2009 Toyota RAV4 Insurance Quotes – 9 Savings Tips

Trying to find the cheapest auto insurance rates for your Toyota RAV4? Are you tired of scraping the payment together to pay your car insurance bill each month? You’re in the same situation as millions of other consumers.

Drivers have multiple insurers to choose from, and even though it’s nice to have a choice, having more auto insurance companies makes it harder to compare rates.

Buying car insurance is quite easy. In a nutshell, every driver who has to buy auto insurance will more than likely be able to reduce their rates. Nevertheless, drivers must learn how companies market insurance on the web.

Are you getting all your discounts?

Car insurance companies don’t necessarily list all their discounts very well, so we researched both the well known and also the lesser-known insurance coverage savings.

  • Safe Driver Discount – Safe drivers can get discounts for up to 45% lower rates for RAV4 coverage than drivers with accident claims.
  • Auto/Home Discount – When you combine your home and auto insurance with the same insurance company you may save up to 20% off your total premium.
  • Low Mileage – Driving fewer miles could be rewarded with a substantially lower rate.
  • Multiple Vehicles – Buying coverage for multiple vehicles with the same company could earn a price break for each car.
  • Seat Belt Usage – Buckling up and requiring all passengers to use a seat belt can save up to 15% off your medical payments premium.
  • New Car Discount – Adding a new car to your policy can save up to 30% compared to insuring an older model.
  • E-sign – A few companies give back up to $50 for buying your policy over the internet.
  • Employee of Federal Government – Employees or retirees of the government may qualify you for a discount for RAV4 coverage with a few insurance coverage companies.
  • Anti-theft Discount – Vehicles with anti-theft systems are stolen less frequently and earn discounts up to 10%.

Drivers should understand that most discount credits are not given to the overall cost of the policy. Most only apply to individual premiums such as physical damage coverage or medical payments. So even though they make it sound like all the discounts add up to a free policy, it doesn’t quite work that way.

Companies who might offer some of the above discounts may include but are not limited to:

It’s a good idea to ask each insurance company which discounts you may be entitled to. All car insurance discounts might not be offered in every state.

The best way to compare policy rates takes advantage of the fact auto insurance companies participate in online systems to compare their rates. The only thing you need to do is give the companies some data including if your license is active, driver ages, the type of vehicles you drive, and whether your vehicle is owned or leased. The data gets sent immediately to insurance companies and you get price estimates quickly.

To find lower rates now, click here and enter your zip code.

When might I need an agent?

When it comes to choosing proper insurance coverage for your vehicles, there is no “best” method to buy coverage. Everyone’s situation is unique so this has to be addressed. These are some specific questions might help in determining whether you may require specific advice.

  • Is there coverage for injuries to my pets?
  • What is high-risk coverage and where do I buy it?
  • Do I pay less for low miles?
  • Am I missing any policy discounts?
  • Can I still get insurance after a DUI?
  • How can I find cheaper teen driver insurance?
  • Is my camper covered by my car insurance policy?
  • Does my car insurance cover rental cars?
  • What are the best liability limits?
  • I have good health insurance, so how much medical payments coverage do I need?

If you can’t answer these questions but you think they might apply to your situation, then you may want to think about talking to a licensed agent. If you don’t have a local agent, fill out this quick form or you can also visit this page to select a carrier

Auto insurance coverages

Learning about specific coverages of your insurance policy aids in choosing appropriate coverage for your vehicles. The terms used in a policy can be impossible to understand and nobody wants to actually read their policy. Below you’ll find the usual coverages found on the average insurance policy.

Coverage for medical expenses

Medical payments and Personal Injury Protection insurance kick in for bills such as pain medications, prosthetic devices, funeral costs and dental work. They are used in conjunction with a health insurance policy or if there is no health insurance coverage. It covers all vehicle occupants in addition to any family member struck as a pedestrian. PIP coverage is only offered in select states but it provides additional coverages not offered by medical payments coverage

Collision protection

Collision insurance covers damage to your RAV4 resulting from a collision with an object or car. You have to pay a deductible and then insurance will cover the remainder.

Collision coverage protects against things like rolling your car, crashing into a ditch, crashing into a building, colliding with another moving vehicle and backing into a parked car. Collision is rather expensive coverage, so you might think about dropping it from older vehicles. Drivers also have the option to raise the deductible to get cheaper collision coverage.

Coverage for uninsured or underinsured drivers

Uninsured or Underinsured Motorist coverage provides protection from other drivers 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 2009 Toyota RAV4.

Because many people carry very low liability coverage limits, their liability coverage can quickly be exhausted. This is the reason having UM/UIM coverage is very important.

Auto liability

This coverage can cover damage or injury you incur to people or other property that is your fault. Coverage consists of three different limits, per person bodily injury, per accident bodily injury, and a property damage limit. You commonly see values of 50/100/50 that translate to $50,000 bodily injury coverage, a per accident bodily injury limit of $100,000, and $50,000 of coverage for damaged propery.

Liability coverage pays for claims like medical expenses, structural damage, bail bonds and repair bills for other people’s vehicles. The amount of liability coverage you purchase is up to you, but consider buying as much as you can afford.

Comprehensive insurance

This covers damage that is not covered by collision coverage. A deductible will apply and then insurance will cover the rest of the damage.

Comprehensive coverage pays for claims such as a tree branch falling on your vehicle, falling objects and a broken windshield. The highest amount you can receive from a comprehensive claim is the actual cash value, so if the vehicle is not worth much consider dropping full coverage.

Affordable insurance is out there

As you shop your coverage around, don’t be tempted to reduce needed coverages to save money. In many instances, an insured dropped liability coverage limits and discovered at claim time that the few dollars in savings costed them thousands. Your aim should be to find the BEST coverage at an affordable rate while still protecting your assets.

We just showed you many ideas to shop for 2009 Toyota RAV4 insurance online. The most important thing to understand is the more you quote, the better your chances of lowering your rates. Consumers could even find that the lowest rates come from a small local company. Some small companies may cover specific market segments cheaper compared to the large companies like State Farm and Allstate.

Budget-conscious insurance can be found online and with local insurance agents, and you should be comparing both to get a complete price analysis. Some insurance providers do not offer online price quotes and these regional insurance providers work with independent agents.

Additional auto insurance information can be found at the links below