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Toyota RAV4 Insurance Rates

Finding cheaper car insurance through online providers can be fast and easy and at the same time you will probably save money. The most important part is getting rates from all providers so you can get the lowest priced insurance.

If you are a novice to online car insurance shopping, it's easy to be confused by the hoards of online companies competing for your business. To find the best car insurance prices, there are several ways to compare rate quotes and find the best price. The best method to find competitive Toyota RAV4 insurance cost is to perform an online rate comparison. It is quite easy and can be accomplished by completing this short form.

FREE Car Insurance Comparison

Which factors influence car insurance premiums?

Insurance rates paid to insure a Toyota RAV4 can be significantly different depending on several factors. Taken into consideration are:

  • A clean driving record keeps rates low
  • Better credit means lower rates
  • Male drivers pay higher rates
  • Low deductibles cost more
  • Your vehicle's safety rating
  • Your profession
  • Insurance coverage level
  • Whether you rent or own your home

One last important factor which can affect the rate you pay on your Toyota is the year of manufacture. Models that are a few years old have a reduced actual cash value so the costs to repair may result in lower rates. Although new Toyota models may have options included like all-wheel drive, a telematics system, and autonomous braking that may help give discounted rates.

To get a better understanding how rates are influenced for your specific model year, select the year of your vehicle from available model years below.

Liability auto insurance - This coverage provides protection from damages or injuries you inflict on a person or their property that is your fault. Liability coverage protects against things such as emergency aid, pain and suffering, and medical services. Coverage is generally pretty cheap so purchase as large an amount as possible.

Collision coverage - This pays to fix your vehicle from damage from colliding with an object or car. You first must pay a deductible then your collision coverage will kick in. This coverage can be expensive, so you might think about dropping it from vehicles that are 8 years or older. It's also possible to choose a higher deductible in order to get cheaper Toyota RAV4 insurance rates.

Comprehensive (Other than Collision) - This pays to fix your vehicle from damage that is not covered by collision coverage. A deductible will apply then the remaining damage will be covered by your comprehensive coverage. The highest amount you can receive from a comprehensive claim is the ACV or actual cash value, so if the vehicle's value is low consider removing comprehensive coverage.

Uninsured/Underinsured Motorist coverage - This protects you and your vehicle from other motorists when they either have no liability insurance or not enough. Since a lot of drivers have only the minimum liability required by law, their liability coverage can quickly be exhausted. This is the reason having UM/UIM coverage should not be overlooked.

Medical expense insurance - Medical payments and Personal Injury Protection insurance pay for expenses for things like doctor visits, EMT expenses, and X-ray expenses. They are used to cover expenses not covered by your health insurance policy or if you are not covered by health insurance. Personal Injury Protection is not universally available but it provides additional coverages not offered by medical payments coverage.

How Much are Toyota RAV4 Insurance Rates?