Lower Your 2010 Toyota RAV4 Car Insurance Cost

Trying to find lower car insurance rates for your Toyota RAV4? Wish you could get a refund on an expensive car insurance policy? It’s quite common and you are not the only one feeling buyer’s remorse.

Insurance companies such as State Farm, Farmers Insurance, Geico and Allstate promote their brand names with TV and radio ads and it is difficult to see past the corporate glitz and do the work needed to find the best deal.

How to get insurance coverage quotes

Comparing insurance coverage rates can be exhausting if you don’t utilize the fastest way to get free quotes. You can spend your afternoon talking about coverages with local insurance agents in your area, or you could save time and use online quotes to achieve your goal.

Most major companies belong to an insurance system where prospective buyers enter their policy data once, and each participating company provides a quote based on the submitted data. This saves time by eliminating form submissions for each company you want a rate for.

To find out how much you can save on insurance coverage click here (opens in new window).

The one downside to using this type of form is that you can’t choose the companies you want to price. So if you want to choose specific insurance companies to compare rates, we put together a list of low cost insurance coverage companies in your area. Click to view list.

Take whichever approach you prefer, but compare exactly the same deductibles and coverage limits for each comparison quote. If you enter different deductibles it will be very difficult to determine the lowest rate for your Toyota RAV4. Just slight variations in coverages could skew the results. It’s important to know that comparing a wide range of rates gives you a better chance of getting the best rates. Some regional insurers cannot provide prices over the internet, so you need to compare quotes from them as well.

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Cheaper rates with these insurance coverage discounts

Insurance coverage is not inexpensive, but you might already qualify for some discounts to reduce the price significantly. A few discounts will automatically apply at the time you complete a quote, but a few must be manually applied in order for you to get them. If you do not double check each discount possible, you’re just leaving money on the table.

• Defensive Driver Discount – Passing a defensive driver class could earn you a small percentage discount and make you a better driver.
• No Claims – Drivers who stay claim-free have much lower rates when compared with drivers who are more careless.
• Discount for Swiching Early – A few larger companies offer discounts for renewing your policy before your current coverage expires. You may see this discount when you get auto insurance quotes online.
• Anti-theft Discount – Vehicles that have factory alarm systems and tracking devices help deter theft and earn discounts up to 10% off your auto insurance quote.
• Data Collection Discounts – Drivers who elect to allow their insurance coverage company to study driving manner by using a telematics device such as Snapshot from Progressive or Drivewise from Allstate could see a rate decrease if they are good drivers.
• College Student Discount – Kids who live away from home to go to college and do not have access to a covered vehicle could get you a discount.
• E-sign – A handful of companies will discount your bill up to fifty bucks just for signing your application on their website.

A little note about advertised discounts, most credits do not apply the the whole policy. Most only apply to specific coverage prices like collision or personal injury protection. So when it seems like you can get free auto insurance, you won’t be that lucky.

Car insurance companies that may offer policyholders most of these discounts include:

• 21st Century
• State Farm
• AAA
• Liberty Mutual
• Progressive

If you want low cost auto insurance quotes, ask each insurance company the best way to save money. Some credits may not apply in your area. To see a list of insurers with discount insurance coverage rates, click here.

Car insurance can get complicated

When buying adequate coverage for your vehicles, there really is not a cookie cutter policy. Everyone’s situation is a little different so this has to be addressed. These are some specific questions may help highlight if you could use an agent’s help.

• How high should deductibles be on a 2010 Toyota RAV4?
• Are all vehicle passengers covered by medical payments coverage?
• When should I drop full coverage on my 2010 Toyota RAV4?
• Do I need PIP (personal injury protection) coverage in my state?
• Will my insurance pay for OEM parts?
• Am I covered if my car is in a flood?
• Is a blown tire covered by insurance?
• Is my camper covered by my car insurance policy?
• Do I pay less for low miles?
• Is my nanny covered when driving my vehicle?

If you’re not sure about those questions but you think they might apply to your situation, you may need to chat with a licensed insurance agent. To find an agent in your area, simply complete this short form or you can go here for a list of companies in your area.

Informed drivers can reduce insurance rates

Consumers need to have an understanding of some of the things that play a part in calculating insurance coverage rates. If you understand what controls the rates you pay, this allows you to make educated decisions that can help you get lower rates.

Shown below are a partial list of the pieces used by companies to determine premiums.

• Incidental coverages push up rates – Insurance policies have a lot of extra coverages that can waste your money but may not be useful. Insurance for things like rental car coverage, death and dismemberment, and extra life insurance coverage may be costing you every month. These coverages may sound good when talking to your agent, but if you have no use for them eliminate them to save money.
• Marriage is a bonus – Being married can actually save you money on your insurance coverage bill. Marriage generally demonstrates drivers are more financially stable and it’s proven that drivers who are married file infrequent claims.
• Your job and insurance coverage rates – Occupations such as military personnelpolice officers and financial analysts generally pay higher rates than the rest of us attributed to stressful work requirements and lots of time spent at work. Other occupations like actors, students and performers have lower than average premiums for RAV4 coverage.
• How much liability protection do you need? – A critical coverage on your policy, liability insurance provides coverage when you are ruled to be at fault for causing damage or personal injury in an accident. It provides for a legal defense to defend your case. It is affordable coverage compared to comp and collision, so do not cut corners here.
• Cheaper prices for being claim-free – Companies provide most affordable rates to drivers who are not frequent claim filers. If you are a frequent claim filer, you can look forward to increased rates or even have your policy non-renewed. Your car insurance is designed for more catestrophic claims.
• Your age impacts your prices – Youthful drivers have a tendency to be less responsible with other occupants in the car and because of this, their insurance coverage rates are much higher. Mature drivers tend to be more responsible, tend to file fewer claims and are safer drivers.
• Save mileage and save money – The higher the mileage driven every year the more you’ll pay to insure your vehicle. A lot of insurance companies price each vehicle’s coverage based upon how the vehicle is primarily used. Cars that are left in the garage can be on a lower rate level than vehicles that have high annual mileage. Verify your insurance coverage policy properly reflects how each vehicle is driven, because improper ratings can cost you money. An improperly rated RAV4 may be costing you higher rates.
• Prices also based on gender – Statistics demonstrate women are more cautious behind the wheel. That doesn’t necessarily mean that men are WORSE drivers than women. They both get in auto accidents at about the same rate, but the males have accidents that have higher claims. They also get ticketed for serious violations such as driving while intoxicated (DWI) or driving recklessly.

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Insurance policy specifics

Having a good grasp of a insurance policy can be of help when determining appropriate coverage and proper limits and deductibles. The terms used in a policy can be confusing and even agents have difficulty translating policy wording. Listed below are typical coverages available from insurance companies.

Med pay and Personal Injury Protection (PIP)

Personal Injury Protection (PIP) and medical payments coverage provide coverage for immediate expenses such as doctor visits, funeral costs, ambulance fees, chiropractic care and prosthetic devices. They are often used in conjunction with a health insurance policy or if there is no health insurance coverage. They cover not only the driver but also the vehicle occupants in addition to getting struck while a pedestrian. PIP is not an option in every state but it provides additional coverages not offered by medical payments coverage

Liability coverages

Liability coverage protects you from damage that occurs to people or other property. It protects you from claims by other people. It does not cover your injuries or vehicle damage.

It consists of three limits, per person bodily injury, per accident bodily injury, and a property damage limit. You commonly see values of 50/100/50 that translate to a limit of $50,000 per injured person, a limit of $100,000 in injury protection per accident, and a limit of $50,000 paid for damaged property. Occasionally you may see one number which is a combined single limit which combines the three limits into one amount with no separate limits for injury or property damage.

Liability insurance covers things such as medical services, repair costs for stationary objects, bail bonds, court costs and funeral expenses. How much liability coverage do you need? That is a personal decision, but consider buying as large an amount as possible.

Uninsured/Underinsured Motorist (UM/UIM)

Uninsured or Underinsured Motorist coverage protects you and your vehicle when the “other guys” either have no liability insurance or not enough. Covered claims include injuries sustained by your vehicle’s occupants as well as damage to your 2010 Toyota RAV4.

Due to the fact that many drivers carry very low liability coverage limits, their limits can quickly be used up. For this reason, having high UM/UIM coverages is very important. Most of the time these limits are similar to your liability insurance amounts.

Coverage for collisions

This covers damage to your RAV4 caused by collision with a stationary object or other vehicle. You have to pay a deductible and then insurance will cover the remainder.

Collision coverage pays for things such as colliding with another moving vehicle, sideswiping another vehicle and crashing into a ditch. Paying for collision coverage can be pricey, so consider removing coverage from vehicles that are 8 years or older. Another option is to raise the deductible to bring the cost down.

Comprehensive insurance

Comprehensive insurance pays to fix your vehicle from damage OTHER than collision with another vehicle or object. A deductible will apply then your comprehensive coverage will pay.

Comprehensive coverage protects against things like rock chips in glass, a tree branch falling on your vehicle, falling objects, hitting a bird and fire damage. The maximum amount you’ll receive from a claim is the cash value of the vehicle, so if the vehicle’s value is low consider dropping full coverage.

One last thing about your coverage

As you go through the steps to switch your coverage, make sure you don’t buy less coverage just to save a little money. There are many occasions where an insured cut liability coverage limits only to regret at claim time that the savings was not a smart move. The goal is to purchase plenty of coverage at the lowest possible cost, but do not sacrifice coverage to save money.

We’ve covered many ways to shop for 2010 Toyota RAV4 insurance online. The key concept to understand is the more companies you get prices for, the higher your chance of finding low cost auto insurance. You may even find the biggest savings come from a lesser-known regional company. They may have significantly lower prices on certain market segments than the large multi-state companies such as Geico and State Farm.

There are still a few companies who do not provide the ability to get quotes online and most of the time these small insurance companies only sell through local independent agents. Cheap 2010 Toyota RAV4 insurance is possible both online in addition to local insurance agencies, and you need to comparison shop both to have the best chance of lowering rates.

Additional insurance coverage information is available on the following sites:

• Understanding Limits and Deductibles (Allstate)
• Who Has the Cheapest Lubbock Auto Insurance Quotes for a Toyota RAV4? (LubbockCoverage.com)
• How Much is Auto Insurance for a Toyota RAV4 in Arlington? (ArlingtonCoverage.com)
• Who Has Cheap San Diego Auto Insurance for a Toyota RAV4? (SanDiegoCoverage.com)
• Insurance Losses by Make and Model (iihs.org)
• Should I Purchase an Umbrella Liability Policy? (Insurance Information Insitute)
• Car Insurance: When not to Skimp (BankRate.com)
• Drunk Driving Statistics (Insurance Information Insitute)

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