1998 Toyota RAV4 Insurance Quotes

Are you kicking yourself for buying an overpriced insurance policy? Believe me when I say there are lots of people in the same boat. Many car insurance companies compete for your hard-earned dollar, and it can be difficult to compare rates to get the lowest cost out there.

If you have a current car insurance policy or are shopping for new coverage, you can use this information to find the best rates and possibly find even better coverage. Finding the best rates is not that difficult. Drivers only need to know the most effective way to compare rates online.

How to get auto insurance quotes

There are a lot of ways to compare auto insurance prices but one way is less time-consuming than others. You can spend countless hours talking about coverages with agents in your area, or you can stay home and use online quoting for quick rates.

The majority of car insurance companies are enrolled in a marketplace where insurance shoppers enter their policy data once, and every company provides a quote based on that information. This system prevents you from having to do quote forms to every company.

To access this free quoting program, click here to start a free quote.

The one downside to pricing coverage this way is that consumers can’t choose the providers you want to price. If you would rather choose from a list of companies to compare prices, we have a page of companies who write auto insurance in your area. Click here for list of insurance companies.

Take whichever approach you prefer, but try to use nearly identical quote information on every price quote you get. If you use different limits and deductibles on each one it will be next to impossible to get a fair rate comparison.

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These discounts can cut car insurance rates

Some insurers do not list all their discounts in an easy-to-find place, so we break down a few of the more well known as well as some of the hidden credits available to lower your premiums when you buy insurance coverage online.

• Discount for Life Insurance – Not all car insurance companies offer life insurance, but some may give you a discount if you purchase auto and life insurance together.
• Low Mileage – Low mileage vehicles could be rewarded with better premium rates on cars that stay parked.
• Senior Discount – Older drivers can possibly qualify for a small decrease in premiums on RAV4 coverage.
• Active Service Discounts – Having a deployed family member could be rewarded with lower rates.
• Auto/Home Discount – If you have multiple policies and insure them both with the same insurance company you will save approximately 10% to 15%.

A little disclaimer on discounts, most discount credits are not given to the overall cost of the policy. Some only reduce the price of certain insurance coverages like liability, collision or medical payments. Despite the fact that it seems like having all the discounts means you get insurance for free, it doesn’t quite work that way. Any qualifying discounts should definitely cut the amount you pay for coverage.

A few popular companies and the discounts they provide can be found below.

• Progressive offers discounts including homeowner, continuous coverage, online quote discount, multi-vehicle, online signing, and multi-policy.
• Farmers Insurance has savings for distant student, multi-car, early shopping, switch companies, youthful driver, alternative fuel, and pay in full.
• Farm Bureau may offer discounts for 55 and retired, youthful driver, renewal discount, multi-vehicle, and multi-policy.
• State Farm includes discounts for accident-free, good driver, Steer Clear safe driver discount, defensive driving training, anti-theft, and student away at school.
• Geico discounts include seat belt use, anti-theft, daytime running lights, multi-vehicle, anti-lock brakes, and membership and employees.
• SAFECO offers premium reductions for anti-lock brakes, homeowner, multi-car, bundle discounts, teen safe driver, and safe driver.
• Liberty Mutual offers discounts for teen driver discount, newly retired, good student, safety features, and preferred payment discount.

When quoting, ask all the companies which discounts you qualify for. Discounts might not be offered on policies everywhere. To find insurers who offer cheap car insurance quotes, click this link.

When do I need an agent’s advice?

When it comes to choosing the right insurance coverage for your personal vehicles, there is no “best” method to buy coverage. Every situation is different so your insurance needs to address that. For example, these questions can help discover whether you might need professional guidance.

• Do I have any recourse if my insurance company denies a claim?
• Is my dog or cat covered if injured in an accident?
• How do I file an SR-22 for a DUI in my state?
• Do I need more liability coverage?
• Am I covered if I crash into my own garage door?
• Am I covered when renting a car or should I buy coverage from the car rental agency?
• Do I have coverage when pulling a U-Haul trailer?
• How much can I save by bundling my policies?
• How do I buy GAP insurance?
• Am I covered if I drive in a foreign country?

If it’s difficult to answer those questions but one or more may apply to you then you might want to talk to an agent. If you want to speak to an agent in your area, fill out this quick form or click here for a list of insurance companies in your area. It’s fast, doesn’t cost anything and can provide invaluable advice.

The Toyota RAV4 insurance price equation

Lots of things are part of the calculation when pricing auto insurance. Some factors are common sense such as your driving record, although some other factors are more obscure such as your credit history or your financial responsibility.Part of the car insurance buying process is learning a few of the rating criteria that aid in calculating your car insurance rates. When you understand what impacts premium levels, this enables you to make decisions that will entitle you to better car insurance rates.

• Premiums are affected by your credit rating – Having a bad credit score can be an important factor in your rate calculation. So if your credit is lower than you’d like, you may save money insuring your 1998 Toyota RAV4 by spending a little time repairing your credit. People with high credit ratings tend to file fewer claims and have better driving records as compared to drivers with poor credit scores.
• Cautious drivers pay less – Being a careful driver has a huge affect on how much you pay. Having just one driving citation can increase the cost of insurance by as much as thirty percent. Drivers who don’t get tickets tend to pay less for car insurance than people who have multiple driving citations. Drivers with license-revoking citations like DUI, reckless driving or excessive speeding may need to maintain a SR-22 with their state’s department of motor vehicles in order to prevent their license from being revoked.
• Remove unneeded extra policy coverages – There are many extra add-on coverages that may not really be needed but may not be useful. Insurance for vanishing deductibles, towing coverage, and additional equipment coverage are some examples. They may sound like good ideas when buying your policy, but if you’ve never needed them in the past eliminate the coverages to reduce your premium.
• Amount of liability protection – A critical coverage on your policy, liability insurance is the protection if you are determined to be liable for damages caused by your negligence. This coverage provides legal defense coverage to defend your case. Liability insurance is pretty cheap compared to comp and collision, so do not cut corners here.
• Your stress level may be raising your rates – Do you have a high-stress occupation? Careers such as lawyers, architects and miners usually pay the highest rates because of intense work-related stress and lots of time spent at work. Other jobs like actors, students and the unemployed receive lower rates on RAV4 coverage.

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What insurance coverages do you need?

Learning about specific coverages of insurance helps when choosing the right coverages and proper limits and deductibles. Policy terminology can be difficult to understand and nobody wants to actually read their policy. Shown next are the normal coverages available from insurance companies.

Comprehensive coverage (or Other than Collision)

This coverage pays for damage that is not covered by collision coverage. You need to pay your deductible first and then insurance will cover the rest of the damage.

Comprehensive coverage pays for claims like rock chips in glass, hitting a deer, fire damage, vandalism and damage from flooding. The maximum payout your insurance company will pay is the actual cash value, so if the vehicle’s value is low it’s not worth carrying full coverage.

Liability car insurance

This will cover damages or injuries you inflict on people or other property in an accident. This coverage protects you from legal claims by others. Liability doesn’t cover your own vehicle damage or injuries.

Split limit liability has three limits of coverage: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You might see liability limits of 100/300/100 that means you have $100,000 bodily injury coverage, a total of $300,000 of bodily injury coverage per accident, and $100,000 of coverage for damaged propery. Another option is a combined single limit or CSL that pays claims from the same limit and claims can be made without the split limit restrictions.

Liability insurance covers claims such as repair bills for other people’s vehicles, loss of income, attorney fees and emergency aid. How much coverage you buy is a personal decision, but you should buy higher limits if possible.

Auto collision coverage

Collision coverage will pay to fix damage to your RAV4 resulting from a collision with another vehicle or an object, but not an animal. A deductible applies and the rest of the damage will be paid by collision coverage.

Collision insurance covers claims such as sideswiping another vehicle, rolling your car, hitting a mailbox, colliding with a tree and driving through your garage door. This coverage can be expensive, so you might think about dropping it from older vehicles. Another option is to choose a higher deductible to save money on collision insurance.

Insurance for medical payments

Personal Injury Protection (PIP) and medical payments coverage provide coverage for short-term medical expenses for doctor visits, rehabilitation expenses and ambulance fees. They are used in conjunction with a health insurance program or if there is no health insurance coverage. It covers both the driver and occupants and also covers any family member struck as a pedestrian. Personal injury protection coverage is only offered in select states and gives slightly broader coverage than med pay

Uninsured Motorist or Underinsured Motorist insurance

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

Due to the fact that many drivers carry very low liability coverage limits, it only takes a small accident to exceed their coverage. For this reason, having high UM/UIM coverages is important protection for you and your family. Frequently these limits are identical to your policy’s liability coverage.

Smart consumers save more

We just showed you a lot of tips how to shop for 1998 Toyota RAV4 insurance online. The most important thing to understand is the more companies you get car insurance rates for, the better your chances of lowering your car insurance rates. Consumers may even find the lowest rates are with the least-expected company. These companies often have lower car insurance rates on specific markets as compared to the big name companies such as Progressive or Geico.

Discount 1998 Toyota RAV4 insurance can be purchased on the web as well as from independent agents, so you need to quote insurance coverage with both to have the best selection. Some insurance providers may not offer rate quotes online and most of the time these smaller providers only sell through independent agents.

Other articles

• What Does No-Fault Insurance Cover? (Allstate)
• Property Damage Coverage (Liberty Mutual)
• Determining Your Vehicle’s Value and Repair Cost (Insurance Information Insitute)
• Shopping for a Safe Car (Insurance Information Insitute)

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