2004 Toyota RAV4 Insurance Quotes – 9 Tips to Save

Looking for the cheapest insurance rates for your Toyota RAV4? Finding the cheapest insurance for a new or used Toyota RAV4 can normally be difficult, but you can use the following methods to save time. There is a better way to compare insurance rates and we’ll show you the best way to price shop coverage on a Toyota and locate the lowest price from local insurance agents and online providers.

Are you receiving every discount?

Auto insurance companies don’t list every available discount very well, so we researched a few of the more common in addition to some of the lesser obvious credits that may apply to you.

• Safety Course Discount – Taking part in a course teaching defensive driving skills may get you a small discount and easily pay for the cost of the class.
• Multi-car Discount – Drivers who insure multiple vehicles with one company can reduce the rates for all insured vehicles.
• Student in College – Youth drivers who live away from home to go to college and do not have a car may qualify for this discount.
• Military Discounts – Being on active duty in the military could trigger a small discount.
• Federal Government Employee – Employees or retirees of the government could cut as much as 10% off on RAV4 insurance with certain companies.
• No Claim Discounts – Drivers who stay claim-free are rewarded with significantly better rates on auto insurance quote compared to drivers who are more careless.
• Driver’s Education for Students – It’s a good idea to have your young drivers sucessfully take a drivers education course if offered at their school.
• Smart Student Discounts – Being a good student can save 20 to 25%. The discount lasts well after school through age 25.
• Telematics Data – Policyholders that allow data collection to study when and where they use their vehicle remotely such as Allstate’s Drivewise and State Farm’s In-Drive system could possibly reduce rates if their driving habits are good.

One last thing about discounts, most discounts do not apply to the entire cost. Some only reduce specific coverage prices like liability, collision or medical payments. So even though they make it sound like all those discounts means the company will pay you, you’re out of luck.

A few of the larger companies and a summarized list of policyholder discounts are shown below.

• State Farm may offer discounts for good student, accident-free, Steer Clear safe driver discount, defensive driving training, passive restraint, good driver, and student away at school.
• American Family policyholders can earn discounts including bundled insurance, defensive driver, air bags, accident-free, Steer into Savings, and multi-vehicle.
• AAA has savings for multi-policy, anti-theft, pay-in-full, multi-car, and good driver.
• Geico offers discounts including federal employee, good student, multi-policy, driver training, emergency military deployment, and membership and employees.
• Mercury Insurance has discounts for multi-car, accident-free, type of vehicle, anti-theft, and age of vehicle.
• Farmers Insurance offers premium reductions for distant student, multi-car, teen driver, early shopping, and switch companies.
• Progressive includes discounts for continuous coverage, multi-vehicle, online quote discount, online signing, homeowner, good student, and multi-policy.

If you want affordable auto insurance quotes, ask every insurance company which discounts they offer. All car insurance discounts may not be available in your area. If you would like to choose from a list of auto insurance companies with significant discounts, click this link.

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Can you really save if you switch?

Drivers can’t avoid all the ads that claim the lowest rates by Allstate, Geico and Progressive. All the companies convey the message that drivers can save some big amount just by moving to them.

How does every company give you a better price? You have to listen carefully.

All the different companies offer their best rates for the right customer they prefer to insure. One example of this type of insured might have to be between the ages of 40 and 55, has never had a claim, and drives a safe vehicle. Anybody that meets those criteria will probably get the lowest premium rates and will probably save money with a new company.

Potential insureds who fall short of these stringent criteria will be charged higher premium rates which translates to the customer not purchasing. If you listen closely, the ads state “drivers who switch” not “everyone that quotes” save that much. That’s why insurance companies can confidently make those statements. Because of this risk profiling, you need to quote coverage with many companies. Because without a comparison, you cannot know the company that will have the lowest prices for your situation.

When in doubt talk to an agent

When it comes to choosing coverage, there really is not a single plan that fits everyone. Every situation is different.

Here are some questions about coverages that could help you determine whether your personal situation would benefit from an agent’s advice.

• Why do I need rental car insurance?
• Does my policy cover my teen driver if they drive my company car?
• Can I get a multi-policy discount for packaging my home and auto coverage?
• Will I lose any money if I cancel my policy before it expires?
• Do I need roadside assistance coverage?
• Can I make deliveries for my home business?

If you’re not sure about those questions, you may need to chat with an agent. If you want to speak to an agent in your area, fill out this quick form. It’s fast, doesn’t cost anything and may give you better protection.

Insurance coverages and their meanings

Knowing the specifics of your policy aids in choosing which coverages you need and the correct deductibles and limits. Policy terminology can be ambiguous and even agents have difficulty translating policy wording.

Comprehensive auto coverage

This coverage will pay to fix damage OTHER than collision with another vehicle or object. You first must pay your deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage pays for claims like hitting a deer, damage from getting keyed, a broken windshield and hail damage. The maximum payout you’ll receive from a claim is the actual cash value, so if the vehicle is not worth much consider removing comprehensive coverage.

Auto liability

This coverage can cover injuries or damage you cause to other people or property by causing an accident. It consists of three limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. As an example, you may have liability limits of 25/50/25 which means $25,000 bodily injury coverage, a per accident bodily injury limit of $50,000, and $25,000 of coverage for damaged propery.

Liability coverage protects against things like pain and suffering, medical expenses, bail bonds and loss of income. How much liability should you purchase? That is up to you, but consider buying as high a limit as you can afford.

Coverage for collisions

This will pay to fix damage to your RAV4 caused by collision with another car or object. You will need to pay your deductible and then insurance will cover the remainder.

Collision can pay for things such as scraping a guard rail, hitting a mailbox and colliding with another moving vehicle. Collision is rather expensive coverage, so consider removing coverage from older vehicles. Another option is to increase the deductible to get cheaper collision coverage.

UM/UIM (Uninsured/Underinsured Motorist) coverage

Uninsured or Underinsured Motorist coverage protects you and your vehicle’s occupants from other motorists when they either are underinsured or have no liability coverage at all. It can pay for injuries sustained by your vehicle’s occupants and damage to your Toyota RAV4.

Because many people only purchase the least amount of liability that is required, it doesn’t take a major accident to exceed their coverage limits. This is the reason having UM/UIM coverage is very important.

Medical payments and PIP coverage

Coverage for medical payments and/or PIP provide coverage for bills like prosthetic devices, pain medications, surgery, dental work and X-ray expenses. They can be used to cover expenses not covered by your health insurance plan or if you lack health insurance entirely. It covers all vehicle occupants and also covers getting struck while a pedestrian. Personal injury protection coverage is not universally available but can be used in place of medical payments coverage

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Saving money is sweet as honey

When searching for cheaper auto insurance quotes, don’t be tempted to buy poor coverage just to save money. There are many occasions where an insured cut collision coverage only to find out that it was a big mistake. Your aim should be to buy a smart amount of coverage for the lowest cost, but don’t skip important coverages to save money.

We covered many tips how you can reduce 2004 Toyota RAV4 insurance rates online. The most important thing to understand is the more quotes you get, the better your comparison will be. You may be surprised to find that the biggest savings come from some of the smallest insurance companies.

Drivers change insurance companies for a number of reasons such as lack of trust in their agent, high prices, questionable increases in premium and denial of a claim. Regardless of your reason, choosing a new company is less work than it seems.

Much more information about auto insurance can be read at the links below

• Credit and Insurance Scores (Insurance Information Insitute)
• Who Has Affordable Auto Insurance Quotes for a Toyota RAV4 in Atlanta? (AtlantaMetroInsurance.com)
• Cellphones, Texting and Driving (iihs.org)
• Distracted Driving Statistics (Insurance Information Insitute)
• Top Signs Your Brakes are Giving Out (State Farm)

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