2002 Toyota RAV4 Insurance Quotes

Are you sick and tired of robbing Peter to pay Paul to pay your car insurance bill each month? You are no different than many other drivers. Since consumers have many companies and agents to choose from, it’s difficult to locate the cheapest car insurance company.

Smart consumers take time to check car insurance prices occasionally because insurance rates are constantly changing. Despite the fact that you may have had the lowest price on RAV4 insurance a couple years back you can probably find a lower rate today. You’ll find quite a bit of inaccurate information about car insurance on the web, but by reading this article, you’re going to learn some good information on how to buy car insurance cheaper.

The quickest method we recommend to compare insurance rates in your area is to know the trick most of the larger companies pay for the opportunity to give free rates quotes. The one thing you need to do is give them rating details like types of safety features, if you require a SR-22, coverage limits, and if you are currently licensed. Your details is automatically sent to many different companies and they respond with quotes instantly to find the best rate.

Different people need different coverages

When it comes to buying coverage for your vehicles, there isn’t really a “perfect” insurance plan. Your needs are not the same as everyone else’s so your insurance should reflect that These are some specific questions can aid in determining whether your personal situation will benefit from professional help.

What is the ISO rating for a 2002 Toyota RAV4?
Do I pay less if my vehicle is kept in my garage?
Will my insurance pay for OEM parts?
Do all my vehicles need collision coverage?
Am I covered if I wreck a rental car?
How can I find cheaper teen driver insurance?
Does my insurance cover my expensive audio equipment?

If it’s difficult to answer those questions but you think they might apply to your situation then you might want to talk 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 It’s fast, free and can provide invaluable advice.

Car insurance policy specifics

Knowing the specifics of your policy can be of help when determining the best coverages at the best deductibles and correct limits. The coverage terms in a policy can be impossible to understand and reading a policy is terribly boring. Shown next are typical coverages offered by car insurance companies.

Auto collision coverage

Collision insurance covers damage to your RAV4 from colliding with an object or car. You first must pay a deductible and the rest of the damage will be paid by collision coverage.

Collision insurance covers claims such as backing into a parked car, sustaining damage from a pot hole, scraping a guard rail and colliding with a tree. Collision coverage makes up a good portion of your premium, so consider dropping it from vehicles that are older. You can also choose a higher deductible to bring the cost down.

Liability car insurance

Liability coverage will cover damages or injuries you inflict on people or other property. This insurance protects YOU against other people’s claims. It does not 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. You commonly see policy limits of 25/50/25 that translate to $25,000 bodily injury coverage, a total of $50,000 of bodily injury coverage per accident, and a limit of $25,000 paid for damaged property. Another option is one number which is a combined single limit which limits claims to one amount and claims can be made without the split limit restrictions.

Liability can pay for things such as pain and suffering, repair bills for other people’s vehicles, attorney fees and structural damage. How much coverage you buy is a personal decision, but consider buying as much as you can afford.

Comprehensive auto coverage

Comprehensive insurance covers damage that is not covered by collision coverage. A deductible will apply and then insurance will cover the rest of the damage.

Comprehensive can pay for things like hail damage, damage from a tornado or hurricane, a tree branch falling on your vehicle and damage from flooding. 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 consider dropping full coverage.

UM/UIM (Uninsured/Underinsured Motorist) coverage

This protects you and your vehicle when the “other guys” are uninsured or don’t have enough coverage. Covered losses include injuries sustained by your vehicle’s occupants and damage to your Toyota RAV4.

Because many people have only the minimum liability required by law, their liability coverage can quickly be exhausted. For this reason, having high UM/UIM coverages is very important. Frequently your uninsured/underinsured motorist coverages are similar to your liability insurance amounts.

Medical payments and PIP coverage

Medical payments and Personal Injury Protection insurance kick in for bills for things like surgery, X-ray expenses and doctor visits. The coverages can be used in conjunction with a health insurance program or if you lack health insurance entirely. Medical payments and PIP cover not only the driver but also the vehicle occupants in addition to any family member struck as a pedestrian. PIP coverage is only offered in select states but can be used in place of medical payments coverage