Cheaper 1998 Toyota RAV4 Insurance Rates

Trying to find better insurance rates for your Toyota RAV4? Pricey Toyota RAV4 insurance can take a big chunk out of your savings and require stricter spending habits. Comparing cost estimates can lower your rates and help to make ends meet.

Online insurance companies like GEICO, 21st Century and Progressive all claim big savings, bombarding you with fancy advertisements and it is challenging if not impossible to ignore the flashy ads and find the best price available.

Don’t miss these rate-reducing discounts

Some providers don’t always list all disounts very clearly, so the following is a list of a few of the more common and the more hidden discounts you could be receiving when you buy car insurance online.

  • Passive Restraints – Factory options such as air bags or motorized seat belts can receive discounts of more than 20%.
  • Anti-theft System – Anti-theft and alarm system equipped vehicles are stolen with less frequency and will save you 10% or more.
  • No Claims – Claim-free drivers pay less when compared to bad drivers.
  • Government Employees – Employees or retirees of the government could cut as much as 10% off on RAV4 insurance with a few car insurance companies.
  • ABS and Traction Control Discounts – Cars with ABS braking systems or traction control prevent accidents and qualify for as much as a 10% discount.
  • Distant Student Discount – Youth drivers who are enrolled in higher education away from home and won’t have access to an insured vehicle can be insured at a reduced rate.
  • Lower Rates for Military – Being deployed with a military unit may lower your car insurance rates slightly.
  • Professional Memberships – Affiliation with specific professional or occupational memberships or organizations could qualify you for a break on your next car insurance statement.
  • New Car Discount – Insuring a vehicle that is new can get you a discount since new model year vehicles have better safety ratings.
  • Discount for Low Mileage – Low annual miles may allow you to get cheaper car insurancerates.

As a sidenote, most discounts do not apply to the overall cost of the policy. A few only apply to the price of certain insurance coverages like collision or personal injury protection. So despite the fact that it appears adding up those discounts means a free policy, it just doesn’t work that way.

Some of the insurance companies that may offer quotes with these benefits include:

It’s a good idea to ask each company or agent which discounts they offer. A few discounts may not apply to policies in your area. If you would like to choose from a list of insurers who offer free car insurance quotes, click this link.

How to buy insurance online

There are a lot of ways to compare insurance prices but there is one way that is easier and takes less work. You can spend countless hours discussing policy coverages with insurance companies in your area, or you can utilize online quotes to get prices fast.

Many companies participate in a marketplace where insurance shoppers enter their coverage request one time, and at least one company then returns a price quote based on that data. This system prevents you from having to do quotation requests to each company.

To compare rates using this form now click here to start a free quote.

The single downside to getting quotes like this is you cannot specify which insurance companies you want to price. So if you prefer to choose specific providers to compare rates, we have a page of low cost insurance companies in your area. View list of insurance companies.

How you compare quotes is your choice, just be certain you are entering equivalent deductibles and coverage limits on every quote. If you have different limits and deductibles on each one you will not be able to find the best deal for your Toyota RAV4. Quoting even small variations in coverages could throw off the whole comparison. Just keep in mind that quoting more will enable you to find more affordable rates.

Do I need special coverages?

When it comes to buying the best insurance coverage for your personal vehicles, there really is no one size fits all plan. Every situation is different and a cookie cutter policy won’t apply. For example, these questions may help you determine if you could use an agent’s help.

  • Where can I find DUI or SR-22 insurance?
  • Should I have combined single limit or split liability limits?
  • Should I have a commercial auto policy?
  • Are rental cars covered under my policy?
  • When should my teen driver be added to my policy?
  • Is my teen driver covered when they drive my company car?
  • Is my camper covered by my car insurance policy?
  • Should I buy full coverage?
  • Do I need special endorsements for business use of my vehicle?
  • I have health insurance so do I need medical payments coverage?

If you don’t know the answers to these questions but you think they might apply to your situation, you might consider talking to an insurance agent. To find lower rates from a local agent, complete this form or go to this page to view a list of companies.

Information about specific coverages

Learning about specific coverages of your policy can be of help when determining the best coverages for your vehicles. Policy terminology can be impossible to understand and nobody wants to actually read their policy. These are the usual coverages available from auto insurance companies.

Coverage for collisions

This coverage pays for damage to your RAV4 caused by collision with another vehicle or an object, but not an animal. You have to pay a deductible then the remaining damage will be paid by your insurance company.

Collision insurance covers things like backing into a parked car, colliding with a tree, hitting a parking meter and sideswiping another vehicle. Collision coverage makes up a good portion of your premium, so analyze the benefit of dropping coverage from older vehicles. Another option is to raise the deductible to save money on collision insurance.

Comprehensive or Other Than Collision

Comprehensive insurance coverage pays to fix your vehicle from damage caused by mother nature, theft, vandalism and other events. You first must pay your deductible and then insurance will cover the rest of the damage.

Comprehensive insurance covers claims like damage from flooding, damage from a tornado or hurricane and damage from getting keyed. 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 it’s probably time to drop comprehensive insurance.

Auto liability insurance

This coverage protects you from damage or injury you incur to a person or their property in an accident. It protects YOU from claims by other people. It does not cover damage sustained by your vehicle in an accident.

Split limit liability has three limits of coverage: bodily injury per person, bodily injury per accident and property damage. Your policy might show limits of 50/100/50 that means you have $50,000 in coverage for each person’s injuries, a per accident bodily injury limit of $100,000, and a limit of $50,000 paid for damaged property. Another option is one number which is a combined single limit which limits claims to one amount and claims can be made without the split limit restrictions.

Liability insurance covers claims such as attorney fees, medical services and medical expenses. The amount of liability coverage you purchase is up to you, but it’s cheap coverage so purchase higher limits if possible.

UM/UIM Coverage

This provides protection when the “other guys” are uninsured or don’t have enough coverage. Covered claims include injuries sustained by your vehicle’s occupants and also any damage incurred to your Toyota RAV4.

Since a lot of drivers carry very low liability coverage limits, it doesn’t take a major accident to exceed their coverage limits. So UM/UIM coverage should not be overlooked. Usually your uninsured/underinsured motorist coverages are identical to your policy’s liability coverage.

Medical costs insurance

Medical payments and Personal Injury Protection insurance reimburse you for short-term medical expenses such as rehabilitation expenses, doctor visits, hospital visits and ambulance fees. They are often used in conjunction with a health insurance policy or if you lack health insurance entirely. They cover not only the driver but also the vehicle occupants and also covers any family member struck as a pedestrian. Personal Injury Protection is not an option in every state and may carry a deductible

Be a penny pincher

Cheap 1998 Toyota RAV4 insurance can be bought both online in addition to many insurance agents, and you need to price shop both to get a complete price analysis. There are still a few companies who do not offer price quotes online and most of the time these smaller companies only sell through local independent agents.

We just presented many tips how you can compare 1998 Toyota RAV4 insurance prices online. The key concept to understand is the more rate quotes you have, the better your comparison will be. Drivers may discover the best price on auto insurance is with a lesser-known regional company. These companies often have lower rates on specific markets than their larger competitors like Allstate, GEICO and Progressive.

As you shop your coverage around, don’t be tempted to buy poor coverage just to save money. There are too many instances where an insured dropped uninsured motorist or liability limits only to regret that their decision to reduce coverage ended up costing them more. Your aim should be to buy a smart amount of coverage at a price you can afford, but don’t skip important coverages to save money.

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