Compare 2014 Toyota RAV4 Insurance Cost

Looking for the cheapest car insurance rates for your Toyota RAV4? Finding the cheapest insurance for a new or used Toyota RAV4 can be difficult, but you can use the following methods to save time. There is a better way to compare car insurance rates and we’ll show you the proper way to price shop coverage on a Toyota and locate the lowest price from local insurance agents and online providers.

Finding the best rates is not that difficult. If you are insured now or are shopping for new coverage, you can learn to get lower rates and possibly find even better coverage. Drivers only need to know the best way to compare rates online.

How to compare free car insurance price quotes

Finding a lower price on 2014 Toyota RAV4 insurance doesn’t have to be difficult. All you need to do is take the time to compare rate quotes to find. You can get a good selection of rate quotes by following the guidelines below.

One of the simplest ways to find low rates is a comparison rater form click here to open form in new window. This type of form saves time by eliminating repetitive form entry for each company. A single form gets prices estimates from multiple low-cost companies. Just one form and you’re done.
A more time consuming way to analyze rates is spending the time to visit each company’s website and get a separate price quote. For sake of this example, let’s assume you are doing a rate comparison from Progressive, Farmers and State Farm. In order to get each rate, you would have to go to every website and repeatedly type in your coverage information, which can get rather old.
For a handy list of car insurance company links in your area, click here.

How you compare quotes is your choice, just do your best to enter apples-to-apples coverages on every quote you get. If each company quotes different limits and deductibles on each one it will be very difficult to make an equal comparison.

Insurance coverage policy discounts

Buying insurance coverage is not cheap, but you may qualify for discounts that you may not know about. Many of these discounts will be applied automatically at quote time, but some discounts are required to be manually applied before being credited.

E-sign – A few companies will discount your bill up to fifty bucks for buying your policy on the web.
Telematics Discount – Policyholders that allow data collection to monitor their driving habits by using a small device installed in their vehicle like Allstate’s Drivewise may get a rate reduction if their driving habits are good.
Senior Citizens – Drivers that qualify as senior citizens can get a small decrease in premiums for RAV4 coverage.
Seat Belt Usage – Using a seat belt and requiring all passengers to use a seat belt can save up to 10 percent (depending on the company) on the premium charged for medical payments and/or PIP.
Discount for Home Ownership – Simply owning a home may trigger a policy discount on insurance coverage because it is proof of financial responsibility.
Early Switch Discount – Some companies provide a discount for buying a policy before your current expiration date. It can save you around 10%.
Driver’s Education for Students – Have your child sucessfully take a drivers education course in school.
Federal Government Employee – Active or former government employment could provide a small rate reduction for RAV4 coverage depending on your insurance coverage provider.

A little note about advertised discounts, most discount credits are not given to all coverage premiums. The majority will only reduce the cost of specific coverages such as liability, collision or medical payments. Despite the appearance that you can get free auto insurance, nobody gets a free ride.

A list of insurance coverage companies and a partial list of their discounts can be found below.

State Farm offers premium reductions for anti-theft, good student, student away at school, multiple autos, safe vehicle, driver’s education, and accident-free.
Esurance has savings for Switch & Save, claim free, renters, multi-policy, and online quote.
Progressive includes discounts for multi-policy, multi-vehicle, online quote discount, continuous coverage, homeowner, and online signing.
Liberty Mutual offers discounts for teen driver discount, multi-policy, preferred payment discount, good student, newly married, newly retired, and new graduate.
Auto-Owners Insurance has discounts for anti-lock brakes, teen driver, group or association, air bags, paid in full, and anti-theft.
GEICO offers discounts including daytime running lights, five-year accident-free, driver training, emergency military deployment, membership and employees, anti-theft, and air bags.

When comparing rates, check with each company to give you their best rates. Depending on the company, some discounts might not apply in your state. If you would like to choose from a list of companies that can offer you the previously mentioned discounts, follow this link.

How do I know if I need professional advice?

When it comes to buying the right insurance coverage for your personal vehicles, there really is no one size fits all plan. Everyone’s needs are different.

For example, these questions can help discover whether you would benefit from an agent’s advice.

Should I file a claim if it’s only slightly more than my deductible?
Which is better, split liability limits or combined limits?
Does liability extend to a camper or trailer?
Does my policy pay for OEM or aftermarket parts?
Does having multiple vehicles earn me a discount?
Is business equipment covered while in my vehicle?
Are all vehicle passengers covered by medical payments coverage?
What is PIP insurance?

If you don’t know the answers to these questions but one or more may apply to you, you might consider talking to a licensed insurance agent. To find lower rates from a local agent, simply complete this short form. It is quick, free and can help protect your family.

Educate yourself about insurance coverages

Learning about specific coverages of a insurance policy can help you determine appropriate coverage and proper limits and deductibles. The terms used in a policy can be confusing and coverage can change by endorsement.

Medical expense coverage

Personal Injury Protection (PIP) and medical payments coverage pay for bills such as hospital visits, X-ray expenses, pain medications and ambulance fees. They are often utilized in addition to your health insurance policy or if there is no health insurance coverage. Coverage applies to both the driver and occupants as well as getting struck while a pedestrian. PIP coverage is not available in all states and may carry a deductible

Uninsured or underinsured coverage

This coverage provides protection from other drivers when they either are underinsured or have no liability coverage at all. Covered losses include medical payments for you and your occupants as well as damage to your 2014 Toyota RAV4.

Because many people only carry the minimum required liability limits, it doesn’t take a major accident to exceed their coverage limits. So UM/UIM coverage is very important.

Auto collision coverage

This covers damage to your RAV4 resulting from a collision with another vehicle or an object, but not an animal. You will need to pay your deductible then your collision coverage will kick in.

Collision coverage protects against things such as rolling your car, driving through your garage door, sideswiping another vehicle and scraping a guard rail. Collision coverage makes up a good portion of your premium, so you might think about dropping it from lower value vehicles. You can also bump up the deductible to save money on collision insurance.

Auto liability

This provides protection from injuries or damage you cause to people or other property in an accident. It protects you from claims by other people, and does not provide coverage for your own vehicle damage or injuries.

Split limit liability has three limits of coverage: bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You commonly see values of 50/100/50 which stand for a $50,000 limit per person for injuries, a limit of $100,000 in injury protection per accident, and $50,000 of coverage for damaged propery.

Liability insurance covers things such as medical services, loss of income and repair costs for stationary objects. How much liability coverage do you need? That is up to you, but you should buy as much as you can afford.

Comprehensive protection

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

Comprehensive coverage pays for claims such as a tree branch falling on your vehicle, damage from getting keyed, hitting a deer and falling objects. The highest amount you’ll receive from a claim is the ACV or actual cash value, so if it’s not worth much more than your deductible consider removing comprehensive coverage.