Lower Your 2006 Toyota RAV4 Insurance Quotes

Searching for cheaper car insurance rates for your Toyota RAV4? There isn’t a single person who enjoys paying for car insurance, especially knowing the cost is too high. Many auto insurance companies compete for your insurance dollar, so it’s not easy to compare every insurance company to get the cheapest price

If you have a current insurance policy or are looking for a new policy, you can use these tips to get lower rates and possibly find even better coverage. Choosing the best insurance company for you is not that difficult. Drivers just need to learn the proper methods to shop online.

Auto insurance policy discounts

Not too many consumers would say auto insurance is affordable, but companies offer discounts that you may not even know about. Many discounts should be triggered when you get a quote, but once in a while a discount must be specifically requested before you will receive the discount. If you’re not getting every credit possible, you could be saving more on your auto insurance.

• 55 and Retired – Drivers that qualify as senior citizens may receive lower premium rates for RAV4 coverage.
• Anti-theft System – Anti-theft and alarm system equipped vehicles are stolen less frequently and therefore earn up to a 10% discount.
• Defensive Driver Discounts – Taking part in a class that teaches driver safety techniques is a good idea and can lower rates and easily recoup the cost of the course.
• Save with More Vehicles Insured – Buying insurance for primary and secondary vehicles on one policy can reduce the rates for all insured vehicles.
• Seat Belt Usage – Requiring all passengers to wear their seat belts can save up to 10 percent (depending on the company) on the premium charged for medical payments and/or PIP.
• Savings for New Vehicles – Insuring a vehicle that is new can get you a discount because new vehicles keep occupants safer.
• Early Signing – Some larger companies give discounts for switching to them before your current policy expires. The savings is around 10%.
• Paperless Signup – Many auto insurance companies will give you a small discount for buying your policy on the web.
• Data Collection Discounts – Insureds who allow driving data collection to study vehicle usage through the use of a telematics system like Allstate’s Drivewise might see lower rates as long as they are good drivers.
• Discount for Good Grades – A discount for being a good student may save as much as 25% on a insurance quote. This discount can apply up until you turn 25.

Remember that many deductions do not apply to your bottom line cost. Some only apply to individual premiums such as liability and collision coverage. So even though it sounds like adding up those discounts means a free policy, you aren’t that lucky.

Popular auto insurance companies and their possible discounts are included below.

• State Farm includes discounts for anti-theft, multiple policy, Steer Clear safe driver discount, defensive driving training, multiple autos, and accident-free.
• Geico offers discounts including five-year accident-free, air bags, federal employee, anti-theft, driver training, emergency military deployment, and good student.
• Progressive has savings for continuous coverage, online quote discount, multi-policy, homeowner, good student, and multi-vehicle.
• 21st Century offers discounts for air bags, good student, defensive driver, theft prevention, teen driver, anti-lock brakes, and homeowners.
• American Family may offer discounts for multi-vehicle, air bags, TimeAway discount, Steer into Savings, and bundled insurance.
• The Hartford may have discounts that include air bag, defensive driver, good student, bundle, and anti-theft.
• AAA discounts include pay-in-full, anti-theft, good driver, AAA membership discount, and multi-policy.

Before you buy a policy, ask each company or agent which credits you are entitled to. A few discounts might not be offered in your state. To locate auto insurance companies that offer discounts, click here.

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Shop insurance coverage online

Getting a cheaper price on 2006 Toyota RAV4 insurance isn’t really that difficult. You just need to invest a few minutes getting comparison quotes from some recommended companies. Comparing prices online can be done in a couple of different ways.

• Without a doubt, the easiest way to get the best comparison quotes is a comparison rater form like this one (opens in new window). This quick form eliminates the need for boring form submissions for every insurance coverage company. Just one form gets prices estimates instantly.
• A harder way to analyze rates consists of going to the website of each company and repeat the quote process. For example, let’s assume you want to see prices from Nationwide, Progressive and Farmers. You would need to spend time going to each site individually and punch in your information repeatedly, which is not fast way to get rate quotes.

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

You can choose any of those ways to find more affodable coverage, but do your best to use the same coverages and limits for every quote you compare. If you have different limits and deductibles on each one you will not be able to determine which rate is truly the best.

Why smart consumers pay less for Toyota RAV4 insurance

Many factors are taken into consideration when you get your auto insurance bill. Most are fairly basic like your driving record, but other factors are not quite as obvious like your vehicle usage and annual miles driven.

The following are some of the things used by insurance companies to determine prices.

• Premiums increase with driving tickets – Even a single citation could increase your next policy renewal twenty percent or more. Drivers who don’t get tickets get better rates compared to bad drivers. Drivers who have gotten severe violations like DUI, reckless driving or excessive speeding may find they need to submit a SR-22 or proof of financial responsibility with their state DMV in order to continue driving.
• More policies can equal more savings – Most major insurers provide a discount to customers who have multiple policies with them such as combining an auto and homeowners policy. Discounts can amount to five, ten or even twenty percent. Even with this discount applied, consumers should still comparison shop to confirm you are receiving the best rates possible. It’s possible to still save even more than the discount even if you insure with multiple companies
• Being married brings a discount – Having a wife or husband helps lower the price when buying car insurance. It means you’re more mature it has been statistically shown that drivers who are married file infrequent claims.
• Rural vs Urban Areas – Having an address in areas with lower population can save you money when trying to find low car insurance rates. City drivers tend to have more aggressive driving styles and much longer commute distances. Fewer drivers and short commutes means less chance of accidents and also fewer theft and vandalism claims.

How do I know if I need professional advice?

When it comes to choosing coverage for your personal vehicles, there is no best way to insure your cars. Everyone’s situation is unique so your insurance needs to address that. For example, these questions might help in determining if you might need professional guidance.

• When should I buy a commercial auto policy?
• Are there companies who specialize in insuring high-risk drivers?
• Am I covered when driving on a suspended license?
• Why is insurance for a teen driver so high?
• How much liability do I need to cover my assets?
• What if I don’t agree with a claim settlement offer?
• Do I get a pro-rated refund if I cancel my policy early?

If you don’t know the answers to these questions but one or more may apply to you, you may need to chat with a licensed insurance agent. If you don’t have a local agent, simply complete this short form or you can go here for a list of companies in your area. It is quick, free and can provide invaluable advice.

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Auto insurance coverages 101

Knowing the specifics of auto insurance aids in choosing appropriate coverage and the correct deductibles and limits. Auto insurance terms can be confusing and nobody wants to actually read their policy. Listed below are the normal coverages available from auto insurance companies.

Comprehensive auto insurance

Comprehensive insurance pays for damage caused by mother nature, theft, vandalism and other events. A deductible will apply and then insurance will cover the rest of the damage.

Comprehensive insurance covers things like hitting a deer, a tree branch falling on your vehicle, rock chips in glass and hitting a bird. The maximum payout your auto insurance company will pay is the actual cash value, so if your deductible is as high as the vehicle’s value it’s probably time to drop comprehensive insurance.

Coverage for collisions

This coverage covers damage to your RAV4 caused by collision with an object or car. A deductible applies and the rest of the damage will be paid by collision coverage.

Collision insurance covers things such as sideswiping another vehicle, damaging your car on a curb, crashing into a building and hitting a parking meter. This coverage can be expensive, so you might think about dropping it from lower value vehicles. Another option is to increase the deductible to save money on collision insurance.

Coverage for uninsured or underinsured drivers

This coverage protects you and your vehicle’s occupants from other motorists when they either are underinsured or have no liability coverage at all. This coverage pays for injuries to you and your family as well as your vehicle’s damage.

Due to the fact that many drivers have only the minimum liability required by law, their limits can quickly be used up. For this reason, having high UM/UIM coverages is a good idea.

Auto liability insurance

Liability insurance can cover damage that occurs to other’s property or people in an accident. It protects YOU from legal claims by others, and doesn’t cover damage sustained by your vehicle in an accident.

Coverage consists of three different limits, bodily injury per person, bodily injury per accident and property damage. Your policy might show policy limits of 100/300/100 that means you have a limit of $100,000 per injured person, a per accident bodily injury limit of $300,000, and a total limit of $100,000 for damage to vehicles and property.

Liability insurance covers claims such as court costs, medical expenses, medical services, legal defense fees and bail bonds. How much liability should you purchase? That is up to you, but you should buy higher limits if possible.

Coverage for medical expenses

Personal Injury Protection (PIP) and medical payments coverage provide coverage for expenses for things like ambulance fees, doctor visits, chiropractic care and prosthetic devices. They are often used to fill the gap from your health insurance policy or if you are not covered by health insurance. Medical payments and PIP cover both the driver and occupants in addition to getting struck while a pedestrian. Personal Injury Protection is not universally available and may carry a deductible

Have money to burn

As you quote insurance, do not skimp on critical coverages to save a buck or two. There have been many situations where drivers have reduced liability limits or collision coverage and learned later that it was a big error on their part. The proper strategy is to purchase plenty of coverage at the lowest possible cost while still protecting your assets.

You just learned many ways to save on 2006 Toyota RAV4 insurance. The most important thing to understand is the more price quotes you have, the better chance you’ll have of finding the cheapest insurance. You may even discover the best prices are with an unexpected company. These companies can often provide lower rates in certain areas than the large multi-state companies such as Geico and State Farm.

Other resources

• Vehicle Size and Weight FAQ (iihs.org)
• Who Has Cheap San Diego Auto Insurance for a Toyota RAV4? (SanDiegoCoverage.com)
• Electronic Stability Control FAQ (iihs.org)
• How to Avoid Staged Accidents (State Farm)
• Keeping Children Safe in Crashes Video (iihs.org)
• Credit and Insurance Scores (Insurance Information Insitute)
• Distracted Driving Extends Beyond Texting (State Farm)

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