View 2012 Toyota RAV4 EV Car Insurance Rates

Finding low-cost insurance for a Toyota RAV4 EV can turn out to be a lot of work, but you can learn these tips to find lower rates.

There are more efficient ways to buy insurance coverage and we’ll show you the absolute fastest way to compare rates for a Toyota and obtain the cheapest rates from both online companies and local agents.

Locating the cheapest protection is not that difficult. If you have insurance now or need new coverage, you can use these tips to find the best rates and still get good coverage. Vehicle owners only need to know the most effective way to get comparison quotes on the web.

Compare Auto Insurance Today

All major auto insurance companies like Progressive, Allstate and GEICO allow you to get coverage price quotes online. Getting online quotes is pretty painless as you just type in your coverage preferences into a form. Once you submit the form, their rating system automatically orders reports for credit and driving violations and quotes a price based on many factors.

Online quotes makes it a lot easier to compare rates but the work required to visit each company’s website and repetitively enter the same data into a form gets old quite quickly. But it is imperative to perform this step if you want to find the lowest possible prices on auto insurance.

The easy way to compare rates

A more efficient way to locate the lowest prices is to use a quote form that gets prices from a lot of companies. It saves time, eliminates repetitive work, and makes quoting online much easier to do. After your information is entered, it is quoted and you can select any of the quotes that you receive.

If the quotes result in lower rates, you can simply submit the application and purchase coverage. This process only takes a few minutes and you will find out if you’re overpaying now.

To save time and find out if lower rates are available, simply click here to open in new window and submit the form. If you have your current policy handy, we recommend you replicate deductibles and limits identical to your current policy. This ensures you will receive a fair comparison based on the exact same insurance coverage.

Discounts are available to cut your rates

Insuring your fleet can be pricey, but there could be available discounts to reduce the price significantly. Larger premium reductions will be automatically applied when you get a quote, but some must be asked for in order for you to get them. If you’re not getting every credit possible, you are paying more than you should be.

  • Seat Belts Save more than Lives – Requiring all passengers to use their safety belts could save 15% off the personal injury premium cost.
  • Safe Driver Discount – Drivers who avoid accidents may save up to 50% more for RAV4 EV insurance than less cautious drivers.
  • Discount for Life Insurance – Larger companies have better rates if you take out auto and life insurance together.
  • 55 and Retired – Older drivers may qualify for reduced rates for RAV4 EV insurance.
  • Military Discounts – Being deployed with a military unit could mean lower rates.
  • Multiple Policy Discount – When you combine your home and auto insurance with the same company you may save at least 10% off all policies.
  • Early Switch Discount – Some companies give discounts for switching policies prior to your current policy expiring. It’s a savings of about 10%.
  • Homeowners Pay Less – Owning a home can save you money because owning a home demonstrates responsibility.

It’s important to note that some credits don’t apply to the entire cost. Most cut specific coverage prices like comp or med pay. So when it seems like you can get free auto insurance, companies wouldn’t make money that way. Any qualifying discounts will bring down your overall premium however.

To see a list of providers who offer car insurance discounts, follow this link.

Pieces of the Toyota RAV4 EV insurance rate puzzle

Smart consumers have a good feel for the factors that come into play when calculating car insurance rates. Knowing what impacts premium levels empowers consumers to make smart changes that could result in big savings.

  • Don’t get talked into coverage you don’t need – There are quite a few additional coverages you can purchase on your car insurance policy. Coverages for rental car reimbursement, better glass coverage and membership fees may be costing you every month. These coverages may sound good initially, but your needs may have changed so eliminate them to save money.
  • A clean driving record saves money – Whether or not you get tickets has a huge affect on how much you pay. Good drivers tend to pay less for car insurance than bad drivers. Even a single ticket can increase rates forty percent or more. Drivers with serious tickets like DWI, reckless driving or hit and run convictions are required to submit a SR-22 or proof of financial responsibility to the state department of motor vehicles in order to continue driving.
  • Higher deductibles cost less – The deductibles define the amount you are willing to pay out-of-pocket if you file a covered claim. Insurance for physical damage to your car, otherwise known as comp (or other than collision) and collision, is used to repair damage to your car. Examples of covered claims could be running into the backend of another car, damage from fire, and burglary. The more expense you’re willing to pay, the less your car insurance will be for RAV4 EV insurance.
  • Your car’s features help determine rates – Owning a car with a theft deterrent system can help bring down rates. Anti-theft features such as LoJack tracking devices, vehicle tamper alarm systems or GM’s OnStar system can help prevent car theft.

Everyone needs different coverages

When it comes to choosing coverage, there is no perfect coverage plan. Coverage needs to be tailored to your specific needs.

For instance, these questions may help you determine if your situation may require specific advice.

  • Does my car insurance cover rental cars?
  • Are my friends covered when driving my 2012 Toyota RAV4 EV?
  • Can my babysitter drive my car?
  • Am I covered if my car is in a flood?
  • Is pleasure use cheaper than using my 2012 Toyota RAV4 EV to commute?
  • Does medical payments coverage apply to all occupants?
  • Should I have combined single limit or split liability limits?
  • When do I need to add a new car to my policy?
  • Does having multiple vehicles earn me a discount?

If you’re not sure about those questions, then you may want to think about talking to an agent. If you don’t have a local agent, simply complete this short form. It is quick, free and may give you better protection.

Parts of your insurance policy

Learning about specific coverages of your insurance policy helps when choosing the best coverages and the correct deductibles and limits. Insurance terms can be ambiguous and nobody wants to actually read their policy.

UM/UIM Coverage

Your UM/UIM coverage provides protection from other motorists when they are uninsured or don’t have enough coverage. Covered losses include medical payments for you and your occupants and damage to your Toyota RAV4 EV.

Since many drivers carry very low liability coverage limits, it doesn’t take a major accident to exceed their coverage limits. So UM/UIM coverage is a good idea. Most of the time these limits are similar to your liability insurance amounts.

Collision coverage protection

Collision insurance pays to fix your vehicle from damage resulting from colliding with a stationary object or other vehicle. You will need to pay your deductible then your collision coverage will kick in.

Collision coverage pays for things like sustaining damage from a pot hole, backing into a parked car and crashing into a ditch. Collision is rather expensive coverage, so you might think about dropping it from older vehicles. Another option is to bump up the deductible to get cheaper collision coverage.

Comprehensive or Other Than Collision

Comprehensive insurance pays for damage caused by mother nature, theft, vandalism and other events. You first have to pay a deductible then your comprehensive coverage will pay.

Comprehensive coverage protects against things like fire damage, a broken windshield, rock chips in glass, theft and vandalism. The most you can receive from a comprehensive claim is the ACV or actual cash value, so if it’s not worth much more than your deductible consider removing comprehensive coverage.

Medical costs insurance

Medical payments and Personal Injury Protection insurance pay for immediate expenses for prosthetic devices, chiropractic care, doctor visits and EMT expenses. They are used to fill the gap from your health insurance policy or if you do not have health coverage. Coverage applies to both the driver and occupants in addition to any family member struck as a pedestrian. Personal Injury Protection is not universally available but it provides additional coverages not offered by medical payments coverage


Liability coverage provides protection from injuries or damage you cause to other’s property or people. This insurance protects YOU against claims from other people. 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. You might see policy limits of 100/300/100 that means you have $100,000 bodily injury coverage, a limit of $300,000 in injury protection per accident, and a limit of $100,000 paid for damaged property. Another option is a combined single limit or CSL which combines the three limits into one amount with no separate limits for injury or property damage.

Liability coverage pays for claims such as structural damage, repair bills for other people’s vehicles and medical services. How much coverage you buy is a decision to put some thought into, but buy as much as you can afford.

A penny saved is a penny earned

Consumers who switch companies do it for a variety of reasons including not issuing a premium refund, an unsatisfactory settlement offer, denial of a claim or even high rates after DUI convictions. It doesn’t matter why you want to switch finding a new insurance coverage company is not as difficult as it may seem.

Cost effective 2012 Toyota RAV4 EV insurance can be found on the web as well as from independent agents, and you need to price shop both to have the best rate selection. Some insurance companies don’t offer online price quotes and many times these smaller companies only sell through independent insurance agents.

When buying insurance coverage, it’s not a good idea to buy poor coverage just to save money. In many instances, an insured dropped comprehensive coverage or liability limits and learned later that the small savings ended up costing them much more. The ultimate goal is to find the BEST coverage at a price you can afford, not the least amount of coverage.

Additional insurance coverage information can be read on the following sites: