2016 Toyota RAV4 Insurance Rates – 9 Tricks for Best Quotes

Trying to find cheaper insurance could be difficult for drivers new to quoting and comparing rates online. When there are so many companies, it can easily be a ton of work to find more affordable rates.

Use discounts to get cheaper auto insurance rates

Auto insurance companies don’t list every discount in an easy-to-find place, so the list below gives a summary of both well-publicized and also the lesser-known credits that you can use to lower your rates.

  • Multi-Vehicle Discounts – Purchasing coverage when you have several vehicles on the same auto insurance policy can reduce rates for all insured vehicles.
  • Good Student – Getting good grades can get you a discount of up to 25%. Most companies allow this discount well after school through age 25.
  • College Student Discount – College-age children who live away from home to go to college and do not have a car can be insured at a reduced rate.
  • Anti-theft System – Vehicles equipped with tracking devices and advanced anti-theft systems are less likely to be stolen and can earn a small discount on your policy.
  • Government Employees – Simply working for the federal government can save as much as 8% for RAV4 insurance depending on your auto insurance provider.
  • Bundled Policy Discount – If you have multiple policies with one company you may earn nearly 15% which can help you find the cheapest auto insurance.
  • Driver’s Ed – Make teen driver coverage more affordable by requiring them to complete a driver education course in high school.
  • Driving Data Discount – Insureds who allow their insurance company to study driving habits through the use of a telematics system like In-Drive from State Farm and Progressive’s Snapshot might get better premium rates as long as the data is positive.
  • Lower Rates for Military – Being deployed with a military unit could be rewarded with lower auto insurance rates.

As a footnote on discounts, most credits do not apply to your bottom line cost. Some only reduce individual premiums such as medical payments or collision. Even though it may seem like you can get free auto insurance, you’re out of luck. Any amount of discount will help reduce the amount you pay for coverage.

A few of the larger companies and the discounts they provide are:

  • Farmers Insurance offers discounts for homeowner, distant student, pay in full, teen driver, youthful driver, and multi-car.
  • State Farm may have discounts that include multiple autos, multiple policy, good student, accident-free, passive restraint, and student away at school.
  • Liberty Mutual has savings for preferred payment discount, newly retired, newly married, hybrid vehicle, new move discount, and new graduate.
  • MetLife offers premium reductions for defensive driver, multi-policy, accident-free, claim-free, good student, and good driver.
  • Progressive may offer discounts for multi-policy, online quote discount, online signing, multi-vehicle, continuous coverage, and good student.

When getting a coverage quote, ask each company or agent which credits you are entitled to. A few discounts may not apply to policyholders in your area. To view companies that offer some of these discounts, click here to view.

How to lower your insurance coverage cost

Most companies provide price estimates on their websites. Getting online quotes is very simple because it’s just a matter of typing in the coverage amounts you desire on the page. Once you submit the form, the company’s rating system will order credit information and your driving record and returns a price based on these factors.

Being able to quote online streamlines rate comparisons, but having to visit each company’s website and repetitively fill out multiple forms is a waste of time. But it’s necessary to do this if you want to find a better rate.

There is an easier way to compare rates

The smarter way to get multiple rate quotes uses just one form to obtain quotes from multiple companies. The form is fast, requires much less work on your part, and makes online price comparison much more enjoyable and efficient. Immediately after you send the form, your coverage is rated and you can select any of the quote results. If you find a better price you can simply submit the application and buy the policy. The whole process only takes a few minutes and you will know how your current rates stack up.

If you want to fill out one form to compare multiple rates now, click here to open in a new tab and complete the simple form. If you currently have coverage, we recommend you replicate the coverages identical to your current policy. This helps ensure you are getting a fair comparison for exact coverage.

Tailor your insurance coverage coverage to you

When it comes to buying adequate coverage, there really is not a “best” method to buy coverage. Everyone’s situation is unique.

For instance, these questions may help you determine whether you may require specific advice.

  • Is motorclub coverage worth it?
  • How much liability coverage do I need in my state?
  • Where can I get insurance after a DUI in my state?
  • Is my 2016 Toyota RAV4 covered for flood damage?
  • Do I need replacement cost coverage on my 2016 Toyota RAV4?
  • Am I covered if I crash into my own garage door?

If you don’t know the answers to these questions then you might want to talk to an insurance agent. If you want to speak to an agent in your area, fill out this quick form.

Brand name doesn’t guarantee savings

Companies like Progressive, GEICO, Allstate and State Farm endlessly run ads in print and on television. All the ads make an identical promise about how much you will save if you just switch your coverage. How does every car insurance company say the same thing? Here is the trick they use.

Many companies quote their cheapest rates for the type of insured that is profitable for them. One example of a profitable customer may be between the ages of 30 and 50, has a clear driving record, and drives less than 10,000 miles a year. Any new insured who fits that profile will get a cheap rate quote and have a good chance to save when they switch companies.

Potential insureds who don’t qualify for the ideal profile may receive higher rates and the prospect going elsewhere. The trick companies use is to say “people that switch” not “everybody who quotes” save that much when switching. That is how insurance companies can make the claims of big savings. This really emphasizes why you should compare price quotes frequently. It’s just too difficult to predict which car insurance company will give you lower premium rates than your current company.

Auto insurance coverage information

Knowing the specifics of your car insurance policy can help you determine appropriate coverage for your vehicles. The terms used in a policy can be impossible to understand and even agents have difficulty translating policy wording.

Coverage for medical payments

Med pay and PIP coverage provide coverage for short-term medical expenses such as surgery, chiropractic care, dental work and funeral costs. The coverages can be used in conjunction with a health insurance policy or if you are not covered by health insurance. Medical payments and PIP cover you and your occupants and also covers any family member struck as a pedestrian. PIP is not universally available but can be used in place of medical payments coverage

Liability car insurance

Liability insurance will cover damage or injury you incur to other’s property or people that is your fault. Split limit liability has three limits of coverage: per person bodily injury, per accident bodily injury, and a property damage limit. You might see liability limits of 50/100/50 that means you have a $50,000 limit per person for injuries, a total of $100,000 of bodily injury coverage per accident, and $50,000 of coverage for damaged propery.

Liability coverage pays for things like loss of income, funeral expenses, repair bills for other people’s vehicles, medical services and legal defense fees. How much coverage you buy is a decision to put some thought into, but consider buying as much as you can afford.

Comprehensive coverages

Comprehensive insurance pays to fix your vehicle from damage OTHER than collision with another vehicle or object. You first must pay your deductible then your comprehensive coverage will pay.

Comprehensive coverage pays for claims like theft, vandalism and fire damage. The most your car insurance company will pay is the market value of your vehicle, so if the vehicle’s value is low it’s probably time to drop comprehensive insurance.

Uninsured and underinsured coverage

Uninsured or Underinsured Motorist coverage gives you protection from other motorists when they 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.

Due to the fact that many drivers have only the minimum liability required by law, their limits can quickly be used up. So UM/UIM coverage is important protection for you and your family.

Auto collision coverage

This will pay to fix damage to your RAV4 from colliding with another vehicle or an object, but not an animal. You first must pay a deductible then your collision coverage will kick in.

Collision coverage pays for things like crashing into a ditch, sustaining damage from a pot hole and backing into a parked car. Paying for collision coverage can be pricey, so consider dropping it from older vehicles. Drivers also have the option to bump up the deductible to get cheaper collision coverage.

Have the Midas touch

When searching for low cost auto insurance quotes, do not reduce coverage to reduce premium. In many instances, someone sacrificed comprehensive coverage or liability limits only to regret at claim time they didn’t have enough coverage. The proper strategy is to buy a smart amount of coverage at the best possible price, not the least amount of coverage.

Insureds who switch companies do it for a number of reasons such as being labeled a high risk driver, an unsatisfactory settlement offer, denial of a claim or questionable increases in premium. No matter why you want to switch, switching insurance coverage companies is pretty easy and you might even save some money in the process.

Cheap 2016 Toyota RAV4 insurance is definitely available on the web and from local agencies, and you need to price shop both to have the best selection. Some insurance companies do not provide the ability to get a quote online and most of the time these smaller companies sell through independent agents.

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