2012 Toyota RAV4 Insurance Rates – 10 Tips for Best Quotes

Trying to find better auto insurance rates for your Toyota RAV4? Searching for better insurance prices for a Toyota RAV4 can turn out to be difficult, but you can use the following methods and make it easy. There is a better way to shop for auto insurance so we’re going to tell you the best way to get price quotes on a Toyota and get the best price possible from local insurance agents and online providers.

If you have a current auto insurance policy or are looking for a new policy, you can follow these tips to shop for the lowest rates while maintaining coverages. Buying affordable auto insurance coverage can be fairly easy. Drivers just need to learn the proper way to buy auto insurance online.

The best way we recommend to compare car insurance company rates is to know the trick most larger insurance companies have advanced systems to compare rate quotes. To start a quote, the only thing you need to do is give them rating details such as the year, make and model of vehicles, whether you drive to work or school, if you have an active license, and the ages of drivers. Your rating data is automatically sent to insurance companies and you receive quotes instantly.

Cheaper rates with these ten discounts

Auto insurance is easily one of your largest bills, but you might already qualify for some discounts to cut the cost considerably. A few discounts will automatically apply when you get a quote, but a few need to be manually applied prior to receiving the credit.

  • Senior Citizen Discount – Drivers that qualify as senior citizens can possibly qualify for better auto insurance rates for RAV4 coverage.
  • Cautious Driver Discounts – Accident-free drivers can save as much as half off their rates for RAV4 coverage compared to accident prone drivers.
  • Student Discount for Driver Training – Teen drivers should participate in a local driver’s education class in school or through a local driver safety program.
  • Organization Discounts – Belonging to a professional or civic organization is a good way to get lower rates on your policy.
  • Federal Employees – Employees or retirees of the government can save as much as 8% for RAV4 coverage with a few auto insurance companies.
  • Pay Early and Save – If you pay your entire premium ahead of time instead of paying each month you may reduce your total bill.
  • Defensive Driving Course – Taking time to complete a course that instructs on driving safety can save you 5% or more and easily recoup the cost of the course.
  • Passive Restraint Discount – Factory air bags or motorized seat belts may qualify for discounts of up to 25% or more.
  • Discount for New Cars – Putting coverage on a new car can cost up to 25% less since newer vehicles are generally safer.
  • Switch and Save Discount – Some companies provide a discount for buying a policy prior to your current policy expiring. You could save around 10% when you buy auto insurance online.

While discounts sound great, it’s important to understand that most discount credits are not given the the whole policy. Most cut the price of certain insurance coverages like liability and collision coverage. So when the math indicates you could get a free auto insurance policy, company stockholders wouldn’t be very happy. But any discount will help reduce your premiums.

The best auto insurance companies and a partial list of their discounts are included below.

  • 21st Century offers premium reductions for early bird, air bags, anti-lock brakes, student driver, good student, theft prevention, and defensive driver.
  • State Farm offers discounts including accident-free, anti-theft, Steer Clear safe driver discount, driver’s education, defensive driving training, and Drive Safe & Save.
  • AAA may have discounts that include multi-car, education and occupation, pay-in-full, good driver, anti-theft, and multi-policy.
  • Liberty Mutual offers discounts for newly married, new vehicle discount, multi-policy, multi-car, good student, and preferred payment discount.
  • Progressive discounts include multi-vehicle, multi-policy, good student, homeowner, online quote discount, and online signing.

If you want inexpensive auto insurance quotes, ask each insurance company which discounts can lower your rates. Some discounts might not be offered in your area. If you would like to choose from a list of insurance companies that can offer you the previously mentioned discounts, click here.

What is the best car insurance coverage?

When it comes to choosing adequate coverage for your vehicles, there really is no one size fits all plan. Coverage needs to be tailored to your specific needs.

These are some specific questions might point out if your situation may require specific advice.

  • Do I have newly-aquired coverage?
  • Do I need replacement cost coverage on my 2012 Toyota RAV4?
  • What is no-fault insurance?
  • What is the minimum liability in my state?
  • Do I need special endorsements for business use of my vehicle?
  • Why is insurance for a teen driver so high?
  • Can I rent a car in Mexico?
  • Does my insurance cover damage caused when ticketed for reckless driving?
  • How much underlying liability do I need for an umbrella policy?

If you don’t know the answers to these questions but you know they apply to you then you might want to talk to an insurance agent. To find lower rates from a local agent, simply complete this short form. It’s fast, doesn’t cost anything and you can get the answers you need.

Car insurance coverage options for a Toyota RAV4

Understanding the coverages of your policy helps when choosing which coverages you need and proper limits and deductibles. Car insurance terms can be impossible to understand and coverage can change by endorsement.

Uninsured/Underinsured Motorist coverage

Your UM/UIM coverage protects you and your vehicle’s occupants from other drivers when they either are underinsured or have no liability coverage at all. This coverage pays for hospital bills for your injuries and also any damage incurred to your Toyota RAV4.

Since a lot of drivers only purchase the least amount of liability that is required, their liability coverage can quickly be exhausted. So UM/UIM coverage is very important.

Comprehensive coverage

This covers damage from a wide range of events other than collision. You first have to pay a deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage pays for claims such as hitting a bird, damage from flooding and fire damage. The highest amount a car insurance company will pay at claim time is the market value of your vehicle, so if the vehicle is not worth much it’s probably time to drop comprehensive insurance.

Auto liability insurance

This will cover injuries or damage you cause to other’s property or people. Liability coverage has three limits: bodily injury per person, bodily injury per accident and property damage. As an example, you may have policy limits of 100/300/100 which means $100,000 bodily injury coverage, a total of $300,000 of bodily injury coverage per accident, and $100,000 of coverage for damaged propery.

Liability coverage protects against things such as pain and suffering, funeral expenses, loss of income, legal defense fees and structural damage. The amount of liability coverage you purchase is your choice, but buy as much as you can afford.

Medical payments coverage and PIP

Coverage for medical payments and/or PIP reimburse you for bills for funeral costs, hospital visits, chiropractic care and prosthetic devices. They are often used to cover expenses not covered by your health insurance plan or if there is no health insurance coverage. Coverage applies to you and your occupants and also covers 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

Collision coverage

Collision insurance pays to fix your vehicle from damage from colliding with another vehicle or an object, but not an animal. You have to pay a deductible and the rest of the damage will be paid by collision coverage.

Collision coverage pays for claims such as sustaining damage from a pot hole, backing into a parked car, damaging your car on a curb and hitting a parking meter. Collision coverage makes up a good portion of your premium, so consider removing coverage from older vehicles. Another option is to raise the deductible to get cheaper collision coverage.

More comparisons equals lower rates

When shopping online for auto insurance, don’t be tempted to buy less coverage just to save a little money. There are many occasions where an insured cut collision coverage and found out when filing a claim that their decision to reduce coverage ended up costing them more. Your focus should be to buy a smart amount of coverage for the lowest price but still have enough coverage for asset protection.

We just showed you a lot of techniques to reduce 2012 Toyota RAV4 insurance rates online. The most important thing to understand is the more companies you get car insurance rates for, the higher your chance of finding affordable auto insurance. You may be surprised to find that the biggest savings come from the smaller companies.

People change insurance companies for a number of reasons such as delays in responding to claim requests, questionable increases in premium, extreme rates for teen drivers and even high prices. Regardless of your reason for switching companies, choosing a new company is less work than it seems.

Much more information about auto insurance can be found at the links below