2013 Toyota RAV4 Insurance Quotes

Have you finally had enough of wondering where the money will come from to keep your car insured? You are in the same boat as many other drivers. Due to the fact that there are so many online and local companies to choose from, it is very difficult to choose the lowest price insurer.

It’s important to compare rates before your policy renews because prices change quite often. Despite the fact that you may have had the lowest rate for RAV4 coverage a year ago you will most likely find a better premium rate today. Block out anything you think you know about insurance coverage because you’re about to find out the tricks you need to know to find better coverage at a better price.

This information will familiarize you with how to effectively get price quotes and some money-saving tips. If you are paying for car insurance now, you will most likely be able to cut costs considerably using this information. Drivers just need to know the most effective way to compare rates on the web.

Learn how to quote insurance coverage more affordably

It’s important that you understand some of the elements that aid in calculating your premiums. If you have a feel for what determines base rates, this allows you to make good choices that could help you find better insurance coverage rates.

  • Being married can save you money – Your spouse may earn you lower rates on your insurance coverage bill. It means you’re more stable financially and statistics prove married drivers get in fewer accidents.
  • Don’t get traffic citations – Being a careful driver has a lot to do with how much you pay for insurance. Good drivers receive lower rates compared to bad drivers. Having a single moving violation may increase your cost twenty percent or more. People who have serious tickets like reckless driving or DUI may need to file a proof of financial responsibility form (SR-22) with their state in order to legally drive a vehicle.
  • Where you call home is a factor – Living in less populated areas of the country can be a good thing when talking about insurance coverage. Lower population means fewer accidents. Drivers who live in large cities regularly have more auto accidents and a longer drive to work. Spending more time driving translates into higher accident risk.
  • Never go without insurance coverage – Driving without insurance is illegal and companies may charge more for letting your insurance expire. In addition to paying higher rates, being ticketed for driving with no insurance could earn you a license revocation or jail time. You may then be required to file a SR-22 with your state motor vehicle department.
  • Frequent insurance claims increase prices – Insurance companies generally give the lowest premiums to drivers who are not frequent claim filers. If you file a lot of claims you can definitely plan on increased rates or even have your policy non-renewed. Auto insurance is designed for the large, substantial claims.
  • Reduce rates by driving safer vehicles – Cars with high safety ratings tend to have lower insurance rates. These vehicles reduce occupant injuries and fewer injuries translates into fewer and smaller insurance claims and lower rates for you. If your Toyota earned at least four stars on Safercar.gov it may be receiving lower rates.
  • Do you work long hours in a stressful vocation? – Occupational choices like judgesairline pilots and emergency personnel are shown to have higher premium rates attributed to high stress levels and incredibly demanding work hours. Conversely, jobs such as scientists, engineers and retirees pay lower than average rates for RAV4 coverage.

How to get cheap car insurance

There are a lot of ways to compare car insurance quotes, but there is one way that is easier and takes less work. You can waste hours talking to agents in your area, or you can stay home and use online quotes to accomplish the same thing much quicker.

Most car insurance companies belong to a marketplace that allows shoppers to submit one quote, and at least one company then returns a price quote based on that data. This prevents consumers from doing repetitive form submissions for each company.

To compare pricing click to open in new window.

One minor caviat to getting quotes like this is buyers cannot specifically choose which companies you want pricing from. So if you prefer to choose individual companies to compare prices, we have a listing of low cost car insurance companies in your area. Click to view list.

Compare rates however you want, just try to use apples-to-apples information on every quote. If each company quotes different limits and deductibles on each one it will be next to impossible to make a fair comparison for your Toyota RAV4.

Advertising and insurance coverage

Consumers can’t avoid all the ads for insurance coverage savings by companies like State Farm and Allstate. They all seem to make the point that you can save if you switch your coverage.

How does each company charge lower premium rates? Here is how they do it.

Insurance coverage companies give the best rates for the type of driver that earns them the highest profit. For instance, a preferred risk might be described as between the ages of 40 and 55, has never had a policy lapse, and drives less than 7,500 miles a year. A driver that matches those criteria will probably get cheap premium rates and will probably save money with a new company.

People who don’t qualify for those standards will be quoted a higher rate which leads to the customer not purchasing. If you listen closely, the ads state “drivers that switch” not “everyone that quotes” save the amount stated. That’s the way insurance companies can confidently claim big savings.

Different companies use different criteria so you really should compare rate quotes every year. It is just not possible to predict which company will have the best car insurance rates for your profile.

Discounts for cheap insurance coverage rates

Insurance coverage is not inexpensive, but discounts can save money and there are some available that may help make it more affordable. Many discounts should be triggered when you purchase, but some must be manually applied prior to receiving the credit. If you’re not getting every credit possible, you could be paying more than you need to.

  • Paperless Signup – Many insurance companies will give a small break get car insurance digitally online.
  • Membership in Organizations – Being in qualifying clubs or civic groups could trigger savings on your next insurance coverage statement.
  • Multiple Cars – Buying coverage for all your vehicles on one policy qualifies for this discount.
  • Payment Discounts – If you can afford to pay the entire bill rather than paying in monthly installments you can actually save on your bill.
  • Auto/Life Discount – If the company offers life insurance, you could get a discount if you purchase life insurance from them.
  • Seat Belts Save more than Lives – Buckling up and requiring all passengers to buckle up before driving could cut 10% or more on the premium charged for medical payments and/or PIP.

As a sidenote, most of the big mark downs will not be given to the entire cost. Most only reduce specific coverage prices like comprehensive or collision. If you do the math and it seems like having all the discounts means you get insurance for free, companies wouldn’t make money that way. Any amount of discount will help lower your premiums.

A few companies that may include some of the discounts shown above may include but are not limited to:

When comparing rates, check with each insurance company to give you their best rates. Some discounts listed above may not be offered in your area. If you would like to view companies offering insurance coverage discounts, follow this link.

You may need specialized insurance coverage coverage

When it comes to choosing the right insurance coverage for your personal vehicles, there isn’t really a perfect coverage plan. Each situation is unique so this has to be addressed. For example, these questions may help highlight if your situation might need an agent’s assistance.

  • Am I covered when pulling a rental trailer?
  • Why am I required to buy high-risk coverage?
  • What vehicles should carry emergency assistance coverage?
  • I have a DUI can I still get coverage?
  • Will I be non-renewed for getting a DUI or other conviction?
  • What if I owe more than I can insure my car for?
  • Can I get a multi-policy discount?
  • Do I get a pro-rated refund if I cancel my policy early?

If you’re not sure about those questions, you might consider talking to an agent. To find an agent in your area, complete this form or click here for a list of insurance coverage companies in your area. It’s fast, doesn’t cost anything and can help protect your family.

Specific coverages for a 2013 Toyota RAV4

Learning about specific coverages of auto insurance can help you determine the right coverages and proper limits and deductibles. Policy terminology can be impossible to understand and nobody wants to actually read their policy. Below you’ll find typical coverages offered by auto insurance companies.

Insurance for medical payments

Personal Injury Protection (PIP) and medical payments coverage kick in for expenses like nursing services, dental work, EMT expenses, hospital visits and surgery. They are used in conjunction with a health insurance policy or if there is no health insurance coverage. They cover you and your occupants in addition to getting struck while a pedestrian. PIP is not universally available but can be used in place of medical payments coverage

Comprehensive coverage (or Other than Collision)

Comprehensive insurance pays to fix your vehicle from damage OTHER than collision with another vehicle or object. You need to pay your deductible first then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage protects against claims like vandalism, hail damage and rock chips in glass. The highest amount a auto insurance company will pay at claim time is the cash value of the vehicle, so if the vehicle’s value is low it’s probably time to drop comprehensive insurance.

Liability car insurance

Liability insurance provides protection from damages or injuries you inflict on other people or property that is your fault. This coverage protects you from legal claims by others. Liability doesn’t cover your injuries or vehicle damage.

It consists of three limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You commonly see values of 100/300/100 which means a limit of $100,000 per injured person, a per accident bodily injury limit of $300,000, and a total limit of $100,000 for damage to vehicles and property. Some companies may use one limit called combined single limit (CSL) which combines the three limits into one amount without having the split limit caps.

Liability insurance covers claims such as legal defense fees, structural damage and medical services. How much coverage you buy is up to you, but consider buying higher limits if possible.

Auto collision coverage

Collision coverage pays to fix your vehicle from damage caused by collision with an object or car. You have to pay a deductible then your collision coverage will kick in.

Collision coverage protects against things such as sustaining damage from a pot hole, scraping a guard rail, rolling your car, damaging your car on a curb and crashing into a building. Collision is rather expensive coverage, so you might think about dropping it from lower value vehicles. You can also increase the deductible to get cheaper collision coverage.

Uninsured Motorist or Underinsured Motorist insurance

Uninsured or Underinsured Motorist coverage gives you protection when other motorists 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 have only the minimum liability required by law, their liability coverage can quickly be exhausted. For this reason, having high UM/UIM coverages is a good idea. Usually the UM/UIM limits are similar to your liability insurance amounts.

Shop around and save

While you’re price shopping online, it’s very important that you do not reduce needed coverages to save money. In too many instances, someone sacrificed collision coverage and discovered at claim time that the small savings ended up costing them much more. The aim is to buy the best coverage you can find at the best price and still be able to protect your assets.

Cheaper car insurance can be bought from both online companies in addition to local insurance agencies, so you need to quote car insurance with both to have the best selection. There are still a few companies who may not provide rate quotes online and these small, regional companies only sell coverage through independent agents.

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