2013 Toyota RAV4 Car Insurance Quotes

Trying to find the cheapest insurance coverage rates for your Toyota RAV4? Tired of being strong-armed to buy car insurance? You are no different than most other car owners. Multiple auto insurance companies compete to insure your vehicles, so it can be very hard to choose a provider to discover the definitive lowest price

If you are insured now or are shopping for new coverage, you can follow these tips to find the best rates and possibly find even better coverage. Choosing the best insurance company for you is easy if you know what you’re doing. Drivers just need to know the proper methods to get comparison quotes over the internet.

Save big with these discounts

Auto insurance companies don’t list all their discounts very clearly, so we took the time to find both well-publicized and the more hidden insurance coverage savings. If you’re not getting every credit you qualify for, you’re just leaving money on the table.

  • Auto/Home Discount – If you insure your home and vehicles with the same insurance company you will save up to 20% off your total premium.
  • Homeowners Savings – Being a homeowner can save you money due to the fact that maintaining a home requires personal responsibility.
  • Military Discounts – Being deployed with a military unit can result in better rates.
  • Braking Control Discount – Vehicles equipped with ABS or steering control can reduce accidents and therefore earn up to a 10% discount.
  • Early Signing – A few companies offer discounts for switching to them before your current expiration date. This can save 10% or more.

It’s important to understand that most credits do not apply to your bottom line cost. The majority will only reduce the cost of specific coverages such as collision or personal injury protection. So even though it sounds like having all the discounts means you get insurance for free, you won’t be that lucky.

For a list of companies with the best insurance coverage discounts, click here.

Factors determining your Toyota RAV4 insurance premium

It’s important that you understand the different types of things that help determine the price you pay for car insurance. When you know what positively or negatively determines base rates allows you to make educated decisions that will entitle you to much lower annual insurance costs.

The following are a partial list of the pieces companies use to determine prices.

  • Equipment add-ons that lower car insurance rates – Owning a car that has an advanced theft prevention system can help lower your rates. Theft prevention features such as LoJack tracking devices, vehicle tamper alarm systems or GM’s OnStar system can help prevent car theft.
  • How your age affects price – Mature drivers are more cautious drivers, file fewer claims and receive fewer citations. Youthful drivers have a tendency to be less responsible in a vehicle and because of this, their car insurance rates are much higher.
  • Protect yourself with liability coverage – Liability coverage provides coverage if ever you are found to be at fault for damages from an accident. It will provide you with a defense in court starting from day one. This coverage is very inexpensive when compared with rates for comp and collision, so do not cut corners here.
  • Careful drivers pay lower rates – Your driving record has a huge affect on how much you pay. Even a single speeding ticket can boost insurance rates forty percent or more. Careful drivers have lower premiums compared to drivers with tickets. Drivers who get flagrant violations such as reckless driving, hit and run or driving under the influence may be required to submit a SR-22 form with their state DMV in order to keep their license.
  • Do you need those extra coverages? – There are a ton of additional coverages you can purchase when buying car insurance. Insurance for rental car reimbursement, better glass coverage and membership fees are some examples. They may seem like a good idea at first, but your needs may have changed so eliminate the coverages to reduce your premium.
  • Are you male or female? – Statistics show women are more cautious behind the wheel. That doesn’t necessarily mean that women are BETTER drivers than men. Men and women have accidents at a similar rate, but men cause more damage. Men also receive more costly citations like DUI and reckless driving. Teenage male drivers are several times more likely to be in an accident and are penalized with high car insurance rates.

But I don’t know anything about car insurance

When it comes to buying the right insurance coverage for your vehicles, there isn’t really a single plan that fits everyone. Everyone’s situation is a little different and your policy should reflect that. These are some specific questions may help highlight if your insurance needs might need professional guidance.

  • Is there coverage for injuries to my pets?
  • What can I do if my company denied a claim?
  • How do I file an SR-22 for a DUI in my state?
  • Can I still get insurance after a DUI?
  • Why is insurance for a teen driver so high?
  • Does my insurance cover my expensive audio equipment?
  • What is roadside assistance coverage?
  • Do I need more liability coverage?
  • Does my policy cover my teen driver if they drive my company car?

If you don’t know the answers to these questions, you may need to chat with an insurance agent. If you don’t have a local agent, simply complete this short form or go to this page to view a list of companies. It is quick, free and can provide invaluable advice.

How can State Farm and Allstate save drivers who switch?

Drivers constantly see and hear ads for cheaper car insurance by State Farm and Allstate. All the ads make an identical promise about savings if you switch to their company.

How can each company say the same thing?

All the different companies are able to cherry pick for the driver they prefer to insure. For instance, a preferred risk might be between 25 and 40, has no driving citations, and has a short commute. A propective insured who meets those qualifications will get the preferred rates and as a result will probably save quite a bit of money when switching.

Drivers who fall outside this ideal profile will be quoted a more expensive rate and ends up with the driver buying from a lower-cost company. Company advertisements say “customers who switch” but not “drivers who get quotes” save money. That’s the way insurance companies can confidently make those claims. This emphasizes why you should get quotes from several different companies. It is impossible to predict which company will have the lowest Toyota RAV4 insurance rates.

Auto insurance coverage specifics

Understanding the coverages of auto insurance helps when choosing the best coverages for your vehicles. The coverage terms in a policy can be ambiguous and reading a policy is terribly boring. Shown next are the normal coverages found on most auto insurance policies.

Liability

Liability coverage will cover damages or injuries you inflict on other’s property or people in an accident. It protects YOU against other people’s claims, and does not provide coverage for damage sustained by your vehicle in an accident.

It consists of three limits, per person bodily injury, per accident bodily injury, and a property damage limit. You commonly see policy limits of 50/100/50 that means you have a $50,000 limit per person for injuries, a total of $100,000 of bodily injury coverage per accident, and a limit of $50,000 paid for damaged property.

Liability insurance covers things such as bail bonds, loss of income, funeral expenses and structural damage. How much liability coverage do you need? That is up to you, but consider buying higher limits if possible.

Coverage for uninsured or underinsured drivers

This protects you and your vehicle’s occupants when other motorists do not carry enough liability coverage. It can pay for injuries to you and your family as well as damage to your Toyota RAV4.

Due to the fact that many drivers only carry the minimum required liability limits, it doesn’t take a major accident to exceed their coverage limits. That’s why carrying high Uninsured/Underinsured Motorist coverage is a good idea.

Coverage for collisions

This coverage pays to fix your vehicle from damage resulting from colliding with a stationary object or other vehicle. A deductible applies then your collision coverage will kick in.

Collision coverage protects against claims like hitting a parking meter, rolling your car, scraping a guard rail, hitting a mailbox and crashing into a building. Paying for collision coverage can be pricey, so analyze the benefit of dropping coverage from vehicles that are 8 years or older. Drivers also have the option to increase the deductible in order to get cheaper collision rates.

Coverage for medical expenses

Personal Injury Protection (PIP) and medical payments coverage kick in for bills like X-ray expenses, pain medications, hospital visits and ambulance fees. They are used to fill the gap from your health insurance policy or if you do not have health coverage. They cover you and your occupants and also covers being hit by a car walking across the street. PIP coverage is only offered in select states but it provides additional coverages not offered by medical payments coverage

Comprehensive auto insurance

Comprehensive insurance coverage pays for damage from a wide range of events other than collision. You first must pay your deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive insurance covers things like fire damage, falling objects and a tree branch falling on your vehicle. The highest amount you’ll receive from a claim is the actual cash value, so if it’s not worth much more than your deductible it’s probably time to drop comprehensive insurance.

Knowledge is power

When you buy insurance online, do not reduce needed coverages to save money. There are many occasions where an insured dropped liability coverage limits and discovered at claim time they didn’t have enough coverage. Your strategy should be to purchase plenty of coverage for the lowest price.

Affordable 2013 Toyota RAV4 insurance is definitely available both online as well as from independent agents, and you should compare price quotes from both to have the best rate selection. Some auto insurance companies don’t offer online quoting and many times these small, regional companies only sell through independent insurance agents.

We just showed you many ideas to save on insurance. The most important thing to understand is the more price quotes you have, the better your chances of lowering your rates. Consumers may even find the lowest priced auto insurance comes from a lesser-known regional company. Smaller companies may have significantly lower rates on certain market segments as compared to the big name companies such as Allstate, Geico and Progressive.

Even more information can be found by following these links: