2011 Toyota RAV4 Insurance Rates

Tired of paying out the nose to pay your car insurance bill each month? Your situation is no different than many other consumers. Drivers have multiple insurance companies to choose from, and although it’s a good thing to have a selection, too many choices makes it more difficult to find the best rates.

It’s a good habit to take a look at other company’s rates on a regular basis since insurance rates are variable and change quite frequently. Despite the fact that you may have had the best rates for RAV4 coverage a year ago you can probably find a better price now. So forget anything you know (or think you know) about car insurance because you’re going to learn the only way to reduce your cost while increasing coverage.

Finding affordable coverage is quite easy. If you have a policy now or need new coverage, you can use these techniques to find better prices while maintaining coverages. Consumers only need an understanding of the proper way to compare price quotes online.

Discounts are great for lower rates

Auto insurance companies don’t always list every discount in a way that’s easy to find, so we researched some of the best known as well as the least known savings tricks you should be using. If you aren’t receiving every discount possible, you’re paying more than you need to.

  • Drivers Education – Have your child complete a driver education course in school.
  • Accident Waiver – Certain companies allow you one accident without raising rates so long as you haven’t had any claims for a certain period of time.
  • Organization Discounts – Participating in a qualifying organization could trigger savings on your policy for RAV4 coverage.
  • Military Discounts – Having a family member in the military could be rewarded with lower premiums.
  • Braking Control Discount – Vehicles equipped with ABS or steering control prevent accidents and earn discounts up to 10%.
  • Federal Employees – Being employed by or retired from a federal job can earn a discount up to 10% for RAV4 coverage with select insurance companies.
  • No Accidents – Claim-free drivers can earn big discounts as compared to bad drivers.
  • Driver Safety – Completing a defensive driving course can save you 5% or more if your company offers it.

It’s important to note that most of the big mark downs will not be given the the whole policy. Most only apply to specific coverage prices like physical damage coverage or medical payments. So despite the fact that it appears all the discounts add up to a free policy, you’re out of luck.

To see a list of companies offering insurance coverage discounts, click this link.

Insurance Comparisons

Getting a lower price on 2011 Toyota RAV4 insurance is not a difficult process. The only requirement is to take time comparing rates provided by online insurance companies. This can be accomplished in a couple of different ways.

  1. The best way to find low rates is an all-inclusive rate comparison click to view form in new window. This method saves time by eliminating multiple quote forms for every insurance company. Filling out one form will return quotes from all major companies.
  2. A more difficult way to find lower rates requires you to visit the website for each individual company to request a price quote. For instance, we’ll assume you want to compare rates from Allstate, State Farm and Geico. You would have to visit each site to enter your coverage information, which is why the first method is more popular.

    For a list of links to companies insuring cars in your area, click here.

  3. The least recommended way of comparing rate quotes is driving to insurance agents’ offices. Buying insurance online eliminates the need for an insurance agent unless you require the professional advice only provided by licensed agents. However, consumers can get prices online but still have the advice of a local agent and we’ll cover that in a bit.

It’s your choice how you get your quotes, but make absolute certain that you use exactly the same coverages for every quote you compare. If you compare different deductibles it will be next to impossible to decipher which rate is best.

You may need specialized coverage

When choosing adequate coverage, there is no cookie cutter policy. Every insured’s situation is different and your policy should reflect that. Here are some questions about coverages that might point out if you may require specific advice.

  • Does my insurance cover a custom paint job?
  • How high should my medical payments coverage be?
  • What is the minimum liability in my state?
  • Do I need roadside assistance coverage?
  • Does my liability insurance cover pulling a trailer or camper?
  • Is a blown tire covered by insurance?
  • Is business equipment covered while in my vehicle?

If it’s difficult to answer those questions but one or more may apply to you, you might consider talking to a licensed insurance agent. If you want to speak to an agent in your area, fill out this quick form or you can go here for a list of companies in your area. It only takes a few minutes and you can get the answers you need.

Information about specific coverages

Learning about specific coverages of auto insurance aids in choosing the right coverages and the correct deductibles and limits. Auto insurance terms can be confusing and nobody wants to actually read their policy. These are the usual coverages offered by auto insurance companies.

Collision insurance

This pays for damage to your RAV4 resulting from colliding with another car or object. You will need to pay your deductible then the remaining damage will be paid by your insurance company.

Collision coverage protects against claims such as scraping a guard rail, sustaining damage from a pot hole, colliding with another moving vehicle, crashing into a building and hitting a parking meter. Collision coverage makes up a good portion of your premium, so analyze the benefit of dropping coverage from vehicles that are 8 years or older. Drivers also have the option to bump up the deductible in order to get cheaper collision rates.

Uninsured/Underinsured Motorist coverage

Uninsured or Underinsured Motorist coverage gives you protection from other drivers when they are uninsured or don’t have enough coverage. It can pay for injuries sustained by your vehicle’s occupants and damage to your Toyota RAV4.

Due to the fact that many drivers only purchase the least amount of liability that is required, it doesn’t take a major accident to exceed their coverage limits. For this reason, having high UM/UIM coverages is important protection for you and your family.

Coverage for liability

This will cover damages or injuries you inflict on other’s property or people. It protects you against claims from other people, and does not provide coverage for damage to your own property or vehicle.

Liability coverage has three limits: bodily injury per person, bodily injury per accident and property damage. Your policy might show liability limits of 50/100/50 which stand for a $50,000 limit per person for injuries, a total of $100,000 of bodily injury coverage per accident, and a total limit of $50,000 for damage to vehicles and property.

Liability coverage pays for things such as attorney fees, legal defense fees and medical services. The amount of liability coverage you purchase is a decision to put some thought into, but you should buy higher limits if possible.

Medical payments coverage and PIP

Coverage for medical payments and/or PIP reimburse you for expenses such as funeral costs, rehabilitation expenses and EMT expenses. They are utilized in addition to your health insurance program or if you are not covered by health insurance. It covers not only the driver but also the vehicle occupants in addition to getting struck while a pedestrian. Personal injury protection coverage is not an option in every state but it provides additional coverages not offered by medical payments coverage

Comprehensive coverage

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

Comprehensive insurance covers claims like theft, a tree branch falling on your vehicle, fire damage, hail damage and damage from flooding. The highest amount your auto insurance company will pay is the cash value of the vehicle, so if the vehicle’s value is low consider removing comprehensive coverage.

Coverage on a shoestring budget

We covered quite a bit of information on how to reduce 2011 Toyota RAV4 insurance prices online. The most important thing to understand is the more rate quotes you have, the better likelihood of reducing your rate. You may be surprised to find that the biggest savings come from the least-expected company. Regional companies may often insure only within specific states and give getter rates compared to the large companies like Allstate or State Farm.

While you’re price shopping online, never skimp on coverage in order to save money. In too many instances, an insured dropped comprehensive coverage or liability limits to discover at claim time that saving that couple of dollars actually costed them tens of thousands. The ultimate goal is to buy a smart amount of coverage at an affordable rate while still protecting your assets.

To learn more, link through to the resources below: