1996 Toyota RAV4 Insurance Rates – 9 Tricks for Best Quotes

Want cheaper insurance coverage rates for your Toyota RAV4? Car insurance shoppers not familiar with price shopping car insurance online may find locating cheap insurance coverage is not as easy as it seems.

Consumers should take time to take a look at other company’s rates as often as possible because prices are adjusted regularly by insurance companies. Despite the fact that you may have had the best rate on RAV4 insurance a year ago a different company probably has better premium rates today. There is a lot of bad advice regarding insurance coverage on the web, but we’re going to give you the easiest ways to slash your insurance coverage rates.

If you currently have a car insurance policy, you will be able to cut costs considerably using these techniques. This information will introduce you to the best way to quote coverages. But car owners must know the way companies compete online and take advantage of how the system works.

The quickest way to get rate comparisons is to understand most of the larger companies will pay a fee to provide you with a free rate quote. To begin a comparison, all you need to do is give the companies some data such as whether you have decent credit, how much coverage you want, if you have an active license, and which vehicles you own. That information is automatically sent to many highly-rated insurers and they return quotes within a short period of time.

To compare rates now, click here and complete the quick form.

Don’t overlook these nine car insurance discounts

Car insurance is easily one of your largest bills, but you might find some hidden discounts that may help make it more affordable. Some trigger automatically at quote time, but lesser-known reductions have to be asked about before they will apply.

  • Defensive Driving Course – Successfully completing a course that instructs on driving safety could cut 5% off your bill and also improve your driving technique.
  • Discount for Good Grades – Getting good grades can save 20 to 25%. Earning this discount can benefit you up to age 25.
  • Air Bag Discount – Factory air bags or automatic seat belts can get savings of more than 20%.
  • Anti-lock Brake Discount – Anti-lock brake equipped vehicles can reduce accidents and will save you 10% or more.
  • Theft Deterent Discount – Vehicles with anti-theft systems help deter theft and can earn a small discount on your policy.
  • Discount for Life Insurance – Larger companies have a discount if you purchase some life insurance in addition to your auto policy.
  • No Claim Discounts – Claim-free drivers get the best car insurance rates in comparison with drivers with a long claim history.
  • Membership in Organizations – Having an affiliation with qualifying clubs or civic groups could qualify you for a break on your next car insurance statement.
  • Employee of Federal Government – Employees or retirees of the government can save as much as 8% on RAV4 insurance depending on your car insurance provider.

It’s important to understand that most of the big mark downs will not be given to all coverage premiums. The majority will only reduce specific coverage prices like liability, collision or medical payments. Despite the fact that it seems like you could get a free car insurance policy, company stockholders wouldn’t be very happy.

Popular car insurance companies and their offered discounts are outlined below.

  • Progressive may offer discounts for homeowner, continuous coverage, online signing, multi-policy, good student, and multi-vehicle.
  • The Hartford policyholders can earn discounts including defensive driver, vehicle fuel type, bundle, air bag, and anti-theft.
  • Mercury Insurance may have discounts that include professional/association, good student, multi-car, type of vehicle, and multi-policy.
  • GEICO offers discounts including military active duty, emergency military deployment, multi-vehicle, seat belt use, and anti-theft.
  • AAA discounts include multi-policy, pay-in-full, good driver, good student, education and occupation, AAA membership discount, and multi-car.
  • State Farm offers premium reductions for accident-free, good driver, student away at school, anti-theft, and multiple autos.

When getting a coverage quote, ask every company the best way to save money. All car insurance discounts might not be available to policyholders everywhere.

When to get professional advice

When it comes to choosing coverage, there isn’t really a one size fits all plan. Your needs are not the same as everyone else’s.

Here are some questions about coverages that might point out if you might need professional guidance.

  • Am I covered when renting a car or should I buy coverage from the car rental agency?
  • Does my policy cover my teen driver if they drive my company car?
  • What is the ISO rating for a 1996 Toyota RAV4?
  • What is UM/UIM insurance?
  • Which is better, split liability limits or combined limits?
  • Can I afford to pay high deductible claims out of pocket?
  • I have good health insurance, so how much medical payments coverage do I need?

If you don’t know the answers to these questions then you might want to talk to an agent. To find lower rates from a local agent, fill out this quick form.

Parts of your auto insurance policy

Knowing the specifics of your policy can be of help when determining the best coverages at the best deductibles and correct limits. Policy terminology can be confusing and nobody wants to actually read their policy.

Comprehensive coverage

Comprehensive insurance will pay to fix damage from a wide range of events other than collision. A deductible will apply and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive coverage pays for claims like damage from a tornado or hurricane, damage from flooding, vandalism and hitting a deer. The maximum payout you can receive from a comprehensive claim is the cash value of the vehicle, so if it’s not worth much more than your deductible it’s not worth carrying full coverage.

Uninsured/Underinsured Motorist coverage

This coverage protects you and your vehicle’s occupants when the “other guys” either are underinsured or have no liability coverage at all. This coverage pays for injuries sustained by your vehicle’s occupants as well as damage to your 1996 Toyota RAV4.

Because many people carry very low liability coverage limits, their limits can quickly be used up. So UM/UIM coverage is a good idea. Usually these coverages are set the same as your liablity limits.

Medical payments coverage and PIP

Personal Injury Protection (PIP) and medical payments coverage pay for expenses for things like EMT expenses, pain medications, chiropractic care and funeral costs. The coverages can be used to cover expenses not covered by your health insurance policy or if you are not covered by health insurance. Medical payments and PIP cover not only the driver but also the vehicle occupants and will also cover if you are hit as a while walking down the street. Personal Injury Protection is not available in all states and may carry a deductible

Coverage for liability

Liability coverage provides protection from injuries or damage you cause to other people or property by causing an accident. It protects YOU from legal claims by others, and does not provide coverage for damage sustained by your vehicle in an accident.

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. As an example, you may have limits of 100/300/100 which stand for a limit of $100,000 per injured person, a limit of $300,000 in injury protection per accident, and $100,000 of coverage for damaged propery. Alternatively, you may have a combined single limit or CSL which limits claims to one amount with no separate limits for injury or property damage.

Liability insurance covers things like medical expenses, emergency aid, funeral expenses and medical services. How much liability should you purchase? That is your choice, but you should buy higher limits if possible.

Auto collision coverage

Collision insurance pays for damage to your RAV4 caused by collision with a stationary object or other vehicle. You first must pay a deductible and then insurance will cover the remainder.

Collision coverage protects against things like crashing into a ditch, sustaining damage from a pot hole, colliding with another moving vehicle, hitting a parking meter and colliding with a tree. Paying for collision coverage can be pricey, so consider removing coverage from older vehicles. It’s also possible to raise the deductible to get cheaper collision coverage.