2005 Toyota RAV4 Car 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 17, 2022

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Finding better insurance prices for a new or used Toyota RAV4 could be a lot of work, but you can learn these tips to find lower rates. There are more efficient ways to compare insurance rates and we’ll show you the absolute fastest way to get price quotes for a Toyota and locate the lowest price from both online companies and local agents.

Insurance Coverage Comparison Rates

Getting better 2005 Toyota RAV4 insurance coverage pricing is not rocket science. The only requirement is to invest a few minutes comparing rate quotes from different insurance companies. It is quite easy and can be accomplished in a couple of different ways.

  • The most efficient way to get quotes for comparison is a comparison rater form click here to open form in new window. This easy form eliminates the need for separate quotes for each company. In just a few minutes this one form will return quotes instantly. Just one form and you’re done.
  • A harder way to get comparison quotes is to take the time to go to each company’s website to complete a price quote. For instance, let’s assume you want to compare Nationwide, Liberty Mutual and GMAC. To get each rate you have to go to every website to enter your coverage information, which is why the first method is more popular.

Which method you use is up to you, but ensure you’re using exactly the same coverage information on every quote. If your comparisons have different liability limits it will be very difficult to make a fair comparison for your Toyota RAV4.

You’ve committed to keeping your used car running. The relative value of your Toyota RAV4 means you’ll want to find the best rates on insurance for your vehicle.

Tailor Your Coverage to You

When choosing the best insurance coverage, there isn’t really a perfect coverage plan. Your needs are not the same as everyone else’s.

For instance, these questions can help discover if you would benefit from professional advice.

  • What is roadside assistance coverage?
  • Should I sign the liability waiver when renting a car?
  • How can I force my company to pay a claim?
  • Am I covered if I crash into my own garage door?
  • When can I cancel my policy?
  • Does my policy cover my teen driver if they drive my company car?
  • If I drive on a suspended license am I covered?

If you’re not sure about those questions but you know they apply to you then you might want to talk to an agent. If you want to speak to an agent in your area, fill out this quick form. It is quick, free and may give you better protection.

Insurance Coverage Specifics

Knowing the specifics of your insurance policy helps when choosing the right coverages and the correct deductibles and limits. Policy terminology can be difficult to understand and coverage can change by endorsement.

Uninsured or underinsured coverage

Your UM/UIM coverage protects you and your vehicle from other drivers when they either are underinsured or have no liability coverage at all. Covered claims include medical payments for you and your occupants as well as your vehicle’s damage.

Since a lot of drivers have only the minimum liability required by law, their liability coverage can quickly be exhausted. So UM/UIM coverage is a good idea.

Comprehensive protection

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

Comprehensive coverage pays for things like damage from getting keyed, damage from a tornado or hurricane, hitting a deer and a broken windshield. The highest amount you can receive from a comprehensive claim is the market value of your vehicle, so if it’s not worth much more than your deductible it’s probably time to drop comprehensive insurance.

Medical expense coverage

Personal Injury Protection (PIP) and medical payments coverage provide coverage for bills for things like funeral costs, pain medications, prosthetic devices and hospital visits. They are often used to fill the gap from your health insurance program or if you do not have health coverage. Medical payments and PIP cover all vehicle occupants and also covers being hit by a car walking across the street. PIP is only offered in select states and gives slightly broader coverage than med pay

Coverage for collisions

Collision insurance pays for damage to your RAV4 caused by collision with another car or object. You first must pay a deductible then the remaining damage will be paid by your insurance company.

Collision coverage protects against claims such as rolling your car, scraping a guard rail and crashing into a ditch. Collision coverage makes up a good portion of your premium, so consider dropping it from older vehicles. Drivers also have the option to choose a higher deductible to bring the cost down.

Liability

Liability coverage provides protection from injuries or damage you cause to people or other property. It protects YOU from claims by other people. It does not cover damage sustained by your vehicle in an accident.

Liability coverage has three limits: per person bodily injury, per accident bodily injury, and a property damage limit. You might see policy limits of 100/300/100 that translate to $100,000 bodily injury coverage, a limit of $300,000 in injury protection per accident, and a limit of $100,000 paid for damaged property.

Liability coverage protects against claims such as emergency aid, repair costs for stationary objects and medical expenses. How much liability coverage do you need? That is up to you, but buy as much as you can afford.

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