View 2013 Toyota RAV4 EV Insurance Rates

No normal person anticipates paying for insurance, particularly when they could get a better deal.

Companies like GEICO, 21st Century and Progressive increase brand awareness with advertising and consumers find it hard to see through the deception and do the work needed to find the best deal.

Consumers should take time to shop coverage around periodically because prices change quite often. Just because you found the best deal on RAV4 EV coverage two years ago the chances are good that you can find a lower premium rate today. Forget anything you know (or think you know) about insurance because you’re about to learn the fastest and easiest way to buy cheaper insurance.

If you are paying for car insurance now, you stand a good chance to be able to cut costs considerably using these techniques. Finding affordable coverage is quite easy. Although drivers must understand how big insurance companies market insurance on the web and apply this information to your search.

Get cheaper insurance rates with discounts

Insurance is expensive, but discounts can save money and there are some available that could help you make your next renewal payment. Larger premium reductions will be automatically applied at quote time, but some need to be inquired about prior to getting the savings.

  • Early Renewal Discounts – A few insurance companies allow discounts for switching companies prior to your current policy expiring. You could save around 10% when you buy auto insurance online.
  • Waiver for an Accident – Not really a discount, but a handful of insurance companies allow you one accident without the usual rate increase so long as you are claim-free for a particular time prior to the accident.
  • No Accidents – Drivers with accident-free driving histories can earn big discounts as compared to policyholders that have many claims.
  • Pay Now and Pay Less – By paying your entire bill at once instead of paying each month you can avoid the installment charge.
  • Save with More Vehicles Insured – Purchasing coverage when you have more than one vehicle on one policy qualifies for this discount.
  • Passive Restraint Discount – Factory air bags or automatic seat belts could see savings of 25 to 30%.
  • Drive Safe and Save – Drivers who avoid accidents may receive a discount up to 45% on RAV4 EV coverage than less cautious drivers.

Policy discounts save money, but many deductions do not apply the the whole policy. Some only apply to the price of certain insurance coverages like comp or med pay. So even though it sounds like you would end up receiving a 100% discount, you’re out of luck. But any discount will bring down your policy premium.

If you would like to choose from a list of insurance companies who offer insurance discounts, click this link.

How much is auto insurance?

When shopping for auto insurance there are multiple ways to get quotes from local auto insurance companies. The simplest method to compare Toyota RAV4 EV insurance prices consists of shopping online. This is very easy and can be done in a couple minutes as outlined below.

  • The best way to find the lowest comparison rates would be an industry-wide quote request form like this one (opens in new window). This style of form keeps you from doing separate quotation requests for each price estimate. A single form gets prices estimates instantly.
  • A slightly less efficient method to analyze rates is to manually visit each company website to complete their respective quote request forms. For sake of this example, let’s assume you want to compare prices for Progressive, GEICO and Allstate. You would need to go to every website and repeatedly enter your information, which is why the first method is more popular. For a list of links to insurance companies in your area, click here.

It’s up to you which method you use, but make sure you are using the same coverage information on every price quote you get. If you are comparing higher or lower deductibles you will not be able to make a fair rate comparison. Having just a slight variation in coverages could throw off the whole comparison. Keep in mind that more quotes increases your odds of finding better pricing.

Tailor your car insurance coverage to you

When it comes to choosing coverage, there really is not a “perfect” insurance plan. Everyone’s needs are different and a cookie cutter policy won’t apply. For instance, these questions may help highlight whether you would benefit from professional advice.

  • Is there coverage for injuries to my pets?
  • Do I get a pro-rated refund if I cancel my policy early?
  • Am I covered if my car is in a flood?
  • What companies insure drivers after a DUI or DWI?
  • Why do I only qualify for high-risk insurance?
  • Is a new car covered when I drive it off the dealer lot?

If it’s difficult to answer those questions but you know they apply to you, you may need to chat with a licensed insurance agent. To find an agent in your area, complete this form or you can go here for a list of companies in your area.

Car insurance coverages and their meanings

Learning about specific coverages of car insurance aids in choosing the right coverages for your vehicles. The coverage terms in a policy can be difficult to understand and coverage can change by endorsement. Listed below are typical coverage types offered by car insurance companies.

Uninsured and underinsured coverage – This provides protection when the “other guys” either are underinsured or have no liability coverage at all. Covered losses include medical payments for you and your occupants and damage to your Toyota RAV4 EV.

Because many people only purchase the least amount of liability that is required, their liability coverage can quickly be exhausted. So UM/UIM coverage should not be overlooked. Most of the time your uninsured/underinsured motorist coverages are similar to your liability insurance amounts.

Collision – This covers damage to your RAV4 EV resulting from colliding with another vehicle or an object, but not an animal. You will need to pay your deductible and then insurance will cover the remainder.

Collision can pay for things like colliding with a tree, crashing into a building, damaging your car on a curb and hitting a parking meter. Collision coverage makes up a good portion of your premium, so analyze the benefit of dropping coverage from older vehicles. Another option is to choose a higher deductible in order to get cheaper collision rates.

Comprehensive coverages – This coverage pays to fix your vehicle from damage from a wide range of events other than collision. You need to pay your deductible first and then insurance will cover the rest of the damage.

Comprehensive can pay for claims such as fire damage, hitting a bird and hail damage. The maximum amount your car insurance company will pay is the actual cash value, so if the vehicle’s value is low consider dropping full coverage.

Coverage for medical payments – Medical payments and Personal Injury Protection insurance kick in for expenses like dental work, nursing services and EMT expenses. The coverages can be used to cover expenses not covered by your health insurance program or if you do not have health coverage. Medical payments and PIP cover not only the driver but also the vehicle occupants and also covers being hit by a car walking across the street. Personal Injury Protection is not an option in every state and may carry a deductible

Coverage for liability – Liability coverage protects you from damage or injury you incur to other’s property or people by causing an accident. It protects you from legal claims by others. It does not cover your injuries or vehicle damage.

It consists of three limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You might see values of 100/300/100 which means $100,000 in coverage for each person’s injuries, a total of $300,000 of bodily injury coverage per accident, and a total limit of $100,000 for damage to vehicles and property. Occasionally you may see a combined single limit or CSL that pays claims from the same limit without having the split limit caps.

Liability insurance covers things such as structural damage, loss of income, court costs and medical expenses. How much coverage you buy is up to you, but it’s cheap coverage so purchase as much as you can afford.

A penny saved is a penny earned

When shopping online for insurance coverage, it’s very important that you do not reduce needed coverages to save money. There have been many situations where someone sacrificed comprehensive coverage or liability limits only to regret at claim time that saving that couple of dollars actually costed them tens of thousands. Your objective should be to purchase a proper amount of coverage for the lowest cost while still protecting your assets.

Throughout this article, we presented many tips how you can shop for 2013 Toyota RAV4 EV insurance online. The key thing to remember is the more providers you compare, the better your chances of lowering your prices. Consumers could even find that the best premium rates are with a small local company. Smaller companies may only write in your state and offer lower prices than the large multi-state companies such as State Farm and Allstate.

For more information, take a look at the resources below: