2014 Toyota RAV4 EV Insurance Quotes – 9 Ways to Save

Want lower insurance rates? Drivers have options when trying to find affordable Toyota RAV4 EV insurance. You can either waste hours calling around to compare prices or leverage the internet to compare rates.

There is a better way to shop for insurance and you need to know the proper way to compare rates on a Toyota and get the cheapest rates from local insurance agents and online providers.

If you are insured now or need a new policy, you can learn to shop for the lowest rates and still get good coverage. The purpose of this post is to tell you how car insurance quotes work and some tips to save money. Drivers just need to understand the proper methods to shop over the internet.

Free car insurance quotes

Reducing your 2014 Toyota RAV4 EV insurance rates is not a difficult process. The only thing you need to do is spend a few minutes comparing free insurance coverage quotes from online providers. Rate comparisons can be done by using one of the methods below.

1. The best way consumers can analyze rates is a comparison rater form click to view form in new window. This quick form keeps you from doing separate quote forms for every car insurance company. Taking the time to complete one form gets insurance cost estimates from many national carriers. Recommended for those who want to invest the least amount of time.
2. A harder way to find more affordable insurance is spending the time to visit each company website and fill out a new quote form. For example, let’s say you want to view quotes from Nationwide, Liberty Mutual and GMAC. To do that, you would have to take the time to go to each site and enter your information, and that explains why we recommend the first method. To view a list of companies in your area, click here.

Which method you use is up to you, but make sure you compare the same deductibles and coverage limits on every quote you get. If you enter unequal deductibles or liability limits it’s not possible to truly determine the lowest rate.

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Don’t overlook these nine car insurance discounts

Insuring your fleet can be pricey, but there could be available discounts to cut the cost considerably. A few discounts will be applied at the time you complete a quote, but a few must be asked for before you will receive the discount.

• Seat Belts Save more than Lives – Requiring all passengers to use a seat belt may be able to save a few bucks off the PIP or medical payment premium.
• Telematics Devices – Drivers who agree to allow driving data collection to monitor where and when they drive by using a telematics device in their vehicle like In-Drive from State Farm and Progressive’s Snapshot could save a few bucks if they show good driving skills.
• Early Renewal Discounts – Some insurance companies provide a discount for switching policies prior to your current policy expiration. This can save 10% or more.
• Distant Student – Youth drivers who are enrolled in a college that is more than 100 miles from home and do not take a car to college could qualify for this discount.
• Cautious Driver Discount – Drivers without accidents may receive a discount up to 45% for RAV4 EV coverage compared to rates paid by drivers with frequent claims.
• Passive Restraints – Factory options such as air bags or motorized seat belts may earn rate discounts of up to 25% or more.
• Professional Memberships – Having an affiliation with a civic or occupational organization can get you a small discount on your next car insurance statement.
• Sign Online – A few larger companies will give you a small discount for buying your policy on your computer.
• Theft Deterent Discount – Anti-theft and alarm system equipped vehicles can help prevent theft so companies will give you a small discount.

You can save money using discounts, but some of the credits will not apply to your bottom line cost. Most only cut the price of certain insurance coverages like collision or personal injury protection. So when the math indicates you could get a free car insurance policy, nobody gets a free ride. But all discounts should help reduce your overall bill.

A few companies who might offer many of the previously listed discounts are:

• American Family
• State Farm
• 21st Century
• Travelers
• Geico

Check with each company or agent which discounts they offer. Some discounts listed above may not apply to policies in your area. If you would like to choose from a list of insurance companies that offer some of these discounts, click this link.

When to get professional advice

When buying coverage for your personal vehicles, there isn’t really a one size fits all plan. Each situation is unique.

For example, these questions can help discover whether you would benefit from an agent’s advice.

• What is the ISO rating for a 2014 Toyota RAV4 EV?
• Should I bundle my homeowners policy with my auto?
• Is my custom paint covered by insurance?
• Is my 2014 Toyota RAV4 EV covered for flood damage?
• Which is better, split liability limits or combined limits?
• What if I total my 2014 Toyota RAV4 EV and owe more than it’s worth?
• Do I have newly-aquired coverage?
• Is other people’s property covered if stolen from my vehicle?
• Do I have coverage when pulling a U-Haul trailer?
• Do I have coverage when making deliveries for my home business?

If you’re not sure about those questions but one or more may apply to you, then you may want to think about talking to a licensed agent. To find an agent in your area, fill out this quick form. It’s fast, doesn’t cost anything and can provide invaluable advice.

Coverages available on your policy

Learning about specific coverages of your policy aids in choosing appropriate coverage for your vehicles. Policy terminology can be difficult to understand and coverage can change by endorsement.

Protection from uninsured/underinsured drivers – This gives you protection from other drivers 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 damage to your Toyota RAV4 EV.

Since a lot of drivers carry very low liability coverage limits, their liability coverage can quickly be exhausted. For this reason, having high UM/UIM coverages should not be overlooked. Usually these limits are set the same as your liablity limits.

Medical expense insurance – Med pay and PIP coverage kick in for expenses for things like EMT expenses, nursing services and doctor visits. They are often used in conjunction with a health insurance program or if you are not covered by health insurance. Coverage applies to not only the driver but also the vehicle occupants and will also cover being hit by a car walking across the street. PIP coverage is not available in all states and may carry a deductible

Collision coverage – This coverage pays for damage to your RAV4 EV resulting from a collision with an object or car. A deductible applies and the rest of the damage will be paid by collision coverage.

Collision coverage protects against things such as colliding with a tree, crashing into a building, backing into a parked car and sustaining damage from a pot hole. This coverage can be expensive, so consider dropping it from lower value vehicles. You can also choose a higher deductible to get cheaper collision coverage.

Liability insurance – This coverage can cover damages or injuries you inflict on other’s property or people. This insurance protects YOU from claims by other people, and does not provide coverage for damage sustained by your vehicle in an accident.

It consists of three limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You commonly see limits of 100/300/100 which means $100,000 in coverage for each person’s injuries, a limit of $300,000 in injury protection per accident, and property damage coverage for $100,000. Some companies may use one limit called combined single limit (CSL) that pays claims from the same limit and claims can be made without the split limit restrictions.

Liability can pay for claims like bail bonds, repair costs for stationary objects, repair bills for other people’s vehicles and attorney fees. The amount of liability coverage you purchase is a personal decision, but buy higher limits if possible.

Comprehensive (Other than Collision) – Comprehensive insurance pays to fix your vehicle from damage caused by mother nature, theft, vandalism and other events. A deductible will apply then the remaining damage will be covered by your comprehensive coverage.

Comprehensive insurance covers things such as hail damage, rock chips in glass and damage from a tornado or hurricane. The maximum payout you can receive from a comprehensive claim is the market value of your vehicle, so if the vehicle is not worth much consider dropping full coverage.

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Feed the piggy bank

Some auto insurance companies may not offer internet price quotes and most of the time these regional insurance providers only sell coverage through local independent agencies. Budget-conscious 2014 Toyota RAV4 EV insurance is definitely available from both online companies as well as from insurance agents, and you need to price shop both to have the best rate selection.

When getting insurance coverage quotes online, you should never buy poor coverage just to save money. In many instances, drivers have reduced uninsured motorist or liability limits only to regret that their decision to reduce coverage ended up costing them more. The aim is to buy enough coverage at the best possible price, but don’t skip important coverages to save money.

We just showed you a lot of tips how to get a better price on 2014 Toyota RAV4 EV insurance. The key concept to understand is the more quotes you get, the better likelihood of getting cheaper insurance coverage. Consumers could even find that the lowest premium rates come from a lesser-known regional company.

More detailed auto insurance information can be read in the articles below:

• Rental Car Insurance Tips (Insurance Information Insitute)
• Who Has the Cheapest Raleigh Auto Insurance for a Toyota RAV4? (RaleighCoverage.com)
• Safety Belts FAQ (iihs.org)
• Liability Insurance Coverage (Nationwide)
• Vehicle Insurance in the U.S. (Wikipedia)

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