2016 Toyota RAV4 Car Insurance Cost – 6 Savings Tips

Looking for better car insurance rates for your Toyota RAV4? Finding better insurance prices for a Toyota RAV4 could be difficult, but you can use the following methods to find lower rates.

There is a better way to compare car insurance rates and we’ll show you the proper way to get price quotes on a Toyota and obtain the best price possible from local insurance agents and online providers.

Pricing affordable auto insurance coverage is not that difficult. If you have insurance now or need a new policy, you can use these techniques to cut your premiums and still get good coverage. Vehicle owners only need an understanding of the best way to buy auto insurance online.

Pay less for Toyota RAV4 insurance

Insuring your vehicles can cost a lot, but there could be available discounts that you may not know about. Some discounts apply automatically at the time you complete a quote, but a few need to be requested specifically before they will apply. If they aren’t giving you every credit you deserve, you are throwing money away.

  • Passive Restraints – Vehicles with factory air bags and/or automatic seat belt systems can receive discounts of more than 20%.
  • Sign Early and Save – Some insurance companies reward drivers for buying a policy before your current expiration date. It can save you around 10%.
  • Defensive Driver – Successfully completing a course teaching defensive driving skills can save you 5% or more if your company offers it.
  • Multiple Cars – Buying coverage for all your vehicles with the same company could earn a price break for each car.
  • Life Insurance – Larger companies have better rates if you take out a life insurance policy as well.
  • Resident Student – Children living away from home attending college and do not have access to a covered vehicle may be able to be covered for less.

It’s important to understand that some of the credits will not apply to the entire cost. Some only apply to the cost of specific coverages such as liability, collision or medical payments. So when it seems like it’s possible to get free car insurance, companies don’t profit that way. Any qualifying discounts will cut the cost of coverage.

For a list of insurers offering insurance coverage discounts, follow this link.

The method we recommend to compare policy rates is to realize most of the larger companies provide online access to compare rate quotes. To begin a comparison, all you need to do is provide the companies a bit of rating information like if it has an anti-theft system, whether you are married, which vehicles you own, and your credit rating estimate. Your rating data is submitted instantly to multiple top-rated companies and they respond with quotes instantly.

Tailor your coverage to you

When choosing coverage, there really is not a perfect coverage plan. Every situation is different.

For instance, these questions might help in determining whether your personal situation may require specific advice.

  • Is my state a no-fault state?
  • Is my teenager covered with friends in the car?
  • When would I need additional glass coverage?
  • Am I covered if my car is in a flood?
  • Do I need to file an SR-22 for a DUI in my state?
  • How high should my medical payments coverage be?
  • What is the ISO rating for a 2016 Toyota RAV4?

If you can’t answer these questions but you know they apply to you then you might want to talk to an agent. If you don’t have a local agent, fill out this quick form. It’s fast, free and can provide invaluable advice.

Car insurance coverage basics

Understanding the coverages of car insurance helps when choosing appropriate coverage and proper limits and deductibles. The coverage terms in a policy can be impossible to understand and reading a policy is terribly boring.

Comprehensive protection

This pays to fix your vehicle from damage caused by mother nature, theft, vandalism and other events. A deductible will apply and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive insurance covers things like damage from getting keyed, fire damage, a broken windshield and rock chips in glass. The highest amount you can receive from a comprehensive claim is the market value of your vehicle, so if it’s not worth much more than your deductible it’s not worth carrying full coverage.

Uninsured or underinsured coverage

This coverage protects you and your vehicle when other motorists are uninsured or don’t have enough coverage. It can pay for injuries to you and your family and damage to your Toyota RAV4.

Since many drivers have only the minimum liability required by law, their limits can quickly be used up. That’s why carrying high Uninsured/Underinsured Motorist coverage is important protection for you and your family. Normally your uninsured/underinsured motorist coverages are similar to your liability insurance amounts.

Collision protection

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

Collision insurance covers things such as hitting a mailbox, sideswiping another vehicle and scraping a guard rail. This coverage can be expensive, so consider removing coverage from lower value vehicles. You can also choose a higher deductible to save money on collision insurance.


This coverage provides protection from damages or injuries you inflict on a person or their property in an accident. It consists of three limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You might see values of 25/50/25 that translate to $25,000 in coverage for each person’s injuries, a limit of $50,000 in injury protection per accident, and $25,000 of coverage for damaged propery. Another option is a combined single limit or CSL which limits claims to one amount without having the split limit caps.

Liability insurance covers things such as repair costs for stationary objects, structural damage and attorney fees. How much coverage you buy is a personal decision, but buy as high a limit as you can afford.

Medical expense coverage

Personal Injury Protection (PIP) and medical payments coverage provide coverage for immediate expenses like surgery, hospital visits, prosthetic devices, funeral costs and doctor visits. The coverages can be utilized in addition to your health insurance plan or if you do not have health coverage. They cover all vehicle occupants and will also cover being hit by a car walking across the street. PIP is not universally available but can be used in place of medical payments coverage

And the best car insurance company is…

Low-cost 2016 Toyota RAV4 insurance is attainable both online and with local insurance agents, and you need to price shop both to get a complete price analysis. Some auto insurance companies do not offer online quoting and many times these small insurance companies only sell through independent insurance agents.

As you shop your coverage around, don’t be tempted to buy poor coverage just to save money. There are too many instances where an accident victim reduced physical damage coverage only to regret that they should have had better coverage. Your strategy should be to purchase plenty of coverage at the best price while still protecting your assets.

We’ve covered a lot of information how to get a better price on insurance. It’s most important to understand that the more quotes you get, the more likely it is that you will get a better rate. You may be surprised to find that the lowest rates come from a small mutual company.

Additional information is located at these links: