Cheap 2004 Toyota RAV4 Insurance Cost

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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: Apr 13, 2022

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Want the cheapest insurance rates for your Toyota RAV4? Finding better rates for insurance is difficult for people who are new to buying insurance online. Drivers have so many companies to choose from that it can turn into a real challenge to compare prices.

Pay Less for Toyota RAV4 Insurance

Auto insurance companies do not advertise all their discounts very well. But knowing how to reduce your insurance rates is important, especially when you consider the relative value of your 2004 Toyota RAV4.

Whether you’re insuring your favorite used car or a new one, look to discounts to make your insurance rates more affordable. The following is a list of some of the more common as well as the least known car insurance savings.

  • Good Student – This discount can get you a discount of up to 25%. The good student discount can last up until you turn 25.
  • Theft Prevention System – Anti-theft and alarm systems can help prevent theft and qualify for as much as a 10% discount.
  • Federal Government Employee – Active or retired federal employment could cut as much as 10% off for RAV4 coverage with a few car insurance companies.
  • Accident Free – Claim-free drivers can earn big discounts when compared to bad drivers.
  • Service Members Pay Less – Having a family member in the military may qualify for rate reductions.
  • No Charge for an Accident – A handful of insurance companies allow you one accident before raising your premiums if your claims history is clear for a particular time prior to the accident.
  • Paperwork-free – A handful of insurance companies give back up to $50 just for signing your application over the internet.
  • Discount for Switching Early – Some companies give discounts for switching to them before your current expiration date. The savings is around 10%.

Consumers should know that most discount credits are not given to all coverage premiums. The majority will only reduce the cost of specific coverages such as comp or med pay. So despite the fact that it appears you can get free auto insurance, it doesn’t quite work that way.

Insurance companies that may have some of the above discounts may include but are not limited to:

  • Farmers Insurance
  • Esurance
  • State Farm
  • GEICO
  • Allstate

Before buying insurance, ask all companies you are considering which discounts you may be entitled to. However, be aware that some savings might not apply in your state.

Fast and Easy Insurance Quotes

There are several ways of comparing price quotes from insurance companies in your area. The simplest method to find competitive 2004 Toyota RAV4 insurance rates is to get quotes online. This can be done in several different ways.

The most efficient way consumers can analyze rates would be an industry-wide quote request form (click to open form in new window). This method prevents you from having to do separate quotation requests for every insurance company. Completing one form will get you price quotes from many national carriers. This is perfect if you don’t have a lot of time.

A more difficult way to compare rate quotes is to take the time to go to each individual company website to complete a price quote. For examples sake, we’ll pretend you want rates from GEICO, 21st Century and Liberty Mutual. To get each rate you have to go to every website to input your insurance information, which is why most consumers use the first method.

The hardest way to get comparison rates is driving around to different agent offices. Buying insurance online can eliminate the need for a local agent unless you require the trained guidance that only a license agent can provide. However, consumers can find lower rates online and get advice from an agent in your area and you’ll learn how to do that later.

It doesn’t matter which method you choose, just make darn sure you compare identical deductibles and coverage limits on every quote you get. If you are comparing different values for each quote then you won’t be able to make an equal comparison. Quoting even small variations in insurance coverages may cause a big price difference. And when comparing insurance rates, know that more quotes will increase your chances of finding a better price.

Tailor your coverage to you

When it comes to choosing the right insurance coverage, there is no single plan that fits everyone. Each situation is unique.

Here are some questions about coverages that can help discover if your insurance needs might need an agent’s assistance.

  • Do I have coverage when pulling a U-Haul trailer?
  • Do I get a pro-rated refund if I cancel my policy early?
  • Should I have a commercial auto policy?
  • Do I need an umbrella policy?
  • I have a DUI can I still get coverage?
  • How does medical payments coverage work?
  • Does my medical payments coverage pay my health insurance deductible?
  • Is a fancy paint job covered?

If you’re not sure about those questions but you think they might apply to your situation, you may need to chat with a licensed insurance agent. If you want to speak to an agent in your area, take a second and complete this form.

Car insurance coverage information

Learning about specific coverages of a insurance policy can be of help when determining appropriate coverage and the correct deductibles and limits. The terms used in a policy can be confusing and nobody wants to actually read their policy.

Comprehensive insurance

This coverage will pay to fix damage from a wide range of events other than collision. You first have to pay a deductible then your comprehensive coverage will pay.

Comprehensive coverage pays for things such as a broken windshield, hitting a deer, hitting a bird, damage from flooding and damage from getting keyed. The highest amount you can receive from a comprehensive claim is the market value of your vehicle, so if your deductible is as high as the vehicle’s value consider removing comprehensive coverage.

Auto liability

Liability coverage provides protection from damages or injuries you inflict on a person or their property that is your fault. This insurance protects YOU against other people’s claims, and doesn’t cover damage sustained by your vehicle in an accident.

Coverage consists of three different limits, per person bodily injury, per accident bodily injury, and a property damage limit. As an example, you may have policy limits of 100/300/100 that means you have $100,000 in coverage for each person’s injuries, a limit of $300,000 in injury protection per accident, and a limit of $100,000 paid for damaged property.

Liability can pay for things such as medical services, pain and suffering, medical expenses and funeral expenses. How much coverage you buy is up to you, but it’s cheap coverage so purchase as high a limit as you can afford.

Collision protection

Collision coverage pays to fix your vehicle from damage caused by collision with a stationary object or other vehicle. You will need to pay your deductible and the rest of the damage will be paid by collision coverage.

Collision insurance covers claims like rolling your car, colliding with another moving vehicle, hitting a mailbox and colliding with a tree. Paying for collision coverage can be pricey, so analyze the benefit of dropping coverage from vehicles that are 8 years or older. You can also bump up the deductible in order to get cheaper collision rates.

Uninsured/Underinsured Motorist (UM/UIM)

Uninsured or Underinsured Motorist coverage protects you and your vehicle when other motorists are uninsured or don’t have enough coverage. This coverage pays for injuries to you and your family and damage to your 2004 Toyota RAV4.

Since many drivers have only the minimum liability required by law, their limits can quickly be used up. That’s why carrying high Uninsured/Underinsured Motorist coverage is a good idea.

Med pay and Personal Injury Protection (PIP)

Med pay and PIP coverage pay for immediate expenses like doctor visits, surgery, pain medications, rehabilitation expenses and ambulance fees. They can be used to cover expenses not covered by your health insurance policy or if you lack health insurance entirely. They cover both the driver and occupants and will also cover if you are hit as a while walking down the street. Personal Injury Protection is not universally available and may carry a deductible

A fool and his money are soon parted

People who switch companies do it for any number of reasons including extreme rates for teen drivers, lack of trust in their agent, being labeled a high risk driver or an unsatisfactory settlement offer. No matter why you want to switch, finding a great new company is pretty easy and you might even save some money in the process.

In this article, we covered a lot of techniques to get a better price on 2004 Toyota RAV4 insurance. The key thing to remember is the more times you quote, the higher the chance of saving money. You may even find the lowest premiums are with an unexpected company.

As you restructure your insurance plan, you should never reduce needed coverages to save money. There are a lot of situations where drivers have reduced collision coverage to discover at claim time that their decision to reduce coverage ended up costing them more. Your focus should be to buy enough coverage at a price you can afford while not skimping on critical coverages.

Additional information can be read at the links below

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