1999 Toyota RAV4 Insurance Quotes – 6 Savings Tips

Shoppers have many options when shopping for the best price on Toyota RAV4 insurance. You can either spend your time contacting agents trying to get quotes or utilize the internet to get rate quotes.

There is a better way to shop for insurance and we’ll show you the quickest way to quote coverages for a Toyota and obtain the lowest possible price from local insurance agents and online providers.

This article will familiarize you with how to get online quotes and some tricks to saving. If you have car insurance now, you should be able to lower your premiums substantially using these techniques. Vehicle owners only need to know the tricks to shop online.

How to Compare Insurance

There are a variety of methods you can shop for 1999 Toyota RAV4 insurance but one way is less time-consuming than others. You can waste hours discussing policy coverages with local insurance agents in your area, or you could use online quoting to accomplish the same thing much quicker.

Many popular insurance companies enroll in a system that allows shoppers to enter their policy data once, and at least one company returns a rated price determined by their information. This system prevents you from having to do quotation requests to every company.

To participate in this free quote system, click to open in new window.

The only downside to using this type of system is buyers cannot specifically choose which providers to receive prices from. So if you want to choose specific providers for rate comparison, we have a page of insurance companies in your area. View list of insurance companies.

Which method you use is up to you, but double check that you are using apples-to-apples coverages for every company. If you use unequal deductibles or liability limits it’s not possible to determine the lowest rate for your Toyota RAV4.

Can switching companies really save?

Drivers can’t get away from ads for car insurance savings by companies like Allstate and Progressive. They all have a common claim that you can save if you change to them.

How does each company say the same thing?

All companies have a preferred profile for the type of driver that earns them a profit. An example of a preferred risk could possibly be a mature driver, insures multiple vehicles, and has excellent credit. Any driver who fits that profile receives the best rates and most likely will save when switching.

Drivers who fall outside this ideal profile will be charged higher prices which usually ends up with the customer not buying. The ad wording is “drivers who switch” not “everybody who quotes” save that kind of money. That’s the way companies can truthfully make the claims of big savings.

That is why you absolutely need to quote coverage with many companies. It’s just too difficult to predict the company that will provide you with the cheapest Toyota RAV4 insurance rates.

Pay less for 1999 Toyota RAV4 insurance

The price of auto insurance can be rather high, buy you may qualify for discounts that you may not know about. Certain discounts will be applied when you get a quote, but some must be manually applied before you get the savings. If they aren’t giving you every credit available, you’re just leaving money on the table.

  • Lower Rates for Military – Having a deployed family member could mean lower rates.
  • Discount for Swiching Early – Select companies give a discount for switching to them prior to your current policy expiration. The savings is around 10%.
  • Anti-lock Brake Discount – Vehicles equipped with ABS or steering control can avoid accidents and will save you 10% or more.
  • Safe Drivers – Insureds without accidents can get discounts for up to 45% lower rates for RAV4 insurance than drivers with accidents.
  • Good Student – Performing well in school can get you a discount of up to 25%. The discount lasts well after school through age 25.
  • Multi-policy Discount – When you have multiple policies with one insurance company you may save 10% to 20% off each policy.

Keep in mind that some of the credits will not apply to the entire policy premium. A few only apply to the cost of specific coverages such as collision or personal injury protection. So even though they make it sound like having all the discounts means you get insurance for free, you won’t be that lucky. But any discount will help reduce the amount you have to pay.

To see a list of insurance companies offering insurance coverage discounts, click here to view.

Tailor your coverage to you

When it comes to buying coverage for your vehicles, there isn’t really a “best” method to buy coverage. Each situation is unique.

These are some specific questions may help highlight if your insurance needs could use an agent’s help.

  • How much underlying liability do I need for an umbrella policy?
  • Is my state a no-fault state?
  • Am I covered when driving in Canada or Mexico?
  • How much liability insurance is required?
  • Can I afford to buy a different vehicle if my 1999 Toyota RAV4 is totaled?
  • What is roadside assistance coverage?
  • What is UM/UIM insurance?
  • Do I have coverage when using my vehicle for my home business?
  • Do I need medical payments coverage since I have good health insurance?
  • At what point should I drop full coverage?

If you can’t answer these questions, you may need to chat with a licensed insurance agent. To find an agent in your area, take a second and complete this form. It’s fast, free and can provide invaluable advice.

Auto insurance coverages explained

Understanding the coverages of a auto insurance policy can help you determine which coverages you need and proper limits and deductibles. The coverage terms in a policy can be impossible to understand and coverage can change by endorsement.

Uninsured Motorist or Underinsured Motorist insurance

Uninsured or Underinsured Motorist coverage provides protection when other motorists either have no liability insurance or not enough. Covered claims include injuries to you and your family and also any damage incurred to your 1999 Toyota RAV4.

Since a lot of drivers carry very low liability coverage limits, their limits can quickly be used up. That’s why carrying high Uninsured/Underinsured Motorist coverage is very important. Usually these limits do not exceed the liability coverage limits.

Liability car insurance

This protects you from injuries or damage you cause to other people or property that is your fault. It protects you against other people’s claims, and 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. Your policy might show liability limits of 100/300/100 that means you have $100,000 in coverage for each person’s injuries, $300,000 for the entire accident, and a total limit of $100,000 for damage to vehicles and property. Alternatively, you may have one limit called combined single limit (CSL) which combines the three limits into one amount and claims can be made without the split limit restrictions.

Liability can pay for claims such as repair bills for other people’s vehicles, repair costs for stationary objects, legal defense fees and medical expenses. The amount of liability coverage you purchase is your choice, but you should buy as high a limit as you can afford.

Insurance for medical payments

Med pay and PIP coverage reimburse you for bills for things like surgery, doctor visits, nursing services, hospital visits and EMT expenses. The coverages can be used in conjunction with a health insurance policy or if there is no health insurance coverage. Medical payments and PIP cover you and your occupants and also covers if you are hit as a while walking down the street. Personal injury protection coverage is only offered in select states but can be used in place of medical payments coverage

Collision protection

This coverage will pay to fix damage to your RAV4 from colliding with another vehicle or an object, but not an animal. You have to pay a deductible then your collision coverage will kick in.

Collision coverage pays for claims such as sideswiping another vehicle, hitting a mailbox, colliding with a tree and crashing into a building. Collision coverage makes up a good portion of your premium, so consider dropping it from lower value vehicles. Another option is to raise the deductible to bring the cost down.

Comprehensive coverage (or Other than Collision)

This pays to fix your vehicle from damage that is not covered by collision coverage. You first must pay your deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage protects against things like hail damage, rock chips in glass, theft, hitting a deer and fire damage. The most you can receive from a comprehensive claim is the actual cash value, so if it’s not worth much more than your deductible it’s probably time to drop comprehensive insurance.

Buy online or local, you save

You just learned a lot of tips how to save on 1999 Toyota RAV4 insurance. The key concept to understand is the more price quotes you have, the better likelihood of reducing your rate. You may even discover the best prices are with a small mutual company.

Insureds who switch companies do it for a variety of reasons including poor customer service, high prices, questionable increases in premium and delays in paying claims. No matter why you want to switch, finding a new company can be easy and end up saving you some money.

As you restructure your insurance plan, don’t be tempted to buy poor coverage just to save money. In many cases, an insured dropped physical damage coverage to discover at claim time they didn’t purchase enough coverage. The proper strategy is to purchase plenty of coverage for the lowest price while not skimping on critical coverages.

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