2013 Toyota RAV4 Car Insurance Quotes

Have you fallen victim to an overpriced insurance coverage policy? Trust us, many drivers feel the same as you. You have multiple car insurance companies to purchase coverage from, and although it’s nice to have a selection, more options can take longer to find the lowest cost provider.

Discounts can really help save money

Companies offering auto insurance do not list every possible discount in an easy-to-find place, so the following list contains a few of the more well known in addition to some of the lesser obvious credits available to bring down your rates.

• First Accident Forgiveness – Not really a discount, but some companies like Geico, Allstate and Liberty Mutual will forgive one accident before raising your premiums as long as you don’t have any claims for a certain period of time.
• Drivers Education – Require your teen driver to successfully complete driver’s ed class as it will make them better drivers and lower rates.
• Distant Student – Children living away from home attending college and don’t have a car may be able to be covered for less.
• Early Signing – A few companies give discounts for buying a policy prior to your current policy expiring. Ten percent is about the average savings.
• Telematics Devices – People who choose to allow their insurance company to track driving manner by installing a telematics device such as Snapshot from Progressive or Drivewise from Allstate could save a few bucks if they are good drivers.
• Discounts for Government Workers – Active or retired federal employment may reduce rates when you quote auto insurance on RAV4 insurance with some auto insurance companies.
• Theft Deterent System – Cars with anti-theft systems prevent vehicle theft and therefore earn up to a 10% discount.
• Seat Belt Usage – Buckling up and requiring all passengers to buckle up can save up to 15% off PIP or medical payments premium.
• Membership in Organizations – Being in certain professional organizations is a simple method to lower premiums on your policy.
• Good Student Discount – Being a good student can be rewarded with saving of up to 25%. The good student discount can last up to age 25.

One thing to note about discounts is that most of the big mark downs will not be given the the whole policy. Some only reduce individual premiums such as physical damage coverage or medical payments. Just because you may think having all the discounts means you get insurance for free, you aren’t that lucky. But all discounts should definitely cut your premiums.

A list of companies and some of the premium reductions they offer can be found below.

• Geico includes discounts for seat belt use, military active duty, five-year accident-free, anti-lock brakes, and anti-theft.
• USAA may offer discounts for defensive driver, driver training, family discount, multi-policy, annual mileage, and military installation.
• Progressive has savings for multi-policy, online signing, online quote discount, multi-vehicle, continuous coverage, and homeowner.
• American Family offers discounts for bundled insurance, good driver, mySafetyValet, TimeAway discount, early bird, and Steer into Savings.
• Esurance may include discounts for online shopper, anti-theft, emergency road assistance, Switch & Save, and homeowner.
• Farmers Insurance policyholders can earn discounts including bundle discounts, pay in full, youthful driver, early shopping, teen driver, and distant student.
• State Farm has discounts for multiple autos, safe vehicle, anti-theft, good driver, Drive Safe & Save, student away at school, and passive restraint.

When quoting, ask all the companies what discounts are available to you. Some discounts may not be available everywhere. To see companies who offer free auto insurance quotes, click here to view.

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Shop insurance coverage online

Most companies provide price estimates on their websites. The process can be done by anyone because you just enter your coverage information into the form. When the form is submitted, their quoting system makes automated requests for credit information and your driving record and generates pricing information based on the data you entered. This makes it simple to compare prices but the time it takes to visit multiple sites and enter the same data into a form gets old quite quickly. Unfortunately, it is important to compare as many rates as possible in order to find a better rate.

Compare rates the easy way

A more efficient way to find lower prices makes use of a single form to get prices from a lot of companies. It saves time, requires less work, and makes quoting online much more efficient. Once the form is submitted, your coverage is rated and you are able to buy any or none of the quote results. If a lower price is quoted, you simply finish the application and purchase coverage. It can be completed in a matter of minutes and you will know how your current rates stack up.

To find out what other companies charge, simply click here to open in new window and submit your coverage information. If you currently have coverage, we recommend you input coverages and limits identical to your current policy. This helps ensure you will receive comparison quotes for the exact same coverage.

Smart buyers save more

Many factors are part of the equation when you quote your car insurance policy. Some factors are common sense such as traffic violations, but other criteria are less apparent like your vehicle usage or your financial responsibility.Smart consumers have a good feel for the factors that go into determining the price you pay for insurance coverage. When you understand what controls the rates you pay, this empowers consumers to make smart changes that could result in big savings.

Listed below are some of the major factors companies use to determine your rate level.

• Cheaper rates by combining – Some companies will award better rates to people who carry more than one policy such as combining an auto and homeowners policy. This can amount to as much as ten percent or more Even if you qualify for this discount already, you may still want to compare other insurance prices to ensure the best deal.
• Vehicle features that cut premiums – Purchasing a vehicle with a theft deterrent system can get you a discount on your insurance coverage. Theft prevention features such as tamper alarm systems, vehicle immobilizer technology and General Motors OnStar all help prevent auto theft.
• Higher physical damage deductibles cost less – Physical damage deductibles are the amount of money you are willing to pay before a claim is paid by your company. Coverage for physical damage, also known as collision and other-than-collision, insures against damage to your car. A few examples of covered claims are a windshield broken by a bird, hail damage, and damage caused by road hazards. The more damage repair cost you pay before a claim is paid (deductible), the less your company will charge you for insurance on RAV4 insurance.
• Women pay lower costs – Over the last 50 years, statistics have shown that men are more aggressive behind the wheel. That doesn’t necessarily mean that men are WORSE drivers than women. Both sexes tend to get into accidents at a similar rate, but the males tend to have more serious accidents. They also get ticketed for serious violations such as DWI and reckless driving.
• Safety ratings are a factor – Safe vehicles can get you lower premiums. The safest vehicles result in less severe injuries and fewer serious injuries translates into savings for insurance companies passed on to you as lower rates. If your Toyota earned at least four stars on Safercar.gov or an “acceptable” rating on iihs.org you may qualify for a discount.
• Policy add-ons add up – There are a lot of add-on coverages that you can get tricked into buying when buying insurance coverage. Insurance for vanishing deductibles, better glass coverage, and membership fees are some examples. These coverages may sound good when deciding what coverages you need, but your needs may have changed so eliminate the coverages to reduce your premium.
• Low credit rating equals high premiums – Credit history is a big factor in determining what you pay for insurance coverage. So if your credit rating could use some work, you could save money insuring your 2013 Toyota RAV4 by taking the time to improve your credit score. Consumers who have excellent credit tend to be less risk to insure than drivers who have lower credit scores.
• High policy claims frequency drives up prices – Insurance companies give better rates to policyholders who do not rely on their insurance for small claims. If you frequently file small claims, you can expect either a policy non-renewal or much higher rates. Auto insurance is meant to be used in the event of larger claims.

Will just any policy work for me?

When it comes to buying adequate coverage, there isn’t really a cookie cutter policy. Everyone’s situation is unique so your insurance needs to address that. For instance, these questions may help you determine whether or not you would benefit from professional advice.

• Should I rate my 2013 Toyota RAV4 as pleasure use or commute?
• Do I pay less if my vehicle is kept in my garage?
• Is my dog or cat covered if injured in an accident?
• Should I drop comprehensive coverage on older vehicles?
• Are my friends covered when driving my car?
• Are there companies who specialize in insuring high-risk drivers?
• What is the rate difference between pleasure use and commuting?

If you don’t know the answers to these questions but you think they might apply to your situation, you might consider talking to a licensed insurance agent. If you want to speak to an agent in your area, take a second and complete this form or you can go here for a list of companies in your area. It only takes a few minutes and may give you better protection.

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Why you might not save $479 a year

Consumers can’t ignore all the ads for the lowest price insurance by Allstate and Progressive. They all make the point that people will save if you change to them.

How does every company make the same claim? Just pay attention to how they say it.

All the different companies have an ideal profile for the right customer that makes them money. An example of a desirable insured should be over the age of 50, has had continuous coverage, and chooses high deductibles. A customer getting a price quote that matches those criteria will get the preferred premium rates as well as save when they switch companies.

Potential insureds who don’t qualify for the requirements must pay more expensive rates and this results in the customer buying from a different company. If you listen closely, the ads state “people that switch” not “everybody who quotes” save that much. That is how companies can lure you into getting a quote. This really drives home the point why it is so important to get auto insurance quotes from several different companies. It’s just not possible to know the company that will fit you best based on your risk profile.

Auto insurance 101

Understanding the coverages of car insurance helps when choosing which coverages you need at the best deductibles and correct limits. The coverage terms in a policy can be difficult to understand and reading a policy is terribly boring. Below you’ll find typical coverage types found on the average car insurance policy.

Liability coverages

This can cover damages or injuries you inflict on other people or property that is your fault. It protects you from claims by other people, and does not provide coverage for your injuries or vehicle damage.

Liability coverage has three limits: bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You might see limits of 25/50/25 that translate to $25,000 in coverage for each person’s injuries, $50,000 for the entire accident, and a total limit of $25,000 for damage to vehicles and property.

Liability insurance covers things such as pain and suffering, medical services and funeral expenses. How much liability coverage do you need? That is a decision to put some thought into, but it’s cheap coverage so purchase higher limits if possible.

Uninsured Motorist or Underinsured Motorist insurance

This coverage gives you protection from other motorists when they do not carry enough liability coverage. Covered losses include injuries to you and your family as well as damage to your 2013 Toyota RAV4.

Because many people have only the minimum liability required by law, their liability coverage can quickly be exhausted. So UM/UIM coverage should not be overlooked.

Comprehensive coverage (or Other than Collision)

This coverage pays to fix your vehicle from damage OTHER than collision with another vehicle or object. A deductible will apply and then insurance will cover the rest of the damage.

Comprehensive can pay for things such as damage from a tornado or hurricane, a tree branch falling on your vehicle, hitting a bird, damage from flooding and theft. The highest amount your car insurance company will pay is the cash value of the vehicle, so if it’s not worth much more than your deductible consider removing comprehensive coverage.

Collision protection

This pays to fix your vehicle from damage caused by collision with an object or car. You first must pay a deductible then your collision coverage will kick in.

Collision coverage pays for things such as driving through your garage door, colliding with a tree, rolling your car and sustaining damage from a pot hole. Collision coverage makes up a good portion of your premium, so analyze the benefit of dropping coverage from vehicles that are older. You can also choose a higher deductible in order to get cheaper collision rates.

Insurance for medical payments

Personal Injury Protection (PIP) and medical payments coverage provide coverage for bills for things like pain medications, surgery, hospital visits and doctor visits. They can be used to cover expenses not covered by your health insurance policy or if you lack health insurance entirely. It covers all vehicle occupants and also covers getting struck while a pedestrian. Personal Injury Protection is not available in all states but can be used in place of medical payments coverage

Stretch your dollar

While you’re price shopping online, it’s very important that you do not sacrifice coverage to reduce premiums. In too many instances, someone dropped comprehensive coverage or liability limits to discover at claim time that the savings was not a smart move. The goal is to buy a smart amount of coverage at the best possible price, but do not skimp to save money.

In this article, we covered a lot of ways to save on 2013 Toyota RAV4 insurance. The key thing to remember is the more rate quotes you have, the higher the chance of saving money. Consumers could even find that the lowest car insurance rates are with an unexpected company. Some small companies may often insure only within specific states and give getter rates as compared to the big name companies such as Progressive or Geico.

Other information

• Collision Insurance Coverage (Nationwide)
• Who Has Cheap Car Insurance for a Toyota RAV4 in Fort Wayne? (FortWayneInsure.com)
• Vehicle Insurance (Wikipedia)
• Airbag FAQ (iihs.org)
• Should I Buy a New or Used Car? (Allstate)

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