choices when trying to find the best price on Toyota RAV4 insurance. You can either waste hours driving around to compare prices or save time using the internet to compare rates. There is a better way to compare insurance coverage rates and you need to know the absolute fastest way to compare rates on a Toyota and locate the cheapest rates from local insurance agents and online providers.

If you have a policy now or are looking for a new policy, you can follow these tips to find better prices while maintaining coverages. This information will teach you how car insurance quotes work and some money-saving tips. Consumers just need to understand the most efficient way to compare prices over the internet.

Low cost insurance prices

Finding more affordable insurance rates is actually easier than you may think. Consumers just need to spend a few minutes to compare free insurance coverage quotes from different insurance companies. It’s super easy and can be done by following the guidelines below.

1. Hands down the most simple method consumers can analyze rates would be an industry-wide quote request form like this one (opens in new window). This type of form saves time by eliminating multiple quote forms for each company. One form gets you coverage quotes instantly. It’s the fastest way to compare.
2. A more time consuming way to get quotes online requires a trip to each company website and repeat the quote process. For examples sake, let’s assume you want to compare prices for Progressive, Safeco and Liberty Mutual. To get rate quotes you would need to take the time to go to each site to input your insurance information, which can take a lot of time.

   For a list of companies in your area, click here.

3. The old school way to compare price estimates is driving to insurance agents’ offices. Comparing rate quotes online reduces the need to sit down with an agent unless you require the advice and guidance of a local agent. It is possible to price shop online but buy from a local insurance agent.

Compare rates however you want, just be certain you are entering the exact same information on every quote you get. If you are comparing unequal deductibles or liability limits it will be very difficult to determine the best price for your Toyota RAV4.

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Get affordable car insurance rates with discounts

Car insurance is easily one of your largest bills, but there could be available discounts that could help you make your next renewal payment. Certain discounts will be triggered automatically when you complete an application, but once in a while a discount must be specially asked for prior to receiving the credit. If you aren’t receiving every discount available, you’re paying more than you need to.

• Telematics Data – Policyholders that allow driving data collection to study when and where they use their vehicle by installing a telematics device like Allstate’s Drivewise might get better premium rates if they exhibit good driving behavior.
• Life Insurance – Select companies reward you with lower premium rates if you buy life insurance.
• Full Payment Discount – If you pay your bill all at once rather than spreading payments over time you can actually save on your bill.
• Active Service Discounts – Being on active deployment in the military can result in better premium rates.
• Online Discount – A few insurance companies will provide an incentive get insurance coverage over the internet.
• Seat Belt Discounts – Drivers who require all occupants to wear their seat belts may be able to save a few bucks off the personal injury premium cost.
• Sign Early and Save – Some larger companies reward drivers for switching policies prior to the expiration date on your current policy. You could save around 10% when you buy insurance coverage online.
• Senior Discount – Seniors may be able to get reduced rates on RAV4 insurance.

As a sidenote, some credits don’t apply to all coverage premiums. The majority will only reduce specific coverage prices like comprehensive or collision. So even though they make it sound like adding up those discounts means a free policy, it’s just not the way it works.

The best car insurance companies and the discounts they provide include:

• Progressive discounts include good student, multi-vehicle, online quote discount, multi-policy, online signing, and homeowner.
• MetLife may have discounts that include claim-free, good driver, defensive driver, accident-free, and multi-policy.
• Mercury Insurance has savings for type of vehicle, ease of repair, location of vehicle, multi-policy, multi-car, good student, and accident-free.
• Nationwide offers discounts for good student, multi-policy, defensive driving, anti-theft, and family plan.
• Geico offers premium reductions for multi-vehicle, defensive driver, air bags, seat belt use, and membership and employees.
• AAA policyholders can earn discounts including multi-policy, good student, AAA membership discount, pay-in-full, anti-theft, and education and occupation.

Double check with all the companies what discounts are available to you. Some discounts listed above may not apply in your area. To find car insurance companies that offer many of these discounts, click here to view.

Tailor your auto insurance coverage to you

When it comes to choosing coverage, there isn’t really a single plan that fits everyone. Everyone’s situation is a little different.

Here are some questions about coverages that can help discover if your insurance needs could use an agent’s help.

• Do I have coverage when making deliveries for my home business?
• What can I do if my company denied a claim?
• Exactly who is provided coverage by my policy?
• Am I covered if I wreck a rental car?
• Is my Toyota RAV4 covered if I use it for business?
• Can I drive in Mexico and have coverage?
• Am I covered when driving someone else’s vehicle?
• Are all vehicle passengers covered by medical payments coverage?
• Is other people’s property covered if stolen from my vehicle?
• Is my dog or cat covered if injured in an accident?

If it’s difficult to answer those questions but one or more may apply to you then you might want to talk to a licensed insurance agent. If you want to speak to an agent in your area, take a second and complete this form. It’s fast, free and can help protect your family.

Parts of your insurance policy

Knowing the specifics of a insurance policy can be of help when determining which coverages you need at the best deductibles and correct limits. The coverage terms in a policy can be confusing and even agents have difficulty translating policy wording.

Comprehensive coverage (or Other than Collision)

Comprehensive insurance will pay to fix damage from a wide range of events other than collision. You first must pay your deductible then your comprehensive coverage will pay.

Comprehensive coverage pays for things like rock chips in glass, damage from getting keyed, hitting a bird, vandalism and damage from a tornado or hurricane. The highest amount you’ll receive from a claim is the cash value of the vehicle, so if the vehicle’s value is low it’s not worth carrying full coverage.

Collision protection

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

Collision coverage pays for things like hitting a mailbox, colliding with another moving vehicle, scraping a guard rail, hitting a parking meter and colliding with a tree. This coverage can be expensive, so you might think about dropping it from lower value vehicles. You can also choose a higher deductible to save money on collision insurance.

Uninsured Motorist or Underinsured Motorist insurance

This coverage protects you and your vehicle’s occupants from other motorists when they are uninsured or don’t have enough coverage. It can pay for medical payments for you and your occupants as well as damage to your 1999 Toyota RAV4.

Due to the fact that many drivers carry very low liability coverage limits, it only takes a small accident to exceed their coverage. For this reason, having high UM/UIM coverages is important protection for you and your family.

Liability auto insurance

Liability insurance will cover damage or injury you incur to people or other property by causing an accident. This insurance protects YOU against other people’s claims, and does not provide coverage for damage to your own property or vehicle.

Split limit liability has three limits of coverage: 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 which stand for $100,000 bodily injury coverage, a limit of $300,000 in injury protection per accident, and a total limit of $100,000 for damage to vehicles and property.

Liability can pay for claims such as legal defense fees, court costs and repair bills for other people’s vehicles. How much coverage you buy is up to you, but consider buying higher limits if possible.

Insurance for medical payments

Coverage for medical payments and/or PIP pay for expenses for chiropractic care, hospital visits, X-ray expenses and ambulance fees. The coverages can be used in conjunction with a health insurance plan or if you lack health insurance entirely. Coverage applies to all vehicle occupants in addition to being hit by a car walking across the street. Personal injury protection coverage is not universally available but it provides additional coverages not offered by medical payments coverage

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Buy Smart and Save

When trying to cut insurance costs, do not buy poor coverage just to save money. There have been many cases where an insured cut full coverage only to find out that the small savings ended up costing them much more. The goal is to purchase a proper amount of coverage at a price you can afford and still be able to protect your assets.

We’ve covered a lot of information how to shop for 1999 Toyota RAV4 insurance online. The most important thing to understand is the more rate comparisons you have, the better chance you’ll have of finding the cheapest insurance coverage. You may be surprised to find that the lowest premium rates come from a company that doesn’t do a lot of advertising.

Lower-priced insurance can be bought on the web and from local agencies, and you should be comparing both so you have a total pricing picture. Some insurance companies don’t offer price quotes online and many times these smaller companies only sell coverage through independent insurance agencies.

Other learning opportunities

• Five Mistakes to Avoid (Insurance Information Insitute)
• No-Fault Auto Insurance Statistics (Insurance Information Insitute)
• How Much Auto Coverage do I Need? (Insurance Information Insitute)
• Parking Tips to Reduce Door Dings (State Farm)

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