How Much Does 2016 Toyota RAV4 Hybrid Car Insurance Cost?

Buyers have many options when searching for low-cost Toyota RAV4 Hybrid insurance. They can either waste time contacting agents to get rate comparisons or utilize the internet to find the lowest rates.

There is a right way and a wrong way to buy insurance so we’re going to tell you the quickest way to price shop coverage for your Toyota and obtain the best price possible.

You should take the time to get comparison quotes yearly since insurance rates are constantly changing. Just because you had the best deal for RAV4 Hybrid coverage on your last policy there may be better deals available now. Forget all the misinformation about insurance because we’re going to show you the best way to properly buy coverages and cut your premium.

Affordable car insurance

There are a variety of methods to compare car insurance quotes, but one way is less labor-intensive and much quicker. You could waste a few hours talking to insurance companies in your area, or you could save time and use online quoting to achieve your goal.

Most car insurance companies participate in a marketplace where prospective buyers submit their information once, and every company returns a competitive quote based on that data. This eliminates the need for repetitive form submissions for every car insurance company.

To access this free quoting program, click here (opens in new window).

The only drawback to using this type of form is you cannot specify which providers you will receive quotes from. So if you prefer to choose specific insurance companies to request quotes from, we have assembled a list of car insurance companies in your area. Click here to view list.

It’s up to you how you get prices quotes, just be certain you are entering apples-to-apples deductibles and coverage limits with every price quote. If you use different data you will not be able to determine the lowest rate for your Toyota RAV4 Hybrid.

Are you earning every discount?

Insurance coverage is neither fun to buy or cheap, but you may qualify for discounts that may help make it more affordable. Certain credits will be shown at the time of quoting, but once in a while a discount must be asked about before being credited.

  • Good Grades Discount – Maintaining excellent grades can save 20 to 25%. You can use this discount normally well after school through age 25.
  • Pay Upfront and Save – By making one initial payment instead of making monthly payments you may have a lower total premium amount.
  • Military Discounts – Being deployed with a military unit may lower your premium rates slightly.
  • Passive Restraint Discount – Vehicles equipped with air bags can receive discounts of 20 to 30 percent.
  • Multiple Vehicles – Buying a policy with multiple cars or trucks with the same insurance coverage company may reduce the rate for each vehicle.
  • Theft Deterent Discount – Cars equipped with tracking devices and advanced anti-theft systems help deter theft and qualify for as much as a 10% discount.
  • Employee of Federal Government – Active or former government employment can save as much as 8% for RAV4 Hybrid coverage with select insurance companies.
  • New Vehicle Savings – Putting insurance coverage on a new car may earn a small discount since newer models have better safety ratings.
  • Discounts for Cautious Drivers – Drivers without accidents may save up to 50% more for RAV4 Hybrid coverage compared to rates paid by drivers with frequent claims.
  • Driver Education Discount – Have your child take driver’s ed class as it can save substantially.

As is typical with insurance, many deductions do not apply the the whole policy. Some only reduce individual premiums such as medical payments or collision. Even though the math looks like adding up those discounts means a free policy, company stockholders wouldn’t be very happy.

A partial list of companies that may include most of the discounts above are:

It’s a good idea to ask all the companies which credits you are entitled to. A few discounts may not be available in your area. If you would like to view insurers that offer the discounts shown above, follow this link.

When in doubt talk to an agent

When choosing the right insurance coverage for your personal vehicles, there really is not a best way to insure your cars. Everyone’s situation is unique.

For example, these questions might point out whether or not you might need an agent’s assistance.

  • When should I buy a commercial auto policy?
  • When should I not file a claim?
  • Am I covered if I drive in a foreign country?
  • Will my insurance pay for OEM parts?
  • Should I drop comprehensive coverage on older vehicles?
  • Is there coverage for injuries to my pets?
  • Are my tools covered if they get stolen from my vehicle?

If you don’t know the answers to these questions, then you may want to think about talking to a licensed insurance agent. To find lower rates from a local agent, fill out this quick form. It only takes a few minutes and may give you better protection.

Car insurance coverages and their meanings

Knowing the specifics of car insurance can be of help when determining which coverages you need at the best deductibles and correct limits. Car insurance terms can be confusing and coverage can change by endorsement.

Coverage for uninsured or underinsured drivers

This protects you and your vehicle from other drivers when they do not carry enough liability coverage. This coverage pays for injuries to you and your family as well as your vehicle’s damage.

Since many 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. Most of the time these limits are similar to your liability insurance amounts.

Auto collision coverage

Collision insurance pays to fix your vehicle from damage resulting from a collision with an object or car. A deductible applies then the remaining damage will be paid by your insurance company.

Collision can pay for things such as sideswiping another vehicle, colliding with another moving vehicle and colliding with a tree. Collision coverage makes up a good portion of your premium, so you might think about dropping it from older vehicles. Another option is to increase the deductible to bring the cost down.

Coverage for medical expenses

Personal Injury Protection (PIP) and medical payments coverage kick in for short-term medical expenses for chiropractic care, prosthetic devices, rehabilitation expenses and hospital visits. They can be used to cover expenses not covered by your health insurance policy or if you lack health insurance entirely. It covers both the driver and occupants and also covers if you are hit as a while walking down the street. PIP is not an option in every state but can be used in place of medical payments coverage

Comprehensive car insurance

This pays to fix your vehicle from damage OTHER than collision with another vehicle or object. You need to pay your deductible first and then insurance will cover the rest of the damage.

Comprehensive coverage protects against things such as falling objects, fire damage, hitting a bird and damage from flooding. The highest amount a car insurance company will pay at claim time is the actual cash value, so if the vehicle is not worth much it’s probably time to drop comprehensive insurance.

Liability coverage

This protects you from damage or injury you incur to people or other property that is your fault. This coverage protects you against other people’s claims. It does not cover damage to your own property or vehicle.

Liability coverage has three limits: bodily injury per person, bodily injury per accident and property damage. As an example, you may have values of 50/100/50 that translate to $50,000 in coverage for each person’s injuries, a per accident bodily injury limit of $100,000, and a total limit of $50,000 for damage to vehicles and property. Some companies may use one limit called combined single limit (CSL) which provides one coverage limit rather than limiting it on a per person basis.

Liability can pay for claims such as pain and suffering, funeral expenses, legal defense fees, bail bonds and medical expenses. The amount of liability coverage you purchase is your choice, but you should buy higher limits if possible.

Don’t be a big spender

Drivers change insurance companies for a variety of reasons including lack of trust in their agent, high prices, not issuing a premium refund and denial of a claim. It doesn’t matter what your reason, choosing a new company is pretty simple and you could end up saving a buck or two.

As you restructure your insurance plan, it’s not a good idea to buy poor coverage just to save money. In too many instances, someone dropped comprehensive coverage or liability limits to discover at claim time that the savings was not a smart move. Your aim should be to find the BEST coverage at the best possible price and still be able to protect your assets.

We’ve covered a lot of information how to reduce 2016 Toyota RAV4 Hybrid insurance car insurance rates online. The key thing to remember is the more rate quotes you have, the better your comparison will be. You may even discover the most savings is with a small mutual company.

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