2014 Toyota RAV4 Insurance Quotes

Trying to find the cheapest car insurance rates for your Toyota RAV4? Sick and tired of not being able to afford to insure your Toyota every month? You are in the same boat as most other car owners.

Drivers have so many car insurance companies to purchase coverage from, and although it’s a good thing to be able to choose, having more insurance companies makes it harder to find a good deal.

Automobile Insurance Quotes

When shopping for insurance coverage there are multiple ways of comparing price quotes from insurance coverage companies in your area. The fastest way to compare 2014 Toyota RAV4 insurance prices consists of shopping online. This can be accomplished in just a few minutes using one of these methods.

  1. The recommended way to compare a lot of rates at once would be an industry-wide quote request form click here to open form in new window. This easy form eliminates the need for multiple quote forms for each company you want a rate for. One quote request gets you coverage quotes from multiple low-cost companies.
  2. A harder way to find lower rates requires visiting the website of each company and request a quote. For example, we’ll assume you want rates from Liberty Mutual, Safeco and Progressive. To get rate quotes you would need to take the time to go to each site and enter your policy data, which is why the first method is quicker.

    To view a list of companies in your area, click here.

  3. The hardest method of getting rate comparisons is driving around to different agent offices. Buying insurance online has reduced the need for local agents unless you require the personal advice of a licensed agent. Drivers can compare the best prices online and get advice from an agent in your area. We’ll cover that shortly.

Which method you use is up to you, but make darn sure you compare identical deductibles and coverage limits for every quote you compare. If you enter mixed coverages then you won’t be able to determine which rate is truly the best. Quoting even small variations in limits can make a big difference in price. It’s important to know that comparing a large number of companies helps you find the best price.

How to reduce Toyota RAV4 insurance rates

Companies do not advertise every available discount in a way that’s easy to find, so we researched both well-publicized and the harder-to-find ways to save on auto insurance.

  • Clubs and Organizations – Being a member of a professional or civic organization could trigger savings when shopping for auto insurance for RAV4 insurance.
  • Paperwork-free – Certain companies will discount your bill up to fifty bucks simply for signing online.
  • Senior Discount – Mature drivers can possibly qualify for reduced rates for RAV4 insurance.
  • Multi-policy Discount – When you have multiple policies with one company you may save up to 20% off your total premium.
  • Driver’s Ed – Make teen driver coverage more affordable by requiring them to complete a driver education course in school.
  • Seat Belts Save more than Lives – Using a seat belt and requiring all passengers to use a seat belt could cut 10% or more off your medical payments premium.
  • Homeowners Savings – Being a homeowner may trigger a auto insurance policy discount because of the fact that having a home demonstrates responsibility.
  • College Student – Children living away from home attending college and don’t have a car may qualify for this discount.

Drivers should understand that most discount credits are not given the the whole policy. A few only apply to the price of certain insurance coverages like liability and collision coverage. So even though they make it sound like you could get a free auto insurance policy, it just doesn’t work that way.

Car insurance companies that possibly offer these discounts include:

Before buying, ask all companies you are considering how you can save money. Savings might not apply in your state.

Toyota RAV4 insurance rates are influenced by…

Smart consumers have a good feel for the different types of things that come into play when calculating car insurance rates. Knowing what influences your rates helps enable you to make changes that can help you get lower car insurance prices.

The list below includes some of the items that factor into your rates.

  • Don’t cancel a policy without a new one in place – Having an insurance coverage lapse will be a quick way to increase your car insurance rates. Not only will you pay more, failure to provide proof of insurance might get you a hefty fine and possibly a revoked license.
  • Discounts for multiple policies – Some insurers provide better rates to policyholders who consolidate policies with them, otherwise known as a multi-policy discount. Even if you’re getting this discount it’s in your best interest to shop around to make sure you are getting the best deal. Drivers may still find a better deal by insuring with multiple companies.
  • Traffic violations increase rates – Even one ticket can bump up the cost by as much as thirty percent. Drivers who don’t get tickets have lower premiums than their less careful counterparts. If you have dangerous violations such as DUI or reckless driving may find they need to submit a SR-22 or proof of financial responsibility with their state DMV in order to prevent a license revocation.
  • Rural vs Urban Areas – Living in a rural area can be a good thing when talking about car insurance. Drivers who live in large cities regularly have much more traffic and longer commute times. Fewer people means fewer accidents as well as less vandalism and auto theft.
  • Safer cars are cheaper to insure – Vehicles with good safety scores tend to have better insurance rates. Safer cars have better occupant injury protection and lower injury rates means lower claim amounts and lower rates for you. If your Toyota RAV4 scored better than four stars on Safercar.gov it is probably cheaper to insure.
  • Lower rates come with age – Youthful drivers have a tendency to be more careless behind the wheel so they pay higher car insurance rates. Adding a young driver to your policy can be very expensive. Older drivers are viewed as being more responsible, statistically cause fewer accidents and tend to be better behind the wheel.
  • Do you need those extra coverages? – There are a lot of extra bells and whistles that can waste your money on your 2014 RAV4 policy. Coverages like roadside assistance, accident forgiveness and membership fees may be costing you every month. These may sound like a good investment when you first buy your policy, but your needs may have changed so get rid of them and save.

Tailor your coverage to you

When buying coverage, there isn’t really a perfect coverage plan. Each situation is unique and your policy should reflect that. Here are some questions about coverages that can aid in determining whether you would benefit from professional advice.

  • What exactly is covered by my policy?
  • How high should my medical payments coverage be?
  • Should I get collision insurance on every vehicle?
  • How much liability insurance is required?
  • Should I buy additional glass protection?
  • Can I drive in Mexico and have coverage?
  • Does car insurance cover theft of personal property?
  • What happens if I owe more than my 2014 Toyota RAV4 is worth?
  • Do I need roadside assistance coverage?
  • Which companies will insure high-risk drivers?

If you can’t answer these questions, then you may want to think about talking to an insurance agent. To find lower rates from a local agent, complete this form or go to this page to view a list of companies.

Auto insurance coverage considerations

Knowing the specifics of a auto insurance policy helps when choosing the best coverages and the correct deductibles and limits. The coverage terms in a policy can be ambiguous and even agents have difficulty translating policy wording. Listed below are typical coverages found on the average auto insurance policy.

Liability car insurance

This coverage protects you from damages or injuries you inflict on other’s property or people that is your fault. It protects YOU against other people’s claims. Liability doesn’t cover your own vehicle damage or injuries.

Coverage consists of three different limits, 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 limit of $50,000 per injured person, $100,000 for the entire accident, and $50,000 of coverage for damaged propery.

Liability insurance covers things such as medical services, structural damage, pain and suffering, attorney fees and legal defense fees. How much liability coverage do you need? That is a personal decision, but consider buying as large an amount as possible.

Collision coverage

Collision coverage pays for damage to your RAV4 resulting from colliding with another car or object. You first must pay a deductible then your collision coverage will kick in.

Collision coverage pays for claims like crashing into a ditch, sustaining damage from a pot hole and sideswiping another vehicle. Paying for collision coverage can be pricey, so consider dropping it from older vehicles. Another option is to choose a higher deductible to bring the cost down.

Medical expense insurance

Med pay and PIP coverage reimburse you for short-term medical expenses for things like funeral costs, dental work, pain medications, ambulance fees and nursing services. They can be utilized in addition to your health insurance plan or if you lack health insurance entirely. Medical payments and PIP cover all vehicle occupants and also covers if you are hit as a while walking down the street. Personal injury protection coverage is not available in all states and may carry a deductible

Protection from uninsured/underinsured drivers

Uninsured or Underinsured Motorist coverage provides protection when other motorists do not carry enough liability coverage. It can pay for injuries sustained by your vehicle’s occupants as well as damage to your Toyota RAV4.

Due to the fact that many drivers carry very low liability coverage limits, their limits can quickly be used up. For this reason, having high UM/UIM coverages is a good idea.

Comprehensive (Other than Collision)

This coverage pays to fix your vehicle from damage that is not covered by collision coverage. You first have to pay a deductible then your comprehensive coverage will pay.

Comprehensive can pay for claims like rock chips in glass, a broken windshield, damage from getting keyed, fire damage and a tree branch falling on your vehicle. The most a auto insurance company will pay at claim time is the market value of your vehicle, so if the vehicle’s value is low consider removing comprehensive coverage.

Quote more, save more

As you go through the steps to switch your coverage, make sure you don’t buy poor coverage just to save money. There have been many cases where consumers will sacrifice physical damage coverage only to regret at claim time that the savings was not a smart move. Your focus should be to buy the best coverage you can find for the lowest price.

Cheap 2014 Toyota RAV4 insurance can be bought from both online companies in addition to many insurance agents, and you need to comparison shop both to get a complete price analysis. There are still a few companies who do not provide online quoting and many times these small insurance companies only sell through independent insurance agents.

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