View 2007 Toyota RAV4 Insurance Rates

Confused by the sheer number of insurance options? You’re not the only one! Drivers have so many options that it can turn into a real hassle to find the best price.

You should make it a habit to check insurance prices occasionally since rates are adjusted regularly by insurance companies. Just because you had the lowest rates on RAV4 coverage six months ago you can probably find a lower rate today. Ignore everything you know about insurance because you’re about to learn how to use online quotes to lower your rates without sacrificing coverage.

Finding affordable coverage is not that difficult. Just about every driver who shops for insurance stands a good chance to be able to save money. Nevertheless, vehicle owners must understand the way insurance companies price insurance differently and use this information to your advantage.

These factors can influence what you pay for Toyota RAV4 insurance

Smart consumers have a good feel for some of the elements that come into play when calculating auto insurance rates. Understanding what impacts premium levels helps enable you to make changes that can help you get better auto insurance rates.

  • Do you have enough liability coverage? – Liability insurance is the coverage that protects you in the event that you are found liable for damages caused by your negligence. It provides you with a defense in court which can cost thousands of dollars. Liability is cheap compared to physical damage coverage, so drivers should carry high limits.
  • Too many auto insurance claims drive up costs – If you frequently file small claims, you can expect higher rates. Companies generally give lower rates to drivers who file claims infrequently. Insurance coverage is meant to be used in the event of the bigger claims that can’t be paid out-of-pocket.
  • Your occupation can affect rates – Did you know your auto insurance rates can be affected by your occupation? Jobs such as lawyers, architects and stock brokers have the highest rates because of high stress levels and long work days. On the other hand, professions such as scientists, students and performers get better rates on RAV4 coverage.
  • Men are more aggressive – The statistics show women are more cautious behind the wheel. However, this does not mean women are better drivers. Women and men tend to get into accidents at about the same rate, but the male of the species have costlier accidents. Men also tend to have more aggressive citations like reckless driving and DUI. Youthful male drivers tend to get in the most accidents and therefore have the most expensive auto insurance rates.
  • Always keep insurance in force – Allowing your coverage to lapse is a guaranteed way to bump up your auto insurance costs. And not only will insurance be more expensive, failure to provide proof of insurance might get you a hefty fine and possibly a revoked license.You may need to file a SR-22 with your state motor vehicle department to get your license reinstated.

How to Get Cheap Car Insurance

Most companies allow you to get coverage price quotes online. Obtaining pricing is quite simple as you simply type in the amount of coverage you want as detailed in the form. Once you submit the form, the system makes automated requests for information on your driving record and credit history and generates a price based on these factors.

Online price quotes makes comparing rates easy, but the time required to go to each company’s website and repetitively complete many quote forms gets old quite quickly. But it is imperative to perform this step in order to find the lowest possible prices on car insurance.

Quote rates the easy way

An easier way to locate the lowest prices utilizes a single form to return rates from many companies. The form is fast, eliminates form submissions, and makes online price comparison much more enjoyable. After sending your information, it gets priced and you can choose any one of the returned quotes. If one or more price quotes are lower than your current rates, it’s easy to complete the application and buy the new coverage. This process can be completed in a matter of minutes and may save quite a bit of money.

In order to compare rates now, click here to open in a new tab and enter your information. If you currently have coverage, we recommend you duplicate your coverages identical to your current policy. This guarantees you will have comparison quotes for similar coverage.

These discounts can lower your rates

Companies offering auto insurance do not advertise all available discounts in an easy-to-find place, so we researched some of the best known and also the lesser-known ways to save on insurance.

  • Club Memberships – Belonging to a professional or civic organization is a good way to get lower rates when shopping for insurance on RAV4 coverage.
  • Discount for Life Insurance – Larger companies have a break if you buy life insurance from them.
  • Passive Restraints – Vehicles with factory air bags and/or automatic seat belt systems may earn rate discounts of up to 25% or more.
  • Accident Waiver – A handful of insurance companies will allow you to have one accident before your rates go up if your claims history is clear prior to the accident.
  • Safe Driver Discount – Drivers who avoid accidents can get discounts for up to 45% lower rates on RAV4 coverage than drivers with accident claims.
  • Student Driver Training – Require your teen driver to take driver’s ed class if it’s offered in school.
  • Distant Student – Any of your kids who attend school more than 100 miles from home and do not have a car can be insured at a reduced rate.

Consumers should know that most discount credits are not given to your bottom line cost. The majority will only reduce the cost of specific coverages such as liability and collision coverage. So even though it sounds like you can get free auto insurance, you’re out of luck.

For a list of providers offering insurance discounts, click here.

Different people need different coverages

When buying proper insurance coverage, there really is no single plan that fits everyone. Everyone’s needs are different.

Here are some questions about coverages that could help you determine if you might need an agent’s assistance.

  • Am I better off with higher deductibles on my 2007 Toyota RAV4?
  • Can I rate high risk drivers on liability-only vehicles?
  • Does my personal policy cover me when driving out-of-state?
  • How much liability insurance is required?
  • Does liability extend to a camper or trailer?
  • I have good health insurance, so how much medical payments coverage do I need?
  • Do I pay less if my vehicle is kept in my garage?
  • Does my insurance cover a custom paint job?
  • Do I have coverage when pulling a U-Haul trailer?

If you’re not sure about those questions then you might want to talk to a licensed agent. If you don’t have a local agent, complete this form.

The coverage is in the details

Learning about specific coverages of your policy aids in choosing appropriate coverage and the correct deductibles and limits. The terms used in a policy can be ambiguous and coverage can change by endorsement.

Auto collision coverage

This covers damage to your RAV4 resulting from a collision with an object or car. You will need to pay your deductible and then insurance will cover the remainder.

Collision can pay for things like crashing into a ditch, hitting a parking meter, crashing into a building, colliding with another moving vehicle and scraping a guard rail. Collision is rather expensive coverage, so consider dropping it from vehicles that are older. It’s also possible to bump up the deductible to bring the cost down.

Medical payments coverage and PIP

Personal Injury Protection (PIP) and medical payments coverage kick in for bills for funeral costs, EMT expenses and doctor visits. They are used to fill the gap from your health insurance plan or if you do not have health coverage. Coverage applies to all vehicle occupants in addition to being hit by a car walking across the street. PIP coverage is only offered in select states but it provides additional coverages not offered by medical payments coverage

Comprehensive coverage

Comprehensive insurance covers damage from a wide range of events other than collision. You need to pay your deductible first then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage pays for claims such as a broken windshield, theft, hitting a bird, rock chips in glass and hitting a deer. The maximum payout a car insurance company will pay at claim time is the cash value of the vehicle, so if the vehicle is not worth much it’s probably time to drop comprehensive insurance.

Coverage for liability

This coverage will cover damage or injury you incur to other’s property or people that is your fault. This insurance protects YOU from legal claims by others. It does not cover your own vehicle damage or injuries.

Coverage consists of three different limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. As an example, you may have values of 25/50/25 which means $25,000 bodily injury coverage, a total of $50,000 of bodily injury coverage per accident, and $25,000 of coverage for damaged propery.

Liability coverage pays for claims like pain and suffering, legal defense fees and medical services. How much coverage you buy is a personal decision, but it’s cheap coverage so purchase as much as you can afford.

Uninsured/Underinsured Motorist coverage

This coverage protects you and your vehicle from other drivers when they are uninsured or don’t have enough coverage. This coverage pays for hospital bills for your injuries and damage to your Toyota RAV4.

Due to the fact that many drivers have only the minimum liability required by law, it doesn’t take a major accident to exceed their coverage limits. This is the reason having UM/UIM coverage is very important.

Save for a rainy day

Cost effective 2007 Toyota RAV4 insurance is attainable online as well as from independent agents, and you should be comparing both so you have a total pricing picture. Some insurance companies don’t offer online price quotes and most of the time these small insurance companies sell through independent agents.

When shopping online for insurance, do not buy lower coverage limits just to save a few bucks. There have been many cases where drivers have reduced liability coverage limits only to find out that a couple dollars of savings turned into a financial nightmare. Your strategy should be to purchase plenty of coverage at the best price while still protecting your assets.

In this article, we presented a lot of tips how to reduce insurance prices online. It’s most important to understand that the more providers you compare, the better chance you’ll have of finding lower rates. Consumers could even find that the lowest premiums are with a small mutual company.

More articles