Compare 2021 Toyota RAV4 Car Insurance Quotes in 2024

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Jeffrey Johnson

Insurance Lawyer

Jeffrey Johnson is a legal writer with a focus on personal injury. He has worked on personal injury and sovereign immunity litigation in addition to experience in family, estate, and criminal law. He earned a J.D. from the University of Baltimore and has worked in legal offices and non-profits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman Univer...

Insurance Lawyer

UPDATED: May 1, 2024

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Want lower insurance rates? Drivers have lots of choices when trying to find the lowest priced Toyota RAV4 insurance. You can either spend your time struggling with agents to get rate comparisons or save time using the internet to compare rates.

There are both good and bad ways to find insurance online and you need to know the best way to compare rates on a Toyota and locate the lowest possible price either online or from local insurance agents.

How insurance companies determine Toyota RAV4 insurance rates

Many things are used in the calculation when premium rates are determined. Some of the criteria are obvious like an MVR report, but other factors are not as apparent like your vehicle usage or how financially stable you are. Part of the car insurance buying process is learning some of the factors that help determine your policy premiums. If you know what determines base rates, this empowers consumers to make smart changes that may reward you with better car insurance rates.

The items below are some of the items companies use to determine your prices.

  • Don’t abuse claims – If you are the type of insured that files lots of claims you shouldn’t be surprised to get much higher rates or policy non-renewal. Insurance companies provide discounts to people who are claim-free. Your insurance policy is designed for larger claims.
  • Lower stress equals lower prices – Occupational choices like doctors, police officers and stock brokers tend to pay higher premium rates in part from high stress and lots of time spent away from family. On the flip side, occupations like farmers, engineers and the unemployed receive lower rates for RAV4 insurance.
  • Never have car insurance lapses – Having a gap between insurance policy dates is a sure-fire way to increase your car insurance rates. In addition to paying higher premiums, being ticketed for driving with no insurance will get you a steep fine or even jail time.
  • Do you really need roadside assistance? – There are many add-on coverages that can waste your money if you don’t pay attention. Coverages like rental car reimbursement, accidental death, and membership fees are examples of these. The coverages may be enticing at first, but if they’re wasting money consider taking them off your policy.
  • Big city or small town – Residing in less populated areas can save you money when it comes to car insurance. People who live in big cities tend to have more auto accidents and longer commutes to work. Lower population corresponds to lower accident rates in addition to fewer liability claims.
  • Get a ticket, pay higher prices – Being a careful driver has a lot to do with how much you pay for insurance. Just one chargeable violation can bump up the cost by as much as twenty percent. Drivers who don’t get tickets get better prices compared to bad drivers. Drivers who get multiple violations such as reckless driving, hit and run or driving under the influence may find they need to submit a SR-22 or proof of financial responsibility with their state’s licensing department in order to legally drive a vehicle.
  • Don’t skimp on liability coverage – Your car insurance policy’s liability coverage is the coverage that protects you when you are ruled to be at fault for physical damage or personal injury to other. Liability insurance provides legal defense coverage which can be incredibly expensive. Carrying liability coverage is mandatory and cheap compared to physical damage coverage, so drivers should carry high limits.
  • Does insurance coverage cost more for guys? – Statistics have proven that females tend to be a little less risky than males. Now that doesn’t mean women are BETTER drivers than men. They both are responsible for auto accidents in similar percentages, but the males tend to have more serious accidents. Not only that, but men also get ticketed for serious violations such as DWI and reckless driving.

How much is insurance?

Finding more affordable 2021 Toyota RAV4 insurance quotes is pretty simple and can save money. All that’s required is to invest a little time getting comparison quotes to find. It is quite easy and can be accomplished in several different ways.

  1. The most efficient way to find low rates is a comparison rater form. This style of form keeps you from doing separate forms for every insurance company. One form submission gets prices estimates from all major companies. This is by far the quickest method.
  2. A more difficult way to get comparison quotes is spending the time to visit the website of each company and fill out a new quote form. For sake of this example, let’s assume you want to compare prices for State Farm, GEICO and Farmers. To find out each rate you need to navigate to each company’s site and repeatedly enter your information, which can get rather old.
  3. The old school method of comparing rate quotes is to waste gas driving to local insurance agencies. Buying insurance online makes this process obsolete unless your situation requires the advice and guidance of a local agency. Although you can price shop online and get advice from an agent in your area.

Take whichever approach you prefer, but be sure to compare identical coverages and limits for each quote you get. If you enter different deductibles it will be nearly impossible to truly determine the lowest rate.

Is there deception in advertising?

Drivers can’t get away from all the ads that promise big savings by companies like Allstate and Progressive. They all seem to make the same claim that you can save if you get a free insurance quote and switch your policy.

But how can every company lower your prices? It’s all in the wording.

Different companies have underwriting criteria for the type of customer they prefer to insure. A good example of a driver they prefer could be between the ages of 30 and 45, owns a home, and insures a new vehicle. A customer that fits those parameters will get a cheap rate quote as well as save a lot if they switch.

Potential insureds who are not a match for these criteria will probably be forced to pay higher premiums and this results in the prospect going elsewhere. If you pay close attention to the ads, they say “people that switch” not “all people who quote” save that much money. This is how insurance companies can confidently make those statements.

Because each company has a different risk profile, you should do a quote comparison often. You cannot predict which insurance companies will fit you best based on your risk profile.

More affordable rates by taking advantage of discounts

Some insurers don’t necessarily list the entire discount list very clearly, so the following list contains some of the more common and the more hidden credits available to lower your premiums when you buy insurance online.

  • Cautious Driver Discounts – Drivers who avoid accidents can get discounts for up to 45% lower rates for RAV4 insurance as compared to drivers with claims.
  • Telematics Discount – Insureds who allow driving data submission to scrutinize vehicle usage by using a telematic data system like In-Drive from State Farm and Progressive’s Snapshot could see a rate decrease as long as they are good drivers.
  • Payment Discounts – By paying your entire bill at once instead of making monthly payments you can actually save on your bill.
  • Policy Bundle Discount – If you can bundle your auto and homeowners insurance and insure them both with the same insurance company you may earn at least 10 to 15 percent or more.
  • Active Military Service – Being deployed with a military unit could trigger a small discount.
  • Employee of Federal Government – Simply working for the federal government could cut as much as 10% off for RAV4 insurance depending on your company.
  • Low Mileage Discounts – Low annual miles can earn discounted premium rates on garaged vehicles.
  • Accident-Free Discounts – Insureds with no claims or accidents pay less in comparison to bad drivers.

Don’t be surprised that most discount credits are not given to all coverage premiums. Most only cut the price of certain insurance coverages like comp or med pay. Despite the fact that it seems like it’s possible to get free car insurance, companies don’t profit that way. Any amount of discount will help lower your premiums.

A few of the larger companies and some of the premium reductions they offer can be read below.

  • State Farm may have discounts that include student away at school, good driver, Steer Clear safe driver discount, defensive driving training, multiple autos, and passive restraint.
  • Nationwide offers discounts for multi-policy, business or organization, good student, defensive driving, and easy pay.
  • GEICO has discounts for seat belt use, five-year accident-free, membership and employees, military active duty, anti-theft, and defensive driver.
  • AAA discounts include multi-policy, pay-in-full, education and occupation, AAA membership discount, multi-car, and anti-theft.
  • 21st Century has savings for automatic seat belts, defensive driver, driver training, anti-lock brakes, early bird, and air bags.
  • The Hartford policyholders can earn discounts including bundle, defensive driver, good student, anti-theft, vehicle fuel type, and driver training.

Before buying, ask every prospective company what discounts are available to you. Savings might not be offered on policies in every state. For a list of companies with the best discounts, enter your zip code here.

How much insurance do I need?

When it comes to choosing adequate coverage, there isn’t really a cookie cutter policy. Coverage needs to be tailored to your specific needs.

Here are some questions about coverages that may help highlight whether or not you would benefit from an agent’s advice.

  • Do I need Motor Club coverage?
  • Do I need replacement cost coverage on my 2021 Toyota RAV4?
  • Why does it cost so much to insure a teen driver?
  • How does medical payments coverage work?
  • Is pleasure use cheaper than using my 2021 Toyota RAV4 to commute?
  • Are rental cars covered under my policy?

If it’s difficult to answer those questions, you may need to chat with an insurance agent. To find lower rates from a local agent, simply complete your zip code. It’s fast, doesn’t cost anything and can provide invaluable advice.

Car insurance coverages for a Toyota RAV4

Understanding the coverages of a insurance policy can help you determine which coverages you need and the correct deductibles and limits. Insurance terms can be ambiguous and even agents have difficulty translating policy wording.

Liability coverage – This coverage protects you from damages or injuries you inflict on other’s property or people in an accident. It protects YOU from claims by other people, and does not provide coverage for damage sustained by your vehicle in an accident.

It consists of three limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You might see liability limits of 100/300/100 which means a $100,000 limit per person for injuries, a per accident bodily injury limit of $300,000, and a limit of $100,000 paid for damaged property. Another option is a combined single limit or CSL which provides one coverage limit without having the split limit caps.

Liability can pay for things like medical services, funeral expenses, court costs, repair costs for stationary objects and medical expenses. How much coverage you buy is a personal decision, but consider buying as high a limit as you can afford.

Coverage for medical expenses – Coverage for medical payments and/or PIP kick in for immediate expenses for things like nursing services, X-ray expenses and prosthetic devices. They can be utilized in addition to your health insurance policy or if you do not have health coverage. Coverage applies to not only the driver but also the vehicle occupants and also covers being hit by a car walking across the street. PIP is not universally available but can be used in place of medical payments coverage

Coverage for uninsured or underinsured drivers – This coverage gives you protection from other motorists when they do not carry enough liability coverage. This coverage pays for medical payments for you and your occupants as well as your vehicle’s damage.

Because many people carry very low liability coverage limits, it only takes a small accident to exceed their coverage. For this reason, having high UM/UIM coverages is very important. Usually these coverages are similar to your liability insurance amounts.

Comprehensive insurance – Comprehensive insurance 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 claims such as damage from a tornado or hurricane, hitting a deer and a tree branch falling on your vehicle. The most a insurance company will pay at claim time is the actual cash value, so if the vehicle is not worth much consider dropping full coverage.

Collision coverages – Collision insurance covers damage to your RAV4 resulting from colliding with another car or object. You have to pay a deductible then the remaining damage will be paid by your insurance company.

Collision coverage pays for things such as damaging your car on a curb, scraping a guard rail, backing into a parked car and hitting a mailbox. Collision is rather expensive coverage, so you might think about dropping it from lower value vehicles. You can also choose a higher deductible to bring the cost down.

Best coverage at the best price

Lower-priced 2021 Toyota RAV4 insurance can be found both online and also from your neighborhood agents, so you need to quote insurance with both so you have a total pricing picture. Some insurance companies may not offer online price quotes and most of the time these regional carriers prefer to sell through independent agents.

When trying to cut insurance costs, do not buy poor coverage just to save money. There are a lot of situations where an insured cut comprehensive coverage or liability limits and found out when filing a claim they didn’t purchase enough coverage. Your aim should be to get the best coverage possible for the lowest price, but do not sacrifice coverage to save money.

Consumers leave their current company for a variety of reasons including not issuing a premium refund, questionable increases in premium, policy cancellation or delays in paying claims. Whatever your reason, switching companies is not as difficult as it may seem.

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