Cheap 2000 Toyota RAV4 Insurance Cost

Are you tired of trying to scrape together enough money to buy car insurance? Your situation is no different than many other consumers. Consumers have many auto insurance companies to pick from, and even though it’s nice to have a selection, it can be more difficult to find the best rates for your vehicles.

How to Compare Insurance Coverage Costs

There are multiple methods to shop for 2000 Toyota RAV4 insurance coverage, but there is one way that is more efficient than others. You could spend the better part of a day discussing policy coverages with insurance companies in your area, or you can utilize online quotes to quickly compare rates.

Many popular insurance companies enroll in a system that enables customers to submit their information once, and each company can provide price quotes. This saves time by eliminating quote requests for every insurance coverage company. To enter your information into the quoting system, click here to open in new window.

The only downside to comparing rates this way is you don’t know exactly which carriers to get quotes from. If you would rather choose from a list of companies to request quotes from, we put together a list of the cheapest insurance coverage companies in your area. View list of insurance companies.

It’s your choice how you get your quotes, but ensure you’re using the exact same coverages for each comparison quote. If the quotes have different deductibles it will be impossible to decipher which rate is best.

Pay less for 2000 Toyota RAV4 insurance

Companies that sell car insurance don’t always publicize all available discounts very clearly, so here is a list some of the more common and also the lesser-known discounts you could be receiving. If you’re not getting every credit you deserve, you’re just leaving money on the table.

  • No Claims – Drivers with accident-free driving histories pay much less compared to frequent claim filers.
  • Early Switch Discount – A few companies offer discounts for switching to them prior to your current policy expiration. It’s a savings of about 10%.
  • Theft Prevention System – Vehicles with anti-theft systems are stolen less frequently and will save you 10% or more.
  • Seat Belts Save – Buckling up and requiring all passengers to use a seat belt could save 15% off the personal injury premium cost.
  • No Charge for an Accident – Some insurance companies will allow you to have one accident before hitting you with a surcharge so long as you haven’t had any claims for a particular time prior to the accident.

A little note about advertised discounts, many deductions do not apply to the entire cost. Some only apply to the cost of specific coverages such as liability and collision coverage. Just because you may think adding up those discounts means a free policy, it doesn’t quite work that way.

To see a list of providers who offer insurance coverage discounts, click this link.

Tailor your coverage to you

When buying proper insurance coverage, there really is not a “best” method to buy coverage. Everyone’s situation is unique so this has to be addressed. For instance, these questions might help in determining if your insurance needs might need professional guidance.

  • Can my teen driver be rated on a liability-only vehicle?
  • Will my vehicle be repaired with OEM or aftermarket parts?
  • If I drive on a suspended license am I covered?
  • I have a DUI can I still get coverage?
  • Can my babysitter drive my car?
  • Am I insured when driving a different vehicle?
  • Why am I required to buy high-risk coverage?

If you’re not sure about those questions but one or more may 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’s fast, free and can provide invaluable advice.

The coverage is in the details

Understanding the coverages of your auto insurance policy helps when choosing the best coverages for your vehicles. Auto insurance terms can be difficult to understand and even agents have difficulty translating policy wording. Shown next are the normal coverages offered by auto insurance companies.

Medical expense coverage – Medical payments and Personal Injury Protection insurance provide coverage for immediate expenses such as dental work, chiropractic care, doctor visits and funeral costs. The coverages can be used in conjunction with a health insurance program or if there is no health insurance coverage. It covers you and your occupants and also covers any family member struck as a pedestrian. PIP is not universally available but can be used in place of medical payments coverage

Uninsured or underinsured coverage – This coverage protects you and your vehicle from other drivers when they are uninsured or don’t have enough coverage. It can pay for injuries sustained by your vehicle’s occupants and damage to your 2000 Toyota RAV4.

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.

Auto liability insurance – Liability coverage will cover damage or injury you incur to other people or property that is your fault. This coverage protects you against other people’s claims. Liability doesn’t cover damage sustained by your vehicle in an accident.

Coverage consists of three different limits, per person bodily injury, per accident bodily injury, and a property damage limit. You might see policy limits of 25/50/25 that means you have a limit of $25,000 per injured person, a total of $50,000 of bodily injury coverage per accident, and a limit of $25,000 paid for damaged property.

Liability coverage pays for claims like repair costs for stationary objects, bail bonds, medical services, structural damage and legal defense fees. How much liability should you purchase? That is up to you, but buy as large an amount as possible.

Comprehensive protection – Comprehensive insurance coverage pays for damage OTHER than collision with another vehicle or object. You first must pay your deductible and then insurance will cover the rest of the damage.

Comprehensive can pay for claims like damage from flooding, hitting a deer and hail damage. The maximum amount you can receive from a comprehensive claim is the actual cash value, so if the vehicle’s value is low consider dropping full coverage.

Collision coverage – This coverage pays to fix your vehicle from damage from colliding with a stationary object or other vehicle. A deductible applies and then insurance will cover the remainder.

Collision coverage protects against things like scraping a guard rail, colliding with another moving vehicle and hitting a parking meter. Collision is rather expensive coverage, so consider removing coverage from older vehicles. Drivers also have the option to increase the deductible to save money on collision insurance.

Summing up your auto insurance search

Cost effective 2000 Toyota RAV4 insurance can be found both online in addition to many insurance agents, so you should compare both to get a complete price analysis. Some insurance companies do not provide online quoting and usually these regional insurance providers provide coverage only through local independent agents.

As you shop your coverage around, you should never skimp on coverage in order to save money. There are a lot of situations where drivers have reduced liability coverage limits only to discover later that they should have had better coverage. The ultimate goal is to get the best coverage possible at the best price while not skimping on critical coverages.

More tips and info about auto insurance can be found in these articles: