2017 Toyota RAV4 Car Insurance Rates

Are you at wits end from scraping nickels together each month for insurance? Your situation is no different than many other consumers. There are many auto insurance companies to buy insurance from, and though it is a good thing to have a selection, more options can take longer to find the best rates for your vehicles.

Finding affordable coverage is not that difficult. If you currently have a car insurance policy, you will most likely be able to reduce your rates substantially using these techniques. Consumers just need to know the tricks to shop their coverage around on the web.

Smart buyers save on insurance

An important part of buying insurance is that you know some of the factors that aid in calculating your auto insurance rates. If you know what positively or negatively impacts your premiums, this empowers consumers to make smart changes that can help you get better auto insurance rates. Many factors are part of the calculation when pricing auto insurance. Some are pretty understandable like your driving record, but other criteria are more transparent like where you live or how financially stable you are.

The itemized list below are a few of the “ingredients” that factor into prices.

• Don’t abuse claims – Companies provide better rates to drivers that do not abuse their auto insurance. If you file claims often, you can definitely plan on either policy cancellation or increased premiums. Your car insurance is designed for more catestrophic claims.
• Men tend to take more risk – Over the last 50 years, statistics have shown that females tend to be a little less risky than males. This data doesn’t prove that women are better drivers. They both are responsible for fender benders in similar percentages, but the males have accidents that have higher claims. Men also statistically get cited for more serious violations such as reckless driving. Youthful male drivers are most likely to cause an accident and therefore have the most expensive auto insurance rates.
• Lower rates for safer vehicles – Safer cars tend to have better insurance rates. Safe vehicles reduce occupant injuries and fewer serious injuries translates into fewer and smaller insurance claims and cheaper rates on your policy. If your Toyota RAV4 scored better than an “acceptable” rating on the Insurance Institute for Highway Safety website you may pay a lower rate.
• Use one insurance company and save – The majority of auto insurance companies will give a discount to customers who consolidate policies with them in the form of a multi-policy discount. The discount can be anywhere from five to ten percent in most cases. Even though this discount sounds good, it’s still a good idea to shop around to help guarantee you have the best rates.
• Employer stress can make you pay more – Did you know your auto insurance rates can be affected by your occupation? Occupations like doctorspolice officers and accountants tend to pay the highest rates attributed to high stress and lengthy work days. Conversely, careers like actors, historians and homemakers receive lower rates on RAV4 insurance.

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Do you qualify for discount insurance?

Car insurance companies don’t list every possible discount very well, so below is a list both well-publicized as well as the least known discounts you could be receiving when you buy insurance online.

• Telematics Discount – Drivers who agree to allow data collection to scrutinize their driving habits by installing a telematics device like Drivewise from Allstate or In-Drive from State Farm might get better premium rates if they show good driving skills.
• Accident Forgiveness – This one is not really a discount per se, but some companies like State Farm, Progressive and Geico will let one accident slide before they charge you more for coverage with the catch being you have to be claim-free prior to being involved in the accident.
• Sign Online – Some of the larger companies give back up to $50 get insurance digitally online.
• Good Driver Discount – Drivers without accidents can save up to 40% or more on their insurance quote on RAV4 insurance than less cautious drivers.
• Anti-lock Brake Discount – Anti-lock brake equipped vehicles can avoid accidents and qualify for as much as a 10% discount.
• Professional Memberships – Affiliation with a qualifying organization could earn you a nice discount on your bill.
• Federal Employees – Having worked for a branch of the government can save as much as 8% on RAV4 insurance with a few insurance companies.
• Driver Training Discounts – Taking time to complete a class that teaches driver safety techniques may get you a small discount and make you a better driver.

As a sidenote, many deductions do not apply the the whole policy. Some only reduce the cost of specific coverages such as comprehensive or collision. So despite the fact that it appears you can get free auto insurance, you’re out of luck. But all discounts will help lower the amount you have to pay.

A list of companies and their offered discounts are shown below.

• State Farm offers discounts for defensive driving training, accident-free, Steer Clear safe driver discount, multiple policy, safe vehicle, driver’s education, and passive restraint.
• Geico policyholders can earn discounts including air bags, membership and employees, anti-lock brakes, multi-vehicle, seat belt use, defensive driver, and good student.
• Liberty Mutual may offer discounts for exclusive group savings, safety features, multi-policy, new vehicle discount, and new move discount.
• The Hartford has savings for anti-theft, air bag, defensive driver, bundle, good student, driver training, and vehicle fuel type.
• MetLife may have discounts that include claim-free, multi-policy, good student, defensive driver, and good driver.
• Progressive offers premium reductions for continuous coverage, homeowner, online signing, multi-vehicle, online quote discount, and good student.

Before buying, ask every insurance company to apply every possible discount. Savings may not apply in your area.

The ad said I’d save $437 a year!

Consumers can’t get away from ads for the lowest price insurance from the likes of 21st Century, Allstate and State Farm. They all make an identical promise about savings if you just switch your coverage to them.

How can each company say the same thing? Here is the trick they use.

Different companies can use profiling for a prospective insured that earns them the most money. For example, a profitable risk profile could possibly be over the age of 40, has no driving citations, and drives a car with an anti-theft system. Any person who meets those qualifications will probably get the lowest premium rates and will cut their rates if they switch.

Potential customers who don’t qualify for these standards will probably be forced to pay higher premium rates which translates to the customer not buying. If you listen to the ad wording, they say “drivers that switch” but not “everyone who gets a quote” save that kind of money. That’s why companies can truthfully claim big savings. This emphasizes why you really should get insurance quotes as often as possible. It is just not possible to predict the company that will have the lowest rate quotes.

What insurance coverages do I need?

When it comes to buying proper insurance coverage for your vehicles, there isn’t really a best way to insure your cars. Coverage needs to be tailored to your specific needs and a cookie cutter policy won’t apply. These are some specific questions can aid in determining whether your personal situation might need professional guidance.

• Do I need an umbrella policy?
• Can my babysitter drive my car?
• When should I remove comp and collision on my 2017 Toyota RAV4?
• Am I covered by my spouse’s policy after a separation?
• Do I have coverage if my license is suspended?
• Is my cargo covered for damage or theft?
• Do I need medical payments coverage since I have good health insurance?
• Am I covered if hit by an uninsured driver?
• Will I lose any money if I cancel my policy before it expires?

If it’s difficult to answer those questions but you know they apply to you then you might want to talk to a licensed insurance agent. To find lower rates from a local agent, complete this form or you can go here for a list of companies in your area. It is quick, free and may give you better protection.

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Insurance coverage basics

Learning about specific coverages of insurance can be of help when determining which coverages you need and proper limits and deductibles. The terms used in a policy can be impossible to understand and even agents have difficulty translating policy wording. Listed below are typical coverages offered by insurance companies.

UM/UIM Coverage – Your UM/UIM coverage gives you protection from other drivers when they do not carry enough liability coverage. It can pay for injuries sustained by your vehicle’s occupants as well as your vehicle’s damage.

Since a lot of drivers carry very low liability coverage limits, it doesn’t take a major accident to exceed their coverage limits. For this reason, having high UM/UIM coverages is important protection for you and your family.

Medical costs insurance – Coverage for medical payments and/or PIP provide coverage for expenses for things like hospital visits, nursing services and pain medications. The coverages can be used to cover expenses not covered by your health insurance policy or if there is no health insurance coverage. Coverage applies to you and your occupants and also covers getting struck while a pedestrian. PIP coverage is not universally available and may carry a deductible

Comprehensive or Other Than Collision – This will pay to fix damage OTHER than collision with another vehicle or object. You first must pay your deductible and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive can pay for claims such as hitting a deer, damage from a tornado or hurricane and a tree branch falling on your vehicle. The most you can receive from a comprehensive claim is the actual cash value, so if the vehicle is not worth much consider removing comprehensive coverage.

Collision – Collision insurance pays for damage to your RAV4 resulting from a collision with an object or car. You first must pay a deductible and then insurance will cover the remainder.

Collision insurance covers claims like rolling your car, scraping a guard rail, backing into a parked car and damaging your car on a curb. Paying for collision coverage can be pricey, so consider dropping it from lower value vehicles. Another option is to raise the deductible to get cheaper collision coverage.

Liability – This coverage can cover damage that occurs to people or other property that is your fault. It protects YOU against claims from other people, 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. You might see liability limits of 50/100/50 that translate to a $50,000 limit per person for injuries, a total of $100,000 of bodily injury coverage per accident, and a total limit of $50,000 for damage to vehicles and property.

Liability coverage pays for things such as structural damage, repair costs for stationary objects, medical services, medical expenses and loss of income. How much liability should you purchase? That is a personal decision, but you should buy higher limits if possible.

What is YOUR best insurance company?

When getting insurance quotes online, never skimp on critical coverages to save a buck or two. There have been many situations where consumers will sacrifice collision coverage only to discover later that the few dollars in savings costed them thousands. Your aim should be to purchase plenty of coverage for the lowest price but still have enough coverage for asset protection.

Lower-priced 2017 Toyota RAV4 insurance can be found both online in addition to local insurance agencies, so you should be comparing quotes from both so you have a total pricing picture. Some car insurance companies may not have rate quotes online and many times these smaller companies provide coverage only through independent insurance agencies.

More detailed car insurance information can be read in these articles:

• Protect Yourself Against Auto Theft (Insurance Information Insitute)
• How Much are Oakland Car Insurance Quotes for a Toyota RAV4? (OaklandInsure.com)
• Who Has the Cheapest San Jose Auto Insurance for a Toyota RAV4? (SanJoseCoverage.com)
• Prepare your Teens for Safe Driving (InsureUonline.org)
• What is a Telematics Device? (Allstate)
• Teen Driving and Texting (State Farm)
• Vehicle Insurance in the U.S. (Wikipedia)
• A Tree Fell on Your Car: Now What? (Allstate)

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