How Much Does 1996 Toyota RAV4 Car Insurance Cost?

Trying to find better car insurance rates for your Toyota RAV4? Having to pay for overpriced Toyota RAV4 insurance can empty your savings account and make it impossible to make ends meet. Comparing price quotes is a great way to reduce premiums and put more money in your pocket.

There is such a variety of car insurance companies to purchase coverage from, and although it’s a good thing to be able to choose, it can be more challenging to find the lowest cost provider.

Choosing the best insurance company for you is not that difficult. If you are paying for car insurance now, you will most likely be able to save some money using these methods. But drivers must learn the methods companies use to sell online and apply this information to your search.

Discounts are available to cut your rates

Auto insurance companies don’t always publicize every discount in a way that’s easy to find, so we break down some of the more common and also the lesser-known discounts you could be receiving.

  • Payment Method – If you pay your bill all at once rather than paying monthly you may reduce your total bill.
  • Student Driver Training – Cut your cost by having your teen driver successfully complete driver’s ed class if it’s offered in school.
  • Paperwork-free – Some insurance companies will give a small break for buying your policy online.
  • Defensive Driving Course – Successfully completing a course in driver safety could cut 5% off your bill if you qualify.
  • Multiple Cars – Buying insurance for all your vehicles on one policy qualifies for this discount.
  • Drive Safe and Save – Safe drivers may save up to 50% more for RAV4 coverage than drivers with accident claims.
  • College Student – Children living away from home attending college without a vehicle on campus can be insured at a reduced rate.
  • Multiple Policy Discount – If you insure your home and vehicles with one insurance company you will save 10% to 20% off each policy.
  • Homeowners Savings – Owning a home may trigger a insurance policy discount because maintaining a house demonstrates responsibility.

Keep in mind that most discounts do not apply the the whole policy. Most only reduce individual premiums such as medical payments or collision. So even though they make it sound like having all the discounts means you get insurance for free, companies don’t profit that way.

Companies that possibly offer some of the above discounts include:

Double check with every prospective company which discounts they offer. Discounts may not apply everywhere.

Insurance Prices

Most major insurance companies such as Geico, State Farm and Progressive quote coverage price quotes on their websites. The process is quite simple as you just type in the coverages you want into the quote form. Upon sending the form, their system sends out for your driving record and credit report and returns a price. Online quotes streamlines rate comparisons, but the time required to go to several different sites and type in the same information is repetitive and time-consuming. But it’s very important to get many rate quotes if you want to find the lowest insurance rates.

A quicker way to find lower prices uses one form to return rates from many companies. The form is fast, reduces the work, and makes online quotes much easier to do. After sending the form, it gets priced and you can choose your choice of the pricing results. If a lower price is quoted, you can click and sign and buy the new coverage. It takes 15 minutes at the most and can result in significant savings.

To quickly get comparison pricing now, click here to open in a new tab and submit your coverage information. To compare your current rates, we recommend you type in the limits and deductibles exactly as they are listed on your policy. This makes sure you will have a rate comparison based on similar coverages.

Elements that influence Toyota RAV4 insurance rates

It’s important that you understand some of the elements that go into determining insurance coverage rates. Knowing what influences your rates empowers consumers to make smart changes that may reward you with better insurance coverage rates.

Listed below are some of the factors used by your company to calculate rates.

  • Choose a safe vehicle and save – Vehicles with good safety scores are cheaper to insure. These vehicles protect occupants better and lower injury rates translates into savings for insurance companies and thus lower rates. If your Toyota RAV4 has ratings of a minimum an “acceptable” rating on the Insurance Institute for Highway Safety website or four stars on the National Highway Traffic Safety Administration website you are probably receiving a discount.
  • Don’t get talked into coverage you don’t need – There are a lot of additional coverages that can waste your money on your insurance coverage policy. Things like personal injury protection, accident forgiveness and term life insurance are some examples. They may seem good when you first buy your policy, but if they’re wasting money remove them from your policy.
  • Your location is important – Choosing to live in a rural area has it’s advantages when it comes to insurance coverage. Fewer people translates into fewer accidents and a lower car theft rate. Drivers in populated areas have to deal with congested traffic and longer commutes to work. More time on the road means more change of being in an accident.
  • One company can mean more discounts – Most insurance coverage companies will award you with lower prices to customers who carry more than one policy such as combining an auto and homeowners policy. Discounts can add up to ten or even up to twenty percent in some cases. Even with this discount, you still need to shop around to ensure the best deal. You may still be able to find better rates by splitting coverages up.

Everyone needs different coverages

When it comes to buying adequate coverage for your vehicles, there really is no best way to insure your cars. Everyone’s needs are different so your insurance should reflect that These are some specific questions might help in determining if your situation might need an agent’s assistance.

  • What should my uninsured motorist coverage limits be in my state?
  • How much can I save by bundling my policies?
  • What are the financial responsibility laws in my state?
  • Does coverage extend to a rental car in a foreign country?
  • Is my dog or cat covered if injured in an accident?
  • Are split liability limits better than a combined single limit?

If it’s difficult to answer those questions, then you may want to think about talking to a licensed agent. To find an agent in your area, take a second and complete this form or you can also visit this page to select a carrier

Specific coverages for a 1996 Toyota RAV4

Having a good grasp of your policy helps when choosing appropriate coverage and proper limits and deductibles. Car insurance terms can be ambiguous and even agents have difficulty translating policy wording. Below you’ll find typical coverage types available from car insurance companies.

Liability coverage – Liability insurance will cover damage that occurs to other people or property. It protects YOU from claims by other people, and doesn’t cover your own vehicle damage or injuries.

Liability coverage has three limits: bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. Your policy might show limits of 100/300/100 that translate to $100,000 in coverage for each person’s injuries, a total of $300,000 of bodily injury coverage per accident, and property damage coverage for $100,000.

Liability can pay for things like repair costs for stationary objects, funeral expenses, legal defense fees and medical services. How much liability coverage do you need? That is a personal decision, but you should buy as high a limit as you can afford.

Protection from uninsured/underinsured drivers – Your UM/UIM coverage protects you and your vehicle’s occupants when the “other guys” either have no liability insurance or not enough. This coverage pays for injuries sustained by your vehicle’s occupants and also any damage incurred to your Toyota RAV4.

Since many drivers only carry the minimum required liability 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.

Comprehensive (Other than Collision) – Comprehensive insurance coverage will pay to fix damage that is not covered by collision coverage. A deductible will apply and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive can pay for things such as hitting a deer, fire damage and hail damage. The maximum amount you’ll receive from a claim is the actual cash value, so if your deductible is as high as the vehicle’s value it’s not worth carrying full coverage.

Collision coverages – Collision coverage will pay to fix damage to your RAV4 resulting from colliding with another vehicle or an object, but not an animal. You will need to pay your deductible and then insurance will cover the remainder.

Collision coverage pays for claims like sustaining damage from a pot hole, driving through your garage door, colliding with another moving vehicle and sideswiping another vehicle. Paying for collision coverage can be pricey, so you might think about dropping it from lower value vehicles. Another option is to bump up the deductible to get cheaper collision coverage.

Medical expense insurance – Medical payments and Personal Injury Protection insurance reimburse you for expenses for things like X-ray expenses, EMT expenses, hospital visits, nursing services and chiropractic care. They are often utilized in addition to your health insurance program or if you are not covered by health insurance. Medical payments and PIP cover you and your occupants and will also cover any family member struck as a pedestrian. Personal injury protection coverage is not an option in every state and gives slightly broader coverage than med pay

At the end of the day…

Cost effective 1996 Toyota RAV4 insurance can be bought online as well as from independent agents, and you need to comparison shop both in order to have the best price selection to choose from. A few companies don’t offer the ability to get a quote online and usually these small, regional companies provide coverage only through local independent agents.

When shopping online for insurance coverage, it’s very important that you do not buy less coverage just to save a little money. In many instances, consumers will sacrifice physical damage coverage only to find out that their decision to reduce coverage ended up costing them more. Your strategy should be to buy a smart amount of coverage at an affordable rate.

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