Cheaper 2014 Toyota RAV4 Insurance Quotes

Finding low-cost insurance for your Toyota RAV4 could be an all-consuming task, but you can use our car insurance buying tips to save time.

There is a better way to find car insurance online and we’ll show you the quickest way to compare rates for your Toyota and find the cheapest rates from local insurance agents and online providers.

It is always a good idea to price shop coverage quite often since insurance prices change regularly. Despite the fact that you may have had the lowest rates on RAV4 coverage last year you can probably find a better premium rate now. Forget all the misinformation about car insurance because I’m going to teach you the best way to find lower rates on car insurance.

Save a ton with discounts

Auto insurance can be pricey, but you might be missing out on some discounts to help offset the cost. Many discounts should be triggered when you get a quote, but lesser-known reductions have to be specially asked for in order for you to get them. If you aren’t receiving every discount available, you could be paying more than you need to.

• Cautious Drivers – Drivers who don’t get into accidents can save as much as half off their rates on RAV4 coverage compared to rates paid by drivers with frequent claims.
• More Vehicles More Savings – Buying insurance for primary and secondary vehicles with the same auto insurance company could earn a price break for each car.
• Driver’s Ed – Teen drivers should sucessfully take a drivers education course if it’s offered in school.
• Theft Deterent Discount – Cars equipped with anti-theft or alarm systems are stolen with less frequency and will save you 10% or more.
• Mature Driver Discount – Older drivers may receive a slight reduction on a insurance quote on RAV4 coverage.
• Bundle and Save – If you have multiple policies and insure them with the same company they may give you a discount of up to 20% and get you cheaper insurance.
• Data Collection Discounts – People who choose to allow their insurance company to analyze driving habits through the use of a telematics system such as In-Drive from State Farm or Allstate’s Drivewise system could possibly reduce rates as long as they are good drivers.
• Student in College – Older children who attend college more than 100 miles from home and do not take a car to college may be insured at a cheaper rate.
• Discount for Life Insurance – If the company offers life insurance, you could get lower rates if you buy life insurance.

A quick disclaimer, most credits do not apply to all coverage premiums. Some only apply to individual premiums such as liability, collision or medical payments. So even though it sounds like you would end up receiving a 100% discount, insurance companies wouldn’t stay in business. Any qualifying discounts should help lower your overall bill.

A list of auto insurance companies and their possible discounts can be found below.

• Farmers Insurance may offer discounts for mature driver, teen driver, alternative fuel, multi-car, youthful driver, distant student, and pay in full.
• State Farm includes discounts for accident-free, multiple autos, safe vehicle, good driver, defensive driving training, and student away at school.
• Liberty Mutual discounts include safety features, newly retired, multi-car, multi-policy, and hybrid vehicle.
• MetLife offers premium reductions for claim-free, multi-policy, good driver, good student, accident-free, defensive driver
• Progressive may have discounts that include multi-policy, homeowner, good student, online signing, continuous coverage, and multi-vehicle.

Double check with every prospective company how many discounts you can get. Some discounts listed above might not be available to policyholders everywhere. To choose insurers who offer discounts, follow this link.

What is the best auto insurance coverage?

When it comes to buying coverage for your personal vehicles, there really is not a perfect coverage plan. Everyone’s needs are different.

For example, these questions might help in determining whether you would benefit from an agent’s advice.

• Do all my vehicles need collision coverage?
• Is my teenager covered with friends in the car?
• Does having multiple vehicles earn me a discount?
• Will filing a claim cost me more?
• Is a new car covered when I drive it off the dealer lot?
• When should I buy a commercial auto policy?
• Should I buy only the required minimum liability coverage?
• Am I covered if I hit my neighbor’s mailbox?
• Can I rent a car in Mexico?

If you can’t answer these questions but a few of them apply, then you may want to think about talking to an agent. To find lower rates from a local agent, take a second and complete this form. It is quick, free and can provide invaluable advice.

Specific coverages for a 2014 Toyota RAV4

Having a good grasp of insurance can help you determine the best coverages and the correct deductibles and limits. The coverage terms in a policy can be difficult to understand and coverage can change by endorsement.

Coverage for liability

This coverage protects you from damage that occurs to other people or property that is your fault. It protects you from legal claims by others, and does not provide coverage for damage sustained by your vehicle in an accident.

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 commonly see limits of 100/300/100 that means you have a limit of $100,000 per injured person, $300,000 for the entire accident, and a limit of $100,000 paid for damaged property. Occasionally you may see a combined single limit or CSL which limits claims to one amount rather than limiting it on a per person basis.

Liability coverage pays for claims such as court costs, loss of income, medical services and repair bills for other people’s vehicles. How much liability should you purchase? That is a decision to put some thought into, but buy as high a limit as you can afford.

UM/UIM (Uninsured/Underinsured Motorist) coverage

Your UM/UIM coverage provides protection from other drivers when they are uninsured or don’t have enough coverage. This coverage pays for injuries sustained by your vehicle’s occupants as well as your vehicle’s damage.

Since many drivers have only the minimum liability required by law, their liability coverage can quickly be exhausted. For this reason, having high UM/UIM coverages is a good idea. Normally your uninsured/underinsured motorist coverages are similar to your liability insurance amounts.

Medical payments and PIP coverage

Coverage for medical payments and/or PIP reimburse you for immediate expenses such as chiropractic care, doctor visits, X-ray expenses and rehabilitation expenses. They are used to cover expenses not covered by your health insurance program or if there is no health insurance coverage. Coverage applies to not only the driver but also the vehicle occupants and will also cover if you are hit as a while walking down the street. PIP is not available in all states and gives slightly broader coverage than med pay

Comprehensive auto coverage

Comprehensive insurance coverage will pay to fix damage from a wide range of events other than collision. You first have to pay a deductible and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive coverage protects against things such as falling objects, a broken windshield, hitting a bird and a tree branch falling on your vehicle. The maximum amount your insurance company will pay is the cash value of the vehicle, so if the vehicle is not worth much consider removing comprehensive coverage.

Collision protection

Collision coverage pays to fix your vehicle from damage caused by collision with another vehicle or an object, but not an animal. You first must pay a deductible then your collision coverage will kick in.

Collision can pay for things such as scraping a guard rail, colliding with another moving vehicle, damaging your car on a curb, hitting a parking meter and hitting a mailbox. This coverage can be expensive, so analyze the benefit of dropping coverage from older vehicles. Drivers also have the option to choose a higher deductible to save money on collision insurance.

Saving money is sweet as honey

When you buy insurance online, you should never reduce coverage to reduce premium. There are too many instances where someone dropped uninsured motorist or liability limits only to regret that the small savings ended up costing them much more. The ultimate goal is to purchase plenty of coverage at a price you can afford and still be able to protect your assets.

Drivers switch companies for many reasons like not issuing a premium refund, high prices, denial of a claim and even extreme rates for teen drivers. Regardless of your reason, choosing a new insurance company can be easier than you think.

Cheaper 2014 Toyota RAV4 insurance can be bought both online and with local insurance agents, and you need to price shop both to get a complete price analysis. Some companies do not provide online quoting and usually these small insurance companies only sell through independent insurance agents.

More detailed auto insurance information can be read at these sites:

• Event Data Recorders FAQ (iihs.org)
• Medical Payments Coverage (Liberty Mutual)
• Safety Belts FAQ (iihs.org)
• What is Covered by GAP Insurance? (Allstate)
• Five Mistakes to Avoid (Insurance Information Insitute)
• Protect Yourself Against Auto Theft (Insurance Information Insitute)