Lower Your 2017 Toyota RAV4 Insurance Quotes

Getting the lowest cost auto insurance may be impossible for consumers who are new to comparing rates on the web. With a ridiculous number of online companies, how are we expected to have the ability to compare each option to find the lowest price available?

Insurance policy discounts

Properly insuring your vehicles can get expensive, but you may be missing some discounts that you may not even know about. Some discounts apply automatically when you get a quote, but a few must be asked for before being credited.

  • Drivers Education – Cut your cost by having your teen driver participate in a local driver’s education class as it can save substantially.
  • Air Bag Discount – Options like air bags may get savings of more than 20%.
  • Seat Belts Save more than Lives – Forcing all vehicle occupants to buckle up before driving can save a little on the premium charged for medical payments and/or PIP.
  • Theft Deterent Discount – Cars and trucks with anti-theft systems prevent vehicle theft and qualify for as much as a 10% discount.
  • Resident Student – College-age children who are enrolled in higher education away from home and don’t have a car can receive lower rates.
  • Mature Driver Discount – Drivers that qualify as senior citizens may be able to get lower premium rates on RAV4 insurance.
  • Good Grades Discount – Maintaining excellent grades can save 20 to 25%. Many companies even apply the discount to college students until age 25.

Consumers should know that most discount credits are not given to your bottom line cost. A few only apply to the cost of specific coverages such as medical payments or collision. Even though the math looks like it’s possible to get free car insurance, insurance companies aren’t that generous.

The best insurance companies and a summarized list of policyholder discounts are:

  • State Farm offers discounts including accident-free, multiple autos, student away at school, good driver, driver’s education, safe vehicle, and Drive Safe & Save.
  • Nationwide discounts include anti-theft, defensive driving, business or organization, good student, family plan, and accident-free.
  • Geico may include discounts for seat belt use, military active duty, defensive driver, daytime running lights, air bags, federal employee, and emergency military deployment.
  • AAA includes discounts for good driver, good student, pay-in-full, multi-policy, and multi-car.
  • 21st Century has savings for early bird, good student, air bags, student driver, teen driver, anti-lock brakes, and theft prevention.
  • The Hartford offers discounts for bundle, vehicle fuel type, driver training, good student, and air bag.

Double check with all the companies which discounts you qualify for. Savings may not apply to policyholders in your area. To choose companies with discount rates, click here.

How do I know if I need professional advice?

When choosing the best auto insurance coverage, there really is no one size fits all plan. Everyone’s situation is unique.

For instance, these questions could help you determine if your insurance needs may require specific advice.

  • What are the financial responsibility laws in my state?
  • Does coverage extend to Mexico or Canada?
  • I don’t drive much so do I pay less?
  • What exactly is covered by my policy?
  • What if I total my 2017 Toyota RAV4 and owe more than it’s worth?
  • When should I not file a claim?

If you can’t answer these questions but a few of them apply, you may need to chat with a licensed agent. If you don’t have a local agent, simply complete this short form.

Car insurance 101

Understanding the coverages of car insurance aids in choosing the best coverages and the correct deductibles and limits. The terms used in a policy can be confusing and coverage can change by endorsement.

Medical expense insurance – Medical payments and Personal Injury Protection insurance kick in for immediate expenses such as ambulance fees, prosthetic devices, nursing services and X-ray expenses. The coverages can be utilized in addition to your health insurance policy or if you lack health insurance entirely. They cover both the driver and occupants as well as any family member struck as a pedestrian. Personal Injury Protection is not universally available but it provides additional coverages not offered by medical payments coverage

Collision coverages – Collision insurance will pay to fix damage to your RAV4 from colliding with a stationary object or other vehicle. You have to pay a deductible and the rest of the damage will be paid by collision coverage.

Collision coverage protects against claims such as hitting a parking meter, hitting a mailbox and driving through your garage door. This coverage can be expensive, so you might think about dropping it from older vehicles. It’s also possible to bump up the deductible in order to get cheaper collision rates.

Comprehensive (Other than Collision) – This coverage covers damage OTHER than collision with another vehicle or object. You first must pay your deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive insurance covers things like damage from a tornado or hurricane, falling objects and damage from flooding. The most you can receive from a comprehensive claim is the actual cash value, so if your deductible is as high as the vehicle’s value it’s probably time to drop comprehensive insurance.

Auto liability – This coverage protects you from damages or injuries you inflict on people or other property in an accident. This coverage protects you from claims by other people. It does not cover damage to your own property or vehicle.

Split limit liability has three limits of coverage: bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You might see limits of 25/50/25 that means you have $25,000 bodily injury coverage, $50,000 for the entire accident, and property damage coverage for $25,000.

Liability insurance covers things like attorney fees, medical expenses, structural damage, legal defense fees and repair costs for stationary objects. How much liability coverage do you need? That is a personal decision, but buy higher limits if possible.

Protection from uninsured/underinsured drivers – Uninsured or Underinsured Motorist coverage protects you and your vehicle when the “other guys” either have no liability insurance or not enough. This coverage pays for injuries sustained by your vehicle’s occupants and damage to your 2017 Toyota RAV4.

Since a lot of drivers have only the minimum liability required by law, it only takes a small accident to exceed their coverage. This is the reason having UM/UIM coverage is important protection for you and your family.

Quote more. Save more.

Affordable 2017 Toyota RAV4 insurance can be purchased both online as well as from independent agents, so you should be comparing quotes from both to have the best selection. Some insurance coverage companies do not offer rates over the internet and many times these regional insurance providers sell through independent agents.

When searching for low cost insurance coverage quotes, you should never buy lower coverage limits just to save a few bucks. There are many occasions where someone dropped full coverage and found out when filing a claim they didn’t have enough coverage. Your goal is to find the BEST coverage at an affordable rate, but do not skimp to save money.

Throughout this article, we presented a lot of tips how to reduce 2017 Toyota RAV4 insurance premium rates online. It’s most important to understand that the more companies you get prices for, the more likely it is that you will get a better rate. Drivers may discover the best premium rates are with some of the lesser-known companies.

To learn more, feel free to browse the resources below: