Lower Your 2005 Toyota RAV4 Car Insurance Quotes

Having to pay for overpriced auto insurance can overdraw your checking account and force you to prioritize other expenses. Comparison shopping is a smart way to tighten up your finances.

Many insurers compete to insure your vehicles, and because of this it can be hard to compare insurers to find the best rate

You need to get comparison quotes occasionally due to the fact that insurance rates are constantly changing. Even if you think you had the best price on RAV4 insurance two years ago you will most likely find a better rate today. Don’t believe everything you read about auto insurance online but by reading this article, you’re going to learn the best ways to save money.

The best way we recommend to compare car insurance company rates is to know the trick most larger insurance companies participate in online systems to provide you with a free rate quote. All you need to do is give the companies some data including an estimate of your credit level, whether the vehicles are used for commuting, daily mileage, and types of safety features. The data is then sent to multiple top-rated companies and you receive quotes immediately.

To start a rate quote now, click here and find out if you can get cheaper insurance.

Do you qualify for a discount?

Insuring your vehicles can cost a lot, buy you may qualify for discounts to help offset the cost. A few discounts will automatically apply at quote time, but some may not be applied and must be asked for in order for you to get them.

Air Bag Discount – Vehicles equipped with air bags or automatic seat belts can get savings of more than 20%.
Anti-lock Brakes – Vehicles equipped with ABS or steering control can avoid accidents and earn discounts up to 10%.
Theft Prevention System – Vehicles equipped with anti-theft or alarm systems prevent vehicle theft and therefore earn up to a 10% discount.
Defensive Driver – Taking a driver safety course could cut 5% off your bill if you qualify.
Life Insurance – Companies who offer life insurance give lower rates if you buy a life insurance policy as well.

Consumers should know that most discount credits are not given to the entire policy premium. Some only reduce the cost of specific coverages such as medical payments or collision. So even though it sounds like having all the discounts means you get insurance for free, companies don’t profit that way. Any amount of discount will help reduce the cost of coverage.

To see a list of providers with discount insurance rates, click here to view.

What coverages do I need?

When it comes to buying coverage, there isn’t really a one size fits all plan. Every insured’s situation is different and a cookie cutter policy won’t apply. For instance, these questions may help you determine whether your personal situation would benefit from an agent’s advice.

Is a fancy paint job covered?
Am I covered when pulling a rental trailer?
What is covered by UM/UIM coverage?
Should I bundle my homeowners policy with my auto?
What companies insure drivers after a DUI or DWI?
Is borrowed equipment or tools covered if stolen or damaged?
Is my cargo covered for damage or theft?
How much can I save by bundling my policies?

If you don’t know the answers to these questions but you know they apply to you, you might consider talking to a licensed insurance agent. If you want to speak to an agent in your area, complete this form or you can go here for a list of companies in your area.

Car insurance coverage basics

Understanding the coverages of your car insurance policy can help you determine the best coverages for your vehicles. Policy terminology can be difficult to understand and coverage can change by endorsement. Shown next are the normal coverages offered by car insurance companies.

Coverage for collisions

This coverage pays to fix your vehicle from damage caused by collision with a stationary object or other vehicle. You will need to pay your deductible then your collision coverage will kick in.

Collision can pay for claims like damaging your car on a curb, scraping a guard rail and sideswiping another vehicle. Paying for collision coverage can be pricey, so analyze the benefit of dropping coverage from vehicles that are older. It’s also possible to bump up the deductible in order to get cheaper collision rates.

Liability coverages

This will cover damage that occurs to other’s property or people that is your fault. This coverage protects you from legal claims by others. It does not 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. As an example, you may have liability limits of 25/50/25 which stand for $25,000 bodily injury coverage, a total of $50,000 of bodily injury coverage per accident, and a total limit of $25,000 for damage to vehicles and property. Occasionally you may see one number which is a combined single limit which provides one coverage limit without having the split limit caps.

Liability insurance covers things like pain and suffering, emergency aid, repair bills for other people’s vehicles and medical expenses. How much liability should you purchase? That is up to you, but it’s cheap coverage so purchase as much as you can afford.

Coverage for uninsured or underinsured drivers

Uninsured or Underinsured Motorist coverage protects you and your vehicle’s occupants from other motorists when they either have no liability insurance or not enough. Covered losses include hospital bills for your injuries and also any damage incurred to your Toyota RAV4.

Since a lot of drivers only carry the minimum required liability limits, their limits can quickly be used up. This is the reason having UM/UIM coverage is very important. Usually the UM/UIM limits do not exceed the liability coverage limits.

Coverage for medical expenses

Coverage for medical payments and/or PIP reimburse you for immediate expenses like chiropractic care, hospital visits and nursing services. They can be used to fill the gap from your health insurance program or if you lack health insurance entirely. They cover both the driver and occupants and also covers getting struck while a pedestrian. Personal injury protection coverage is not universally available and may carry a deductible

Comprehensive car insurance

Comprehensive insurance coverage will pay to fix damage from a wide range of events other than collision. You first must pay your deductible and then insurance will cover the rest of the damage.

Comprehensive coverage pays for things like damage from getting keyed, a tree branch falling on your vehicle, damage from flooding and hitting a deer. The maximum amount you’ll receive from a claim is the actual cash value, so if it’s not worth much more than your deductible consider dropping full coverage.