Cheaper 2009 Toyota RAV4 Insurance Rates

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Jeffrey Johnson graduated summa cum laude from the University of Baltimore School of Law and has worked in legal offices and nonprofits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman University and worked in film, education, and publishing. His professional writing has appeared on sites like The Manifest and Vice, and he is the author of a novel ...

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Written by Jeffrey Johnson
Insurance Lawyer Jeffrey Johnson

UPDATED: Aug 23, 2022

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Looking for cheaper insurance coverage rates for your Toyota RAV4? No one in their right mind cherishes buying insurance coverage, in particular when they are paying too much. Companies like State Farm, GEICO and Farmers Insurance constantly bombard you with ads and it is challenging if not impossible to see past the corporate glitz and find the best price available.

If you have insurance now or are looking for a new policy, you can use these tips to find better prices while maximizing coverage. Choosing the best insurance company for you is quite easy. Vehicle owners just need to understand the most effective way to compare company rates online.

How much can you save with discounts?

Companies offering auto insurance don’t necessarily list all available discounts very clearly, so we took the time to find some of the more common and also the lesser-known savings tricks you should be using. If you’re not getting every credit you deserve, you are throwing money away.

  • Sign Early and Save – Some insurance companies reward drivers for buying a policy before your current policy expires. It can save you around 10%.
  • Student Driver Training – Have your child enroll in driver’s education if offered at their school.
  • Paperwork-free – Some insurance companies will give a small break simply for signing digitally online.
  • Distant Student – Kids in college living away from home attending college and don’t have a car can be insured at a reduced rate.
  • Payment Discounts – If you pay your bill all at once instead of making monthly payments you can actually save on your bill.
  • Passive Restraint Discount – Vehicles with factory air bags can receive discounts of up to 25% or more.
  • Safe Driver Discount – Drivers who avoid accidents may save up to 50% more on RAV4 insurance than less cautious drivers.
  • Theft Prevention Discount – Cars that have factory anti-theft systems are stolen less frequently and earn discounts up to 10%.
  • Defensive Driver – Completing a course in driver safety could save 5% or more depending on where you live.

A little note about advertised discounts, many deductions do not apply the whole policy. A few only apply to the cost of specific coverages such as comprehensive or collision. So when the math indicates it’s possible to get free car insurance, car insurance companies aren’t that generous.

Car insurance companies who might offer these discounts include:

  • Farmers Insurance
  • GEICO
  • American Family
  • Nationwide
  • Progressive

Double check with each insurance company what discounts are available to you. All car insurance discounts may not apply in your area.

Factors determining your Toyota RAV4 insurance premium

An important part of buying insurance is that you know the different types of things that go into determining auto insurance rates. Having a good understanding of what influences your rates allows you to make educated decisions that could result in better auto insurance rates.

  • Men are more aggressive – Statistics show women are more cautious behind the wheel. That doesn’t necessarily mean that men are WORSE drivers than women. They both have accidents in similar numbers, but the male of the species cause more damage. Men also tend to receive more costly citations like DUI and reckless driving. Teenage male drivers tend to get in the most accidents and therefore have the most expensive auto insurance rates.
  • Older drivers pay less – Teen drivers are known to be careless and easily distracted when driving so they pay higher auto insurance rates. If you’ve ever had to add a young driver onto a policy can be quite pricey. More mature drivers are more cautious drivers, file fewer claims and receive fewer citations.
  • Theft deterrents lower rates – Driving a car with a theft deterrent system can help bring down rates. Theft prevention features like tamper alarm systems, vehicle immobilizer technology and General Motors OnStar all hinder auto theft.
  • No coverage gaps is important – Letting your insurance expire will be a fast way to increase your auto insurance rates. Not only will rates go up, getting caught without coverage will get you a hefty fine and possibly a revoked license.Then you may be required to submit proof of financial responsibility or a SR-22 with your state department of motor vehicles.
  • High numbers of claims are not good – If you tend to file frequent claims, you can pretty much guarantee either higher rates or even cancellation. Car insurance companies provide lower rates to drivers who do not rely on their insurance for small claims. Car insurance is meant to be used in the event of the large, substantial claims.

How much car insurance do I need?

When choosing the best insurance coverage, there isn’t really a cookie cutter policy. Every situation is different and your policy should reflect that. For instance, these questions may help highlight whether or not you might need professional guidance.

  • Can I rent a car in Mexico?
  • How much liability do I need to cover my assets?
  • How much liability coverage do I need in my state?
  • Should I buy more coverage than the required minimum liability coverage?
  • How high should deductibles be on a 2009 Toyota RAV4?
  • Do I have coverage if my license is suspended?

If you can’t answer these questions, you might consider talking to an agent. If you don’t have a local agent, complete this formInsurance coverages explained

Having a good grasp of insurance can be of help when determining the best coverages for your vehicles. Policy terminology can be difficult to understand and coverage can change by endorsement. Below you’ll find typical coverage types found on most insurance policies.

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

Collision can pay for claims such as sideswiping another vehicle, colliding with another moving vehicle, hitting a mailbox and driving through your garage door. Collision coverage makes up a good portion of your premium, so analyze the benefit of dropping coverage from vehicles that are older. It’s also possible to bump up the deductible in order to get cheaper collision rates.

UM/UIM Coverage – This coverage protects you and your vehicle from other motorists when they either have no liability insurance or not enough. This coverage pays for medical payments for you and your occupants and also any damage incurred to your Toyota RAV4.

Because many people have only the minimum liability required by law, it only takes a small accident to exceed their coverage. So UM/UIM coverage is very important.

Coverage for liability – This coverage protects you from damage or injury you incur to other people or property. It protects you from claims by other people. It does not cover your injuries or vehicle damage.

Liability coverage has three limits: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You might see values of 25/50/25 that translate to $25,000 bodily injury coverage, $50,000 for the entire accident, and $25,000 of coverage for damaged property.

Liability coverage pays for claims like bail bonds, legal defense fees, medical services, emergency aid and repair bills for other people’s vehicles. The amount of liability coverage you purchase is your choice, but buy as much as you can afford.

Medical costs insurance – Medical payments and Personal Injury Protection insurance reimburse you for expenses like EMT expenses, hospital visits, dental work, X-ray expenses and prosthetic devices. The coverages can be used to cover expenses not covered by your health insurance plan or if there is no health insurance coverage. They cover you and your occupants as well as any family member struck as a pedestrian. Personal injury protection coverage is not an option in every state but can be used in place of medical payments coverage

Comprehensive or Other Than Collision – This coverage will pay to fix 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 pays for things such as hitting a bird, vandalism, hail damage, damage from flooding and rock chips in glass. The maximum amount you’ll receive from a claim is the ACV or actual cash value, so if your deductible is as high as the vehicle’s value it’s probably time to drop comprehensive insurance.

Be a Smart Shopper

Cheaper 2009 Toyota RAV4 insurance is attainable on the web in addition to many insurance agents, and you need to comparison shop both to get a complete price analysis. Some auto insurance companies do not provide you the ability to get quotes online and these regional insurance providers work with independent agents.

You just learned some good ideas how to compare insurance prices online. The key concept to understand is the more times you quote, the more likely it is that you will get a better rate. You may even discover the lowest premiums are with some of the smallest insurance companies. These smaller insurers may cover specific market segments cheaper than the large multi-state companies such as Allstate, GEICO and Progressive.

More learning opportunities

  • Understanding Car Crashes Video (iihs.org)
  • Auto Crash Statistics (Insurance Information Insitute)
  • What is a Telematics Device? (Allstate)
  • Prepare your Teens for Safe Driving (InsureUonline.org)

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