View 2014 Toyota RAV4 Insurance Rates

Looking for the cheapest car insurance rates for your Toyota RAV4? Tired of paying out the nose to insure your Toyota every month? You’re in the same situation as many other drivers.

With so many options when it comes to car insurance, it can be diffult for consumers to choose the most cost effective car insurance company.

Consumers need to check car insurance prices quite often because rates are adjusted regularly by insurance companies. Even if you got the lowest rates for RAV4 insurance six months ago you will most likely find a better rate today. Ignore everything you know about car insurance because we’re going to demonstrate the things you must know in order to save money, get proper deductibles and limits, all at the lowest rate.

Choosing the best insurance company for you is quite easy. If you are paying for car insurance now, you should be able to lower your premiums substantially using this strategy. But consumers must comprehend how insurance companies sell insurance online and apply this information to your search.

Where Can I Get Cheap Insurance?

There are several ways to compare rate quotes and find the best price. The easiest way by far to find the lowest 2014 Toyota RAV4 rates is to use the internet to compare rates. This is very easy and can be done in several different ways.

Probably the best way to get quotes for comparison is an all-inclusive rate comparison like this one (opens in new window). This type of form saves time by eliminating separate quotes to each individual insurance company. One simple form gets you price quotes from insurance companies with the best prices.
A different way to find lower rates requires a trip to each company website and request a quote. For sake of this example, we’ll assume you want to compare rates from Liberty Mutual, Progressive and American Family. To get rate quotes you would need to spend time on each company’s site to enter your coverage information, and that’s why the first method is more popular.
To view a list of companies in your area, click here.
The most time-consuming method of getting rate comparisons is to drive around to local insurance agencies. The ability to buy insurance online eliminates the need for an insurance agent unless you require the professional guidance that only a license agent can provide. Drivers can obtain prices from the web and still use a local agent.

However you get your quotes, make absolute certain that you use the exact same coverage information on every quote. If each company quotes differing limits it will be very difficult to decipher which rate is best. Having just a slight variation in insurance coverages can make a big difference in price. And when quoting insurance, remember that quoting more provides better odds of finding the best offered rates.

Ads can be misleading

Allstate and Progressive constantly bombard you with ads on television and other media. All the companies make an identical promise about savings if you switch to them. How does each company claim to save you money?

Different companies have a preferred profile for the right customer they prefer to insure. For example, a profitable customer could be between 30 and 50, owns a home, and has a high credit rating. A propective insured that hits that “sweet spot” will get the preferred rates and therefore will save when they switch companies.

Consumers who do not match the requirements must pay more money and ends up with business going elsewhere. The ads state “customers who switch” not “everybody who quotes” save that much. That is how insurance companies can confidently make those claims. This illustrates why it’s extremely important to get as many comparisons as possible. It’s not possible to predict which insurance companies will have the lowest Toyota RAV4 insurance rates.

Toyota RAV4 rates are in the details

Smart consumers have a good feel for the different types of things that play a part in calculating your insurance rates. Having a good understanding of what determines base rates enables informed choices that could result in big savings.

Shown below are a partial list of the pieces insurance companies consider when setting premiums.

Do you qualify for a multi-policy discount? – Most insurers provide better rates to policyholders who carry more than one policy such as combining an auto and homeowners policy. Discounts can amount to five, ten or even twenty percent. If you currently are using one company, you still need to shop around to make sure you are getting the best deal.
More miles equals more premium – The higher the mileage driven in a year’s time the higher your rates will be. Most companies rate vehicles based on their usage. Cars used primarily for pleasure use receive lower rates as compared to vehicles used primarily for driving to work. If your policy improperly rates your RAV4 can cost quite a bit. Double check that your insurance declarations sheet is showing the correct usage for each vehicle, because improper ratings can cost you money.
Don’t cancel a policy without a new one in place – Allowing your insurance policy to lapse is a sure-fire way to bump up your insurance costs. And not only will insurance be more expensive, getting caught without coverage will get you a license revocation or jail time.You may need to file a SR-22 with your state department of motor vehicles.
Drive a safer car and pay less – Safer cars are cheaper to insure. The safest vehicles protect occupants better and lower injury rates translates into fewer and smaller insurance claims passed on to you as lower rates. If the Toyota RAV4 earned at least four stars on Safercar.gov or an “acceptable” rating on iihs.org it is probably cheaper to insure.
Traffic citations inflate rates – Whether or not you get tickets has a lot to do with how much you pay for insurance. Only having one ticket can boost insurance rates twenty percent or more. Careful drivers tend to pay less for car insurance compared to drivers with tickets. Drivers with flagrant tickets such as reckless driving, hit and run or driving under the influence are required to submit a SR-22 form with their state DMV in order to keep their license.
Frequent insurance claims increase rates – If you tend to file frequent claims, you can expect higher rates. Auto insurance companies generally give better rates to insureds who are claim-free. Insurance coverage is meant to be used in the event of the bigger claims that can’t be paid out-of-pocket.
Do men or women drive better? – Statistics demonstrate women tend to be less risk to insure than men. That doesn’t necessarily mean that women are BETTER drivers than men. Both sexes cause accidents in similar percentages, but the men cause more damage. Men also statistically have more aggressive citations like DUI and reckless driving. Youthful male drivers are several times more likely to be in an accident and therefore are the most expensive to insure.
Do you know you’re credit rating? – Having a bad credit score is a huge factor in determining what you pay for insurance. Drivers who have high credit ratings tend to be better drivers and file fewer claims than drivers with lower ratings. If your credit rating is low, you could pay less to insure your 2014 Toyota RAV4 by repairing your credit.

Discounts can save BIG

Companies that sell car insurance don’t always advertise every discount very well, so we took the time to find both the well known and the harder-to-find discounts you could be receiving.

Air Bag Discount – Vehicles equipped with air bags or automatic seat belts can get savings of more than 20%.
Theft Prevention Discount – Cars that have factory anti-theft systems can help prevent theft and qualify for as much as a 10% discount.
Driver Safety – Successfully completing a course in driver safety could possibly earn you a 5% discount depending on where you live.
Discount for New Cars – Insuring a new car can cost up to 25% less since new cars are generally safer.
Pay Now and Pay Less – If you pay your entire premium ahead of time instead of making monthly payments you can actually save on your bill.
Homeowners Pay Less – Simply owning a home can help you save on insurance because owning a home demonstrates responsibility.
Claim Free – Drivers with accident-free driving histories can earn big discounts as compared to accident-prone drivers.
Low Mileage Discounts – Low mileage vehicles can earn lower rates on the low mileage vehicles.

It’s important to note that most credits do not apply the the whole policy. A few only apply to individual premiums such as liability, collision or medical payments. So when the math indicates all the discounts add up to a free policy, companies don’t profit that way.

A partial list of companies that may offer some of the above discounts include:

Double check with each company which discounts they offer. All car insurance discounts may not be available in your area.

Will just any policy work for me?

When it comes to choosing the right insurance coverage, there really is no “best” method to buy coverage. Coverage needs to be tailored to your specific needs and your policy should reflect that. Here are some questions about coverages that can help discover if you would benefit from an agent’s advice.

Do I benefit by insuring my home with the same company?
Are there companies who specialize in insuring high-risk drivers?
Do I need PIP coverage since I have good health insurance?
Should I carry comprehensive and collision coverage?
Do I really need UM/UIM coverage?
Am I covered if I crash into my own garage door?
What discounts do I qualify for?
Will my rates increase for filing one claim?
Can I afford low physical damage deductibles?

If you can’t answer these questions, then you may want to think about talking to an insurance agent. If you don’t have a local agent, take a second and complete this form or go to this page to view a list of companies.

Auto insurance coverages

Learning about specific coverages of your insurance policy can be of help when determining which coverages you need and proper limits and deductibles. The coverage terms in a policy can be difficult to understand and reading a policy is terribly boring. Shown next are the usual coverages found on most insurance policies.

Medical payments coverage and PIP

Med pay and PIP coverage kick in for bills such as chiropractic care, dental work and pain medications. They can be used to cover expenses not covered by your health insurance program or if there is no health insurance coverage. It covers not only the driver but also the vehicle occupants and also covers if you are hit as a while walking down the street. PIP coverage is only offered in select states and may carry a deductible

Auto liability insurance

This coverage can cover damage that occurs to other’s property or people by causing an accident. This insurance protects YOU from claims by other people. Liability doesn’t cover damage sustained by your vehicle in an accident.

Split limit liability has three limits of coverage: per person bodily injury, per accident bodily injury, and a property damage limit. You commonly see values of 50/100/50 which stand for a limit of $50,000 per injured person, a per accident bodily injury limit of $100,000, and $50,000 of coverage for damaged propery.

Liability can pay for things like funeral expenses, medical expenses and court costs. How much coverage you buy is up to you, but consider buying as large an amount as possible.

Collision coverage

Collision insurance pays to fix your vehicle from damage from colliding with a stationary object or other vehicle. You will need to pay your deductible then the remaining damage will be paid by your insurance company.

Collision insurance covers things such as hitting a mailbox, hitting a parking meter, sideswiping another vehicle, rolling your car and driving through your garage door. This coverage can be expensive, so consider dropping it from vehicles that are 8 years or older. You can also bump up the deductible to bring the cost down.

Uninsured/Underinsured Motorist coverage

Your UM/UIM coverage provides protection when other motorists either have no liability insurance or not enough. Covered claims include medical payments for you and your occupants and also any damage incurred to your Toyota RAV4.

Since many drivers carry very low liability coverage limits, it only takes a small accident to exceed their coverage. So UM/UIM coverage is important protection for you and your family.

Comprehensive coverage

This coverage pays to fix your vehicle from damage that is not covered by collision coverage. A deductible will apply and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive insurance covers things such as damage from flooding, hail damage and falling objects. The maximum payout you can receive from a comprehensive claim is the ACV or actual cash value, so if your deductible is as high as the vehicle’s value it’s not worth carrying full coverage.

Coverage on a shoestring budget

Cheaper 2014 Toyota RAV4 insurance can be purchased on the web as well as from independent agents, and you should be comparing both in order to have the best price selection to choose from. Some companies don’t offer the ability to get a quote online and most of the time these small insurance companies sell through independent agents.

You just learned many ways to get a better price on insurance. It’s most important to understand that the more you quote, the better your chances of lowering your rates. Consumers could even find that the best price on insurance is with a company that doesn’t do a lot of advertising. Some small companies can often provide lower rates in certain areas than the large multi-state companies such as Geico and State Farm.