2009 Toyota RAV4 Insurance Quotes

I can’t think of anyone who rejoices having to buy insurance, in particular when their premiums are through the roof.

Big companies like Allstate, Progressive and Geico persitently shower you with TV and radio ads and it can be hard to see through the deception and take the time to shop coverage around.

Smart consumers take time to get comparison quotes as often as possible because insurance rates change frequently. Just because you found the best deal for RAV4 insurance two years ago you can probably find a better price now. There are lots of tips to save on insurance on the internet, but in a few minutes you can learn some proven techniques to quit paying high insurance rates.

If you have car insurance now, you will most likely be able to lower your premiums substantially using these methods. Finding the best rates is quite easy. But vehicle owners need to learn the way insurance companies market on the web.

Get lower-cost insurance costs by understanding these factors

Lots of things are used when you get your auto insurance bill. A few of the factors are predictable such as your driving record, although others are not quite as obvious such as your marital status or your vehicle rating.

• Marriage can lower rates – Having a significant other actually saves money on insurance coverage. Having a significant other demonstrates that you tend to be more mature and responsible and insurance companies reward insureds because married drivers tend to file fewer claims.
• Never let your insurance coverage policy lapse – Having a gap between insurance policy dates will be a guaranteed way to trigger a rate increase. In addition to paying higher rates, getting caught without coverage could result in a fine, jail time, or a revoked license. You may then be required to prove you have insurance by filing a SR-22 with your state DMV.
• When should you file a claims? – If you frequently file small claims, you should expect either a policy non-renewal or much higher rates. Insurance companies give lower rates to drivers who are not frequent claim filers. Your insurance policy is intended for larger claims.
• Lower rates by increasing physical damage deductibles – Comp and collision deductibles are the amount of money you are willing to pay out-of-pocket if you file a covered claim. Physical damage coverage, also called comprehensive and collision insurance, is used to repair damage to your car. Some examples of covered claims could be rearending another vehicle, vandalism, and having a roll-over accident. The more money the insured is willing to pay, the less your insurance coverage will be for RAV4 insurance.
• Demanding employer may mean higher premiums – Did you know that where you work can have an impact on rates? Occupational choices like doctors, executives and accountants generally pay higher premiums than the average policyholder because of high stress levels and lengthy work days. Other careers such as professors, historians and retirees pay the least for RAV4 insurance.
• Costs also based on gender – Over time, data shows females are less aggressive when driving. However, this does not mean women are BETTER drivers than men. They both have at-fault accidents at about the same rate, but guys tend to have higher claims. Not only are claims higher, but men receive more costly citations like reckless driving and DUI. Male drivers age 16 to 19 are most likely to cause an accident so they pay the highest premiums.

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Lower-cost auto insurance rates with discounts

Not many people think insurance is cheap, but you may be missing some discounts that can drop the cost substantially. Certain discounts will be applied when you get a quote, but less common discounts must be requested specifically before they will apply. If you do not check that you are getting every discount you qualify for, you’re just leaving money on the table.

• Payment Discounts – By paying your entire bill at once instead of monthly or quarterly installments you may have a lower total premium amount.
• Early Renewal Discounts – A few auto insurance companies allow discounts for buying a new policy prior to your current policy expiring. You could save around 10% when you buy car insurance online.
• Active Military Service – Being deployed in the military could qualify you for better premium rates.
• Discount for Life Insurance – Not all companies offer life insurance, but some may give you a discount if you purchase some life insurance in addition to your auto policy.
• Claim-Free Discount – Drivers with accident-free driving histories can earn big discounts in comparison to insureds who have frequent claims or accidents.
• Discount for Good Grades – A discount for being a good student may save as much as 25% on a car insurance quote. The discount lasts up to age 25.
• Clubs and Organizations – Having an affiliation with a civic or occupational organization can get you a small discount when shopping for auto insurance.

One thing to note about discounts is that most credits do not apply to the entire cost. Some only apply to the cost of specific coverages such as medical payments or collision. So when it seems like having all the discounts means you get insurance for free, companies wouldn’t make money that way.

A few popular companies and some of their more popular discounts can be read below.

• State Farm offers discounts for Steer Clear safe driver discount, good driver, anti-theft, driver’s education, and multiple autos.
• Geico includes discounts for anti-theft, good student, multi-vehicle, five-year accident-free, and membership and employees.
• Liberty Mutual discounts include new graduate, newly married, new vehicle discount, exclusive group savings, multi-car, newly retired, and safety features.
• The Hartford has discounts for bundle, defensive driver, vehicle fuel type, anti-theft, air bag, driver training, and good student.
• MetLife has savings for accident-free, claim-free, defensive driver, good student, multi-policy, good driver
• Progressive may offer discounts for multi-policy, online signing, good student, homeowner, online quote discount, and continuous coverage.

If you want low cost car insurance quotes, ask each insurance company which discounts they offer. A few discounts may not be offered in your area. To view companies who offer auto insurance discounts, follow this link.

The auto insurance bait and switch

Respected companies like State Farm, Allstate and Geico regularly use ads on TV and radio. They all advertise claims of big savings just by switching your auto insurance coverage to their company. That’s great but how can every company give you a lower rate?

Most companies give the cheapest rates for the type of driver that will most likely be profitable. For instance, a driver they prefer may be over the age of 35, has no driving citations, and drives less than 7,500 miles a year. Anybody that meets those criteria will probably get the lowest prices and will probably save money with a new company.

Potential customers who fall outside the requirements will get higher premiums which results in business not being written. If you pay close attention to the ads, they say “drivers who switch” not “everybody who quotes” save that much when switching. This is how companies can truthfully make claims that they all have the best premium rates.

Because of this risk profiling, drivers should get price quotes at each policy renewal. It is impossible to guess the company that will provide you with the cheapest car insurance rates.

Tailor your auto insurance coverage to you

When choosing the best auto insurance coverage, there is no “perfect” insurance plan. Coverage needs to be tailored to your specific needs so your insurance should reflect that For instance, these questions may help highlight if your situation would benefit from professional advice.

• How can I force my company to pay a claim?
• When should I buy a commercial auto policy?
• What vehicles should carry emergency assistance coverage?
• Is pleasure use cheaper than using my 2009 Toyota RAV4 to commute?
• Why do I only qualify for high-risk insurance?
• Who is covered by my policy?

If you don’t know the answers to these questions but you think they might apply to your situation then you might want to talk to a licensed agent. If you don’t have a local agent, complete this form or you can also visit this page to select a carrier

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Car insurance specifics

Knowing the specifics of your car insurance policy aids in choosing appropriate coverage at the best deductibles and correct limits. Car insurance terms can be difficult to understand and coverage can change by endorsement. Shown next are typical coverage types found on the average car insurance policy.

Comprehensive coverage (or Other than Collision)

Comprehensive insurance will pay to fix damage from a wide range of events other than collision. You first have to pay a deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive can pay for claims such as theft, hail damage and falling objects. The maximum payout you’ll receive from a claim is the ACV or actual cash value, so if it’s not worth much more than your deductible it’s probably time to drop comprehensive insurance.

Insurance for medical payments

Personal Injury Protection (PIP) and medical payments coverage provide coverage for short-term medical expenses for rehabilitation expenses, surgery and funeral costs. They are often utilized in addition to your health insurance program or if you lack health insurance entirely. Medical payments and PIP cover both the driver and occupants as well as any family member struck as a pedestrian. PIP is not an option in every state and gives slightly broader coverage than med pay

Liability insurance

This provides protection from damages or injuries you inflict on other’s property or people that is your fault. This coverage protects you from legal claims by others. It does not cover damage sustained by your vehicle in an accident.

It consists of three limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. As an example, you may have values of 25/50/25 which stand for a $25,000 limit per person for injuries, a per accident bodily injury limit of $50,000, and property damage coverage for $25,000. Some companies may use a combined single limit or CSL that pays claims from the same limit with no separate limits for injury or property damage.

Liability coverage protects against claims like court costs, structural damage and legal defense fees. How much coverage you buy is up to you, but it’s cheap coverage so purchase higher limits if possible.

Collision protection

Collision coverage pays for damage to your RAV4 caused by collision with another car or object. You first must pay a deductible then the remaining damage will be paid by your insurance company.

Collision insurance covers things like hitting a mailbox, driving through your garage door and scraping a guard rail. This coverage can be expensive, so consider dropping it from older vehicles. Another option is to raise the deductible in order to get cheaper collision rates.

Uninsured Motorist or Underinsured Motorist insurance

This gives you protection when other motorists are uninsured or don’t have enough coverage. Covered losses include injuries to you and your family as well as damage to your Toyota RAV4.

Due to the fact that many drivers have only the minimum liability required by law, it only takes a small accident to exceed their coverage. That’s why carrying high Uninsured/Underinsured Motorist coverage is important protection for you and your family. Frequently these coverages are similar to your liability insurance amounts.

Coverage on a shoestring budget

When getting car insurance quotes online, don’t be tempted to skimp on critical coverages to save a buck or two. In many cases, an insured cut liability coverage limits only to discover later that a couple dollars of savings turned into a financial nightmare. Your goal should be to get the best coverage possible for the lowest cost.

Some insurance companies do not offer online price quotes and most of the time these smaller providers work with independent agencies. Budget-friendly insurance coverage can be purchased from both online companies as well as from insurance agents, so you should compare both to have the best selection.

Additional information can be found on the following sites:

• Older Driver Statistics (Insurance Information Insitute)
• Who Has Affordable Car Insurance for a Toyota RAV4 in Kansas City? (KCAutoGuard.com)
• Top Signs Your Brakes are Giving Out (State Farm)
• How to Avoid Staged Accidents (State Farm)
• What are my Rights when Filing a Claim? (Insurance Information Insitute)
• Understanding your Policy (NAIC.org)
• Driving in Bad Weather (Insurance Information Insitute)

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