2010 Toyota RAV4 Car Insurance Quotes – 9 Tips to Save

Looking for lower insurance rates for your Toyota RAV4? Are you overwhelmed by the sheer number of insurance choices? You’re not the only one! There are so many companies to choose from that it can easily become a real hassle to locate the lowest price.

The quickest method to compare rates is to understand car insurance companies participate in online systems to quote your coverage. To get started, all you need to do is provide a small amount of information such as your general credit rating, the ages of drivers, how many miles driven, and level of coverage desired. That information is instantly submitted to many different companies and you should receive rate quotes instantly to find the best rate.

To compare rates now, click here and enter your coverage details.

Save big with these nine discounts

Car insurance can cost a lot, but companies offer discounts that you may not even be aware of. A few discounts will automatically apply when you complete an application, but a few need to be asked for before you will receive the discount.

  • Good Students Pay Less – A discount for being a good student can earn a discount of 20% or more. Earning this discount can benefit you up to age 25.
  • Passive Restraint Discount – Vehicles with factory air bags or automatic seat belts can get savings of up to 25% or more.
  • Club Memberships – Affiliation with certain professional organizations may earn a discount on insurance for RAV4 coverage.
  • Seat Belts Save – Buckling up and requiring all passengers to use their safety belts can save 10% or more on the medical payments or PIP coverage costs.
  • Discounts for Safe Drivers – Drivers who don’t get into accidents can get discounts for up to 45% lower rates for RAV4 coverage than their less cautious counterparts.
  • Multiple Vehicles – Buying insurance for multiple vehicles on one policy can get a discount on all vehicles.
  • Lower Rates for Military – Having a family member in the military may qualify for rate reductions.
  • Student in College – Children living away from home attending college and do not have a car can receive lower rates.
  • Auto/Life Discount – Companies who offer life insurance give lower rates if you buy a life insurance policy as well.

Drivers should understand that most discounts do not apply to the entire cost. A few only apply to specific coverage prices like collision or personal injury protection. So even though it sounds like you could get a free insurance policy, companies don’t profit that way. But all discounts will help reduce the amount you have to pay.

To see a list of insurers with discount insurance rates, follow this link.

But I don’t know anything about car insurance

When it comes to buying the right insurance coverage, there is no best way to insure your cars. Coverage needs to be tailored to your specific needs.

For instance, these questions might help in determining if your insurance needs could use an agent’s help.

  • Does insurance cover tools stolen from my truck?
  • Why do I only qualify for high-risk insurance?
  • Do I need PIP coverage since I have good health insurance?
  • How many claims can I have before being cancelled?
  • Is pleasure use cheaper than using my 2010 Toyota RAV4 to commute?
  • Is a fancy paint job covered?

If you’re not sure about those questions but you know they apply to you then you might want to talk to a licensed agent. If you want to speak to an agent in your area, take a second and complete this form.

Auto insurance policy specifics

Knowing the specifics of a auto insurance policy can be of help when determining which coverages you need at the best deductibles and correct limits. The coverage terms in a policy can be impossible to understand and nobody wants to actually read their policy.

Coverage for collisions

This coverage pays to fix your vehicle from damage resulting from a collision with a stationary object or other vehicle. A deductible applies then the remaining damage will be paid by your insurance company.

Collision can pay for things like sideswiping another vehicle, colliding with another moving vehicle, crashing into a building, rolling your car and hitting a mailbox. Collision is rather expensive coverage, so consider dropping it from lower value vehicles. It’s also possible to increase the deductible to bring the cost down.

Insurance for medical payments

Coverage for medical payments and/or PIP reimburse you for expenses such as dental work, chiropractic care, doctor visits and ambulance fees. The coverages can be used in conjunction with a health insurance policy or if you do not have health coverage. It covers not only the driver but also the vehicle occupants and also covers getting struck while a pedestrian. Personal injury protection coverage is not an option in every state but can be used in place of medical payments coverage

Uninsured Motorist or Underinsured Motorist insurance

This coverage protects you and your vehicle when other motorists either have no liability insurance or not enough. Covered losses include medical payments for you and your occupants and also any damage incurred to your 2010 Toyota RAV4.

Since a lot of drivers have only the minimum liability required by law, it only takes a small accident to exceed their coverage. So UM/UIM coverage is a good idea. Normally your uninsured/underinsured motorist coverages do not exceed the liability coverage limits.

Comprehensive coverage (or Other than Collision)

This coverage covers damage caused by mother nature, theft, vandalism and other events. You first have to pay a deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage protects against claims like hitting a deer, hail damage and fire damage. The maximum payout you can receive from a comprehensive claim is the ACV or actual cash value, so if the vehicle’s value is low it’s probably time to drop comprehensive insurance.

Liability

Liability coverage provides protection from damages or injuries you inflict on other people or property that is your fault. This insurance protects YOU against claims from other people. Liability doesn’t cover your injuries or vehicle damage.

Coverage consists of three different limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. As an example, you may have policy limits of 50/100/50 that means you have a limit of $50,000 per injured person, a limit of $100,000 in injury protection per accident, and a limit of $50,000 paid for damaged property. Another option is a combined single limit or CSL which limits claims to one amount with no separate limits for injury or property damage.

Liability coverage protects against things such as medical expenses, medical services and funeral expenses. How much coverage you buy is your choice, but it’s cheap coverage so purchase as large an amount as possible.

Do the work, save more money

In this article, we presented quite a bit of information on how to get a better price on 2010 Toyota RAV4 insurance. The key thing to remember is the more providers you compare, the better likelihood of reducing your rate. Drivers may discover the lowest priced insurance comes from a company that doesn’t do a lot of advertising.

While you’re price shopping online, do not buy poor coverage just to save money. There have been many situations where an insured dropped liability limits or collision coverage and found out when filing a claim that saving that couple of dollars actually costed them tens of thousands. The proper strategy is to buy the best coverage you can find at an affordable rate, not the least amount of coverage.

Budget-conscious insurance can be purchased online and also from your neighborhood agents, and you need to price shop both to have the best chance of lowering rates. A few companies may not provide the ability to get a quote online and usually these small, regional companies provide coverage only through local independent agents.

More tips and info about insurance can be found in these articles: