2016 Toyota RAV4 Hybrid Insurance Quotes – 9 Ideas for Best Rates

If you are a novice to online car insurance shopping, it’s easy to be bewildered by the crazy number of online car insurance companies and websites competing for business.

This article will teach you how to get online quotes. If you are paying for car insurance now, you will be able to cut costs considerably using this information. Although vehicle owners do need to learn how the larger insurance companies determine prices and take advantage of how the system works.

More discounts mean cheaper premiums

Car insurance companies don’t always publicize every available discount in an easy-to-find place, so the list below gives a summary of a few of the more well known and also the more inconspicuous discounts you could be receiving when you buy car insurance online.

• Low Mileage – Driving fewer miles could qualify for better rates on cars that stay parked.
• Include Life Insurance and Save – Select insurance companies reward you with a discount if you purchase some life insurance too.
• Student Discount for Driver Training – Make teen driver coverage more affordable by requiring them to complete a driver education course as it will make them better drivers and lower rates.
• Paper-free Discount – Some of the larger companies provide a small discount for completing your application on their website.
• Anti-lock Brake System – Cars and trucks that have anti-lock braking systems prevent accidents and therefore earn up to a 10% discount.
• No Claims – Insureds with no claims or accidents get the best insurance rates as compared to frequent claim filers.
• Switch and Save Discount – Select insurance companies give a discount for buying a new policy before your current coverage expires. The savings is around 10%.
• Own a Home – Owning a home may earn you a small savings since owning and maintaining a home is proof of financial responsibility.
• Theft Deterent System – Cars and trucks equipped with tracking devices and advanced anti-theft systems are less likely to be stolen and will qualify for a discount on a car insurance quote.

A quick disclaimer, some of the credits will not apply to all coverage premiums. Most only reduce the price of certain insurance coverages like collision or personal injury protection. So when it seems like all those discounts means the company will pay you, company stockholders wouldn’t be very happy.

A few of the larger companies and a selection of discounts are included below.

• Esurance offers discounts including Pac-12 alumni, DriveSense, anti-lock brakes, defensive driver, Switch & Save, online shopper, and anti-theft.
• The Hartford offers premium reductions for good student, bundle, driver training, anti-theft, and vehicle fuel type.
• AAA may have discounts that include education and occupation, anti-theft, good driver, pay-in-full, multi-car, multi-policy, and AAA membership discount.
• Geico may offer discounts for seat belt use, federal employee, daytime running lights, driver training, multi-policy, good student, and anti-lock brakes.
• State Farm has discounts for anti-theft, multiple autos, good driver, safe vehicle, accident-free, good student, and passive restraint.

If you want affordable car insurance quotes, ask every prospective company which discounts you qualify for. Savings may not be offered everywhere. To find insurers who offer discounts, click here to view.

It’s not one size fits all

When choosing coverage, there really is no “perfect” insurance plan. Every situation is different.

Here are some questions about coverages that may help highlight whether or not you will benefit from professional help.

• Does coverage extend to Mexico or Canada?
• What is an SR-22 filing?
• Is business property covered if stolen from my car?
• Does my liability insurance cover pulling a trailer or camper?
• Does my 2016 Toyota RAV4 Hybrid qualify for pleasure use?
• When can my company non-renew my policy?
• Can I get a multi-policy discount?
• What are the financial responsibility laws in my state?

If you don’t know the answers to these questions, you might consider talking to a licensed agent. If you don’t have a local agent, complete this form.

What insurance coverages do you need?

Having a good grasp of insurance can be of help when determining appropriate coverage for your vehicles. Insurance terms can be ambiguous and reading a policy is terribly boring.

Liability insurance

This will cover damage that occurs to people or other property. This insurance protects YOU from claims by other people. Liability doesn’t cover your injuries or vehicle damage.

Split limit liability has three limits of coverage: per person bodily injury, per accident bodily injury, and a property damage limit. Your policy might show limits of 100/300/100 which stand for a $100,000 limit per person for injuries, a limit of $300,000 in injury protection per accident, and a total limit of $100,000 for damage to vehicles and property. Alternatively, you may have a combined limit which combines the three limits into one amount and claims can be made without the split limit restrictions.

Liability insurance covers things like court costs, funeral expenses, emergency aid and repair bills for other people’s vehicles. How much coverage you buy is up to you, but buy higher limits if possible.

Coverage for medical expenses

Coverage for medical payments and/or PIP reimburse you for immediate expenses such as EMT expenses, rehabilitation expenses and prosthetic devices. They are often used in conjunction with a health insurance policy or if you are not covered by health insurance. Coverage applies to not only the driver but also the vehicle occupants and also covers if you are hit as a while walking down the street. Personal injury protection coverage is not universally available but can be used in place of medical payments coverage

Comprehensive insurance

This pays for damage caused by mother nature, theft, vandalism and other events. You need to pay your deductible first then your comprehensive coverage will pay.

Comprehensive insurance covers claims such as fire damage, hitting a bird, damage from flooding, a broken windshield and hitting a deer. The most you can receive from a comprehensive claim is the market value of your vehicle, so if the vehicle’s value is low consider removing comprehensive coverage.

Coverage for uninsured or underinsured drivers

Your UM/UIM coverage protects you and your vehicle’s occupants when the “other guys” 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.

Since a lot of drivers have only the minimum liability required by law, it doesn’t take a major accident to exceed their coverage limits. This is the reason having UM/UIM coverage is very important. Normally your uninsured/underinsured motorist coverages are similar to your liability insurance amounts.

Collision insurance

This coverage pays to fix your vehicle from damage from colliding with an object or car. You will need to pay your deductible and the rest of the damage will be paid by collision coverage.

Collision coverage pays for things such as sideswiping another vehicle, hitting a mailbox, colliding with a tree, sustaining damage from a pot hole and scraping a guard rail. This coverage can be expensive, so analyze the benefit of dropping coverage from older vehicles. Another option is to choose a higher deductible to save money on collision insurance.

Feed the piggy bank

We just showed you some good ideas how you can compare 2016 Toyota RAV4 Hybrid insurance rates online. The key thing to remember is the more providers you compare, the higher the chance of saving money. Consumers could even find that the best rates are with a small mutual company.

Insureds switch companies for a variety of reasons including unfair underwriting practices, an unsatisfactory settlement offer, policy non-renewal and even delays in paying claims. Whatever your reason, switching companies can be less work than you think.

Some auto insurance companies do not offer online quoting and these regional carriers only sell through independent agents. Cheaper 2016 Toyota RAV4 Hybrid insurance can be bought online as well as from independent agents, and you should compare price quotes from both so you have a total pricing picture.

More information is available below:

• Keeping Children Safe in Crashes Video (iihs.org)
• Electronic Stability Control FAQ (iihs.org)
• Understanding your Policy (NAIC.org)
• How to Avoid Staged Accidents (State Farm)
• What does Personal Injury Protection (PIP) Cover? (Allstate)