2000 Toyota RAV4 Insurance Quotes – 10 Policy Discounts

Trying to find better insurance coverage rates for your Toyota RAV4? Pricey Toyota RAV4 insurance can drain your budget, especially in this economy. Due to the fact that there are so many companies and agents to choose from, it is hard for the average consumer to choose the right insurance coverage provider.

It’s smart to shop coverage around before your policy renews because insurance rates fluctuate regularly. Even if you got the best premium rates on RAV4 coverage on your last policy the chances are good that you can find a lower price today. Block out anything you think you know about insurance coverage because we’re going to demonstrate one of the easiest ways to lower your rates without sacrificing coverage.

Affordable auto insurance

Shopping for lower auto insurance rates can be a lot of work if you don’t know the best way to get rate quotes. You can spend countless hours driving to agents in your area, or you could use the web to maximize your effort.

The majority of car insurance companies take part in a program where prospective buyers send in one quote, and each participating company provides a quote for coverage. This prevents consumers from doing quote requests to each company.

To fill out one form to compare multiple rates now click here (opens in new window).

The one downside to using this type of system is that consumers can’t choose which carriers to receive prices from. If you prefer to choose specific providers to compare rates, we put together a list of auto insurance companies in your area. Click to view list.

Which method you use is up to you, but make sure you use exactly the same coverage information on every quote you get. If you use higher or lower deductibles you will not be able to truly determine the lowest rate.

Do you qualify for discount insurance coverage?

Some companies do not list all available discounts in an easy-to-find place, so the below list has some of the more common in addition to some of the lesser obvious credits that may apply to you.

  • Passive Restraints – Vehicles equipped with air bags or automatic seat belts can qualify for discounts of 25 to 30%.
  • Student Discounts – Excelling in school may save as much as 25% on a auto insurance quote. Most companies allow this discount well after school through age 25.
  • Military Rewards – Having a deployed family member may qualify for rate reductions.
  • Federal Government Employee – Active or retired federal employment could qualify for a slight premium decrease on RAV4 coverage with certain companies.
  • Safety Restraint Discount – Buckling up and requiring all passengers to wear their seat belts can save 10% or more off PIP or medical payments premium.
  • Online Discount – Some of the larger companies will give you a small discount for signing up digitally online.
  • Membership in Organizations – Being a member of a qualifying organization is a simple method to lower premiums when getting a auto insurance quote.
  • Accident-Free Discounts – Drivers who stay claim-free pay less when compared to drivers with a long claim history.
  • Waiver for an Accident – but companies like GEICO and Allstate will forgive one accident before hitting you with a surcharge if you have no claims for a particular time prior to the accident.
  • Braking Control Discount – Vehicles with ABS braking systems or traction control are safer to drive and will save you 10% or more.

One last thing about discounts, some credits don’t apply the the whole policy. A few only apply to individual premiums such as comp or med pay. So even though they make it sound like it’s possible to get free car insurance, insurance companies wouldn’t stay in business. But any discount will bring down your overall bill.

Companies and a partial list of their discounts include:

  • GEICO offers discounts including membership and employees, driver training, daytime running lights, defensive driver, air bags, and multi-vehicle.
  • Travelers may have discounts that include driver training, continuous insurance, multi-policy, IntelliDrive, and save driver.
  • Farm Bureau discounts include safe driver, good student, youthful driver, 55 and retired, and renewal discount.
  • Liberty Mutual offers premium reductions for preferred payment discount, exclusive group savings, newly retired, newly married, teen driver discount, safety features, and new graduate.
  • American Family may offer discounts for multi-vehicle, mySafetyValet, bundled insurance, defensive driver, TimeAway discount, Steer into Savings, and good student.
  • Progressive has savings for multi-policy, good student, online quote discount, homeowner, multi-vehicle, and continuous coverage.

When getting free auto insurance quotes, it’s a good idea to each company or agent which discounts they offer. Some of the earlier mentioned discounts may not apply in your area. To see providers that can offer you the previously mentioned discounts, click here.

What insurance coverages do I need?

When choosing the right insurance coverage for your vehicles, there is no “best” method to buy coverage. Each situation is unique so your insurance needs to address that. These are some specific questions may help highlight whether or not you will benefit from professional help.

  • What can I do if my company won’t pay a claim?
  • Am I covered if I break a side mirror?
  • Does liability extend to a camper or trailer?
  • How does medical payments coverage work?
  • Is my trailer covered?
  • Are split liability limits better than a combined single limit?
  • Can I afford to pay high deductible claims out of pocket?

If you’re not sure about those questions but one or more may apply to you, you may need to chat with an insurance agent. If you don’t have a local agent, fill out this quick form or go to this page to view a list of companies. It only takes a few minutes and can help protect your family.

Coverages available on your policy

Knowing the specifics of your insurance policy helps when choosing appropriate coverage at the best deductibles and correct limits. The terms used in a policy can be ambiguous and reading a policy is terribly boring. Below you’ll find typical coverage types found on the average insurance policy.

Uninsured Motorist or Underinsured Motorist insurance – This protects you and your vehicle from other motorists when they either are underinsured or have no liability coverage at all. Covered claims include hospital bills for your injuries and damage to your Toyota RAV4.

Since a lot of drivers carry very low liability coverage limits, their liability coverage can quickly be exhausted. This is the reason having UM/UIM coverage is very important. Frequently these limits are set the same as your liablity limits.

Comprehensive coverage (or Other than Collision) – This coverage will pay to fix damage OTHER than collision with another vehicle or object. You first have to pay a deductible and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive can pay for things like a broken windshield, rock chips in glass, vandalism and hitting a bird. The maximum payout you can receive from a comprehensive claim is the ACV or actual cash value, so if the vehicle is not worth much it’s probably time to drop comprehensive insurance.

Insurance for medical payments – Personal Injury Protection (PIP) and medical payments coverage provide coverage for short-term medical expenses for things like dental work, X-ray expenses, prosthetic devices and funeral costs. They are used to cover expenses not covered by your health insurance plan or if you lack health insurance entirely. Medical payments and PIP cover you and your occupants as well as any family member struck as a pedestrian. PIP is not an option in every state but can be used in place of medical payments coverage

Coverage for liability – This coverage protects you from injuries or damage you cause to people or other property by causing an accident. Liability coverage has three limits: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You might see values of 100/300/100 which stand for a limit of $100,000 per injured person, $300,000 for the entire accident, and a limit of $100,000 paid for damaged property. Occasionally you may see a combined single limit or CSL which provides one coverage limit rather than limiting it on a per person basis.

Liability insurance covers things like loss of income, funeral expenses, legal defense fees and medical expenses. How much liability should you purchase? That is up to you, but you should buy as high a limit as you can afford.

Collision – This will pay to fix damage to your RAV4 from colliding with a stationary object or other vehicle. You first must pay a deductible and then insurance will cover the remainder.

Collision coverage protects against claims such as scraping a guard rail, damaging your car on a curb, driving through your garage door and hitting a parking meter. Collision is rather expensive coverage, so consider removing coverage from lower value vehicles. Another option is to raise the deductible in order to get cheaper collision rates.

Summing up your car insurance search

Cheaper 2000 Toyota RAV4 insurance can be bought from both online companies and also from your neighborhood agents, and you should compare rates from both so you have a total pricing picture. A few companies may not have online price quotes and many times these smaller companies work with local independent agencies.

As you shop your coverage around, it’s a bad idea to skimp on critical coverages to save a buck or two. There are too many instances where an insured dropped liability coverage limits and discovered at claim time that it was a big error on their part. Your goal is to buy enough coverage at the best price while not skimping on critical coverages.

We just presented many ideas to save on 2000 Toyota RAV4 insurance. The key thing to remember is the more price quotes you have, the higher the chance of saving money. You may even discover the best rates are with a company that doesn’t do a lot of advertising. Smaller companies may often insure only within specific states and give getter rates than the large multi-state companies such as GEICO and State Farm.

Additional information can be found on the following sites: