Compare 2018 Toyota RAV4 Hybrid Insurance Rates

Want lower auto insurance rates for your Toyota RAV4 Hybrid? If you’re shopping for more affordable insurance, are you confused by the dozens of auto insurance providers that you can choose from? You’re not alone. People have so many providers available that it can easily become a real challenge to find a cheaper company.

Take advantage of these discounts

Companies that sell car insurance don’t always publicize the entire discount list very clearly, so here is a list both the well known and the harder-to-find credits available to bring down your rates.

  • Discount for Low Mileage – Low annual miles may allow you to get discounted rates on garaged vehicles.
  • ABS and Traction Control Discounts – Cars and trucks with ABS braking systems or traction control are safer to drive and earn discounts up to 10%.
  • Onboard Data Collection – Drivers who elect to allow their company to monitor driving habits by installing a telematics device like Allstate’s Drivewise might see lower rates as long as they are good drivers.
  • Sign Early and Save – Select auto insurance companies give a discount for renewing your policy before your current policy expires. You can save around 10% with this discount.
  • No Charge for an Accident – This one isn’t a discount, but companies like Geico, State Farm, and Progressive will let one accident slide without raising rates so long as you are claim-free for a particular time prior to the accident.
  • Discount for Passive Restraints – Factory air bags or automatic seat belts may qualify for discounts of 25 to 30%.
  • Drivers Ed for Students – It’s a good idea to have your young drivers take driver’s ed class if offered at their school.

As a footnote on discounts, most credits do not apply to the entire policy premium. A few only apply to specific coverage prices like liability and collision coverage. So when it seems like having all the discounts means you get insurance for free, company stockholders wouldn’t be very happy.

Some companies that may offer policyholders most of the discounts above include:

Check with every company how many discounts you can get. Some credits may not apply to policyholders in your area.

How to compare auto insurance price quotes

There are a variety of methods to shop for auto insurance, but some are less time-consuming than others. You could waste a few hours discussing policy coverages with insurance agencies in your area, or you can stay home and use the internet to get pricing more quickly.

The majority of car insurance companies belong to a marketplace that enables customers to enter their policy data once, and each company can give them a price based on that information. This system prevents you from having to do form submissions for every auto insurance company.

To enter your information into the quoting system, click here to open in new window.

One minor caviat to getting quotes like this is you don’t know exactly which carriers you want to price. So if you want to choose individual companies for rate comparison, we have a listing of auto insurance companies in your area. Click to view list.

It doesn’t matter which method you choose, just be certain you are entering the exact same quote data for each quote you get. If you enter different coverage information it will be very difficult to get a fair rate comparison. Quoting even small variations in coverages can result in a big premium difference. Just keep in mind that more quotes helps increase your odds of locating a lower rate.

Special considerations

When buying adequate coverage, there really is not a “best” method to buy coverage. Coverage needs to be tailored to your specific needs.

For instance, these questions can help discover whether or not you may require specific advice.

  • Is a fancy paint job covered?
  • Is my nanny covered when driving my vehicle?
  • Why am I required to buy liability insurance?
  • Should I file a claim if it’s only slightly more than my deductible?
  • Does my 2018 Toyota RAV4 Hybrid qualify for pleasure use?
  • Should I have combined single limit or split liability limits?
  • How can I get my company to pay me more for my totalled car?
  • Is borrowed equipment or tools covered if stolen or damaged?
  • I have good health insurance, so how much medical payments coverage do I need?
  • What discounts do I qualify for?

If you can’t answer these questions but one or more may apply to you then you might want to talk to a licensed agent. If you don’t have a local agent, take a second and complete this form.

Insurance policy coverages for a 2018 Toyota RAV4 Hybrid

Understanding the coverages of insurance helps when choosing the right coverages at the best deductibles and correct limits. The terms used in a policy can be difficult to understand and coverage can change by endorsement.

Medical payments coverage and PIP

Coverage for medical payments and/or PIP kick in for expenses such as rehabilitation expenses, X-ray expenses, hospital visits and EMT expenses. The coverages can be utilized in addition to your health insurance plan or if you are not covered by health insurance. Medical payments and PIP cover all vehicle occupants as well as any family member struck as a pedestrian. PIP is not available in all states and gives slightly broader coverage than med pay

Collision protection

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

Collision can pay for things such as backing into a parked car, hitting a parking meter and hitting a mailbox. This coverage can be expensive, so analyze the benefit of dropping coverage from vehicles that are 8 years or older. You can also choose a higher deductible to bring the cost down.

Auto liability

Liability insurance provides protection from damages or injuries you inflict on other people or property. It protects YOU from legal claims by others. Liability doesn’t cover damage to your own property or vehicle.

Liability coverage has three limits: bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You commonly see limits of 100/300/100 which means a limit of $100,000 per injured person, $300,000 for the entire accident, and a limit of $100,000 paid for damaged property. Another option is a combined limit that pays claims from the same limit without having the split limit caps.

Liability coverage pays for things like repair costs for stationary objects, medical expenses, structural damage and emergency aid. The amount of liability coverage you purchase is a decision to put some thought into, but you should buy as much as you can afford.

Uninsured/Underinsured Motorist coverage

Uninsured or Underinsured Motorist coverage provides protection from other motorists when they are uninsured or don’t have enough coverage. Covered losses include injuries sustained by your vehicle’s occupants and also any damage incurred to your Toyota RAV4 Hybrid.

Because many people only carry the minimum required liability limits, it only takes a small accident to exceed their coverage. That’s why carrying high Uninsured/Underinsured Motorist coverage is important protection for you and your family. Normally your uninsured/underinsured motorist coverages are similar to your liability insurance amounts.

Comprehensive coverage

This will pay to fix damage from a wide range of events other than collision. You first must pay your deductible then your comprehensive coverage will pay.

Comprehensive insurance covers claims such as hitting a bird, hitting a deer, vandalism and damage from getting keyed. The highest amount your insurance company will pay is the market value of your vehicle, so if the vehicle is not worth much it’s not worth carrying full coverage.

Find Good Coverage for Less

When getting insurance coverage quotes online, do not buy poor coverage just to save money. There are many occasions where an insured dropped full coverage and found out when filing a claim they didn’t purchase enough coverage. Your aim should be to get the best coverage possible at an affordable rate while still protecting your assets.

The cheapest 2018 Toyota RAV4 Hybrid insurance can be bought from both online companies and with local insurance agents, so you need to shop insurance coverage with both in order to have the best chance of saving money. There are still a few companies who don’t offer internet price quotes and usually these regional insurance providers only sell coverage through independent agents.

Insureds change insurance companies for any number of reasons including questionable increases in premium, not issuing a premium refund, high rates after DUI convictions and even an unsatisfactory settlement offer. It doesn’t matter why you want to switch finding a great new company is not as hard as you think.

Helpful resources